JP2002133347A - Radio settlement system and its terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a radio settlement system and its terminal capable of settling a transaction by one device and retrieving as needed various data required for a door-to-door selling. SOLUTION: A radio settlement terminal 1 of a mobile form for carrying out a settlement transaction of goods sold and a server 7 in which data on a sale is stored are connected by a network 3. The radio settlement terminal 1 accesses the server 7 and acquires goods data or other necessary data to display the data contents on the terminal 1. After the settlement transaction, the transaction data is sent from the radio settlement terminal 1 to the server 7 and the data is renewed based on the transaction data at the server 7.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a wireless payment system and a wireless payment terminal suitable for door-to-door sales.

[0002]

2. Description of the Related Art Along with the diversification of product sales forms, a system of door-to-door sales in which sales clerks visit homes and sell various products such as cosmetics, underwear, cookers, learning materials, insurance, and the like has become established. In such door-to-door sales, when it becomes necessary to check the stock status, delivery date, etc. of the product to be sold, conventionally, a sales person inquires the company by telephone and communicates the result to the customer. . Recently, a mobile phone has been used to access an in-house homepage of a company, and the homepage of the company is used to check the stock status and delivery date of the product.

[0003]

However, it is troublesome to inquire about the stock status, the delivery date, etc. by telephone each time, and it takes time to confirm if there is no person in charge at the company. Quick response is no longer possible. In addition, if the data is acquired from the home page by a mobile phone, such a problem can be solved. However, since the mobile phone does not have a transaction settlement function, in order to perform the transaction settlement of the sold product on the spot, the mobile phone is required. It is necessary to bring a payment terminal separately from the telephone.

[0004] Conventionally, a sales clerk carries a product catalog at the time of a visit. However, if a customer forgets the catalog or is asked to explain a product not in the catalog at the place of the visit, he or she responds on the spot. This can be a waste of time and can lead to lost sales opportunities, as you will need to bring your catalog and visit again.

Conventionally, even when a salesperson needs data necessary for sales (eg, sales performance for each customer, sales performance for each branch, etc.) on the go, these data are returned to the company. I could not read it unless I was from. For this reason, the sales staff cannot always refer to necessary data, which may hinder sales activities.

SUMMARY OF THE INVENTION The present invention solves the above-mentioned problems, and a wireless payment system and a wireless payment terminal that can settle a transaction and take out various data required for door-to-door sales at any time with a single device. The challenge is to provide a machine.

[0007]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention provides a mobile wireless payment terminal for performing transaction settlement of sold goods, and a server having a data file storing data related to sales. Is connected via a network, the wireless payment terminal accesses the server, obtains data related to sales, and displays the data content on the terminal. After the transaction settlement, the transaction data is transmitted from the wireless settlement terminal to the server, and the server updates the contents of the data file based on the transaction data.

[0008] In this manner, the function as an information terminal is added to the wireless payment terminal, and the visiting sales clerk can carry out the transaction payment at the visiting place only by bringing one wireless payment terminal. And various data on sales can be referenced anytime and anywhere.

For example, by designating a product to be sold or a product inquired by a customer, accessing the server from the wireless payment terminal, and receiving and displaying the product data transmitted from the server. , The product price, delivery date, stock status, etc. can be immediately grasped. In addition, if the data of the electronic catalog is included in the product data, the door-to-door sales clerk can present a photograph of the product to the customer on the screen of the terminal device without bringing the catalog.

[0010] Further, for example, the password of the door-to-door salesperson can be input to the wireless payment terminal and transmitted to the server, and the browsing data classified by hierarchy sent from the server can be received and displayed. According to this, for example, sales performance by customer,
Various data such as sales performance by salesperson, sales performance by branch, and list of top selling products can be referred to, and smooth sales activities can be performed using these data. In this case, the data that can be browsed is restricted according to the hierarchy (manager, general occupation, etc.), so that abuse of data is suppressed.

