JP2001216569A - Merchandise sales data processing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a merchandise sales data processing system capable of eliminating mismatching concerning account deduction between the side of a debit card settling processing terminal and the side of a financial institution without giving an unpleasant impression to a customer. SOLUTION: When data communication concerning authorization acknowledgement becomes an error, debit card settlement processing can be stopped and another settlement processing can be performed. After the data communication is restored normally, the canceling correcting processing of authorization concerning the debit card settlement processing stopped because of the communication error can be asked to the financial institution through data communication.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention can execute an accounting process for one transaction using a payment process selected from a plurality of types of payment processes including a debit card payment process using a debit card. In addition, the present invention relates to a merchandise sales data processing system that is formed so that the selected debit card payment processing is executed after obtaining authorization from a financial institution connected to enable data communication.

[0002]

2. Description of the Related Art A merchandise sales data processing device (for example, an electronic cash register) constituting a merchandise sales data processing system has a structure in which a debit card payment processing terminal is integrated and a debit card payment processing terminal 10P.
(Terminal main body 10PB and personal ID input unit 30) may be of another configuration connected by a cable.

FIGS. 12 and 13 show a debit card payment processing terminal 10P of another configuration. The debit card payment processing terminal 10P is connected to a member store center 40 via a public line 43, for example. Reference numeral 40 is connected to a financial institution (settlement institution) 70 via a dedicated line (or DDX-P) 45 and CAFIS 46.

As shown in FIG. 13, a debit card settlement processing terminal 10P is a terminal body 10P which is handled by an operator.
B and a personal ID input unit (PI
NPAD) 30, and both 10 PB and 30 are connected by a cable 29.

[0005] The terminal body 10PB includes a control unit (CPU, RO
M) and the input unit 20P for inputting the settlement amount and the like and the display unit 2
1P, a printer 22P, and a card reader 27P, and a personal ID input unit 30 includes a control unit (CPU, ROM
Etc.), an input unit 34, and a display unit 35, and can execute a debit card payment process after obtaining an approval of a financial institution 70 connected to a data communication using a debit card and inputting the payment amount. is there.

[0006] Here, in the merchandise sales data processing system, an accounting process for one transaction is performed using a payment process selected from a plurality of types of payment processes including a debit card payment process using a debit card. May be executed, and the selected debit card settlement process may be formed to be executable after obtaining authorization from the financial institution 70 communicably connected.

That is, in the electronic cash register constituting the product sales data processing system, when a product code is input using a scanner, for example (YES in ST1 in FIG. 14), the control unit (CPU, ROM) is in its own device ( Or
A product file (product name, unit price, etc.) corresponding to the input product code is obtained by referring to a product file (in the upper machine) (ST2), and the product is registered (stored) in the transaction file as product data (ST3). I do.

[0008] Further, the total amount is calculated (S4) on condition that the closing operation (YES in ST4) as one transaction end declaration after the merchandise is registered for all the merchandise purchased (sale merchandise).
T5) and so on, and the accounting processing (S
T6) is executed.

In this accounting processing (ST6), cash accounting processing, debit card settlement processing, credit card settlement processing, and the like shown in FIG. 15 can be selectively executed. Further, there may be a case where a plurality of accounting processes are selectively combined to perform full settlement (ST7). In any accounting process, the receipt 100 shown in FIG.
Is issued (ST8).

When the debit card settlement process is selected in ST6 of FIG. 14, the operator inserts the debit card received from the customer into the card reader 27P and reads and inputs the card contents (YES in ST10 of FIG. 15). Further, the user inputs an amount using input section 34 of personal ID input section 30 (YES in ST11). This money amount may be formed so that it can be input on the electronic cash register side.

Subsequently, a personal ID (personal identification number) is input by the customer referring to the personal identification number input guidance displayed on the display unit 35 and using the input unit 34 of the personal ID input unit 30 (YES in ST12). In response to a transmission request from the operator (YES in ST13), the control unit causes the financial institution 70
, The authorization is obtained (ST15).
If canceled (YES in ST14), S in FIG.
It returns to T6.

When the response from the financial institution 70 is received (YES in ST16), if the account has been debited (OK) (YES in ST17), a debit card settlement process (ST18) is executed, and the printer 22P operates. Issue a direct debit confirmation (ST19).

However, when approval is not obtained (ST16)
NO) and retry over (YES in ST20)
In this case, the debit card payment processing is rejected (error processing) (ST21). If the account has not been debited (NO in ST17), error processing (ST21) is also performed.

[0014]

By the way, the authorization is approved by the various data communication lines (43, 45, 46) between each debit card settlement processing terminal (each electronic cash register 10P) and the financial institution 70. It is transmitted and received via communication.

Thus, when either the debit card payment processing terminal (each electronic cash register) side or the financial institution 70 side is busy, the congestion of the data communication line peaks, and the influence of noise is large, A communication error may occur in which transmission and reception between the two 10P and 70 is prevented (YES in ST20).

However, this problem not only hinders simple data transmission / reception, but also causes each debit card settlement processing terminal (each electronic cash register 10P) and the financial institution 70 to operate.
In this case, there will be a debit mismatch between the customer and the store, causing not only the customer or the store to suffer a financial loss, but also harm the customer's feelings and depart from the debit card payment process, impeding the spread of the store, and causing the store to lose credit. Is very likely.

An object of the present invention is to provide a merchandise sales data processing system capable of eliminating a mismatch relating to debit between a debit card settlement processing terminal and a financial institution without impairing the customer's conviction.

