JP2018151875A - Settlement processing system, POS terminal, server device and settlement terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To dynamically combine a POS terminal and a payment terminal to be linked, and to perform a payment process without storing card information in the POS terminal. A payment processing system includes a POS terminal, a payment terminal, and a server device. The POS terminal includes a communication unit that communicates with the server device and a control unit that transmits the payment amount for the payment terminal to process the payment to the server device. The server device includes a communication unit that communicates with the POS terminal or the payment terminal, and a control unit that receives the payment amount from the POS terminal and transmits the received payment amount to the payment terminal. The payment terminal includes a communication unit that communicates with the server device, and a control unit that receives a payment amount from the server device and executes payment processing based on the received payment amount. [Selection diagram] Fig. 1

Description

  The present invention relates to a payment processing system, a POS terminal, a server device, and a payment terminal.

  There is a system in which a sales amount calculated by a POS terminal is settled by a settlement terminal that executes a settlement process using a credit card (see, for example, Patent Document 1). In such a system, when the POS terminal and the payment terminal are not linked, it is necessary to manually input the amount calculated by the POS terminal into the payment terminal. For this reason, an amount different from the amount calculated at the POS terminal may be input to the payment terminal due to an input error or the like, and payment may be made with a different amount. Further, when the POS terminal and the payment terminal are linked, the POS terminal and the payment terminal are usually connected by wire, and in order to use the payment terminal, the customer is connected to the POS terminal. The card must be taken to the place where the terminal is installed, or the store clerk must keep the customer's card and bring the card to the place where the payment terminal connected to the POS terminal is installed. When a card reading device is added to the POS terminal, personal information such as a membership number read from the card is stored in the POS terminal.

JP 2012-226394 A

  However, keeping the customer's card by the store clerk may lead to fraud such as skimming, which is dangerous for security. In addition, recently, since the identification of the card is performed using a personal identification number by making the card into an IC, it is necessary for the customer to go to the place where the payment terminal connected to the POS terminal is installed. Further, when the POS terminal and the payment terminal are connected by wire, there is a problem that the card payment cannot be made unless the POS terminal to which the payment terminal is connected is used. Further, when personal information such as a membership number is stored in the POS terminal, there is a security risk such as leakage of stored personal information.

  Therefore, the present invention has been made in view of the above circumstances, and it is possible to dynamically combine linked POS terminals and payment terminals, and to perform payment processing without storing card information in the POS terminals. An object is to provide a payment processing system, a POS terminal, a server device, and a payment terminal.

  Some aspects of the present invention are a payment processing system including a POS terminal, a payment terminal, and a server device, and the POS terminal performs a payment process on the payment terminal and a communication unit that communicates with the server device. A control unit that transmits a payment amount to the server device, the server device receives the payment amount from the POS terminal or the communication unit that communicates with the payment terminal, and receives the payment amount. A control unit that transmits the payment amount to the payment terminal, wherein the payment terminal receives the payment amount from the communication unit that communicates with the server device, and the server device. And a control unit that executes a settlement process based on the settlement processing system.

  The payment processing system according to another aspect of the present invention includes a plurality of the POS terminals, and the server device includes a database that manages a state of payment processing based on a payment amount received from each POS terminal, The control unit of the server device transmits a payment amount for which payment processing has not started to the payment terminal, and the payment terminal performs payment processing when receiving a single or a plurality of payment amounts from the server device. The payment unit includes a selection unit that selects a payment amount, and the control unit of the payment terminal executes a payment process based on the payment amount selected by the selection unit.

  In the payment processing system according to another aspect of the present invention, the control unit of the server device transmits identification information for identifying the POS terminal that is a transmission source of the payment amount together with the payment amount, The selection unit displays the payment amount and the identification information of the POS terminal in association with each other, and receives an input for selecting the payment amount.

  According to another aspect of the present invention, there is provided a POS terminal in a payment processing system including a POS terminal, a payment terminal, and a server device, wherein the communication unit communicates with the server device, and payment processing is performed on the payment terminal. A POS terminal comprising: a control unit that transmits a settlement amount to the server device.

  Another aspect of the present invention is the server device in a payment processing system including a POS terminal, a payment terminal, and a server device, the communication unit communicating with the POS terminal or the payment terminal, and the POS And a control unit that transmits the received payment amount to the payment terminal in order to receive the payment amount from the terminal and perform a payment process.

  Moreover, the other aspect of this invention is the said payment terminal in the payment processing system containing a POS terminal, a payment terminal, and a server apparatus, Comprising: The communication part which communicates with the said server apparatus, It received from the said server apparatus And a control unit that executes a payment process based on the payment amount.

  According to the present invention, the linked POS terminal and the payment terminal can be dynamically combined, and the payment process can be performed without storing the card information in the POS terminal.

