JP2004038834A - Server, storage medium, and program for credit card processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a server, a storage medium, and a program used for a credit card processing system for electronically storing slip data together in the server to manage them or to print only the necessary slips together for omitting use of paper in a settlement terminal. <P>SOLUTION: This credit card processing system is provided with a means storing a received settlement result in a file device 30 for each settlement terminal 1, a means storing card company storage slip to be stored by an affiliated shop or the card company as electronic data in relation to the settlement result on the server 9, storing them directly on the server 9 if the affiliated shop stores the slips, and retrieving and outputting the electronic data on receipt of request for reference to the slip, a means instantly or simultaneously transmitting the settlement result to an affiliated shop headquarter and the like on the basis of the previously registered information for each affiliated shop, and a means allowing transmission of the settlement result to another system according to circumstances of each user. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a server, a recording medium, and a program of a credit card processing system that includes a settlement terminal and a server and is used for settlement of a credit card.
[0002]
2. Description of the Related Art A conventional example will be described below. In this specification, the settlement result data of the settlement transaction of the credit card performed by the settlement terminal 1 is also simply referred to as “settlement result”.
[0003]
§1: Description of the conventional system
(1): System description
FIG. 10 is an explanatory diagram of a conventional system. This system is a system for performing credit card payment, and includes a payment terminal (or credit terminal) 1 provided at a member store (a credit card member store), a computer 5 provided at a credit information processing center, This is a system in which a computer 6 provided for each card company is connected via a communication line.
[0004]
In this system, one or a plurality of settlement terminals 1 provided in a member store are provided in the member store, and each settlement terminal 1 is connected to a slip printer 2 for printing a slip. Then, in the settlement terminal 1, when a transaction is performed, a credit transaction message is created for the transaction and transmitted to the computer 5 of the credit information processing center.
[0005]
The computer 5 sorts the credit card company, transmits check (credit inquiry) information to the computer 6 of the card company concerned, conducts a credit check on the computer 6 side, and returns the result to the computer 5 I do. In this case, the check by the card company checks whether the customer is on the blacklist, whether the card has been lost or stolen, and the credit limit is checked.
[0006]
When the computer 5 receives such a check result of the card company, the information is transmitted to the settlement terminal 1 of the corresponding member store to respond. When the transaction is possible, the settlement terminal 1 conducts customer transaction, and prints and outputs the slip by the slip printer 2 for each transaction. The printed slip is stored in the member store, and when the designated date (closing date) is reached, the slip is put into an envelope and mailed to a card company or the like (mailed every closing date).
[0007]
(2): Explanation of the slip to be printed out
FIG. 11 is an explanatory diagram of a conventional process. As described above, when the card transaction with the customer is performed, the slip printed out by the slip printer 2 at the settlement terminal 1 includes (1): a card company storage slip, and (2): a copy of a member store. Slip, (3): three types of customer copy slips. The card company storage slip is a slip to be mailed to the card company, the member store copy slip is a slip that the member store keeps as a paper slip, and the customer copy slip is a slip to pass to the customer of the transaction. .
[0008]
The above-mentioned prior art has the following problems.
[0009]
In a conventional credit card payment system, when performing a payment transaction using a payment terminal (credit terminal) installed at a member store, usually, for each transaction, a card company storage slip, a member store copy slip, a customer Three types of slips were printed out from the settlement terminal. Therefore, all settlement terminals have a slip printer, and the slip printer must print and output the slip.
[0010]
In this case, (1): the consumption of the slip paper is large, the slip cost increases (affects the settlement cost), and it takes time to exchange the slip paper. {Circle around (2)}: The burden of slip management and storage is heavy. As a result, the burden of checking the slips at the merchant store (checking the matching of the daily total with each transaction slip, etc.) is heavy, and the processing load of storing and sending slips is large (sorting, sorting, sending, and storing output slips). There are issues such as.
[0011]
As described above, the provision of the slip printer is a factor that hinders reduction in cost, size, weight, and the like, and is one of the main causes of failure of the payment terminal.
[0012]
By the way, the following situation has changed recently.
[0013]
{Circle around (1)} With the development of IC cards, the frequency of requesting a signature from a user (customer) is reduced, and electronic verification means such as PIN (Personal Identification Number) input is replaced.
[0014]
{Circle around (2)}: Various guidelines and laws regarding slip operation regulations are moving toward deregulation (storage methods and forms).
[0015]
(3): We are heading in the direction of responding to new demands such as improving services at POS destination member stores (inter-center connection terminals) and responding to vending machines and vending machines (part-time clerks / no clerks at store sites) In such situations, slips are left behind.