[0018]

According to a first aspect of the present invention, there is provided an accounting process for one transaction using a payment process selected from a plurality of types of payment processes including a debit card payment process using a debit card. Is executable and
In the commodity sales data processing system formed so that the selected debit card payment processing can be executed after obtaining the authorization from the financial institution connected to enable data communication, the data communication related to the authorization with the financial institution is performed. In the event of an error, the debit card payment processing can be stopped and other payment processing can be executed, and the authorization related to the debit card payment processing that has been stopped due to a communication error after data communication has been normally restored is canceled. A merchandise sales data processing system formed so as to be capable of requesting the financial institution to perform correction processing through data communication.

In this invention, if an error occurs in the data communication relating to the authorization approval with the financial institution, the debit card payment processing is stopped. Even in this case, other settlement processing can be executed. After the data communication has been normally restored, the financial institution is requested to cancel and correct the authorization related to the debit card settlement process, which has been canceled due to a communication error, through the data communication.

Thus, even if the direct debit processing is executed before the data communication error occurs at the financial institution,
Since the financial institution cancels and corrects the authorization at the request of the debit card payment processing terminal, it is possible to eliminate the mismatch between the debit card payment processing terminal and the financial institution regarding the direct debit without harming the customer's mind. Therefore, the customer is not incurred any financial loss and can greatly contribute to the spread and spread of the debit card settlement processing.

According to the second aspect of the present invention, it is possible to execute an accounting process for one transaction by using a payment process selected from a plurality of types of payment processes including a debit card payment process using a debit card. In addition, in a merchandise sales data processing system formed so that the selected debit card payment process is executable after obtaining authorization from a financial institution connected to enable data communication,
When the data communication related to the authorization approval with the financial institution has an error, the debit card payment processing can be stopped and other payment processing can be executed, and the transaction information and the stopped debit card payment processing can be executed. A communication error slip on which communication error information is printed is formed so that it can be issued, and it is possible to confirm whether or not the settlement amount has been debited to the financial institution through the data communication for the transaction that issued the communication error slip and This is a merchandise sales data processing system formed to be able to request cancellation and correction processing for the account debit when it is confirmed that the account has been debited.

According to this invention, when an error occurs in data communication relating to authorization approval with the financial institution, the debit card settlement process is stopped. Even in this case, other settlement processing can be executed. A communication error slip on which the transaction information and the communication error information relating to the debit card settlement process are printed is issued.

The communication error information is preferably a message which can inform the customer of the possibility that the account has been debited and, if it has been debited, that correction processing will be performed. For example, "This transaction was canceled due to a communication error, but the transaction with the debit card was canceled, but the account may have been debited. In that case, we will process the correction and thank you."

After the communication error has been corrected and the data communication has been restored normally, it is confirmed whether the settlement amount of the transaction for which the communication error slip was issued and the financial institution through the data communication has been debited for the transaction. If it is confirmed that the account has been debited, we request a cancellation and correction process for the debit.

Therefore, even if the debit processing is executed before the data communication error occurs at the financial institution, the debit card payment processing terminal requests the financial institution to cancel and correct the authorization. It is possible to eliminate the mismatch between the card payment processing terminal side and the financial institution regarding the direct debit without harming the customer's mind. Therefore, the customer is not incurred any financial loss and can greatly contribute to the spread and spread of the debit card settlement processing. In addition, since a communication error slip on which communication error information relating to the canceled debit card payment processing is printed is issued, the customer is not made to feel suspicious.

According to a third aspect of the present invention, an accounting process for one transaction can be executed by using a payment process selected from a plurality of types of payment processes including a debit card payment process using a debit card. In addition, in a merchandise sales data processing system formed so that the selected debit card payment process is executable after obtaining authorization from a financial institution connected to enable data communication,
A communication error voucher in which the debit card settlement process can be continuously executed even if data communication related to the authorization approval with the financial institution has an error, and the transaction information and communication error information relating to the continuous debit card settlement process are printed. It is possible to confirm whether the settlement amount has been debited to the financial institution through the data communication for the transaction that issued the communication error slip and confirmed that the transaction has not been debited. In this case, the merchandise sales data processing system is formed so as to be able to request a debit correction process in which an account debit should be made for the transaction settlement amount.

According to this invention, even if the data communication related to the authorization approval with the financial institution has an error, the debit card settlement processing can be continuously executed. In this case, a communication error slip on which the transaction information and the communication error information relating to the continuous debit card settlement processing are printed is issued.

The communication error information is preferably a message which can notify the customer that the account has not been debited and, if the debit has not been deducted, that the debit will be made at a later date. For example, "This transaction was handled with a debit card, but a communication error has occurred, and it is possible that your account has not been debited. In that case, we will process the debit later. Thank you." It is.

After the communication error has been corrected and the data communication has been restored normally, it is confirmed whether the settlement amount of the transaction for which the communication error slip was issued and the financial institution has been debited through the data communication. Then, when it is confirmed that the transaction has not been debited, a request is made for a debit correction process for debiting the transaction settlement amount.

That is, even if a data communication error occurs, the debit card settlement process can be continuously handled, so that customer convenience can be further improved. If the debit has not been debited, the debit card payment processing terminal can request debit processing at the financial institution, so the mismatch between the debit card payment processing terminal and the financial institution regarding debiting will damage the customer's mind. Can be resolved without any problem. Therefore, the customer is not incurred any financial loss and can greatly contribute to the spread and spread of the debit card settlement processing. In addition, since a communication error slip on which communication error information for notifying the customer that the debit processing will be performed later is issued, the customer is not made to feel suspicious.