It is a figure showing the whole settlement processing system composition in this embodiment of the present invention. It is a block diagram which shows the structure of the payment terminal in this embodiment. It is a block diagram which shows the structure of the POS terminal in this embodiment. It is a block diagram which shows the structure of the POS cooperation server in this embodiment. It is the schematic which shows the data structure and data example of the store information database in this embodiment. It is the schematic which shows the data structure and data example of the POS payment database in this embodiment. It is an image figure which shows an example of the screen which the POS terminal in this embodiment displays. It is an image figure which shows an example of the screen which the payment terminal in this embodiment displays. It is a sequence diagram which shows an example of operation | movement of the POS cooperation process of the payment processing system in this embodiment. It is a sequence diagram which shows an example of operation | movement of the POS cooperation process of the payment processing system in this embodiment. It is the flowchart which showed the process procedure of the POS cooperation process which the POS terminal in this embodiment performs. It is the flowchart which showed the process procedure of the POS cooperation payment process which the payment terminal in this embodiment performs. It is the flowchart which showed the process procedure of the POS cooperation process which the POS cooperation server in this embodiment performs. It is the flowchart which showed the process procedure of the POS cooperation process which the POS cooperation server in this embodiment performs. It is a figure which shows the other structural example of a payment processing system. It is a figure which shows the other structural example of a payment processing system. It is a figure which shows the other structural example of a payment processing system.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. In the drawings, the same parts are denoted by the same reference numerals. FIG. 1 is a diagram showing an overall configuration of a payment processing system S1 in the present embodiment. The payment processing system S1 is a system that performs payment processing using a card such as a credit card, a debit card, or electronic money. As shown in the figure, the payment processing system S1 includes a payment terminal 1, a POS terminal 2, and a POS cooperation server 3. The settlement terminal 1 and the POS terminal 2 communicate with each other via a wireless connection via a wireless LAN (Local Area Network) via the wireless router 4. The settlement terminal 1 and the POS terminal 2 communicate with the POS cooperation server 3 via the wireless router 4 and the public wireless communication network. The wireless router 4 has a wired LAN and wireless LAN access point function, and performs data communication via a public wireless communication network.

  In the figure, two payment terminals 1 and three POS terminals 2 are shown. However, the present invention is not limited to this, and there may be one payment terminal 1 and one POS terminal 2 or a plurality of payment terminals 1. There may be. Further, the number of settlement terminals 1 and the number of POS terminals 2 may be the same or different.

  The settlement terminal 1 is a device that reads a card such as a credit card, a debit card, or electronic money and inputs a personal identification number. The POS terminal 2 is a device for inputting transaction contents such as selection of business contents such as sales of credits and debits, acceptance of cancellations and account transfers, cancellations, and amounts.

  The POS linkage server 3 is a server device that is installed in, for example, an information processing center and controls the settlement processing system S1 in an integrated manner. The POS linkage server 3 manages payment information related to payment and the payment terminal 1. The POS cooperation server 3 has a function of combining the payment terminal 1 and the POS terminal 2 in cooperation. The POS cooperation server 3 also has a relay function with a card payment service center for payment of a credit card or the like and an electronic money center for payment of electronic money.

  Next, the payment terminal 1 will be described. FIG. 2 is a block diagram showing the configuration of the payment terminal 1 in the present embodiment. As shown in the figure, the settlement terminal 1 includes a control unit 101, a display unit 102, a printing unit 103, a wireless communication unit 104, a key input unit 105, an IC card reading unit 106, and a magnetic card reading unit 107. Is provided.

  The control unit 101 includes a CPU (Central Processing Unit) and controls the entire payment terminal 1. The display unit 102 is a liquid crystal display (LCD, Liquid Crystal Display), an organic EL (Electro-Luminescence) display, or the like, and displays various information.

  The printing unit 103 is a printer that prints on paper and issues a slip. The wireless communication unit 104 wirelessly communicates with the POS terminal 2 and the POS cooperation server 3. The key input unit 105 is various buttons, a touch panel arranged on the display unit 102, and the like, and receives input from an operator or the like.

  The IC card reading unit 106 is a card reader that reads card information related to the card from the IC card. The magnetic card reading unit 107 is a card reader that reads card information from a magnetic card.

  Next, the POS terminal 2 will be described. FIG. 3 is a block diagram showing the configuration of the POS terminal 2 in the present embodiment. As illustrated, the POS terminal 2 includes a control unit 201, a display unit 202, a printing unit 203, a communication unit 204, a key input unit 205, a cash storage unit 206, and a magnetic card reading unit 207. .

  The control unit 201 includes a CPU and controls the POS terminal 2 as a whole. The display unit 202 is a liquid crystal display, an organic EL display, or the like, and displays various information. The printing unit 203 is a printer that prints on paper and issues a slip.

  The communication unit 204 communicates with the payment terminal 1 and the POS cooperation server 3. The key input unit 205 is various buttons, a touch panel arranged on the display unit 202, and the like, and receives input from an operator or the like. The cash storage unit 206 is a drawer that stores cash. The magnetic card reading unit 207 is a card reader that reads card information from a magnetic card.

  Next, the POS cooperation server 3 will be described. FIG. 4 is a block diagram showing a configuration of the POS cooperation server 3 in the present embodiment. As illustrated, the POS cooperation server 3 includes a control unit 301, a communication control unit 302, a credit payment control unit 303, a POS payment database 304, and a store information database 305.

  The control unit 301 includes a CPU and controls the entire POS cooperation server 3. The communication control unit 302 communicates with other devices (for example, the payment terminal 1 and the POS terminal 2). Based on the payment processing information received from the payment terminal 1, the credit payment control unit 303 is connected to a card payment service center or an electronic money center and executes payment processing using a credit card or electronic money.

