Payment device, payment method, and payment program

Abstract

To provide a settlement device, a settlement method, and a settlement program, which can more simply perform settlement processing corresponding to the type of card used for settlement.SOLUTION: A settlement device includes: a type identification section that identifies a card type to be used; a reader / writer corresponding to each card type; and a settlement processing section that determines whether or not a card is a discount target according to the contents of the card read when performing processing of electronic money, reads card data after changing an amount of money if it is the discount target, inputs the amount of money into the card, outputs a card processing completion sound, and performs settlement processing.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present disclosure relates to a payment device, a payment method, and a payment program. [Background technology]

[0002] Currently, there are three types of credit card standards in circulation in Japan. One of the credit card standards is the magnetic stripe card, which has been used since credit card payments first began to be marketed. In addition, contact IC (Integrated Circuit) cards that comply with the international EMV (Europay, MasterCard, VISA protocol) standard, which began to be introduced in the early 2000s to prevent counterfeiting and fraudulent use of magnetic stripe cards, are also used. In addition, contactless IC cards that comply with the EMV standard, which have been introduced in recent years, have been used to improve operability for cardholders and card durability.

[0003] Due to the timing of market introduction of each standard and limitations of the implementation functions of payment devices, the three types of credit card standards have been introduced in a state where payment devices can only support one type of standard. For example, POS (Point Of Sale) systems are equipped with magnetic card readers, so magnetic cards have been processed by the POS system. However, there are also cases where POS users who want to handle contactless IC cards also use a separate terminal to process contactless IC cards because the POS is not equipped with a contactless reader / writer.

[0004] However, considering the future increase in credit card payment processing for travelers from overseas, it is desirable to support all three standards, since cards of each of the three standards are in circulation overseas. Furthermore, considering the response at stores, it is also desirable to improve the operability of credit card payment processing. Patent Document 1 discloses technology related to a card processing device that can process payments according to the type of card inserted through one insertion slot. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] JP 2020-135431 A Summary of the Invention [Problem to be solved by the invention]

[0006] According to the technology disclosed in Patent Document 1, it is possible to determine the type of card that is read when performing payment processing. However, when an in-store discount is applied, the order of the card input process and the amount change process may differ depending on the type of card used in the payment process. According to the technology disclosed in Patent Document 1, the operability is not good, as the store clerk operating the payment device must confirm with the customer, who is the cardholder, what type of card they will use to make the payment.

[0007] The present disclosure has been made to solve such problems, and aims to provide a payment device, a payment method, and a payment program that can more easily perform payment processing according to the type of card used for payment. [Means for solving the problem]

[0008] The payment device of the present disclosure comprises a type identification unit that identifies the type of card to be used, a reader / writer corresponding to each card type, and a payment processing unit that, when processing a contact IC card or a contactless IC card, determines whether the card is eligible for a discount based on the contents of the card read, and if the card is eligible for a discount, changes the amount and returns to the beginning of the payment process, and repeats the process of inputting the amount into the card.

[0009] In the payment method disclosed herein, when processing a contact IC card or contactless IC card, the contents of the card that is read are used to determine whether or not the card is eligible for a discount, and if so, the amount is changed and the process returns to the beginning of the payment process, where it is repeated from the process of entering the amount into the card.

[0010] The payment program in the present disclosure causes a computer to execute the payment method. Effect of the Invention

[0011] According to the present disclosure, it is possible to provide a payment device, a payment method, and a payment program that can more easily perform payment processing according to the type of card used for payment. [Brief description of the drawings]

[0012] [Figure 1] 1 is a configuration diagram of a payment device 1 according to a first embodiment of the present disclosure. [Diagram 2] 2 is a flow diagram of a sales process performed by the payment device 1 according to the first embodiment of the present disclosure. FIG. [Diagram 3] FIG. 11 is a configuration diagram of a payment device 10 according to a second embodiment of the present disclosure. [Figure 4] FIG. 11 is a flow diagram of a sales process performed by the payment device 10 according to the second embodiment of the present disclosure. [Diagram 5] FIG. 11 is a flow diagram of a sales process performed by the payment device 10 according to the third embodiment of the present disclosure. [Figure 6] FIG. 11 is a flow diagram of a sales process performed by a related settlement device. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0013] Hereinafter, the embodiments will be described with reference to the drawings. Note that the drawings are simplified, and the technical scope of the embodiments should not be interpreted narrowly based on the description in the drawings. Also, the same elements are given the same reference numerals, and duplicated explanations will be omitted.

