Payment device, program

Abstract

To enable more convenient implementation of cashless payments. [Solution] A settlement device capable of settling medical expenses comprises a settlement means for settling according to a settlement method selected by the operator, and a restriction means for restricting the settlement of medical expenses to which insurance applies by the settlement means.

Description

Technical Field

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[0007] , , , , [Figure 3] , , [Figure 2] , [[ID=​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​This is an explanatory diagram illustrating the registration of medical fees and products in the registration and settlement device. [Figure 4] This is an example of a display on a registration and settlement device. [Figure 5] This is an example of a display on a registration and settlement device. [Figure 6] This is an example of a display on a registration and settlement device. [Figure 7] This is a flowchart illustrating an example of the operation of a registration and settlement device. [Figure 8] This is a flowchart illustrating an example of the operation of a registration and settlement device. [Figure 9] This is a flowchart illustrating an example of the operation of a registration and settlement device. [Modes for carrying out the invention]

[0008] Figure 1 shows an example of the network configuration of the processing system. Figure 1(A) shows processing system 1 (processing system 2) including the registration and settlement device 20. Figure 1(B) shows processing system 3 (processing system 4) including the registration and settlement device 20.

[0009] (Processing System 1, Processing System 2) The following describes processing systems 1 and 2 shown in Figure 1(A). Processing systems 3 and 4 shown in Figure 1(B) will be described later.

[0010] As shown in Figure 1(A), the processing system 1 comprises an accounting counter device 10, a registration and settlement device 20, and a settlement server 90. The accounting counter device 10 and the registration and settlement device 20 can communicate with each other, for example, via an internal network (e.g., a LAN (which may be wired or wireless)). The registration and settlement device 20 and the settlement server 90 can communicate with each other via an external network (e.g., the Internet).

[0011] Processing System 2 is a system consisting of an accounting counter device 10 and a registration and settlement device 20 (a configuration that excludes the settlement server 90 from Processing System 1). Processing System 2 (and Processing System 3 in Figure 1(B) are similar) are installed in medical institutions such as hospitals and clinics.

[0012] Medical institutions issue an invoice / receipt 800 (see Figure 3(C)) to their customers (patients). The invoice / receipt 800 literally serves as both an invoice for medical expenses and a receipt for medical expenses. The invoice / receipt 800 includes information such as the patient's name, number, date, co-payment percentage, medical fee points, and medical expenses.

[0013] As related to the two processing modes described later, the invoice and receipt 800 may be issued by the accounting counter device 10 (accounting counter device 10, printer) or by the registration and settlement device 20. The invoice and receipt 800 issued by the accounting counter device 10 has a special barcode 801 printed on it. The special barcode 801 encodes information such as that it is a special barcode 801 (a flag indicating that it is a medical expense), the medical expense, and the burden ratio. The number of digits in the special barcode 801 may be the same as that of the JAN code (13 digits or 8 digits), or it may be a different number of digits from that of the JAN code.

[0014] In the medical institution of this embodiment (the medical institution in which the processing system 2 is introduced), the following two processing modes (processing mode A and processing mode B) are assumed as processing modes related to the settlement of medical expenses (specifically, the sequence of events between the settlement of medical expenses and the issuance of the invoice / receipt 800).

[0015] (Processing method A) After the examination in the medical department, the customer moves to the billing counter. The person in charge (the person in charge of the billing counter) operates the billing counter device 10 to input the medical fee billing information (information including medical fees, burden ratio, etc., which is the basis for the invoice and receipt 800). That is, the billing counter device 10 generates the medical fee billing information. After inputting the medical fee billing information, the person in charge returns the examination ticket (examination card) 700 (see Fig. 3(A)) to the customer and guides the customer to use the registration and settlement device 20 (settlement of medical fees by the registration and settlement device 20). If the examination ticket 700 has already been returned to the customer (for example, when the necessary information at the reception desk is obtained from the examination ticket 700 and the examination ticket 700 is returned to the customer at the completion of the reception), the person in charge simply guides the customer to use the registration and settlement device 20. The customer moves to the registration and settlement device 20 (the location where the registration and settlement device 20 is installed; hereinafter the same).

[0016] The customer who has moved to the registration and settlement device 20 allows the registration and settlement device 20 to read the examination ticket 700 in order to settle the medical fees in the registration and settlement device 20. The registration and settlement device 20 that has read the examination ticket 700 identifies the customer from the examination ticket 700 (obtains customer identification information), requests the medical fee billing information of the customer from the billing counter device 10 (sends request information including customer identification information to the billing counter device 10), and obtains (receives) the medical fee billing information of the customer from the billing counter device 10. In other words, the billing counter device 10 sends the medical fee billing information (the medical fee billing information of the customer) to the registration and settlement device 20 in response to the request for the medical fee billing information (the medical fee billing information of one customer) from the registration and settlement device 20. The registration and settlement device 20 that has obtained the medical fee billing information from the billing counter device 10 registers (displays) the medical fees (the amount obtained from the medical fee billing information) and settles them by the operation of the customer. After the settlement is completed, the registration and settlement device 20 issues the invoice and receipt 800.

[0017] That is, in processing mode A, the accounting window device 10 side (the accounting window device 10, printer) does not issue the invoice-cum-receipt 800. Instead, the registration settlement device 20 reads the examination ticket 700 to register the medical treatment fees, and issues the invoice-cum-receipt 800 after the settlement is completed in the registration settlement device 20. In the case of processing mode A, since the registration settlement device 20 reads the examination ticket 700 to register the medical treatment fees and there is no scene to read the special barcode 801 after the settlement is completed, the registration settlement device 20 does not need to print the special barcode 801 on the invoice-cum-receipt 800.

[0018] In addition, in processing mode A, instead of the examination ticket 700, a My Number card (for example, a My Number card pre-registered as a health insurance card. My insurance card) may be used. However, in the following description of processing mode A, unless otherwise specified, the description will be made assuming the use of the examination ticket 700.

[0019] (Processing mode B) After the examination in the medical department, the customer moves to the accounting window. The person in charge (the person in charge at the accounting window) operates the accounting window device 10 to input the medical treatment fee billing information, and causes the printer (for example, a printer installed near the accounting window device 10. Not shown in the figure) to print and issue the invoice-cum-receipt 800. The special barcode 801 is printed on the invoice-cum-receipt 800. That is, the accounting window device 10 generates the medical treatment fee billing information and controls the printing and issuance of the invoice-cum-receipt 800 with the special barcode 801 attached. After issuing the invoice-cum-receipt 800, the person in charge returns the examination ticket 700 to the customer, gives the invoice-cum-receipt 800 to the customer, and guides the customer to use the registration settlement device 20. If the examination ticket 700 has already been returned to the customer, the person in charge gives the invoice-cum-receipt 800 to the customer and guides the customer to use the registration settlement device 20. The customer moves to the registration settlement device 20.

[0020] When a customer moves to the registration and settlement device 20, they have the device read the special barcode 801 (the special barcode 801 printed on the received invoice / receipt 800) in order to settle their medical expenses. Upon reading the special barcode 801, the registration and settlement device 20 registers (displays) the medical expenses (the amount obtained from the special barcode 801) and settles the payment through the customer's operation. Since the customer has already received the invoice / receipt 800, the registration and settlement device 20 does not issue the invoice / receipt 800 after the settlement is complete.

[0021] In other words, processing mode B is a processing mode in which the accounting counter device 10 (accounting counter device 10, printer) issues an invoice / receipt 800 with a special barcode 801 printed on it, and the registration and settlement device 20 reads the special barcode 801 to register the medical fees. In processing mode B, since the accounting counter device 10 issues the invoice / receipt 800, as mentioned above, the registration and settlement device 20 does not issue an invoice / receipt 800 after the settlement is completed.

[0022] In processing mode B, the registration and settlement device 20 registers the medical fees using information obtained from the special barcode 801, so even if communication between the accounting counter device 10 and the registration and settlement device 20 is poor, registration of medical fees is possible. Also, when registering medical fees in processing mode B (when medical fees are not registered in processing mode A), the accounting counter device 10 and the registration and settlement device 20 do not need to be connected for communication. On the other hand, when processing is exclusively in processing mode A mode (when there is no possibility of processing in processing mode B mode), or when it is possible to switch between processing mode A mode and processing mode B mode, such as processing mode A mode / processing mode B mode (when there is a possibility of processing in processing mode A mode), the accounting counter device 10 and the registration and settlement device 20 are connected for communication. The person in charge will switch between processing mode A and processing mode B by operating the accounting counter device 10 according to the communication status between the accounting counter device 10 and the registration and settlement device 20, the printer status, etc.

[0023] (Product registration) The registration and settlement device 20 can register and settle medical fees (by reading the patient card 700 in processing mode A, and by reading the special barcode 801 in processing mode B), but it can also register and settle products (such as toothbrushes). Processing modes A and B are processing modes related to the settlement of medical fees and do not affect the registration of products. In other words, the registration and settlement device 20 registers products in the same way regardless of whether it is registering medical fees by reading the patient card 700 (processing mode A) or by reading the special barcode 801 (processing mode B).

[0024] (Accounting counter device 10) The accounting terminal device 10 is used by the person in charge (the person in charge of the accounting terminal). The accounting terminal device 10 is, for example, a personal computer. Based on the person in charge's operations, the accounting terminal device 10 generates (creates) and stores a medical fee statement (receipt) for submission to a designated payment institution. The accounting terminal device 10 transmits the medical fee statement to the designated payment institution's server (not shown).

[0025] In processing mode A, the accounting counter device 10 generates and stores medical expense billing information based on the operator's actions. In response to a request for medical expense billing information (medical expense billing information for one customer) from the registration settlement device 20, the accounting counter device 10 transmits the medical expense billing information (medical expense billing information for that customer) to the registration settlement device 20.

[0026] In processing mode B, the accounting counter device 10 generates medical expense billing information based on the operator's actions, sends the medical expense billing information to a printer (not shown), and causes the printer to issue an invoice / receipt 800 with a special barcode 801 printed on it.

[0027] (Registration and settlement device 20) The registration and settlement device 20 is used by customers. The registration and settlement device 20 is a device that performs a registration process to register the items to be settled, and a settlement process to settle the items registered in the registration process (settlement based on the registration information registered in the registration process). For example, the registration and settlement device 20 registers medical fees (in processing mode A, it reads the medical card 700 to register the medical fees, and in processing mode B, it reads the special barcode 801 to register the medical fees) and settles said medical fees. The registration and settlement device 20 also registers goods (such as toothbrushes) and settles said goods.

[0028] The registration and settlement device 20 is a registration and settlement device (fully self-service device) that has a customer display unit (customer-side display unit 203 (described later)), a registration unit (customer-side scanner unit 204 (described later)), and a settlement unit (settlement terminal 205 (described later), change dispenser 206 (described later)) on one side (customer side), and registers and settles payments based on customer operations. The registration and settlement device 20 may also be further equipped with a display unit (employee-side display unit 210) for employees (staff members) on the other side (employee side).

[0029] (Payment Server 90) The payment server 90 is a server that processes non-cash payments (credit card payments, electronic money payments, etc.). In Figure 1(A) (and similarly in Figure 1(B)), one payment server 90 is shown, but multiple types of payment servers may be provided for each type of non-cash payment (e.g., payment server 90a for credit card payments, payment server 90b for electronic money payments, etc.).