  The POS payment database 304 stores a list of POS cooperation requests transmitted from each POS terminal 2. The POS cooperation request includes a payment amount (sales amount) to be processed by the payment terminal 1, and is a request for linking the POS terminal 2 and the payment terminal 1 in combination. The store information database 305 stores a list of payment terminals 1 installed in each store.

  FIG. 5 is a schematic diagram illustrating a data structure and a data example of the store information database 305 in the present embodiment. The store information database 305 stores the system store number and the terminal identification number of the payment terminal 1 in association with each other. The system store number is an identification number of each store. The terminal identification number of the payment terminal 1 is the identification number of the payment terminal 1 installed in the corresponding store.

  In the example shown in the figure, at the store with the system store number “1401001234”, three settlement terminals 1 with terminal identification numbers “111112345567890”, “111122222222222” and “111133333333333” are installed. Further, in the store with the system store number “1401001111”, two payment terminals 1 with terminal identification numbers “12341111111111” and “123409987654321” are installed. In addition, one settlement terminal 1 having a terminal identification number “555551345567890” is installed in a store having a system store number “15020033333”.

  FIG. 6 is a schematic diagram showing a data structure and a data example of the POS payment database 304 in the present embodiment. The POS payment database 304 stores a system store number, a POS number, an amount, a terminal identification number, and a state in association with each other. The system store number is a store identification number. The POS number is an identification number of the POS terminal 2. The amount is a sales amount (settlement amount) to be processed for settlement. The terminal identification number is a terminal identification number of the payment terminal 1 that executes payment processing based on the payment amount in cooperation with the POS terminal 2. The state indicates the state of the settlement process. For example, the state “waiting for terminal connection” is a state in which payment processing is not started and waiting for connection with the payment terminal 1. In some cases, the payment terminal 1 is not connected from the “waiting for terminal connection” state, and the payment is completed by cash payment or electronic money. However, this case will not be described in this embodiment. .

  The state “waiting for payment completion” is a state in which payment processing is started in the payment terminal 1 and is waiting for payment processing via the POS cooperation server 3 to be completed. In the state “waiting for POS completion”, the payment processing at the payment terminal 1 is completed, and the processing at the POS terminal 2 is completed (the POS cooperation server 3 receives a POS cooperation completion notification from the POS terminal 2). Waiting for The combination of the system store number, the POS number, and the amount is the POS cooperation request.

  In the illustrated example, the amount “460” of the POS number “01” of the system store number “1401001234” has a status of “waiting for terminal connection”. Further, the amount “680” of the POS number “02” of the system store number “1401001234” has the terminal identification number “111122222222222” and the state “waiting for payment completion”. Further, the amount “153,000” of the POS number “03” of the system store number “1401001234” has the terminal identification number “11113333333333” and the status “POSITION COMPLETED”. In addition, the amount “9,800” of the POS number “02” of the system store number “1401001111” has a status of “waiting for terminal connection”. In the system store number “1502003333”, the POS cooperation request is not registered.

  Next, the operation in the settlement processing system S1 according to the present embodiment will be described. In the settlement processing system S1, when the transaction is settled by credit card, debit card or electronic money, the settlement terminal 1 linked with the POS terminal 2 performs settlement processing on the sales amount calculated in the POS terminal 2. At this time, the POS cooperation server 3 determines the payment terminal 1 that cooperates with the POS terminal 2, and transmits the sales amount calculated by the POS terminal 2 to the payment terminal 1 for payment processing.

  FIG. 7 is an image diagram showing an example of a screen displayed by the POS terminal 2 in the present embodiment. For example, when the registration of the product to be sold is completed, the POS terminal 2 calculates the sales amount that is the total amount of the product, and displays the settlement screen shown in FIG. On the settlement screen, a list of product names and amounts of registered products “Coffee 100, Tea 110, Cake 250”, a total amount of sales “460”, a cash button for settlement with cash, An electronic money button for settlement with electronic money and a credit button for settlement with a credit card are displayed.

  When the credit button is selected on the settlement screen and the settlement process using the credit card is started in the settlement terminal 1, the POS terminal 2 displays a communication screen shown in FIG. On the communication screen, “POS01” indicating its own device, “Payment terminal 01” indicating the payment terminal 1 that performs payment processing of the sales amount in cooperation with the POS terminal 2, and the payment terminal 1 being in the payment process “During communication”, a sales amount “460”, a cash button, an electronic money button, and a credit button are displayed. At this time, the credit button is displayed in a display mode different from the cash button and the electronic money button (for example, the color of the button is changed) to indicate that it has been selected.

  Thereafter, when the payment process is completed at the payment terminal 1, the POS terminal 2 displays a completion screen shown in FIG. On the completion screen, “POS01” indicating the device itself, “payment terminal 01” indicating the payment terminal 1 that performs payment processing of the sales amount in cooperation with the POS terminal 2, and “completion” indicating that the payment processing is completed. The sales amount “460”, a cash button, an electronic money button, and a credit button are displayed. At this time, the credit button is displayed in a display mode different from the cash button and the electronic money button (for example, the color of the button is changed) to indicate that it has been selected.