[0016]
Due to such a situation change, computerization is progressing, and paper slips are no longer necessary.
[0017]
Therefore, the present invention solves the above-mentioned conventional problems based on the above-mentioned situation change, and stops the printing of slips (paper output) at the settlement terminal, so that the slip data is collectively stored at the server and stored electronically. It is an object of the present invention to achieve a paperless operation at a settlement terminal by operating or operating a server and printing only necessary slips collectively.
[0018]
The present invention has the following configuration to achieve the above object.
[0019]
(1): A payment terminal for performing payment of a credit card, and a server of a credit card processing system including a server connected to the payment terminal via a communication line, the credit card transmitted from the payment terminal for each transaction. Payment result receiving means for receiving a payment result, payment result storing means for storing the received payment result in a file device separately for each payment terminal, and a card to be stored at a member store or a card company with respect to the payment result A card company storage slip management means that stores the company storage slips as electronic data on the server, and if the member store stores the slips, stores them on the server as it is, and searches and outputs the electronic data when receiving the slip inquiry A member store copy that sends settlement result data immediately or collectively to the member store headquarters using information registered in advance for each member store It is characterized by comprising a slip processing means and a user copy slip processing means which can be transmitted to another system based on the settlement result according to the individual convenience of the user.
[0020]
(2): In the server of the credit card processing system of the above (1), based on the settlement result, a copy of the user, a copy of the member store, and a copy of the credit card company are stored for each member store using the information registered in advance. Is provided with output destination determination means for selecting an output destination.
[0021]
(3): The server of the credit card processing system including the payment terminal for performing the payment of the credit card and the server connected to the payment terminal via the communication line receives the result of the daily total processing performed by the payment terminal. A daily processing result receiving means, a daily processing result storing means for storing the received daily processing result in the file device separately for each payment terminal, and checking the daily processing result for each payment terminal. Abnormal transaction output control means that retrieves the member store copy slip data corresponding to the transaction and outputs it to the console specified by the member store, and tabulates the daily total processing results for each payment terminal, and for each card company, department, store A totaling means for totalizing data for each member store or the entire member store.
[0022]
(Action)
The operation of the present invention based on the above configuration will be described with reference to FIG.
[0023]
(A): In the above (1), the settlement result receiving means (such as the communication processing unit 25) receives the settlement result transmitted from the settlement terminal 1 every transaction, and setstle the settlement result storing means (the transaction management unit 26, the file The control unit 28) stores the received payment result in the file device 30 separately for each payment terminal.
[0024]
Further, the card company storage slip management means (part of the transaction management unit 26) stores the card company storage slip to be stored at the member store or the card company as electronic data on the server 9 with respect to the settlement result. When the store stores the slips, they store the slips on the server 9 as they are, and when receiving the slip inquiry, retrieve and output the electronic data.
[0025]
In addition, the member store copy slip processing means (part of the transaction management unit 26) transmits the settlement result data to the member store headquarters immediately or collectively using information registered in advance for each member store. Further, the user copy slip processing means (part of the transaction management unit 26) performs processing for transmitting to another system based on the settlement result in accordance with the individual convenience of the user.
[0026]
In this way, the slip printout (paper output) at the settlement terminal 1 is stopped, and the slip data is collectively stored and operated electronically at the server 9 or the slip printer 29 of the server 9 is operated. In this way, only the necessary slips are printed together, so that the payment terminal 1 can be made paperless.
[0027]
Accordingly, there is no need to mount a slip printer on the settlement terminal 1 unlike the conventional case, which contributes to the reduction in size, weight, and cost of the settlement terminal 1 and also enables the settlement to be performed by a more general-purpose device. Can be.
[0028]
(B): In the above (2), the output destination determination means uses the information registered in advance to store the user's copy, the member store copy, and the card company copy for each member store based on the settlement result. Select the output destination. In this way, the service of the user (customer) can be improved.
[0029]
(C): In the above (3), the daily total processing result receiving means receives the result of the daily total processing performed by the payment terminal 1 from the payment terminal 1, and the daily total processing result storage means executes the received daily total processing. The result is stored in the file device 30 separately for each settlement terminal 1.
[0030]
Then, the abnormal transaction output control means checks the daily total processing result for each settlement terminal, retrieves the member store copy slip data corresponding to the abnormal transaction, and outputs it to the console designated by the member store. Further, the counting means totals the daily total processing results for each payment terminal, and totals data for each card company, each department, each store, or the entire member store. This greatly contributes to labor saving and systematization of member stores.
[0031]
Embodiments of the present invention will be described below in detail with reference to the drawings.
