Transaction processing device and program

Abstract

To provide a transaction processor that does not hold information necessary to process data received from a multi settlement server in the form of a data table.SOLUTION: A transaction processor enables cashless settlement of transactions in cooperation with a settlement server. The transaction processor includes notification means, detection means, editing means, and output means. The notification means notifies a settlement server of a payment amount of transaction and information on the settlement brand. The detection means detects brand information and message data included in payment result data returned from the settlement server that is notified by the notification means. The editing means edits output data with the brand information and the message data detected by the detection means. The output means outputs the output data edited by the editing means.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] An embodiment of the present invention relates to a transaction processing device and a program for causing a computer to function as a transaction processing device. [Background technology]

[0002] In recent years, there has been an increasing demand for cashless payments, such as credit cards, electronic money, and code payments, as payment methods for transactions between consumers and stores, such as the sale of goods or the provision of services. Accordingly, many companies have entered the cashless payment business and launched payment brands (e.g., PayPay (registered trademark), auPAY (registered trademark), etc.), and consumers can select their desired payment brand from multiple brands and use it for cashless payments. Therefore, stores believe that being able to accept a variety of payment brands will lead to improved customer service.

[0003] To address this issue, multi-payment servers that support cashless payments for multiple payment brands have been put into practical use. A store's transaction processing device, such as a POS (Point of Sales) terminal, can link with an external multi-payment server to enable cashless payments for the payment brand selected by the customer. However, in order for the transaction processing device to link with the multi-payment server, it must retain the information necessary to process the data received from the multi-payment server. The transaction processing device retains this information in the form of a data table. Therefore, when a new payment brand enters the market or the specifications of the multi-payment server change, maintenance of the data table may be necessary. Because maintenance requires time and effort in stores with many transaction processing devices, a transaction processing device that does not retain the information necessary to process the data received from the multi-payment server in the form of a data table is desired. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent Publication No. 2021-174103 Summary of the Invention [Problem to be solved by the invention]

[0005] The problem to be solved by the embodiments of the present invention is to provide a transaction processing device that does not store information required to process data received from a multi-payment server in the form of a data table. [Means for solving the problem]

[0006] In one embodiment, the transaction processing device cooperates with a payment server to enable cashless payment of transactions. The transaction processing device includes a notification means, a detection means, an editing means, an output means, and , acquisition means, and distribution means The notification means notifies the payment server of the payment amount of the transaction and information on the payment brand. The detection means detects the payment result data returned from the payment server that has received the notification from the notification means. Has an identifier set for each payment brand The brand information and message data are detected. The editing means edits the output data using the brand information and message data detected by the detecting means. The output means outputs the output data edited by the editing means. If the payment result data indicates an error, the acquisition means acquires whether the error is minor or major. The allocation means allocates processing after data output by the output means depending on whether the error is minor or major acquired by the acquisition means. The notification means further notifies information regarding the format of the output data. The message data included in the payment result data conforms to the format. [Brief explanation of the drawings]

[0007] [Figure 1] FIG. 1 is a schematic diagram of a cashless payment system according to this embodiment. [Figure 2] FIG. 2 is a block diagram showing the main circuit configuration of a POS terminal, which is a transaction processing device. [Figure 3] FIG. 3 is a flowchart showing the main steps of the information processing executed by the processor. [Figure 4] FIG. 4 is a flowchart showing the main steps of the information processing executed by the processor. [Figure 5] FIG. 5 is a schematic diagram showing the structure of payment data. [Figure 6] FIG. 6 is a schematic diagram showing the structure of payment result data. [Figure 7] FIG. 7 shows an example of a payment completion screen when the display message data is intended for a store clerk. [Figure 8] FIG. 8 shows an example of a payment completion screen when the display message data is intended for a customer. [Figure 9] FIG. 9 is an example of a printed main part of a transaction receipt. [Figure 10] FIG. 10 shows an example of a payment error screen. [Figure 11] FIG. 11 shows an example of a printed main part of an error receipt. DETAILED DESCRIPTION OF THE INVENTION

[0008] Hereinafter, an embodiment of a transaction processing apparatus will be described with reference to the drawings. In this embodiment, a point-of-sale (POS) terminal that processes cashless payments in cooperation with a multi-payment server that supports code payments for multiple payment brands is used as the transaction processing device. Code payments are of the customer-presented store scan type, whereby payment is made by reading a barcode or two-dimensional code for code payments displayed on an information terminal such as a smartphone owned by a consumer with a scanner in the transaction processing device.

