JP2004086557A - Pos terminal equipment, pos system and program for pos terminal equipment - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve a situation that since whether or not signatureless settlement for making it possible for a customer to execute settlement without signing his or her name is possible depends on independent decision of a shop tender, an error is likely to occur, and quick payment processing is hindered due to excessive labor imposed on the staff. <P>SOLUTION: Whether or not the signature of a customer is necessary is automatically decided, and when it is decided that the signature of the customer is necessary, a credit company duplicate slip is printed on the first slip for card settlement, and when it is decided that the signature of the customer is unnecessary, a customer duplicate slip is printed on the first slip for card settlement. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a POS terminal device capable of performing payment with a card such as a credit card in a transaction process with a customer.
[0002]
[Prior art]
Shopping using cards such as credit cards has become widespread regardless of gender or age. In the past, there was the impression that credit cards were used for some expensive shopping, but in the process of moving toward a cashless era in recent years, there has been a tendency for credit cards to be used regardless of the amount of transactions, The frequency is steadily increasing. Originally, the customer's signature required for credit card transactions is intended to prevent unauthorized use of the card, etc., but it is a small amount of shopping, or the store or chain issued it independently. In the case of a card, the number of stores that provide a service that allows customers to make payments without signing (hereinafter, referred to as signless payments) is increasing. As a result, the customer can quickly complete the payment process without performing a troublesome sign.
[0003]
[Problems to be solved by the invention]
As mentioned above, the number of stores that can perform signless payments has recently increased, but the POS system itself does not support signless payments. In many cases, a slip is printed first, followed by a customer slip. In this case, it is up to the clerk to determine whether the transaction requires signing or not, and the clerk himself signs the customer by checking the total amount of the transaction or the type of card, for example. Or simply giving the customer a copy of the customer's copy without asking for a signature. However, in this method, a clerk is likely to make an error, and an extra burden is imposed on the clerk, which hinders prompt payment processing.
Therefore, an object of the present invention is to provide a POS system that can smoothly perform a payment process when a customer's signature is required or not, without imposing an extra burden on a clerk.
[0004]
[Means for Solving the Problems]
In order to solve the above-mentioned problems, a POS terminal device having a card settlement function in transaction processing with a customer and printing out at least a credit company copy slip and a customer copy slip as a card payment slip, Reading means for reading card information stored in the card, determining means for determining whether or not a signature of the customer is required for settlement of the transaction by the card, based on the card information, and determining means When it is determined that the signature of the customer is necessary, the credit company copy slip is printed out on the first sheet of the card settlement slip, and it is determined that the signature of the customer is unnecessary. In this case, there is provided printing means for printing out a customer copy slip on the first sheet of the card payment slip (claim 1).
[0005]
The determination means is configured to make a determination based on card company identification information in the card information (claim 2).
[0006]
The determination means is configured to make a determination based on a total transaction amount of the transaction (claim 3).
[0007]
In order to solve the above problem, the present invention provides a POS system which has a card settlement function in a transaction process with a customer and prints out at least a credit company copy slip and a customer copy slip as a card payment slip at the time of payment. Reading means for reading card information stored on the card presented by the customer; and determining whether or not a signature of the customer is necessary for settlement of the transaction by the card based on the card information. When it is determined that the customer's signature is required by the determination means and the determination means, a credit company copy slip is printed out on the first sheet of the card settlement slip, and the signature of the customer is And printing means for printing out the customer copy slip on the first sheet of the card payment slip when it is determined that the slip is unnecessary (claim 4).
[0008]
Further, in order to solve the above-mentioned problem, the present invention provides a computer comprising: a card settlement unit in a transaction process with a customer; a reading unit for reading card information stored on the card presented by the customer; Determining means for determining, based on the card information, whether or not the customer's signature is required for payment by the card; and a credit company copy slip and a customer copy slip printed at least as a card payment slip during the card payment If it is determined by the determining means that the signature of the customer is necessary, a credit company copy slip is printed out on the first sheet of the card settlement slip, and the signature of the customer is unnecessary. If it is determined that the customer settlement slip is determined, the printing means for printing out the customer copy slip on the first sheet of the card settlement slip is realized. (Claim 5).
[0009]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 shows an overall system configuration diagram of the present embodiment. In the present embodiment, the POS terminal (1-3) is connected to the store server (1-1) via communication means (1-2) such as a LAN, a WAN, and the Internet. The system is configured to be connected to a card host (1-5) such as a credit card company via a public communication network (1-4).
FIG. 2 shows a block diagram of the store server (1-1). The store server includes a CPU (2-1), a memory (2-2), a hard disk (2-3), a communication unit (2-4) for communicating with a communication network, a display unit (2-5), and a display (2--2). 6), an input / output controller (2-7), a keyboard (2-8), a mouse (2-9), and a bus (2-10) for connecting these. The hard disk (2-3) stores a determination unit as a program, which is loaded into the memory (2-2), read from the CPU (2-1), and sequentially executed. The hard disk (2-3) also stores a database including a card information master shown in FIG. 4 and a product master (not shown).
