JP2002157420A - System of repayment at any time - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system capable of making a repayment at any time by which payment is made without letting a shop clerk know about personal information while the repayed money is received without fail. SOLUTION: A store front terminal is connected with a receiving company server through a communication network, and when a user inputs a card number, reports the card number to the receiving company server corresponding to the card and inquires a repayment allowable amount corresponding to the card number. When the repayment allowable amount is reported from the receiving company server, a unique number is added to receipt issuance printing items sent together with the report of the repayment permission and recorded, and a repayment reception slip displaying the unique number is issued to the user. When the unique number displayed on the repayment reception slip is reported from a register terminal, the shop terminal presents at least a repayment amount among the receipt issuance printing items corresponding to the unique number at the register terminal. When it is reported from the register terminal that the repayment amount is paid, a receipt on which the receipt issuance printing items are printed is issued from a printer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for paying back an arbitrary amount at any time using a card such as a credit card or a cash card.

[0002]

2. Description of the Related Art In recent years, repayment utilizing a revolving system that makes it easy to repay debt, that is, so-called revolving payment, has been widely used as a repayment method of borrowings. However, revolving payments in Japan are mainly funded transfers, so a fixed amount revolving method where users pay in advance by specifying a monthly payment amount, or a fixed rate that repayes the amount obtained by multiplying the usage balance of the previous month by a certain percentage It is a revolving method. For this reason,
Even if the user wants to pay more in a month when he / she can afford it, there is a drawback that he cannot immediately respond to it. Recently, some financial institutions have adopted a revolving system that can handle extra repayment, but from the viewpoint of recalculating the interest rate due to an increase or decrease in the amount of repayment, extra repayment can be made only at the ATM of the financial institution. There was nothing.

[0003]

SUMMARY OF THE INVENTION An object of the present invention is to provide a store, such as a convenience store or a supermarket,
It is an object of the present invention to provide an as-needed repayment system that can respond to premium repayment in revolving payments.

Another object of the present invention is to allow a user to pay personal information such as what to pay without knowing it to a clerk at the time of payment. Can be performed easily and accurately,
And it is an object of the present invention to provide an as-needed repayment system that can not only avoid the trouble of directly handling cash, but also securely store the repayment money.

Another object of the present invention is to use an existing connection server for financial institutions provided for Internet banking, personal computer banking, mobile banking, ATM, and the like, so that the system can be constructed at lower cost and security. To provide a high recurring repayment system.

[0006]

An occasional repayment system according to the present invention has a point-of-sale terminal installed in a store and connected to a cashier terminal of the store, and the storefront terminal and the cashier terminal are connected to a printer installed in the store. And are connected respectively. Store terminals are a storage company server and a communication network,
Preferably, they are connected via a dedicated communication network. And, in this in-store terminal, the user can directly input the card number from the keyboard or the touch panel, or
When the card is scanned by the card scanner, the card number is notified to the storage company server corresponding to the card, and the repayment allowance corresponding to the card number is inquired. The store terminal, when notified of the repayment allowance from the receiving company server, presents the repayment allowance to the user and inputs the amount to be repaid, and notifies the receiving company server of the repayment amount. Inquiry about repayment, and when there is a notice from the storage company server that repayment is permitted, record the receipt issue print item sent with the repayment permission notice with a unique number attached On the other hand, a repayment receipt showing the unique number is issued to the user. When the unique number displayed on the repayment receipt is notified from the cashier terminal, the store terminal causes the cashier terminal to present at least the repayment amount of the receipt issue print item corresponding to the unique number, and When the cashier terminal notifies that the payment has been made, the printer issues a receipt on which the receipt issue print item is printed.