[0030] Figure 2 shows an example configuration of the registration and payment device 20. As shown in Figure 2, the registration and payment device 20 includes a CPU 201, a storage unit 202, a customer-side display unit 203, a customer-side scanner unit 204, a payment terminal (non-cash payment unit) 205, a change dispenser (cash payment unit) 206, a card reader 207, a printing unit 208, an audio output unit 213, a communication unit 214, a camera (imaging unit) 215, and a light-emitting unit 216. These units can communicate with each other via a bus. The registration and payment device 20 may also further include a staff-side display unit 210 (not shown), as described above. Furthermore, the registration and payment device 20 may also further include a sensor (such as a motion sensor) for detecting the presence of a person.

[0031] The CPU 201 is a central processing unit that controls the operation of the registration and settlement device 20 by reading and executing programs stored in the memory unit 202. The memory unit 202 stores various types of information (for example, information referenced or generated by the CPU 201, information obtained from external sources (for example, the accounting counter device 10), etc.). The memory unit 202 is a general term for one or more different storage components (for example, memory or storage devices such as RAM, ROM, hard disk, SSD (Solid State Drive), etc.).

[0032] The customer-side display unit 203 is a customer-oriented display unit. The customer-side display unit 203 is, for example, a liquid crystal display (touch panel) that displays various information to the customer and accepts customer operations. For example, the customer-side display unit 203 displays various buttons to advance the process (for example, a "start" button, a "checkout" button, and buttons corresponding to each payment method ("cash" button, etc.)) and accepts operations on each of these buttons.

[0033] The customer-side scanner unit 204 is a scanner unit for the customer that is directed towards the customer. For example, the customer-side scanner unit 204 scans (reads) the barcode 821 (see Figure 3(B)) attached to the product and obtains the product code (JAN code, etc.). The customer-side scanner unit 204 is used when registering a product, but the customer-side display unit 203 may display product buttons (preset buttons) corresponding to the products, and the customer may register the product by operating the product buttons.

[0034] In processing mode B, the customer-side scanner unit 204 scans the special barcode 801 printed on the invoice / receipt 800 to obtain the medical fee.

[0035] Furthermore, if the medical card 700 has a code attached to it, in processing mode A, the customer-side scanner unit 204 may scan the code attached to the medical card 700 and obtain customer identification information.

[0036] The payment terminal 205 is a non-cash payment unit facing the customer. The payment terminal 205 is used for non-cash payments (e.g., credit cards, electronic money, etc.). The payment terminal 205 may be configured integrally with the registration and settlement device 20, or it may be a separate unit connected to the registration and settlement device 20. The payment terminal 205 includes a communication unit, an information reading unit, an operation unit, and a display unit. The payment terminal 205 may also include some (one or more) of a storage unit, an information writing unit, and a processing unit. In relation to the payment terminal 205, the configuration of the registration and settlement device 20 excluding the payment terminal 205 may be referred to as the main unit (or main unit side).

[0037] The communication unit of the payment terminal 205 transmits and receives various information. The communication unit includes a first communication unit responsible for communication with the main unit (wired or wireless communication) and a second communication unit responsible for communication with external devices (such as external servers that execute credit card payments) (wireless communication).

[0038] The information reading unit reads (acquires) information stored on a card (e.g., a credit card, an electronic money card, etc.). Specifically, the information reading unit reads information stored on a card when the card is inserted, held over, or swiped. For example, the information reading unit reads information stored on an IC card when an IC card is inserted or held over. The information reading unit also reads information stored on a magnetic card when a magnetic card is swiped. In lieu of or in addition to the information stored on the card, the information reading unit may also read information stored on the customer's device (e.g., the customer's smartphone, the customer's wearable device, etc.). For example, the information reading unit may read information stored on a device when the device is held over. In short, the payment terminal 105 acquires various information through the information reading unit and performs non-cash payments. The payment terminal 105 communicates with the payment server 90 via the second communication unit, but it may also communicate with different payment servers 90 depending on the type of payment (e.g., credit card payment, electronic money payment). Furthermore, the payment terminal 105 may be equipped with multiple information reading units depending on the type of payment or the type of medium (card, device) to be read.

[0039] The payment terminal 205 may perform non-cash payments using information obtained from the main unit by the first communication unit, in addition to or instead of the information obtained by the information reading unit. For example, the payment terminal 205 may perform non-cash payments (code payments) using information for code payments obtained by the customer-side scanner unit 204.

[0040] The change dispenser 206 is a cash settlement unit facing the customer. The change dispenser 206 is used for cash payments. The change dispenser 206 has an input slot for banknotes and coins (deposit slot) and an output slot for banknotes and coins (dispense slot). It counts the amount inserted into the input slot and dispenses change equal to the difference between the inserted amount and the purchase amount (payment amount) from the output slot. The removal of banknotes and coins from the output slot is detected by a sensor.

[0041] The card reader 207 reads the IC card inserted into the slot 207a (see Figure 3(A)) facing the customer and obtains the information stored on the IC card. For example, in processing mode A, the card reader 207 reads the medical card 700 (IC card medical card) inserted into the slot 207a and obtains the customer identification information stored on the medical card 700.

[0042] The registration and settlement device 20 may be provided with a swipe area (not shown) in place of or in addition to the insertion slot 207a, and the card reader 207 may read an IC card held over the swipe area instead of an IC card inserted into the insertion slot 207a. In processing mode A, the card reader 207 may read the medical examination card 700 (IC card medical examination card) held over the swipe area and obtain the customer identification information stored in the medical examination card 700.

[0043] Furthermore, the registration and settlement device 20 may include a swipe section (not shown), and the card reader 207 may read the magnetic card swept onto the swipe section. In processing mode A, the card reader 207 may read the medical card 700 (magnetic card medical card) swept onto the swipe section and obtain the customer identification information stored on the medical card 700.

[0044] The card reader unit 207 is used to read the medical card 700 (IC card medical card, magnetic card medical card). However, if the medical card 700 has a code, the customer-side scanner unit 204 may scan the code on the medical card 700 and obtain customer identification information, as described above.

[0045] Furthermore, since the medical card 700 is not read in processing mode B, the registration and settlement device 20 does not need to be equipped with a card reader 207 if there is no possibility of processing in processing mode A.

[0046] The printing unit 208 has a media outlet facing the customer and prints and issues various media. For example, when goods are paid for, the printing unit 208 prints and issues a receipt. In processing mode A, the printing unit 208 also prints and issues an invoice / receipt 800. The removal of media from the media outlet is detected by a sensor.

[0047] The audio output unit 213 outputs sound. For example, the audio output unit 213 outputs confirmation sounds, warning sounds, voice guidance, etc.

[0048] The communication unit 214 transmits and receives various types of information. The communication unit 214 includes a communication unit 214A, which is responsible for communication with the payment terminal 205 (wired or wireless communication), and a communication unit 214B, which is responsible for communication with devices within the LAN (accounting counter device 10) (wired or wireless communication). For example, in processing mode A, the communication unit 214B requests medical expense billing information from the accounting counter device 10 and receives medical expense billing information from the accounting counter device 10.

[0049] Camera 215, for example, captures images of customers. Light-emitting unit 216 provides various information (such as staff call status and operational status) depending on the mode of illumination. The registration and payment device 20 may also be equipped with a sign pole, on which the camera 215 and light-emitting unit 216 may be mounted.

[0050] Figure 3 is an explanatory diagram illustrating the registration of medical fees and goods in the registration and settlement device 20. Figure 3(A) is an explanatory diagram illustrating the registration of medical fees in processing mode A. Figure 3(B) is an explanatory diagram illustrating the registration of goods (toothbrushes). Figure 3(C) is an explanatory diagram illustrating the registration of medical fees in processing mode B.

[0051] As shown in Figure 3(A), in processing mode A, the registration and settlement device 20 registers the medical fee of a customer when the customer inserts the medical card 700 into the insertion slot 207a. Alternatively, the registration and settlement device 20 may register the medical fee of a customer when the customer holds the medical card 700 over the scanning area or when the customer swipes the medical card 700 over the swipe area. If the medical card 700 has a code, the registration and settlement device 20 may register the medical fee of a customer when the customer scans the code on the medical card 700 with the customer-side scanner unit 204.

[0052] As shown in Figure 3(B), the registration and payment device 20 registers a product when the customer scans the barcode 821 attached to the product with the customer-side scanner unit 204. As mentioned above, the registration and payment device 20 may also display product buttons, and the registration and payment device 20 may register the product corresponding to the product button when the customer operates the product button.

[0053] As mentioned above, since processing mode A and processing mode B are processing modes related to the settlement of medical expenses, the registration settlement device 20 registers the goods in the same manner without distinction whether it is processing mode A or processing mode B.

[0054] As shown in Figure 3(C), in processing mode B, the registration and settlement device 20 registers the customer's medical expenses when the customer scans the special barcode 801 with the customer-side scanner unit 204.

[0055] [Restrictions on non-cash payments for medical expenses] Regarding non-cash payments, some systems offer a partial refund of the payment amount (amount spent). On the other hand, it is considered undesirable for a portion of the payment amount to be refunded for medical expenses covered by insurance. In light of the above, processing system 1 (and processing system 3) restricts non-cash payments for medical expenses covered by insurance.

[0056] Specifically, the registration and settlement device 20 prohibits payment (settlement) of medical expenses using non-cash payment methods that refund a portion of the payment amount (amount used). More specifically, the registration and settlement device 20 excludes non-cash payment methods that refund a portion of the payment amount from the options for payment methods (settlement methods) of medical expenses, thereby prohibiting payment of medical expenses using non-cash payment methods that refund a portion of the payment amount. In other words, as a payment method for medical expenses covered by insurance, it displays a payment method that does not refund a portion of the payment amount as an option, and prohibits payment of medical expenses using non-cash payment methods that refund a portion of the payment amount.

[0057] Figures 4 to 6 show examples of displays in the registration and payment device 20 (customer-side display unit 203). Figures 4(A) to 4(F) show examples of displays when registering and paying for products (toothbrush, toothpaste gel). Figures 5(A) to 5(E) show examples of displays when registering and paying for products (toothbrush) and medical fees. Note that Figure 5(A) is a continuation from Figure 4(C). Figures 6(A) to 6(C) show examples of displays when registering and paying for medical fees. Note that Figure 6(A) is a continuation from Figure 4(B). In Figures 4 to 6, the customer-side display unit 203 (each screen) is shown in landscape orientation, but it may also be in portrait orientation.

[0058] In the explanations for Figures 4 to 6, it is assumed that for non-cash payments, the reward rate for credit card A is 2%, the reward rate for credit card B is 1%, the reward rate for electronic money A is 0% (no reward), the reward rate for electronic money B is 2%, and the reward rate for code payment is 3%. Also, in the explanations for Figures 4 to 6, it is assumed that patient card 700 is used for registering medical expenses (processing method A).

[0059] (If product: available, medical fee: not applicable) The registration and settlement device 20 displays an initial screen (also called the standby screen) as shown in Figure 4(A) when in standby mode. The initial screen in Figure 4(A) displays an operable "Start" button, which is used to begin operations.