[0014] <Embodiment 1> The configuration of a payment device 1 in this embodiment will be described with reference to FIG. The payment device 1 includes a type identification unit 2, a reader / writer 3, and a payment processing unit 4.

[0015] The type identification unit 2 identifies the type of card to be used from among a contactless IC card, a contact IC card, and a magnetic card. Each card is read by a reader / writer 3 corresponding to the type of card. When processing a contactless IC card or a contact IC card, the payment processing unit 4 determines whether or not the card is eligible for a discount based on the content of the card read by the reader / writer 3, and if it is eligible for a discount, changes the amount and returns to the beginning of the payment process, where it is repeated from the process of inputting the amount into the card.

[0016] <Description of sales processing performed by the settlement device in this embodiment> Here, the flow of sales processing performed by the settlement device 1 in this embodiment will be described with reference to FIG. Once the product information has been entered and the amount to be paid has been provisionally confirmed, the device will enter a card waiting state (step 01).

[0017] When the contactless IC card is held up to the contactless IC card reader / writer (step 10), the process transitions to contactless IC card processing (step 11). The amount is entered onto the card (step 12), the card information is read (step 13), and if the amount is subject to the in-store discount and has not yet been changed (YES in step 14), the amount is changed (step 15), and the confirmed amount is entered again onto the card (step 12). If the amount is not subject to the in-store discount and has not yet been changed (NO in step 14), the process transitions to payment processing (step 16).

[0018] When the contact IC card is inserted into the contact card reader / writer (step 20), the process transitions to contact IC card processing (step 21). The amount is entered into the card (step 22), the card information is read (step 23), and if the amount is subject to the in-store discount and has not yet been changed (YES in step 24), the amount is changed (step 25), and the confirmed amount is entered again into the card (step 22). If the amount is not subject to the in-store discount and has not yet been changed (NO in step 24), the process transitions to payment processing (step 26).

[0019] When the magnetic card is swiped by the magnetic card reader (step 30), the process transitions to magnetic card processing (step 31). The card information is read (step 32), and if the card is eligible for the in-store discount (YES in step 33), the amount is changed (step 34), and the process transitions to payment processing (step 35). If the card is not eligible for the in-store discount (NO in step 33), the process transitions directly to payment processing (step 35).

[0020] According to the payment device 1 of this embodiment, payment processing according to the type of card used for payment can be more easily performed.

[0021] <Embodiment 2> The configuration of the settlement device 10 in this embodiment will be described with reference to FIG. The payment device 10 includes a payment method selection unit 11, a card information reading unit 12, an amount calculation unit 13, an authentication unit 14, and a payment processing unit 15. The payment device 10 is not limited to these functions and can include various functions such as a control unit and a storage unit (not shown).

[0022] When making a payment, the payment method selection unit 11 first selects which payment method to use by pressing a button. Payment methods include cash payment, credit card payment, prepaid payment, point payment, and other payment methods, and in this embodiment, it is assumed that credit card payment (credit card payment) is selected. Credit card payment includes contactless IC card payment, contact IC card payment, and magnetic card payment. When the credit card button is selected as a payment method, the card wait state is entered. The payment method selection unit 11 can also select a payment method. Payment methods include lump sum payment, installment payment, bonus payment, and other payment methods.

[0023] The card information reading unit 12 is composed of a reader / writer corresponding to each type of card. The card information reading unit 12 includes a non-contact IC card reader / writer unit, a contact IC card reader / writer unit, and a magnetic card reader unit. The non-contact IC card reader / writer unit reads non-contact IC cards. The contact IC card reader / writer unit reads contact IC cards. The magnetic card reader unit reads magnetic data from the magnetic stripe unit of a magnetic card. The card information reading unit 12 may also include an insertion slot for inserting a contact IC card. In this case, when a card is inserted into the insertion slot, the card information reading unit 12 can read information from the IC unit of the card using the card reader.

