Electronic payment terminal device

Abstract

[Problem] To provide an electronic payment terminal device which supports a plurality of electronic payment services and which enables rapid payment processing. [Solution] The electronic payment terminal device can support electronic payment services of a first type and electronic payment services of a second type, which are registered in an electronic payment medium, wherein: the electronic payment services of the first type use wireless communication based on a first wireless communication standard, and two or more of the electronic payment services of the first type can be registered in the electronic payment medium; the electronic payment services of the second type use wireless communication based on a second wireless communication standard, and only one electronic payment service of the second type can be registered in the electronic payment medium; and the electronic payment terminal device detects the electronic payment services of the first type and the electronic payment service of the second type, and performs payment processing using the electronic payment service of the second type when the detected electronic payment service of the first type is a predetermined first prescribed payment service among the electronic payment services of the first type.

Description

Electronic payment terminal device

[0001] The present invention relates to an electronic payment terminal device that supports a plurality of electronic payment services.

[0002] An electronic payment terminal device is a terminal device used for payment in an electronic payment service. In many cases, it is connected to or mounted on vending machines, ticket machines, POS cash registers, ticket vending machines, coin lockers, service devices, etc. (hereinafter referred to as "vending machines, etc.") and is used. (See Patent Document 1).

[0003] There are also electronic payment terminal devices that support a plurality of electronic payment services. Such an electronic payment terminal device that supports a plurality of electronic payment services usually allows a user to select an electronic payment service to be used for payment prior to the payment process.

[0004] Japanese Patent Application Laid-Open No. 2015-125715

[0005] The present invention is an electronic payment terminal device that supports a plurality of electronic payment services, and an object thereof is to provide an electronic payment terminal device capable of rapid payment processing.

[0006] In order to solve the above problems, the electronic payment terminal device of the present invention is an electronic payment terminal device capable of corresponding to a first type of electronic payment service and a second type of electronic payment service registered in an electronic payment medium. The first type of electronic payment service uses wireless communication according to a first wireless communication standard and can be registered two or more times in the electronic payment medium. The second type of electronic payment service uses wireless communication according to a second wireless communication standard and can be registered only once in the electronic payment medium. The electronic payment terminal device includes a control unit that detects an electronic payment service registered in the electronic payment medium and performs a payment process using the electronic payment service. The control unit detects the first type of electronic payment service and the second type of electronic payment service, and when the detected first type of electronic payment service is a first predetermined payment service determined in advance from among the first type of electronic payment services, the control unit performs a payment process using the second type of electronic payment service.

[0007] The first type of electronic payment service is an electronic money electronic payment service, and the second type of electronic payment service may be a contactless credit card payment service. Furthermore, the first specified electronic payment service may be an electronic money electronic payment service linked to a credit card corresponding to the credit card of the second type of electronic payment service.

[0008] The electronic payment terminal device may further include a display unit that displays a screen for selecting an electronic payment service. The control unit may, when it detects only the first type of electronic payment service, perform payment processing using the detected electronic payment service if only one first type of electronic payment service is detected, and if two or more first type of electronic payment services are detected, cause the display unit to display a screen for selecting an electronic payment service. The control unit may also, when it detects both the first type of electronic payment service and the second type of electronic payment service, and if two or more first type of electronic payment services are detected, cause the display unit to display a screen for selecting an electronic payment service. The control unit may also, when it detects only the second type of electronic payment service, perform payment processing using the detected second type of electronic payment service.

[0009] The electronic payment terminal device may have a control unit that detects the first type of electronic payment service and the second type of electronic payment service, and if the detected first type of electronic payment service is a second predetermined payment service selected from among the first type of electronic payment services, it may perform payment processing using the second predetermined electronic payment service.

[0010] The electronic payment terminal device may further be capable of supporting a third type of electronic payment service registered on the electronic payment medium, wherein the third type of electronic payment service is a code payment service that performs payment by reading a code displayed on the electronic payment medium, and the control unit may, when it detects the third type of electronic payment service, perform payment processing using the third type of electronic payment service.

[0011] According to the electronic payment terminal device of the present invention, payment processing can be performed quickly.