FIG. 3 shows a block diagram of the POS terminal (1-3). The POS terminal includes a CPU (3-1), a memory (3-2), a hard disk (3-3), a communication unit (3-4) for communicating with a communication network, a display unit (3-5), an LCD panel (3-3). -6), drawer (3-7), input / output unit (3-8), keyboard (3-9), printer (3-10), touch panel (3-11), barcode scanner (3-12), It comprises a card reader (3-13), a bus (3-14) for connecting them, and a clock section (3-15). The hard disk (3-3) stores a transaction processing unit, a card settlement processing unit, and a print processing unit as programs, which are loaded into the memory (3-2), read from the CPU (3-1), and sequentially read. Be executed.
FIG. 4 shows a card information master, in which information such as a company code, a company name, a signless payment possibility flag, a signless payment limit, and the number of slips printed is stored for each credit card company. The signless payment permission flag determines whether or not to permit signless payment for each credit card company. 1 indicates that signless payment is possible and 0 indicates that signless payment is not possible. The signless settlement limit indicates the limit of the total transactions that can be settled without signage for a company that can signlessly settle. In FIG. 4, the signless payment flag = 0 (that is, unacceptable) is set for the company B of the company code 002, so that the signless payment limit column is a space. The number of slips printed is the number of slips to be printed at the time of credit settlement. In this embodiment, three slips are printed: credit company copy, customer copy, and member store copy.
Next, the slip printing process at the time of credit settlement will be described based on the flow of FIG.
FIG. 5 shows the process from the start to the end of the payment process, but before the payment process, the CPU (3-1) starts executing the transaction processing unit (not shown) loaded in the memory (3-2) of the POS terminal. Is done. As a result, the bar code attached to the product purchased by the customer is read by the clerk with the bar code scanner (3-12), and stored in the hard disk (2-3) of the store server based on the obtained product code. Information such as the price of the product is acquired from the product master (not shown), and after scanning of all products desired by the customer is completed, the customer should pay by pressing a subtotal key (not shown) on the keyboard (3-9). The amount is fixed. The flow of the transaction processing unit up to this point is omitted here. Thereafter, the payment processing part of the transaction processing unit will be described in detail.
First, the payment process is started by pressing the subtotal key (5-1), and the customer selects a payment method and notifies the sales clerk of the selection. If the customer selects cash or gift voucher payment outside (5-2, NO), the clerk inputs the cash or cash received from the customer (5-3) and deposits / total key. Is pressed (5-4). Finally, a print processing unit (not shown) is loaded into the CPU (3-1) and executed, whereby a receipt (not shown) is printed out from the printer (3-10) (5-5) and handed over to the customer.
On the other hand, if the customer selects payment by credit card at the stage of step 5-2, a card settlement processing unit (not shown) is loaded into the CPU (3-1) and executed. First, a key (not shown) for declaring a credit card payment on the keyboard (3-9) of the POS terminal is depressed (YES at 5-2), and the magnetic stripe of the credit card is depressed by the card reader (3-13) of the POS terminal. The card information stored inside is read (5-6). The card information referred to here generally indicates a card number, an expiration date, the name of the owner, and the like, which are stamped on the surface of the card. Next, after the amount to be paid by the customer in the transaction is input from the keyboard (3-9) (5-7), the customer selects between lump-sum payment and installment payment. It is input from (3-9) (5-8). Next, at step 5-9, when the clerk presses an unapproved request key (not shown) on the keyboard (3-9), the information (card information, amount, payment method) acquired so far is transmitted to the communication unit (3) of the POS terminal. -4) to the store server, and transmitted from the communication unit (2-4) of the store server to the card host (1-5) via the public communication network (1-4). The card host that receives the information checks whether the transaction can be settled based on the information, that is, judges whether the credit transaction has been completed or not, and follows the result to the POS terminal by following the reverse route to the above. Notice. Here, if the credit transaction is not established (5-9, NO), the payment process ends (5-10), and the customer newly gives up whether to give up the transaction or make a cash / external transaction. . On the other hand, when the credit transaction is completed (5-9, YES), the card payment processing unit transmits the data to the store server through the communication unit (3-4), and loads and executes the CPU (2-1) of the store server. The unit receives the information. The determination unit accesses the card information master (see FIG. 4) stored in the hard disk (2-3) of the store server, and determines whether the credit card belongs to a credit card company that can perform signless payment and whether the credit card is a signless payment. It checks whether the total transaction amount is possible, and returns the result to the card settlement processing unit of the POS terminal.
