Payment device and program

Abstract

To provide a settlement device and a program that can expand the range of available settlement means.SOLUTION: A settlement device comprises: commodity information storage means that stores, for one or more commodities on which sales registration processing is performed, specification information for specifying the commodities in a storage unit; settlement means designation means that receives one designated settlement means; settlement processing means that, when determining that settlement of part or all of the commodities related to the specification information can be performed with the received designated settlement means, based on a table in which determination information for determining whether settlement can be performed with the settlement means is stored for every specification information, performs settlement processing on the commodities for which settlement can be formed with the use of the settlement means; and notification means that, when determining that settlement of all of the commodities related to the specification information cannot be performed with the designated settlement means based on the table, notifies guidance indicating that the settlement cannot be performed with the settlement means.SELECTED DRAWING: Figure 6

Description

[Technical Field]

[0001] Embodiments of the present invention relate to a payment apparatus and a program. [Background Art]

[0002] Conventionally, in stores, there are self-POS (Point of Sales) terminals where customers perform sales registration operations and payment operations by themselves, semi-self-POS terminal payment apparatuses where store clerks perform sales registration operations and customers perform payment operations, and also conventional POS terminals where store clerks perform both sales registration operations and payment operations.

[0003] In these POS terminals, for example, when performing a payment operation using a credit card, there are types of credit cards that cannot be used for payment depending on the product. Therefore, if a product that cannot be paid for with that credit card is included, that credit card could not be used for payment of all products.

[0004] This is not limited to credit cards; for example, when a product to be purchased that can only be paid for in cash is included, it has been necessary to pay for all products in cash. [Summary of the Invention] [Problem to be Solved by the Invention]

[0005] The problem to be solved by the present invention is to provide a payment apparatus and a program that can expand the range of available payment methods. [Means for Solving the Problem]

[0006] The payment device of the embodiment includes: product information storage means for storing specific information that identifies one or more products that have been processed for sale; payment means designation means for accepting a designated payment means; payment processing means for processing payments for products that can be paid for using the designated payment means, when it is determined that some or all of the products related to the specific information can be paid for using the designated payment means, based on a table in which determination information is stored for determining whether or not payment is possible with the designated payment means; and notification means for notifying guidance indicating that payment is not possible using the designated payment means when it is determined that all of the products related to the specific information cannot be paid for using the designated payment means, based on the table. The payment method designation means, upon receiving a designation of a credit card as the payment method, displays a plurality of credit cards of different types and accepts the designation of one of the credit cards, and the determination information includes information that determines whether payment is possible for each of the plurality of credit cards for each of the products. [Brief explanation of the drawing]

[0007] [Figure 1] Figure 1 is a schematic diagram showing a POS system according to an embodiment. [Figure 2] Figure 2 is a schematic diagram showing a self-service POS terminal. [Figure 3] Figure 3 is a block diagram showing the hardware configuration of a self-service POS terminal. [Figure 4] Figure 4 is a memory map showing the product table. [Figure 5] Figure 5 is a functional block diagram showing the functional configuration of a self-service POS terminal. [Figure 6] Figure 6 is a flowchart showing the control process flow of a self-service POS terminal. [Figure 7] Figure 7 shows the display screen of the display unit. [Figure 8] Figure 8 shows another display screen of the display unit. [Figure 9] Figure 9 shows yet another display screen of the display unit. [Figure 10] Figure 10 shows yet another display screen of the display unit. [Figure 11] Figure 11 shows the display screen of the display unit according to a modified example. [Modes for carrying out the invention]

[0008] The embodiments will be described in detail below with reference to the drawings. In the embodiments, a self-service POS terminal will be described as an example of a payment device. However, the present invention is not limited to the embodiments described below.

[0009] Figure 1 is a schematic diagram showing a POS system according to an embodiment. The POS system is a system that sells goods sold in a store and manages the sales of those goods, and is mainly installed inside the store. The POS system comprises multiple self-service POS terminals 10 installed inside the store and one server 20, which is a higher-level device for the self-service POS terminals 10 and is installed in the back room of the store. The self-service POS terminals 10 and the server 20 are electrically connected by a communication line 30 such as a LAN (Local Area Network). Therefore, each self-service POS terminal 10 and the server 20 can send and receive information from each other.