[0012] This is a block diagram showing the configuration of the electronic payment terminal device of this embodiment. This is a perspective view showing an example of the external appearance of the electronic payment terminal device. This is a front view showing an example of the display of the touch panel of the electronic payment terminal device, showing the electronic payment service selection screen. This is a front view showing an example of the display of the touch panel of the electronic payment terminal device, showing a screen prompting the user to select a product. This is a front view showing an example of the display of the touch panel of the electronic payment terminal device, showing a screen prompting the user to touch the electronic payment medium to which the pre-selected electronic payment service (electronic money A) is registered. This is a front view showing an example of the display of the touch panel of the electronic payment terminal device, showing a screen that indicates that payment processing is in progress and instructs the user not to remove the electronic payment medium. This is a front view showing an example of the display of the touch panel of the electronic payment terminal device, showing a screen that indicates that payment processing is complete. This is a front view showing an example of the display of the touch panel of the electronic payment terminal device, showing a screen prompting the user to touch the electronic payment medium or to photograph the code displayed on the electronic payment medium. This is a front view showing an example of the display of the touch panel of the electronic payment terminal device, showing a screen prompting the user to select the electronic payment service to be used for payment when two or more Type 1 electronic payment services (electronic money A to C) are detected. This is a front view showing an example of the display on the touch panel of an electronic payment terminal device. It shows a screen that indicates that processing of a detected Type 2 electronic payment service (Credit A) is in progress and instructs the user not to remove the electronic payment medium. This is a front view showing an example of the display on the touch panel of an electronic payment terminal device. It shows a screen that indicates that processing of a detected Type 2 electronic payment service (Credit A) has been completed. This is a front view showing an example of the display on the touch panel of an electronic payment terminal device. When one Type 1 payment service (Electronic Money B) and a Type 2 electronic payment service (Credit A) are detected, it shows a screen that prompts the user to select the electronic payment service to be used for payment. This is a front view showing an example of the display on the touch panel of an electronic payment terminal device. It shows a screen that prompts the user to touch the electronic payment medium to which the selected electronic payment service (Credit A) is registered.This is a front view showing an example of the touch panel display of an electronic payment terminal device, showing a screen prompting the user to select the electronic payment service to be used for payment when two or more Type 1 payment services (electronic money A to C) and Type 2 electronic payment services (credit A) are detected. This is a flowchart showing the first example of the processing flow of an electronic payment terminal device, showing the processing flow of an electronic payment terminal device installed in a vending machine. This is a flowchart showing the first example of the payment processing flow when there is no prior selection of an electronic payment service (payment processing without prior selection). This is a flowchart showing the second example of the payment processing flow when there is no prior selection of an electronic payment service (payment processing without prior selection). This is a flowchart showing the second example of the processing flow of an electronic payment terminal device, showing the processing flow of an electronic payment terminal device installed in a payment machine.

[0013] Hereinafter, with reference to the drawings, one embodiment of the present invention (hereinafter referred to as "this embodiment") will be described.

[0014] Figure 1 is a block diagram showing the configuration of the electronic payment terminal device 10 of this embodiment. Figure 2 is a perspective view showing an example of the external appearance of the electronic payment terminal device 10. Figures 3A to 3L are front views showing an example of the display of the touch panels 17 and 18 of the electronic payment terminal device 10.

[0015] The electronic payment terminal device 10 is a terminal device used for settlement in electronic payment services, and is usually connected to or installed in vending machines, etc. The electronic payment terminal device 10 reads the electronic payment service registered on the electronic payment medium and performs settlement processing using the said electronic payment service.

[0016] Examples of electronic payment services include electronic money, contactless credit card payments, and code-based payments. One of the features of the electronic payment terminal device 10 in this embodiment is that it can support multiple electronic payment services.

[0017] The electronic payment medium is a contactless IC card, a mobile terminal with a contactless IC card emulation function, or a mobile terminal with a function to display a code used for code payment. Alternatively, the electronic payment medium may be a printed medium on which a code used for code payment is printed. Examples of the aforementioned mobile terminals include mobile phones, smartphones, and smartwatches. Registration of the electronic payment service to a mobile terminal with a contactless IC card emulation function is done using applications such as Google Pay®, Apple Pay®, or Osaifu-Keitai®. Examples of the aforementioned printed mediums include paper or plastic cards.

[0018] As shown in Figures 1 and 2, the electronic payment terminal device 10 includes a control unit 11, a storage unit 12, a first communication unit 13, a second communication unit 14, a short-range wireless communication unit 15, an imaging unit 16, a display unit 17, and an input unit 18.

[0019] The control unit 11 controls the processing in the electronic payment terminal device 10. The control unit 11 also detects electronic payment services registered on the electronic payment medium via the short-range wireless communication unit 15 and the imaging unit 16 (described later) and performs payment processing using those electronic payment services. The control unit 11 controls the processing in the electronic payment terminal device 10 according to the program stored in the storage unit 12 (described below). The control unit 11 is composed of, for example, a CPU (Central Processing Unit). In this specification, processing described as being performed by the electronic payment terminal device 10 can be said to be performed by this control unit 11.

[0020] The memory unit 12 stores programs, calculation parameters, and other information used by the control unit 11. The memory unit 12 is composed of, for example, RAM (Random Access Memory) and ROM (Read Only Memory).

[0021] The first communication unit 13 communicates with the main control of the vending machine or the like to which the electronic payment terminal device 10 is connected or installed. In other words, the first communication unit 13 is a communication interface used for communication with the main control of the vending machine or the like to which the electronic payment terminal device 10 is connected or installed. The first communication unit 13 is connected to the main control of the vending machine or the like, for example, via a local communication line.

[0022] The second communication unit 14 communicates with the central server of an external electronic payment service. In other words, the second communication unit 14 is a communication interface used for communication with the central server of an electronic payment service. The second communication unit 14 is connected to the central server of an electronic payment service, for example, via a wireless communication network.

