JP2013239054A - Settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement system in a shop such as a restaurant and the like.SOLUTION: The settlement system includes: a settlement information storage part that stores coupon information and point information eligible for a discount at a shop; a communication process part that performs a communication between a portable communication terminal and a R/W device by the portable communication terminal being put into proximity to the R/W device provided at a register terminal of a shop; and a payment amount calculation part that identifies coupon information and point information available at a shop of the coupon information and the point information stored in the settlement information storage part, subtracts an amount equivalent to the coupon information and the point information from amount information received from the register terminal through the R/W device and thereby calculates a payment amount. The communication process part passes the payment amount information calculated by the payment amount calculation part over to the register terminal through the R/W device and thereby settles a payment at the shop by the payment amount.

Description

  The present invention relates to a settlement system in a store such as a restaurant.

  In the case of payment at a restaurant such as a restaurant, conventionally, by presenting a point card or the like, it is possible to receive a discount using the points accumulated there. In addition, in the case of payment via the Internet, for example, payment services such as Yahoo Wallet and PayPal are provided as services that allow users to make payments simply and securely, as in Non-Patent Document 1 and Non-Patent Document 2 below, for example. Has been. In addition to these, there are also Google Wallet and point services provided by various businesses.

Yahoo Japan Corporation, “Yahoo! Wallet”, [online], Internet <URL: http://wallet.yahoo.co.jp/> PayPal Pte. Ltd .. , "Online payment service PapPal (Paypal)-PayPal that can be used in Japan and overseas", Internet <URL: http://www.paypal.jp/jp>

  When paying at a restaurant or the like, the user needs to present a point card or the like to the employee of the cash register terminal. In addition to this, for example, when it is desired to enjoy a discount service using a coupon provided by the store, it is necessary to present the coupon together. At the store that received these presentations, the coupon is discounted from the purchase amount of the user, and the point card is read, etc., and the final payment amount is calculated by subtracting the point amount from the purchase amount. It must be made. For this reason, employees who operate cash register terminals must perform multiple tasks for a single payment. In addition, in order to minimize the user's payment amount, it is necessary to subtract the amount equivalent to the coupon from the purchase amount, and further perform a subtraction process with points. Since the amount of money will be high, you must also pay attention to the order. For this reason, the burden on the employees of cash register terminals is large.

  The above-mentioned Yahoo Wallet, PayPal, Google Wallet, etc. are useful in that they can be used for payment services on the Internet. In that case, payment can be made by automatically subtracting points. However, the settlement is limited to the Internet, and cannot be used for settlement at an actual store such as a restaurant.

  Therefore, in view of the above problems, the present inventor is a payment system that can be used for payment in an actual store such as a restaurant, and can reduce the burden on the employee of the cash register terminal of the store. Was invented.

  1st invention is the payment system which performs payment in a store using a portable communication terminal, Comprising: The said payment system stores the coupon information and point information which can receive a discount in the said store A communication processing unit that performs communication between the portable communication terminal and the R / W device by bringing the portable communication terminal close to the R / W device provided in the cash register terminal of the store; Among the coupon information and the point information stored in the settlement information storage unit, the coupon information and the point information that can be used at the store are identified and accepted from the cash register terminal via the R / W device. A payment amount calculation unit for calculating a payment amount by subtracting the amount corresponding to the identified coupon information and the amount corresponding to the point information from the amount information. The communication processing unit is a payment system in which payment information calculated by the payment amount calculation unit is passed to the cashier terminal via the R / W device, and payment is made at the store with the payment amount. is there.

  By configuring as in the present invention, if the user brings the portable communication terminal used by the user close to the R / W device at the time of payment at the store, the coupon information, point information, etc. stored therein are stored. The payment amount is automatically calculated using the discounted amount. Thus, the user can use different discounts such as coupon information and point information at the same time for payment at an actual store. Also, store employees can easily receive a discounted amount of money without complicated work, leading to reduced employee burden.