[0009] [Explanation of the cashless payment system] FIG. 1 is a schematic diagram of a cashless payment system 100 according to this embodiment. The cashless payment system 100 includes a plurality of POS terminals 10, a multi-payment server 20, and a payment server 30 for each payment brand. The plurality of POS terminals 10 and the multi-payment server 20 are interconnected via a first communication network 40. The multi-payment server 20 and the payment server 30 for each payment brand are interconnected via a second communication network 50. The first communication network 40 is a network suitable for data communication between the POS terminals 10 and the multi-payment server 20. For example, the Internet is used as the first communication network 40. The second communication network 50 is a network suitable for data communication between the multi-payment server 20 and the payment server 30 for each payment brand. For example, an intranet is used as the second communication network 50. The first communication network 40 and the second communication network 50 may be the same network.

[0010] The POS terminal 10 is an example of a transaction processing device that processes payments arising from transactions between a store that sells products or provides services to customers and the customer. The POS terminal 10 works in conjunction with a multi-payment server 20 to enable code payments for multiple payment brands. The POS terminal 10 is installed in a store. The POS terminal 10 may be a face-to-face POS terminal in which a store clerk can act as an operator, or a full-self-service POS terminal or semi-self-service cash register in which the customer can act as an operator.

[0011] The multi-payment server 20 is a server system capable of processing code payments for multiple payment brands. Specifically, the multi-payment server 20 processes code payments for the payment brands corresponding to multiple payment servers 30 connected to the second communication network 50. The multi-payment server 20 is managed, for example, by a business entity that provides code payment agency services to affiliated stores. In other words, the multi-payment server 20 is positioned as an external server from the perspective of the store's POS terminal 10. The multi-payment server 20 is typically a cloud-based server system. The multi-payment server 20 may also be a non-cloud-based server system.

[0012] The payment server 30 for each payment brand is a server system specialized for processing code payments for that payment brand. The payment server 30 processes code payments for that payment brand based on data provided by the multi-payment server 20. The payment server 30 may also process code payments for that payment brand based on data provided from a POS terminal, smartphone, etc. The payment server 30 is typically a cloud-based server system. The payment server 30 may also be a non-cloud-based server system.

[0013] [Configuration of transaction processing device (POS terminal 10)] Fig. 2 is a block diagram showing the main circuit configuration of the POS terminal 10. As mentioned above, the POS terminal 10 may be a face-to-face POS terminal, a full-self-service POS terminal, or a semi-self-service accounting machine. Fig. 2 shows the main circuit configuration common to face-to-face POS terminals, full-self-service POS terminals, and semi-self-service accounting machines.

[0014] 2, the POS terminal 10 includes a processor 61, a main memory 62, an auxiliary storage device 63, a clock 64, a communication unit 65, a change dispenser interface 66, a scanner 67, a touch panel 68, a printer 69, a reader / writer 70, and a system transmission path 71. The system transmission path 71 includes an address bus, a data bus, a control signal line, etc. The system transmission path 71 connects the processor 61 to each of the other components directly or via a signal input / output circuit, and transmits data signals exchanged between them.

[0015] The POS terminal 10 constitutes a computer by connecting a processor 61, a main memory 62, an auxiliary storage device 63, a clock 64, and a communication unit 65 via a system transmission path 71. The POS terminal 10 also connects device interfaces or devices such as a change machine interface 66, a scanner 67, a touch panel 68, a printer 69, and a reader / writer 70 to the computer via the system transmission path 71.

[0016] The processor 61 corresponds to the central part of the computer. The processor 61 controls each part to realize various functions of the POS terminal 10 in accordance with an operating system or an application program. The processor 61 is, for example, a CPU (Central Processing Unit).

[0017] The main memory 62 corresponds to the main storage portion of the computer. The main memory 62 includes a nonvolatile memory area and a volatile memory area. The main memory 62 stores an operating system or application programs in the nonvolatile memory area. The main memory 62 may store data required for the processor 61 to execute processes for controlling each part in either the nonvolatile or volatile memory area. The main memory 62 uses the volatile memory area as a work area where data is rewritten by the processor 61 as appropriate. The nonvolatile memory area is, for example, ROM (Read Only Memory). The volatile memory area is, for example, RAM (Random Access Memory).

[0018] The auxiliary storage device 63 corresponds to the auxiliary storage portion of the computer. For example, an EEPROM (Electric Erasable Programmable Read-Only Memory), an HDD (Hard Disk Drive), or an SSD (Solid State Drive) can be the auxiliary storage device 63. The auxiliary storage device 63 stores data used by the processor 61 when performing various processes, data created by the processes in the processor 61, etc. The auxiliary storage device 63 may also store the above-mentioned application programs.