[0023] The display unit 17 and the input unit 18 constitute the user interface. The display unit 17 displays information for the user. The input unit 18 receives input from the user. In this embodiment, the display unit 17 and the input unit 18 of the electronic payment terminal device 10 are composed of touch panels 17 and 18 that serve as both the display unit 18 and the output unit 17. However, the configuration of the display unit 17 and the input unit 18 of the present invention is not limited to this. For example, the display unit 17 may be composed of a display, and the input unit 18 may be composed of push-button switches independent of the display.

[0024] The short-range wireless communication unit 15 communicates with an electronic payment medium held near it via short-range wireless communication. In other words, the short-range wireless communication unit 15 is a communication interface used for communication with an electronic payment medium. The short-range wireless communication unit 15 has an antenna. In this embodiment, the antenna of the short-range wireless communication unit 15 is located on the back of the touch panels 17 and 18, as shown by the dashed line in Figure 2. Hereafter, holding an electronic payment medium near the short-range wireless communication unit 15 may be referred to as "touching" the short-range wireless communication unit 15.

[0025] The imaging unit 16 captures the code of the electronic payment service for code-based payments displayed on the electronic payment medium. The imaging unit 16 is composed of, for example, a CCD camera.

[0026] The basic configuration of the electronic payment terminal device 10 is as described above, but the electronic payment terminal device 10 of this embodiment also has the following features.

[0027] The electronic payment terminal device 10 of this embodiment is capable of supporting at least the first type of electronic payment service and the second type of electronic payment service described below.

[0028] The first type of electronic payment service is an electronic payment service that utilizes wireless communication based on the first wireless communication standard, and allows registration of two or more transactions on a single electronic payment medium.

[0029] The first wireless communication standard in this embodiment is NFC (Near Field Communication) Type-F (ISO / IEC 18092). More specifically, the first wireless communication standard in this embodiment is Felica®.

[0030] The first type of electronic payment service in this embodiment is an electronic money electronic payment service. In this specification, "electronic money electronic payment service" means an electronic payment service that uses a prepaid or postpaid electronic payment mechanism and does not fall under either contactless credit card payment or code payment as described later. Examples of electronic money electronic payment services include iD (registered trademark), QUICPay (registered trademark), Suica (registered trademark), nanaco (registered trademark), WAON (registered trademark), Rakuten Edy (registered trademark), and PiTaPa (registered trademark).

[0031] The second wireless communication standard in this embodiment is NFC Type-A and Type-B (ISO / IEC 14443). More specifically, the second wireless communication standard in this embodiment is the EMV (Europay, MasterCard, VISA protocol) specification.

[0032] The second type of electronic payment service is an electronic payment service that utilizes wireless communication using a second wireless communication standard, which is different from the first wireless communication standard described above, and can only be registered once per electronic payment medium. However, it is possible to register both this second type of electronic payment service and the first type of electronic payment service on the same electronic payment medium.

[0033] The second type of electronic payment service in this embodiment is contactless payment (tap payment) using a credit card. Examples of contactless payment using a credit card include contactless payment (tap payment) using Visa®, American Express®, Discover®, Diners Club®, and UnionPay®.

[0034] Since Type 1 and Type 2 electronic payment services are as described above, the combination of Type 1 and Type 2 electronic payment services registered on a single electronic payment medium will be one of the following (A) to (E): (A) One Type 1 electronic payment service (B) Two or more Type 1 electronic payment services (C) One Type 1 electronic payment service and one Type 2 electronic payment service (D) Two or more Type 1 electronic payment services and one Type 2 electronic payment service (E) One Type 2 electronic payment service

[0035] Furthermore, the combination of electronic payment services detected by the electronic payment terminal device 10 by reading the electronic payment medium will also be one of the above-mentioned (A) to (E).

[0036] Furthermore, in this embodiment, if the detected electronic payment service is "(C) one first type electronic payment service and one second type electronic payment service" as described above, and the detected first type electronic payment service is a first predetermined payment service selected from among the first type electronic payment services, the electronic payment terminal device 10 will perform payment processing using the second type electronic payment service.

[0037] In other words, the control unit 11 of the electronic payment terminal device 10 in this embodiment detects both a first type of electronic payment service and a second type of electronic payment service, and if the detected first type of electronic payment service is a first predetermined payment service selected from among the first type of electronic payment services, it performs payment processing using the detected second type of electronic payment service.

[0038] This configuration makes it possible to complete the payment process without requiring the user to select an electronic payment service, as described above.

[0039] The first specified electronic payment service can be arbitrarily selected from among the first type of electronic payment service. However, from the viewpoint of user convenience, it is preferable to make the first type of electronic payment service an electronic money electronic payment service, the second type of electronic payment service a contactless credit card payment service, and the first specified electronic payment service an electronic money electronic payment service linked to a credit card corresponding to the second type of electronic payment service. Examples of such first specified electronic payment services include iD (registered trademark) and QUICPay (registered trademark).

[0040] Furthermore, in the case where the detected electronic payment service is "(C) one first type electronic payment service and one second type electronic payment service" as described above, and the detected first type electronic payment service is a second predetermined payment service selected from among the first type electronic payment services, the electronic payment terminal device 10 of this embodiment may perform payment processing using the second type electronic payment service.