  FIG. 8 is an image diagram illustrating an example of a screen displayed by the payment terminal 1 in the present embodiment. The settlement terminal 1 displays an initial screen shown in FIG. 8A when in the initial state. A start button for starting processing is displayed on the initial screen.

  When the start button accepts input on the initial screen and receives a list of POS numbers and sales amounts from the POS cooperation server 3, the settlement terminal 1 displays a selection screen shown in FIG. A list of received POS numbers and sales amounts “POS01 460, POS02 1980” is displayed on the selection screen in a selectable manner.

  The payment terminal 1 displays a payment processing screen shown in FIG. 8C when the sales amount to be processed for payment is selected from the list on the selection screen and the payment processing based on the selected sales amount is started. The POS terminal 2 “POS01” to be linked, the sales amount “460” to be processed for payment, and “communicating with center” indicating that the payment is being processed are displayed on the screen during payment processing.

When payment processing is completed, payment terminal 1 displays a payment completion screen shown in FIG. On the payment completion screen, the linked POS terminal 2 “POS01”, the sales amount “460” for which payment processing has been performed, and “completion” indicating that payment processing has been completed are displayed.

  FIG. 9 and FIG. 10 are sequence diagrams showing an example of the operation of the POS cooperation processing of the payment processing system S1 in the present embodiment. This figure shows the sales amount “460” calculated by the POS terminal 2 with the POS number “01” installed in the store with the system store number “1401001234”, and the payment terminal 1 with the terminal identification number “11111234567890” using a credit card. The operation in the case of settlement processing is shown.

  First, the operator presses the credit button displayed on the settlement screen to settle with a credit card when the product registration is completed and the settlement screen (FIG. 7A) is displayed on the POS terminal 2. To do. The POS terminal 2 receives an input from the credit button on the checkout screen, and when settlement by credit card occurs (step S101), transmits a POS cooperation request to the POS cooperation server 3 (step S102). The POS cooperation request includes the system store number “1401001234” of the store where the POS terminal 2 is installed, the POS number “01” of the POS terminal 2, and the sales amount “460”.

  When receiving the POS cooperation request from the POS terminal 2, the POS cooperation server 3 adds the received POS cooperation request to the POS settlement database 304 (step S103).

  Subsequently, the operator selects the payment terminal 1 to be processed for payment, and presses the start button on the initial screen (FIG. 8A) displayed on the selected payment terminal 1. When the start button accepts an input on the initial screen, the payment terminal 1 starts a POS linked payment process that performs a payment process in cooperation with the POS terminal 2 (step S104). Thereafter, the settlement terminal 1 transmits a POS cooperation inquiry including the terminal identification number “111112345567890” of the own apparatus to the POS cooperation server 3 (step S105).

  When the POS cooperation server 3 receives the POS cooperation inquiry from the settlement terminal 1, the POS cooperation server 3 reads the system store number “1401001234” corresponding to the terminal identification number “111112345567890” included in the received POS cooperation inquiry from the store information database 305, and stores the system store A POS cooperation request whose number is “1401001234” and whose state is “waiting for terminal connection” is searched from the POS payment database 304 (step S106). Then, the POS cooperation server 3 transmits a POS cooperation response as a result of the search to the payment terminal 1 (step S107). The POS cooperation response includes a list of searched POS numbers and sales amounts (POS number 01 460, POS number 02 1980).

  When receiving the POS cooperation response from the POS cooperation server 3, the payment terminal 1 displays a list of POS numbers and sales amounts included in the received POS cooperation response on the selection screen (FIG. 8B) (step S108). Then, the payment terminal 1 accepts a POS number selection input on the selection screen (step S109). The operator selects the POS number “01” from the list of POS numbers and sales amounts displayed on the selection screen.

  When receiving the POS number selection input on the selection screen, the payment terminal 1 transmits a POS selection notification to the POS cooperation server 3 (step S110). The POS selection notification includes the selected POS number “01” and the sales amount “460”.

  When receiving the POS selection notification from the settlement terminal 1, the POS cooperation server 3 transmits the POS cooperation notification to the POS terminal 2 (step S111). The POS cooperation notification includes the terminal identification number “111112345567890”, the POS number “01”, and the sales amount “460”.

  When the POS terminal 2 receives the POS cooperation notification from the POS cooperation server 3, the POS terminal 2 collates the POS number included in the received POS cooperation notification with the sales amount (step S112), and displays a communication screen (FIG. 7B). indicate. Thereafter, the POS terminal 2 transmits a POS cooperation confirmation to the POS cooperation server 3 (step S113). The POS cooperation confirmation includes the collation confirmation result in step S112.

  When receiving the POS cooperation confirmation from the POS terminal 2, the POS cooperation server 3 transmits a POS selection response to the settlement terminal 1 (step S114). The POS selection response includes a POS number “01” and a sales amount “460”. Thereafter, the POS cooperation server 3 writes the terminal identification number “111112345567890” in the POS cooperation request corresponding to the system store number “1401001234”, the POS number “01”, and the sales amount “460”, and waits for the completion of the settlement. The POS payment database 304 is updated (step S115).