In the present invention, it is also possible to include, in the data of the server, form data for preparing a transaction form to be issued to the customer. According to this, the form data is received from the server after the transaction settlement in the wireless settlement terminal,
Based on this data, various transaction forms such as a transaction statement, a sales slip, a delivery note, an invoice, an account withdrawal slip, a receipt, and a commodity exchange certificate can be printed and issued on the spot.

Further, in the present invention, a transaction terminal of a store selling goods and an inventory management terminal of a commodity warehouse are connected to a network together with a wireless settlement terminal, and transaction data is transmitted from the wireless settlement terminal and the transaction terminal. The data may be transmitted to the server, the inventory data may be transmitted from the inventory management terminal to the server, and the file of the server may be updated based on the data. According to this, the server collects the data of each base and centrally manages the data, and the data of the server is updated in real time, so that the latest data can always be taken out in the wireless payment terminal.

The "product" in the present invention includes not only products that are tangible, but also intangible products and services such as insurance and home care. The “door-to-door sales” includes not only a case where a salesperson visits a home but also a case where a salesperson visits a company, government office, various organizations, stores, offices, and the like.

[0014]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 shows an example of a wireless payment system according to the present invention. In the figure, 1 is a wireless payment terminal, 2 is a wireless base station that communicates with the wireless payment terminal 1, 3 is a network connected to the wireless base station 2, 4 is an information processing organization connected to the network 3, 5
Is a payment institution such as a bank or credit card company, 6 is a door-to-door sales company that handles products related to door-to-door sales, 7 is a server installed in the door-to-door sales company 6, and 8 is a terminal for performing payment with the wireless payment terminal 1. A card, 9 indicates a transaction form issued from the wireless settlement terminal 1, and 10 indicates a home to be visited.

[0015] The wireless settlement terminal 1 and the server 7 are wirelessly connected via the network 3. Typically, the network 3 is configured from the Internet, and the server 7 is configured as a WWW (World Wide Web) server. The information processing institution 4 relays the data sent from the wireless payment terminal 1 through the network 3, performs predetermined editing and processing on the data as necessary, and distributes the data to the payment institution 5 and the door-to-door sales company 6. Separate. The settlement institution 5 and the door-to-door sales company 6 are respectively connected to the information processing institution 4 by lines, and the server 7 is connected to the network 3 via the information processing institution 4.

FIG. 2 is an external view of the wireless payment terminal 1. The wireless payment terminal 1 is a mobile type that is carried by a visiting sales clerk who visits the home 10 and performs transaction settlement of the sold product. In FIG. 2, reference numeral 20 denotes a main body of the wireless settlement terminal 1, which includes an antenna 21 for communicating with the radio base station 2 and a display unit 2 for displaying various data.
2. Operation keys 23 and 2 for performing a predetermined operation
5, a numeric keypad 24 for data input, a staff key 26 operated by a key possessed by a salesperson, a card slit 27 into which a card 8 (FIG. 1) is inserted, and a form discharge for issuing a transaction form 9 (FIG. 1). An outlet 28 is provided.

FIG. 3 is a block diagram showing the electrical configuration of the wireless payment terminal 1. 30 is the operation key 2 described above.
Reference numerals 31 and 31 denote a key operation unit including a ten key 24 and a staff key 26, and 31 denotes a card reader for reading information recorded on the card 8 inserted into the card slit 27. Reader 3
1 constitutes a data input unit.

Reference numeral 32 denotes a storage unit constituted by a memory such as a ROM or a RAM, 33 denotes an interface for connecting to an external device, 22 denotes the display unit described above, 34 denotes a printing unit for printing on the transaction form 9, Reference numeral 35 denotes a communication unit including the antenna 21 and a communication control circuit (not shown); 36, a power supply unit including a battery for supplying power to each unit; and 37, a control unit including a CPU for controlling each unit.

