JP2000357276A - Credit processor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To automatically select a credit company capable of settlement and to lighten the burden on a person in charge, and to shorten a wait time by selecting the destination credit company according to the decision result of a publisher of a credit card and a paying method that a user desires. SOLUTION: When settlement using a credit card X is requested for sales registration, the credit card X is set on a card reader writer 21 and further a paying method that a customer desires is specified through key input. On the basis of a company code of data read out of the credit card X, the credit company as the publisher of the credit card X is decided. A company to handle card settlement is selected by matching decided results, the paying method specified through the key input and a card main table in a RAM 14. Thus, the company is selected and then the user and use state are matched for the selected credit company; when there is no problem, the card settlement is carried out.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a credit processing apparatus for performing payment by a credit card.

[0002]

2. Description of the Related Art In general, when purchasing a product, a customer brings a desired product to a cashier, and a clerk of the cashier pays for the product information on the brought-in product to an electronic cash register or POS (point-of-sale information management). ) Input to a product sales data processing device called a terminal. With this input, the price of the product is registered in the sales, and the closing process including the exchange of the price between the customer and the clerk is performed by the subsequent key input.

As a form of the closing process, there is a settlement by a credit card in addition to a settlement by cash. In the settlement by credit card, the contents of the credit card presented by the user are read, the inquiry is made to the credit company regarding the read data, and if there is no problem in the use situation, the actual settlement is performed.

[0004]

When using a credit card, in addition to the credit company that issued the card, it is possible to use another credit company that is affiliated with the issuer.

[0005] However, there are several types of payment methods using a credit card, such as lump sum, bonus, combined use of bonuses, division, and revolving. Some credit companies do not accept payment depending on the type of payment. In reality, it is not possible to simply specify (inquiry destination).

[0006] For example, even if a user wants to make an installment payment by directly specifying the credit company that issued the card,
If the issuing credit company does not handle installment payments, settlement is not possible. In this case, the clerk designates another credit company as a destination and requests settlement again. Such a procedure places a heavy burden on busy counter staff. The waiting time for checkouts increases, which may inconvenience other customers as well as card users.

[0007] The present invention has been made in view of the above circumstances,
The purpose is to automatically select a credit company that can settle with the payment method desired by the credit card user as the destination, thereby reducing the burden on staff and reducing waiting time. It is to provide a credit processing device that can be achieved.

[0008]

According to a first aspect of the present invention, there is provided a merchandise sales data processing apparatus comprising: a judging means for judging a credit card issuer; a judgment result of the judging means and a payment method desired by a user; Selecting means for selecting a destination credit company according to the destination.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing a main part of a control circuit of a credit processing apparatus of the present invention, for example, a POS (Point Of Sales: point of sale information) terminal.

[0010] The CPU (Central Processi
ng Unit) 11, a bus line 12 is connected to the bus line 12, and a ROM (Read Only Memory) 13 and R
An AM (Random Access Memory) 14 is connected.
The ROM 13 stores fixed data such as a program executed by the CPU 10. The RAM 14 functions as a storage unit for registering sales data of sales registered products.

Further, the keyboard 1 is connected to the bus line 12.
Keyboard controller 16 and display 17 for controlling 5
Controller 18 for controlling printer 19, printer converter 20 for controlling printer 19, card reader / writer 21
Card reader / writer interface 22 for arranging data input / output to / from the host device 3 such as a host computer
A communication interface 23 for sending and receiving data to and from a communication line via a communication line; a clock circuit 2 for clocking the date and time
4. An input / output port 25 for inputting and outputting data to and from an external device such as a drawer 26 is connected.

The display 17 displays the price of the product and the like. The printer 19 performs receipt printing and the like. The card reader / writer 21 reads and writes magnetic data on a card to be set, and a credit card X is a card to be read.

As shown in FIG. 2, the keyboard 15 has a value number key K1 for inputting numerical data, a PLU key K2 for instructing to handle as a PLU (Price Look Up) code attached to each product, An amount key K3 for instructing that the numerical data input by the value key K1 be treated as amount data, an X key K4 for instructing that the numerical data input by the value key K1 be treated as product number data, a total amount Subtotal key K for output of
5. Deposit / current total key K6 for declaring payment in cash at the same time as instructing the closing of registration, clear key K7 for canceling error status, return key K8 for declaring return business, and payment method designation A key group K9 is provided.
The payment method designation key group K9 includes a lump-sum payment key, a bonus payment key, a bonus combined payment key, an installment payment key, and a revolving payment key.

On the other hand, the credit card X has a magnetic stripe on the back of the card and has JIS1 which can be used overseas.
Format and a JIS2 format which has a magnetic stripe on the card surface and is used in Japan. In the case of JIS2 format,
As shown in FIG. 3, in addition to the member number and the expiration date, a company code indicating the issuing credit company is magnetically recorded. In the case of the JIS1 format, only the membership number and the expiration date are magnetically recorded.