[0041] In other words, the control unit 11 of the electronic payment terminal device 10 according to the present embodiment may detect the first type of electronic payment service and the second type of electronic payment service, and when the detected first type of electronic payment service is a second predetermined payment service determined in advance from among the first type of electronic payment services, perform payment processing using the second predetermined electronic payment service. Here, the second predetermined electronic payment service is an electronic payment service different from the above-described first predetermined electronic payment service.

[0042] With this configuration, in the above-described case, it becomes possible to complete the payment process without the user selecting an electronic payment service.

[0043] The second predetermined electronic payment service is a first type of electronic payment service and can be arbitrarily determined from among the electronic payment services that do not correspond to the above-described first predetermined electronic payment service. However, from the perspective of user convenience and the like, the second predetermined electronic payment service is preferably an electronic payment service with high usage. Examples of such a second predetermined electronic payment service include electronic payment services for transportation-type electronic money such as Suica (registered trademark) and nanaco (registered trademark).

[0044] Further, the electronic payment terminal device 10 according to the present embodiment can display a screen for accepting selection of an electronic payment service on the touch panels 17 and 18 (see FIGS. 3A, 3G, 3J, and 3L). In other words, the electronic payment terminal device 10 according to the present embodiment further includes a display unit that displays a selection screen for an electronic payment service. With this configuration, the user can select an electronic payment service to be used for payment as needed.

[0045] Furthermore, in this embodiment, if the detected electronic payment service is "(A) one first type electronic payment service" as described above, the electronic payment terminal device 10 performs payment processing using the detected electronic payment service. If the detected electronic payment service is "(B) two or more first type electronic payment services" as described above, it displays a screen on the touch panels 17 and 18 that allows the user to select an electronic payment service. In other words, if the control unit 11 of the electronic payment terminal device 10 of this embodiment detects only first type electronic payment services, it performs payment processing using the detected electronic payment service if there is only one first type electronic payment service detected, and displays an electronic payment service selection screen on the display unit if there are two or more first type electronic payment services detected.

[0046] Furthermore, in this embodiment, if the detected electronic payment service is "(D) two or more Type 1 electronic payment services and one Type 2 electronic payment service," the electronic payment terminal device 10 displays a screen on the touch panels 17 and 18 that allows the user to select an electronic payment service. In other words, the control unit 11 of the electronic payment terminal device 10 in this embodiment detects Type 1 electronic payment services and Type 2 electronic payment services, and if there are two or more detected Type 1 electronic payment services, it displays an electronic payment service selection screen on the display unit.

[0047] In the electronic payment terminal device 10 of the present invention, even when the detected electronic payment service is the above-mentioned "(D) two or more first-type electronic payment services and one second-type electronic payment service", if the above-mentioned first predetermined electronic payment service exists among the detected first-type electronic payment services, similar to "(C) one first-type electronic payment service and one second-type electronic payment service", it is also possible to perform payment by the detected second-type electronic payment service. Further, in the electronic payment terminal device 10 of the present invention, even when the detected electronic payment service is the above-mentioned "(D) two or more first-type electronic payment services and one second-type electronic payment service", if the above-mentioned second predetermined electronic payment service exists among the detected first-type electronic payment services, similar to "(C) one first-type electronic payment service and one second-type electronic payment service", it is also possible to perform payment by the second predetermined electronic payment service.

[0048] Also, when the detected electronic payment service of the electronic payment terminal device 10 of the present embodiment is the above-mentioned "(E) one second-type electronic payment service", it performs payment processing by the detected second-type electronic payment service. In other words, the control unit 11 of the electronic payment terminal device 10 of the present embodiment performs payment processing by the detected second-type electronic payment service when only the second-type electronic payment service is detected.

[0049] Furthermore, the electronic payment terminal device 10 of the present embodiment is also compatible with the following-described third-type electronic payment service in addition to the above-mentioned first-type and second-type electronic payment services.

[0050] The third-type electronic payment service is a code payment service that performs payment by reading a code displayed on an electronic payment medium. The code displayed on the electronic payment medium is, for example, a code displayed on a mobile terminal or a code printed on a printed medium.

[0051] The code used for the code settlement service is a one-dimensional code such as a barcode or a two-dimensional code such as a QR code (registered trademark). Examples of the third type of electronic payment service include QR code settlements of PayPay (registered trademark), LINE Pay (registered trademark), Rakuten Pay (registered trademark), au Pay (registered trademark), Merpay (registered trademark), and d Pay (registered trademark).

[0052] The electronic payment terminal device 10 of the present embodiment prioritizes the settlement process using the third type of electronic payment service. In other words, when the control unit 11 of the electronic payment terminal device 10 of the present embodiment detects the third type of electronic payment service, it performs the settlement process using the detected third type of electronic payment service.

[0053] With each of the above configurations, the electronic payment terminal device 10 of the present embodiment can perform a quick settlement process.

[0054] Next, the processing flow of the electronic payment terminal device 10 of the present embodiment will be described.