  When the payment terminal 1 receives the POS selection response from the POS cooperation server 3, the POS number “01” and the sales amount “460” included in the received POS selection response are displayed on the payment processing in progress screen (FIG. 8C). Displayed (step S116). Thereafter, the payment terminal 1 executes a payment process using a credit card via the POS cooperation server 3 (step S117).

  When payment processing is completed, the payment terminal 1 displays a payment completion screen (FIG. 8D) and transmits a payment completion notification to the POS cooperation server 3 (step S118). The POS payment completion notification includes a completion state (payment completion) indicating a state where the payment process is completed and a part of card information of the card used for the payment process. This partial information is information that is impossible to specify card information, such as information that is printed on a receipt that is issued upon completion of payment, such as information of only a few digits of a multi-digit card number. . A specific example of the partial information is “******* 1 ***” indicating only the last 4 digits of the 16-digit card number.

  When the payment completion notification is received from the payment terminal 1, the POS cooperation server 3 updates the state corresponding to the terminal identification number “11111234567890” in the POS payment database 304 to a POS completion waiting state (step S119). Thereafter, the POS cooperation server 3 transmits a POS cooperation response to the POS terminal 2 (step S120). The POS cooperation response includes a terminal identification number “111112345567890”, a completion state (payment completion), and a part of card information.

  When receiving the POS cooperation response from the POS cooperation server 3, the POS terminal 2 displays a completion screen (FIG. 7C) and transmits a POS cooperation completion notification to the POS cooperation server 3 (step S121). Upon receiving the POS cooperation completion notification from the POS terminal 2, the POS cooperation server 3 deletes the POS cooperation request corresponding to the system store number “1401001234”, the POS number “01”, and the sales amount “460” from the POS payment database 304. (Step S122). Thereafter, the process ends.

  As described above, the POS cooperation server 3 stores the POS cooperation request regarding the payment from the POS terminal 2, and the payment terminal 1 selects the POS terminal 2 by transmission / reception with the POS cooperation server 3. Therefore, the POS terminal 2 and the payment terminal 1 can be dynamically combined by the POS cooperation server 3 according to the situation at that time. Further, in principle, since important information such as personal information in the card information is not transmitted and stored in the POS terminal 2, security risks such as leakage of personal information can be avoided.

  FIG. 11 is a flowchart showing the processing procedure of the POS cooperation processing executed by the POS terminal 2 in the present embodiment. In this figure, the process which the POS terminal 2 performs in the POS cooperation process of the payment processing system S1 mentioned above is shown. When there is a correspondence, the processing numbers in FIGS. 9 and 10 are also added.

(Step S201) The control unit 201 transmits a POS cooperation request to the POS cooperation server 3 via the communication unit 204 (corresponding to step S102). Thereafter, the process proceeds to step S202.
(Step S202) The control unit 201 receives a POS cooperation notification from the POS cooperation server 3 via the communication unit 204 (corresponding to step S111). Thereafter, the process proceeds to step S203.

  (Step S203) The control unit 201 collates the POS number and the sales amount included in the POS cooperation notification (corresponding to step S112). For example, the control unit 201 determines that the verification result is OK when the POS number is that of the own device and the sales amount is the same as that included in the POS cooperation request transmitted in step S201, and verification is performed otherwise. The result is NG. Thereafter, the process proceeds to step S204.

  (Step S204) The control unit 201 determines whether the collation result is OK or NG. If the control unit 201 determines that the collation result is OK, the process proceeds to step S205. If the control unit 201 determines that the collation result is NG, the process ends.

  (Step S <b> 205) The control unit 201 transmits a POS cooperation confirmation indicating that the collation result is NG to the POS cooperation server 3 via the communication unit 204. Thereafter, the process ends.

(Step S206) The control unit 201 transmits a POS cooperation confirmation indicating that the collation result is OK to the POS cooperation server 3 via the communication unit 204 (corresponding to step S113). Thereafter, the process proceeds to step S207.
(Step S207) The control unit 201 receives a POS cooperation response from the POS cooperation server 3 via the communication unit 204 (corresponding to step S120). Thereafter, the process proceeds to step S208.

  (Step S208) The control unit 201 determines whether the response content of the received POS cooperation response is a payment completion indicating that the payment processing is completed or a payment failure indicating that the payment processing is failed. If the control unit 201 determines that the payment is complete, the process proceeds to step S209. If the control unit 201 determines that the payment has failed, the process ends.

  (Step S209) The control unit 201 transmits a POS cooperation completion notification to the POS cooperation server 3 via the communication unit 204 (corresponding to step S121). Thereafter, the process ends.

  FIG. 12 is a flowchart showing the processing procedure of the POS cooperative payment process executed by the payment terminal 1 in the present embodiment. In this figure, the process which the payment terminal 1 performs in the POS cooperation process of the payment processing system S1 mentioned above is shown. When there is a correspondence, the processing numbers in FIGS. 9 and 10 are also added.

(Step S301) The control unit 101 transmits a POS cooperation inquiry to the POS cooperation server 3 via the wireless communication unit 104 (corresponding to step S105). Thereafter, the process proceeds to step S302.
(Step S302) The control unit 101 receives a POS cooperation response from the POS cooperation server 3 via the wireless communication unit 104 (corresponding to step S107). Thereafter, the process proceeds to step S303.