[0007] In this system, the repayment is avoided by inquiring the repayment amount to the storage company server every time the repayment is made and waiting for the notice of the repayment permission, thereby performing the repayment with an incorrect repayment amount. By bringing the repayment receipt with the unique number to the cash register and paying, the customer can avoid paying out at the cash register that will meet the capacity, so the user can easily make payment. I can do it. Each time a repayment is made, the receipt is printed from the receipt company's server after obtaining the receipt issue print item, so a receipt with contents corresponding to each storage company, especially the legally required entry items is issued It is possible to

[0008] The occasional repayment system according to the present invention is also configured so that repayment payment information read by the cashier terminal is collected in a cashier management server connected to the cashier terminal, and then notified to a corresponding storage company server. This makes it possible to perform online from storage of repayment to settlement. In addition, the optional repayment system according to the present invention displays the unique number displayed on the repayment receipt as a barcode, and notifies the unique number from the cashier terminal by reading the barcode of the repayment receipt using a barcode reader. In this way, not only is it possible to avoid a mistake in inputting the unique number from the cashier terminal, but also it is possible to quickly perform the storing process at the cashier.

[0009] Further, the ad hoc repayment system according to the present invention provides an existing financial institution connection server between the in-store terminal and the storage company server, and a conversion process for processing the ad hoc repayment data as existing financing institution repayment data. It can also be configured to connect via a server. This makes it possible to use a highly secure network constructed for a financial institution, and to construct the present system at a lower cost.

[0010]

DESCRIPTION OF THE PREFERRED EMBODIMENTS As shown in FIG. 1, an as-needed repayment system according to an embodiment of the present invention includes a store terminal 1 installed in a store S and a cashier terminal 2 of the store connected to the store terminal 1.
And The store terminal 1 and the cashier terminal 2 are connected to a printer 3 installed in the store, respectively.
The store terminal 1 or the affiliated storage company server 4 is connected to the communication network 5, preferably via a dedicated communication network in order to prevent the information from being stolen when transmitting card information, which will be described later. .

In order to make a repayment, the user starts by going to the store S where the in-store terminal 1 is installed and operating the in-store terminal 1. Display screen of the store terminal 1 (not shown)
When the repayment button displayed in the item is pressed, the storefront terminal 1 requests the input of the repayment destination and the card number. The user may specify the affiliated storage company name displayed on the display screen of the point-of-sale terminal 1 and directly input the card number to the point-of-sale terminal 1 by a touch panel method or key input. In order to avoid mistakes, it is preferable that a card scanner (not shown) provided at the store terminal scan the card to read the card numbers of the storage company and the user.

When the storage company and the card number are input, the point-of-sale terminal 1 notifies the server 4 of the storage company of the card number via the communication network 5, and the repayment allowance corresponding to the card number, for example, Inquire about the payment limit and the maximum payment limit. The storage company's server 4
The permissible repayment amount corresponding to the queried card number is presented to the store terminal 1. When the user refers to the permissible repayment amount and inputs the amount to be repaid from the store terminal 1, the store terminal 1 notifies the storage company server 4 of the repaid amount and inquires whether the repayment is possible. The storage company server 4 compares the repayment amount with the repayment allowance amount, and when the repayment amount is within the repayment allowance amount, notifies the store terminal 1 that the repayment is permitted.
Notify to At this time, the receiving company server 4 also notifies the receipt issue print item to be described in the receipt issued when the repayment is made. The store terminal 1 adds a unique number to the receipt issue print item sent with the notice of the repayment permission, records it in the built-in memory (not shown),
A repayment receipt (not shown) displaying the unique number is printed by a built-in printer (not shown) and issued to the user. The unique number displayed on this repayment receipt is
Although a form in which numbers are listed may be used, it is preferable to use a barcode for easier and more reliable storage at the cash register described later.

The user goes to the cashier with the issued repayment receipt and hands it over to the clerk. When the clerk inputs the unique number to the cashier terminal 2 in the repayment reception slip, the cashier terminal 2 notifies the storefront terminal 1 of the unique number. Here, if the unique number is displayed as a barcode, the unique number can be read using the barcode reader 2a used at the time of normal product sales, and troubles caused by human error can be avoided. it can. The in-store terminal 1 is a repayment amount corresponding to the unique number received from the cashier terminal 2 (total amount to be stored when a fee or the like is added).
Is extracted from the built-in memory and displayed on a display (not shown) of the cashier terminal 2. When the clerk receives the amount displayed from the user and completes the payment processing, the cashier terminal 2 notifies the store terminal 1 that the payment processing has been completed. The point-of-sale terminal 1 waits for the notice of the payment processing from the cashier terminal 2, extracts the receipt issue print item corresponding to the unique number after the payment processing from the built-in memory, prints the receipt from the printer 3, and prints the receipt. Issue. The clerk passes the receipt to the user, and the repayment process at the store is completed. Although not shown, the payment information regarding the repayment read by the cashier terminal 2 is collected by the cashier management server connected to the cashier terminal 2 and then notified to the respective storage company servers 4.