[0055] FIG. 4 is a flowchart showing a first example of the processing flow of the electronic payment terminal device 10, and the flowchart of FIG. 4 shows the processing flow of the electronic payment terminal device 10 mounted on a vending machine.

[0056] The vending machine equipped with the electronic payment terminal device 10 is in a state of accepting the selection of goods in a standby state (S1, S2). For example, the user can select a product by pressing a product selection button provided on the vending machine.

[0057] Also, the electronic payment terminal device 10 is in a state of accepting the selection of an electronic payment service in a standby state (S1, S2).

[0058] At this time, as shown in FIG. 3A, the electronic payment terminal device 10 displays an electronic payment service selection screen on the touch panels 17 and 18. The user can select an electronic payment service by touching the icon of each electronic payment service displayed on the touch panels 17 and 18.

[0059] Users of vending machines equipped with an electronic payment terminal 10 can select an electronic payment service to use for payment before selecting a product from the vending machine. Alternatively, users of vending machines equipped with an electronic payment terminal 10 can select a product from the vending machine without selecting an electronic payment service to use for payment. Hereafter, the selection of an electronic payment service may be referred to as "pre-selection of electronic payment service." The electronic payment service selected here may also be referred to as the "pre-selected electronic payment service."

[0060] First, let's explain the case where a vending machine user pre-selects an electronic payment service before selecting a product from the vending machine.

[0061] If the electronic payment terminal 10 accepts a pre-selection of an electronic payment service while in standby mode, the electronic payment terminal 10 enters a state where it waits to accept a product selection from the vending machine (S4).

[0062] At this time, the electronic payment terminal device 10 displays a screen prompting the user to select a product on the touch panels 17 and 18, as shown in Figure 3B. Figure 3B shows an example where the pre-selected electronic payment service is electronic money A.

[0063] When the vending machine accepts the selection of a product, the main control unit of the vending machine transmits information about the payment amount to the control unit 11 of the electronic payment terminal device 10 via the first communication unit 13. Subsequently, the electronic payment terminal device 10 performs payment processing using the pre-selected electronic payment service (S5).

[0064] At this time, as shown in Figure 3C, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18 prompting the user to touch the electronic payment medium, which has a pre-selected electronic payment service registered to it, to the near-field wireless communication unit 15. From the time the electronic payment terminal 10 reads the electronic payment service registered to the electronic payment medium until it completes the payment process, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18, as shown in Figure 3D, informing the user that the payment process is underway and instructing them not to move the electronic payment medium away from the near-field wireless communication unit 15. When the electronic payment terminal 10 has completed the payment process, as shown in Figure 3E, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18 indicating that the payment process is complete.

[0065] If the pre-selected payment service is code payment, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18 prompting the user to photograph the code displayed on the electronic payment medium using the photography unit 16. Furthermore, from the time the electronic payment terminal 10 reads the code displayed on the electronic payment medium until the payment processing is completed, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18 indicating that the payment is being processed. When the electronic payment terminal 10 has completed the payment processing, the electronic payment terminal 10 displays a screen on the display unit 17 indicating that the payment processing is complete.

[0066] After the electronic payment terminal device 10 performs payment processing using a pre-selected electronic payment service (S5), the vending machine dispenses the product (S6).

[0067] Next, we will explain the case where a user of a vending machine selects a product from the vending machine without pre-selecting an electronic payment service.

[0068] When the vending machine accepts a product selection, the main control unit of the vending machine transmits information about the payment amount to the control unit 11 of the electronic payment terminal device 10 via the first communication unit 13. Subsequently, the electronic payment terminal device 10 performs the payment process for cases where no electronic payment service has been selected in advance (S3). Hereafter, the payment process for cases where no electronic payment service has been selected in advance may also be referred to as "payment process without prior selection."

[0069] After the electronic payment terminal device 10 performs the aforementioned payment processing without prior selection S3, the vending machine dispenses the product (S6).

[0070] Figure 5 is a flowchart showing the first example of the flow of the payment process S3 when no electronic payment service is selected in advance (payment process without pre-selection).

[0071] In the no-pre-selection payment processing S3, the electronic payment terminal device 10 first receives a touch of the electronic payment medium to the short-range wireless communication unit 15 and a scan of the code displayed on the electronic payment medium by the scanning unit 16, and becomes ready to read the electronic payment medium (S31).

[0072] At this time, as shown in Figure 3F, the electronic payment terminal device 10 displays a screen on the touch panels 17 and 18 prompting the user to touch the electronic payment medium to the short-range wireless communication unit 15, or to photograph the code displayed on the electronic payment medium using the photography unit 16.

[0073] As described above, the combination of electronic payment services detected by the electronic payment terminal device 10 by reading the electronic payment medium will be one of the following (A) to (F): (A) One Type 1 electronic payment service (B) Two or more Type 1 electronic payment services (C) One Type 1 electronic payment service and one Type 2 electronic payment service (D) Two or more Type 1 electronic payment services and one Type 2 electronic payment service (E) One Type 2 electronic payment service (F) Type 3 electronic payment service

[0074] If the detected electronic payment service is "(A) one first type electronic payment service" as described above, the electronic payment terminal device 10 performs payment processing using the detected first type payment service (S32, S37).