[0019] The clock 64 keeps track of the date and time. The processor 61 processes the date and time kept by the clock 64 as the current date and time.

[0020] The communication unit 65 performs data communication with the multi-payment server 20 connected via the first communication network 40. The communication unit 65 can also perform data communication with other servers connected via the first communication network 40, such as a store server, a headquarters server, a credit card payment server, an electronic money payment server, etc.

[0021] The change machine interface 66 constitutes an interface with an automatic change machine (not shown). The change machine interface 66 inputs amount data of coins inserted into the automatic change machine from the automatic change machine. The change machine interface 66 outputs change data from the POS terminal 10 to the automatic change machine. Having input the change data, the automatic change machine automatically dispenses coins equivalent to the change data as change.

[0022] The scanner 67 is an input device for reading code symbols such as barcodes, two-dimensional codes, etc. The scanner 67 may be of a type that reads code symbols by scanning with laser light, or may be of a type that reads code symbols from images captured by an imaging device.

[0023] The touch panel 68 is a device that combines an input device and a display device. The touch panel 68 displays information to the store clerk or customer who is the operator of the POS terminal 10, and accepts operational inputs from the store clerk or customer.

[0024] The printer 69 is a printing device for printing various types of character strings or images on receipt paper. The POS terminal 10 issues receipts printed by the printer 69. Receipts include transaction receipts printed with information about a transaction that occurred between a customer and a store, such as the sale of a product or the provision of a service, and error receipts printed with information about an error that occurred during the processing of that transaction. This type of printer 69 can be, for example, a thermal printer or a dot-matrix printer.

[0025] The reader / writer 70 has the function of reading data recorded on a medium such as a card or smartphone, and the function of writing data to the medium. Cards may include payment cards such as credit cards, debit cards, electronic money cards, and prepaid cards, as well as membership cards such as member's cards and point cards. The reader / writer 70 may be a magnetic, contact, or contactless device, or may include multiple types of devices.

[0026] The POS terminal 10 configured as described above has the functions of a notification means 611, a detection means 612, an editing means 613, an output means 614, an acquisition means 615 and a distribution means 616 in order to work in cooperation with the multi-payment server 20 to enable code payments for multiple payment brands.

[0027] The notification means 611 is a function that notifies the payment amount of the transaction and information on the payment brand to the multi-payment server 20. The information on the payment brand can be obtained by using the scanner 67 to read the barcode or two-dimensional code for code payment displayed on the smartphone or the like of the customer who uses that payment brand.

[0028] The detection means 612 has a function to detect brand information and message data contained in the payment result data returned from the multi-payment server 20 upon receiving notification from the notification means 611. The brand information includes the brand ID, brand name, brand logo, etc. set for each payment brand. If the payment result data indicates a successful completion, the message data is data of a message notifying the store clerk or customer that the payment has been completed. If the payment result data indicates an abnormal completion, the message data is data of a message notifying the store clerk or customer that an error has occurred.

[0029] The editing means 613 is a function that edits the output data using the brand information and message data detected by the detection means 612. Specifically, the editing means 613 incorporates the brand information and message data directly into the format of the display output data or the format of the print output data, and edits the display or print output data.

[0030] The output means 614 has a function of outputting the output data edited by the editing means 613 to a display device or a printing device. This output means 614 displays an image including the brand information and message data on the touch panel 68. Alternatively, the image including the brand information and message data is printed on receipt paper by the printer 69. Note that the image displayed on the touch panel 68 and the image printed on receipt paper do not necessarily have to be the same image. Furthermore, the print output data may be sent and output to an electronic receipt server as electronic receipt data rather than being output to a printing device.

[0031] The acquisition means 615 has a function to acquire the severity of the error, i.e., whether the error that caused the abnormal termination was minor or major, when the payment result data indicates an abnormal termination indicating an error. A minor error is an error that the customer can simply retry the payment operation and does not require the intervention of a store clerk. Examples of such errors include when a barcode or two-dimensional code other than the barcode or two-dimensional code for code payment is read, or when the balance is insufficient. A major error is an error where the payment is incomplete and the customer cannot determine whether the payment was completed or failed, requiring the intervention of a store clerk. The allocation means 616 has a function to allocate processing after data output by the output means 614 depending on the severity of the error acquired by the acquisition means 615. The allocation of processing will be explained in the operation explanation below.