FIG. 2 is a diagram showing another embodiment of the as-needed repayment system according to the present invention, in which a conversion processing server 6 and a financial institution connection server 7 are provided between the store terminal 1 and the storage company server 4.
The configuration is the same as that of the embodiment shown in FIG. The financial institution connection server 7
The conversion processing server 6 is installed for an existing financial institution network 8 such as CAFIS (trademark). The conversion processing server 6 includes a repayment data handled by the present system and a repayment defined for the financial institution. This is for matching a mismatch with data.

In this system, the transmission and reception of information between the store terminal 1 and the storage company server 4 is always performed via the conversion processing server 6 and the financial institution connection server 7, as shown in FIG. This is performed in the same manner as in the embodiment, and therefore, details thereof are omitted to avoid redundancy. The fact that the existing financial institution network 8 can be used in the present system not only allows the system to be constructed inexpensively, but also makes it possible to utilize the security against information leaks and the like provided by the existing financial institution network 8, and allows more storage companies. It is easy to understand that you can expect to get involved.

[0016]

According to the present invention, each time a repayment is made, the repayment amount is queried from the in-store terminal 1 to the storage company server 4 and the repayment is performed after the notice of the repayment permission. Can be avoided. In addition, since the payment is made by bringing the repayment receipt showing the unique number to the cash register, it is possible to avoid the fact that the contents of the payment will be known to the capacity at the cash register that will meet the capacity, and thereby use Can easily repay. In addition, each time the receipt is repaid, the receipt issuance print item is obtained from the storage company server 4 and printed, so that the content corresponding to each storage company, particularly, the items required by law are provided. You can issue a receipt.

Further, the repayment payment information processed by the cashier terminal 2 is collected by the cashier management server connected to the cashier terminal 2 and is notified to the respective storage company servers 4. Payment can be done online. Further, the unique number displayed on the repayment receipt is displayed as a barcode, and the unique number can be notified from the cashier terminal 2 by reading the barcode of the repayment receipt using the barcode reader 2a. It is possible to avoid a mistake in inputting the unique number at the terminal 2 and to quickly perform the storing process at the cash register.

Further, an existing financial institution connection server 7 and a conversion processing server 6 for processing the occasional repayment data as existing financial institution repayment data between the point-of-sale terminal 1 and the storage company server 4 are provided. By connecting via
A highly secure network constructed for a financial institution can be used, and a system can be constructed at a lower cost.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing a basic configuration of an occasional repayment system according to an embodiment of the present invention.

FIG. 2 is a schematic diagram showing a modification of the system shown in FIG.

[Explanation of symbols]

DESCRIPTION OF REFERENCE NUMERALS 1 store terminal 2 cashier terminal 2a 3 printer 4 housing company server 5 communication network 6 conversion processing server 7 financial institution connection server 8 financial institution network S store

[Procedure amendment]

[Submission date] November 24, 2000 (200.11.
24)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Claim 2

[Correction method] Change

[Correction contents]

[Procedure amendment 2]

[Document name to be amended] Statement

[Correction target item name] 0007

[Correction method] Change

[Correction contents]

[0007] In this system, the repayment is avoided by inquiring the repayment amount to the storage company server every time the repayment is made and waiting for the notice of the repayment permission, thereby performing the repayment with an incorrect repayment amount. By making a payment to bring the repayment acceptance form that displays a unique number to the cash register, since it is possible to avoid the known to the clerk the contents of the payment in cash register that will be face-to-face with the clerk, the payment users feel free to I can do it. Each time a repayment is made, the receipt is printed from the receipt company's server after obtaining the receipt issue print item, so a receipt with contents corresponding to each storage company, especially the legally required entry items is issued It is possible to