[0060] When a customer presses the "Start" button on the initial screen shown in Figure 4(A), the registration and settlement device 20 displays the initial registration screen shown in Figure 4(B). The initial registration screen in Figure 4(B) displays message MS01, which instructs (guides) the customer to insert the medical card 700 and scan the products. The same applies to registration screens such as Figure 4(C).

[0061] When a customer scans the barcode 821 attached to the toothbrush with the customer-side scanner unit 204 on the initial registration screen shown in Figure 4(B), the registration and settlement device 20 displays a registration screen as shown in Figure 4(C). The registration screen in Figure 4(C) displays the registration information of the toothbrush (product name, price) and total information (number of items purchased, total amount) as the first registration. Also, the registration screen in Figure 4(C) displays an operable "Checkout" button, which is used when the customer finishes registration and proceeds to checkout (settlement). The same applies to the registration screens shown in Figure 4(D), etc.

[0062] When a customer scans the barcode 821 attached to the toothpaste gel using the customer-side scanner unit 204 on the registration screen shown in Figure 4(C), the registration device 20 displays a registration screen as shown in Figure 4(D). The registration screen in Figure 4(D) displays the registration information for the toothbrush as the first registration, and the registration information for the toothpaste gel and total information as the second registration.

[0063] When a customer operates the "Checkout" button on the registration screen shown in Figure 4(D), the registration and settlement device 20 displays a payment method selection screen (also referred to as the settlement method selection screen or payment type selection screen) as shown in Figure 4(E). In the payment amount display area AR10 of the payment method selection screen in Figure 4(E), the payment amount "¥1,210" is displayed as the price of the registered products (toothbrush, toothpaste gel). The payment method selection screen in Figure 4(E) displays a message MS11 instructing the customer to select (select) a payment method for the products.

[0064] Furthermore, the payment method selection screen in Figure 4(E) displays the following buttons as operable payment options: "Cash," "Credit A," "Credit B," "Electronic Money A," "Electronic Money B," and "Code Payment." The "Cash" button is used when paying with cash. The "Credit A" button is used when paying with credit card A. The "Credit B" button is used when paying with credit card B. The "Electronic Money A" button is used when paying with electronic money A. The "Electronic Money B" button is used when paying with electronic money B. The "Code Payment" button is used when paying with code payment.

[0065] Near the "Credit A" button (at the bottom in the example shown), the reward rate for Credit Card A is displayed as "Reward Rate 2%". The same applies to the "Credit B" button, the "Electronic Money B" button, and the "Code Payment" button.

[0066] When a customer presses the "Credit A" button on the payment method selection screen in Figure 4(E), the registration and settlement device 20 displays a screen corresponding to payment by credit card A (for example, a screen guiding the customer to operate the payment terminal 205; not shown). When payment by credit card A is completed (for example, when information indicating that a transaction completion notification has been received from the payment server 90 is obtained from the payment terminal 205), the device displays a print media receipt screen as shown in Figure 4(F). The print media receipt screen in Figure 4(F) displays a message MS20 expressing gratitude for the purchase of the goods.

[0067] When the customer receives a receipt on the print media receiving screen in Figure 4(F) (when the receipt is detected to have been removed), the registration and settlement device 20 displays the initial screen shown in Figure 4(A).

[0068] (If product: Yes, medical fee: Yes) When a customer inserts their medical card 700 into the insertion slot 207a on the registration screen shown in Figure 4(C), the registration device 20 displays a registration screen as shown in Figure 5(A). The registration screen in Figure 5(A) displays the registration information for the toothbrush as the first registration, and the registration information and total information for the medical fees as the second registration.

[0069] When a customer presses the "Pay" button on the registration screen in Figure 5(A), the registration and settlement device 20 displays a payment method selection screen as shown in Figure 5(B). In the payment amount display area AR10 of the payment method selection screen in Figure 5(B), the payment amount "¥3,460" is displayed as the registered medical fee. The payment method selection screen in Figure 5(B) displays a message MS12 instructing the customer to select a payment method for the medical fee, and a message MS13 informing the customer that payment methods with rebates are not available (selectable).

[0070] Furthermore, in the payment method selection screen in Figure 5(B), the "Cash" button and the "Electronic Money A" button are displayed as operable payment method options. On the other hand, in the payment method selection screen in Figure 5(B), the "Credit A" button, the "Credit B" button, the "Electronic Money B" button, and the "Code Payment" button are displayed as operable (grayed out) (indicated by dashed lines in the figure). Note that instead of displaying the "Credit A" button, etc. as operable, they do not need to be displayed at all (they can be hidden).

[0071] In other words, the registration and settlement device 20 excludes non-cash payments (credit card A, credit card B, electronic money B, and code payments) from the options for payment methods of medical fees, as these payments offer a partial refund. To put it another way, from all payment methods (cash, credit card A, credit card B, electronic money A, electronic money B, and code payments), the registration and settlement device 20 selects and displays as an operable option payment method for medical fees only those payment methods that do not offer a refund to the user (cash and electronic money A).

[0072] When a customer presses the "Cash" button on the payment method selection screen in Figure 5(B), the registration and settlement device 20 displays a screen corresponding to cash payment (for example, a cash input screen; not shown). When the cash payment is completed (for example, when the customer inserts an amount exceeding the payment amount and presses the "Finish" button), it displays a change receiving screen as shown in Figure 5(C).

[0073] When the customer receives their change on the change receipt screen in Figure 5(C) (when the device detects that the change has been taken), the registration and settlement device 20 displays a payment method selection screen as shown in Figure 5(D). In the payment amount display area AR10 of the payment method selection screen in Figure 5(D), the payment amount "¥220" is displayed as the price of the registered product (toothbrush). The payment method selection screen in Figure 5(D) also displays a message MS11 instructing the customer to select a payment method for the product.

[0074] Furthermore, if no change is required for a cash payment (for example, if the customer inserts the exact amount of the payment and presses the "Finish" button), the registration and settlement device 20 will not display the change receipt screen shown in Figure 5(C), but will instead display the payment method selection screen shown in Figure 5(D).

[0075] When a customer presses the "Credit A" button on the payment method selection screen in Figure 5(D), the registration and settlement device 20 displays a screen indicating payment by credit card A. Once payment by credit card A is completed, it displays a print media receipt screen as shown in Figure 5(E). The print media receipt screen in Figure 5(E) displays a message MS20 expressing gratitude for the purchase and a get-well message MS21.

[0076] When the customer receives the invoice / receipt and receipt on the print media receiving screen in Figure 5(E), the registration and settlement device 20 displays the initial screen shown in Figure 4(A).

[0077] (If there are no products and there are medical fees) When a customer inserts their medical card 700 into the insertion slot 207a on the registration screen shown in Figure 4(B), the registration device 20 displays a registration screen as shown in Figure 6(A). The registration screen in Figure 6(A) displays the registration information and total information for the medical fees as the first registration.

[0078] When a customer presses the "Checkout" button on the registration screen shown in Figure 6(A), the registration and settlement device 20 displays a payment method selection screen as shown in Figure 6(B). The payment method selection screen in Figure 6(B) is the same as the payment method selection screen in Figure 5(B).

[0079] When a customer presses the "Cash" button on the payment method selection screen shown in Figure 6(B), the registration and settlement device 20 displays a screen indicating payment by cash. When the cash payment is completed (for example, when the customer inserts an amount exceeding the payment amount and presses the "Finish" button), the device displays a change receipt screen as shown in Figure 6(C).

[0080] When a customer receives change on the change receiving screen shown in Figure 6(C), the registration and settlement device 20 displays a print media receiving screen (not shown). When the customer receives an invoice and receipt on the print media receiving screen, the device displays the initial screen shown in Figure 4(A). The print media receiving screen (not shown) displays a get-well message MS21.

[0081] Furthermore, if no change is required for a cash payment, the registered settlement device 20 will display a print media receipt screen (not shown) instead of the change receipt screen shown in Figure 6(C). Figures 6(D) to 6(F) will be described later.

[0082] Figures 4 to 6 show examples of the display in case of processing mode A (when a medical card 700 is used to register medical fees). However, in case of processing mode B (when a special barcode 801 is used to register medical fees), the registration and settlement device 20 displays message MS02 (not shown), which instructs scanning of the special barcode 801 or the product, instead of message MS01, on the initial registration screen in Figure 4(B) and registration screens such as Figure 4(C).

[0083] Furthermore, in the case of processing mode A, the registration and settlement device 20 displays a message instructing the customer to receive the invoice / receipt 800 and the receipt on the print media receipt screen (print media receipt screen when goods: yes, medical fees: yes) in Figure 5(E), but in the case of processing mode B, it displays a message instructing the customer to receive the receipt on the print media receipt screen (print media receipt screen) in Figure 5(E). Also, in the case of processing mode A, the registration and settlement device 20 displays the print media receipt screen (not shown) when the customer receives change on the change receipt screen (change receipt screen when goods: no, medical fees: yes) in Figure 6(C), but in the case of processing mode B, it displays the initial screen of Figure 4(A) without displaying the print media receipt screen when the customer receives change on the change receipt screen of Figure 6(C).

[0084] Figures 7 and 8 are flowcharts illustrating an example of the operation of the registration and settlement device 20. The flowchart in Figure 7 begins when the "Start" button on the initial screen (Figure 4(A)) is pressed. In other words, it is assumed that the initial registration screen (Figure 4(B)) is displayed at the start of the flowchart in Figure 7. The flowchart in Figure 8 is a continuation of the flowchart in Figure 7. In the explanation of Figures 7 and 8 (and similarly in Figure 9), it is assumed that a patient registration card 700 is used for registering medical fees (processing mode A).

[0085] (Flowchart in Figure 7) Step S1: The registration and payment device 20 determines whether it has read the patient ID card 700. In other words, the registration and payment device 20 determines whether it has obtained customer identification information from the patient ID card 700. For example, the registration and payment device 20 determines whether it has obtained customer identification information from the patient ID card 700 when the patient ID card 700 is inserted into the insertion slot 207a (or when the patient ID card 700 is held over the scanning area, or when the patient ID card 700 is swiped over the swipe area). If the patient ID card 700 has a code, the registration and payment device 20 may also determine whether it has obtained customer identification information from the patient ID card 700 when the code on the patient ID card 700 is scanned by the customer-side scanner unit 204. If the patient ID card 700 has been read (Step S1: YES), proceed to Step S2. If the patient ID card 700 has not been read (Step S1: NO), proceed to Step S3.

[0086] Step S2: The registration and settlement device 20 registers the medical fees. For example, the registration and settlement device 20 sends request information including customer identification information obtained from the patient ID card 700 to the accounting counter device 10, and obtains (receives) the medical fee billing information for that customer from the accounting counter device 10. Subsequently, the registration and settlement device 20 registers the medical fees based on the medical fee billing information. Then proceed to step S3.

[0087] Step S3: The registration and settlement device 20 determines whether the product has been scanned. In other words, the registration and settlement device 20 determines whether the barcode 821 attached to the product has been read. If the product has been scanned (Step S3: YES), proceed to Step S4. If the product has not been scanned (Step S3: NO), proceed to Step S5.