  (Step S303) The control unit 101 determines that the response content of the received POS cooperation response is a settlement request including a list of POS numbers and sales amounts, or does not include a list of POS numbers and sales amounts. It is determined whether there is no settlement request. If the control unit 101 determines that there is a settlement request, the process proceeds to step S305. If the control unit 101 determines that there is no settlement request, the process proceeds to step S304.

  (Step S304) The control unit 101 displays a screen indicating that there is no settlement request on the display unit 102. Thereafter, the process ends.

(Step S305) The control unit 101 displays a list of POS numbers and sales amounts included in the POS cooperation response on the display unit 102 (corresponding to step S108). Thereafter, the process proceeds to step S306.
(Step S306) The control unit 101 receives a POS number selection input (corresponding to step S109). Thereafter, the process proceeds to step S307.

(Step S307) The control unit 101 transmits a POS selection notification including the selected POS number and sales amount to the POS cooperation server 3 via the wireless communication unit 104 (corresponding to step S110). Thereafter, the process proceeds to step S308.
(Step S308) The control unit 101 receives a POS selection response from the POS cooperation server 3 via the wireless communication unit 104 (corresponding to step S114). Thereafter, the process proceeds to step S309.

  (Step S309) The control unit 101 determines whether the response content of the received POS selection response is a settlement request including a POS number and a sales amount or a settlement request not including a POS number and a sales amount. . If the control unit 101 determines that there is a settlement request, the process proceeds to step S311. If the control unit 101 determines that there is no settlement request, the process proceeds to step S310.

  (Step S <b> 310) The control unit 101 displays a screen indicating that there is no settlement request on the display unit 102. Thereafter, the process ends.

(Step S311) The control unit 101 displays the POS number and the sales amount included in the received POS selection response on the display unit 102 (corresponding to step S116). Thereafter, the process proceeds to step S312.
(Step S312) The control unit 101 confirms the POS number included in the received POS selection response. Thereafter, the process proceeds to step S313.

  (Step S313) The control unit 101 communicates with the POS cooperation server 3 based on, for example, card information read by the IC card reading unit 106 or the magnetic card reading unit 107, a code number input to the key input unit 105, or the like. As a result, the sales amount is settled (corresponding to step S117). Thereafter, the process proceeds to step S314.

  (Step S314) The control unit 101 transmits a settlement completion notification including the settlement result of the settlement process to the POS cooperation server 3 via the wireless communication unit 104 (corresponding to step S118). Thereafter, the process ends.

  13 and 14 are flowcharts showing the processing procedure of the POS cooperation processing executed by the POS cooperation server 3 in the present embodiment. In this figure, the process which the POS cooperation server 3 performs in the POS cooperation process of the payment processing system S1 mentioned above is shown. When there is a correspondence, the processing numbers in FIGS. 9 and 10 are also added.

(Step S401) The control unit 301 receives a POS cooperation request from the POS terminal 2 via the communication control unit 302 (corresponding to step S102). Thereafter, the process proceeds to step S402.
(Step S402) The control unit 301 registers the received POS cooperation request in the POS payment database 304 (corresponding to step S103). Thereafter, the process proceeds to step S403.

(Step S403) The control unit 301 receives a POS cooperation inquiry from the payment terminal 1 via the communication control unit 302 (corresponding to step S105). Thereafter, the process proceeds to step S404.
(Step S404) The control unit 301 searches the store information database 305 for a terminal identification number included in the received POS cooperation inquiry (corresponding to step S106). Thereafter, the process proceeds to step S405.

  (Step S405) The control unit 301 determines whether or not the terminal identification number included in the received POS cooperation inquiry is registered in the store information database 305. If the control unit 301 determines that it is registered, the process proceeds to step S407. If the control unit 301 determines that it is not registered, the process proceeds to step S406.

  (Step S <b> 406) The control unit 301 transmits a POS cooperation response indicating that the terminal is not registered to the payment terminal 1 via the communication control unit 302. Thereafter, the process ends.

  (Step S407) The control unit 301 specifies a system store number corresponding to the terminal identification number included in the received POS cooperation inquiry from the store information database 305. Then, the control unit 301 searches for a POS cooperation request corresponding to the specified system store number whose status is waiting for terminal connection. Thereafter, the process proceeds to step S408.

  (Step S408) The control unit 301 determines whether there is a corresponding POS cooperation request. If the control unit 301 determines that there is, the process proceeds to step S410. If the control unit 301 determines that there is not, the process proceeds to step S409.

  (Step S409) The control unit 301 transmits a POS cooperation response indicating no settlement request to the settlement terminal 1 via the communication control unit 302. Thereafter, the process ends.

(Step S410) The control unit 301 generates a list of POS numbers and sales amounts of the corresponding POS cooperation request. Thereafter, the process proceeds to step S411.
(Step S411) The control unit 301 transmits a POS cooperation response indicating that there is a settlement request to the settlement terminal 1 via the communication control unit 302, including the list of generated POS numbers and sales amounts (corresponding to step S107). . Thereafter, the process proceeds to step S412.

(Step S412) The control unit 301 receives a POS selection notification from the payment terminal 1 via the communication control unit 302 (corresponding to step S110). Thereafter, the process proceeds to step S413.
(Step S413) The control unit 301 searches the POS settlement database 304 for a POS cooperation request corresponding to the POS number and the sales amount included in the POS selection notification. Thereafter, the process proceeds to step S414.