Further, according to a fourth aspect of the present invention, there is provided a merchandise sales data processing apparatus which is capable of printing and issuing a store copy slip having the same content as the content printed on the issued communication error slip and a customer signature field. System.

According to this invention, when a communication error slip to be handed to a customer is issued, a store copy slip having the same content as the content printed on the issued communication error slip and the customer signature field printed thereon is printed and issued. In addition to providing the same operation and effect as in the case of the invention of Item 3, it is possible to maintain evidence even for customers who are in error, so that unnecessary conflicts can be eliminated.

Further, according to the invention of claim 5, an accounting process for one transaction can be executed by using a payment process selected from a plurality of types of payment processes including a debit card payment process using a debit card. In the merchandise sales data processing system formed so that the selected debit card payment process can be executed after obtaining the authorization from the financial institution communicably connected to the data communication, the authorization for the authorization with the financial institution is When the data communication has an error, the debit card payment processing can be selectively stopped and other payment processing can be executed, and the transaction information and communication error information relating to the stopped debit card payment processing are printed. That the communication error slip was issued, and And it is possible to request the financial institution through the data communication whether or not the settlement amount has been debited and if it is confirmed that the debit has been debited, it is possible to request cancellation and correction processing for the debit. On the other hand, even when the data communication related to the authorization approval with the financial institution becomes an error, the debit card settlement processing can be selectively continuously executed, and the communication error relating to the transaction information and the continuous debit card settlement processing is performed. It is formed to be able to issue a store copy slip printing the same content as the content printed on the information error printed slip and the issued communication error slip and the customer signature field, and the transaction that issued the communication error slip and Confirmation of whether the settlement amount has been debited to the financial institution through data communication And a commodity sales data processing systems that have been asked formed so as to be able to draw down correction process should be a direct debit for the transaction settlement amount if it is confirmed that not a direct debit.

According to this invention, the debit card settlement process is selectively stopped when an error occurs in the data communication relating to the authorization approval with the financial institution. Even in this case, other settlement processing can be executed.
A communication error slip on which the transaction information and the communication error information relating to the debit card settlement process are printed is issued.

The communication error information is preferably a message that can inform the customer that the account has been debited and that if a debit has been made, a correction process is performed. For example, "This transaction was canceled due to a communication error, but the transaction with the debit card was canceled, but the account may have been debited. In that case, we will process the correction and thank you."

After the communication error has been corrected and the data communication has been restored normally, it is confirmed whether the settlement amount of the transaction for which the communication error slip was issued and the financial institution has been debited to the financial institution through the data communication. I do. If it is confirmed that the account has been debited, a request is made to cancel and correct the debit.

On the other hand, even when an error occurs in the data communication relating to the authorization approval with the financial institution, the debit card settlement processing can be selectively and continuously executed. In this case, a store copy slip that prints the same content as the content printed on the transaction information and the communication error information related to the continuous debit card settlement processing and the content printed on the issued communication error slip and the customer signature field is issued. I do.

[0038] The communication error information is preferably a message which can inform the customer that there is a possibility that the account has not been debited and if the debit has not been debited, the debit will be made at a later date. For example, "This transaction was handled with a debit card, but a communication error has occurred, and it is possible that your account has not been debited. In that case, we will process the debit later. Thank you." It is.

After the communication error has been corrected and the data communication has been restored normally, it is confirmed whether the settlement amount of the transaction for which the communication error slip was issued and the financial institution has been debited to the financial institution through the data communication. If it is confirmed that the account has not been debited, a request is made for a debit correction process for debiting the transaction settlement amount.

That is, when a data communication error occurs on the financial institution side, the debit card settlement can be stopped and continued execution can be selected. Moreover, if the cancellation is selected, even if the direct debit processing is executed, the financial institution can cancel and correct the authorization by a request from the debit card payment processing terminal. On the other hand, when the continuous execution is selected and the debit has not been debited, the debit processing can be performed on the financial institution side by a request from the debit card settlement processing terminal thereafter.

Accordingly, the mismatch between the debit card settlement processing terminal and the financial institution regarding the debit can be resolved without harming the customer's conviction. Customer convenience can be further improved. The customer is not incurred any financial loss and can greatly contribute to the spread of debit card payment processing. In addition, a communication error slip that prints communication error information relating to the canceled debit card settlement processing is issued, and if the execution is continued, a communication error slip that prints communication error information notifying the customer that the debit processing will be performed later, and the like, Since a store copy is issued, customers do not feel suspicious. Evidence preservation is possible even for customers who have made mistakes, thus eliminating unnecessary conflicts.

[0042]

Embodiments of the present invention will be described below with reference to the drawings.

(First Embodiment) As shown in FIG. 1 and FIG. 2, the commodity sales data processing system of the present invention has a basic configuration as a high-level machine for collectively managing a plurality of electronic cash registers 10 and each electronic cash register 10. Is connected to a store controller 50 via a data communication line (LAN) 55. Each electronic cash register 10 has a structure in which a terminal body of a debit card payment processing terminal is integrally incorporated, and a personal ID input section is provided. Numeral 30 is connected to the electronic cash register (terminal body of the debit card payment processing terminal) 10 via a cable 29. That is, as shown in FIG. 1 and FIG. 2, the terminal body of the debit card payment processing terminal includes the components (10B, 11, 12, 13, 14, 20, 21) of the electronic cash register 10.
Etc.).