[0088] In addition, the registration and settlement device 20 may determine in step S3 whether the product button was operated instead of or in addition to scanning the product. If the product button was operated (step S3: YES), the registration and settlement device 20 proceeds to step S4. If the product button was not operated (step S3: NO), it proceeds to step S5.

[0089] Step S4: The registration and settlement device 20 registers the scanned product (or the product for which the product button was pressed). Then proceed to step S5.

[0090] Step S5: The registration and settlement device 20 determines whether medical fees or one or more items have been registered. In other words, the registration and settlement device 20 determines whether it can proceed to accounting (settlement). If registration has been made (Step S5: YES), proceed to Step S6. If registration has not been made (Step S5: NO), return to Step S1.

[0091] Step S6: The registration and settlement device 20 determines whether the "Pay" button has been pressed. If the "Pay" button has been pressed (Step S6: YES), proceed to Step S10 in Figure 8. If the "Pay" button has not been pressed (Step S6: NO), return to Step S1.

[0092] (Flowchart in Figure 8) Step S10: The registration and settlement device 20 determines whether the payment includes medical fees (i.e., whether the payment amount includes medical fees). In other words, the registration and settlement device 20 determines whether medical fees are registered. If medical fees are included (Step S10: YES), proceed to Step S11. If medical fees are not included (Step S10: NO), proceed to Step S15. Note that if medical fees are not included (Step S10: NO), the payment includes goods (i.e., the payment amount includes the price of the goods).

[0093] Step S11: The registration and settlement device 20 selects a payment method from all payment methods that does not provide any rebates to the user. For example, the registration and settlement device 20 selects a payment method from all payment methods (cash, credit card A, credit card B, electronic money A, electronic money B, code payment) that does not provide any rebates to the user (cash, electronic money A). The process then proceeds to step S12.

[0094] Step S12: The registration and settlement device 20 displays the selected payment method so that it can be selected. The registration and settlement device 20 also notifies that payment methods with rebates are not available. For example, the registration and settlement device 20 displays a payment method selection screen as shown in Figure 5(B) and Figure 6(B). In the payment method selection screen in Figure 5(B) and Figure 6(B), the selected payment method (cash, electronic money A) is displayed so that it can be selected (the "cash" button and the "electronic money A" button are displayed so that they can be operated), and it is notified that payment methods with rebates are not available (message MS13). The process then proceeds to step S13.

[0095] Step S13: The registration and settlement device 20 performs payment processing (payment processing for medical fees) according to the payment method selected by the customer. The process then proceeds to step S14.

[0096] Step S14: The registration and settlement device 20 determines whether the payment includes goods (whether the payment amount includes the price of the goods). In other words, the registration and settlement device 20 determines whether the goods have been registered. If the goods are included (Step S14: YES), proceed to Step S15. If the goods are not included (Step S14: NO), proceed to Step S17. Step S14 also determines whether the payment has been completed. If the payment has been completed, proceed to Step S17. If the payment has not been completed, proceed to Step S15.

[0097] Step S15: The registration and settlement device 20 displays all payment methods for selection. For example, the registration and settlement device 20 displays a payment method selection screen as shown in Figure 4(E) or Figure 5(D). In the payment method selection screens of Figure 4(E) and Figure 5(D), all payment methods (cash, credit card A, credit card B, electronic money A, electronic money B, code payment) are displayed for selection (the "cash" button, "credit card A" button, "credit card B" button, "electronic money A" button, "electronic money B" button, and "code payment" button are displayed for operation). Next, proceed to step S16.

[0098] Step S16: The registration and settlement device 20 performs payment processing (payment processing for goods) using the payment method selected by the customer. The process then proceeds to step S17.

[0099] Step S17: The registration and settlement device 20 determines whether medical fees are included. If medical fees are included (Step S17: YES), proceed to Step S18. If medical fees are not included (Step S17: NO), proceed to Step S19. Step S18: The registration and settlement device 20 prints and issues the invoice and receipt 800. Then proceed to step S19.

[0100] Step S19: The registration and settlement device 20 determines whether the item is included. If it is included (Step S19: YES), proceed to Step S20. If it is not included (Step S19: NO), this flowchart ends. Step S20: The registration and settlement device 20 prints and issues a receipt for the goods. This flowchart then ends.

[0101] Furthermore, if a non-cash payment is made, the registered settlement device 20 may print and issue a medium related to the non-cash payment, regardless of the decisions made in steps S17 and S19. For example, if a credit card payment (payment using credit card A or credit card B) is made, the registered settlement device 20 may print and issue a credit card receipt. Also, if an electronic money payment (payment using electronic money A or electronic money B) is made, the registered settlement device 20 may print and issue a medium for balance confirmation.

[0102] Furthermore, Figures 7 and 8 show examples of operation in processing mode A (when a patient card 700 is used to register medical fees), but in processing mode B (when a special barcode 801 is used to register medical fees), the registration and settlement device 20 determines in step S1 whether the special barcode 801 has been scanned. Also, in processing mode B, the registration and settlement device 20 does not perform the processing in steps S17 and S18. In other words, it proceeds from step S14 (NO) to step S19, and from step S16 to step S19.

[0103] [Other restrictions on non-cash payments for medical expenses 1] As a way to restrict non-cash payments for medical expenses covered by insurance, instead of prohibiting all non-cash payments that offer a partial refund, it may be permissible to prohibit only certain non-cash payments that offer a partial refund. Specifically, among non-cash payments that offer a partial refund, it may be permissible to prohibit payments made using non-cash methods where the refund rate exceeds a predetermined threshold (for example, 1%), while permitting payments made using non-cash methods where the refund rate is below the predetermined threshold. In other words, as payment methods for medical expenses covered by insurance, it may be possible to display options for payment methods that offer a partial refund, including those where the refund rate is below a predetermined threshold, in addition to payment methods that do not offer a partial refund, and to prohibit payments made using payment methods where the refund rate exceeds the predetermined threshold.

[0104] For example, the registration and settlement device 20 may display the payment method selection screen shown in Figure 6(D) instead of the payment method selection screens shown in Figure 5(B) and Figure 6(B). In the payment amount display area AR10 of the payment method selection screen in Figure 6(D), the payment amount "¥3,460" is displayed as the registered medical fee. The payment method selection screen in Figure 6(D) displays a message MS12 instructing the user to select a payment method for the medical fee, and a message MS14 informing the user that payment methods with a rebate rate of more than 1% cannot be used (selected).

[0105] Furthermore, in the payment method selection screen in Figure 6(D), the "Cash" button, "Credit B" button, "Electronic Money A" button, and "Credit A" are displayed as operable payment method options. On the other hand, in the payment method selection screen in Figure 6(D), the "Credit A" button, "Electronic Money B" button, and "Code Payment" button are displayed as operable. Note that instead of displaying the "Credit A" button, etc. as operable, they do not need to be displayed (they can be hidden).

[0106] In other words, the registration and settlement device 20 excludes non-cash payment methods (credit card A, credit card B, electronic money B, code payment) with a rebate rate exceeding 1% from the options for payment of medical fees. To put it another way, from all payment methods (cash, credit card A, credit card B, electronic money A, electronic money B, code payment), the registration and settlement device 20 selects and displays, in an operable manner, payment methods that do not provide rebates to the user (cash, electronic money A) and payment methods with a rebate rate of 1% or less (credit card B) as options for payment of medical fees.

[0107] Figure 9 is a flowchart illustrating an example of the operation of the registration and settlement device 20. The flowchart in Figure 9(A) is a part of the flowchart in Figure 8. The flowcharts in Figures 9(B) and 9(C) will be described later.

[0108] (Flowchart in Figure 9(A)) The flowchart in Figure 9(A) is the same as the flowchart in Figure 8, but with the dashed line P swapped. In other words, the registration and settlement device 20 proceeds from step S10(YES) in Figure 8 to step S11A in the flowchart of Figure 9(A).

[0109] Step S11A: The registration and settlement device 20 selects from all payment methods a payment method that does not offer any rewards to the user or a payment method with a reward rate of 1% or less. For example, from all payment methods (cash, credit card A, credit card B, electronic money A, electronic money B, code payment), the registration and settlement device 20 selects a payment method that does not offer any rewards to the user (cash, electronic money A) and a payment method with a reward rate of 1% or less (credit card B). The process then proceeds to step S12A.

[0110] Step S12A: The registration and settlement device 20 displays the selected payment method so that it can be selected. The registration and settlement device 20 also notifies that payment methods exceeding a predetermined reward rate cannot be used. For example, the registration and settlement device 20 displays a payment method selection screen as shown in Figure 6(D). On the payment method selection screen in Figure 6(D), the selected payment methods (cash, credit card B, electronic money A) are displayed so that they can be selected (the "cash" button, the "credit card B" button, and the "electronic money A" button are displayed so that they can be operated), and it is notified that payment methods with a reward rate exceeding 1% cannot be used (message MS14). The process then proceeds to step S13.

[0111] Step S13: Similar to step S13 in Figure 8, the registration and settlement device 20 performs payment processing (payment processing for medical expenses) using the payment method selected by the customer. The process then proceeds to step S14 in the flowchart of Figure 8.

[0112] [Other restrictions on non-cash payments for medical expenses 2] As a method to restrict non-cash payments for medical expenses covered by insurance, the rebate rate may be reduced to a predetermined threshold for payments made using payment methods that rebate a portion of the payment amount, where the rebate rate exceeds a predetermined threshold (for example, 1%). In this case, it should be indicated that the rebate rate will be reduced to a predetermined threshold for payments made using payment methods that rebate a portion of the payment amount, where the rebate rate exceeds a predetermined threshold.

[0113] For example, the registration and settlement device 20 may display the payment method selection screen shown in Figure 6(E) instead of the payment method selection screens shown in Figure 5(B) and Figure 6(B). In the payment amount display area AR10 of the payment method selection screen in Figure 6(E), the payment amount "¥3,460" is displayed as the registered medical fee. The payment method selection screen in Figure 6(E) displays a message MS12 instructing the user to select a payment method for the medical fee, and a message MS15 informing the user that payment methods with a rebate rate exceeding 1% will have their rebate rate reduced to 1%.

[0114] Furthermore, in the payment method selection screen shown in Figure 6(E), the following payment method options are displayed and operable: "Cash" button, "Credit A" button, "Credit B" button, "Electronic Money A" button, "Electronic Money B" button, and "Code Payment" button. In addition, near the "Credit A" button (at the bottom in the example shown), a message "★2%→1%" is displayed indicating that the reward rate for Credit Card A will decrease from 2% to 1%. Near the "Electronic Money B" button, a message "★2%→1%" is displayed indicating that the reward rate for Electronic Money B will decrease from 2% to 1%. Near the "Code Payment" button, a message "★3%→1%" is displayed indicating that the reward rate for Code Payment will decrease from 3% to 1%.

[0115] (Flowchart in Figure 9(B)) The flowchart in Figure 9(B) is the same as the flowchart in Figure 8, but with the dashed line P swapped. In other words, the registration and settlement device 20 proceeds from step S10(YES) in Figure 8 to step S12B in the flowchart of Figure 9(B).