  In the above-mentioned invention, the payment information storage unit further stores value information, and the payment amount calculation unit includes the coupon information, the point information, and the value information stored in the payment information storage unit. The coupon information, the point information, and the value information that can be used in the store are specified, and the specified coupon information corresponds to the amount information received from the cash register terminal via the R / W device. It can also be configured as a settlement system that calculates the amount of payment by subtracting the amount corresponding to the amount of money, the amount of money corresponding to the point information, and the amount of money corresponding to the value information.

  As described above, payment may be performed using value information (information having a monetary value such as electronic money) charged in advance in addition to coupon information and point information. In this way, the payment procedure can be further simplified.

  In the above invention, the payment amount calculation unit subtracts the amount corresponding to the coupon information, the amount corresponding to the point information, and the amount corresponding to the value information from the amount information received from the cash register terminal. In this way, it can be configured as a settlement system that calculates the amount of payment.

  By subtracting in the order of the present invention, the user pays the least amount of money. Conventionally, when paying at a cashier terminal using both coupons and points, if the employee makes a mistake in this order, the discount received by the user is reduced, so this order is important. there were. However, caring about it was a burden for employees and led to delays in work. Therefore, the above-described problems can be solved by configuring as in the present invention.

  In the above-mentioned invention, the payment amount calculation unit receives the selection of which coupon information or point information to use when there are a plurality of the coupon information or the point information that can be used at the specified store. It can also be configured as a settlement system that further narrows down and specifies the coupon information or the point information.

  When there are a plurality of coupon information and point information that can be used in a certain store, it is preferable to leave it to the user to select which coupon information is used and how many points are used. Therefore, this can be dealt with by configuring as in the present invention.

  By configuring as in the present invention, the same technical effect as that of the first invention can be obtained. That is, a payment system that performs payment at a store using a portable communication terminal, wherein the payment system stores a payment information storage unit that stores coupon information and point information that can be discounted at the store; When the portable communication terminal is brought close to the R / W device provided in the cash register terminal of the store, communication is performed between the portable communication terminal and the R / W device, and stored in the settlement information storage unit The coupon information available at the store and the point information are sent to the cashier terminal via the R / W device, and after the payment at the cashier terminal is completed, the coupon information in the payment information storage unit and the coupon information A communication processing unit that updates point information, and the cash register terminal corresponds to the amount corresponding to the coupon information and the point information from the amount information of the cash register terminal. Calculating the payment amount by subtracting the amount, having a payment amount calculation unit, to perform the payment of the shop, a payment system.

  In the configuration of the present invention, the payment amount calculation unit is provided in the cash register terminal. As a result, the program amount of the portable communication terminal of the user can be reduced. In addition, processing can be performed at higher speed by performing processing on the cashier terminal side.

  By using the payment system of the present invention, it can be used for payment at an actual store such as a restaurant, and the burden on the employee of the cash register terminal of the store can be reduced. Moreover, since the amount of payment is automatically calculated so that the amount of payment is the lowest for the user, the amount of payment is not increased for the user due to the mistake of the store clerk, and there is an advantage. .

It is a figure which shows typically an example of the system configuration | structure of this invention. It is a figure which shows typically an example of the hardware constitutions of this invention. It is a flowchart which shows an example of the process of this invention typically. It is a figure which shows typically an example of a payment information storage part. 1 is a diagram schematically showing the overall concept of Example 1. FIG. It is a figure which shows typically an example of the system configuration | structure of the other embodiment of this invention. It is a flowchart which shows typically an example of the process of the other embodiment of this invention. It is a figure which shows typically an example of the other embodiment of a payment information storage part. It is a figure which shows typically the whole concept of Example 2. FIG.

  A conceptual diagram of an example of a system configuration of the settlement system 1 of the present invention is schematically shown in FIG. Communication is possible between the portable communication terminal 2 used by the user and the R / W device 3 installed in the store. The R / W device 3 is connected to a cash register terminal 4 such as a POS cash register. In the following description, the case of a restaurant is described as a store, but the present invention is not limited to this, and can be applied to stores of various business types.