[0032] The functions of the notification means 611, detection means 612, editing means 613, output means 614, acquisition means 615, and allocation means 616 described above are all realized by information processing executed by the processor 61 in accordance with a transaction processing program. The transaction processing program is a type of application program stored in the main memory 62 or the auxiliary storage device 63. There are no particular limitations on the method for installing the transaction processing program in the main memory 62 or the auxiliary storage device 63. The transaction processing program can be recorded on a removable recording medium, or can be distributed via communication over a network and installed in the main memory 62 or the auxiliary storage device 63. The recording medium may be in any form, such as a CD-ROM or memory card, as long as it can store a program and is readable by the device.

[0033] [Operation of transaction processing device (POS terminal 10)] 3 and 4 are flow charts showing the main steps of information processing executed by the processor 61 in accordance with the transaction processing program. Below, the main steps of information processing executed by the processor 61 of the POS terminal 10 in accordance with this flow chart and the operation of the POS terminal 10 accompanying this information processing will be explained. Note that the information processing steps explained below are just an example. The steps or processing contents can be changed as appropriate as long as the same effect can be achieved.

[0034] The processor 61 of the POS terminal 10 accepts input of transaction data as ACT1 in Fig. 3. In the case of a transaction between a customer and a store through the sale of a product, the transaction data includes a product code identifying the product purchased by the customer, the number of units sold of the product, the sales price, etc. In the case of a transaction between a customer and a store through the provision of a service, the transaction data includes a code indicating the type of service provided by the store to the customer, and the fee collected by the store from the customer for the provision of the service, etc.

[0035] When the input of the transaction data is accepted, the processor 61 accepts the selection of a payment method in ACT2. For example, the processor 61 displays a payment method selection screen on the touch panel 68. The payment method selection screen is a screen that accepts the selection of one payment method from, for example, cash payment, credit card payment, electronic money payment, and code payment. The operator of the POS terminal 10 selects the payment method to be used for settling the transaction. Incidentally, the operator is generally a store clerk in the case of a face-to-face POS terminal, and generally a customer in the case of a full-self-service POS terminal or a semi-self-service cash register.

[0036] When the selection of the payment method is accepted, the processor 61 confirms the selected payment method in ACT 3. If a payment method other than code payment is selected, the processor 61 proceeds to NO in ACT 3. The processor 61 executes payment processing according to the selected payment method. Since the payment processing in this case is well known, a detailed description thereof will be omitted here.

[0037] On the other hand, if code payment is selected as the payment method, the processor 61 proceeds to YES in ACT 3. The processor 61 accepts the reading of the barcode or two-dimensional code for code payment in ACT 4. The operator performs an operation to read the barcode or two-dimensional code for code payment displayed on the customer's smartphone or the like with the scanner 67.

[0038] When the scanner 67 reads the barcode or two-dimensional code for code payment, the processor 61 creates payment data 81 (see Figure 5) for code payment as ACT5.

[0039] 5 is a schematic diagram showing the structure of payment data 81. As shown in the figure, payment data 81 includes a payment amount, payment code information, model classification, and format data. Payment data 81 may also include data items other than the payment amount, payment code information, model classification, and format data.

[0040] The payment amount is the price of the transaction paid using code payment. The payment code information is the barcode or two-dimensional code data for code payment read by the scanner 67. This barcode or two-dimensional code data contains at least the brand ID of the payment brand.

[0041] The model category is information that identifies whether the POS terminal 10 is a face-to-face POS terminal, a full-self-service POS terminal, or a semi-self-service accounting machine. In this embodiment, the model category that indicates a face-to-face POS terminal is "1," the model category that indicates a full-self-service POS terminal is "2," and the model category that indicates a semi-self-service accounting machine is "3."

[0042] The format data is data related to the format of text displayed on the touch panel 68. That is, the format data includes the font type and size, as well as the maximum number of characters that can be displayed on one line using that font type and size.

[0043] Returning to the explanation of Figure 3. When the payment data 81 is created, the processor 61 controls the communication unit 65 to transmit the payment data 81 to the multi-payment server 20 as ACT6. By this control, the payment data 81 is transmitted to the multi-payment server 20 via the first communication network 40. Here, the processor 61 realizes the function of notification means 611 by executing the processes of ACT4 to ACT6.

[0044] Now, the multi-payment server 20 that receives the payment data 81 from the POS terminal 10 operates as follows. First, the multi-payment server 20 analyzes the payment code information included in the payment data 81 to detect the brand ID that identifies the payment brand for code payment. The multi-payment server 20 communicates with the payment server 30 of the payment brand identified by the brand ID and determines whether code payment is possible for the payment amount included in the payment data 81. The multi-payment server 20 returns payment result data 82 (see Figure 6) indicating the result of the determination to the POS terminal 10 that sent the payment data.