Each electronic cash register (terminal body) 10 is connected to an external financial institution (an external financial institution) via a data communication line 55, a store controller 50, a data communication line (ISDN) 60, and a data communication line (CAFIS) (not shown). Data communication with the host computer 70 is possible.

Here, the merchandise sales data processing system is formed so that the debit card payment processing can be stopped and other payment processing can be executed when the data communication related to the authorization approval with the financial institution 70 has an error. It is configured to be able to request the financial institution 70 through the data communication for the cancellation and correction processing of the authorization related to the debit card payment processing that has been stopped due to a communication error after the execution of another payment processing and after the data communication has been restored normally. . In addition, "After data communication is restored normally"
Then, even if "after the execution of another settlement process" is excluded from the requirements, it can be implemented.

Now, each electronic cash register 10
As shown in FIG. 1, a CPU 11, a ROM 12, a RAM 1
3, hard disk drive (HDD) 14, scanner 19
(Scanner circuit 15), keyboard 20 (keyboard circuit 16), display 21 (display control circuit 17), printer 22 connected via input / output port (I / O) 18.
(Printer drive circuit 24) and automatic opening type drawer 23
(Drawer opening device 25), and further includes respective interfaces (I / F) 26 and 28, and can execute a merchandise registration function, an accounting processing function including a debit card settlement processing (card use accounting processing), and the like.

The RAM 13 is provided with a product file 13F and the like backed up by the HDD (14), and the display 21 is composed of an operator display 21CHR and a customer display 21CST shown in FIG.

As shown in FIG. 14, the basic function of the electronic cash register 10 is to input a product code using the scanner 19 (YES in ST1), and
U11, ROM12) refers to the product file 13F (S
T2) and perform product data (product name,
(Unit price, etc.) and register the product (ST3).

A tightening operation is performed (YES in ST4).
And the control units (11, 12) calculate the total amount (ST5).
Then, the selected accounting process (ST6) is performed. The account processing (YES in ST7) is completed with the full settlement (payment), and a receipt is issued (ST8). In this accounting process, a debit card settlement process and others (cash accounting process, coupon accounting process, credit accounting process, etc.) are formed so as to be selectable.

The personal ID input unit 30 includes a CPU 31, an RO
M32, RAM 33, input unit 34, display unit 35, and interface (IF) 36.
D (Personal Identification Number) can be input.

Here, the entire debit card payment processing terminal comprising the terminal body (10) and the personal ID input section 30 operates and operates as shown in FIGS. ST1 in FIG.
5 to ST20 and ST21 are the case of the conventional example (ST21 in FIG. 15).
15 to ST21). Reference numerals are added for convenience of explanation.

That is, in FIG. 3, if the electronic cash register (debit card settlement processing terminal) 10 can receive an approval response from the financial institution 70 to the authorization (ST15) (YES in ST16), It is confirmed whether or not the direct debit confirmation means (CPU 11, ROM 12) has been debited (ST17).

Confirm that the direct debit has been made (Y in ST17)
ES), the debit card settlement process is executed (ST18) and a debit confirmation is issued (ST1).
9) is done. However, if it is confirmed that the direct debit has not been made (NO in ST17), that is, the debit card is out of the validity period, there is no balance, the password is different, and so on, the error processing is performed (ST21). The debit card payment process cannot be executed (ST18).

However, if the time is over without a response even after retrying a predetermined number of times (N in ST16)
O, YES in ST20) is a case where a communication error has occurred because the financial institution 70 is busy, for example.
Debit card payment processing suspension control means (CPU 11, R
OM12) stops the debit card payment processing (ST2).
2) Do it.

Then, the suspension information storage control means (CPU 1
1, ROM 12) stores the transaction contents in the work area of the RAM 13 to the effect that the debit card settlement process was stopped because a communication error occurred (ST2).
3) Yes.

Also, the communication error processing message display control means (CPU 11, ROM 12) causes the communication error processing message (for example, "A communication error has occurred, so the debit card payment is stopped. Is displayed on the display 21 and the display unit 35 (ST24). When the payment is made in other processing (for example, cash processing, coupon processing, credit processing, etc.), the display is cleared (YES in ST25).

In FIG. 4, when the data communication becomes normal (YES in ST 30), the suspension memory presence / absence determining means (CPU 11, ROM 12) of the electronic cash register (debit card settlement processing terminal) 10 refers to the work area of the RAM 13. Then, it is determined whether or not there is a memory indicating that the credit card settlement process has been stopped due to the occurrence of a communication error (ST31). The judgment result is displayed on the display 21 (21
CHR).

When the operator who sees the display of the determination result indicating that there is a memory has operated the request key on the keyboard 20 to make a transaction correction request (YES in ST32), the collision determination control means (CP)
U11, ROM12) compares the transaction data with the suspension memory information to determine whether there is a match (ST3).
3) Yes.

When it is determined that there is a match (S
In T33, YES), the cancellation correction processing request control means (CP
U11, ROM12) requests the financial institution 70 to perform the above-mentioned authorization cancellation processing (ST34).

When the financial institution 70 receives this request,
The authorization is canceled and the electronic cash register (debit card payment processing terminal) 10 responds. Cancellation of an authorization includes the cancellation of any direct debit.