[0010] The self-service POS terminal 10 allows customers to perform sales registration and payment operations for the products they purchase. When a customer performs a sales registration operation by scanning an image of a barcode or other symbol attached to a product, the self-service POS terminal 10 executes the sales registration process for that product. The sales registration process refers to the process in which the self-service POS terminal 10 displays the product information (product name, price, etc.) of the product, which is read based on the product code obtained from the symbol, and stores this product information in the product information unit 131 (see Figure 3). The self-service POS terminal 10 may also optically read the image of the symbol attached to the product and obtain the corresponding product code.

[0011] Furthermore, when a customer performs a payment operation, the self-service POS terminal 10 executes the payment processing. Payment processing involves displaying the total amount related to the transaction and calculating and displaying the change based on the amount received from the customer, based on the product information stored in RAM, etc., through the sales registration process. In the case of cash payments, this includes instructing the change dispenser to issue the change. In the case of credit card payments, this includes processing the payment using the credit card. Payment processing also includes issuing a receipt printed with the product information and payment information (total amount, amount received, change amount, etc.) from the sales registration process.

[0012] The self-service POS terminal 10 transmits the product code, product information, payment information, etc., of the processed products to the server 20 via the communication line 30. The self-service POS terminal 10 also transmits settlement information, which settles sales for a predetermined period (e.g., one day), to the server 20 via the communication line 30.

[0013] Server 20 centrally manages product codes, product information, payment information, settlement information, etc., received from each self-service POS terminal 10. In other words, Server 20 manages sales for a single store. Server 20 also transmits information related to the product master (see Figure 3) to each self-service POS terminal 10. The product master 142 stores product information for each product, associated with the product code that identifies the product. Server 20 also stores a product table. The product table, as will be described later in Figures 3 and 4, is periodically distributed from Server 20 to the self-service POS terminal 10.

[0014] Figure 2 is a front view showing the external appearance of a self-service POS terminal 10 according to an embodiment. As shown in Figure 2, the self-service POS terminal 10 comprises a payment terminal 1, a basket stand 2, and a bagging stand 3. The payment terminal 1 comprises a deposit / withdrawal unit 4, a reading unit 5, a display operation unit 6, and a control unit 100 (see Figure 3) that controls each unit.

[0015] The payment terminal 1 comprises a first enclosure 7 and a second enclosure 8. The first enclosure 7 houses the deposit / withdrawal unit 4 inside. The second enclosure 8 houses the control unit 100 inside.

[0016] The reading unit 5 includes a code reader 27 that reads the appearance of a product and symbols (such as barcodes, two-dimensional codes, etc.) attached to the product in order to identify the product. The reading unit 5 also includes a printing unit 24 that prints a receipt for a product to be sold. The printing unit 24 issues a discharged receipt through a receipt issuing port 51b. The issued receipt is supported from below by a receipt discharge table 51a. Furthermore, the reading unit 5 includes a card reader 25 that reads credit cards and electronic money cards related to settlement processing.

[0017] The display operation unit 6 includes a display unit 23 configured by, for example, a monitor, and an operation unit 21 configured by, for example, a touch panel. The display unit 23 displays information and images. The operation unit 21 is provided on the surface of the display unit 23, and outputs information based on a position touched by an operator to the control unit 100.

[0018] The basket placing table 2 is a table on which a basket containing products is placed. The basket placing table 2 is provided on one side of the settlement terminal 1. A customer performs an operation of taking out a product from the basket and holding it over the reading unit 5. The bagging table 3 is a table for bagging products after their symbols are read by the code reader 27. The bagging table 3 is provided on the other side of the settlement terminal 1 (the opposite side to the basket placing table 2).

[0019] Next, the hardware configuration of the self-service POS terminal 10 will be described. FIG. 3 is a block diagram showing the hardware configuration of the self-service POS terminal 10. As shown in FIG. 3, the self-service POS terminal 10 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, a memory unit 14, and the like. The CPU 11 serves as a main control entity. The ROM 12 stores various programs. The RAM 13 loads programs and various data. The memory unit 14 stores various programs. The CPU 11, ROM 12, RAM 13, and memory unit 14 are connected to each other via a bus 15. The CPU 11, ROM 12, and RAM 13 constitute a control unit 100. That is, the control unit 100 executes control processing related to the self-service POS terminal 10, which will be described later, by the CPU 11 operating in accordance with a control program stored in the ROM 12 or the memory unit 14 and loaded into the RAM 13.