[0024] The card information reading unit 12 identifies the type of card to be used among a non-contact IC card, a contact IC card, and a magnetic card. When the card information is read, the card information reading unit 12 transitions to a process corresponding to the respective card payment method. When the card information reading unit 12 reads the card information, it obtains the card number from the read card data. The card information reading unit 12 may include an operation unit that allows the customer to input authentication information such as a PIN number.

[0025] If the card is eligible for a store discount, the amount calculation unit 13 changes the amount calculated in advance and inputs the calculated amount to the card. If the card is eligible for a store discount, the amount is changed and the payment process based on the EMV standard is performed again from the beginning. When processing a contact IC card or a contactless IC card, the amount calculation unit 13 determines whether the card is eligible for a discount based on the contents of the card read by the reader / writer, and if so, changes the amount. After changing the amount, the process returns to the beginning of the payment process and the amount is input to the card. Whether the card is eligible for a discount is determined based on the identification information stored in the card to be processed. Note that the amount before the amount change is input to the amount calculation unit 13 before determining whether the card to be processed is eligible for a discount. This is because card data cannot be read or the card number cannot be obtained unless a tentative amount is input.

[0026] The authentication unit 14 authenticates the identity of the card user. The authentication method is to input a PIN (Personal Identification Number) code as a personal identification number, but is not limited to this and various other methods may be used. Two types of identity authentication can be used in contact IC card processing: offline PIN authentication and online PIN authentication. In offline PIN authentication, the input PIN code (personal identification number) is authenticated by a program stored on the card when the PIN code is input. In online PIN authentication, the input PIN code (personal identification number) is authenticated by the card company at the time of online authorization.

[0027] The authentication unit 14 performs authentication by comparing the input PIN with the data stored in the contact IC card read by the card information reading unit 12. The authentication unit 14 transmits the read information such as the price of the product, the data in the IC credit card, and the number of payments to an external device such as the computer of the corresponding card company to inquire whether payment is possible. Hereinafter, this inquiry is referred to as online authorization. The authentication unit 14 confirms whether payment has been made or not by performing online authorization based on the transaction information stored in the IC card. The authentication unit 14 inputs the confirmation result, etc. into the card.

[0028] The payment processing unit 15 performs payment processing according to the card. The payment processing in contact IC card processing includes determining whether the payment is successful or not when online authorization is not performed. The determination of whether the payment is successful or not is made by a program installed in the card based on the transaction information.

[0029] The settlement process refers to a payment made by exchanging electronic data, rather than cash, when paying for a product or service. For example, settlement made by exchanging a credit card number (identification number) and various information associated therewith with an external device is included in the settlement process. The settlement processing unit 15 inputs the settlement amount into the card and sounds a card processing completion sound. When the type identified by the card information reading unit 12 is a contactless IC card, the settlement processing unit 15 performs a process of selecting a payment category after the contactless IC card is held up to the reader / writer, and outputs a card processing completion sound when the process according to the payment category is completed. The settlement processing unit 15 also performs processes related to settlement, such as creating sales data and tally data, and printing receipts. The settlement processing unit 15 may include a printer that stores roll paper as a recording medium inside and prints documents such as receipts.

[0030] <Description of sales processing performed by the settlement device in this embodiment> Here, the flow of sales processing performed by the settlement device 10 in this embodiment will be described with reference to FIG. The initial state is when product information has been completely entered and the amount to be paid has been provisionally confirmed (step 010). There are various payment methods, including cash payment, credit card payment, prepaid payment, points payment, and other payment methods, but it is assumed here that credit card payment (credit card payment) has been selected. Credit card payment includes contactless IC card payment, contact IC card payment, and magnetic card payment, but there is only one integrated credit card payment button for credit card payment (step 011). When the credit card payment button is selected, the system enters a card waiting state (step 012).

[0031] When a contactless IC card is held over a contactless IC card reader / writer (step 100), the process transitions to contactless IC card processing (step 101). When a contactless IC card is held over a contactless IC card reader / writer equipped in the payment device, payment processing based on the EMV standard begins. The amount is entered into the card (step 102), the card data is read (step 103), and the card number is obtained from the read card data (step 104). If the card is eligible for an in-store discount and the amount has not yet been changed (YES in step 105), the amount is changed (step 106), and the confirmed amount is entered again into the card (step 102). In other words, if the card is eligible for an in-store discount, the amount is changed and payment processing based on the EMV standard is carried out again from the beginning.