The RAM 14 stores a card main table shown in FIG. The card main table is
The name of the credit company that issued the credit card X, “A”, “B”, “C”, etc., and the payment categories “Batch”, “Bonus”, “Bonus combined”, “Division”, “Revo”, The destination company names "A", "B", "C",.

The CPU 11 has the following [1] to [3] as main functions. [1] Determination means for determining the credit company that issued the credit card X based on the data read from the credit card X by the card reader / writer 21.

[2] Selection means for selecting a destination credit company in accordance with the result of this determination and the payment method desired by the user (operation of the payment method designation key group K9).

[3] Control means for executing card payment processing through the host device 30 to the selected destination credit company.

Next, the operation of the above configuration will be described with reference to the flowchart of FIG.

When a customer makes a purchase request for a product, the clerk reads the product code attached to the product to be purchased by using a value key K1 on the keyboard 15 or by using a scanner (not shown). ,input. With this input, product information such as the price, name, and department code of the product is obtained by referring to a PLU file or the like.
Sales registration is performed based on the product information.

At the time of this sales registration, when a customer requests settlement by credit card X, the clerk keeps the credit card X from the customer and sets it on the card reader / writer 21. With this set, the contents of the credit card X are read (step 10).
0). Further, the clerk asks the customer what to do with the payment method, and designates the payment method desired by the customer by key input.

From the data read from the credit card X, the credit company that issued the credit card X is determined based on the company code (in the case of a JIS1 format card) (steps 101, 111,...). In the case of the JIS1 format card, the card issuing credit company database for each member number is referred to based on the member number to determine the issuing credit company. As a result of this determination, a destination company for card payment is selected by checking the payment method designated by the key input and the card main table in the RAM 14.

For example, the issuer is credit company "A".
(YES in step 101), if the payment method is "collective" (YES in step 102), the credit company "A" is selected as the destination company as it is (step 106). If the payment method is "bonus" (YES in step 103), the credit company "B" is selected as the destination company (step 107). If the payment method is "Bonus combination" (YE in step 104)
S), the credit company "B" is selected as the destination company (step 108). If the payment method is "split" (YES in step 105), the credit company "C" is selected as the destination company (step 109). If the payment method is "Revo" (NO in step 105), the credit company "D" is selected as the destination company (step 110).

If the issuer is the credit company "B" (YES in step 111) and the payment method is "collective" (YES in step 112), the credit company "B" is selected as the destination company as it is (step 111). Step 11
6). If the payment method is "bonus" (step 11
3 (YES), the same credit company "B" is selected as the destination company (step 117). If the payment method is "Bonus combination" (YES in step 114), the same credit company "B" is selected as the destination company (step 118). If the payment method is "split" (YES in step 115), the credit company "C" is selected as the destination company (step 119). If the payment method is "Revo" (NO in step 115), the credit company "D" is selected as the destination company (step 120).

When the destination company is selected in this way, the user and the use status are introduced to the selected credit company, and if there is no problem, the card settlement is executed.

As described above, it is possible to automatically select a credit company capable of making a payment of a type desired by a user as a destination of settlement. For the attendant, it is only necessary to read the credit card X and key input of the payment method, so that troublesome measures such as searching for a destination are not required, and the burden is greatly reduced. The waiting time at the cashier is also reduced,
Don't bother card users or other customers.

In the above embodiment, application to a POS terminal has been described. However, the invention can be similarly applied to other devices as long as they handle credit cards. In addition, the present invention is not limited to the above embodiment, and various modifications can be made without departing from the scope of the invention.

[0028]

As described above, according to the present invention, the issuer of a credit card is determined, and the destination credit company is selected according to the determination result and the payment method desired by the user. Therefore, a credit processing device that can automatically select a credit company that can settle with the payment method desired by the credit card user as a destination, thereby reducing the burden on staff and reducing waiting time. Can be provided.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a main part of a control circuit according to one embodiment.

FIG. 2 is an exemplary view showing the configuration of the keyboard of the embodiment.

FIG. 3 is an exemplary view showing a data format of a credit card according to the embodiment.

FIG. 4 is a view showing a card main table of the embodiment.

FIG. 5 is a flowchart for explaining the operation of the embodiment.

[Explanation of symbols]

 11 ... CPU 13 ... ROM 14 ... RAM 15 ... Keyboard K9 ... Payment method designation key group

Claims (1)

[Claims] 1. A determination means for determining a credit card issuer, and a selection means for selecting a destination credit company in accordance with the determination result of the determination means and a payment method desired by a user. A credit processing device characterized by the above-mentioned.