[0020] The RAM 13 includes a product information unit 131 (storage unit), a product table 132 (table), a payment information unit 133, and a medium storage unit 135. The product information unit 131 stores product codes and product information (product name, product price, etc.) of products subjected to sales registration processing based on product codes obtained from symbols read by a code reader 27. The product table 132 stores determination information for determining whether payment is possible with the medium (payment method) for each product code (specific information). In the embodiment, the product table 132 stores determination information for determining whether payment for a product is possible with the medium for each combination of a product code as specific information and a plurality of media used for payment. The product table 132 will be described later with reference to FIG. 4. The payment information unit 133 acquires and stores determination information from the product table 132 for each product stored in the product information unit 131. The medium storage unit 135 stores the medium specified by the operation unit 21.

[0021] The memory unit 14 consists of non-volatile memory such as an HDD (Hard Disk Drive) or flash memory that retains stored information even when the power is turned off. The memory unit 14 includes a control program unit 141 and a product master 142. The control program unit 141 stores a control program for controlling the self-service POS terminal 10. The product master 142 stores product information for each product.

[0022] Furthermore, the control unit 100 is connected to the operation unit 21, display unit 23, printing unit 24, card reader 25, code reader 27, and deposit / withdrawal unit 4 via the bus 15 and controller 16. The operation unit 21 includes an exit key 211. The exit key 211 is operated by the customer when they finish the sales registration operation for the product and start the settlement operation. The deposit / withdrawal unit 4 deposits money received from the customer and dispenses change to be paid to the customer.

[0023] Furthermore, the control unit 100 is connected to the communication unit 26 via the bus 15. The communication unit 26 is electrically connected to other self-service POS terminals 10 and servers 20 installed in the store via the communication line 30. The communication unit 26 sends and receives information with the other self-service POS terminals 10 and servers 20.

[0024] Next, we will explain the product table 132. Figure 4 is a memory map showing the product table. The product table 132 stores determination information for each combination of product code and multiple payment methods (cash, electronic money, and six types of credit cards, cards a to f) used to settle the payment for that product code, determining whether or not payment is possible with that media. The determination information indicates whether or not a media can be used for payment for each product. Specifically, for each combination of product code and multiple payment media used, it stores information indicating whether payment is possible ("yes") or impossible ("no"). The "yes" and "no" information constitute the determination information.

[0025] The product table 132 includes product code 1321, cash payment information 1322, electronic money payment information 1323, and credit card payment information 1324. Product code 1321 stores a product code that identifies each product. Cash payment information 1322 stores information indicating whether cash payment is possible or not for each product with a product code stored in product code 1321. Electronic money payment information 1323 stores information indicating whether electronic money payment is possible or not for each product with a product code stored in product code 1321. Credit card payment information 1324 stores information indicating whether payment is possible or not for each of the six types of credit cards (cards a to f) for each product with a product code stored in product code 1321.

[0026] Specifically, by referring to product table 132, we can see that product A can be paid for with cash and card a, but not with electronic money or cards b-f. Furthermore, products B and N can be paid for with cash, electronic money, or cards a-f; there are no payment methods that are unavailable. Product C can only be paid for with cash; other payment methods are unavailable. Finally, product D cannot be paid for with electronic money, but other payment methods are available.

[0027] From here, the functional configuration of the self-service POS terminal 10 will be explained in detail. Figure 5 is a functional block diagram showing the functional configuration of the self-service POS terminal 10. The control unit 100 functions as a product information storage means 101, a payment method specification means 102, a judgment information acquisition means 103, a judgment means 104, a payment processing means 105, and a notification means 106, according to the control program stored in the ROM 12 and the control program unit 141 of the memory unit 14.

[0028] The product information storage means 101 stores a product code that identifies one or more products that have been processed for sales in the product information unit 131.

[0029] The payment method designation means 102 receives information about a media that is a designated payment method. Specifically, the payment method designation means 102 stores in the media storage unit 135 information about the media associated with the operated media key from among the various media keys displayed on the display unit 23.

[0030] The determination information acquisition means 103 searches the product table 132 based on the product code stored in the product information unit 131 by the product information storage means 101, obtains the determination information associated with the product code, and stores it in the payment information unit 133.

[0031] The determination means 104 determines, based on the determination information obtained from the product table 132 (i.e., the determination information stored in the payment information unit 133), whether or not the product with the product code stored in the product information unit 131 can be paid for using the media whose information is stored in the media storage unit 135.