[0032]
§1: System description
FIG. 2 is a configuration diagram of the system. Hereinafter, the credit card processing system will be described with reference to FIG. This system is an example of a credit card processing system including a payment terminal (or a credit terminal) 1 for performing payment of a credit card and a server 9 connected to the payment terminal 1 via a communication line.
[0033]
The payment terminal 1 is installed in a credit member store, and one or more payment terminals are provided. The settlement terminal 1 includes a CPU 11 for performing various controls and processes in the terminal, a writable memory 12 for storing various data, and a communication process for performing communication with other devices (analysis of received messages, reception of messages, etc.). A communication processing unit 13 that performs information extraction, communication message creation, and the like), a communication control unit 14 that performs communication control during communication, a card payment processing unit 15 that performs credit card payment processing, and the like.
[0034]
Further, the payment terminal 1 further includes a card input unit 16 for inserting a credit card and reading necessary information, a display unit 17 for displaying information necessary for a transaction, and a key unit for inputting necessary information. A key input unit 18 and the like for inputting are provided.
[0035]
The server 9 includes a CPU 21 for performing various controls and processes in the device, a writable memory 22 for storing various data, communication control units 23 and 24 for performing communication control during communication, and various communication processes (reception). A communication processing unit 25 for analyzing a message, extracting received information, and creating a message for communication, a transaction management unit 26 for managing transactions by a credit card, and performing an output process when printing and outputting slip data. A slip output unit 27 and a file control unit 28 for storing data in the file device 30 and reading necessary information are provided. Further, the server 9 includes a slip printer 29, a file device (for example, a hard disk device) 30, and the like.
[0036]
The server 9 is connected to the computer 5 of the credit information processing center and the computer 6 of the card company via a communication line so that credit inquiry or sales inquiry can be performed. Further, the server 9 has a function of connecting to the computer 7 of the data center, transmitting transaction record result data, and registering transaction record result data.
[0037]
The communication processing unit 25, the transaction management unit 26, the slip output unit 27, and the file control unit 28 of the server 9 are each configured by a program. When the CPU 21 executes the program, the functions of the communication processing unit 25, the transaction management unit 26, the slip output unit 27, and the file control unit 28 are realized.
[0038]
§2: Overview of processing
FIG. 3 is an explanatory diagram of the processing outline. The outline of the processing in the system is as follows.
[0039]
(1): The card company storage slip was conventionally printed out by the slip printer 2 at the settlement terminal 1, but in the present invention, it is stored as electronic data in the file device 30 of the server 9 and processed as follows.
[0040]
{Circle around (1)} When a member store keeps it, it keeps it as electronic data as it is, retrieves it when there is an inquiry from the card company, outputs it, and presents it.
[0041]
{Circle around (2)} When stored by a card company or the like, collectively print out and send it to a credit information processing center (or a collective storage center) or the like.
[0042]
(2): The member store copy slip was conventionally printed out by the slip printer 2 at the settlement terminal 1, but in the present invention, it is stored as electronic data in the file device 30 of the server 9 and processed as follows.
[0043]
{Circle around (1)}: The sales data (transaction result) is transmitted from the server 9 to the computer of the member store headquarters (immediately or collectively).
[0044]
{Circle around (2)}: Automating the daily accounting process ｛Check the daily accounting table (electronic data) created by the settlement terminal 1 at the server 9, search for a slip corresponding to abnormal transaction, and console (personal computer, etc.) Output to｝.
[0045]
(3): In the past, a customer copy slip was printed out by the slip printer 2 at the settlement terminal 1, but in the present invention, it is stored as electronic data in the file device 30 of the server 9 and processed as follows.
[0046]
{Circle around (1)}: The server 9 collectively prints the slips.
[0047]
{Circle around (2)}: Transmission to another system (slip output by another system), mail notification to registered users, or web registration as transaction history data for each user.
[0048]
§3: Description of system processing
FIG. 4 is an explanatory diagram of the processing of the system. In the credit card processing system shown in FIG. 4, processing is performed as follows.
[0049]
(1): In the settlement terminal 1, when the credit card is settled by the processing of the card settlement processing unit 15, data of the settlement result is sent from the card settlement processing unit 15 to the communication processing unit 13, and the communication processing unit 13 To generate a settlement result message, and transmits the settlement result message from the communication control unit 14 to the server 9.
[0050]
In the server 9, the communication control unit 23 receives a message from the settlement terminal 1, extracts the data of the original settlement result in the communication processing unit 25, and sends the received message to the transaction management unit 26. The transaction management unit 26 manages the received settlement result, issues an instruction to the file control unit 28, and stores (registers) the settlement transaction result data (settlement result) in the file device 30.