Then, when a cancellation corrected response is received from the financial institution 70 (YES in ST35, YES in ST36), the storage erasure control means (CPU 11, ROM 1)
2) erases the storage of the stop information stored in the work area of the RAM 13 (ST37). The above is executed for all stop information (YES in ST38).

However, the time is over (YE in ST39).
S) That is, when a response such as a data communication error occurrence, cancellation correction not completed, or the transaction not found is received (YES in ST35,
(NO in ST36) is subjected to error processing (ST40).

In the first embodiment having such a configuration, when an error occurs in the data communication relating to the authorization approval with the financial institution 70 (YES in ST20 of FIG. 3), the debit card settlement process is stopped (ST22). Then, other settlement processing is executed (YES in ST25).

After the execution of the other settlement process and after the data communication is restored normally, a request is made to the financial institution 70 through the data communication for the cancellation and correction processing of the authorization related to the debit card settlement process stopped due to the communication error (FIG. 4 ST34).

Thus, even if the account debit processing is executed before the data communication error occurs at the financial institution 70, the financial institution 70 cancels and corrects the authorization at the request of the debit card settlement processing terminal (10). Processing, the debit card payment processing terminal (1
The mismatch between the 0) side and the financial institution 70 regarding the direct debit can be eliminated without harming the customer's witness. Therefore, the customer is not incurred any financial loss and can greatly contribute to the spread and spread of the debit card settlement processing.

(Second Embodiment) In the second embodiment, the basic configuration is that of the first embodiment (FIGS. 1 and 2).
In the case where an error occurs in data communication related to the authorization approval with the financial institution 70, the debit card payment processing can be stopped and other payment processing can be executed [ST15 to ST25 in FIG. 3 is the same as ST15 to ST25 in FIG. 3).
ST26 and ST27 (ST271 to ST27 in FIG. 6)
As shown in 9), after execution of another settlement process, the communication error slip 110 shown in FIG. 7 in which the transaction information and the communication error information relating to the canceled debit card settlement process are printed can be issued, and the communication error slip 110 is issued. When it is confirmed that the settlement amount has been debited to the financial institution 70 through transaction and data communication, it is possible to request cancellation and correction processing of the debit.

In the second embodiment, the financial institution 70
If an error occurs in the data communication relating to the authorization of the authorization (YES in ST20 of FIG. 5), the debit card settlement process is stopped (ST22). Storage of stop information (ST23), display of communication error processing message (S23)
After T24), other settlement processing is executed (ST2).
5 is YES).

Thereafter, the communication error slip print issuance control means (CPU 11, ROM 12) issues the communication error slip 110 shown in FIG. 7 on which the transaction information and the communication error information relating to the debit card settlement processing are canceled (ST26). I do. In addition, it can be issued even if it is not "after execution of another settlement process".

The communication error information is preferably a message which can inform the customer that there is a possibility that an account has been debited and, in the unlikely event that a debit has been made, a correction process. In the case of Fig. 7, "This transaction was canceled due to a communication error, but debit card transaction was canceled, but the account may have been debited. In that case, we will correct it. is there.

With respect to the transaction that issued the communication error slip 110 and through the data communication, the financial institution 70 executes an account withdrawal confirmation process (ST27 in FIG. 5 → FIG. 6) for confirming whether or not the settlement amount has been debited. Execute.

In FIG. 6, the debit card payment processing terminal (10) corrects the communication error and the data communication is normal (S
After restoring to T271 (YES), the financial institution 70 is inquired of the presence or absence of account withdrawal (ST272).

Receiving response from financial institution 70 (ST27)
3 (YES), the withdrawal confirmation means (CPU 11, R
OM12) confirms whether or not the amount related to the transaction has been withdrawn (ST275). When it is confirmed that the account has been debited (YES in ST275), the cancellation correction request control means (CPU11, ROM12) requests a cancellation correction process for the account debit (ST276).

When the response of the cancellation correction is received from the financial institution 70 (YES in ST277), the stop information stored in the work area of the RAM 13 is deleted (ST2).
79). It is confirmed by the withdrawal confirmation means (11, 12) that the amount related to the transaction has not been withdrawn (ST27)
The same applies to the case of NO).

If a communication error occurs again (ST
NO in ST273, YES in ST274, N in ST277
O, YES in ST278) waits for normalization (ST27)
1).

Therefore, in addition to providing the same operation and effect as in the first embodiment, the communication error slip 110 of FIG. 7 in which the communication error information relating to the debit card settlement processing which has been canceled is printed is issued. Don't make customers feel suspicious.

(Third Embodiment) The third embodiment has a basic configuration similar to that of the first (second) embodiment (FIGS. 1 and 2). Is formed so that the debit card payment processing can be stopped and other payment processing can be executed when the data communication related to the authorization approval with the financial institution 70 has an error [ST15 to ST25 in FIG. The same as ST15 to ST25.)], The debit card settlement process is continued even if an error occurs in the data communication related to the authorization approval with the financial institution 70 as shown in FIGS. It is possible to issue a communication error slip 115 which is executable and prints the transaction information and communication error information relating to the continuous debit card settlement processing. The amount of payment to financial institutions 70 has been asked to be able to form a draw-down correction processing should be a direct debit for the transaction settlement amount if it is confirmed that it is not has become a direct debit and through the data communication for the transaction.