[0045] 6 is a schematic diagram showing the structure of payment result data 82. As shown in the figure, payment result data 82 includes payment result category, payment amount, brand ID, brand name, brand logo, display message category, display message data, printed message category, printed message data, error code, and error category. Payment result data 82 may also include data on items other than payment result category, payment amount, brand ID, brand name, brand logo, display message category, display message data, printed message category, printed message data, error code, and error category.

[0046] The payment result category is information that identifies whether the code payment was completed successfully or not. In this embodiment, the payment result category indicating a successful completion is set to "0", and the payment result category indicating an unsuccessful completion, i.e., an abnormal completion, is set to "1".

[0047] The payment amount included in the payment data 81 is included in the payment result data 82 as is.

[0048] The brand ID, brand name, and brand logo are the brand ID of the payment brand obtained from the payment code information of the payment data 81, and the brand name and brand logo identified from the brand ID. The brand name and brand logo for each brand ID may be preset in the multi-payment server 20, or may be obtained from the payment server 30 identified by the brand ID.

[0049] The display message category is information that identifies whether the display message data is message data intended for a store clerk or a customer. If the model category of the payment data 81 indicates a face-to-face POS terminal, i.e., if the operator is assumed to be a store clerk, the display message category is intended for the store clerk. If the model category of the payment data 81 indicates a full-self-service POS terminal or a semi-self-service cash register, i.e., if the operator is assumed to be a customer, the display message category is intended for the customer. In this embodiment, the display message category indicating a display message intended for a store clerk is set to "0," and the display message category indicating a display message intended for a customer is set to "1."

[0050] The display message data is text data that notifies the operator of the POS terminal 10 of the payment result. The display message data is created according to the format data of the payment data 81. That is, the display message data is composed of text data in the font type and size specified by the format data. Furthermore, the display message data is text data with line breaks inserted at appropriate positions so as not to exceed the maximum number of characters per line specified by the format data.

[0051] The print message category is information that identifies whether the print message data is message data for a store clerk or a customer. If the payment result is normal, that is, if a transaction receipt for the customer is issued from the POS terminal 10, the print message category is for the customer. If the payment result is abnormal, that is, if an error receipt for the store clerk is issued from the POS terminal 10, the print message category is for the store clerk. In this embodiment, the print message category indicating a message for a store clerk is set to "0", and the print message category indicating a message for a customer is set to "1".

[0052] The print message data is a string of characters that is printed on the receipt issued according to the payment result. The print message data is created according to the format data of the payment data 81. In other words, the print message data is composed of text data in the font type and size specified by the format data.

[0053] The error code is a code that identifies the type of error that occurred when the payment result is an abnormal termination. Error types include minor errors and serious errors. In this embodiment, a two-digit consecutive number starting from "01" is assigned as the error code for each error type. Note that for payment result data 82 when the payment result is normal termination, the error code is set to "00."

[0054] The error category is information that indicates the severity of the error that caused the payment result to be abnormal. In this embodiment, the error category is "1" for a minor error and "2" for a serious error. Note that the error category for payment result data 82 in cases where the payment result was successful is set to "0."

[0055] Returning to the explanation of Figure 3. The processor 61 of the POS terminal 10 that sent the payment data 81 waits for payment result data 82 in ACT 7. When the communication unit 65 receives the payment result data 82 returned from the multi-payment server 20, the processor 61 proceeds to YES in ACT 7. The processor 61 checks whether the payment result is normal or abnormal in ACT 8.

[0056] If the payment result classification included in the payment result data 82 indicates normal completion, the processor 61 proceeds to YES in ACT 8. The processor 61 edits a payment completion screen in ACT 9. Then, the processor 61 causes the touch panel 68 to display the payment completion screen in ACT 10.

[0057] FIG. 7 shows an example of a payment completion screen 91 when the display message category included in the payment result data 82 is “0,” i.e., when the display message data is intended for a store clerk. As shown, the payment completion screen 91 displays the brand name, payment amount, and a message for the store clerk in accordance with a preset display output data format. In the example of FIG. 7, the payment completion screen 91 displays “Brand X” as the brand name at the top, “1,000 yen” as the payment amount at the center, and “Payment completed successfully” as a message for the store clerk at the bottom. Here, the brand name “Brand X” is displayed as is on the payment completion screen 91, as included in the payment result data 82. The payment amount “1,000 yen” is displayed as is on the payment completion screen 91, as included in the payment result data 82. The message “Payment completed successfully” is displayed as is on the payment completion screen 91, as included in the payment result data 82. The message “Payment completed successfully” does not exceed the maximum number of characters per line specified by the format data, so no line breaks are inserted.