  An example of the hardware configuration of the portable communication terminal 2 is schematically shown in FIG. The portable communication terminal 2 includes an arithmetic device 70 such as a CPU that executes arithmetic processing of a program, a storage device 71 such as a RAM that stores information, processing results of the arithmetic device 70 and information stored in the storage device 71 on the Internet. A communication device 74 that transmits and receives via a network, an input device 73 such as a button and a touch panel, and a display device 72 such as a liquid crystal display and an organic EL. Each function (each unit) realized by the portable communication terminal 2 is executed when a unit (program, module, etc.) for executing the process is read into the arithmetic unit 70. When using the information stored in the storage device 71 in the processing, each function reads the corresponding information from the storage device 71 and uses the read information in the processing in the arithmetic device 70 as appropriate. The portable communication terminal 2 includes a non-contact type IC chip, and can communicate information with the R / W device 3 described later in a non-contact manner.

  Each means in the present invention is only logically distinguished in function, and may be physically or virtually the same area.

  The portable communication terminal 2 used by the user is a portable communication terminal such as a mobile phone, a PHS, or a tablet computer.

  The R / W device 3 is a device that can communicate with the portable communication terminal 2 used by the user in a non-contact manner. There are various communication methods for communication between the R / W device 3 and the portable communication terminal 2. For example, RFID such as NFC (Near Field Communication) is used as an example. However, the present invention is not limited to this.

  That is, when the portable communication terminal 2 approaches the R / W device 3, communication is started between the portable communication terminal 2 and the R / W device 3, and information on the cash register terminal 4 is transmitted via the R / W device 3. Is sent to the portable communication terminal 2 and information on the portable communication terminal 2 is sent to the cashier terminal 4.

  The cash register terminal 4 is a payment terminal such as a POS cash register. The cash register terminal 4 is connected to the R / W device 3 and receives information read by the R / W device 3 or is input from the R / W device 3 to the portable communication terminal 2 to the cash register terminal 4. Information (for example, information on the amount of money or identification information for identifying the restaurant) is sent. Note that the function of the R / W device 3 may be integrated with the cash register terminal 4, or the connection with the R / W device 3 may be connected by wire, wireless, or the like.

  The portable communication terminal 2 includes a communication processing unit 20, a coupon information acquisition unit 21, a point information acquisition unit 22, a payment information storage unit 23, and a payment amount calculation unit 24.

  When the portable communication terminal 2 comes close to the R / W device 3, the communication processing unit 20 receives information on the start of payment processing via the cash register terminal 4 and stores the predetermined information stored in the storage device 71 of the portable communication terminal 2. The payment processing application is activated, and starts a payment amount calculation process in a payment amount calculation unit 24 described later. That is, by receiving the amount information and restaurant identification information input to the cashier terminal 4 via the R / W device 3, and passing the amount information and restaurant identification information to the payment amount calculation unit 24. The payment amount calculation process is executed, and the calculation result is received from the payment amount calculation unit 24. Then, the payment amount information as the calculation result is sent to the cashier terminal 4 via the R / W device 3 and the payment application is terminated.

  The coupon information acquisition unit 21 performs an operation of acquiring coupon information from a predetermined method, for example, a website of each restaurant provided by a restaurant information providing company, or a restaurant computer or a restaurant information providing company The coupon information of the restaurant is acquired by a method such as acquiring coupon information distributed toward the portable communication terminal 2 of each user, and stored in the settlement information storage unit 23. The coupon information includes at least identification information for identifying a restaurant and the contents of the coupon, for example discount information (discount information based on a ratio such as 10% discount, discount information based on an amount such as 500 yen discount). Also, coupon information availability conditions (date, time, expiration date, etc.) may be included.

