JP2006350687A - Pos device, printer, credit processing terminal, and pos processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a POS device, printer, credit processing terminal and POS processing method for avoiding duplicated installation of printers. <P>SOLUTION: The POS device 1 comprises a POS terminal 2 for processing payment information of products for sales and producing the printing data of the sales, and the printer 7 being connected to the POS terminal 2 and having a function of credit payment. In order to make credit reference to the credit reference organization 13, the printer 7 produces the printing data of the sales for printing the sales check based on the payment information and the printing data of the credit for printing the credit payment check based on the payment information and credit information by reading the credit information, which a credit card 9 has, with an IC card reader/writer 10 or magnetic card reader 11, and both checks 8 are printed altogether based on the produced data by the printer 7. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a POS device for making a payment with a credit card, a printer having a credit payment function, a credit processing terminal, and a POS processing method for making a payment with a credit card using these.

  Conventionally, a POS device 50 as shown in FIG. 9 is used to perform POS (Point of Sales) processing for managing point-of-sale information. The POS device 50 includes a POS terminal 51 for cash settlement and a CAT (Credit Authorization Terminal) terminal 56 which is a credit processing terminal. The POS terminal 51 includes an input device 52 such as a barcode reader that reads information such as a barcode attached to a product, and a processing device that acquires a product name, a price, and the like based on the read information and performs a settlement process. And a printer 55 that issues a sales slip 54, and is used for inventory management and sales management of products.

  In recent years, payment methods have been diversified, and payment by credit card 58 has increased in addition to cash settlement, but along with this, unauthorized use of credit card 58 has also increased. For payment by credit card 58, authentication (credit inquiry) is performed with credit card company 62 each time to prevent unauthorized use. However, in order to further increase security, IC credit cards are being promoted. It has been. Therefore, as shown in Patent Document 1, a CAT terminal 56 that enables transactions using a credit card 58 including a credit card (IC credit card) including an IC such as a CPU or a memory is connected to the POS terminal 51. The processing method is used.

  As shown in Patent Document 2, the CAT terminal 56 can process the credit card 58 alone. By connecting the CAT terminal 56 to the POS terminal 51, it is possible to configure the POS device 50 that can handle various payment methods such as various credit cards 58 and cash payment methods.

Japanese Patent Laid-Open No. 2003-67844 JP-A-11-215255

  However, in the conventional technique of Patent Document 1, the POS terminal 51 that performs sales processing and the CAT terminal 56 that performs credit processing are originally terminals that can be individually processed independently, and the POS terminal 51 and the CAT terminal 56 Are connected, the sales slip 54 must be issued by the printer 55 of the POS terminal 51, and the credit settlement slip 60 must be issued by the printer unit 61 of the CAT terminal 56. Printers that issue slips differ depending on the payment method, which is annoying for the operator.

  In order to solve the above-described problems, an object of the present invention is to provide a POS device, a printer, a credit processing terminal, and a POS processing method that eliminate the redundant installation of printers.

  The POS device of the present invention includes a POS terminal that processes settlement information of sales merchandise and generates sales print data, and a printer that is connected to the POS terminal and has a credit settlement function. The printer performs credit inquiry. An information acquisition mechanism unit that reads credit information possessed by a credit card, a card processing unit that creates credit print data for printing a credit settlement slip based on the settlement information and credit information, and sales print data and credit card print data And a printing mechanism unit for printing a sales slip and a credit settlement slip.

  According to this POS apparatus, it has a POS terminal and a printer, inputs product information such as the price of a product sold by the POS terminal, processes settlement information and generates sales print data, Credit payment is performed by a printer having an information acquisition mechanism unit and a card processing unit that are connected to process a credit card. After the credit settlement, the printer prints the sales slip and the credit settlement slip. In this way, by simply connecting a printer with a credit settlement function to the POS terminal, it becomes possible to perform settlement with a credit card and collective printing of sales slips and credit settlement slips. Therefore, unlike the prior art, both slips can be printed with one printer without using two printers for printing a sales slip and a credit settlement slip, respectively. Further, this POS apparatus does not require the trouble of individually connecting and adjusting a POS terminal, a sales slip printer, a credit processing terminal, a credit settlement slip printer, and the like.

  In this case, when the printer sends and receives payment information and credit information data online to make credit card credit queries, the printer executes the credit query online with a security control unit that encrypts and decrypts the data. And a credit inquiry processing unit.