[0058] FIG. 8 shows an example of a payment completion screen 92 when the display message category included in the payment result data 82 is "1," i.e., when the display message data is for the customer. As shown, the payment completion screen 92 displays the brand name, payment amount, and a message for the customer according to a preset display output data format. In the example of FIG. 8, the payment completion screen 92 displays "Brand X" as the brand name at the top, "1,000 yen" as the payment amount in the center, and "Thank you for your purchase" as a message for the customer at the bottom. Here, the brand name "Brand X" is displayed as is on the payment completion screen 92, as included in the payment result data 82. The payment amount "1,000 yen" is displayed as is on the payment completion screen 92, as included in the payment result data 82. The message "Thank you for your purchase" is displayed as is on the payment completion screen 92, as included in the payment result data 82. Incidentally, the message "Thank you for your purchase" exceeds the maximum number of characters per line specified by the format data, so a line break is inserted at the specified position, i.e., after "Thank you for your purchase." Therefore, the first line of the message will be "Thank you for your purchase," and the second line will be "Thank you," making it easier for the customer, who is the operator, to understand the meaning of the message.

[0059] In this way, processor 61 detects the brand name, payment amount, and display message data from payment result data 82. Processor 61 then edits payment completion screen 91 or payment completion screen 92 using the brand name, payment amount, and display message data, and outputs the display data for payment completion screen 91 or payment completion screen 92 to touch panel 68.

[0060] Here, the processor 61 realizes the functions of a detection means 612, an editing means 613 and an output means 614 by executing the processes of ACT9 and ACT10.

[0061] Returning to the explanation of Figure 3. The processor 61 of the POS terminal 10 that has displayed the payment completion screen 92 edits a transaction receipt in ACT 11. Then, the processor 61 drives the printer 69 to control the printing and issuance of the transaction receipt in ACT 12. Thus, once the transaction receipt is issued, the processor 61 ends the information processing for the transaction data input and accepted in ACT 1.

[0062] Figure 9 is an example of a printed main portion of a transaction receipt 93. As shown in the figure, the transaction receipt 93 prints, following the transaction details and total amount, the payment amount for the code payment, "1,000 yen," and the brand name for that code payment, "Brand X," in accordance with a preset print output data format. The payment amount, "1,000 yen," is printed exactly as it is in the payment result data 82 on the transaction receipt 93. The brand name, "Brand X," is printed exactly as it is in the payment result data 82 on the transaction receipt 93.

[0063] In this way, processor 61 detects the brand name and payment amount from payment result data 82. Processor 61 then edits print data for transaction receipt 93 using the brand name and payment amount, and outputs this print data to printer 69.

[0064] Here, the processor 61 realizes the functions of a detection means 612, an editing means 613, and an output means 614 by executing the processes of ACT11 and ACT12.

[0065] On the other hand, if the payment result classification included in the payment result data 82 indicates an abnormal termination, the processor 61 proceeds to NO in ACT 8. The processor 61 edits a payment error screen in ACT 21 of Fig. 4. Then, the processor 61 displays the payment error screen on the touch panel 68 in ACT 22.

[0066] FIG. 10 shows an example of a payment error screen 94. As shown, the payment error screen 94 displays an error code and an error message according to a preset display output data format. In the example of FIG. 10, the brand name "Brand X" is displayed at the top of the payment error screen 94, the error code "9999" is displayed in the center, and the error message "Payment failed due to XXX error" is displayed at the bottom. The brand name "Brand X" is displayed as is on the payment error screen 94, as included in the payment result data 82. The error code "9999" is displayed as is on the payment error screen 94, as included in the payment result data 82. The message "Payment failed due to XXX error" is displayed as is on the payment error screen 94, as included in the payment result data 82. Because the message "Payment failed due to XXX error" exceeds the maximum number of characters per line specified by the format data, a line break is inserted at a predetermined position, i.e., after "Due to XXX error." Therefore, the first line of the message will be "Due to XXX error" and the second line will be "Payment failed," making the meaning of the message easy to understand for store clerks viewing the payment error screen 94.

[0067] In this way, processor 61 detects the brand name, error code, and display message data from payment result data 82. Processor 61 then edits payment error screen 94 using the brand name, error code, and display message data, and outputs the display data for payment error screen 94 to touch panel 68.

[0068] Here, the processor 61 realizes the functions of a detection means 612, an editing means 613, and an output means 614 by executing the processes of ACT21 and ACT22.

[0069] Returning to the explanation of Figure 4. The processor 61 of the POS terminal 10 that has displayed the payment error screen 94 edits an error receipt in ACT 23. Then, in ACT 24, the processor 61 drives the printer 69 to control the printing and issuance of the error receipt.