Here, for example, if the credit card used in the transaction is that of Company A and the total transaction amount is $ 3000, according to the card information master of FIG. 4, Company A is a credit company that can perform signless payment. Since the transaction total amount has not reached the signless settlement limit, both steps 5-11 and 5-12 are YES. As a result, the print processing unit of the POS terminal normally prints the slip in the order of credit company copy, customer copy, and member store copy, and rearranges the order of the first and second copies (5-13). Prepare to output slips in the order of customer copy, credit company copy, and member store copy. On the other hand, for example, if the credit card used in the transaction is for B company or the total amount of the transaction exceeds the signless payment limit even if it is for A company or C company Since it is determined that no signless transaction is possible, the output order of the slip is the credit company copy, customer copy, and member store copy. Thereafter, when the store / sales key is pressed by the store clerk (5-14), first, a receipt (not shown) is printed out (5-15), and then the transaction performed in steps 5-11 and 5-12 is performed. The slips (three in this embodiment) are printed out from the printer (3-10) in the order corresponding to the result of the check as to whether or not the signable settlement is possible (5-16). This completes the payment process (5-17).
FIG. 6 shows an example of the order of printing the slips. 6-1 shows an example in which signless payment is impossible, and 6-2 shows an example in which signless payment is possible. As can be seen from the figure, the clerk can judge whether this transaction is possible or not by the glance at the type of the first slip output. For example, if the credit card copy slip is output on the first sheet as shown in 6-1, it means that signless payment is not possible. Therefore, hand the first sheet to the customer, request a signature first, and after confirming the signature, The second customer copy may be handed to the customer. If the customer's copy slip is output on the first sheet as in 6-2, it means that signless payment is possible, so if the customer passes the first sheet as it is, the transaction is completed. As described above, the system automatically switches the slip to be printed and output on the first sheet according to whether or not signless payment is possible, so that the time and effort of the clerk to make a decision can be saved, and more rapid transaction processing can be performed.
FIG. 7 shows a specific slip printing example, in which 7-1 shows a credit company copy (with a customer signature field), 7-2 shows a customer copy, and 7-3 shows a member store copy.
FIG. 8 shows another slip printing example, and 8-1 shows a credit company copy without a customer signature field. 8-2 and 8-3 have the same contents as 7-2 and 7-3. When it is determined that signless payment is possible, a credit company copy without a customer signature field as shown at 8-1 may be printed out instead of the credit company copy at 7-1. If a credit company copy with a customer sign field as shown at 7-1 is printed out regardless of whether or not signless payment is made, the sign remains at the store even if signless payment is performed. A credit company copy with a blank customer sign field. However, in this case, for example, when the store clerk checks the credit card transaction slip for the day at the time of closing the store, even if he sees the credit company copy with the unsigned customer sign column, it does not Therefore, it is not possible to immediately determine whether there is no signature because there is no signature, or because you forgot to ask the customer for a signature. However, in the case of signless payment, by printing a credit company copy without a customer sign field, it is only necessary to check whether there is a customer sign field in the credit company copy left at the store side, the transaction Has an effect that it is possible to easily determine whether or not the payment is a signless payment.
In the above-described embodiment, whether or not signless payment is possible is determined in the store server, and the result is notified to the POS terminal connected via the network. A configuration in which a determination is made and the result is notified to a POS terminal connected via a network, or a configuration in which the POS terminal itself has means for determining whether or not signless payment is possible is also conceivable.
In addition, even if the output slip is completely cut off, or if only a part of the slip is cut off by a perforation cutting method, etc. Implementation of the invention is possible.
[0010]
(Appendix 1) A POS terminal device having a card settlement function in transaction processing with a customer, and printing out at least a credit company copy slip and a customer copy slip as a card payment slip,
Reading means for reading card information stored on the card presented by the customer, and judging means for judging based on the card information whether or not a signature of the customer is necessary for settlement of the transaction by the card. ,
If it is determined by the determining means that the signature of the customer is necessary, a credit company copy slip is printed out on the first sheet of the card payment slip,
A printing unit that prints out a customer copy slip on the first sheet of the card payment slip when it is determined that the signature of the customer is unnecessary;
A POS terminal device comprising:
[0011]
(Supplementary Note 2) The POS terminal according to Supplementary Note 1, wherein the determination unit makes the determination based on card company identification information in the card information.
[0012]
(Supplementary Note 3) The POS terminal device according to Claim 1 or 2, wherein the determination unit makes a determination based on a total transaction amount of the transaction.