[0116] Step S12B: The registration and settlement device 20 displays all payment methods as selectable. The registration and settlement device 20 also notifies the user that the return rate for payment methods exceeding a predetermined return rate will be reduced to a predetermined return rate. For example, the registration and settlement device 20 displays a payment method selection screen as shown in Figure 6(E). In the payment method selection screen in Figure 6(E), all payment methods are displayed as selectable (all buttons are displayed as operable), and the user is notified that the return rate for payment methods exceeding 1% will be reduced to 1% (message MS15). The process then proceeds to step S13B.

[0117] Step S13B: The registration and settlement device 20 performs payment processing (payment processing for medical fees) according to the payment method selected by the customer. The process then proceeds to step S14 in the flowchart of Figure 8.

[0118] (Supplement to Step S13B) In step S13B, regarding medical fees, payment methods where the return rate to the user exceeds a predetermined return rate are permitted (payment processing is possible), but for payment methods where the return rate to the user exceeds a predetermined return rate, the payment processing is performed with the return rate reduced to the predetermined return rate. This control may be performed on the registration settlement device 20 side or on the settlement server 90 side.

[0119] For example, a rule may be shared between the registration and settlement device 20 and the settlement server 90 regarding medical expenses, specifying that payment methods exceeding a predetermined rebate rate will be reduced to a predetermined rebate rate. Based on this rule, payment processing may be performed by reducing payment methods exceeding a predetermined rebate rate to a predetermined rebate rate. The above rule may specify, for example, that the payment amount for medical expenses will be settled at a predetermined rebate rate, and that when the registration and settlement device 20 sends the payment amount for medical expenses to the settlement server 90, the payment amount (medical expenses) will be sent along with information indicating that it is a payment amount for medical expenses (e.g., a flag indicating that it is a medical expense settlement, category information, code information). In other words, if the payment amount is a medical expense, the registration and settlement device 20 sends the payment amount (medical expenses) along with information indicating that it is a medical expense (e.g., a flag indicating that it is a medical expense settlement) to the settlement server 90 in accordance with the above rule. When the payment server 90 receives a payment amount along with information indicating that it is a medical treatment fee, it determines, in accordance with the above rules, that the payment amount is a medical treatment fee and processes the payment by reducing the payment method that exceeds the predetermined redemption rate to the predetermined redemption rate.

[0120] Furthermore, without sharing the rules described above between the registration and settlement device 20 and the settlement server 90, payment processing may be performed by reducing the payment method that exceeds the predetermined return rate to the predetermined return rate for medical expenses. For example, if the registration and settlement device 20 is a medical expense, it sends the payment amount (medical expense) along with the predetermined return rate (or the reduced return rate) to the settlement server 90. When the settlement server 90 receives the payment amount along with the predetermined return rate (or the reduced return rate), it may perform payment processing by reducing the payment method that exceeds the predetermined return rate to the predetermined return rate. In other words, the settlement server 90 may perform payment processing with the return rate instructed by the registration and settlement device 20 as the upper limit, without being aware of whether the payment amount is a medical expense.

[0121] [Other restrictions on non-cash payments for medical expenses 3] As a way to restrict non-cash payments for medical expenses covered by insurance, instead of lowering the rebate rate to a predetermined threshold (for example, 1%) for payments made using payment methods that offer partial rebates, the rebate rate may be reduced to zero for all payments using payment methods that offer partial rebates (rebates may be eliminated). In this case, it should be indicated that there will be no rebate for payments made using payment methods that offer partial rebates.

[0122] For example, the registration and settlement device 20 may display the payment method selection screen shown in Figure 6(F) instead of the payment method selection screens shown in Figure 5(B) and Figure 6(B). In the payment amount display area AR10 of the payment method selection screen in Figure 6(F), the payment amount "¥3,460" is displayed as the registered medical fee. The payment method selection screen in Figure 6(F) displays a message MS12 instructing the user to select a payment method for the medical fee, and a message MS16 informing the user that the rebate will no longer be applied to payment methods that previously offered rebates.

[0123] Furthermore, in the payment method selection screen shown in Figure 6(F), the following payment method options are displayed and operable: "Cash" button, "Credit A" button, "Credit B" button, "Electronic Money A" button, "Electronic Money B" button, and "Code Payment" button. In addition, near the "Credit A" button (at the bottom in the example shown), a message "★2%→0%" is displayed indicating that the reward rate for Credit Card A will decrease from 2% to 0%. Near the "Credit B" button, a message "★1%→0%" is displayed indicating that the reward rate for Credit Card B will decrease from 1% to 0%. Near the "Electronic Money B" button, a message "★2%→0%" is displayed indicating that the reward rate for Electronic Money B will decrease from 2% to 0%. Near the "Code Payment" button, a message "★3%→0%" is displayed indicating that the reward rate for Code Payment will decrease from 3% to 0%.

[0124] (Flowchart in Figure 9(C)) The flowchart in Figure 9(C) is the same as the flowchart in Figure 8, but with the dashed line P swapped. In other words, the registration and settlement device 20 proceeds from step S10(YES) in Figure 8 to step S12C in the flowchart of Figure 9(C).

[0125] Step S12C: The registration and settlement device 20 displays all payment methods as selectable. The registration and settlement device 20 also notifies the user that the rebate will be discontinued for payment methods that previously offered a rebate. For example, the registration and settlement device 20 displays a payment method selection screen as shown in Figure 6(F). In the payment method selection screen in Figure 6(F), all payment methods are displayed as selectable (all buttons are displayed as operable), and the user is notified that the rebate will be discontinued for payment methods that previously offered a rebate (message MS16). The process then proceeds to step S13C.

[0126] Step S13C: The registration and settlement device 20 performs payment processing (payment processing for medical fees) according to the payment method selected by the customer. The process then proceeds to step S14 in the flowchart of Figure 8.

[0127] (Supplement to Step S13C) In step S13C, while payment methods that include a rebate to the user are permitted (payment processing is possible), the rebate to the user is removed for payment methods that include a rebate. This control may be performed on the registration and settlement device 20 side or on the settlement server 90 side.

[0128] For example, a rule may be shared between the registration and settlement device 20 and the settlement server 90 to eliminate refunds for medical expenses, and payment processing may be performed without refunding medical expenses based on that rule. The above rule may, for example, stipulate that no refunds will be given for medical expense payments, and that when the registration and settlement device 20 sends the medical expense payment amount to the settlement server 90, the payment amount (medical expense) will be sent along with information indicating that it is a medical expense payment (e.g., a flag indicating that it is a medical expense settlement, category information, code information). In other words, if the registration and settlement device 20 is a medical expense, it sends the payment amount (medical expense) along with information indicating that it is a medical expense (e.g., a flag indicating that it is a medical expense settlement) to the settlement server 90 in accordance with the above rule. When the settlement server 90 receives the payment amount along with the information indicating that it is a medical expense, it determines that the payment amount is a medical expense payment in accordance with the above rule and performs payment processing without refunding any refunds for payment methods that allow refunds.

[0129] Furthermore, the payment processing may be performed without refunding the medical fees, without sharing the rules described above between the registration and settlement device 20 and the settlement server 90. For example, if the registration and settlement device 20 is a medical fee, it sends the payment amount (medical fee) to the settlement server 90 along with information prohibiting refunds (or information setting the refund rate to 0%). If the settlement server 90 receives the payment amount along with information prohibiting refunds (or information setting the refund rate to 0%), it may perform the payment processing without refunding any refunds for payment methods that allow refunds. In other words, the settlement server 90 may perform the payment processing without refunding any refunds, following instructions from the registration and settlement device 20, without being particularly aware of whether the payment amount is a medical fee.

[0130] (Whether or not a reward is given to each customer, and the reward rate) The availability of cashback for non-cash payments may differ from customer to customer, or the cashback rate for non-cash payments may differ from customer to customer. For example, with credit card A, customer a may receive no cashback, customer b may receive a 1% cashback, and customer c may receive a 2% cashback. In this case, restrictions may be imposed after querying the payment server 90.

[0131] For example, the registration and settlement device 20 displays all buttons as operable on the initial payment method selection screen when paying medical fees. In other words, because it is unknown whether or not a cashless payment rebate is available for the customer in question, the registration and settlement device 20 also makes cashless payment an option. When one of the cashless payment buttons is operated and the payment terminal 205 reads the medium for that cashless payment, the registration and settlement device 20 (payment terminal 205) sends payment request information to the payment server 90. Upon receiving the payment request information, the payment server 90 checks whether or not a rebate is available for the customer in question and the rebate rate. If the confirmation result does not require contacting the customer (for example, in a configuration where a payment method with a rebate is unavailable and the customer does not receive a rebate, in a configuration where a payment method with a rebate rate of more than 1% is unavailable and the customer does not receive a rebate or the rebate rate is 1% or less, in a configuration where a payment method with a rebate rate of more than 1% is reduced to 1% and the customer does not receive a rebate or the rebate rate is 1% or less, or in a configuration where a payment method with a rebate is eliminated and the customer does not receive a rebate), the payment server 90 cooperates with the payment terminal 205 and proceeds with the payment. On the other hand, if the confirmation result requires contacting the customer (for example, in a configuration where a payment method with a rebate is unavailable and the customer does receive a rebate, in a configuration where a payment method with a rebate rate of more than 1% is unavailable and the customer receives a rebate with a rebate rate of more than 1%, in a configuration where a payment method with a rebate rate of more than 1% is reduced to 1% and the customer receives a rebate with a rebate rate of more than 1%, or in a configuration where a payment method with a rebate is eliminated and the customer receives a rebate), the payment server 90 sends the confirmation result to the registration settlement device 20 (payment terminal 205). Upon receiving the confirmation result, the registration and settlement device 20 displays the restricted payment method selection screen again (the payment method selection screen in Figure 5(B) or Figure 6(B), or the payment method selection screen in Figure 6(D), or the payment method selection screen in Figure 6(E)).

[0132] Let me explain with a specific example. In a scenario where a payment method with a rebate is unavailable, if customer a, who does not receive a rebate with credit card A, presses the "Credit A" button for medical expenses on the payment method selection screen and has credit card A read by the payment terminal 205, the payment will proceed to credit card A. However, if customer b or customer c, who do receive a rebate with credit card A, presses the "Credit A" button for medical expenses on the payment method selection screen and has credit card A read by the payment terminal 205, the payment will not proceed to credit card A. Instead, the payment method selection screen with the "Credit A" button disabled (or a payment method selection screen with the "Credit A" button hidden) will be redisplayed.

[0133] If a payment method with a reward rate of more than 1% is unavailable, and customer a has no rewards with credit card A, or customer b has a 1% reward rate with credit card A, and they select the "Credit A" button for medical expenses on the payment method selection screen and have credit card A read by the payment terminal 205, the payment will proceed to credit card A. However, if customer c has a 2% reward rate with credit card A, and they select the "Credit A" button for medical expenses on the payment method selection screen and have credit card A read by the payment terminal 205, the payment will not proceed to credit card A. Instead, the payment method selection screen with the "Credit A" button disabled (or a payment method selection screen with the "Credit A" button hidden) will be redisplayed.

