CN103514535A - Credit treatment device and credit treatment method - Google Patents
Credit treatment device and credit treatment method Download PDFInfo
- Publication number
- CN103514535A CN103514535A CN201310196478.1A CN201310196478A CN103514535A CN 103514535 A CN103514535 A CN 103514535A CN 201310196478 A CN201310196478 A CN 201310196478A CN 103514535 A CN103514535 A CN 103514535A
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- CN
- China
- Prior art keywords
- credit
- data
- processing equipment
- signature
- communicating
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
Abstract
The present invention discloses a credit treatment device and a credit treatment method. During non-communication credit treatment, credit receipts printed with off-line receipt issuing data compiled during offline and necessary items during offline are issued, and card storage data read from a credit card and credit treatment data compiled by key input data are communicated to a credit company through a communication line by the credit treatment device, so as to conducting communication credit treatment. When communication to the credit company is abnormal, a credit receipt with a signature column is issued and a credit receipt without a signature column is issued otherwise.
Description
The application advocates that the applying date is that the Japanese publication that June 22, application number in 2012 are JP2012-140731 is right of priority, and quotes the content of above-mentioned application.
Technical field
The present invention relates to a kind of credit processing equipment and credit disposal route of carrying out credit processing by communication.
Background technology
In recent years, when the credit of can not communicating by letter is processed, consider to have and can provide off line typewriting and have the off line document granting being compiled in off line to process by the credit of the credit document of data.
But, in the credit settlement in off line, need user's signature (signature).Obtain this signature and just have the problem of the other document on the signature hurdle that need to prepare the checkout processing document of the commodity data that comprises trade name, unit price etc., the calculating of Amount in Total etc. and be provided with credit user.
Summary of the invention
The object of the present invention is to provide a kind of when the credit of can communicating by letter is processed with when the credit of can not communicating by letter is processed, can obtain respectively corresponding checkout and process credit processing equipment and the credit disposal route that document is exported.
To achieve these goals, the credit processing equipment the present invention relates to, the credit deal with data that card storage data by reading from credit card and key input data are compiled into is by communicating between communication line and credit agency, communicating credit processes, wherein, when undesired with communicating by letter of described credit agency, provide and fill in the credit document that signature is filled in hurdle, when communication is normal, provide the credit document that no name is filled in hurdle.
The present invention on the other hand the related credit deal with data based on the card storage data by reading from credit card and key input data are compiled into by communicating between communication line and credit agency, communicate the credit disposal route of the credit processing equipment of credit processing, this credit disposal route comprises the following steps: based on described card storage data, judge whether authorized step; When undesired with communicating by letter of described credit agency, provide and fill in the step that signature is filled in the credit document on hurdle; And when normal with communicating by letter of described credit agency, provide the step that no name is filled in the credit document on hurdle.
Accompanying drawing explanation
Fig. 1 means the concept pie graph of the embodiment that credit processing equipment is related.
Fig. 2 is that credit is processed whole conceptual system pie graph.
Fig. 3 is the process flow diagram describing for the credit processing order in the time can not processing online because of communication failure etc.
Fig. 4 is the process flow diagram describing for the credit processing order in the time can not processing online because of communication failure etc.
Fig. 5 is for the key diagram dull and stereotyped terminal being shown and POS demonstration describes.
Fig. 6 (a) is for being the key diagram for no name hurdle credit document example is described to the key diagram describing with signature credit document example, Fig. 6 (b).
Embodiment
Below, with reference to accompanying drawing, embodiment is described in detail.
Embodiment
Fig. 1 to Fig. 6 illustrates the related embodiment of credit processing equipment.Fig. 1 is concept pie graph.Fig. 2 illustrates credit and processes whole conceptual system pie graph.Fig. 3 and Fig. 4 are the process flow diagrams for the action of Fig. 1 is described.Fig. 5 is the key diagram for dull and stereotyped terminal display and POS display are described.Fig. 6 (a) is that key diagram, Fig. 6 (b) of for the credit document example to signature, describing are the key diagrams describing for the credit document example to no name hurdle.