FIG. 4 is a table showing the recorded contents of the data file 7a provided in the server 7. The data file 7a stores sales data such as the product data 40, the transaction data 41, the form data 42, and the browsing data 50 classified by hierarchy. The product data 40 includes a product number 40a, a product name 40b, a price 40c, a stock amount 40d,
Delivery time 40e and electronic catalog data 40f,
These are recorded for each product. The transaction data 41 temporarily stores transaction data transmitted from the wireless payment terminal 1. The form data 42 is
This is data for creating the transaction form 9 and is recorded for each form type. The browsing data 50 by tier includes sales results 50a by customer, sales results by product 50b, sales results by salesperson 50c, sales results by branch 50d, top-selling merchandise list 50e, and commission pay 50f. Is limited. For example, sales performance by customer 50
It is regulated that the manager can browse but not the general staff with respect to a and the sales performance by salesperson 50c, or that the manager can browse all of the commissions but the general clerk can view only his / her own with respect to commission salary 50f. This is to prevent data abuse.

FIG. 5 is a flowchart showing the operation of the wireless settlement terminal 1, and shows the procedure executed by the control unit 37 of FIG. Hereinafter, the operation of the payment system using the wireless payment terminal 1 will be described with reference to FIG.

A visiting sales clerk visits a customer while carrying the wireless payment terminal 1. In the home 10, which is the destination of the visit, the visiting salesperson turns on the power of the wireless payment terminal 1. Then
An initial screen is displayed on the display unit 22 of the wireless payment terminal 1 (Step S1). Although not shown, three menus of “product inquiry”, “product sale”, and “view by hierarchy” are displayed on the initial screen.

When the door-to-door sales clerk wants to know the data on the merchandise he wants to sell or the merchandise inquired by the customer, he selects "merchandise inquiry" from the menu on the initial screen (step S2). When this selection is made, the wireless payment terminal 1 is connected to the server 7 from the communication unit 35 via the wireless base station 2 and the network 3 (Step S).
3). Next, in the wireless payment terminal 1, the key operation unit 3
When the product number of the product to be queried is input from 0 (step S4), the product related to the door-to-door sales is designated and the server 7 is accessed.

The server 7 searches the area of the product data 40 in the data file 7a based on the received product number, and obtains the product data 40a to 40f of the corresponding product number.
Is transmitted to the wireless payment terminal 1 via the network 3. The transmitted product data 40a to 40f are received by the communication unit 35 of the wireless payment terminal 1 (step S5), and based on the data, the display unit 22 displays the price, stock amount, delivery date, and catalog content of the product on the display unit 22. Are displayed (step S6).

FIGS. 6 and 7 show the display unit 22 at this time.
The screen of FIG. In FIG. 6, the product name, product number, stock amount, price, and delivery date are displayed in characters. When the screen shown in FIG. 6 is switched to the next screen, the screen is switched to the screen shown in FIG. If the display unit 22 is configured by a color liquid crystal display, the product can be displayed in color. If the display area of the display unit 22 is large, the screen of FIG. 7 may be displayed together with the screen of FIG.

The door-to-door sales clerk looks at the data and pictures displayed on the display section 22 and explains the merchandise to the customer and responds to questions from the customer. The data and photographs displayed in FIGS. 6 and 7 can be printed out by the printing unit 34.

The key operation unit 3 is used to end the product inquiry.
The user presses a predetermined key of "0" or selects "end of inquiry" on the screen of the display unit 22 (step S7). When the inquiry is completed, the screen of the display unit 22 is changed to the initial screen (step S1).
Return to

Next, when the customer accepts the purchase of the merchandise and the sales contract is concluded, the door-to-door sales clerk selects "merchandise sales" from the menu on the initial screen (step S2). When this selection is made, the wireless payment terminal 1 is connected to the server 7 from the communication unit 35 via the wireless base station 2 and the network 3 (Step S8). Subsequently, the user inputs the product number of the sold product (step S9) and the number of products (step S1).
0). The entered product number is transmitted to the server 7, and the control unit 37 calculates the purchase price based on the price data (40c in FIG. 4) transmitted from the server 7, and displays the purchase price on the display unit 22. (Step S11).