[0032] The payment processing means 105, based on a table that stores determination information for determining whether payment is possible on the medium for each specific piece of information (in this embodiment, based on a product table 132 that stores determination information for determining whether payment is possible on the medium for each combination of product code and multiple media), determines that some or all of the products related to the product code stored in the product information unit 131 are payable on the designated media, and then processes the payment for the products that are payable using that media. Specifically, if the determination means 104 determines that payment is possible, the payment processing means 105 executes the payment process for the payable products.

[0033] If the notification means 106 determines, based on the product table 132, that all products related to specific information cannot be paid for on the specified media, it will notify guidance indicating that payment on that media is not possible. Specifically, if the determination means 104 determines that all products cannot be paid for, the notification means 106 will notify guidance indicating that payment on that media is not possible. Note that "all products" may refer to a single product.

[0034] Next, we will explain the control of the self-service POS terminal 10. Figure 6 is a flowchart showing the flow of control processing for the self-service POS terminal 10. As shown in Figure 6, the control unit 100 of the self-service POS terminal 10 determines whether it has obtained the product code for the product based on the symbol read by the code reader 27 (S11). If it determines that it has obtained the product code (Yes in S11), the control unit 100 executes the sales registration process for the product (S12). Also in S12, the product information storage means 101 stores the product code that identifies the product for one or more products that have been processed for sales in the product information unit 131. In this embodiment, for example, suppose that the product codes for three products, product A, product B, and product D, are stored in the product information unit 131. Then the control unit 100 returns to S11.

[0035] Furthermore, if it is determined that the acquisition of a product code is not performed (No. in S11), the control unit 100 determines whether the termination key 211 has been operated (S13). If it is determined that the termination key 211 has been operated (Yes in S13), the control unit 100 searches the product table 132 based on all the product codes stored in the product information unit 131 (S14). The determination information acquisition means 103 then acquires determination information associated with each product code from the product table 132 and stores it in the settlement information unit 133 (S15). In this embodiment, determination information related to product A, product B, and product D is stored. If it is determined that the acquisition of the termination key 211 is not performed (No. in S13), the control unit 100 returns to S11.

[0036] Next, the control unit 100 displays the media available at the store on the display unit 23 (S21). Figure 7 shows the screen displaying the media available at the store on the display unit 23 in S21. As shown in Figure 7, the display unit 23 displays the cash key 231, the electronic money key 232, and the credit card key 233. To pay with cash, the cash key 231 is operated. To pay with electronic money, the electronic money key 232 is operated. To pay with a credit card, the credit card key 233 is operated. Also in Figure 7, the display unit 23 displays guidance M1 prompting the user to operate one of the cash key 231, the electronic money key 232, or the credit card key 233. Guidance M1 is, for example, "Please select a payment method."

[0037] Returning to the explanation of Figure 6, the control unit 100 then determines whether one of the cash key 231, electronic money key 232, or credit card key 233 has been operated (i.e., whether one of the media has been specified) (S22). It waits until one of the keys is operated (No in S22), and if it determines that one of the keys has been operated (Yes in S22), the payment method designation means 102 stores information indicating the media associated with the operated media key in the media storage unit 135 (S23). In other words, the payment method designation means 102 receives information on one specified media.

[0038] Next, the control unit 100 determines whether a credit card has been specified (i.e., whether the information stored in the media storage unit 135 is credit key information) (S24). If it determines that a credit card has been specified (Yes in S24), the control unit 100 displays the credit cards usable at the store on the display unit 23 (S25). Figure 8 shows the credit card screen displayed on the display unit 23 in S25. Figure 8 displays six types of keys: key 2331 for specifying card a, key 2332 for specifying card b, key 2333 for specifying card c, key 2334 for specifying card d, key 2335 for specifying card e, and key 2336 for specifying card f. The customer operates one of the keys to specify the credit card to use. In this embodiment, let's assume that card b has been specified. The display unit 23 also displays guidance M2 prompting the customer to specify the credit card to use. Guidance M2 is, for example, "Please specify a credit card."

[0039] Returning to the explanation of Figure 6, the control unit 100 determines whether any credit card has been specified (S26). It waits until any credit card is specified (No in S26), and if it determines that any credit card has been specified (Yes in S26), the payment method specification means 102 receives the information of the specified credit card (S27). Specifically, the payment method specification means 102 stores the information of the credit card related to the operated key among the various media keys displayed on the display unit 23 in the media storage unit 135 (S27).