  The point information acquisition unit 22 acquires information on points issued by the restaurant or the restaurant information provider such as accessing a website of each restaurant provided by the restaurant information provider, for example. Then, it is stored in the settlement information storage unit 23. The point information includes at least information on the number of points (information indicating how many points are present). In addition, the point information availability condition (date, time, expiration date, etc.) may be included. Furthermore, when the point information is individual for each restaurant, identification information for identifying a restaurant that can use the point information may be included.

  The settlement information storage unit 23 stores the coupon information acquired by the coupon information acquisition unit 21 and the point information acquired by the point information acquisition unit 22. FIG. 4A schematically shows an example when coupon information is stored and FIG. 4B stores point information.

  When the payment amount calculation unit 24 receives the money amount information input to the cashier terminal 4 and the restaurant identification information from the communication processing unit 20, it determines whether there is corresponding coupon information based on the restaurant identification information. A search is made from the information storage unit 23, and if there is, the coupon information is specified. Also, the settlement information storage unit 23 is searched for the presence of point information, and if there is, the point information is specified.

  And when conditions are attached to the use of coupon information and / or point information, it is determined whether the conditions of the coupon information and point information are met, and based on the matching coupon information and point information, The amount of payment is calculated by subtracting from the amount information. That is, the payment amount is calculated by subtracting the equivalent amount of the coupon information from the amount information and further subtracting the amount corresponding to the point information.

  For example, if the amount is 10,000 yen, the coupon information is 10% discount, and the point information is 1000 points (1 point = 1 yen), then 90% (= 100%-10%) to 10,000 yen By multiplying and subtracting 1000 yen (= 1000 points × 1 yen), 8000 yen is calculated as the payment amount.

  Also, if the amount is 10,000 yen, the coupon information is 500 yen discount, and the point information is 1000 points (1 point = 1 yen), then subtract 500 yen from 10,000 yen and then 1000 yen (= By subtracting 1000 points x 1 yen), 8500 yen is calculated as the payment amount.

  The payment amount calculation unit 24 returns the payment amount information calculated as described above to the communication processing unit 20.

  Further, when the payment amount calculation unit 24 receives the information on the completion of the payment process from the communication processing unit 20, the payment amount calculation unit 24 deletes the coupon information and the point information stored in the payment information storage unit 23, and the coupon information and the point information are deleted. Update. For example, the coupon information used from the settlement information storage unit 23 is deleted, and the balance of the number of points in the point information is updated (for example, 0).

  In the payment amount calculation processing in the payment amount calculation unit 24, the number of points that can be used is displayed on the display device 72 of the portable communication terminal 2 among the specified point information, and the input of the number of points to be used is accepted. , It is also possible to use the amount of received points for the calculation processing of the payment amount. In addition, in the payment amount calculation processing in the payment amount calculation unit 24, when there are a plurality of usable coupon information among the specified coupon information, the available coupon information is displayed on the display device 72 of the portable communication terminal 2. The received coupon information can be used for the calculation processing of the payment amount.

  Next, an example of a processing process using the settlement system 1 of the present invention will be described with reference to the flowchart of FIG. In addition, in FIG. 5, the whole conceptual diagram in Example 1 is shown typically.

  First, the user acquires coupon information and point information by a predetermined method before going to a restaurant or before paying, such as during eating and drinking at a restaurant.

  For example, by performing a predetermined operation on the portable communication terminal 2, an operation for obtaining coupon information in the portable communication terminal 2 by accessing the website of the restaurant information providing company and browsing the website of the restaurant I do. Thereby, the coupon information acquisition unit 21 of the portable communication terminal 2 acquires coupon information and stores it in the settlement information storage unit 23 (S110).

  Further, for example, the point information acquisition unit 22 of the portable communication terminal 2 acquires the point information added to the user by accessing the website of the restaurant information providing company and browsing the website of the restaurant. (S120), it is stored in the settlement information storage unit 23 (S130).

  For example, coupon information and point information are stored in the settlement information storage unit 23 as shown in FIG.