As shown in Figure 2, this credit processing equipment is connected with host computer 30 and a plurality of POS(Point Of Sales by communication line 1: point of sale) terminal 10a～10n.And, host computer 30 and being connected by communication line 2 such as the main frame 40 being arranged in credit agency.
Each POS terminal 10a～10n is connected with host computer 30 by tie line 1.Each POS terminal 10a～10n carries out goods registration when obtaining the commodity datas such as trade name, unit price the main commodity file in host computer 30 or the commodity file in the machine.The entire service of purchase of customer is being through with after goods registration, and the checkout of the calculating that execution comprises Amount in Total etc. is processed.
In method of payment when carrying out this checkout processing, except cash, also have the payment by prepaid card, credit card etc., and select one or more method of payment.Therefore, credit processing equipment is except being constructed as independent formation, and most and each POS terminal 10a～10n one embeds constructs.
Each POS terminal 10a～10n has respectively the formation of the POS terminal 10 shown in Fig. 1.POS terminal 10 be provided with off-line processing declaration portion (16d), off line document for granting the typewriting of data organization portion (11,12) and off line provide control part (11,12).Each POS terminal 10a～10n gathers the credit deal with data of reading out data and input data etc.And, according to carrying out instruction, by the main frame 40 in tie line 1, host computer 30, tie line 2 ，Bian Xiang credit agencies, inquire about limit and communicate credit and process.
In addition, each POS terminal 10a～10n is in the time can not communicating credit processing, and the off line document that can provide based on being compiled in off line is provided the formation with the credit document of data typewriting.
Represent that the POS terminal 10 shown in Fig. 1 of each POS terminal 10a～10n is by CPU11, ROM12, RAM13 formation control portion.The hand held scanner 15 connecting by scanner circuit 15c and the keyboard connecting by keyboard circuit 16c 16 form data input part.
In addition, POS terminal 10 is connected with cashier by display circuit 17c and uses display 17ST with display 17HR and client.By printer circuitry 18c, be connected with the printer 18 that document is provided in typewriting.By input/output end port (I/O) 19c, be connected with the drawer automatic opening device 19 that makes cash drawer automatic opening.And POS terminal 10 comprises that communication is with interface (I/F) 20 etc., can place of execution form goods registration based on input data and process function and various payment processes functions relevant with registration commodity etc.In this payment processes function, include communication credit processing capacity.
Control part is provided with the reader 21 of the credit card connecting by driver 21d.In addition, drive the document granting being connected with input/output end port (I/O) 24 document granting once can be printed on the credit instruments of binding 4 pieces and provide by data with printer 25.
And control part is connected with outside dull and stereotyped terminal 50 by flat circuits 50c.Although dull and stereotyped terminal 50 is the terminals of carrying out data input in the mode identical with scanner 15 or keyboard 16, especially has the functions such as the handwriting of carrying out.
As shown in Figure 3, dull and stereotyped terminal 50 is carried out handwriting with the pen input with felt pen 502 on touch panel 501.The signature of inputting is displayed on the cashier of POS terminal 10 with on display 17HR.Signature also can be simultaneously displayed on client with on display 17ST.
Cashier when the input of felt pen 502 is set, with on display 17HR, also shows signature clear key 171, handwriting key 172, the electronic signature key 173 associated with signature.Signature clear key 171, handwriting key 172, electronic signature key 173 are inputted corresponding control signal by the operation that is touched to control part.
In addition, although dull and stereotyped terminal 50 by connecting line, be connected with flat circuits 50c, the connection of dull and stereotyped terminal 50 and POS terminal 10 radio communications is also passable.In addition, dull and stereotyped terminal 50 be take client and as touch panel makes the function of dull and stereotyped terminal 50 and POS terminal 10, is integrated also passable with display 17ST.In a word, as long as the function of carrying out having when credit is processed writable signature in off line.
Here, off-line processing declaration portion is when communication credit that can not be online is processed, and declares the portion of printing in off line, providing the order of credit document.Off-line processing declaration portion is formed by the off-line processing declaration key 16d on keyboard 16.