[0051]
In this way, the settlement transaction result data sent from the settlement terminal 1 is stored (or registered) in the file device 30 (for example, a hard disk device) of the server 9. In this case, the transaction management unit 26 performs management as follows.
[0052]
{Circle around (1)} When a member store stores the data, the data is stored as it is in the file device 30 as electronic data, and when there is an inquiry from the card company, it is retrieved, output, and presented.
[0053]
{Circle around (2)} When stored by the card company, collectively print out and send it to the computer 5 of the credit information processing center.
[0054]
(2): The member store copy slip is stored as electronic data in the file device 30 of the server 9 and processed as follows.
[0055]
{Circle around (1)}: The sales data (transaction result) is transmitted from the server 9 to the computer of the member store headquarters (immediately or collectively).
[0056]
{Circle around (2)}: Automating the daily accounting process ｛Check the daily accounting table (electronic data) created by the settlement terminal 1 at the server 9, search for a slip corresponding to abnormal transaction, and console (a personal computer, etc.) Output to｝.
[0057]
(3): The customer copy slip is stored as electronic data in the file device 30 of the server 9 and processed as follows.
[0058]
{Circle around (1)} The slips are collectively printed by the server 9 and printed by the slip printer 29.
[0059]
{Circle around (2)}: Send to another system (output a slip in another system), notify a registered user by e-mail, or register as web transaction history data for each user.
[0060]
§4: Explanation of Example 1
FIG. 5 is an explanatory diagram of Example 1. Hereinafter, the process of Example 1 will be described with reference to FIG.
[0061]
Example 1 is an example of a credit card processing system including a payment terminal 1 for performing payment of a credit card and a server 9 connected to the payment terminal 1 via a communication line. A computer 5 in the credit information processing center is connected to a computer 6 of a credit card company via a communication line. Hereinafter, the processing of the system will be described.
[0062]
{Circle around (1)}: The card company storage slip to be stored at the member store or the card company is stored as electronic data on the server 9, and when the member store stores the slip, it is stored on the server 9 as it is, and the slip inquiry is received. The electronic data is searched and output when it is received (card company storage slip processing).
[0063]
{Circle around (2)} Using the information registered in advance for each member store, perform a process of immediately or collectively transmitting the settlement result to a computer or the like at the member store headquarters (member store copy slip process).
[0064]
{Circle around (3)} In accordance with the individual circumstances of the user, a process of transmitting to another system based on the settlement result (user copy slip process) is performed.
[0065]
When the settlement terminal 1 starts a business, first, a business menu is displayed on the display screen of the display unit 17. On this display screen, the operator selects a task / transaction type, inputs a password (operator's password), and the like. In this case, a credit / debit card or the like is selected, and processing such as sales, cancellation / approval, and the like is performed.
[0066]
Then, the payment terminal 1 displays "Please give me a card" and prompts the user to insert a credit card. Thereafter, when the operator rubs (inputs) the credit card, the payment terminal 1 displays input guidance such as the amount on the display screen of the display unit 17. With this display, when the operator inputs a product code, an amount, a payment method, and the like, a PIN (user password) input guidance is displayed on the display screen of the display unit 17.
[0067]
According to the above display, when the user inputs a PIN (Personal Identification Number), in the payment terminal 1, the communication processing unit 13 creates a message for a sales processing request based on the data received from the card payment processing unit 15, This message is transmitted to the computer 5 of the credit information processing center via the server 9.
[0068]
At this time, the computer 5 of the credit information processing center transmits the received message to the computer 6 of the card company. Thereafter, when a reply message is sent from the computer 6 of the card company to the computer 5 of the credit information processing center, a response message such as sales is sent from the computer 5 to the settlement terminal 1 via the server 9.
[0069]
The settlement terminal 1 that has received the response message displays the result described in the response message on the display screen of the display unit 17. Then, the settlement terminal 1 transmits the settlement result data to the server 9 and shifts to displaying a business menu. When the server 9 receives the payment result data from the payment terminal 1, the payment result data is registered in the file device 30 (registered separately for each payment terminal 1), and the transaction management unit 26 stores the user account and the card company. Create a copy.
[0070]
Then, the member store copy of the registered "payment result" is sent to the member store headquarters, and the user copy is registered in the file device 30, and then the user copy is transmitted to another system (for example, the computer 7 of the data center). After registering the printing image data in the file device 30, the card company copy sends the card company storage slip to the card company.
[0071]
§5: Explanation of Example 2
FIG. 6 is an explanatory diagram of Example 2. Hereinafter, the process of Example 2 will be described with reference to FIG.