[0134] In the case where the reward rate for a payment method with a reward rate exceeding 1% is reduced to 1%, if customer a, who does not receive any rewards with credit card A, or customer b, who receives a 1% reward with credit card A, selects the "Credit A" button for medical expenses on the payment method selection screen and has credit card A read by the payment terminal 205, the payment will proceed to credit card A. However, if customer c, who receives a 2% reward with credit card A, selects the "Credit A" button for medical expenses on the payment method selection screen and has credit card A read by the payment terminal 205, the payment will not proceed to credit card A. Instead, the payment method selection screen will be redisplayed with a message indicating that the reward rate for credit card A will be reduced to 1% (Message MS15, "★2%→1%"). Alternatively, a small pop-up window may be displayed with a message stating that the reward rate will be reduced to 1%, along with an "OK" button to indicate acceptance of the reduction to 1% (1% reward rate) and an "NG" button to indicate rejection of the reduction to 1%. If the "OK" button is pressed, the payment will proceed to credit card A (with a 1% reward rate). If the "NG" button is pressed, the payment method selection screen may be redisplayed with a message indicating that the reward rate for credit card A will be reduced to 1%. The same applies to cases where a reward is eliminated for a payment method that previously offered a reward.

[0135] (Supplementary information regarding the reduction) The aforementioned "rebate" can be anything that benefits the user. For example, the "rebate" can be in the form of cash or points that can be exchanged for cash or goods. In other words, if a customer pays a medical fee of "3460 yen" using a non-cash payment method with a 1% rebate rate, 1% of 3460 yen is 34 yen (if amounts less than 1 yen are rounded down). The rebate could be either transferred to the customer's account (or deposited into the electronic money account if the non-cash payment was made with electronic money), or points equivalent to 34 yen could be added.

[0136] Furthermore, if the amount spent is related to customer loyalty evaluation (stage, rank), the relationship between the amount spent and the benefits the customer receives based on the evaluation may be considered as "rewards." For example, if a certain credit card offers benefits worth up to 30,000 yen annually to customers who spend more than 1 million yen per year through various incentives such as free services, the reward rate of that credit card may be considered to be 3%.

[0137] In other words, for non-cash payments where the amount spent is related to the evaluation of customer loyalty, it is permissible to either not include the amount spent on medical expenses in the evaluation of customer loyalty, or to not include a portion of the amount spent on medical expenses in the evaluation of customer loyalty.

[0138] (Processing system 3, Processing system 4) The following describes processing systems 3 and 4 shown in Figure 1(B). Alternatively, processing system 3 shown in Figure 1(B) may be used instead of processing system 1 shown in Figure 1(A).

[0139] As shown in Figure 1(B), processing system 3 comprises an accounting counter device 10, a medical department device 11, a management server 15, a registration and settlement device 20, and a settlement server 90. The accounting counter device 10, the medical department device 11, the management server 15, and the registration and settlement device 20 can communicate with each other, for example, via an internal network. The registration and settlement device 20 and the settlement server 90 can communicate with each other via an external network. Processing system 4 is a system consisting of the accounting counter device 10, the medical department device 11, the management server 15, and the registration and settlement device 20 (a configuration of processing system 3 with the settlement server 90 removed).

[0140] As shown in Figure 1(B), processing system 3 (processing system 4) is configured by adding a clinical department device 11 and a management server 15 to processing system 1 (processing system 2) shown in Figure 1(A). Processing system 3 (processing system 4) can be applied to hospitals with a single clinical department, but is more suitable for hospitals with multiple clinical departments (large hospitals).

[0141] The departmental device 11 of processing system 3 is used by the person in charge (for example, the person in charge of the department). The departmental device 11 is, for example, a personal computer. The management server 15 of processing system 3 is a server that manages various information (for example, medical fee billing information). The accounting counter device 10, registration and settlement device 20, and settlement server 90 of processing system 3 are the same as the accounting counter device 10, registration and settlement device 20, and settlement server 90 of processing system 1.

[0142] (Processing method A) Processing mode A of processing system 3 will be explained. The customer submits their medical card 700 to the staff member of the medical department before the examination. After the examination at the medical department is completed, the staff member of the medical department operates the medical department device 11 to input the medical fee billing information for the customer who has finished their examination. In other words, the medical department device 11 generates the medical fee billing information. The medical department device 11 sends the generated medical fee billing information to the management server 15. After inputting the medical fee billing information, the staff member of the medical department returns the medical card 700 to the customer. Alternatively, the staff member may obtain the necessary information from the medical card 700 and return the medical card 700 to the customer before inputting the medical fee billing information. If the customer has an examination in another medical department, they move to that department; otherwise, they move to the accounting counter. If the customer moves to another medical department, they submit their medical card 700 to the staff member of that other medical department. If the customer moves to the accounting counter, they submit their medical card 700 to the staff member at the accounting counter.

[0143] The person in charge at the accounting counter operates the accounting counter device 10 (checking the medical fee billing information for one or more medical departments of the customer stored in the management server 15 and entering the necessary information), returns the patient card 700 to the customer, and guides them to use the registration and settlement device 20. The customer then moves to the registration and settlement device 20.

[0144] A customer who has moved to the registration and settlement device 20 has the registration and settlement device 20 read their medical card 700. The registration and settlement device 20, having read the medical card 700, identifies the customer from the medical card 700 (obtains customer identification information), requests medical billing information for one or more medical departments of that customer from the management server 15, and obtains (receives) the medical billing information for one or more medical departments of that customer from the management server 15. The process is the same as processing mode A of processing system 1 from here on.

[0145] (Processing method B) Processing mode B of processing system 3 will now be explained. The customer submits their medical card 700 to the staff member of the medical department before the examination. After the examination at the medical department is completed, the staff member of the medical department operates the medical department device 11 to input the medical fee billing information for the customer who has finished their examination. In other words, the medical department device 11 generates the medical fee billing information. The medical department device 11 sends the generated medical fee billing information to the management server 15. After inputting the medical fee billing information, the staff member of the medical department returns the medical card 700 to the customer. Alternatively, the staff member may obtain the necessary information from the medical card 700 and return the medical card 700 to the customer before inputting the medical fee billing information. If the customer has an examination in another medical department, they move to that department; otherwise, they move to the accounting counter. If the customer moves to another medical department, they submit their medical card 700 to the staff member of that other medical department. If the customer moves to the accounting counter, they submit their medical card 700 to the staff member at the accounting counter. In other words, the process before reaching the accounting counter is the same as processing mode A of processing system 3.

[0146] The accounting counter staff member operates the accounting counter device 10 (confirming the medical fee billing information for one or more medical departments of the customer stored in the management server 15 and entering the necessary information) to print and issue an invoice / receipt 800 based on the medical fee billing information for one or more medical departments of the customer stored in the management server 15. After issuing the invoice / receipt 800, the accounting counter staff member returns the patient card 700 to the customer, hands over the invoice / receipt 800, and guides the customer to use the registration and settlement device 20. The customer then moves to the registration and settlement device 20. The process from here on is the same as processing mode B of processing system 1.

[0147] (Relationship between medical billing information and customer identification information) While it was explained that medical billing information includes medical fees, co-payment percentages, etc., medical billing information may or may not include customer identification information. If medical billing information does not include customer identification information, it may be stored in association with customer identification information in order to manage the medical billing information of individual customers. For example, in processing system 1, the accounting counter device 10 may store medical billing information in association with customer identification information. In processing system 3, the medical department device 11 transmits medical billing information along with customer identification information to the management server 15, and the management server 15 may store medical billing information in association with customer identification information.

[0148] As described above, the embodiments allow for more favorable implementation of non-cash payments. For example, it is generally considered undesirable for a portion of the payment amount to be refunded when paying for medical expenses covered by insurance. However, processing systems 1 (2) and 3 (4) can be used to favorably restrict the refund of a portion of the payment amount when paying for medical expenses by non-cash payment.

[0149] For example, as shown in Figures 5(B) and 6(B), payment methods that offer a partial refund of the settlement amount (Credit Card A, Credit Card B, Electronic Money B, Code Payment) are prohibited (the "Credit Card A" button, "Credit Card B" button, "Electronic Money B" button, and "Code Payment" button are disabled). As a result, the amount of medical expenses paid will not be refunded, regardless of the refund rate.

[0150] Alternatively, as shown in Figure 6(D), payment methods that refund a portion of the settlement amount but have a refund rate exceeding a predetermined threshold (1%) (credit card A, electronic money B, code payment) are prohibited (the "Credit A" button, "Electronic Money B" button, and "Code Payment" button are disabled). This ensures that the amount of medical expenses paid will not be refunded at a refund rate exceeding the predetermined rate.

[0151] Alternatively, as shown in Figure 6(E), for payment methods that offer a partial refund of the settlement amount, the refund rate is reduced to the predetermined threshold (1%) for payment methods (credit card A, electronic money B, code payment). This ensures that the amount of medical expenses paid will not be refunded at a rate exceeding the predetermined rate. Furthermore, although the refund rate is reduced to the predetermined rate, it will still be possible to pay medical expenses using payment methods with a refund rate exceeding the predetermined rate (expanding the range of payment options).

[0152] Alternatively, as shown in Figure 6(F), settlements using payment methods that offer a partial refund (credit card A, credit card B, electronic money B, code payment) are settled without any refund (the refund rate is reduced to 0%). Regardless of the refund rate, the amount of medical expenses paid will no longer be refunded. However, even though the refund will be eliminated, it will still be possible to pay medical expenses using payment methods that offer a refund (expanding the range of payment options).

[0153] (Variations, etc.) The embodiments have been described above, but the configuration of the equipment, the data configuration, the processing flow, the display and output modes, etc., can be changed as appropriate, for example, as shown in (1) to (16) below. Furthermore, (1) to (16) below can be combined as appropriate.

[0154] (1) In the above embodiment, it was explained that the accounting counter device 10 generates medical fee statements (receipts) and medical expense billing information, but the accounting counter device 10 only needs to generate medical expense billing information. In other words, the accounting counter device 10 only needs to be able to perform processing related to the settlement of the customer's medical expenses (processing of processing mode A or processing mode B).

[0155] In the above embodiment, the accounting counter device 10 generates a medical fee statement in addition to medical fee billing information, so the accounting counter device 10 of the above embodiment may be referred to as, for example, a "receipt computer" or a "receipt device".

[0156] (2) In the above embodiment, an example was described in which the payment method selection screen notifies the user that payment methods that offer rebates as payment for medical expenses are unavailable (message MS13 on the payment method selection screen in Figures 5(B) and 6(B)). However, this notification may be given on other screens instead of or in addition to the payment method selection screen. For example, the initial screen in Figure 4(A) may notify the user that payment methods that offer rebates as payment for medical expenses are unavailable. Alternatively, for example, the initial registration screen or registration screen (for example, the registration screen when medical expenses are registered) may not notify the user that payment methods that offer rebates as payment for medical expenses are unavailable.

[0157] The same applies to notifications regarding payment methods with a reward rate exceeding 1% that cannot be used (Message MS14), notifications regarding payment methods with a reward rate exceeding 1% that will be reduced to 1% (Message MS15), and notifications regarding the elimination of rewards (Message MS16).

[0158] In other words, the message regarding restrictions on payment of medical fees may be displayed at the payment stage (the payment method selection screen in Figures 5(B), 6(B), 6(D), 6(E), and 6(F)), at the start of the operation (the initial screen in Figure 4(A)), or at the registration stage (the initial registration screen and the registration screen).