In addition, the granting of off line document is to adopt the key input data that uses credit card reader 21 to read and temporarily store into the card storage data in RAM13 and use keyboard 16 inputs, the portion of data for the granting of establishment off line document with data organization portion.ROM12 and CPU11 that the granting of off line document is programmed by storage with data organization portion form.
Control part is provided in off line typewriting to be off line document granting based on being compiled into by data and to drive document printer 25 granting for, the portion of typewriting granting credit document in off line.Off line typewriting is provided control part and is formed by the ROM12 and the CPU11 that store off line typewriting granting control program.
Here, to carry out the so-called online processing of credit processing by communication, describe.
When payment by credit card, use the credit card reader 21 of POS terminal 10 to read the data of the card information etc. of credit number that credit card stores etc.As required, accept by the input of the PIN (Personal Identification Number) of ten key (miniature keyboard).And, the data of operation keyboard 16 input payment category etc.
And, carry out the authentication of PIN (Personal Identification Number) inputted, the establishment of the visit information of the card information based on having read, to the transmission of the visit information of main frame 40 etc.Main frame 40 is carried out credit inquiry, mandate, and its result is sent to POS terminal 10.
And POS terminal 10, when confirmation of receipt data etc., is given the document granting of using this data organization to become the printer 25 for document granting being connected with POS terminal 10 by data transmission.The credit document of the document granting data of having typewrited is provided in document granting with printer 25.
Client is given client with document, and receipt document is keeping in shop, and credit agency is with being provided and delivered to credit agency after document.
Fig. 4 and Fig. 5 be the CPU11 of POS terminal 10 performed because of communication failure etc., can not process online time the process flow diagram of credit processing order.The program that CPU11 stores according to ROM12, carries out credit with the order shown in Fig. 4 and Fig. 5 and processes.
In Fig. 4, whether the card information of the credit number based on reading in by credit card reader 21 etc., be the judgement (S401) of the card that is authorized to.When being authorized credit card, whether control part is connected with the judgement (S402) of dull and stereotyped terminal 50.
When being connected with dull and stereotyped terminal 50, on touch panel 501, use felt pen 502 to carry out handwriting (S403), judgement signature fills in whether be normally processed (S404).
In step S404, at the control part being judged as while not being to sign normally, drive display circuit 17c, cashier with the demonstration (S405) that on display 17HR is wrong order.After this shows, the clear key of operation keyboard 16 (S406), clear operation person uses the shown information of display 17HR.
And, judge whether to carry out retry (S407), when retry, the execute key again (S408) of operation keyboard 16, turns back to step S403.
In step S407, when not carrying out retry, the cancel key of operation keyboard 16 (S409) also finishes.
When judging that the content of institute's handwriting is normal in dull and stereotyped terminal 50 in step S404, advance to Fig. 5 (A) (S501).
Signature is removed and is processed
Which in step S501, by control part, based on demonstration information judgement key in the signature clear key 171 shown in cashier Fig. 3 shown with display 17HR, handwriting key 172, electronic signature key 173, operated.
In step S501, when cashier has been selected with the signature clear key 171 on display 17HR (S502), cashier, use demonstration signature clear confirmation picture (S503) on display 17HR.
Judge whether cashier has been eliminated (S504) with the signature on display 17HR.When not being eliminated, turn back to step S502, again sign to remove and process.When being eliminated, control part is removed processing (S505) and is finished.
Handwriting is processed
In step S501, select cashier to use the upper shown handwriting key 172(S506 of display 17HR).The handwriting writing in dull and stereotyped terminal 50 is presented to cashier with on display 17HR (S507).
Judge whether shown handwriting writes correctly (S508).When not writing when correct, turn back to step S506 and require to input again handwriting.When having write correctly, advance to step S509.
Control part adopts the key input data establishment off line document that uses credit card reader 21 to read and temporarily store into the card storage data in RAM13 and use keyboard 16 inputs data (S509) for granting in step S509.At this moment, control part is read the typewriting data of pre-stored signature in ROM12, prints the band signature credit document of the typewriting shown in the Fig. 6 (a) being combined with other documents granting data by document granting with printer 25.