  The user indicates his / her willingness to pay by bringing a slip at the stage of payment at the restaurant. Then, the employee of the restaurant calculates the amount of money at the cash register terminal 4 based on the slip. When the user brings the portable communication terminal 2 close to the R / W device 3 (S140), the money amount information (for example, “2500 yen”) and the restaurant information can be obtained from the cash register terminal 4 via the R / W device 3. The identification information (for example, “11111”) and the information on the settlement process start are sent to the portable communication terminal 2 (S150).

  When the communication processing unit 20 receives payment processing start information from the R / W device 3, the communication processing unit 20 activates a predetermined payment processing application and pays the amount information “2500 yen” and the restaurant identification information “11111”. It is passed to the money amount calculation unit 24.

  The payment amount calculation unit 24 that has received the restaurant identification information “11111” searches the settlement information storage unit 23 for the corresponding coupon information. In the case where the settlement information storage unit 23 is shown in FIG. 4, since there is coupon information corresponding to restaurant identification information, coupon information with discount information “10% OFF” and usage conditions “Monday to Thursday” is displayed. Identify. In addition, the payment amount calculation unit 24 specifies “1000 points” as the point information.

  Then, the payment amount calculation unit 24 determines whether the specified coupon information can be used. In this case, it is determined whether the day falls on Monday through Thursday. If the coupon information can be used, the coupon information is specified as a usage target. If the coupon information cannot be used, the coupon information is excluded from the usage target.

  As described above, by displaying available coupon information and point number information on the display device 72 of the portable communication terminal 2, input (selection) of coupon information and point number information used by the user is performed. You may accept from the input device 73.

  The payment amount calculation unit 24, based on the amount information “2500 yen” received from the communication processing unit 20, the coupon information “10% OFF” specified as the usage target, and the number of points “1000 points” in the point information, A payment amount is calculated (S160).

  In other words, the amount information “2500 yen” is multiplied by 90% (= 100% −10%), and 1000 yen (= 1000 points × 1 yen (point conversion rate)) is subtracted (however, the minimum value of the payment amount is 0). Therefore, the amount after deducting the coupon information from the amount information is 2250 yen, and by subtracting 1000 yen from it, 1150 yen is calculated as the amount of payment.

  The payment amount calculation unit 24 returns the information of the payment amount “1150 yen” calculated as described above to the communication processing unit 20, and the settlement processing unit sends it to the cashier terminal 4 via the R / W device 3. (S170). At this time, coupon information used, point information (point number information), user identification information for identifying the user, and the like may be sent.

  The cash register terminal 4 receives the payment amount information from the portable communication terminal 2 via the R / W device 3, displays it on the cash register terminal 4, and the employee confirms it (S180). The employee charges 1150 yen to the user as a payment amount, and the user pays 1150 yen.

  Then, when the employee completes the payment termination operation at the cash register terminal 4, the payment processing completion information is passed from the cash register terminal 4 to the portable communication terminal 2 via the R / W device 3. Received by the communication processing unit 20 of the communication terminal 2. The communication processing unit 20 passes the payment processing completion information to the payment amount calculation unit 24, so that the payment amount calculation unit 24 erases the coupon information and the point information stored in the payment information storage unit 23 by the amount used. Update coupon information and point information. For example, in the above case, the coupon information “11111” and the point information of 1000 points are deleted from the settlement information storage unit 23.

  In addition, to the restaurant, at a predetermined payment timing, an amount obtained by subtracting the usage fee of the settlement system 1 and the amount corresponding to the point resources used by the user from the initial amount information “2500 yen” is paid. It becomes.

  Next, as another embodiment of the settlement system 1 of the present invention, a case will be described in which, in addition to coupon information and point information, money information (value information) paid in advance is further used as settlement information. FIG. 6 schematically shows a conceptual diagram of an example of the system configuration of the payment system 1 of the present embodiment.