[0072]
Example 2 is an example in which, in the system of Example 1, a process of selecting an output destination for a user copy, a member store copy, and a card company copy using information registered in advance, based on settlement result data.
[0073]
The settlement terminal 1 displays the result described in the response message on the display screen of the display unit 17 in the same manner as in Example 1. Then, the settlement terminal 1 transmits the settlement result data to the server 9 and shifts to displaying a business menu.
[0074]
In the server 9, when the payment result data from the payment terminal 1 is received via the communication control unit 23, the communication processing unit 25 receives the received data, extracts the payment result data, and passes the data to the transaction management unit 26. Thereafter, the transaction management unit 26 requests the file control unit 28, and under the control of the file control unit 28, registers the payment result data in the file device 30 (separately registers for each payment terminal 1). At the request of the transaction management unit 26, the slip printer 29 prints out the member store copy, the user copy, and the card company copy on paper and outputs them.
[0075]
In this case, the server 9 stores (registers) output destination information (for example, an “output destination registration table”) in advance in the file device 30 (for example, a hard disk device) separately for each settlement terminal. The output destination of the data is determined from the destination information (output destination registration table) and the payment result received from the payment terminal 1.
[0076]
As an example of the output destination information (output destination registration table), for the member store A, for example, the output destination of the payment terminal number A1 = m1, the output destination of the payment terminal number A2 = m2, and the payment terminal number A3 output destination = m3 Are registered as output destinations m1, m2, m3, and so on. Further, for the member store B, the output destinations n1, n2, n2,..., The output destination of the payment terminal number B1 = n1, the output destination of the payment terminal number B2 = n2, the output destination of the payment terminal number B3 = n3,. .. n3 are registered.
[0077]
In this way, the transaction management unit 26 uses the number of the payment terminal 1 included in the data of the payment result (payment transaction result) received from the payment terminal 1 based on the output destination registration table registered in advance. Determine the output destination.
[0078]
First, the transaction management unit 26 determines the output destination of the member store copy, sends the settlement result data (electronic data of the file device 30) to the computer of the member store headquarters, and sends the printed member store copy to the member store headquarters.
[0079]
Next, the transaction management unit 26 makes a user copy output destination determination, and sends the user transaction information (electronic data) to the user by registering it on the web, or sends it to the user by e-mail. The printed copy of the user is given to the user.
[0080]
Next, the transaction management unit 26 judges the output destination of the card company copy, sends the print image data (electronic data created for printing) to the computer 6 of the card company, and prints the printed card company copy in batch. And send it to the credit card company on the closing day.
[0081]
§6: Explanation of Example 3
FIG. 7 is an explanatory diagram of Example 3. Hereinafter, the process of Example 3 will be described with reference to FIG.
[0082]
Example 3 performs the following processing.
[0083]
(1): The result (daily data) of the daily total processing performed by the settlement terminal 1 is transmitted to the server 9, and the daily total data is stored (registered) in the file device 30 for each settlement terminal 1 on the server 9. . Then, the server 9 performs the following processing.
[0084]
{Circle around (1)}: The transaction management unit 26 of the server 9 checks the daily total data (daily payment result data) of each payment terminal 1 and searches the member store copy slip data corresponding to the abnormal transaction to specify the member store. Output to console.
[0085]
{Circle around (2)}: Daily total data for each payment terminal 1 is totaled, and data for each card company, each department, each store, or the entire member store is totaled.
[0086]
By the above-described processing, the daily total processing conventionally performed for each settlement terminal 1 is centralized in the manager console (for example, a personal computer) of the server 9 and the totalizing processing is automated. Hereinafter, the processing will be specifically described.
[0087]
The settlement terminal 1 displays a business menu. When the operator who has viewed the business menu selects the daily business in the business menu, the payment terminal 1 performs daily processing and transmits the daily result to the server 9 (a request for registration of the daily result). Thereafter, when a registration completion notification of the daily total settlement result data is transmitted from the server 9, the settlement terminal 1 displays on the display screen that the daily total processing has been completed.
[0088]
On the other hand, when the server 9 receives the daily total result (daily total data) transmitted from the settlement terminal 1 via the communication control unit 23, the communication processing unit 25 extracts the daily total result from the received message. Then, the transaction management unit 26 requests the file control unit 28 to store (register) the daily total data (daily total result) in the file device 30 separately for each settlement terminal 1. Then, a registration completion notification is sent to the settlement terminal 1. Thereafter, the transaction management unit 26 examines the daily total result and determines whether or not there is an abnormal transaction.