[0075] During this time, as shown in Figure 3D, the electronic payment terminal device 10 displays a screen on the touch panels 17 and 18 indicating that payment processing is underway and instructing the user not to move the electronic payment medium away from the short-range wireless communication unit 15. When the payment processing is complete, as shown in Figure 3E, the touch panels 17 and 18 display a screen indicating that the payment processing is complete.

[0076] If the detected electronic payment service is one of the above-mentioned "(B) two or more Type 1 electronic payment services", the electronic payment terminal device 10 performs a process to accept the selection of an electronic payment service (S33), and then performs the payment process using the selected Type 1 electronic payment service (S37). Hereafter, the process of accepting the selection of an electronic payment service may also be called the "electronic payment service selection process".

[0077] At this time, the electronic payment terminal device 10 displays a screen on the touch panels 17 and 18 prompting the user to select an electronic payment service to be used for payment, as shown in Figure 3G. After the user has selected an electronic payment service, the electronic payment terminal device 10 displays a screen on the touch panels 17 and 18 prompting the user to touch the electronic payment medium to the near-field wireless communication unit 15, as shown in Figure 3C. From the time the electronic payment terminal device 10 reads the selected electronic payment service until the payment process is completed, the electronic payment terminal device 10 displays a screen on the touch panels 17 and 18, as shown in Figure 3D, indicating that the payment is being processed and instructing the user not to move the electronic payment medium away from the near-field wireless communication unit 15. When the electronic payment terminal device 10 has completed the payment process, the electronic payment terminal device 10 displays a screen on the touch panels 17 and 18 indicating that the payment process is complete, as shown in Figure 3E.

[0078] If the detected electronic payment service is "(C) one first type electronic payment service and one second type electronic payment service" as described above, the electronic payment terminal device 10 determines whether the first type electronic payment service is a predetermined first electronic payment service (S35).

[0079] If the detected first type of electronic payment service is the first predetermined electronic payment service, the electronic payment terminal device 10 performs payment processing using the detected second type of electronic payment service (S38).

[0080] During this time, the electronic payment terminal device 10 displays a screen on the touch panels 17 and 18, as shown in Figure 3H, indicating that payment processing is underway and instructing the user not to move the electronic payment medium away from the short-range wireless communication unit 15. When the payment processing is complete, the touch panels 17 and 18 display a screen indicating that the payment processing is complete, as shown in Figure 3I.

[0081] On the other hand, if the detected first type of electronic payment service is not the first predetermined electronic payment service, the electronic payment terminal device 10 performs a process to accept the selection of an electronic payment service (electronic payment service selection process) (S36), and then performs payment processing using the first or second type of electronic payment service selected therein (S37, 38).

[0082] At this time, as shown in Figure 3J, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18 prompting the user to select an electronic payment service to be used for payment. After the user has selected an electronic payment service, as shown in Figure 3K, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18 prompting the user to touch the electronic payment medium to the near-field wireless communication unit 15. From the time the electronic payment terminal 10 reads the selected electronic payment service until the payment process is completed, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18 as shown in Figure 3H indicating that the payment is being processed and instructing the user not to move the electronic payment medium away from the near-field wireless communication unit 15. When the electronic payment terminal 10 has completed the payment process, as shown in Figure 3I, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18 indicating that the payment process is complete.

[0083] If the detected electronic payment service is "(D) two or more Type 1 electronic payment services and one Type 2 electronic payment service", the electronic payment terminal device 10 performs a process to accept the selection of an electronic payment service (electronic payment service selection process) (S36), and then performs the payment process using the Type 1 or Type 2 electronic payment service selected therein (S37, 38).

[0084] Here, as shown in Figure 3L, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18 prompting the user to select an electronic payment service to be used for payment. After the user has selected an electronic payment service, as shown in Figure 3K, the electronic payment terminal 10 displays a screen on the touch panel 17 prompting the user to touch the electronic payment medium to the near-field wireless communication unit 15. From the time the electronic payment terminal 10 reads the selected electronic payment service until the payment process is completed, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18 as shown in Figure 3H indicating that the payment is being processed and instructing the user not to move the electronic payment medium away from the near-field wireless communication unit 15. When the electronic payment terminal 10 has completed the payment process, as shown in Figure 3I, the electronic payment terminal 10 displays a screen on the touch panels 17 and 18 indicating that the payment process is complete.

[0085] As mentioned above, in the electronic payment terminal device 10 of the present invention, even if the detected electronic payment service is "(D) two or more first type electronic payment services and one second type electronic payment service" as described above, if the first predetermined electronic payment service is present among the detected first type electronic payment services, the device can also perform payment using the detected second type electronic payment service, similar to "(C) one first type electronic payment service and one second type electronic payment service".

[0086] If the detected electronic payment service is "(E) one type 2 electronic payment service", the electronic payment terminal device 10 performs payment processing using the detected type 2 electronic payment service (S38).