[0032] If the conditions that the card is eligible for the in-store discount and the amount has not yet been changed are not met (NO in step 105), the payment methods selectable according to the contract with the card company are displayed (step 107), and the payment method (lump sum payment, installment payment, bonus payment, etc.) is selected (step 108). If a lump sum payment is selected (YES in step 109), a sound is sounded indicating completion of card processing (step 114), and the payment process creates sales data / aggregated data, prints a receipt, etc. (step 115).

[0033] If the payment is not a lump sum payment (NO in step 109), the system again waits for the card (step 110), and when the contactless IC card is held up (step 111), online authorization is performed based on the transaction information (step 112). The system also checks whether the payment has been successful or not, inputs the confirmation result, etc. to the card (step 113), and sounds a card processing completion sound (step 114). Then, in the payment process, sales data / aggregated data is created, a receipt is printed, etc. (step 115). In other words, in the processing of the contactless IC card, the card processing completion sound is not sounded after the card data is read, but rather, after the card number is obtained, a determination is made as to whether a store discount is available and a payment method is selected, and when the processing according to the selected payment method is completed, the card processing completion sound is sounded and the payment process is performed.

[0034] When a contact IC card is inserted into a contact card reader / writer (step 200), the process transitions to contact IC card processing (step 201). When a contact IC card is inserted into a contact IC card reader / writer equipped in the payment device, payment processing based on the EMV standard begins. The amount is input to the card (step 202), the card data is read (step 203), and the card number is obtained from the read card data (step 204). If the card is eligible for an in-store discount and the amount has not yet been changed (YES in step 205), the amount is changed (step 206), and the confirmed amount is re-entered into the card (step 202). In other words, if the card is eligible for an in-store discount, the amount is changed and payment processing based on the EMV standard is carried out again from the beginning.

[0035] If the conditions that the card is eligible for the in-store discount and the amount has not yet been changed are not met (NO in step 205), the payment methods selectable according to the details of the contract with the card company are displayed (step 207), and the payment method (lump sum payment, installment payment, bonus payment, etc.) is selected (step 208). The identity authentication method depends on the card, and if identity authentication is by PIN, the PIN is entered here (step 209).

[0036] It is determined whether online or offline payment is to be performed (step 210). If offline payment is to be performed (NO in step 211), a card processing completion sound is sounded (step 214), and the payment process creates sales data / total data, prints a receipt, etc. (step 215). If online payment is to be performed (YES in step 211), online authorization is performed based on the transaction information (step 212). Also, the success / failure of the payment is confirmed, and the confirmation result, etc. are entered into the card (step 213), and a card processing completion sound is sounded (step 214). If offline payment is to be performed (NO in step 211), online authorization is not performed, and a card processing completion sound is sounded (step 214). Then, the payment process creates sales data / total data, prints a receipt, etc. (step 215).

[0037] When the magnetic card is swiped by the magnetic card reader (step 300), the process transitions to magnetic card processing (step 301). When the magnetic card is swiped by the magnetic card reader equipped in the settlement device, the magnetic data is read (step 302), and the card number is obtained from the read magnetic data (step 303). If the card is eligible for in-store discounts (YES in step 304), the amount is changed (step 305), and the payment methods available based on the contract with the card company are displayed (step 306), and the payment method (lump sum payment, installment payment, bonus payment, etc.) is selected (step 307).

[0038] If the card is not eligible for the in-store discount (NO in step 304), the payment methods available based on the contract with the card company are displayed (step 306), and the user selects a payment method (lump sum payment, installment payment, bonus payment, etc.) (step 307). Online authorization is then performed based on this transaction information (step 308), and the successful / unsuccessful settlement is confirmed. Then, the payment process creates sales data / aggregated data, prints receipts, etc. (step 309).

[0039] According to the payment device 10 of this embodiment, payment processing according to the type of card used for credit card payment, such as a contactless IC card, a contact IC card, or a magnetic card, can be more easily performed.

