JP2001236572A - Transaction system and recording medium with program for terminal equipment recorded thereon - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable payment with a debit card or the like simultaneously with the purchase of commodity. SOLUTION: This transaction system is provide with an input device 10 for clerk for inputting commodity purchase information, an input device 12 for customer to input coin dispensation information and a POS register 16 for exchanging the coin dispensation information inputted from the input device 12 for customer and the commodity purchase information inputted from the input device 10 for clerk with a server device and calculating change from the relevant coin dispensation information and the relevant commodity purchase information. Thus, since 'purchase of commodity', 'dispensation of cash' and 'settlement thereof' can be simultaneously performed, convenience can be improved.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction system for purchasing goods at a convenience store or the like and simultaneously withdrawing money with a debit card or the like, and a recording medium storing a program for a terminal device.

[0002]

2. Description of the Related Art A conventional POS (Point Of Sales) system installed in a convenience store or the like
It comprises an S register, a keyboard, a barcode scanner, a credit card reader, a display, a printer, and the like. Such a POS system operates as follows. First, the clerk registers sales by reading a barcode attached to the product with a barcode scanner. Subsequently, when the subtotal result is displayed on the display, the customer pays using a credit card or cash / cash voucher. In the case of payment by credit card, the clerk reads the credit card with a credit card reader, and the same amount as the subtotal is paid through the credit card company. In the case of payment by cash / cash voucher, the customer pays an amount equal to or more than the subtotal amount, and the amount obtained by subtracting the subtotal amount from the payment amount is returned to the customer as change.

[0003]

However, this prior art has the following problems. A first problem is that a credit card having a debit card function or an electronic money function, or a bank card having a debit card function or an electronic money function (hereinafter referred to collectively as a "debit card") Is not possible. The reason is,
This is because there was only a credit card reader as card information input means of the POS system. The second problem is that a payout function using a debit card has not been realized. The reason is CD (Cash Dispenser)
This is because the function has not been added to the POS system.

[0004] The debit card service refers to a service in which payment can be made with a bank card (cash card) instead of cash when shopping at a department store or convenience store, or when refueling at a gas station.

[0005]

SUMMARY OF THE INVENTION It is therefore an object of the present invention to provide a transaction system which enables payment with a debit card or the like at the same time as the purchase of a product, and a recording medium on which a program for a terminal device is recorded.

[0006]

SUMMARY OF THE INVENTION A transaction system according to the present invention comprises an input device for a clerk for inputting product purchase information by a clerk, an input device for a customer for inputting money withdrawal information, and an input device for a customer. A terminal device that transmits and receives the money dispensing information input from the server device and the product purchase information input from the clerk input device, and calculates a change from the money dispensing information and the product purchase information. It is provided with. For example, the terminal device uses a POS register, and the customer input device uses a debit card. Further, the terminal device may calculate the withdrawal amount based on only the money dispensing information when the product purchase information does not purchase the product.

[0007] The clerk inputs merchandise purchase information to the terminal device via the clerk input device. The product purchase information is, for example, a product name, a unit price, a number, and the like in the POS system.
On the other hand, the customer inputs the money dispensing information to the terminal device via the customer input device. The money dispensing information is, for example, a card number in a debit card service, a password,
This is the amount paid out. The first function of the terminal device is to transmit and receive the input money dispensing information and the product purchase information to and from the server device. This first feature is
That is, the conventional POS system and the debit card service are performed separately. The second function of the terminal device is to calculate a change based on the money dispensing information and the product purchase information. If a specific example is described, if the payout amount obtained from the money dispensing information is 10,000 yen and the product purchase price obtained from the product purchase information is 1000 yen, the change is calculated as 9000 yen. This 9000 yen is paid to the customer by the clerk.

As described above, since "purchase of merchandise", "payment of cash" and "payment of these" which have conventionally been performed separately can be performed at the same time, it is very convenient. In addition, since the customer himself / herself inputs the money dispensing information into the terminal device, there is no room for the clerk to enter the money dispensing information, so that it is safe. For example, it is possible to prevent a crime such as a store clerk entering a larger amount of payout and fraudulent difference.