[0089]
As a result, if there is an abnormality, an abnormal transaction alarm is output to a console designated in advance. The abnormal transaction alarm information in this case includes a terminal ID, a processing sequence number of the abnormal transaction, a transaction date and time, transaction contents (slip image), and the like. If it is not abnormal, the totalizing process is performed, the totaling result is stored in the file device 30, and the contents are sent to the computer of the member store headquarters. In this case, the tabulation result includes data on card companies, departments, stores, and the entire member store. In addition, transmission processing to the member store headquarters is performed.
[0090]
§7: Explanation of settlement result data
FIG. 8 is an explanatory diagram of the settlement result data. The settlement result data includes, for example, data as shown in FIG. In this example, the settlement result data includes “terminal identification number”, “transaction date”, “time”, “amount”, “card information”, “product code”, “transaction information”, “PIN data” (use ) (Personal identification number of the user)... "Message information", etc., and also data such as "Member store copy destination", "User copy destination", "Card company copy destination". I have.
[0091]
In this case, the “member store copy destination” is, for example, code number 1 = head office, 2 = store printer, and the “user copy output destination” is code number 1 = user information file, 2 = store printer The “card company copy destination” is code number 1 = print image file, 2 = store printer.
[0092]
§8: Description of specific server examples and recording media
FIG. 9 shows a specific example of a server. The server 9 can be realized by any computer such as a workstation and a personal computer. This device includes a computer main body 40, a display device 41 connected to the computer main body 40, an input device (keyboard / mouse or the like) 42, a removable disk drive (referred to as "RDD") 43, and a hard disk device (referred to as "HDD"). 44 and the like.
[0093]
The computer body 40 includes a CPU 21 for performing various internal controls and processes, a ROM 45 (non-volatile memory) for storing programs and various data, a memory 22, and an interface control unit (“I / F Control unit 46), a communication control unit 47, and the like. Note that the removable disk drive (RDD) 43 includes a flexible disk drive, an optical disk drive, and the like.
[0094]
In the apparatus having the above configuration, for example, the functions of the communication processing unit 25, the transaction management unit 26, the slip output unit 27, and the file control unit 28 provided on the server 9 on the magnetic disk (recording medium) of the hard disk device 44 Are stored, and the CPU 21 reads out and executes the program, whereby each function of the communication processing unit 25, the transaction management unit 26, the slip output unit 27, the file control unit 28, and the like is performed. To achieve.
[0095]
However, the present invention is not limited to such an example. For example, the program may be stored in the magnetic disk of the hard disk device 44 as follows, and the program may be executed by the CPU 21 executing the program. It is possible.
[0096]
{Circle around (1)} A program stored in a removable disk created by another device (program data created by another device) is read by the removable disk drive 43 and stored in the recording medium of the hard disk device 44.
[0097]
{Circle around (2)}: Receives data such as a program transmitted from another device via the communication line via the communication control unit 47, and stores the data in a recording medium (magnetic disk) of the hard disk device 44.
[0098]
(Note)
The following configuration is added to the above description.
[0099]
(Appendix 1)
A payment terminal for performing payment of a credit card, and a server of a credit card processing system including a server connected to the payment terminal via a communication line,
Payment result receiving means for receiving the payment result of the credit card transmitted each time a transaction from the payment terminal,
Payment result storage means for storing the received payment result in a file device separately for each payment terminal,
Regarding the settlement result, the card company storage slip to be stored at the member store or card company is stored as electronic data on the server, and when the member store stores the slip, it is stored on the server as it is, and the slip inquiry was received. A card company storage slip management means for searching and outputting electronic data at times,
A member store copy slip processing means for immediately or collectively transmitting settlement result data to the member store headquarters using information registered in advance for each member store,
A server for a credit card processing system, comprising: a user copy slip processing means for enabling transmission to another system based on the settlement result in accordance with each user's convenience.
[0100]
(Appendix 2)
An output destination determining means for selecting an output destination for each member store using information registered in advance for a user copy, a member store copy, and a card company copy based on the settlement result. The server of the credit card processing system according to (Supplementary Note 1).
[0101]
(Appendix 3)
A payment terminal for performing payment of a credit card, and a server of a credit card processing system including a server connected to the payment terminal via a communication line,
A daily processing result receiving unit that receives a result of the daily processing performed by the payment terminal; a daily processing result storage unit that stores the received daily processing result in a file device separately for each payment terminal;
Abnormal transaction output control means for checking the daily total processing result for each settlement terminal, searching for the member store copy slip data corresponding to the abnormal transaction, and outputting the data to a console designated by the member store,
2. The method according to claim 1, further comprising: totaling means for totalizing daily total processing results for each payment terminal and totaling data for each card company, each department, each store, or the entire member store. Credit card processing system server.