  In the present embodiment, the portable communication terminal 2 further includes a value information acquisition unit 25. The value information acquisition unit 25 acquires value information, which is money information having so-called electronic value, used for payment at a restaurant by a predetermined method, and stores it in the settlement information storage unit 23.

  For example, there is a method of charging value information with a credit card. In this case, if you access the predetermined website and enter the information on the amount to be charged and the credit card information (credit card number, expiration date, name, etc.), the information on the amount will be sent to the portable communication terminal 2, The value information acquisition unit 25 acquires it. The amount is processed as a credit card settlement.

  There is also a method of using electronic money as value information. In this case, since the electronic money already distributed becomes value information, the value information acquisition unit 25 is a means for acquiring information on known electronic money.

  Furthermore, there is a method of using a gift certificate usable at a restaurant as value information. When the gift certificate is sent by e-mail or the like, by inputting the identification information described in the e-mail, the input is accepted by the portable communication terminal 2, and the value information acquisition unit 25 performs the identification by a predetermined method. By passing the information to the server of the gift voucher issuing company, value information corresponding to the identification information is acquired.

  When the gift certificate is a paper medium, the gift certificate can be obtained by reading the code printed on the gift certificate (two-dimensional code such as a barcode or QR code (registered trademark)) with the imaging device of the portable communication terminal 2. Is accessed, the gift certificate identification information included in the code is passed to the server, and value information corresponding to the identification information is acquired.

  If the gift certificate is a paper medium, the user may resell the gift certificate after reading the code. Therefore, it should be visible at a glance that it has been used from the face of the gift certificate. For example, the code printed on the ticket surface may be concealed with a metal foil or the like, and the code may be exposed by peeling off the portion. As a result, the fact that the code has been used can be seen at a glance on the gift voucher surface.

  The payment information storage unit 23 further stores value information. FIG. 8 schematically shows an example of the settlement information storage unit 23 in the present embodiment. FIG. 8A schematically shows an example in which coupon information is stored, point information is stored in FIG. 8B, and value information is stored in FIG. 8C.

  Next, an example of a processing process in the present embodiment will be described with reference to the flowchart of FIG. FIG. 9 schematically shows an overall conceptual diagram in the second embodiment.

  First, the user acquires coupon information and point information by a predetermined method before going to a restaurant or before paying, such as during eating and drinking at a restaurant. Since S200 to S230 are the same processes as S100 to S130, description thereof will be omitted.

  In the present embodiment, in addition to the above-described coupon information and point information, the user acquires value information in advance using the credit card, electronic money, gift certificate, etc., with the value information acquisition unit 25, and the settlement information storage unit 23. (S240).

  By executing the processing as described above, for example, coupon information, point information, and value information are stored as shown in FIG.

  The user indicates his / her willingness to pay by bringing a slip at the stage of payment at the restaurant. Then, the employee of the restaurant calculates the amount of money at the cash register terminal 4 based on the slip. Then, when the user brings the portable communication terminal 2 close to the R / W device 3 (S250), the money amount information (for example, “2500 yen”) and the restaurant are sent from the cash register terminal 4 via the R / W device 3. The identification information (for example, “11111”) and the information on the start of payment processing are sent to the portable communication terminal 2 (S260).

  When the communication processing unit 20 receives payment processing start information from the R / W device 3, the communication processing unit 20 activates a predetermined payment processing application and pays the amount information “2500 yen” and the restaurant identification information “11111”. It is passed to the money amount calculation unit 24.

  The payment amount calculation unit 24 that has received the restaurant identification information “11111” searches the settlement information storage unit 23 for the corresponding coupon information. In the case where the settlement information storage unit 23 is shown in FIG. 8, since there is coupon information corresponding to the restaurant identification information, the discount information is “10% OFF” and the coupon information is “Monday to Thursday”. Identify. In addition, the payment amount calculation unit 24 specifies “1000 points” as the point information. Further, the payment amount calculation unit 24 specifies “2000 yen” as value information.