FIG. 8 shows the second embodiment of FIG.
For the same step (ST), the same S
T number (for example, ST16 to ST17, ST19 to ST
21) and similar steps (eg, ST24,
ST27, etc.), “K” is added after the ST number. Also, the case of FIG. 9 is the same as the comparison with FIG. 6 which is the second embodiment. This is for ease of explanation and simplification.

That is, even if the data communication related to the authorization approval with the financial institution 70 has an error (NO in ST16 in FIG. 8, YES in ST20), the debit card settlement processing is continuously executed (ST18K). Can be.

In the third embodiment, the communication error is displayed on the display 21 (and the display unit 35) (ST24K), and the operator (or the customer) continues using the keyboard 20 (or the input unit 34). When execution is selected (S
At T28K), continuation processing is performed (ST18K). This is to confirm continuation intention.

In this case, the communication error slip print issuance control means (CPU 11, ROM 12) prints the transaction information and the communication error information relating to the continuous debit card settlement processing shown in FIG.
Is issued (ST26K1).

The communication error information is preferably a message which can notify the customer that the account has not been debited and, if the debit has not been deducted, that the debit will be made at a later date. In the case of Fig. 10 (A), "This transaction was handled with a debit card, but a communication error has occurred, so the account may not have been debited.
In that case, we will process the withdrawal later, thank you. ".

Further, a store copy slip 116 shown in FIG. 10B in which the same content as that printed on the issued communication error slip 115 and the customer signature field 117 is printed can be printed and issued (ST26K2). . Thereafter, a direct debit confirmation process (ST27K → FIG. 9) is performed.

In FIG. 9, the debit card settlement processing terminal (10) corrects the communication error and the data communication is normal (S
After restoring to T271), the financial institution 70 is inquired to confirm the presence or absence of account withdrawal (ST272K).

Receiving Response from Financial Institution 70 (ST27)
If 3K is YES), the withdrawal confirmation means (CPU 11,
The ROM 12) confirms whether or not the amount related to the transaction has been withdrawn (ST275K). If it is confirmed that the account has not been debited (NO in ST275K),
Direct debit correction request control means (CPU 11, ROM 12)
Requests debit correction processing for the account debit (ST2
76K). It is confirmed by the withdrawal confirmation means (11, 12) that the amount related to the transaction has been withdrawn (ST275).
If K is YES), there is no problem and the process ends.

If a communication error occurs again (ST
If NO in 273K, YES in ST274, NO in ST277K, YES in ST278), the process waits for normalization (ST2).
71).

That is, even when a data communication error occurs (YES in ST20 of FIG. 8), the debit card settlement processing can be continued (ST18K), so that customer convenience can be further improved. If the debit has not been debited, the debit card payment processing terminal (10) can request the debit processing at the financial institution 70 by request, so that the debit card payment processing terminal (10) and the financial institution 70 can debit the account. The mismatch can be eliminated without harming the customer's feelings. Therefore, the customer is not incurred any financial loss and can greatly contribute to the spread and spread of the debit card settlement processing. In addition, since a communication error slip on which the communication error information 115 for notifying the customer that the withdrawal processing will be performed later is issued, the customer does not feel doubt. Further, since the store copy slip 116 having the customer sign field 117 is formed so as to be able to be printed and issued in the same manner as the communication error slip 115, the sign of the contents can be obtained in the customer sign field, so that mistakes can be made later. Evidence preservation can also be performed for customers, thus eliminating unnecessary disputes.

(Fourth Embodiment) In the fourth embodiment, as shown in FIG. 11, the debit card settlement processing is stopped due to the same communication error as in the first (second) embodiment, and After the alternative settlement process, when the data communication is normal after the alternative settlement process, the settlement process can request the financial institution 70 to cancel and correct the debit, and the debit card settlement process can be continued even if a communication error similar to that in the third embodiment occurs. In addition, when it is confirmed that the transaction has not been debited, it is configured to be able to select a payment process that can request a debit correction process that should be debited for the transaction settlement amount, a settlement process among cash settlement processes and the like. I have.

That is, the debit card settlement process is selected (YES in ST50) and is continuously selected (YE in ST51).
If S) is selected, the third embodiment is selected and executed (ST5).
2) Can be performed and continuation is not selected (ST5)
(No. 1) can select and execute the second (or first) embodiment (ST53), and if cash settlement processing is selected (YES in ST54), select and execute cash settlement processing (ST55). Can be done. Other settlement processing (for example, coupon use, credit card use, etc.) can be selectively executed.

In this way, when the data communication relating to the authorization approval with the financial institution 70 has an error, the debit card payment processing can be selectively stopped and the other payment processing can be executed. Issue a communication error slip 110 on which the transaction information and the communication error information relating to the suspended debit card settlement processing are printed, and if the transaction settlement amount has been debited, the relationship with the financial institution 70 through data communication. If it can be confirmed in the above, it is possible to request cancellation and correction processing for the account debit, while on the other hand, even if a communication error occurs, the debit card payment processing can be selectively continued and related to the transaction information and the continuous debit card payment processing Communication error slip 115 printed with communication error information
And customer's signature field 1 equivalent to issue communication error slip 115
17 can be issued, and a request can be made to the financial institution 70 via data communication for a request for a direct debit correction if it is confirmed that the settlement amount has not been debited. Can be.

In the case of such a construction, the financial institution 7
When a data communication error occurs on the 0 side, the debit card payment can be stopped and continued execution can be selected. In addition, when cancel is selected (NO in S51, S
Even if the direct debit processing is executed in T53), the financial institution 70 can cancel and correct the authorization by a request from the debit card payment processing terminal (10).