[0040] <Embodiment 3> The configuration of the payment device 10 in this embodiment is similar to that of the second embodiment shown in FIG. The non-contact IC reader / writer unit of the card information reading unit 12 reads electronic money (non-contact IC card) in addition to credit cards (non-contact IC cards). The other components are the same as those of the payment device 10 in the second embodiment, and therefore detailed description thereof will be omitted.

[0041] <Description of sales processing performed by the settlement device in this embodiment> Here, the flow of sales processing performed by the settlement device 10 in this embodiment will be described with reference to FIG. The payment device 10 in this embodiment is a form in which electronic money (contactless IC card) is added to the payment methods of the payment device 10 in embodiment 2, that is, credit (contactless IC card), credit (contact IC card), and credit (magnetic card). The button used for selection is a single button (card payment button) that combines these four. The processing related to credit card (contactless IC), credit card (contact IC), and credit card (magnetic) is similar to that of the payment device 10 in embodiment 2, and therefore detailed description will be omitted.

[0042] In the initial state, the amount to be paid is provisionally determined (step 010). When the card payment button is selected in the settlement device 10 (step 011), the device goes into a card waiting state (step 012).

[0043] When electronic money is held up to a contactless IC card reader / writer (step 400), the process transitions to electronic money card processing (step 401). If the card is eligible for a store discount (YES in step 402), the amount is changed (step 403), the card data is read (step 404), the amount is entered into the card (step 405), and a sound is generated indicating completion of card processing (step 406). If the card is not eligible for a store discount (NO in step 402), the amount is not changed, the card data is read (step 404), the amount is entered into the card (step 405), and a sound is generated indicating completion of card processing (step 406). Then, the process creates sales data / aggregated data, prints receipts, etc. in the payment process (step 407).

[0044] According to the payment device 10 of the present embodiment, payment processing according to the type of card used for payment, including electronic money, can be more easily performed.

[0045] <Related payment devices> The configuration of the related payment device differs from that of the payment device 10 of the third embodiment in that it is provided with buttons for selecting which card to use as a payment method (a credit (contactless IC) button, a credit (contact IC) button, a credit (magnetic) button, and an electronic money (contactless IC) button). The rest of the configuration is the same as that of the payment device 10 of the third embodiment (FIG. 3), so detailed description will be omitted.

[0046] <Description of sales processing performed by related payment devices> Here, the flow of sales processing performed by the related settlement device will be described with reference to FIG. The initial state is when the input of product information has been completed and the amount to be paid has been provisionally determined (step 010). When performing payment processing on the related payment device, the user first selects which card to use by pressing a button (credit (contactless IC) button, credit (contact IC) button, credit (magnetic) button, or electronic money (contactless IC) button) (step 011).

[0047] When the credit (contactless IC) button is selected (step 150), the clerk first judges whether the card is eligible for the in-store discount (step 151), and if so (YES in step 151), the amount is changed (step 152). If the card is not eligible for the in-store discount (NO in step 151), the amount is not changed. Next, the clerk confirms with the customer (card holder) the desired payment method (step 153) and selects the payment method (step 154). After that, the system enters a card waiting state (step 155), and when the contactless IC card is held up to the contactless IC card reader / writer equipped in the settlement device (step 156), settlement processing based on the EMV standard is started. The amount is entered into the card (step 157), the card data is read (step 158), and a sound is sounded to indicate completion of the card processing (step 159), and the customer is informed that the card may be removed from the settlement device. The card number is obtained from the read card data (step 160).

[0048] If payment is made in one lump sum (YES in step 161), the payment process creates sales data / total data, prints a receipt, etc. (step 167). If payment is not made in one lump sum (NO in step 161), the system waits for the card again (step 162), and when the contactless IC card is held up (step 163), online authorization is performed based on the transaction information (step 164). The system also checks whether the payment has been successful or not, inputs the confirmation result, etc. into the card (step 165), and sounds a sound indicating the completion of card processing (step 166). Then, the payment process creates sales data / total data, prints a receipt, etc. (step 167).