Thereafter, when the visiting salesperson inserts the card 8 (credit card, debit card, etc.) from the customer into the card slit 27 of the wireless payment terminal 1 (step S12), the card reader 31 records the card record information. Is read. Next, when a password is input by the key operation unit 30 (step S13), credit inquiry data including the purchase amount and the password is transmitted to the clearing house 5 via the network 3 (step S14). In, it is checked whether the purchase amount has exceeded the credit limit.

The result of the credit inquiry is transmitted to the wireless payment terminal 1, and if the inquiry result is not normal (step S15; N
O), an error is displayed on the display unit 22 (step S2).
0), end. On the other hand, if the inquiry result is normal (step S15; YES), the wireless payment terminal 1 transmits the transaction data including the data read from the card 8 and the data input from the key operation unit 30 to the server 7 via the network 3. (Step S16). In addition, a message instructing shipping of the product is transmitted to the product shipping department of the door-to-door sales company 6 or the terminal device of the home delivery company (step S17). Although not shown in FIG. 1, the terminal device of the home delivery company is connected to the network 3.

The server 7 stores the transaction data 41 (FIG. 4) sent from the wireless settlement terminal 1 in a data file 7a.
And, based on the transaction data 41, the inventory amount 40d of the product data 40 and the 50a-
Update the 50d data. Further, data 42 of various forms created based on the transaction data 41 is transmitted from the server 7 to the wireless payment terminal 1. The wireless payment terminal 1 receives the form data 42 (step S1).
8) The printing unit 34 prints and issues a predetermined form (step S19), and ends a series of operations.

In the above example, steps S12 to S12
At 15, transaction settlement is performed by the card 8,
The transaction settlement may be performed by cash instead of the card 8.

Next, a procedure for browsing the hierarchical browsing data 50 will be described. The door-to-door sales clerk selects “Browse by hierarchy” from the menu on the initial screen (Step S)
2). When this selection is made, the wireless settlement terminal 1 is connected to the server 7 from the communication unit 35 via the wireless base station 2 and the network 3 (step S21). next,
In the wireless payment terminal 1, the ID number (employee number, etc.) of the visiting salesperson is input from the key operation unit 30 (step S2).
2) Then, enter a password (step S2)
3). These input data are transmitted from the communication unit 35 to the server 7.
Sent to

Subsequently, the browsing items transmitted from the server 7 are displayed on the display unit 22 (step S24). FIG. 8 shows a display screen of the display unit 22 at this time.
On this screen, sales results by customer, sales results by product, sales results by salesperson, sales results by branch, list of top selling products, and commissions are displayed as menus in accordance with the browsing data 50 by hierarchy of the data file 7a. Have been.

In FIG. 8, all items of the browsing data by hierarchy are displayed, but these display items are selectively displayed according to the hierarchy (position) of the visiting salesperson. The hierarchy can be determined from the input password. That is, if the password is for a general job, an item that is permitted to be viewed only by a higher job such as a manager is not displayed.

The visiting salesperson selects an item to be viewed (step S25), and inputs data (for example, a customer code or a branch code) required for viewing (step S2).
6) These are transmitted to the server 7. In server 7,
The data file 7a is searched to extract corresponding data, and the extracted data is transmitted to the wireless payment terminal 1. Upon receiving the browsing data from the server 7 (step S27), the wireless payment terminal 1 displays the content on the display unit 22 (step S28).

FIGS. 9 and 10 show the display unit 2 at this time.
2 shows a display screen. FIG. 9 is a screen of sales results for each customer, in which data such as a customer name, a sales amount this month, a sales item, and a payment status are displayed. FIG. 10 is a commission pay screen, in which data such as the name of the salesperson, the sales amount of this month, the salary amount (commission pay) of this month calculated from the sales amount, and the payment date are displayed.

To end browsing by hierarchy, the key operation unit 3
The user presses a predetermined key of “0” or selects browsing termination on the screen of the display unit 22 (step S29). Upon completion of the browsing, the screen of the display unit 22 is changed to the initial screen (step S
Return to 1).