A computer-readable recording medium according to the present invention includes a clerk input device by which a clerk inputs product purchase information, a customer input device by which a customer inputs money dispensing information, and a terminal device having a computer. For example, a floppy disk, a semiconductor ROM, a CD-ROM, a DVD-ROM, or the like, used in a transaction system provided with. And the computer-readable recording medium according to the present invention has a function of transmitting and receiving to and from the server device regarding the money dispensing information input from the customer input device and the product purchase information input from the clerk input device, A terminal device program for causing the terminal device to realize a function of calculating change from the money dispensing information and the product purchase information is recorded. Further, when the product purchase information does not purchase the product, the function of calculating the withdrawal amount based only on the money withdrawal information may be a computer-readable recording medium that records a terminal device program that causes the terminal device to be realized. Good.

[0010]

FIG. 1 is a block diagram showing an embodiment of a transaction system according to the present invention. Hereinafter, description will be made based on this drawing.

The transaction system according to the present embodiment includes a clerk input device 10 for a clerk to input product purchase information, a customer input device 12 for a customer to input money dispensing information, and an input from the customer input device 12. The terminal device transmits and receives the money dispensing information and the product purchase information input from the clerk input device 12 to and from the server device 14 and calculates a change from the money dispensing information and the product purchase information. And a POS register 16.

The clerk input device 10 registers the sales of merchandise and reads card information of a credit card. The customer input device 12 inputs a payout amount from the debit card and reads or writes card information of the debit card. The server device 14 performs a merchandise management process and a credit inquiry process for card information. The POS register 16 has a register function, a communication function with the server device 14, and the like.

The POS register 16 includes a store clerk display 163 for displaying the operation result of the POS register 16 and the like, and a printer 164 for issuing specifications and receipts.
And are attached. The customer input device 12 is provided with a customer display 123 for displaying operation results and the like on the customer input device 12.

The clerk input device 10 includes a barcode scanner 101, a clerk keyboard 102, and a card reader 10.
3 and so on. The barcode scanner 101 reads sales registration data from a barcode attached to a product. The clerk keyboard 102 allows the clerk to input sales registration data and payment methods. The card reader 103 acquires credit card information by scanning a credit card.

The customer input device 12 is a card reader /
A writer 121, a customer keyboard 122, and the like are provided. The card reader / writer 121 acquires card information by inserting a debit card. Also,
For a debit card that needs to store payout information, the card reader / writer 121 writes the payout information to the debit card after the payout. The customer's keyboard 122 allows the customer to input a personal identification number and a payout amount with ten keys, and also has a calculator function.

The POS register 16 includes a sales calculation unit 161 and a payment method correspondence unit 162, which are realized by a computer program. The sales calculation means 161 inquires the server device 14 of the product data input from the barcode scanner 101 to obtain product information such as price information, and displays the product information and the subtotal on the display 163 for the clerk. Payment method support means 162
Acquires from the clerk keyboard 102 a method of paying the subtotal amount determined by the sales calculation means 161. That is, the sales calculation means 161 uses the clerk input device 12
Has a function of transmitting / receiving the product purchase information input from the server device 14 to / from the server device 14. Means of payment method 1
Reference numeral 62 has a function of transmitting and receiving the money dispensing information input from the customer input device 12 to and from the server device 14 and a function of calculating a change from the money dispensing information and the product purchase information.

Next, an outline of the operation of the transaction system of the present embodiment will be described.

When the payment method is cash or various kinds of cash vouchers, the clerk inputs the deposit amount from the clerk's keyboard 102, and pays the customer an amount obtained by subtracting the subtotal amount from the deposit amount as change. When the payment method is a credit card, the clerk inputs the amount to be paid by the credit card from the subtotal amount from the clerk keyboard 102, and obtains the credit card information from the card reader 103. Then, the POS register 16 transmits the card information and the payment amount to the server device 14, and outputs the result from the printer 164 after the credit inquiry in the server device 14. Printer 1
The receipts outputted from 64 are two sheets of the details of the registered sales product and the details of using the credit card.