[0070] Figure 11 is an example of a printed portion of an error receipt 95. As shown in the figure, the error receipt 95 has the code payment brand name "Brand X" and the message "Payment could not be made due to an XXX error" printed after the transaction details and total amount, according to a preset print output data format. The brand name "Brand X" is the brand name included in the payment result data 82, printed as is on the error receipt 95. The message "Payment could not be made due to an XXX error" is the printed message data included in the payment result data 82, printed as is on the error receipt 95.

[0071] In this way, processor 61 detects the brand name and the printed error message from payment result data 82. Processor 61 then edits the print data for error receipt 95 using the brand name and the printed error message, and outputs this print data to printer 69.

[0072] Here, the processor 61 realizes the functions of a detection means 612, an editing means 613, and an output means 614 by executing the processes of ACT23 and ACT24.

[0073] When an error receipt is issued, processor 61 identifies whether the error is a major error or a minor error in ACT 25. That is, processor 61 recognizes it as a minor error if the error category included in payment result data 82 is "1." Processor 61 recognizes it as a major error if the error category is "2."

[0074] If the error is minor, the processor 61 proceeds to NO in ACT 25. The processor 61 returns to ACT 2 in Fig. 3 and accepts reselection of the payment method. For example, the processor 61 waits for a payment method other than code payment to be selected.

[0075] On the other hand, if the error is serious, the processor 61 proceeds to YES in ACT25. The processor 61 checks the display message category included in the payment result data 82 in ACT26. If the display message category is "0", that is, the display message data is for the store clerk, the processor 61 proceeds to YES in ACT26. The processor 61 returns to ACT2 in Figure 3 and accepts reselection of the payment method. For example, the processor 61 waits for a payment method other than code payment to be selected.

[0076] On the other hand, if the display message classification is "1", that is, if the display message data is for a customer, the processor 61 proceeds to NO in ACT26. The processor 61 executes a store clerk call process in ACT27. For example, the processor 61 outputs a call signal to an attendant terminal for store clerks or a face-to-face POS terminal that is connected online to the POS terminal 10. The processor 61 may also sound a buzzer or turn on a lamp to notify the store clerk that there is a call. Incidentally, the store clerk who receives the call will go to the location where the POS terminal 10 is installed. Then, the store clerk will check, for example, the payment error screen 94 and the error receipt 95 to understand the content of the error and take action to resolve the error.

[0077] After performing the store clerk call process, the processor 61 ends the information processing for the transaction data input and accepted in ACT1.

[0078] Here, the processor 61 performs the processes of ACT25 to ACT27, thereby realizing the functions of the acquisition means 615 and the allocation means 616. That is, the processor 61 allocates the processing after the data output by the output means 614 to the processing of ACT2 if the error acquired by the acquisition means 615 is a minor error, and allocates it to the processing of ACT26 and ACT27 if the error is a serious error.

[0079] [Explanation of the effects of the transaction processing device (POS terminal 10)] As described above in detail, when code payment is selected as the payment method for a transaction between a consumer and a store, such as the sale of a product or the provision of a service, the POS terminal 10 transmits payment data 81 to the multi-payment server 20 and notifies the multi-payment server 20 of the payment amount of the transaction and information on the payment brand. In response to this notification, the multi-payment server 20 returns payment result data 82, and the POS terminal 10 detects brand information, display message data, etc. from the payment result data 82. The POS terminal 10 then uses the detected data to edit display data for a payment completion screen 91, a payment completion screen 92, or a payment error screen 94, and outputs it to the touch panel 68. Similarly, the POS terminal 10 detects brand information, print message data, etc. from the payment result data 82. The POS terminal 10 then uses the detected data to edit print data for a transaction receipt 93 or an error receipt 95, and outputs it to the printer 69.

[0080] In this way, the POS terminal 10 directly uses the data received from the multi-payment server 20, and therefore does not need to have a data table for storing information necessary to process the data received from the multi-payment server 20. Therefore, when a new payment brand enters the market or the specifications of the multi-payment server 20 are changed, the maintenance work of the data table, which was previously necessary, is no longer necessary, and the time and effort required for this work can be saved.

[0081] [Variations] In the above embodiment, store-scan type code payment was exemplified as an example of cashless payment. Cashless payment may also be user-scan type code payment, in which a customer scans a barcode or two-dimensional code presented by a store using an information terminal such as a smartphone. Furthermore, if the multi-payment server supports electronic money or credit card payments for multiple payment brands, cashless payment may also be electronic money or credit card payment. In either case, the POS terminal 10 may be configured to process cashless payment using the information contained in the payment result data received from the multi-payment server as is, thereby eliminating the need for a data table and achieving the same effects as the embodiment.