As described above, according to the wireless payment system, when "merchandise sales" is selected in the menu of the wireless payment terminal 1, a normal transaction payment can be performed.
If you select "Product Inquiry" or "Browse by Tier"
Product data and other data related to sales can be referenced. Therefore, the visiting salesperson can take out the necessary data at any time only by carrying one wireless payment terminal 1, and can smoothly perform the sales business.

In FIG. 5, the wireless payment terminal 1 has two functions of merchandise inquiry and hierarchical browsing, but may have only one of these functions. Also, product data may be included in browsing data for browsing by hierarchy. In this case, the product data may be browsed regardless of the hierarchy (no password is required).

FIG. 11 is a diagram showing a wireless payment system according to another embodiment of the present invention. In this embodiment,
A transaction terminal 62 of a store 61 that sells products and an inventory management terminal 64 of a product warehouse 63 are wirelessly connected to the network 3 via the wireless base station 2. In addition, store 6
One and a plurality of product warehouses 63 are provided for each base. The other parts are the same as those of the system of FIG. 1, and therefore, the same parts as those of FIG.

In the system shown in FIG.
Reference numeral 2 denotes, for example, a wireless POS terminal, which transmits transaction data to the server 7 via the wireless base station 2 and the network 3. The inventory management terminal 64 is a wireless handy terminal equipped with a barcode reader that reads a barcode of a product, and stores inventory data in the wireless base station 2.
And to the server 7 via the network 3. The server 7 updates the contents of the data file 7a based on the transaction data from the wireless payment terminal 1 and the transaction terminal 62 and the inventory data from the inventory management terminal 64.

As the inventory management terminal 64, as shown in FIG. 12, a device in which a bar code reader 65 is connected to the wireless settlement terminal 1 by a cable 66 can be used. In this case, the barcode reader 65 is connected to the interface 33 (FIG. 3) of the wireless payment terminal 1, and the key operation unit 30 of the wireless payment terminal 1 is provided with a key for switching between a payment function and an inventory management function. . In this way, the wireless payment terminal 1 can be used as an inventory management terminal.

According to the system of FIG. 11, the server 7 can centrally manage the data at each of the visited locations, stores, and warehouses. Then, since the transaction data and the inventory data are transmitted from the respective bases to the server 7 in real time and the data file 7a is updated, the access to the server 7 by the wireless payment terminal 1 allows the visiting sales clerk anytime and anywhere. , You can always get the latest data.

The present invention can adopt various forms other than the above. For example, in the above embodiment, the Internet is taken as an example of the network 3, but the present invention is not limited to this, and a dedicated line may be used, or a communication satellite or CATV line may be used. In the above embodiment, the information processing organization 4 is interposed between the network 3 and the settlement organization 5 and the door-to-door sales company 6, but the information processing organization 4 may be omitted. Also, in FIG. 11, the store 61 and the network 3 and the warehouse 63 and the network 3 are wirelessly connected, however, these may be connected by wire.

[0045]

According to the present invention, a door-to-door salesperson can not only perform transaction settlement with one device but also refer to necessary data on sales at any time, thereby promoting smooth sales activities. Can be.

[Brief description of the drawings]

FIG. 1 is a diagram showing an example of a wireless payment system according to the present invention.

FIG. 2 is an external view of a wireless payment terminal.

FIG. 3 is a block diagram illustrating an electrical configuration of the wireless payment terminal.

FIG. 4 is a table showing recorded contents of a data file of a server.

FIG. 5 is a flowchart illustrating an operation of the wireless payment terminal.

FIG. 6 is an example of a product data display screen.

FIG. 7 is an example of a product data display screen.

FIG. 8 is an example of a browsing item display screen for each hierarchy.

FIG. 9 is an example of a browsing data display screen by hierarchy.

FIG. 10 is an example of a browsing data display screen by hierarchy.

FIG. 11 is a diagram showing a wireless payment system according to another embodiment.