When the payment method is a debit card, the customer inserts the debit card into the card reader / writer 121 and inputs the payout amount including the subtotal amount and the personal identification number from the customer keyboard 122. Then, POS
The register 16 transmits the card information and the payment amount to the server device 14 and outputs a settlement result from the printer 164 after the credit inquiry in the server device 14. Printer 164
The receipts output from are two items, the details of the registered sales product and the details of the card use. If it is necessary to record the payout information in the memory in the debit card, the payout information is written to the debit card by the card reader / writer 121.

FIG. 2 to FIG. 4 are flowcharts showing the operation in the transaction system of the present embodiment. Hereinafter, a first example of the operation in the transaction system of the present embodiment will be described in detail with reference to FIGS.

First, the clerk inputs a sales request from the clerk's keyboard 102, and supplies merchandise data from the barcode scanner 101 to the sales calculator 161. Then, the sales calculation means 161 performs sales registration by referring to the server device 14 for product data and acquiring product information such as price information (step 1 in FIG. 2).
2). The sales registration result is displayed on the salesperson display 163.
Will be displayed. On the other hand, when the clerk inputs only the payout request from the clerk keyboard 102, a message prompting insertion of the debit card into the card reader / writer 121 is displayed on the customer display 123 (step 17 in FIG. 2 and step 17 in FIG. 4). When the sales registration in step 2 is completed, the clerk presses the “subtotal” key on the clerk keyboard 102. Then, the subtotal key pressing information is supplied to the payment method corresponding means 162, and the subtotal result is displayed on the display 163 for the clerk and the display 123 for the customer (steps 3, 4 in FIG. 2).

[0022] The case where the payment method is cash or cash voucher will be described.

First, the clerk uses the clerk's keyboard 102 to enter the amount of payment, and presses the "total" key or various "cash voucher" keys. Then, the payment amount and the key press information are supplied to the payment method corresponding means 162 (steps 5 to 7 in FIG. 2). If the payment amount input in step 6 is the same as the subtotal amount displayed in step 4, the printer 164 outputs a receipt (steps 8 and 1 in FIG. 2).
1). The payment amount entered in step 6 is equal to step 4.
If the sum is larger than the subtotal amount indicated by (1), the payment method corresponding means 162 performs a change check (step 9 in FIG. 2).

Subsequently, if the change is smaller than the subtotal amount displayed in step 4, the change check is "no problem".
Therefore, the payment method corresponding means 162 makes the clerk pay the change, and the printer 164 outputs the receipt (FIG. 2).
Step 11). If the change is greater than or equal to the subtotal amount displayed in step 4, the change check is "problematic", and the payment method corresponding means 162 checks in step 6 to re-enter the appropriate payment amount. (Step 9 in FIG. 2). If the payment amount input in step 6 is smaller than the subtotal amount displayed in step 4, the payment method corresponding means 162 returns the sequence to step 5 to specify the payment method for the remaining subtotal amount (step 8 in FIG. 2). ).

[0025] The case where the payment method is a credit card will be described.

First, the clerk uses the clerk's keyboard 102 to enter the payment amount and press the "credit" key. Then, the payment amount and the key press information are supplied to the payment method corresponding means 162, and a message prompting the card scanning operation is displayed on the display 163 for the clerk (step 5 in FIG. 2, steps 12 to 13 in FIG. 3). Subsequently, when the clerk scans the credit card using the card reader 103, the card information is read and supplied to the payment method corresponding means 162 (step 14 in FIG. 3). Then, the payment method corresponding means 162
The credit inquiry is performed by transmitting the card information and the payment amount input in step 12 to the server device 14.

Subsequently, information that payment by a credit card is possible is sent from the server device 14 to the payment method corresponding means 1.
When supplied to 62, a message prompting entry of the payment category is displayed on display 163 for the clerk. continue,
When the clerk inputs the payment type from the clerk keyboard 102, the payment type is supplied to the payment method corresponding means 162 (step 15 in FIG. 3). If the payment amount input in step 12 is the same as the subtotal amount displayed in step 4, the printer 164 outputs a receipt and a credit usage statement (step 16 in FIG. 3, step 11 in FIG. 2). If the payment amount input in step 12 is smaller than the subtotal amount displayed in step 4, the payment method corresponding unit 162 returns the sequence to step 5 to specify the payment method for the remaining subtotal amount (FIG. 3).
Step 16).