  According to this configuration, since the credit card credit inquiry is executed by using the encryption by the security control unit and the credit inquiry processing unit of the printer, it is possible to prevent leakage of the settlement information and the credit information. The personal information of the customer is protected, and the customer can purchase the product with a credit card with peace of mind. As encryption and decryption methods, public key cryptography, electronic signature, secret key cryptography, and the like are possible.

  The printer further has a communication interface for connecting a POS terminal. The communication interface can be attached to and detached from the expansion slot of the printer, and can be connected to a POS terminal having different specifications by exchanging the communication interface. It is preferable to make possible.

  According to this configuration, the printer has the expansion slot, and the POS terminal with different specifications can be connected to the printer by exchanging the communication interface mounted in the expansion slot. In this way, it is possible to connect to the POS terminal without changing the main body of the printer itself, and it is easy to improve the function of the POS terminal to a terminal that can process credit cards.

  The POS device of the present invention includes a POS terminal for processing settlement information of sales merchandise and generating sales print data, and a credit processing terminal connected to the POS terminal and having a credit settlement function. Connected to a credit processing terminal, an information acquisition mechanism unit that reads credit information possessed by a credit card to perform credit, a card processing unit that creates credit print data for printing a credit settlement slip based on the settlement information and credit information And a print control unit that controls a printer that prints the sales slip and the credit settlement slip based on the sales print data and the credit card print data.

  According to this POS apparatus, it has a POS terminal, a credit processing terminal, and a printer, and inputs product information such as the price of a product sold by the POS terminal, and processes settlement information and generates sales print data. The credit processing terminal connected to the POS terminal and processing the credit card has a credit processing terminal having the information acquisition mechanism unit and the card processing unit. After the credit settlement, the sales slip and the credit settlement slip are printed by a printer connected to the credit processing terminal. Therefore, unlike the prior art, both slips can be printed with one printer without using two printers for printing a sales slip and a credit settlement slip, respectively. In this way, by connecting the credit processing terminal to the POS terminal and further connecting the printer for printing the sales slip to the credit processing terminal, the printer can collectively print the sales slip and the credit settlement slip. The printer can use a printer that has been connected to a POS terminal and prints a sales slip. Therefore, the POS apparatus can be used by simply connecting a credit processing terminal for processing a credit card to the POS terminal. Often, it is not necessary to change the settings of the POS terminal and printer to support the credit processing terminal.

  In this case, the credit processing terminal transmits / receives payment information and credit information data online to perform credit card credit inquiry and a security control unit that performs data encryption and decryption, and credit inquiry online. And a credit inquiry processing unit to be executed.

  According to this configuration, since the credit card credit inquiry is executed using the encryption by the security control unit and the credit inquiry processing unit of the credit processing terminal, it is possible to prevent the payment information and the credit information from leaking. The personal information of the customer is protected, and the customer can purchase the product with a credit card with peace of mind.

  The credit processing terminal further includes a communication interface for connecting the POS terminal. The communication interface is configured to be detachable from an expansion slot of the credit processing terminal, and the specifications differ depending on the exchange of the communication interface. It is preferable to enable connection with a terminal.

  According to this configuration, the credit processing terminal has an expansion slot, and a POS terminal with a different specification can be connected to the credit processing terminal by exchanging the communication interface mounted in the expansion slot. . In this way, it is possible to connect to the POS terminal without changing the main body of the credit processing terminal itself, and it becomes easy to improve the function of the POS terminal to a terminal capable of processing a credit card.

  The printer of the present invention includes a communication interface for connecting a POS terminal for processing settlement information of sales merchandise and generating sales print data, and an information acquisition mechanism unit for reading credit information held by a credit card for credit inquiry And a security control unit that performs encryption and decryption of data when credit card credit inquiry is performed by transmitting and receiving payment information and credit information data online, and a credit inquiry processing unit that performs credit inquiry online And a card processing unit that creates credit print data for printing a credit settlement slip based on the product information and credit information, and a print that prints the sales slip and the credit settlement slip based on the sales print data and the credit card print data. And a mechanism portion.

  According to this printer, a communication interface for connecting to a POS terminal, an information acquisition mechanism unit for processing a credit card, a security control unit and a credit inquiry processing unit, and a printing mechanism for printing a sales slip and a credit settlement slip Part. Since the printer has a communication interface, settlement information such as the price of the sold product input from the POS terminal and credit card credit information processed by the printer can be transmitted and received. Therefore, after payment by credit card, the sales mechanism based on the information from the POS terminal and the credit settlement slip based on the information from the printer are collectively printed by the printing mechanism unit without being printed on each individual printer as in the prior art. It becomes possible to print. Further, credit card credit inquiry is executed using encryption, and it is possible to prevent leakage of settlement information and credit information.