[0082] In the above embodiment, the payment result data received from the multi-payment server includes the brand ID, brand name, and brand logo as brand information. Therefore, in the above embodiment, even if the brand logo is displayed or printed out instead of the brand name, the brand logo in the brand information can be used as is.

[0083] Furthermore, even when the POS terminal 10 aggregates, for example, the number of transactions, transaction amount, etc. for each payment brand, the POS terminal 10 can use the brand ID of the brand information detected from the payment result data as identification information for the payment brand used in the transaction.

[0084] Although several embodiments of the present invention have been described, these embodiments are presented as examples and are not intended to limit the scope of the invention. These novel embodiments can be embodied in various other forms, and various omissions, substitutions, and modifications can be made without departing from the spirit of the invention. These embodiments and their modifications are included within the scope of the invention and the scope of the inventions and their equivalents as defined in the claims. The following is a summary of the scope of claims as originally filed in this application. [C1] A transaction processing device that enables cashless transaction settlement in cooperation with a payment server, a notification means for notifying the payment server of the payment amount of the transaction and information on the payment brand; a detection means for detecting brand information and message data included in payment result data returned from the payment server that has received the notification from the notification means; editing means for editing output data using the brand information and message data detected by the detecting means; an output means for outputting the output data edited by the editing means; A transaction processing device comprising: [C2] the notification means further notifies information regarding a format of the output data; The transaction processing device according to C1, wherein message data included in the payment result data conforms to the format. [C3] the notification means further notifies information identifying the model of the transaction processing device; The transaction processing device according to C1, wherein message data included in the payment result data is compatible with the model. [C4] an acquiring means for acquiring the degree of the error when the payment result data indicates an error; a distribution unit that distributes processing after the data is output by the output unit according to the degree of the error acquired by the acquisition unit; The transaction processing device of any one of C1 to C3, further comprising: [C5] A transaction processing device computer that cooperates with a payment server to enable cashless payment of transactions, a notification means for notifying the payment server of the payment amount of the transaction and information on the payment brand; a detection means for detecting brand information and message data included in payment result data returned from the settlement server notified by the notification means; editing means for editing output data using the brand information and message data detected by the detecting means; and an output means for outputting the output data edited by the editing means; A program to function as a [Explanation of symbols]

[0085] 10...POS terminal, 20...multiple payment server, 30...payment server, 40...first communication network, 50...second communication network, 61...processor, 62...main memory, 63...auxiliary storage device, 64...clock, 65...communication unit, 66...change machine interface, 67...scanner, 68...touch panel, 69...printer, 70...reader / writer, 71...system transmission path, 81...payment data, 82...payment result data, 91...payment completion screen, 92...payment completion screen, 93...transaction receipt, 94...payment error screen, 95...error receipt, 100...cashless payment system, 611...notification means, 612...detection means, 613...editing means, 614...output means, 615...acquisition means, 616...allocation means.

Claims

1. A transaction processing device that enables cashless transaction settlement in cooperation with a payment server, a notification means for notifying the payment server of the payment amount of the transaction and information on the payment brand; a detection means for detecting brand information and message data, the brand information having an identifier set for each payment brand, included in payment result data returned from the payment server that has received the notification from the notification means; editing means for editing output data using the brand information and message data detected by the detecting means; an output means for outputting the output data edited by the editing means; an acquiring means for acquiring whether the payment result data indicates a minor error or a major error when the payment result data indicates an error; a distribution means for distributing processing after the data output by the output means depending on whether the error acquired by the acquisition means is a minor error or a serious error; Equipped with the notification means further notifies information regarding a format of the output data; A transaction processing device, wherein message data included in the payment result data conforms to the format.

2. the notification means further notifies information identifying the model of the transaction processing device; 2. The transaction processing device according to claim 1, wherein message data included in said payment result data is compatible with said model.

3. A transaction processing device computer that cooperates with a payment server to enable cashless payment of transactions, a notification means for notifying the payment server of the payment amount of the transaction and information on the payment brand; a detection means for detecting brand information having an identifier set for each payment brand and message data included in payment result data returned from the payment server notified by the notification means; editing means for editing output data using the brand information detected by the detecting means and the message data; an output means for outputting the output data edited by the editing means; an acquiring means for acquiring whether the payment result data indicates a minor error or a major error when the payment result data indicates an error; and a distribution means for distributing processing after the data output by the output means depending on whether the error acquired by the acquisition means is a minor error or a serious error; It functions as the notification means further notifies information regarding a format of the output data; The program, wherein message data included in the payment result data conforms to the format.

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