[0049] When the credit (contact IC) button is selected (step 250), the clerk first judges whether the card is eligible for the in-store discount (step 251), and if so (YES in step 251), the amount is changed (step 252). If the card is not eligible for the in-store discount (NO in step 251), the amount is not changed. After that, the system enters a card waiting state (step 253), and when the contact IC card is inserted into the contact IC card reader / writer equipped in the settlement device (step 254), settlement processing based on the EMV standard is started. The amount is entered into the card (step 255), the card data is read (step 256), and the card number is obtained from the read card data (step 257). The payment methods selectable according to the contract with the card company are displayed (step 258), and the payment method is selected (step 259).

[0050] The identity authentication method depends on the card, and in the case of identity authentication by PIN, the PIN is entered here (step 260). It is determined whether online or offline payment is to be performed (step 261), and if online payment is to be performed (YES in step 262), online authorization is performed based on the transaction information (step 263). In addition, the success / failure of the payment is confirmed, and the confirmation result, etc. are input to the card (step 264), and a sound is sounded to indicate completion of card processing (step 265). In the case of offline payment (NO in step 262), online authorization is not performed, and a sound is sounded to indicate completion of card processing (step 265). Then, in the payment process, sales data / aggregated data is created, a receipt is printed, etc. (step 266).

[0051] When the credit (magnetic) button is selected (step 350), the system enters a card waiting state (step 351). When the magnetic card is swiped on the magnetic card reader of the settlement device (step 352), the magnetic data is read (step 353), and the card number is obtained from the magnetic data (step 354). If the card is eligible for the in-store discount (YES in step 355), the amount is changed (step 356). If the card is not eligible for the in-store discount (NO in step 355), the amount is not changed. The payment methods that can be selected according to the contract with the card company are displayed (step 357), and the payment method is selected (step 358). Then, online authorization is performed based on the transaction information (step 359), and the settlement / non-settlement of the settlement is confirmed. Then, the settlement process creates sales data / aggregated data, prints receipts, etc. (step 360).

[0052] When the electronic money (contactless IC) button is selected (step 450), the clerk first judges whether the card is eligible for the in-store discount (step 451), and if so (YES in step 451), the amount is changed (step 452). If the card is not eligible for the in-store discount (NO in step 451), the amount is not changed. After that, the device enters a card waiting state (step 453), and when electronic money is held up to the card reader / writer equipped in the payment device (step 454), payment processing based on a predetermined guideline for payment using electronic money is started. The card data is read (step 455), the amount is entered into the card (step 456), and a sound is sounded indicating completion of card processing (step 457). Then, the payment processing involves creating sales data / aggregated data, printing receipts, etc. (step 458).

[0053] <Differences between the settlement device of this embodiment and related settlement devices> The difference between the processing of the payment device of this embodiment and related payment devices is that, when processing a contact IC card, the payment device of this embodiment changes the amount if the card is eligible for a store discount, and performs the payment processing based on the EMV standard again from the beginning. Also, when processing a contactless IC card, the payment device does not sound a card processing completion sound after reading the card data, but instead selects a store discount and payment after obtaining the card number, and sounds a card processing completion sound when the processing according to the selected payment content is completed. These are the differences from the processing of related payment devices.

[0054] Therefore, according to the payment device of this embodiment, the store clerk who operates the payment device does not need to confirm with the customer which payment method he / she will use before the customer inputs his / her card information, improving operability. Also, when a non-contact IC card is used and a lump-sum payment method is selected, there is no need to hold the card up twice, and the operation only requires holding the card up once. According to the payment device of this embodiment, the operability of the payment process using three types of credit cards (non-contact IC, contact IC, magnetic) and electronic money (non-contact IC) is unified, eliminating the need to select a payment method or input instructions.

[0055] More specifically, the payment device of this embodiment can solve two problems caused by payment practices unique to Japan, as described below.

[0056] The first challenge is choosing a payment method. Payment methods include lump sum payment, installment payment, bonus payment, bonus combined payment, and revolving payment. There is a difference in the order of card input and payment selection between the three types of credit card standards. For magnetic cards and contact IC cards, payment selection is made after card input. For contactless IC cards, in the case of lump sum payment, it is an offline payment, that is, the payment is decided by the card and the payment device whether the payment is successful or not. For payments other than lump sum payment, it is an online payment, that is, online authorization is performed and the payment is confirmed with the card company whether the payment is successful or not. When it is an online payment, authorization information needs to be entered on the card, so the card is swiped again. For this reason, the specification is such that payment selection is made before card input.