  The credit processing terminal of the present invention is a communication interface for connecting a POS terminal for processing settlement information of sales merchandise and generating sales print data, and information acquisition for reading credit information held by a credit card for credit inquiry Organizational part, security control part that performs encryption and decryption of data when credit card credit inquiry is performed by sending and receiving product information and credit information data online, and credit inquiry that executes credit inquiry online A processing unit, a card processing unit for creating credit print data for printing a credit settlement slip based on the settlement information and credit information, and a sales slip and a credit settlement slip based on the sales print data and the credit card print data A print control unit for controlling the printer And it features.

  According to this credit processing terminal, a communication interface for connecting to a POS terminal, a print control unit for connecting a printer, an information acquisition mechanism unit for processing a credit card, a security control unit, a credit inquiry processing unit And have. Since the credit processing terminal has a communication interface, settlement information such as sold product prices input from the POS terminal and credit card credit information processed by the credit processing terminal can be transmitted to and received from each other. Therefore, after settlement by credit card, the sales slip based on the information from the POS terminal and the credit settlement slip based on the information from the credit processing terminal are connected to the credit processing terminal without printing with an individual printer as in the prior art. It is possible to print all at once by a printer. Further, credit card credit inquiry is executed using encryption, and it is possible to prevent leakage of settlement information and credit information.

  According to the POS processing method of the present invention, product information including the price of a product for sale is input, an input step for processing settlement information and generating sales print data, and reading credit information of a credit card for credit inquiry. Information acquisition step, inquiry step for online credit card credit inquiry by sending and receiving payment information and credit information encrypted and decrypted, credit for printing credit payment slip based on payment information and credit information A print data creation step for creating print data, and a print step for printing a sales slip and a credit settlement slip based on the sales print data and the credit card print data.

  According to this POS processing method, in the print data creation step, the print data of the sales slip and the credit settlement slip is batched from the product information input in the input step and the credit card credit information read in the information acquisition step. And create. Both slips are printed at once in the printing step based on the created print data. In this way, it is possible to save the trouble of printing the sales slip and the credit settlement slip with individual printers as in the conventional case. Furthermore, in the inquiry step, the credit card credit inquiry is executed using encryption, so that the leakage of the merchandise information and the credit information can be prevented.

DESCRIPTION OF EXEMPLARY EMBODIMENTS Hereinafter, embodiments of the invention will be described with reference to the drawings. The POS device according to the embodiment can cope with cash and credit card settlement by connecting a printer or credit processing terminal having a credit card settlement function to a cash settlement POS terminal that has been used conventionally. is there. The POS device also conforms to a new specification such as EMV which is a standard of an IC credit card which is a kind of credit card.
(Embodiment 1)

  FIG. 1 is a schematic diagram illustrating a POS device according to the first embodiment. The POS device 1 has a POS terminal 2 for cash settlement. The POS terminal 2 includes a barcode reader 3 that reads information on a barcode attached to a product, a keyboard 4 for input operation, and a display unit 5 that displays input contents. The POS terminal 2 acquires a product name, a price, and the like based on information read from the barcode reader 3, and performs a settlement process. The POS terminal 2 is connected to a host computer 6 capable of managing information from a plurality of POS terminals 2 and performing centralized point-of-sale management.

  The POS device 1 also has a printer 7 connected to the POS terminal 2. The printer 7 prints the slip 8. The slip 8 to be printed is the cash settlement sales slip 54 shown in FIG. 9 printed with the product name, price, etc. and the credit settlement contents in the case of credit settlement. 9 is a credit settlement slip 60 shown in FIG. The printer 7 further has a credit settlement function using the credit card 9 and a credit inquiry function regarding the credit card 9.

  The credit card 9 that can be supported by the printer 7 is an IC credit card that can be read and written by contact (terminal connection) or non-contact (wireless communication) and a read-only magnetic credit card (a credit card with a magnetic stripe). Therefore, the printer 7 includes an IC card reading / writing mechanism unit 10 for supporting an IC credit card and a magnetic card reading mechanism unit 11 for supporting a magnetic credit card as information acquisition mechanism units 14.