[0159] (3) In the above embodiment, an example was described in which payment is made in the order of medical fees → goods (Figures 5 and 8), but the order may also be goods → medical fees.

[0160] (4) In the above embodiment, it was explained that the special barcode 801 encodes information indicating that it is a special barcode 801 (a flag indicating that it is a medical fee), the medical fee, the burden ratio, etc. (that is, it was explained that the medical fee, burden ratio, etc. can be obtained from the special barcode 801). However, the special barcode 801 does not have to encode the medical fee or the burden ratio (that is, it is not necessary to obtain the medical fee or burden ratio from the special barcode 801). For example, the special barcode 801 may encode information indicating that it is a special barcode 801 and customer identification information. When the registration and settlement device 20 reads the special barcode 801 (a special barcode 801 that encodes information indicating that it is a special barcode 801 and customer identification information), it identifies the customer from the special barcode 801 (obtains customer identification information), requests the medical fee billing information for the customer from the accounting counter device 10, and obtains (receives) the medical fee billing information for the customer from the accounting counter device 10.

[0161] In processing mode B, it was explained that medical expenses can be registered even if communication between the accounting counter device 10 and the registration settlement device 20 is poor, or even if the accounting counter device 10 and the registration settlement device 20 are not connected in a way that enables communication. However, if the special barcode 801 does not encode the medical expenses or the burden ratio, the registration settlement device 20 needs to receive the medical expenses and the burden ratio from the accounting counter device 10, so the accounting counter device 10 and the registration settlement device 20 need to be connected in a way that enables communication.

[0162] (5) In the above embodiment, in processing mode A where the accounting counter device 10 does not issue an invoice and receipt 800, an example of registering medical expenses using a medical card 700 or a My Number card was described. However, it is not necessary to use a medical card 700 or a My Number card as long as it is possible to register the medical expenses of each customer.

[0163] For example, the accounting counter device 10 does not issue an invoice / receipt 800, but instead issues a medium (medical fee registration slip) printed with a special barcode 801, and the medical fee may be registered using the special barcode 801 on the medical fee registration slip. Alternatively, an IC card containing the same information as the special barcode 801 may be given to the customer, and the medical fee may be registered using the IC card. The IC card may be designed not to be ejected after insertion.

[0164] (6) In the above embodiment, in processing mode B in which the accounting counter device 10 issues an invoice and receipt 800, an example was described in which the medical fees are registered using a special barcode 801 printed on the invoice and receipt 800. However, if it is possible to register the medical fees for each customer, it is not necessary to use the special barcode 801 printed on the invoice and receipt 800.

[0165] For example, the accounting counter device 10 may register medical expenses using a patient ID card 700 or a My Number card instead of printing the special barcode 801 on the invoice / receipt 800 it issues (however, since these have already been issued, the registration and settlement device 20 will not issue the invoice / receipt 800). Alternatively, the accounting counter device 10 may issue an invoice / receipt 800 without the special barcode 801 and a medical expense registration ticket, and register medical expenses using the special barcode 801 on the medical expense registration ticket (however, since these have already been issued, the registration and settlement device 20 will not issue the invoice / receipt 800). Furthermore, the customer may be given an IC card that stores the same information as the special barcode 801, and medical expenses may be registered using this IC card. The IC card may be designed not to be ejected after insertion.

[0166] (7) In the above embodiment, an example was described in which the registration and settlement device 20 can register and settle not only medical fees but also goods. However, the registration and settlement device 20 does not have to be able to register and settle goods. In other words, the registration and settlement device 20 may be a medical fee-only device that registers and settles medical fees.

[0167] If the registration and settlement device 20 is a device dedicated to medical fees, the selection of the payment method may be accepted before the registration of medical fees (before reading the patient card 700 in processing mode A, and before reading the special barcode 801 in processing mode B). For example, the registration and settlement device 20 may display the payment method selection screen after the initial screen (based on the operation of the "Start" button on the initial screen). Alternatively, the registration and settlement device 20 may display the payment method selection screen instead of the initial screen (without displaying the initial screen).

[0168] (8) In the above embodiment, as a specific example of how to perform payment processing for medical expenses when the return rate to the user exceeds a predetermined return rate for payment methods that exceed a predetermined return rate (Figure 6(E)), the registered settlement device 20 sends the payment amount to the settlement server 90 along with information indicating that the payment amount is a medical expense (such as a flag indicating that it is a settlement of medical expenses) when the payment amount is a medical expense, and when the settlement server 90 receives the payment amount along with the information indicating that it is a medical expense, it determines that the payment amount is a payment amount for medical expenses and performs payment processing when the return rate exceeds a predetermined return rate for payment methods that exceed a predetermined return rate is reduced to a predetermined return rate. However, the sending side (registered settlement device 20, etc.) may also perform payment processing when the return rate exceeds a predetermined return rate is reduced to a predetermined return rate based on the device number (terminal identification information) (by sending the payment amount and device number).

[0169] In other words, the registration and settlement device 20 may be a device dedicated to medical fees, as described in (7) above, and the settlement server 90 receives settlement requests (payment amounts) from countless terminals installed in countless locations other than processing systems 2 and 3. The settlement server 90 determines, based on the device number, that the settlement request is from the registration and settlement device 20, which is a device dedicated to medical fees (i.e., that it is a payment amount for medical fees), and may reduce the payment method that exceeds a predetermined return rate to a predetermined return rate and execute the payment processing.

[0170] Regarding medical fees, even in cases where payment methods that provide rebates to users are executed without providing rebates (Figure 6(F)), control may be similarly based on the device number.

[0171] (9) In the above embodiment, as processing mode A of the processing system 1 (Figure 1(A)), an example was described in which the accounting counter device 10 generates medical expense billing information (after the person in charge has entered the medical expense billing information) and then transmits the medical expense billing information (medical expense billing information for one customer) to the registration settlement device 20 in response to a request for medical expense billing information (medical expense billing information for one customer) from the registration settlement device 20. However, when the accounting counter device 10 generates medical expense billing information, it may transmit the medical expense billing information to the registration settlement device 20 without a request from the registration settlement device 20.

[0172] In an operation in which the accounting counter device 10 transmits medical expense billing information to the registration and settlement device 20 without a request from the registration and settlement device 20, the registration and settlement device 20 stores the medical expense billing information for each customer received from the accounting counter device 10. When the registration and settlement device 20 reads a patient ID card 700, it identifies the customer from the patient ID card 700 and registers the customer's medical expenses using the customer's medical expense billing information.

[0173] If the medical fee billing information does not include customer identification information, the accounting counter device 10 transmits the medical fee billing information along with the customer identification information to the registration and settlement device 20. The registration and settlement device 20 stores the medical fee billing information in association with the customer identification information.

[0174] (10) In the above embodiment, as processing mode A of the processing system 1 (Figure 1(A)), an example was described in which medical expense billing information is supplied directly from the accounting counter device 10 to the registration and settlement device 20 (without going through other devices). However, medical expense billing information may also be supplied indirectly from the accounting counter device 10 to the registration and settlement device 20 (through other devices).

[0175] For example, a management server 15 (the management server 15 of processing system 3) may be set up as processing system 1, and medical fee billing information may be supplied from the accounting counter device 10 to the registration and settlement device 20 via the management server 15.

[0176] Specifically, the accounting counter device 10 that generates the medical fee billing information sends the generated medical fee billing information to the management server 15. The management server 15, having received the medical fee billing information from the accounting counter device 10, stores the medical fee billing information. The registration and settlement device 20 that reads the patient card 700 requests the medical fee billing information from the management server 15. In response to the request from the registration and settlement device 20, the management server 15 sends the medical fee billing information to the registration and settlement device 20.

[0177] Alternatively, and also related to (9) above, the management server 15, which has received the medical fee billing information from the accounting counter device 10, may transmit the medical fee billing information received from the accounting counter device 10 to the registration and settlement device 20 without a request from the registration and settlement device 20.

[0178] (11) In the above embodiment, an example was described in which the processing system 3 (Figure 1(B)) uses a clinical department device 11 used by the staff of the clinical department and an accounting counter device 10 used by the staff of the accounting counter. However, a device that combines the functions of the clinical department device 11 and the accounting counter device 10 of the processing system 3 may be installed in the clinical department, and no device may be installed at the accounting counter.

[0179] (12) In the above embodiment, although not explained, the medical fees for multiple medical departments may be handled as follows. (a) In the case of processing method A, the medical expense billing information includes the medical department classification. The medical department classification is information indicating the medical department for which medical expenses were incurred (the medical department subject to registration and settlement). The medical department classification may be information that codes each medical department, for example, "01" for general internal medicine, "02" for gastroenterology, "03" for cardiology, "04" for respiratory medicine, ..., "XX" for orthopedics, or it may be information that codes combination patterns of two or more medical departments, for example, "001" for general internal medicine, "002" for gastroenterology, "051" for general internal medicine + gastroenterology, "052" for general internal medicine + cardiology, "XXX" for general internal medicine + gastroenterology + .... In the former case, the medical expense billing information includes a number of medical department classifications corresponding to the number of medical departments examined. In the latter case, the medical expense billing information includes one medical department classification regardless of the number of medical departments examined. (b) In the case of processing method B (when using special barcode 801), the special barcode 801 shall contain information on the medical department classification. That is, the special barcode 801 shall encode the medical department classification in addition to other information. As mentioned above, the medical department classification may be information that encodes each medical department, or it may be information that encodes combination patterns of two or more medical departments. In the former case, the special barcode 801 shall encode a number of medical department classifications corresponding to the number of medical departments examined. In the latter case, the special barcode 801 shall encode one medical department classification regardless of the number of medical departments examined.

[0180] Customers can register / settle medical fees for multiple departments together, regardless of whether they use processing mode A or processing mode B. In other words, the payment amount display area AR10 on the medical fee payment method selection screen (Figures 5(B), 6(B), 6(D) to 6(F)) will display the total amount of medical fees for multiple departments. Alternatively, the payment amount display area AR10 on the medical fee payment method selection screen may also display the medical fees for each individual department, either in addition to or instead of the total amount of medical fees for multiple departments.

[0181] The invoice and receipt 800 may print not only the total amount of medical fees for multiple medical departments, but also the medical fees for each individual medical department (i.e., a breakdown). In other words, in processing mode A, the registration and settlement device 20 prints the total amount of medical fees for multiple medical departments, as well as the medical fees for each individual medical department, while in processing mode B, the accounting counter device 10 may print not only the total amount of medical fees for multiple medical departments, but also the medical fees for each individual medical department.

[0182] As mentioned above, for hospitals with multiple medical departments, processing system 3 (Figure 1(B)) is preferable.

[0183] (13) In the above embodiments, examples of displaying information regarding the limit on the reward rate have been described (Figures 5(B), 6(B), 6(D) to 6(F)), but in addition to displaying information regarding the limit on the reward rate, information regarding the limit on the reward rate may also be printed on the receipt. In other words, if a non-cash payment with a limited reward rate is made, information regarding the limit on the reward rate may be printed on the receipt. Instead of or in addition to the receipt, information regarding the limit on the reward rate may also be printed on a medium related to the non-cash payment (for example, a credit card receipt if a credit card payment is made, or a medium for checking the balance if an electronic money payment is made).