  (Step S414) The control unit 301 determines whether there is a corresponding POS cooperation request. If the control unit 301 determines that there is, the process proceeds to step S415. On the other hand, if the control unit 301 determines that there is not, the process proceeds to step S420.

(Step S415) The control unit 301 checks the state of the corresponding POS cooperation request in the POS payment database 304. Thereafter, the process proceeds to step S416.
(Step S416) The control unit 301 determines whether or not the state is waiting for terminal connection. If the control unit 301 determines that the terminal is waiting for connection, the process proceeds to step S417. If the control unit 301 determines that the terminal connection is not waiting, the process proceeds to step S420.

(Step S417) The control unit 301 transmits a POS cooperation notification indicating that there is a settlement request to the POS terminal 2 via the communication control unit 302 (corresponding to step S111). Thereafter, the process proceeds to step S418.
(Step S418) The control unit 301 receives a POS cooperation confirmation from the POS terminal 2 via the communication control unit 302 (corresponding to step S113). Thereafter, the process proceeds to step S419.

  (Step S419) The control unit 301 determines whether the collation result included in the received POS cooperation confirmation is OK or NG. If the control unit 301 determines that it is OK, the process proceeds to step S421. If the control unit 301 that is NG determines, the process proceeds to step S420.

  (Step S <b> 420) The control unit 301 transmits a POS selection response indicating no settlement request to the settlement terminal 1 via the communication control unit 302. Thereafter, the process ends.

  (Step S421) The control unit 301 transmits a POS selection response indicating that there is a payment request to the payment terminal 1 via the communication control unit 302 (corresponding to step S114). Thereafter, the process proceeds to step S422.

(Step S422) The control unit 301 updates the state of the corresponding POS cooperation request in the POS payment database 304 to wait for payment completion (corresponding to step S115). Thereafter, the process proceeds to step S423.
(Step S423) The control unit 301 receives a payment completion notification from the payment terminal 1 via the communication control unit 302 (corresponding to step S118). Thereafter, the process proceeds to step S424.

  (Step S424) The control unit 301 determines whether the settlement result included in the received settlement completion notification is OK (settlement completion) or NG (settlement failure). If the control unit 301 determines that it is OK, the process proceeds to step S426. If the control unit 301 determines that the result is NG, the process proceeds to step S425.

  (Step S425) The control unit 301 transmits a POS cooperation response whose settlement result indicates a settlement failure to the POS terminal 2 via the communication control unit 302. Thereafter, the process proceeds to step S429.

(Step S426) The control unit 301 transmits a POS cooperation response whose settlement result indicates completion of settlement to the POS terminal 2 via the communication control unit 302 (corresponding to step S120). Thereafter, the process proceeds to step S427.
(Step S427) The control unit 301 updates the state of the corresponding POS cooperation request to POS completion waiting in the POS payment database 304 (corresponding to step S119). Thereafter, the process proceeds to step S428.

(Step S428) The control unit 301 receives a POS cooperation completion notification from the POS terminal 2 via the communication control unit 302 (corresponding to step S121). Thereafter, the process proceeds to step S429.
(Step S429) The control unit 301 deletes the corresponding POS cooperation request from the POS payment database 304 (corresponding to step S122). Thereafter, the process ends.

  As described above, in the present embodiment, the payment processing system S1 includes the payment terminal 1, the POS terminal 2, and the POS cooperation server 3. The POS terminal 2 includes a communication unit 204 that communicates with the POS cooperation server 3 and a control unit 201 that transmits a payment amount (sales amount) for causing the payment terminal 1 to perform payment processing to the POS cooperation server 3. The POS cooperation server 3 includes a communication control unit 302 that communicates with the POS terminal 2 or the payment terminal 1, and a control unit 301 that receives the payment amount from the POS terminal 2 and transmits the received payment amount to the payment terminal 1. . The payment terminal 1 includes a wireless communication unit 104 that communicates with the POS cooperation server 3 and a control unit 101 that receives a payment amount from the POS cooperation server 3 and executes a payment process based on the received payment amount.

  Thereby, the combination of the POS terminal 2 and the payment terminal 1 can be dynamically combined by the POS cooperation server 3. Therefore, the number of POS terminals 2 and the number of payment terminals 1 do not have to be the same, and any POS terminal 2 can use the payment terminal 1. Further, it is not necessary to manually input the sales amount calculated at the POS terminal 2 to the settlement terminal 1, and it becomes possible to reduce mistakes in the sales amount due to an input mistake. Further, since the POS terminal 2 and the payment terminal 1 do not need to be connected, it is not necessary for the customer to move to the place where the POS terminal 2 is installed, and convenience is improved.

  The payment processing system S1 includes a plurality of POS terminals 2, and the POS linkage server 3 includes a POS payment database 304 that manages the state of payment processing based on the payment amount received from each POS terminal 2, and a control unit 301 transmits to the payment terminal 1 a payment amount for which payment processing has not been started. Thereby, even if there are a plurality of POS terminals 2, the payment terminal 1 can be used by any POS terminal 2.