[0087] At this time, as shown in Figure 3H, the electronic payment terminal device 10 displays a screen on the touch panels 17 and 18 indicating that payment processing is in progress and instructing the user not to move the electronic payment medium away from the short-range wireless communication unit 15 while payment processing is in progress. When payment processing is completed, as shown in Figure 3I, the touch panels 17 and 18 display a screen indicating that payment processing is complete.

[0088] If the detected electronic payment service is "(F) Third-type electronic payment service", the electronic payment terminal device 10 performs payment processing using that third-type electronic payment service (S39).

[0089] During this time, the electronic payment terminal device 10 displays a screen on the touch panels 17 and 18 indicating that payment processing is in progress, and when payment processing is complete, it displays a screen on the touch panels 17 and 18 indicating that payment processing is complete.

[0090] Figure 6 is a flowchart showing a second example of the flow of payment processing S3 when no electronic payment service is selected in advance (payment processing without prior selection).

[0091] This second example differs from the first example described above only in the processing when the detected electronic payment service is "(C) one type 1 electronic payment service and one type 2 electronic payment service" as described above. Therefore, this explanation will only cover the case where the detected electronic payment service is "(C) one type 1 electronic payment service and one type 2 electronic payment service" as described above.

[0092] If the detected electronic payment service is "(C) one first type electronic payment service and one second type electronic payment service" as described above, the electronic payment terminal device 10 determines whether the first type electronic payment service is a predetermined second electronic payment service (S35-0).

[0093] If the detected first type of electronic payment service is the second predetermined electronic payment service, the electronic payment terminal device 10 performs payment processing using the second predetermined electronic payment service, which is the detected first type of electronic payment service (S37).

[0094] On the other hand, if the detected first type of electronic payment service is not the second predetermined electronic payment service, the electronic payment terminal device 10 determines whether or not the first type of electronic payment service is the first predetermined electronic payment service (S35).

[0095] If the detected first type of electronic payment service is the first predetermined electronic payment service, the electronic payment terminal device 10 performs payment processing using the detected second type of electronic payment service (S38).

[0096] On the other hand, if the detected first type of electronic payment service is not the first predetermined electronic payment service, the electronic payment terminal device 10 performs a process to accept the selection of an electronic payment service (electronic payment service selection process) (S36), and then performs payment processing using the first or second type of electronic payment service selected therein (S37, 38).

[0097] As mentioned above, in the electronic payment terminal device 10 of the present invention, even if the detected electronic payment service is "(D) two or more first-type electronic payment services and one second-type electronic payment service" as described above, if the detected first-type electronic payment service includes the second predetermined electronic payment service, the device can also perform payment using that second predetermined electronic payment service, similar to "(C) one first-type electronic payment service and one second-type electronic payment service".

[0098] The above is an example of the processing flow of the electronic payment terminal device 10 installed in a vending machine. This processing flow enables the electronic payment terminal device 10 to process payments quickly.

[0099] Figure 7 is a flowchart showing a second example of the processing flow of the electronic payment terminal device 10. The flowchart in Figure 7 shows the processing flow of the electronic payment terminal device 10 installed in the payment machine.

[0100] A payment machine differs from a vending machine in that there is no product selection, and the payment amount is determined in advance.

[0101] In the electronic payment terminal device 10 equipped with a payment machine, first, information on the payment amount is transmitted from the main control unit of the payment machine to the control unit 11 of the electronic payment terminal device 10 via the first communication unit.

[0102] Upon receiving information on the settlement amount from the payment machine, the electronic payment terminal device 10 enters a state where it can accept the pre-selection of an electronic payment service and enters a state where it can read an electronic payment medium (S91). More specifically, the state in which it can read an electronic payment medium means that it accepts the electronic payment medium being touched to the short-range wireless communication unit 15 and the code displayed on the electronic payment medium being photographed by the scanning unit 16, and is in a state in which it can read the electronic payment medium.

[0103] If a pre-selection of an electronic payment service is received, the payment processing is performed using the pre-selected electronic payment service (S94).

[0104] On the other hand, if the electronic payment medium is read without accepting prior selection of an electronic payment service, the electronic payment terminal device 10 performs the same processing as the payment processing without prior selection S3 in the first example of the processing flow of the electronic payment terminal device 10 described above (S93).

[0105] The above is an example of the processing flow of the electronic payment terminal device 10 installed in the payment machine. This processing flow enables the electronic payment terminal device 10 to process payments quickly.

[0106] Although one embodiment of the present invention has been described above, the electronic payment terminal device of the present invention is not limited to the above-described embodiment. The electronic payment terminal device of the present invention can be implemented in various other forms, and various omissions, substitutions, modifications, and additions can be made without departing from the spirit of the invention.