  A pin pad 12 is connected to the printer 7 via a cable to allow a customer to input a password set in advance for customer confirmation when making a credit card payment. Further, for the so-called credit inquiry for checking the validity of the credit card 9 by checking the credit information such as the validity period of the credit card 9, the past use history, the presence / absence of trouble, and whether it is a counterfeit product, The credit inquiry organization 13 is connected online.

  The credit inquiry organization 13 is entrusted by a credit card company or a financial institution that is independently operated by a credit card company or a financial institution that issued the credit card 9, and performs a credit inquiry as a proxy for each of them. Information processing centers. In general, an agency such as an information processing center makes a credit inquiry.

  Next, the configuration of the POS device 1 will be described in more detail. FIG. 2 is a block diagram showing the configuration of the POS device. The POS device 1 includes a POS terminal 2, a printer 7, and a pin pad 12. The printer 7 includes a control unit 15 for controlling connection with the POS terminal 2, the pin pad 12, and the credit inquiry organization 13 and controlling each mechanism unit of the printer 7.

  The control unit 15 includes a communication interface 16 for connecting the printer 7 to the POS terminal 2 and the pin pad 12, and a credit inquiry processing unit 17 for connecting to the credit inquiry organization 13 for online communication. When performing online communication with the credit inquiry organization 13 via the credit inquiry processing unit 17, the card issuance is performed in order to encrypt the credit information and decrypt the encrypted credit information for the purpose of preventing leakage of the credit information. It has a security control unit 19 that controls a security module 18 that stores an encryption and decryption key corresponding to each original credit card 9.

  Also, an IC card control unit 20 for controlling the IC card reading / writing mechanism unit 10 for reading information from an IC credit card which is a kind of the credit card 9 and writing information to the IC credit card; And a magnetic card control unit 21 for controlling the magnetic card reading mechanism unit 11 for reading information from the magnetic card. When communicating with the IC credit card, as in the case of online communication with the credit inquiry organization 13, the IC credit card has an encryption processing function corresponding to the IC credit card through the IC card read / write mechanism unit 10. Communication by encryption is performed between the IC credit card and the IC card control unit 20.

  Then, a print control unit 23 that controls the printing mechanism unit 22 that prints the slip 8, a RAM (Random Access Memory) 24 that temporarily stores print data from the POS terminal 2, and settlement by the credit card 9. A flash ROM (Read Only Memory) 25 that stores applications for processing and the like, and a CPU (Central Processing Unit) 29 that controls the printer 7 in accordance with the applications stored in the flash ROM 25 and the like.

  The flash ROM 25 includes a credit transaction record file 26 that temporarily stores a history of payment information by IC credit card, a download data file 27 that stores download data distributed from the credit inquiry organization 13, and credit processing. And an application file 28 for storing an application for executing the above. Further, although not shown in FIG. 2, the flash ROM 25 stores a boot area which is a collection of minimum programs necessary for initialization of the printer 7 when the power is turned on, and a firmware program for controlling the printer 7. And a data area for storing fonts of characters to be printed. The flash ROM 25 is a non-volatile memory that can freely rewrite the stored contents and can retain the stored contents even when the power is turned off.

  The CPU 29 selects an application for making a payment with the credit card 9 from the application file 28 of the flash ROM 25 and executes it, and a payment process using a magnetic credit card based on the selected application. Functions as a magnetic card processing unit (card processing unit) 31 that performs a payment process and an IC card processing unit (card processing unit) 32 that performs a settlement process using an IC credit card, and controls the printer 7.

  These communication interface 16, credit inquiry processing unit 17, security control unit 19, IC card control unit 20, magnetic card control unit 21, print control unit 23, RAM 24, flash ROM 25, and CPU 29 are connected to each other via a bus 33. ing.

  In this POS device 1, the communication interface 16 is an interface connected to the host computer 6 via the POS terminal 2, and is attached to the expansion slot (not shown) of the printer 7 so as to be removable. 15 functions. The communication interface 16 has a connector portion for connecting to the POS terminal 2, the printer 7, and the pin pad 12. The connector unit is compatible with serial data transfer such as RS-232 standard, parallel data transfer such as Centronics standard, network connection such as Ethernet (registered trademark) 10Base-T and 100Base-T, and data transfer standard such as USB. Can be adopted. In addition, a CPU, a ROM, and a RAM are provided in order to function as an interface in accordance with each connected device.