[Procedure amendment 3]

[Document name to be amended] Statement

[Correction target item name] 0013

[Correction method] Change

[Correction contents]

The user goes to the cashier with the issued repayment receipt and hands it over to the clerk. When the clerk inputs the unique number to the cashier terminal 2 in the repayment reception slip, the cashier terminal 2 notifies the storefront terminal 1 of the unique number. Here, if the unique number is displayed as a barcode, the unique number can be read using the barcode reader 2a used at the time of normal product sales, and troubles caused by human error can be avoided. it can. Store terminal 1, repayment corresponding to the unique number that has been received from the cash register terminal 2 (if fees are added, the total amount to be stored) by extracting from the internal memory of the display cash register terminal 2 ( (Not shown)
To be displayed. When the clerk receives the amount displayed from the user and completes the payment processing, the cashier terminal 2 notifies the store terminal 1 that the payment processing has been completed. The point-of-sale terminal 1 waits for the notice of the payment processing from the cashier terminal 2, extracts the receipt issue print item corresponding to the unique number after the payment processing from the built-in memory, prints the receipt from the printer 3, and prints the receipt. Issue. The clerk passes the receipt to the user, and the repayment process at the store is completed. Although not shown, the payment information regarding the repayment read by the cashier terminal 2 is collected by the cashier management server connected to the cashier terminal 2 and then notified to the respective storage company servers 4.

[Procedure amendment 4]

[Document name to be amended] Statement

[Correction target item name] 0016

[Correction method] Change

[Correction contents]

[0016]

According to the present invention, each time a repayment is made, the repayment amount is queried from the in-store terminal 1 to the storage company server 4 and the repayment is performed after the notice of the repayment permission. Can be avoided. In addition, since the payment is made by bringing the repayment receipt with the unique number to the cash register, it is possible to prevent the clerk from knowing the details of the payment at the cash register that will meet the clerk , thereby using Can easily repay. In addition, each time the receipt is repaid, the receipt issuance print item is obtained from the storage company server 4 and printed, so that the content corresponding to each storage company, particularly, the items required by law are provided. You can issue a receipt.

[Procedure amendment 5]

[Document name to be amended] Statement

[Correction target item name] Explanation of sign

[Correction method] Change

[Correction contents]

[Description of Signs] 1 store terminal 2 cashier terminal 2a barcode reader 3 printer 4 receiving company server 5 communication network 6 conversion processing server 7 connection server for financial institution 8 network for financial institution S store

Claims (4)

[Claims] 1. A store terminal which is installed in a store and is connected to a cash register terminal of the store, wherein the store terminal and the cash register terminal are respectively connected to a printer installed in the store, and the store terminal is It is connected to the receiving company server via the communication network, and when the user inputs a card number, notifies the receiving company server of the card number of the card number and inquires about the permissible repayment amount corresponding to the card number. When the company server notifies the repayment allowance, it presents the repayment allowance to the user, and when the user enters the repayment amount, notifies the storage company server of the repayment amount and inquires whether the repayment is possible. When a notice of repayment permission is received from the receiving company server, the receipt issue print item sent with the notice of repayment permission is attached with a unique number and recorded. Issue a repayment receipt indicating the unique number to the user, and when the unique number displayed on the repayment receipt is notified from the cashier terminal, the receipt issue print item corresponding to the unique number is displayed. At least the repayment amount is presented to the cash register terminal, and when the cash register terminal notifies that the repayment amount has been received, a receipt on which the receipt issuance print item is printed is issued from the printer. system. 2. The reimbursement information read by the cashier terminal is collected by a cashier management server connected to the cashier terminal, and then notified to a corresponding storage company server. Or the contingent repayment system described in 2. 3. The unique number displayed on the repayment receipt is a barcode, and the notification of the unique number from the cashier terminal is performed by reading a barcode of the repayment receipt with a barcode reader. The contingent repayment system according to claim 1 or 2, wherein: 4. The connection between the point-of-sale terminal and the storage company server via an existing financial institution connection server and a conversion processing server for processing the repayment data as needed as existing financial institution repayment data. 4. An as-needed repayment system according to claim 1, 2 or 3.