  Then, the payment amount calculation unit 24 determines whether the specified coupon information can be used. In this case, it is determined whether the day falls on Monday through Thursday. If the coupon information can be used, the coupon information is specified as a usage target. If the coupon information cannot be used, the coupon information is excluded from the specification of the usage target.

  As described above, the available coupon information, the information on the number of points, and the value information are displayed on the display device 72 of the portable communication terminal 2 so that the coupon information used by the user, the information on the number of points, and the value information are displayed. May be received from the input device 73.

  The payment amount calculation unit 24 receives the amount information “2500 yen” received from the communication processing unit 20, the coupon information “10% OFF” specified as the usage target, the number of points “1000 points” in the point information, and the value information “ The payment amount is calculated based on “2000 yen” (S270).

  That is, the amount information “2500 yen” is multiplied by 90% (= 100% −10%), 1000 yen (= 1000 points × 1 yen (point conversion rate)) is subtracted, and 2000 yen is further subtracted ( However, the minimum payment amount is 0). Therefore, the amount after deducting the coupon information from the amount information is 2250 yen, subtracting 1000 yen from it, it will be 1150 yen, and further subtracting 2000 yen value information will calculate 0 yen as the payment amount To do.

  The payment amount calculation unit 24 returns the information of the payment amount “0 yen” calculated as described above to the communication processing unit 20, and the settlement processing unit sends it to the cashier terminal 4 via the R / W device 3. (S280). At this time, the coupon information used, point information (point number information), value information, user identification information for identifying the user, and the like may be sent.

  The cash register terminal 4 receives the payment amount information from the portable communication terminal 2 via the R / W device 3, displays it on the cash register terminal 4, and the employee confirms it (S290). The employee tells him that there is no cash payment because 0 yen is the payment amount.

  Then, when the employee completes the payment termination operation at the cash register terminal 4, the payment processing completion information is passed from the cash register terminal 4 to the portable communication terminal 2 via the R / W device 3. Received by the communication processing unit 20 of the communication terminal 2. The communication processing unit 20 passes the payment processing completion information to the payment amount calculation unit 24, so that the payment amount calculation unit 24 erases the coupon information and the point information stored in the payment information storage unit 23 by the amount used. Update coupon information and point information. For example, in the above case, the coupon information “11111” and the point information of 1000 points are deleted from the settlement information storage unit 23. Further, “1150 yen” is subtracted as the used value information, and the value information balance “850 yen” is updated in the settlement information storage unit 23.

  In the above-described first and second embodiments, the case where the payment amount calculation unit 24 is provided in the portable communication terminal 2 has been described. However, even if the processing of the payment amount calculation unit 24 is executed by the cash register terminal 4. good. That is, when the portable communication terminal 2 is brought close to the R / W device 3, identification information for identifying the restaurant is passed to the portable communication terminal 2 via the R / W device 3. The communication processing unit 20 acquires coupon information, point information, and value information corresponding to the restaurant from the payment information storage unit 23, and sends each piece of information from the R / W device 3 to the cash register terminal 4. Then, the payment amount calculation unit 24 of the cash register terminal 4 calculates the payment amount by the same process as described above, and performs payment.

  Then, after the payment is completed, the used coupon information, point information, and value information are sent to the portable communication terminal 2 by the cashier terminal 4 via the R / W device 3, and the communication processing unit 20 of the portable communication terminal 2 transmits them. Upon receipt, the coupon information, point information, and value information in the payment information storage unit 23 are updated.

  By setting it as such a structure, the structure of the portable communication terminal 2 can be decreased.

  In the first to third embodiments described above, when the communication processing unit 20 receives payment processing completion information from the cash register terminal 4, the point information acquisition unit 22 calculates the number of points corresponding to the payment amount, and calculates the payment amount. When updating the point information in the settlement information storage unit 23 of the unit 24, the calculated number of points may be added and stored in the settlement information storage unit 23.