[0040] Next, the determination means 104 determines, based on the determination information stored in the payment information unit 133, whether the product with the product code stored in the product information unit 131 can be paid for using the media stored in the media storage unit 135 (S28). In this embodiment, it is determined whether products A, B, and D can be paid for with card b. If it is determined that payment is possible (Yes in S28), the payment processing means 105 performs payment processing for the products with product codes stored in the product information unit 131 that can be paid for (S29). In this embodiment, since products B and D can be paid for with card b, the payment processing means 105 performs payment processing for products B and D in the process of S29. The control unit 100 also deletes the product codes and product information of products B and D that have been paid for from the product information unit 131. At this point, product A is an unpaid product that has not been paid for. Therefore, the product code and product information related to product A remain stored in the product information unit 131. If it is determined in S24 that no credit card has been specified (S24 No.), the determination means 104 performs the determination in S28 without executing the processes in S25 to S27.

[0041] Next, the control unit 100 determines whether there are any outstanding items (S30). The control unit 100 determines that there are outstanding items if the product code and product information are stored in the product information unit 131. If it determines that there are outstanding items (Yes in S30), the control unit 100 calculates the total amount of the outstanding items based on the product information stored in the product information unit 131 and displays it on the display unit 23 (S31). Figure 9 shows the display unit 23 displaying the guidance and total amount of outstanding items. The display unit 23 displays guidance M1, guidance M3 indicating that there are outstanding items including the total amount of outstanding items, cash key 231, electronic money key 232, and credit card key 233. Based on the displayed guidance M3, the customer recognizes that there are outstanding items and uses one of the keys—cash key 231, electronic money key 232, or credit card key 233—to specify the media to be used for payment for the outstanding items. The control unit 100 then returns to S22 and waits for the customer to specify a new media. In this embodiment, since product A is still unpaid, the system waits for the customer to specify the media to be used for product A. Since product A can be paid for with cash or card a, when the customer specifies cash or card a, the payment processing means 105 performs the payment process for product A. On the other hand, if it is determined that there are no unpaid products (No. in S30), the control unit 100 terminates the process because payment has been completed for all products.

[0042] Furthermore, in S28, if it is determined that all products with product codes stored in the product information unit 131 cannot be paid for using the media stored in the media storage unit 135 (No. in S28), the notification means 106 displays (notifies) guidance indicating that payment is not possible with the specified media (S32). Figure 10 shows the display unit 23 displaying guidance indicating that payment is not possible with the specified media. The display unit 23 displays guidance M1, guidance M3, and guidance M5 indicating that payment is not possible with the specified media. For example, if product A and product C are purchased and card b is specified, guidance M5 will be displayed. Guidance M5 is, for example, "Payment cannot be made with this credit card." Then the control unit 100 executes the process in S31.

[0043] As a variation of the display in S31, in addition to guidance M3, the media that can be used to pay for unsettled goods may also be displayed. Figure 11 shows guidance M6, which is a variation of the display in Figure 9 with information on media that can be used to pay for unsettled goods added. For example, if product A is an unsettled product, guidance M6 may be, for example, "Please use cash or card a."

[0044] A self-service POS terminal 10 in this embodiment includes: a product information storage means 101 that stores a product code (identification information) that identifies one or more products that have been processed for sale in a product information unit 131 (storage unit); a payment means designation means 102 that accepts a designated media; a payment processing means 105 that processes payments for products that can be paid for using a designated media, based on a product table 132 which stores determination information that determines whether or not a product can be paid for using a designated media for each combination of product code and multiple media; and a notification means 106 that provides guidance indicating that payment is not possible with a designated media when it is determined that all products related to a product code cannot be paid for using a designated media based on the product table 132. In this self-service POS terminal 10, if payment is possible with a designated media for one or more products that have been processed for sale, payment processing is performed for those products, and if payment is not possible with a designated media for all products, guidance indicating that payment is not possible with a designated media is provided. Therefore, it is possible to broaden the range of media that can be used.

[0045] Although embodiments and modifications thereof of the present invention have been described above, these embodiments and modifications are presented as examples only and are not intended to limit the scope of the invention. These novel embodiments and modifications thereof can be implemented in various other forms, and various omissions, substitutions, and changes can be made without departing from the spirit of the invention. These embodiments and their variations are included in the scope and spirit of the invention, as well as in the claims of the invention and its equivalents.