[0013]
(Supplementary Note 4) A POS system having a card settlement function in transaction processing with a customer, and printing out at least a credit company copy slip and a customer copy slip as a card payment slip at the time of payment,
Reading means for reading card information stored on the card presented by the customer, and judging means for judging based on the card information whether or not a signature of the customer is necessary for settlement of the transaction by the card. ,
If it is determined by the determining means that the signature of the customer is necessary, a credit company copy slip is printed out on the first sheet of the card payment slip,
A printing unit that prints out a customer copy slip on the first sheet of the card payment slip when it is determined that the signature of the customer is unnecessary;
A POS system comprising:
[0014]
(Supplementary note 5) The POS system according to supplementary note 4, wherein the determination unit makes the determination based on card company identification information in the card information.
[0015]
(Supplementary Note 6) The POS system according to Supplementary Note 4 or 5, wherein the determination unit makes the determination based on a total transaction amount of the transaction.
[0016]
(Appendix 7)
Card payment means in the processing of transactions with customers;
Reading means for reading card information stored on the card presented by the customer, and judging means for judging based on the card information whether or not a signature of the customer is necessary for settlement of the transaction by the card. ,
In the credit card copy slip and the customer copy slip which are printed at least as the card payment slip at the time of the card payment, if the determination means determines that the customer's signature is necessary, the card payment slip The credit card copy slip is printed out on the first sheet,
A printing unit that prints out a customer copy slip on the first sheet of the card payment slip when it is determined that the signature of the customer is unnecessary;
For a POS terminal device for realizing the above.
[0017]
(Supplementary Note 8) The POS terminal device program according to Supplementary Note 7, wherein the POS terminal device program determines whether or not a signature of the customer is necessary based on card company identification information in the card information. .
[0018]
(Supplementary note 9) The POS terminal device program according to supplementary notes 7 to 8, wherein the program for the POS terminal device determines whether or not the customer's signature is necessary based on the total transaction amount of the transaction. .
[0019]
【The invention's effect】
According to the present invention, a credit company copy slip is printed out first for a transaction that requires a customer's signature, and a customer copy slip is printed out first for a transaction that does not require a customer's signature. Thus, the clerk can easily determine whether or not the customer's signature is required based on the type of the card settlement slip printed out on the first sheet, and can perform a smooth and prompt payment process.
[Brief description of the drawings]
FIG. 1 is an overall system configuration diagram of an embodiment; FIG. 2 is a configuration diagram of a store server of an embodiment; FIG. 3 is a configuration diagram of a POS terminal of the embodiment; FIG. 4 is a card information master of the embodiment; Processing flow of example [FIG. 6] Slip printing order of embodiment [FIG. 7] Slip printing example of embodiment [FIG. 8] Slip printing example 2 of embodiment
[Explanation of symbols]
6-1 Slip printing order when signless payment is not possible 6-2 Slip printing order when signless payment is possible 7-1 Credit company copy slip (with customer signature field)
7-2 Customer copy 7-3 Merchant store copy 8-1 Credit company copy (without customer signature field)

Claims (5)

A POS terminal device having a card settlement function in transaction processing with a customer, and printing out at least a credit company copy slip and a customer copy slip as a card payment slip,
Reading means for reading card information stored on the card presented by the customer, and judging means for judging based on the card information whether or not a signature of the customer is necessary for settlement of the transaction by the card. ,
If it is determined by the determining means that the signature of the customer is necessary, a credit company copy slip is printed out on the first sheet of the card payment slip,
A printing unit that prints out a customer copy slip on the first sheet of the card payment slip when it is determined that the signature of the customer is unnecessary;
A POS terminal device comprising: 2. The POS terminal device according to claim 1, wherein said determination means makes a determination based on card company identification information in said card information. The POS terminal device according to claim 1, wherein the determination unit determines based on a total transaction amount of the transaction. A POS system having a card settlement function in transaction processing with a customer, and printing out at least a credit company copy slip and a customer copy slip as a card payment slip at the time of payment,
Reading means for reading card information stored on the card presented by the customer, and judging means for judging based on the card information whether or not a signature of the customer is necessary for settlement of the transaction by the card. ,
If it is determined by the determining means that the signature of the customer is necessary, a credit company copy slip is printed out on the first sheet of the card payment slip,
A printing unit that prints out a customer copy slip on the first sheet of the card payment slip when it is determined that the signature of the customer is unnecessary;
A POS system comprising: On the computer,
Card payment means in the processing of transactions with customers;
Reading means for reading card information stored on the card presented by the customer, and judging means for judging based on the card information whether or not a signature of the customer is necessary for settlement of the transaction by the card. ,
In the credit card copy slip and the customer copy slip which are printed at least as the card payment slip at the time of the card payment, if the determination means determines that the customer's signature is necessary, the card payment slip The credit card copy slip is printed out on the first sheet,
A printing unit that prints out a customer copy slip on the first sheet of the card payment slip when it is determined that the signature of the customer is unnecessary;
For a POS terminal device for realizing the above.

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