On the other hand, when the continuous execution is selected (ST51)
(YES in ST52) and if the debit has not been debited, the debit card can be debited on the financial institution 70 side in response to a request from the debit card settlement processing terminal side.

Therefore, the mismatch between the debit card settlement processing terminal (10) and the financial institution 70 regarding the direct debit can be eliminated without deteriorating the customer's mind. Customer convenience can be further improved. The customer is not incurred any financial loss and can greatly contribute to the spread of debit card payment processing. In addition, a communication error slip 110 that prints communication error information relating to the canceled debit card settlement processing is issued, and if the execution is continued, a communication error slip that prints communication error information notifying the customer that the debit processing will be performed later, etc. Since 115 and the store copy slip 116 are issued, the customer does not feel doubt. Evidence preservation is possible even for customers who have made mistakes, thus eliminating unnecessary conflicts.

[0093]

According to the first aspect of the present invention, when the data communication related to the authorization approval with the financial institution has an error, the debit card payment processing is stopped and the other payment processing is executed. A data communication error occurred at the financial institution because it is a product sales data processing system that can be requested to a financial institution to cancel and correct the authorization related to the debit card payment process that was canceled because of a communication error after normal restoration Even if the direct debit processing has been executed before, the debit card payment processing terminal requests and the financial institution cancels and corrects the authorization, so the debit card payment processing terminal and the financial institution debit the account. Can be resolved without harming the customer's feelings. Therefore, the customer is not incurred any financial loss and can greatly contribute to the spread and spread of the debit card settlement processing.

According to the second aspect of the present invention, when data communication relating to the authorization approval with the financial institution has an error, the debit card settlement processing is stopped and other settlement processing is executed, and the transaction information If it is possible to issue a communication error slip printed with communication error information related to the canceled debit card payment process and if it is confirmed that the transaction that issued the communication error slip has been debited, the cancellation of the account debit shall be corrected Since it is a product sales data processing system that can be requested to a financial institution, even if the financial institution performs a direct debit process before a data communication error occurs, the debit card payment processing terminal At the request, the financial institution cancels and corrects the authorization. A mismatch on the direct debit of the side and the financial institutions side can be eliminated without prejudice to the impression of the customer.
Therefore, the customer is not incurred any financial loss and can greatly contribute to the spread and spread of the debit card settlement processing. In addition, since a communication error slip on which communication error information relating to the canceled debit card payment processing is printed is issued, the customer is not made to feel suspicious.

According to the third aspect of the present invention, the debit card settlement processing is continuously executed even when the data communication related to the authorization approval with the financial institution has an error, and the transaction information and the continuous debit card settlement processing are performed. Issue a communication error slip with the communication error information printed on it, and if it is confirmed that the settlement amount for the transaction that issued the communication error slip has been debited, debit the transaction settlement amount. Since the merchandise sales data processing system is configured to be able to request the financial institution to perform the debit correction processing, the debit card settlement processing can be continued even if a data communication error occurs. Therefore, customer convenience can be further improved. If the debit has not been debited, the debit card payment processing terminal can request debit processing at the financial institution, so the mismatch between the debit card payment processing terminal and the financial institution regarding debiting will damage the customer's mind. Can be resolved without any problem. Thus, the customer does not suffer any financial loss and can greatly contribute to the spread of the debit card settlement processing. In addition, since a communication error slip on which communication error information for notifying the customer that the debit processing will be performed later is issued, the customer is not made to feel suspicious.

Further, according to the fourth aspect of the present invention, a store copy slip having the same content as the content printed on the communication error slip and the customer signature column printed thereon can be printed and issued. In addition to providing the same effect as in the case of the invention of the above, the present invention can also maintain evidence for a customer who has made a mistake, so that unnecessary conflicts can be eliminated.

Further, according to the invention of claim 5, when data communication relating to authorization approval with a financial institution becomes an error, the debit card payment processing can be selectively stopped and other payment processing can be executed. Is formed to be able to issue a communication error slip printed with communication error information related to the suspended debit card payment processing, and it is confirmed that the settlement amount has been debited for the transaction that issued the communication error slip. It is possible to request the cancellation and correction processing of the debit card payment, and even if the data communication related to the authorization approval with the financial institution becomes an error, the debit card payment processing can be selectively continuously executed and the communication error related to the continuous debit card payment processing Can issue communication error slip with information printed and store copy slip with customer sign field And if it is confirmed that the settlement amount for the transaction that issued the communication error slip has not been debited, it can be requested to perform a debit correction process that should debit the transaction settlement amount. Since it is a commodity sales data processing system, when a data communication error occurs on the financial institution side, the debit card settlement can be stopped and continued execution can be selected. In addition, when the cancellation is selected, even if the direct debit processing is executed, the financial institution can cancel and correct the authorization by a request from the debit card payment processing terminal. On the other hand, when the continuous execution is selected and the debit has not been debited, the debit processing can be performed on the financial institution side by a subsequent request from the debit card settlement processing terminal side. Therefore, the mismatch between the debit card payment processing terminal side and the financial institution regarding the direct debit can be eliminated without deteriorating the customer's feelings. Customer convenience can be further improved. Customers do not suffer financial losses,
This can greatly contribute to the spread of debit card payment processing. In addition, a communication error slip that prints communication error information relating to the canceled debit card settlement processing is issued, and if the execution is continued, a communication error slip that prints communication error information notifying the customer that the debit processing will be performed later, and the like. Since a store copy is issued, customers do not feel suspicious.
Evidence preservation is possible even for customers who have made mistakes, thus eliminating unnecessary conflicts.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a first embodiment of the present invention.