  Further, since the communication interface 16 can temporarily store the print data from the POS terminal 2 in the buffer area of the RAM 24 and transmit the print data to the RAM 24 according to the empty state of the RAM 24 of the printer 7, a large amount of data can be transmitted. Even data can be transmitted from the POS terminal 2 to the printer 7 smoothly and at high speed.

  Furthermore, when the TTL (Transistor Transistor Logic) of the POS terminal 2 and the printer 7 are different in driving voltage such as CMOS, it is possible to easily convert the signal level by providing a driver circuit for converting the driving voltage level. It is. A program for causing such an interface function to function is stored in the ROM of the communication interface 16, and the CPU functions as an interface when the program is executed. Therefore, by attaching the communication interface 16 to the printer 7, it is possible to connect various POS terminals 2 to the printer 7 without changing the apparatus of the printer 7 body.

  The credit settlement method by the POS device 1 as described above will be described based on a flowchart. First, a settlement processing method performed by the POS terminal 2 of the POS device 1 will be described. FIG. 3 is a flowchart showing the settlement processing at the POS terminal. In the flowchart, the sales slip is described as a cash payment receipt, and the credit settlement slip is described as a credit payment receipt.

  In step S <b> 1, the product code is input by the barcode reader 3 from the barcode tag attached to the sold product, and the product name and the product price are read by the POS terminal 2. When the bar code tag is not used, the product code is input from the keyboard 4 by the operator. After the input, the process proceeds to step S2.

  In step S2, it is determined whether or not an input indicating that the customer's payment (settlement) method is cash payment is received. Input is performed from the keyboard 4 by the operator. If the input result is cash payment, the process proceeds to step S3. If the input result is payment by credit card 9 instead of cash payment, the process proceeds to step S4.

  In step S3, it is determined whether or not an input for ending cash payment processing has been received. Input is performed from the keyboard 4 by the operator. If the process has not been completed, the process waits for completion in step S3, while if completed, the process proceeds to step S4.

  In step S4, the payment method and payment amount data are transmitted to the printer 7. After the transmission, the process proceeds to step S5.

  In step S5, it is determined whether or not to create data for printing a cash payment receipt (sales slip). If the payment method is cash, the process proceeds to step S6. On the other hand, if the payment method is not the cash payment but the credit card 9, the process proceeds to step S7.

  Next, in step S6, since the payment is cash, sales print data for printing a receipt for cash payment is created and transmitted to the printer 7. After transmission, the flow ends.

  In step S 7, since the payment method is payment by the credit card 9, it is determined whether or not a notification that the credit payment processing by the printer 7 has been completed is received from the printer 7. The notification includes data related to payment by the credit card 9. This data includes the issuing card company of the credit card 9, the card number, the presence / absence of installment payment, and the like. If a notification has not been received, the process waits in step S7 until it is received, and if received, the process proceeds to step S8.

  In step S <b> 8, upon receiving a notice of completion of payment processing by the credit card 9, credit print data for printing a receipt for credit payment (credit settlement slip) is created and transmitted to the printer 7. The print data is created based on data relating to payment by the credit card 9 that is transmitted together with the payment processing completion notification. After sending the print data, the flow ends.

  Next, processing executed by the printer 7 in response to the payment processing of the POS terminal 2 will be described based on a flowchart. FIG. 4 is a flowchart showing credit processing and receipt printing processing by the printer.

  First, in step S10, the application selection execution unit 30 determines whether or not the payment method and the amount data are received from the POS terminal 2. The corresponding data is data that the POS terminal 2 transmits to the printer 7 in step S4. If not received, it waits for reception in step S10, and if received, it proceeds to step S11.

  In step S11, the application selection execution unit 30 determines whether or not the payment method based on the data received in step S10 is payment by the credit card 9. If the payment is by credit card 9, the process proceeds to step S12. On the other hand, if the payment is by cash instead of the payment by credit card 9, the process proceeds to step S13.

  Next, in step S <b> 12, it is determined whether or not the credit card 9 has been inserted into the information acquisition mechanism unit 14 for payment by the credit card 9. When the credit card 9 is inserted, if the credit card 9 is an IC credit card, the IC card control unit 20 detects that it is an IC credit card via the IC card read / write mechanism unit 10. Similarly, if the credit card 9 is a magnetic credit card, the magnetic card control unit 21 detects that it is a magnetic credit card via the magnetic card reading mechanism unit 11. If the credit card 9 is not inserted, the process waits for the credit card 9 to be inserted in step S12, while if the insertion of the credit card 9 is confirmed, the process proceeds to step S14.