[0028] The case where the payment method is a debit card will be described.

First, the clerk presses the “debit card” key using the clerk keyboard 102. Then, the key press information is supplied to the payment method corresponding means 162, and a message prompting insertion of the debit card is displayed on the customer display 123 (FIG. 2, step 5, FIG. 4, step 17). Subsequently, when the customer or the clerk inserts the debit card into the card reader / writer 121, the card information is supplied to the payment method corresponding means 162, and a message prompting the input of the personal identification number is displayed on the display 123 for the customer ( FIG. 4 step 18). Subsequently, when the customer supplies the personal identification number to the payment method corresponding means 162 using the customer's keyboard 122, a message prompting the input of the amount to be paid out is displayed on the customer's display 1.
23 (step 19 in FIG. 4). Subsequently, the customer inputs the payout amount using the customer keyboard 122 and presses the “OK” key. Then, the payment method corresponding unit 162 transmits the card information in step 18, the personal identification number in step 19, and the amount paid out in step 20 to the server device 14 to make a credit inquiry.

Subsequently, the information that the card can be paid is supplied from the server device 14 to the payment method corresponding means 162. If the payout amount input in step 20 is the same as the subtotal amount displayed in step 4, Printer 1
64 outputs the receipt and the card usage statement (FIG. 4, step 22, FIG. 2, step 11). If the payout amount input in step 20 is larger than the subtotal amount displayed in step 4, the payment method corresponding unit 162 subtracts the subtotal amount displayed in step 4 from the payout amount input in step 20. Is paid to the store clerk as a payout amount. At this time, the printer 164 outputs the receipt and the card usage details (steps 22 to 2 in FIG. 4).
3, FIG. 2, step 11). If the payout amount input in step 20 is smaller than the subtotal amount displayed in step 4, the payment method corresponding means 162 returns the sequence to step 5 to specify the payment method for the remaining subtotal amount (step 22 in FIG. 4). ).

Next, the operation of the transaction system of this embodiment will be described with specific numerical values.

For example, it is assumed that "three lemons 300 yen" and "two apples 200 yen" are read by the barcode scanner 101 and subtotal key pressing information is given from the clerk's keyboard 102 (steps 1 and 2 in FIG. 2). ). Then
The sales calculation means 161 sets 525 yen obtained by adding 300 yen and 200 yen and 5% of the consumption tax as a subtotal amount (step 3 in FIG. 2).

Next, it is assumed that the payment method "debit card" is given from the clerk's keyboard 102 (FIG. 2, step 5, FIG. 4, step 17). When a message prompting insertion of a card into the card reader / writer 121 is displayed on the customer display 123, the customer inserts a debit card into the card reader / writer 121,
The personal identification number is entered from the customer keyboard 122 (FIG. 4, steps 18-19). Subsequently, when a message prompting the input of the amount to be paid out is displayed on the customer display 123, the customer uses the customer keyboard 122 to input the amount of payment “10525 yen” and presses the OK key (FIG. 4, step 20). 21). If the card information is correct and payment is possible, payment method support means 1
62, “525 yen” of “10525 yen” is deducted as the sales registration product price, and the remaining “10000 yen”
The clerk is given the customer “¥” as a payout (steps 22 to 23 in FIG. 4).

Next, a second example of the operation in the transaction system of the present embodiment will be described with reference to FIGS.

In this example, there is no sales registration in step 1 of FIG. The clerk presses the “debit card” key from the clerk keyboard 102 without registering the sales. Then, the key press information is supplied to the payment method correspondence unit 162, and a message prompting insertion of the debit card is displayed on the customer display 123 (step 1 in FIG. 2, step 17 in FIG. 4). When the customer or the clerk inserts the debit card into the card reader / writer 121, the card information is supplied to the payment method corresponding means 162, and a message prompting the input of the personal identification number is displayed on the customer display 123 (step 18 in FIG. 4). .
When the customer supplies the personal identification number from the customer keyboard 122 to the payment method corresponding means 162, a message prompting the input of the amount to be paid is displayed on the customer display 123 (step 19 in FIG. 4). The customer uses the customer keyboard 122 to enter the amount to be paid out and enter “O
The user presses the "K" key (steps 20 to 21 in FIG. 4).