[0046] For example, in this embodiment, a self-service POS terminal 10 was used as an example of a payment terminal. However, the payment terminal is not limited to this, and may be a regular POS terminal or a payment terminal in a semi-self-service POS terminal.

[0047] Furthermore, in this embodiment, the self-service POS terminal 10 was described as having a product table 132. However, the configuration is not limited to this, and the product table 132 may be provided by, for example, the server 20.

[0048] Furthermore, in this embodiment, the product table 132 stores determination information for each combination of product code and multiple media, which determines whether or not payment can be made with that media. However, the system is not limited to this, and for example, each product may be associated with and stored as usable media. In this case, the determination means 104 determines that payment is possible if the specified media is an usable media, and that payment is not possible if the specified media is not an usable media. Conversely, each product may be associated with and stored as unusable media. In this case, the determination means 104 determines that payment is not possible if the specified media is an unusable media, and determines that payment is possible if the specified media is not an unusable media.

[0049] The program executed by the self-service POS terminal 10 in this embodiment is provided as an installable or executable file recorded on a computer-readable recording medium such as a CD-ROM, flexible disk (FD), CD-R, or DVD (Digital Versatile Disk).

[0050] Alternatively, the program executed by the self-service POS terminal 10 of the embodiment may be stored on a computer connected to a network such as the Internet and provided by downloading it via the network. Alternatively, the program executed by the self-service POS terminal 10 of the embodiment may be provided or distributed via a network such as the Internet.

[0051] Alternatively, the program to be executed by the self-service POS terminal 10 of this embodiment may be pre-installed and provided in ROM or the like. [Explanation of symbols]

[0052] 1 Payment terminal 10 Self-service POS terminals 11 CPU 12 ROM 13 RAM 14. Memory section 20 servers 21 Control section 23 Display section 24 Printing section 25 Card Reader 27 Code Reader 100 Control Unit 101 Product information storage means 102 Media Selection Method 103 Judgment information acquisition means 104 Judgment means 105 Payment Processing Methods 106 Notification methods 131 Product Information Department 132 Product Table 133 Payment Information Department 134. Unsettled Amount Section 135 Media Storage Unit 211 Exit key 231 Cash Key 232 Electronic Money Key 233 Credit card key 1321 Product Code Section [Prior art documents] [Patent Documents]

[0053] [Patent Document 1] International Publication No. 2016 / 136110

Claims

1. A payment method designation means that accepts the designation of a payment method for settling the sale of goods that have been processed for sale, A payment processing means that, based on determination information that determines whether payment is possible for each product using the aforementioned payment method, executes a payment process using the specified payment method for products that have been determined to be payable using the aforementioned payment method, Based on the aforementioned determination information, a notification means selectively notifies of available payment methods for unpaid goods that have been determined to be unpayable using the specified payment method, Equipped with, When the payment method designation means receives a designation of a credit card as the payment method, it displays multiple credit cards of different types and accepts the designation of one of the credit cards. The determination information includes information for determining whether payment is possible for each of the multiple credit cards, for each of the products, in the payment device.

2. The notification means, based on the determination information, notifies that payment is not possible with the designated payment method if there are no goods that have been determined to be payable with that payment method. The payment device according to claim 1.

3. The notification means, after executing the settlement process, selectively notifies the payment method available for settlement of the unsettled goods, and also notifies the unsettled amount information for the unsettled goods. The payment device according to claim 1.

4. The system includes a table that stores specific information that allows for the identification of a product, and determination information that determines whether or not payment is possible using the payment method, for each piece of specific information. The payment device according to any one of claims 1 to 3.

5. Computers as payment devices, A payment method designation means that accepts the designation of a payment method for settling the sale of goods that have been processed for sale, A payment processing means that, based on determination information that determines whether payment is possible for each product using the aforementioned payment method, executes a payment process using the specified payment method for products that have been determined to be payable using the aforementioned payment method, Based on the aforementioned determination information, a notification means selectively notifies of available payment methods for unpaid goods that have been determined to be unpayable using the specified payment method, and make it work When the payment method designation means receives a designation of a credit card as the payment method, it displays multiple credit cards of different types and accepts the designation of one of the credit cards. The determination information includes a program that determines whether payment is possible for each of the multiple credit cards for each of the products.

Images