[0107] Furthermore, the present invention may also take the following configuration: [Item 1] An electronic payment terminal device that can handle a first type of electronic payment service and a second type of electronic payment service registered on an electronic payment medium, wherein the first type of electronic payment service uses wireless communication according to a first wireless communication standard and two or more can be registered on the electronic payment medium, the second type of electronic payment service uses wireless communication according to a second wireless communication standard and only one can be registered on the electronic payment medium, the electronic payment terminal device includes a control unit that detects the electronic payment service registered on the electronic payment medium and processes a settlement using that electronic payment service, the control unit detects the first type of electronic payment service and the second type of electronic payment service, and if the detected first type of electronic payment service is only one predetermined settlement service from among the first type of electronic payment services, the electronic payment terminal device processes a settlement using the second type of electronic payment service. [Item 2] An electronic payment terminal device as described in Item 1, wherein the first type of electronic payment service is an electronic money electronic payment service, and the second type of electronic payment service is a credit card contactless payment service. [Item 3] An electronic payment terminal device as described in Item 2, wherein the first predetermined electronic payment service is an electronic money electronic payment service linked to a credit card corresponding to the credit card of the second type of electronic payment service. [Item 4] An electronic payment terminal device as described in any one of Items 1 to 3, further comprising a display unit that displays an electronic payment service selection screen. [Item 5] An electronic payment terminal device as described in Item 4, wherein the control unit, when it detects only the first type of electronic payment service, performs payment processing using the detected electronic payment service if there is only one first type of electronic payment service detected, and when there are two or more first type of electronic payment services detected, causes the display unit to display an electronic payment service selection screen.[Item 6] An electronic payment terminal device according to item 4 or 5, wherein the control unit detects the first type of electronic payment service and the second type of electronic payment service, and if there are two or more detected first type of electronic payment services, the control unit displays an electronic payment service selection screen on the display unit. [Item 7] An electronic payment terminal device according to any one of items 1 to 6, wherein the control unit detects only the second type of electronic payment service, and performs payment processing using the detected second type of electronic payment service. [Item 8] An electronic payment terminal device according to any one of items 1 to 7, wherein the control unit detects the first type of electronic payment service and the second type of electronic payment service, and if the detected first type of electronic payment service is only a second predetermined payment service selected from the first type of electronic payment services, the control unit performs payment processing using the second predetermined electronic payment service. [Item 9] An electronic payment terminal device according to any one of Items 1 to 8, wherein the electronic payment terminal device is further capable of supporting a third type of electronic payment service registered on the electronic payment medium, the third type of electronic payment service is a code payment service that performs payment by reading a code displayed on the electronic payment medium, and the control unit, when it detects the third type of electronic payment service, performs payment processing using the third type of electronic payment service.

[0108] 10 Electronic payment terminal device 11 Control unit 12 Storage unit 13 First communication unit 14 Second communication unit 15 Short-range wireless communication unit 16 Imaging unit 17 Display unit 18 Input unit 17, 18 Touch panel

Claims

1. An electronic payment terminal device capable of handling a first type of electronic payment service and a second type of electronic payment service registered on an electronic payment medium, wherein the first type of electronic payment service utilizes wireless communication according to a first wireless communication standard and can be registered in two or more cases on the electronic payment medium, and the second type of electronic payment service utilizes wireless communication according to a second wireless communication standard and can be registered in only one case on the electronic payment medium, the electronic payment terminal device comprises a control unit that detects the electronic payment service registered on the electronic payment medium and processes a payment using that electronic payment service, and the control unit detects the first type of electronic payment service and the second type of electronic payment service, and if the detected first type of electronic payment service is a first predetermined payment service selected from among the first type of electronic payment services, the electronic payment terminal device processes a payment using the second type of electronic payment service.

2. An electronic payment terminal device according to claim 1, wherein the first type of electronic payment service is an electronic money electronic payment service, and the second type of electronic payment service is a credit card contactless payment service.

3. An electronic payment terminal device according to claim 2, wherein the first predetermined electronic payment service is an electronic payment service of electronic money linked to a credit card corresponding to the second type of electronic payment service.

4. An electronic payment terminal device according to claim 1, further comprising a display unit for displaying a screen for selecting an electronic payment service.

5. An electronic payment terminal device according to claim 4, wherein the control unit detects only the first type of electronic payment service, and if there is only one detected first type of electronic payment service, it performs payment processing using the detected electronic payment service, and if there are two or more detected first type of electronic payment services, it causes the display unit to display an electronic payment service selection screen.

6. An electronic payment terminal device according to claim 4, wherein the control unit detects the first type of electronic payment service and the second type of electronic payment service, and if there are two or more detected first type of electronic payment services, the control unit displays an electronic payment service selection screen on the display unit.

7. An electronic payment terminal device according to claim 1, wherein the control unit detects only the electronic payment service of the second type and performs payment processing using the detected electronic payment service of the second type.

8. An electronic payment terminal device according to claim 1, wherein the control unit detects the first type of electronic payment service and the second type of electronic payment service, and if the detected first type of electronic payment service is a second predetermined payment service selected from the first type of electronic payment services, the electronic payment terminal device performs payment processing using the second predetermined electronic payment service.

9. An electronic payment terminal device according to claim 1, wherein the electronic payment terminal device is further capable of supporting a third type of electronic payment service registered on the electronic payment medium, the third type of electronic payment service is a code payment service that performs payment by reading a code displayed on the electronic payment medium, and the control unit, when it detects the third type of electronic payment service, performs payment processing using the third type of electronic payment service.

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