[0102]
(Appendix 4)
On the computer,
Payment result receiving means for receiving the payment result of the credit card transmitted each time a transaction from the payment terminal,
Payment result storage means for storing the received payment result in a file device separately for each payment terminal,
Regarding the settlement result, the card company storage slip to be stored at the member store or card company is stored as electronic data on the server, and when the member store stores the slip, it is stored on the server as it is, and the slip inquiry was received. A card company storage slip management means for searching and outputting electronic data at times,
A member store copy slip processing means for immediately or collectively transmitting settlement result data to the member store headquarters using information registered in advance for each member store,
A computer-readable recording medium storing a program for realizing a function of a user copy slip processing means which can be transmitted to another system based on a settlement result in accordance with each user's convenience.
[0103]
(Appendix 5)
On the computer,
Payment result receiving means for receiving the payment result of the credit card transmitted each time a transaction from the payment terminal,
Payment result storage means for storing the received payment result in a file device separately for each payment terminal,
Regarding the settlement result, the card company storage slip to be stored at the member store or card company is stored as electronic data on the server, and when the member store stores the slip, it is stored on the server as it is, and the slip inquiry was received. A card company storage slip management means for searching and outputting electronic data at times,
A member store copy slip processing means for immediately or collectively transmitting settlement result data to the member store headquarters using information registered in advance for each member store,
A program for realizing the function of the user copy slip processing means that can be transmitted to another system based on the settlement result in accordance with each user's individual circumstances.
[0104]
(Appendix 6)
On the computer,
A daily processing result receiving unit that receives a result of the daily processing performed by the payment terminal; a daily processing result storage unit that stores the received daily processing result in a file device separately for each payment terminal;
Abnormal transaction output control means for checking the daily total processing result for each settlement terminal, searching for the member store copy slip data corresponding to the abnormal transaction, and outputting the data to a console designated by the member store,
A computer-readable program storing a program for realizing the function of a totalizing means for totalizing the daily total processing results for each payment terminal and totaling data of each card company, department, store, or entire member store. recoding media.
[0105]
(Appendix 7)
On the computer,
A daily processing result receiving unit that receives a result of the daily processing performed by the payment terminal; a daily processing result storage unit that stores the received daily processing result in a file device separately for each payment terminal;
Abnormal transaction output control means for checking the daily total processing result for each settlement terminal, searching for the member store copy slip data corresponding to the abnormal transaction, and outputting the data to a console designated by the member store,
A program for realizing a function of a totaling means for totalizing daily total processing results for each payment terminal and totaling data for each card company, each department, each store, or the entire member store.
[0106]
As described above, according to the present invention, the following effects can be obtained.
[0107]
(1): In Claims 1, 4, and 5, the settlement result receiving means receives the settlement result transmitted from the settlement terminal for each transaction, and the settlement result storage means stores the received settlement result for each of the settlement terminals. And store it in the file device.
[0108]
In addition, the card company storage slip management means stores the card company storage slip to be stored at the member store or the card company as electronic data on the server with respect to the settlement result, and when the member store stores the slip, the server as it is. The electronic data is retrieved and output when a slip inquiry is received.
[0109]
Further, the member store copy slip processing means transmits the settlement result data immediately or collectively to the member store headquarters using information registered in advance for each member store. Further, the user copy slip processing means performs processing for transmitting to another system based on the settlement result in accordance with the individual convenience of the user.
[0110]
In this way, the slip printout (paper output) at the settlement terminal is stopped, so that the slip data is collectively stored on the server and stored electronically, or only the necessary slips are collected at the server. In this case, paperless printing can be achieved at the payment terminal. Therefore, it is not necessary to mount a slip printer on the settlement terminal 1 as in the related art, which contributes to downsizing, weight reduction, and cost reduction of the settlement terminal, and also makes it possible to execute settlement with a more general-purpose device. it can.
[0111]
(2): In claim 2, the output destination judging means outputs a user copy, a member store copy, and a card company copy for each member store based on the settlement result, using information registered in advance. Choose a destination. In this way, the service of the user (customer) can be improved.
[0112]
(3): In claim 3, the daily total processing result receiving means receives the result of the daily total processing performed by the payment terminal from the payment terminal, and the daily total processing result storage means stores the received daily total processing result. Are stored in the file device separately for each payment terminal.