  Further, when receiving a single or a plurality of payment amounts from the POS cooperation server 3, the control unit 101 of the payment terminal 1 selects a payment amount to be processed for payment, and executes a payment process based on the selected payment amount. . At this time, the control unit 101 displays the payment amount and the POS number in association with each other on the display unit 102 and receives an input for selecting the payment amount. Accordingly, the operator can select a transaction (payment amount) to be processed by the payment terminal 1 from the displayed list, and convenience is improved.

  Note that all or a part of the functions of each unit included in the payment terminal 1, the POS terminal 2, or the POS cooperation server 3 in the above-described embodiment records a program for realizing these functions in a computer-readable recording medium. The program recorded on the recording medium may be read into a computer system and executed. Here, the “computer system” includes an OS and hardware such as peripheral devices.

  The “computer-readable recording medium” refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, and a CD-ROM, and a storage unit such as a hard disk built in the computer system. Furthermore, the “computer-readable recording medium” dynamically holds a program for a short time like a communication line when transmitting a program via a network such as the Internet or a communication line such as a telephone line. In this case, a volatile memory inside a computer system serving as a server or a client in that case may be included and a program that holds a program for a certain period of time. The program may be a program for realizing a part of the functions described above, and may be a program capable of realizing the functions described above in combination with a program already recorded in a computer system.

  Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and various modifications can be made without departing from the spirit of the present invention.

  For example, in the above-described embodiment, the payment processing system S1 in which a plurality of payment terminals 1 and POS terminals 2 communicate with the POS cooperation server 3 via the public wireless communication network via the wireless router has been described. The system configuration is not limited to this. For example, as shown in FIG. 15, the number of settlement terminals 1 and the number of POS terminals 2 may be one each. In addition, as shown in FIG. 16, the number of payment terminals 1 and POS terminals 2 is one each, the payment terminal 1 is directly connected to the public wireless communication network, and the POS terminal 2 is connected to the public wireless network via a router. You may connect to a communication network. Alternatively, as shown in FIG. 17, the number of payment terminals 1 is plural, the number of POS terminals 2 is larger than the payment terminal 1, the payment terminal 1 is directly connected to the public wireless communication network, and the POS terminal 2 You may connect to a public wireless communication network via a router.

  In the above-described embodiment, the POS cooperation server 3 installed in the information processing center has a function of linking the payment terminal 1 and the POS terminal 2 in combination. However, the present invention is not limited to this, and the server installed in the store The apparatus may have the function of the POS cooperation server 3. Alternatively, one of the POS terminals 2 may have the function of the POS cooperation server 3.

  DESCRIPTION OF SYMBOLS S1 ... Payment processing system, 1 ... Payment terminal, 2 ... POS terminal, 3 ... POS cooperation server, 101 ... Control part, 102 ... Display part, 103 ... Printing part, 104 ... wireless communication unit, 105 ... key input unit, 106 ... IC card reading unit, 107 ... magnetic card reading unit, 201 ... control unit, 202 ... display unit, 203 ..Printing unit 204 ... Communication unit 205 ... Key input unit 206 ... Cash storage unit 207 ... Magnetic card reading unit 301 ... Control unit 302 ... Communication control , 303... Credit settlement control unit, 304... POS settlement database, 305.

Claims (6)

A payment processing system including a POS terminal, a payment terminal, and a server device,
The POS terminal is
A communication unit communicating with the server device;
A control unit that transmits a payment amount for causing the payment terminal to perform payment processing to the server device;
With
The server device
A communication unit communicating with the POS terminal or the payment terminal;
A control unit that receives the payment amount from the POS terminal and transmits the received payment amount to the payment terminal;
With
The payment terminal is
A communication unit communicating with the server device;
A control unit that receives the payment amount from the server device and executes a payment process based on the received payment amount;
A payment processing system comprising: Including a plurality of the POS terminals;
The server device includes a database that manages the state of payment processing based on the payment amount received from each POS terminal,
The control unit of the server device transmits a payment amount for which payment processing has not started to the payment terminal,
The payment terminal includes a selection unit that selects a payment amount to be processed when a single or a plurality of payment amounts are received from the server device,
The payment processing system according to claim 1, wherein the control unit of the payment terminal executes a payment process based on a payment amount selected by the selection unit. The control unit of the server device transmits identification information for identifying the POS terminal that is a transmission source of the payment amount together with the payment amount,
The payment processing system according to claim 2, wherein the selection unit of the payment terminal receives an input for selecting a payment amount by displaying the payment amount and the identification information of the POS terminal in association with each other. The POS terminal in a payment processing system including a POS terminal, a payment terminal, and a server device,
A communication unit communicating with the server device;
A control unit that transmits a payment amount for causing the payment terminal to perform payment processing to the server device;
A POS terminal comprising: The server device in a payment processing system including a POS terminal, a payment terminal, and a server device,
A communication unit communicating with the POS terminal or the payment terminal;
A control unit that receives the payment amount from the POS terminal and transmits the received payment amount to the payment terminal in order to perform payment processing;
A server device comprising: The payment terminal in a payment processing system including a POS terminal, a payment terminal, and a server device,
A communication unit communicating with the server device;
A control unit that executes a payment process based on the payment amount received from the server device;
A payment terminal comprising:

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