FIG. 2 is also an external perspective view.

FIG. 3 is a flowchart for explaining an authorization operation and the like.

FIG. 4 is a flowchart for explaining a cancellation correction processing request operation and the like.

FIG. 5 is a flowchart illustrating an authorization operation and the like according to a second embodiment of the present invention.

FIG. 6 is a flowchart for explaining a direct debit confirmation processing operation.

FIG. 7 is also a diagram for explaining a communication error slip.

FIG. 8 is a flowchart for explaining an authorization operation and the like according to a third embodiment of the present invention.

FIG. 9 is a flowchart for explaining a direct debit confirmation processing operation.

FIG. 10 is also a diagram for explaining a communication error slip and a communication error slip for store copy.

FIG. 11 is a flowchart illustrating a payment processing selection operation according to a fourth embodiment of the present invention.

FIG. 12 is a schematic diagram for explaining a conventional example.

FIG. 13 is an external perspective view for explaining a conventional example.

FIG. 14 is a flowchart for explaining a product registration function and an accounting function in the conventional example and the present invention.

FIG. 15 is a flowchart illustrating a conventional debit card payment processing operation.

FIG. 16 is a diagram for explaining a receipt according to a conventional example and the present invention.

[Explanation of symbols]

REFERENCE SIGNS LIST 10 electronic cash register (debit card settlement processing terminal) 11 CPU 12 ROM 13 RAM 20 keyboard 21 display 30 personal ID input unit 31 CPU 32 ROM 33 RAM 34 input unit 35 display unit 50 store controller 55 data communication line (LAN) 60 Public lines 70 Financial institutions

Claims (5)

[Claims] An accounting process for one transaction can be executed by using a payment process selected from a plurality of types of payment processes including a debit card payment process using a debit card, and the selected debit can be executed. In a product sales data processing system formed so that the card settlement process can be executed after obtaining an authorization from a financial institution connected so as to be capable of data communication, data communication with the financial institution regarding the authorization approval has failed. In this case, the debit card payment processing can be stopped and other payment processing can be executed, and the authorization cancellation processing for the debit card payment processing stopped due to a communication error after data communication has been normally restored can be performed by data. A business that can be requested to the financial institution through communication Sales data processing system. 2. An accounting process for one transaction can be executed by using a payment process selected from a plurality of types of payment processes including a debit card payment process using a debit card, and the selected debit In a product sales data processing system formed so that the card settlement process can be executed after obtaining an authorization from a financial institution connected so as to be capable of data communication, data communication with the financial institution regarding the authorization approval has failed. In the case, the debit card settlement process is formed so that it can be stopped and other settlement processes can be executed, and the transaction information and the communication error slip on which the communication error information related to the stopped debit card settlement process is printed can be issued, About the transaction that issued the communication error slip and through the data communication Product sales that are able to confirm to the financial institution whether the settlement amount has been debited and if it is confirmed that the debit has been debited, it is possible to request cancellation and correction processing of the debit. Data processing system. 3. An accounting process for one transaction can be executed by using a payment process selected from a plurality of types of payment processes including a debit card payment process using a debit card, and the selected debit can be executed. In a product sales data processing system formed so that the card settlement process can be executed after obtaining an authorization from a financial institution connected so as to be capable of data communication, data communication with the financial institution regarding the authorization approval has failed. Even in this case, the debit card settlement process can be continuously executed and a communication error slip on which the transaction information and the communication error information regarding the continuous debit card settlement process are printed can be issued, and the transaction that issued the communication error slip and The settlement amount is transferred to the financial institution via data communication. Overlooked it is possible to confirm whether or not and commodity sales data processing system that the draw-down correction processing should be the direct debit have been asked to be able to form for the transaction settlement amount if it is confirmed that not a direct debit. 4. The merchandise sales data processing system according to claim 3, wherein a store copy slip printed with the same content as the content printed on the issued communication error slip and a customer signature field is printable and issueable. . 5. An accounting process for one transaction can be executed by using a payment process selected from a plurality of types of payment processes including a debit card payment process using a debit card, and the selected debit can be executed. In a product sales data processing system formed so that the card settlement process can be executed after obtaining an authorization from a financial institution connected so as to be capable of data communication, data communication with the financial institution regarding the authorization approval has failed. In this case, the debit card payment processing can be selectively stopped and other payment processing can be executed, and a communication error slip on which the transaction information and the communication error information relating to the stopped debit card payment processing are printed can be issued. A transaction that issued a communication error slip and said data communication Through the financial institution, it is possible to confirm whether or not the settlement amount has been debited, and if it is confirmed that the debit has been debited, it is formed so as to be able to request cancellation and correction processing for the debit. Even if the data communication related to the authorization approval with the financial institution has an error, the debit card settlement processing can be selectively continuously executed, and the transaction information and communication error information on the continuous debit card settlement processing are printed. It is formed so as to be able to issue a store copy slip printing the same content as the content printed on the issued communication error slip and the issued communication error slip and the customer sign column, and for the transaction that issued the communication error slip and through the data communication. It is possible to check with the financial institution whether the payment amount has been debited and it has not been debited Commodity sales data processing system in which the have been asked to be able to form a draw-down correction processing should be the direct debit of the transaction settlement amount if it is confirmed.