FIG. 12 is an external view of a stock management terminal.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Wireless payment terminal 3 Network 6 Door-to-door sales company 7 Server 7a Data file 8 Card 9 Transaction report 22 Display part 30 Key operation part (Data input part) 31 Card reader (Data input part) 34 Printing part 31 Communication part 37 Control part 40 merchandise data 50 hierarchical browsing data 61 stores 62 transaction terminals 63 merchandise warehouses 64 inventory management terminals

 ────────────────────────────────────────────────── ─── Continuing on the front page (72) Inventor Kazunori Kamo 2-5-8 Nishikanda, Chiyoda-ku, Tokyo F-term in Aceses Co., Ltd. (Reference) 5B049 AA01 AA02 BB11 CC10 DD01 FF04 GG03 GG06 GG07 5B055 BB12 CB09 EE02 EE03 EE13 EE27 FA01 FA07 PA02

Claims (9)

[Claims] 1. A mobile wireless payment terminal carried by a door-to-door sales clerk for performing transaction settlement of sold goods, and a data file storing data related to sales, and a data communication with the wireless payment terminal. And a network connecting the wireless payment terminal and the server. The wireless payment terminal accesses the server to acquire data related to sales, displays the contents of the data, and displays the wireless payment. The wireless payment system, wherein the terminal transmits the transaction data to the server after the transaction payment, and the server updates the content of the data file based on the transaction data from the wireless payment terminal. 2. The wireless payment system according to claim 1, wherein the data related to the sale includes product data, and the wireless payment terminal specifies a product related to the door-to-door sale, accesses the server, and is transmitted from the server. A wireless payment system, which receives incoming product data and displays its contents. 3. The wireless payment system according to claim 2, wherein said product data includes data of an electronic catalog. 4. The wireless payment system according to claim 1, wherein the data relating to the sales includes browsing data classified by tier, the browsing of which is restricted according to the tier of the visiting sales clerk, and wherein the wireless payment terminal is used for the door-to-door sales. A wireless payment system that transmits a password entered by a worker to a server, receives browsing data classified by hierarchy transmitted from the server, and displays the content. 5. The wireless settlement system according to claim 1, wherein the data relating to the sales includes form data for preparing a transaction form to be issued to a customer, and the wireless settlement terminal transmits the form data after the transaction is settled. Receiving from a server, printing and issuing a transaction form based on the form data. 6. The wireless settlement system according to claim 1, wherein a transaction terminal of a store selling the commodity and an inventory management terminal of a commodity warehouse are connected to the network, Transaction data from the terminal
A wireless payment system, wherein the inventory management terminal transmits inventory data to a server, and the server updates contents of a data file based on the data. 7. A mobile wireless payment terminal for carrying out transaction settlement of goods sold carried by a door-to-door salesperson, comprising: a data input section for inputting transaction data; a display section for displaying transaction data; A communication unit for transmitting transaction data to a server; specifying a product related to door-to-door sales by the data input unit, accessing a server storing product data via the communication unit, and transmitting from the server. The received payment data is received by the communication unit, and the content of the received payment data is displayed on the display unit. 8. A mobile wireless payment terminal for carrying out transaction settlement of goods sold carried by a door-to-door salesperson, comprising: a data input section for inputting transaction data; a display section for displaying transaction data; A communication unit for transmitting transaction data to a server; inputting a password of the door-to-door salesperson from the data input unit; and browsing by stratum where browsing is restricted according to the hierarchy of the door-to-door salesperson via the communication unit. Accessing a server storing data, receiving hierarchical browsing data transmitted from the server by the communication unit, and displaying the received hierarchical browsing data on the display unit. Terminal. 9. A mobile wireless payment terminal for carrying out transaction settlement of goods sold carried by a door-to-door salesperson, comprising: a data input unit for inputting transaction data; a display unit for displaying transaction data; A communication unit for transmitting transaction data to the server;
And a printing unit for printing and issuing a form.After the transaction is settled, form data for creating a form to be delivered to the customer is received from the server via the communication unit, and based on the received form data, A wireless payment terminal, wherein the printing unit prints and issues a transaction form.