Credit card users is signed in the signature with signature credit document, finishes credit settlement.
Electronic signature is processed
In step S501, select electronic signature (S510).On touch panel 501, utilize felt pen 502, handwriting input obtains electronic signature.Carry out for check this electronic signature and the signature data sending processing (S511) of registered user's electronic signature in advance at main frame 40.
In addition, check handwriting and the registered signature data of electronics input, the technology that takes a decision as to whether me is such as in Japanese kokai publication hei 11-144056(electronic signature verification mode and system) in be disclosed.
Control part by tie line 1, host computer 30, tie line 2, sends to main frame 40 by signature data from interface 20.After data are sent completely, standby receives replying from main frame 40.And, to be sent completely beginning from data, whether having received at the appointed time the answer signal mode from main frame 40, judgement signature data send whether normally carry out (S512).
When having answer signal from main frame 40, be judged as normal.At this moment control part is from printer 25 printed drawings 6(b for bill granting) shown in the no name hurdle credit document (S514) of typewriting, finish credit settlement.
When there is no answer signal from main frame 40 in step S512, when signature data are not normally sent, control part is read the typewriting data of pre-stored signature in ROM12.And, by document granting, with printer 25, print the typewriting (S513) of providing the no name hurdle credit document shown in Fig. 6 (b) that the content of data is combined with other documents.Credit card users is signed in the signature of the credit document with signature, finishes credit settlement.
In this embodiment, when the communication disruption with main frame etc., having typewrited on original credit document signature of output is filled in the credit document on hurdle.By like this, bring obstacle can not can to the utilization of credit settlement.
In the above-described embodiments, although inside is pre-recorded has the situation of the program carrying out an invention to be illustrated to installing, be not limited thereto, also same program can be downloaded to device from network.In addition also the recording medium of the same program of storage can be installed in device.As recording medium, so long as CD-ROM etc. can storage program and the storage medium that can read of device, as its form, can be arbitrary shape state.And, by installing so in advance or download the OS(operating system that the function that obtains also can be inner with device) etc. cooperate to realize its function.
In addition, although several embodiments of the present invention are illustrated, these embodiment propose as an example, are not intended to limit scope of invention.These novel embodiment can implement with other various forms, as long as can carry out various omissions, replacement, combination, change in the scope of main idea that does not depart from invention.These embodiment and distortion thereof are all comprised in scope of invention or main idea, and, be included in the invention and its impartial scope that the scope of claim records.
Description of reference numerals
1,2 tie lines
10,10a～10n POS terminal
11 CPU(off line documents are data organization portion, off line typewriting granting control part for granting)
12 ROM(off line documents are data organization portion, off line typewriting granting control part for granting)
13 RAM 16 keyboards
16d off-line processing declaration key (off-line processing declaration portion)
17HR cashier is with display client 17ST display
171 signature clear key 172 handwriting keys
173 electronic signature key 18 printers
21 credit card reader 25 document granting printers
30 host computer 40 main frames
50 dull and stereotyped terminals
Claims (10)
1. a credit processing equipment, the credit deal with data that the card storage data by reading from credit card and key input data are compiled into, by communicating between communication line and credit agency, communicates credit and processes, and described credit processing equipment is characterised in that,
When undesired with communicating by letter of described credit agency, provide and fill in the credit document that signature is filled in hurdle, when communication is normal, provide the credit document that no name is filled in hurdle.
2. credit processing equipment according to claim 1, wherein,
In the granting of judging credit document when undesired with communicating by letter of described credit agency, increase pre-stored signature and filled in hurdle organized data.
3. credit processing equipment according to claim 1, wherein,
The signature of using for the credit inquiry of described credit agency is by style of writing, to touch the electronic signature that input obtains on the touch panel of the dull and stereotyped terminal being connected with credit processing equipment.
4. according to the credit processing equipment described in any one in claims 1 to 3, wherein,
Credit processing equipment and described dull and stereotyped terminal are carried out communicating by letter of data by wireless.