[0184] In other words, while the above embodiment describes an example in which information regarding the limit on the reward rate is provided to the customer before payment is made, it is also possible to provide information regarding the limit on the reward rate to the customer after payment has been made.

[0185] (14) In the above embodiment, the explanation was given on the premise that insurance applies to the patient who is the customer. However, in the case of a customer to whom insurance does not apply (a person who is not enrolled in health insurance) (in the case where the burden ratio is 100%), it is not necessary to implement [restrictions on non-cash payment of medical expenses] to [other restrictions on non-cash payment of medical expenses 3].

[0186] (15) In the above embodiment, a registration and settlement device 20 which is a fully self-service device has been described, but it may also be applied to other devices.

[0187] For example, it may be applied to a face-to-face semi-self-service device (hereinafter referred to as the registration and payment device 30; not shown). The registration and payment device 30 has a display unit for the store clerk (store clerk-side display unit 310 (not shown)) and a registration unit (store clerk-side scanner unit 312 (not shown)) on one side (store clerk side), and a display unit for the customer (customer-side display unit 303 (not shown)) and a payment unit (payment terminal 305 (not shown), change dispenser 306 (not shown)) on the other side (the customer side opposite the store clerk side).

[0188] The registration and settlement device 30 registers based on the store clerk's operation (for example, by executing the flowchart in Figure 7) and settles the payment based on the customer's operation (by executing the flowchart in Figure 8, or the flowcharts in Figures 9(A) to 9(C)). The registration and settlement device 30 also displays the initial registration screen and registration screen on the store clerk's display unit 310, and the payment method selection screen, etc., on the customer's display unit 303.

[0189] Furthermore, it may also be applied to conventional devices mainly operated by store staff (hereinafter referred to as the registration and settlement device 40; not shown). The registration and settlement device 40 has a display unit for store staff (store staff side display unit 410 (not shown)), a registration unit (store staff side scanner unit 412 (not shown)), a change dispenser 406 (not shown), etc. on one side (store staff side), and a display unit for customers (customer side display unit 403 (not shown)), a payment terminal 405 (not shown), etc. on the other side (the customer side opposite to the store staff side).

[0190] The registration and settlement device 40 registers and settles transactions based on the store clerk's operations (the customer operates the payment terminal 405). The registration and settlement device 40 also displays the initial registration screen, registration screen, payment method selection screen, etc., on the store clerk's display unit 410.

[0191] Furthermore, the settlement portion of the registration settlement device 20 may be applied to a self-service settlement device (hereinafter referred to as settlement device 50; not shown). The settlement device 50, for example, receives registration information from a registration device operated by a store employee and performs the settlement process. The registration device and the settlement device 50 constitute a so-called semi-self-service system.

[0192] The payment device 50 processes the payment based on the customer's operation (executing the flowchart in Figure 8, or the flowcharts in Figures 9(A) to 9(C)). The payment device 50 also displays a payment method selection screen, etc., on the customer-side display unit 503 (not shown).

[0193] (16) Some or all of the functions (input / output, storage, processing (including judgment)) in each device (for example, accounting counter device 10, medical department device 11, management server 15, registration and settlement device 20, registration and settlement device 30, registration and settlement device 40, settlement device 50, etc.) may be implemented in other devices different from the device described as the entity that executes the function. For example, each device may function as a so-called thin client specialized in input / output interfaces, etc.

[0194] For example, a cloud server (not shown) may execute a program to control the operation of each device, and each device may display a screen using a browsing function. For instance, some or all of the decisions in steps S5, S10, S14, S17, and S19 of the flowcharts in Figures 7 and 8 may be executed by the cloud server. Also, the registration in steps S2 and S4 of Figure 7 may be executed by the cloud server (or stored on the cloud server). Furthermore, the selection in step S11 of Figure 8 and step S11A of Figure 9(A) may be executed by the cloud server. In short, the operations shown in the flowcharts in Figures 7, 8, and 9(A) to 9(C) may be implemented by programs on the side of each device (e.g., the registration and settlement device 20), or some of the operations may be implemented by programs on the server side.

[0195] <Summary of Embodiments> [Technical field] This invention relates to a settlement device and a program. [Background technology] Self-checkout terminals that allow non-cash payments such as credit cards are known (see, for example, Patent Document 1). [Prior art document] [Patent] [Patent Document 1] Japanese Unexamined Patent Publication No. 2010-257485 [Overview of the prefecture] [Problems the invention aims to solve] However, non-cash payments require improvement in response to changes in circumstances and the environment (related to the diversification and complexity of non-cash payments, or the expansion of situations in which they are used). This invention has been made in view of these circumstances, and its purpose is to provide a technology for more favorably implementing non-cash payments. [Means for solving the problem]

[0196] (1) One embodiment for solving the above-mentioned problems is a settlement device (for example, a registered settlement device 20, a registered settlement device 30, a registered settlement device 40, a settlement device 50) capable of settling medical expenses, characterized by comprising a settlement means that settles according to a settlement method selected by the operator (a settlement method selected on the payment method selection screen), and a restriction means that restricts the settlement of medical expenses to which insurance applies by the settlement means. According to the configuration of (1), settlement can be carried out more favorably. For example, non-cash settlement can be implemented so that a portion of the medical fee payment is not refunded.

[0197] (2) The limiting means is the settlement device according to (1), characterized in that it prohibits settlement by a settlement method that returns a portion of the settlement amount (see, for example, Figure 8 and Figure 5(B)). According to the configuration of (2), settlement can be carried out more favorably. For example, non-cash settlement can be carried out so that the amount of medical expenses paid is not refunded, regardless of the amount of the refund rate.

[0198] (3) The limiting means is a settlement device according to (2) characterized in that it prohibits settlements using settlement methods in which a portion of the settlement amount is refunded, and the refund rate exceeds a predetermined threshold (see, for example, Figures 9(A) and 6(D)). According to the configuration of (3), settlement can be carried out more favorably. For example, non-cash settlement can be carried out so that the amount of medical expenses paid is not reimbursed at a reimbursement rate exceeding a predetermined reimbursement rate.

[0199] (4) The limiting means is a settlement device according to (1), characterized in that, for settlements using a settlement method that returns a portion of the settlement amount, the return rate is reduced to a predetermined threshold for settlements where the return rate exceeds a predetermined threshold (see, for example, Figures 9(B) and 6(E)). According to the configuration of (4), non-cash payments can be implemented more favorably. For example, non-cash payments can be implemented so that the amount of medical expenses paid is not refunded, regardless of the refund rate. In addition, although the refund rate is reduced to a predetermined rate, it becomes possible to pay medical expenses using a settlement method with a refund rate exceeding the predetermined rate.

[0200] (5) The limiting means is a settlement device according to (1) characterized in that it settles settlements using a settlement method that returns a portion of the settlement amount without returning any portion (see, for example, Figures 9(C) and 6(F)). According to the configuration of (5), non-cash payments can be implemented more favorably. For example, non-cash payments can be implemented so that the amount of medical expenses paid is not reimbursed, regardless of the amount of the reimbursement rate. In addition, although the reimbursement is eliminated, it is still possible to pay medical expenses using a settlement method that includes a reimbursement.

[0201] (6) The settlement device according to any one of claims 1 to 5, characterized in that it is provided with a display means for displaying the content of the restrictions imposed by the restricting means (see, for example, Figures 5(B), 6(D), 6(E), and 6(F)). According to the configuration of (6), non-cash payments can be implemented more favorably. For example, the restrictions can be made known to customers.

[0202] (7) One embodiment for solving the above-mentioned problems is a program for causing a computer to function as a settlement device capable of settling medical expenses, characterized in that the computer functions as a settlement means for settling according to a settlement method selected by the operator, and as a restricting means for restricting the settlement of medical expenses to which insurance applies by the settlement means. According to the configuration of (7), non-cash payments can be more preferably implemented, similar to (1) above.

[0203] Furthermore, the processing of each of the above-described devices (accounting counter device 10, medical department device 11, management server 15, registration and settlement device 20, registration and settlement device 30, registration and settlement device 40, settlement device 50, etc.) may be performed by recording the program for realizing the functions of each device on a computer-readable recording medium, loading the program recorded on this recording medium into a computer system, and executing it. Here, "loading the program recorded on the recording medium into a computer system and executing it" includes installing the program into the computer system. Here, "computer system" includes hardware such as the OS and peripheral devices. Also, "computer system" may include multiple computer devices connected via a network including communication lines such as the Internet, WAN, LAN, and dedicated lines. Also, "computer-readable recording medium" refers to portable media such as flexible disks, magneto-optical disks, ROMs, CD-ROMs, and storage devices such as hard disks built into the computer system. Thus, the recording medium storing the program may also be a non-transient recording medium such as a CD-ROM. Also, the recording medium includes internal or external recording media that can be accessed from a distribution server for distributing the program. The program code stored on the distribution server's recording medium may be different from the program code in an executable format on the terminal device. In other words, as long as it can be downloaded from the distribution server and installed in an executable format on the terminal device, the format in which it is stored on the distribution server is irrelevant. Furthermore, the program may be divided into multiple parts, downloaded at different times and then combined on the terminal device, and each of the divided programs may be distributed by a different distribution server. In addition, "computer-readable recording medium" includes volatile memory (RAM) within computer systems that act as servers or clients when a program is transmitted over a network, which retains the program for a certain period of time. Moreover, the above program may be intended to implement only a part of the functions described above.Furthermore, the above-mentioned functions may be realized in combination with programs already recorded in the computer system, such as so-called differential files (differential programs). [Explanation of Symbols]

[0204] 1-4…Processing system, 10…Accounting counter device, 11…Medical department device, 15…Management server, 20…Registration and settlement device, 30…Registration and settlement device, 40…Registration and settlement device, 50…Settlement device, 90…Payment server

Claims

1. A payment device capable of settling medical fees, A settlement method that settles the payment according to the settlement method selected by the operator, Restrictive means that restrict the settlement of medical expenses covered by insurance using the aforementioned settlement means, A payment processing device characterized by being equipped with the following features.

2. The aforementioned restricting means is The settlement device according to claim 1, characterized in that it prohibits settlement by a settlement method that returns a portion of the settlement amount.

3. The aforementioned restricting means is The settlement device according to claim 2, characterized in that it prohibits settlements using settlement methods in which a portion of the settlement amount is refunded, provided that the refund rate exceeds a predetermined threshold.

4. The aforementioned restricting means is The settlement device according to claim 1, characterized in that, for settlements using a settlement method that returns a portion of the settlement amount, the return rate is reduced to a predetermined threshold for settlements where the return rate exceeds a predetermined threshold.

5. The aforementioned restricting means is The settlement device according to claim 1, characterized in that it settles without returning a portion of the settlement amount in a settlement method that returns a portion of the settlement amount.

6. Display means for displaying the content of the restrictions imposed by the aforementioned restricting means A settlement device according to any one of claims 1 to 5, characterized by comprising the above.

7. A program to make a computer function as a payment system capable of settling medical fees, The aforementioned computer, A settlement method that settles the payment according to the settlement method selected by the operator. Restrictive means that limit the settlement of medical expenses covered by insurance using the aforementioned settlement means. A program characterized by being designed to function as such.

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