[0113]
Then, the abnormal transaction output control means checks the daily total processing result of each settlement terminal, retrieves the member store copy slip data corresponding to the abnormal transaction, and outputs it to the console designated by the member store. Further, the counting means totals the daily total processing results for each payment terminal, and totals data for each card company, each department, each store, or the entire member store. This greatly contributes to labor saving and systematization of member stores.
[Brief description of the drawings]
FIG. 1 is a diagram illustrating the principle of the present invention.
FIG. 2 is a configuration diagram of a system according to an embodiment of the present invention.
FIG. 3 is an explanatory diagram of a processing outline in the embodiment of the present invention.
FIG. 4 is an explanatory diagram of processing of the system according to the embodiment of the present invention.
FIG. 5 is an explanatory diagram of Example 1 in the embodiment of the present invention.
FIG. 6 is an explanatory diagram of Example 2 in the embodiment of the present invention.
FIG. 7 is an explanatory diagram of Example 3 in the embodiment of the present invention.
FIG. 8 is an explanatory diagram of settlement result data in the embodiment of the present invention.
FIG. 9 is a specific device example of a server according to an embodiment of the present invention.
FIG. 10 is an explanatory diagram of a conventional system.
FIG. 11 is an explanatory diagram of a conventional process.
[Explanation of symbols]
1 Payment terminal
2 slip printer
5, 6, 7 Computer
9 Server
11, 21 CPU
12, 22 memory
13, 25 Communication processing unit
14, 23, 24 Communication control unit
15 Card payment processing section
16 Card input section
17 Display
18 Key input section
26 Transaction Management Department
27 Slip output section
28 File Control Unit
29 slip printer
30 File device

Claims (5)

A payment terminal for performing payment of a credit card, and a server of a credit card processing system including a server connected to the payment terminal via a communication line,
Payment result receiving means for receiving the payment result of the credit card transmitted each time a transaction from the payment terminal,
Payment result storage means for storing the received payment result in a file device separately for each payment terminal,
Regarding the settlement result, the card company storage slip to be stored at the member store or card company is stored as electronic data on the server, and when the member store stores the slip, it is stored on the server as it is, and the slip inquiry was received. A card company storage slip management means for searching and outputting electronic data at times,
A member store copy slip processing means for immediately or collectively transmitting the settlement result to the member store headquarters using information registered in advance for each member store,
A server for a credit card processing system, comprising: a user copy slip processing means for enabling transmission to another system based on the settlement result in accordance with each user's convenience. An output destination determining means for selecting an output destination for each member store using information registered in advance for a user copy, a member store copy, and a card company copy based on the settlement result. The server of the credit card processing system according to claim 1, wherein A payment terminal for performing payment of a credit card, and a server of a credit card processing system including a server connected to the payment terminal via a communication line,
A daily total processing result receiving means for receiving a result of the daily total processing performed by the settlement terminal,
A daily processing result storage unit that stores the received daily processing result in a file device separately for each payment terminal;
Abnormal transaction output control means for checking the daily total processing result for each settlement terminal, searching for the member store copy slip data corresponding to the abnormal transaction, and outputting the data to a console designated by the member store,
2. The method according to claim 1, further comprising: totaling means for totalizing daily total processing results for each payment terminal and totaling data for each card company, each department, each store, or the entire member store. Credit card processing system server. On the computer,
Payment result receiving means for receiving the payment result of the credit card transmitted each time a transaction from the payment terminal,
Payment result storage means for storing the received payment result in a file device separately for each payment terminal,
Regarding the settlement result, the card company storage slip to be stored at the member store or card company is stored as electronic data on the server, and when the member store stores the slip, it is stored on the server as it is, and the slip inquiry was received. A card company storage slip management means for searching and outputting electronic data at times,
A member store copy slip processing means for immediately or collectively transmitting the settlement result to the member store headquarters using information registered in advance for each member store,
A computer-readable recording medium storing a program for realizing a function of a user copy slip processing means which can be transmitted to another system based on a settlement result according to each user's convenience. On the computer,
Payment result receiving means for receiving the payment result of the credit card transmitted each time a transaction from the payment terminal,
Payment result storage means for storing the received payment result in a file device separately for each payment terminal,
Regarding the settlement result, the card company storage slip to be stored at the member store or card company is stored as electronic data on the server, and when the member store stores the slip, it is stored on the server as it is, and the slip inquiry was received. A card company storage slip management means for searching and outputting electronic data at times,
A member store copy slip processing means for immediately or collectively transmitting settlement result data to the member store headquarters using information registered in advance for each member store,
A program for realizing the function of the user copy slip processing means that can be transmitted to another system based on the settlement result in accordance with each user's individual circumstances.

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