  For example, when the amount of payment is calculated as 1150 yen as in the first embodiment and the point grant rate is 1%, the point information acquisition unit 22 obtains information on completion of payment processing in the communication processing unit 20, 11 points (rounded down to the nearest decimal point) are calculated. Then, after the payment amount calculation unit 24 sets the balance to 0 by using 1000 points, the calculated 11 points are added as the number of points to be newly added to update the point information.

  As a result, points can be given by the payment.

  In this case, for the restaurant, at the predetermined payment timing, from the initial amount information “2500 yen”, the usage fee of the settlement system 1, the amount corresponding to the point resources used by the user, and the current payment The amount will be paid after deducting the amount corresponding to the point resources granted in.

  Through the processing as described above, the user can receive discounts by coupon information, point information, and value information at an actual restaurant only by bringing the portable communication terminal 2 close to the R / W device 3. In addition, the employee of the restaurant does not have to perform operations such as confirmation of coupon information, point information, and value information, so the burden is reduced. The payment amount calculation unit 24 automatically calculates the payment amount so that the payment amount is the lowest for the user by first subtracting with the coupon information and then with the point information. The payment amount will not increase.

1: payment system 2: portable communication terminal 3: R / W device 4: cash register terminal 20: communication processing unit 21: coupon information acquisition unit 22: point information acquisition unit 23: payment information storage unit 24: payment amount calculation unit 25 : Value information acquisition unit 70: Computing device 71: Storage device 72: Display device 73: Input device 74: Communication device

Claims (5)

A payment system for making a payment at a store using a portable communication terminal,
The payment system
A settlement information storage unit for storing coupon information and point information that can be discounted at the store;
A communication processing unit that performs communication between the portable communication terminal and the R / W device by bringing the portable communication terminal close to the R / W device provided in the cash register terminal of the store;
Among the coupon information and the point information stored in the settlement information storage unit, the coupon information and the point information that can be used in the store are identified and received from the cashier terminal via the R / W device. A payment amount calculation unit for calculating a payment amount by subtracting the amount corresponding to the identified coupon information and the amount corresponding to the point information from amount information;
The communication processing unit
The payment amount information calculated by the payment amount calculation unit is passed to the cashier terminal via the R / W device, so that payment at the store is performed with the payment amount.
A payment system characterized by that. The payment information storage unit further stores value information,
The payment amount calculation unit
Among the coupon information, the point information, and the value information stored in the settlement information storage unit, the coupon information, the point information, and the value information that can be used in the store are specified, and the R / W device is The amount to be paid is calculated by subtracting the amount corresponding to the identified coupon information, the amount corresponding to the point information, and the amount corresponding to the value information from the amount information received from the cashier terminal. ,
The payment system according to claim 1. The payment amount calculation unit
From the amount information received from the cash register terminal, the amount of payment is calculated by subtracting the amount corresponding to the coupon information, the amount corresponding to the point information, and the amount corresponding to the value information,
The settlement system according to claim 2. The payment amount calculation unit
When there are a plurality of the coupon information or the point information that can be used in the specified store, the coupon information or the point information is further narrowed down and specified by receiving selection of which coupon information or point information is used. ,
The payment system according to any one of claims 1 to 3, wherein: A payment system for making a payment at a store using a portable communication terminal,
The payment system
A settlement information storage unit for storing coupon information and point information that can be discounted at the store;
The portable communication terminal communicates between the portable communication terminal and the R / W device by bringing the portable communication terminal close to the R / W device provided in the cash register terminal of the store, and the settlement information storage unit The coupon information and the point information available at the store stored in the store are sent to the cashier terminal via the R / W device, and after the payment at the cashier terminal is completed, the coupon information in the payment information storage unit And a communication processing unit for updating the point information,
The cash register terminal is
A payment amount calculating unit for calculating a payment amount by subtracting an amount corresponding to the coupon information and an amount corresponding to the point information from the amount information of the cash register terminal, and causing payment at the store;
A payment system characterized by that.

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