Subsequently, the payment method corresponding means 162 transmits the card information in step 18, the personal identification number in step 19, and the amount paid out in step 20 to the server device 14 to make a credit inquiry. Then, the information that the card can be paid is supplied from the server device 14 to the payment method corresponding means 162 (steps 20 to 20 in FIG. 4).
21). Since no sales registration has been made, the subtotal amount is treated as “0 yen”. Therefore, the payment method corresponding means 162 pays out the payment amount input in step 20, and the printer 164 outputs only the card usage statement (steps 22 to 23 in FIG. 4, step 11 in FIG. 2). As described above, according to the present example, when a debit card is used, even when there is no sales registration, the POS register 16
You can pay out using the CD function.

[0037]

According to the transaction system and the recording medium storing the terminal device program according to the present invention, the money dispensing information input from the customer input device and the product purchase information input from the clerk input device are used. By transmitting / receiving to / from the server device and calculating the change from the money dispensing information and the product purchase information, the “purchase of goods”, “payment of cash” and “these Settlement can be performed at the same time, so that convenience can be improved. In addition, since the customer himself / herself inputs the money dispensing information into the terminal device, there is no room for the clerk to enter the money dispensing information, so that erroneous operations and crimes by the clerk can be prevented beforehand, thereby ensuring safety. Can be improved.

Further, when the product purchase information indicates that the product is not purchased, by calculating the withdrawal amount based on only the money dispensing information, the cash can be paid out without purchasing the product. Convenience can be improved.

In other words, according to the present invention, by adding the CD function to the POS register, it is possible to pay out an arbitrary amount from a card affiliate account using a debit card, regardless of the presence or absence of sales registration.

[Brief description of the drawings]

FIG. 1 is a block diagram showing one embodiment of a transaction system according to the present invention.

FIG. 2 is a flowchart showing an operation in the transaction system of FIG. 1;

FIG. 3 is a flowchart showing an operation in the transaction system of FIG. 1;

FIG. 4 is a flowchart showing an operation in the transaction system of FIG. 1;

[Explanation of symbols]

 10 Input device for clerk 12 Input device for customer 14 Server device 16 POS register (terminal device)

 ──────────────────────────────────────────────────続 き Continuing on the front page F term (reference) 3E042 BA15 CB01 CB05 CC01 CC03 CE07 EA01 5B049 AA01 AA02 AA05 AA06 BB11 CC39 EE01 EE21 EE28 GG01 GG04 GG07 5B055 BB10 CB01 CB09 CC03 KK01 KK01 KK04 KK03 9A001 BB04

Claims (6)

[Claims] 1. An input device for a clerk in which a clerk inputs merchandise purchase information, an input device for a customer in which a customer inputs money dispensing information, a cash dispense information input from the input device for customer, and the clerk. A transaction system comprising: a terminal device that transmits and receives merchandise purchase information input from an input device to a server device, and that calculates a change from the money dispensing information and the merchandise purchase information. 2. The transaction system according to claim 1, wherein the terminal device calculates a withdrawal amount based only on the money withdrawal information when the merchandise purchase information does not purchase a merchandise item. 3. The transaction system according to claim 1, wherein the terminal device is a POS register. 4. The customer input device uses a credit card having a debit card function or an electronic money function, or a bank card having a debit card function or an electronic money function. The transaction system according to 2 or 3. 5. A transaction system comprising: a clerk input device for inputting product purchase information by a clerk, a customer input device for inputting money dispensing information by a customer, and a terminal device having a computer. A function of transmitting / receiving the money dispensing information input from the customer input device and the product purchase information input from the clerk input device to / from the server device, and a change from the money dispensing information and the product purchase information. And a computer-readable recording medium for recording a terminal device program for causing the terminal device to realize the function of calculating. 6. A program for a terminal device for realizing a function of calculating a withdrawal amount based on only the money withdrawal information when the product purchase information does not purchase a product, is recorded on the terminal device. The computer-readable recording medium according to claim 5.