[0057] In this respect, the settlement device of this embodiment solves the problem that the payment method is selected before holding up the card because the processing is different between lump-sum payment and other than lump-sum payment with a contactless card. The settlement device of this embodiment selects the payment method after holding up the card, and sounds a card processing completion sound when the processing according to the selection is completed, thereby preventing the card from being removed before the card processing is completed, and standardizes the lump-sum payment and the processing other than the lump-sum payment. Even if a payment other than lump-sum payment is selected, the card processing completion sound will sound after the online payment processing is completed, so the payment is completed with one hold. This allows the payment selection after card input to be performed even in the case of a contactless card.

[0058] The second benefit is that in-store discounts are given according to the card. There is a difference in the order of inputting the card number and changing the amount between the three types of credit card standards. With magnetic cards, the amount is changed after the card number is input. This is because by inputting the card, the card number can be read from the card and it can be determined whether the card is eligible for a discount. However, with contact IC cards and contactless IC cards, the payment process is based on the EMV standard and the amount is required before the card number is read, so before inputting the card number, the store clerk determines whether the card is eligible for a discount and inputs the discount.

[0059] In this respect, the settlement device of this embodiment solves the problem that the amount is required before reading the card number of the contact IC card and the contactless IC card in the in-store discount process according to the card. The settlement device of this embodiment is configured to perform the settlement process based on the EMV standard again from the beginning when an in-store discount occurs, so that the amount can be changed after the card is input.

[0060] According to the payment device of this embodiment, payment processing according to the type of card used for payment can be more easily performed.

[0061] <Other embodiments> The payment device in the present disclosure includes, for example, an embodiment as a payment method. That is, the payment method in the present disclosure is a payment method in which the type of card to be used is identified from among a contactless IC card, a contact IC card, and a magnetic card, and when processing a contactless IC card or a contact IC card, whether or not the card is eligible for a discount is determined based on the content of the card read by a reader / writer, and if the card is eligible for a discount, the amount is changed, and the process returns to the beginning of the payment process, and the process of inputting the amount into the card is performed again.

[0062] The payment method may be embodied as a program that runs on a computer. A payment program in the present disclosure is a program that causes a computer to execute the payment method.

[0063] In the above example, the program can be stored and provided to the computer using various types of non-transitory computer readable media. The non-transitory computer readable media include various types of tangible storage media. The non-transitory computer readable media include, for example, magnetic recording media, optical magnetic recording media, CD-ROM (Read Only Memory), CD-R, CD-R / W, and semiconductor memory. The semiconductor memory is, for example, a mask ROM, PROM (Programmable ROM), EPROM, flash ROM, RAM (Random Access Memory), etc. The program may also be provided to the computer by various types of transitory computer readable media. Examples of the transitory computer readable medium include an electric signal, an optical signal, and an electromagnetic wave. The transitory computer readable medium can provide the program to the computer via a wired communication path such as an electric wire and an optical fiber, or a wireless communication path.

[0064] The present disclosure is not limited to the above-described embodiment, and can be modified as appropriate without departing from the spirit and scope of the present disclosure. [Explanation of symbols]

[0065] 1,10 Payment device 2 type identification unit, 3 reader / writer, 4 payment processing unit 11 payment method selection unit, 12 card information reading unit, 13 amount calculation unit, 14 authentication unit, 15 payment processing unit

Claims

1. A payment method executed by a payment device, comprising: When processing electronic money, Based on the contents of the card that was read, it is determined whether the card is eligible for a discount, If you qualify for a discount, change the amount and then read the card data. The amount is entered into the card, a sound is output indicating completion of the card transaction, and then the payment is processed. Payment method.

2. a type identification unit for identifying a type of card to be used; A reader / writer that supports each card type, A payment processing unit that executes the payment method according to claim 1; A payment device comprising:

3. The type identification unit is A single integrated button for selecting payment methods; The payment device according to claim 2.

4. A payment program that causes a payment device to execute the payment method described in claim 1.

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