5. according to the credit processing equipment described in any one in claim 1 to 4, wherein,
When judging when undesired with communicating by letter of described credit agency, be presented at the cashier of credit processing equipment body with on display.
6. the credit deal with data based on the card storage data by reading from credit card and key input data are compiled into is by communicating between communication line and credit agency, the credit disposal route that communicates the credit processing equipment of credit processing, this credit disposal route comprises the following steps:
Based on described card storage data, judge whether authorized step;
When undesired with communicating by letter of described credit agency, provide and fill in the step that signature is filled in the credit document on hurdle; And
When normal with communicating by letter of described credit agency, provide no name and fill in the step of the credit document on hurdle.
7. credit disposal route according to claim 6, wherein,
In the granting of judging credit document when undesired with communicating by letter of described credit agency, increase pre-stored signature and filled in hurdle organized data.
8. credit disposal route according to claim 6, wherein,
The signature of using for the credit inquiry of described credit agency is by style of writing, to touch the electronic signature that input obtains on the touch panel of the dull and stereotyped terminal being connected with credit processing equipment.
9. according to the credit disposal route described in any one in claim 6 to 8, wherein,
Credit processing equipment and described dull and stereotyped terminal are carried out communicating by letter of data by wireless.
10. according to the credit disposal route described in any one in claim 6 to 9, wherein,
When judging when undesired with communicating by letter of described credit agency, be presented at the cashier of credit processing equipment body with on display.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2012-140731 | 2012-06-22 | ||
| JP2012140731A JP5756432B2 (en) | 2012-06-22 | 2012-06-22 | Credit processing apparatus and program thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103514535A true CN103514535A (en) | 2014-01-15 |
Family
ID=49897220
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310196478.1A Pending CN103514535A (en) | 2012-06-22 | 2013-05-24 | Credit treatment device and credit treatment method |
Country Status (2)
| Country | Link |
|---|---|
| JP (1) | JP5756432B2 (en) |
| CN (1) | CN103514535A (en) |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP5861070B1 (en) | 2014-07-31 | 2016-02-16 | パナソニックＩｐマネジメント株式会社 | Transaction terminal device, information processing method, information processing program, and recording medium |
| JP5866535B1 (en) | 2014-10-20 | 2016-02-17 | パナソニックＩｐマネジメント株式会社 | Transaction processing apparatus, transaction processing method, program, and transaction processing system |
| JP6124034B2 (en) * | 2015-10-08 | 2017-05-10 | パナソニックＩｐマネジメント株式会社 | Transaction processing apparatus, transaction processing method, program, and transaction processing system |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH08329344A (en) * | 1995-05-30 | 1996-12-13 | Tec Corp | Credit processor |
| CN1871613A (en) * | 2002-04-03 | 2006-11-29 | 第一数据公司 | Systems and methods for performing transactions at a point-of-sale |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH10302161A (en) * | 1997-04-23 | 1998-11-13 | Omron Corp | Hand-written signature processing device and transaction processing system |
| JP2001216569A (en) * | 2000-02-03 | 2001-08-10 | Toshiba Tec Corp | Merchandise sales data processing system |
| JP3994824B2 (en) * | 2002-08-27 | 2007-10-24 | 富士通株式会社 | POS terminal device, POS system, and program for POS terminal device |
-
2012
- 2012-06-22 JP JP2012140731A patent/JP5756432B2/en not_active Expired - Fee Related
-
2013
- 2013-05-24 CN CN201310196478.1A patent/CN103514535A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH08329344A (en) * | 1995-05-30 | 1996-12-13 | Tec Corp | Credit processor |
| CN1871613A (en) * | 2002-04-03 | 2006-11-29 | 第一数据公司 | Systems and methods for performing transactions at a point-of-sale |
Non-Patent Citations (1)
| Title |
|---|
| 陈薇: "刷卡消费可以电子签名了", 《河南商报》 * |
Also Published As
| Publication number | Publication date |
|---|---|
| JP2014006637A (en) | 2014-01-16 |
| JP5756432B2 (en) | 2015-07-29 |
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| PB01 | Publication | ||
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Application publication date: 20140115 |