  In step S13, payment is made in cash, and the application selection execution unit 30 determines whether or not sales print data for printing a cash payment receipt is received from the POS terminal 2. The corresponding data is data that the POS terminal 2 transmits to the printer 7 in step S6. If not received, it waits for reception in step S13, and if received, it proceeds to step S15.

  In step S <b> 15, in response to the reception determination by the application selection execution unit 30, the print control unit 23 controls the printing mechanism unit 22 to print a cash payment receipt. The payment process with cash is completed by executing the printing, and the flow ends.

  In the case of payment by the credit card 9, an application corresponding to the credit card 9 inserted into the information acquisition mechanism unit 14 is selected in step S14. Specifically, the application selection execution unit 30 receives the detection result of the credit card 9 by the information acquisition mechanism unit 14, selects the corresponding application from the application file 28 of the flash ROM 25, and stores it in the RAM 24. After saving, the process proceeds to step S16.

  In step S16, the application selection execution unit 30 determines whether or not the credit card 9 is an IC credit card in order to select the next step depending on the type of the credit card 9 that has already been identified. If it is an IC credit card, the process proceeds to step S17, while if it is not an IC credit card but a magnetic credit card, the process proceeds to step S18.

  Next, in step S17, the application selection execution unit 30, the IC card processing unit 32, the IC card control unit 20, and the credit inquiry processing unit 17 execute a payment process using an IC credit card. Details of the processing will be described later with reference to FIG. After executing the payment process, the process proceeds to step S19.

  In step S18, the application selection execution unit 30, the magnetic card processing unit 31, the magnetic card control unit 21, and the credit inquiry processing unit 17 execute a payment process using a magnetic credit card. Details of the processing will be described later with reference to FIG. After executing the payment process, the process proceeds to step S19.

  In step S <b> 19, the application selection execution unit 30 transmits a notification of completion of the payment process by the credit card 9 to the POS terminal 2. At this time, payment processing data is also transmitted. This data is received by the POS terminal 2 in step S7 already described. After the transmission, the process proceeds to step S20.

  In step S <b> 20, the application selection execution unit 30 determines whether or not credit print data for printing a credit payment receipt is received from the POS terminal 2. The print data is transmitted by the POS terminal 2 in step S8. If print data has not been received, reception is awaited in step S20. If print data has been received, the process proceeds to step S21.

  In step S21, the printing control unit 23 controls the printing mechanism unit 22 to print a credit payment receipt. Thus, the payment process using the credit card 9 is completed, and the flow ends.

  Next, the payment process with the IC credit card in step S17 will be described in detail. FIG. 5 is a flowchart showing details of the settlement process with the IC credit card. In step S30, the IC card read / write mechanism unit 10 reads card-specific data from the IC of the IC credit card. The unique data includes an issuing card company, a card number, an expiration date, a limit amount of use, whether or not installment payment is possible, and past settlement history. After reading the data, the process proceeds to step S31.

  In step S31, the IC card processing unit 32 determines whether the IC credit card can be settled based on the data read from the IC credit card. If settlement is not possible, the process proceeds to step S32. On the other hand, if settlement is possible, the process proceeds to step S33. If the IC card processing unit 32 is an unsupported IC credit card, if the IC credit card has expired, the IC credit card is not supported. This is the case when a payment method is selected or a counterfeit IC credit card.

  If it is determined that payment is not possible, in step S32, the transaction (settlement) is stopped and the flow is terminated.

  If it is determined that payment is possible, in step S33, the IC card processing unit 32 determines whether or not the password has been input by the customer. If it has not been input, input is waited in step S33, and if it has been input, the process proceeds to step S34.

  In step S34, the IC card processing unit 32 determines whether or not the input password is correct. In this case, the personal identification number is stored in the IC of the IC credit card. If the result of verification is incorrect, the process proceeds to step S32. On the other hand, if correct, the process proceeds to step S35.

  In step S35, the IC card processing unit 32 determines whether or not online credit inquiry is necessary. If it is determined that it is necessary, the process proceeds to step S36. If it is determined that it is not necessary, the process proceeds to step S37. When it is determined that credit inquiry is necessary, when the setting by the application is necessary, and when the offline inquiry that does not perform the credit inquiry by the credit inquiry organization 13 continues, the settlement amount is the usage limit amount. This is the case when there is a suspicious point in the settlement history.

  An IC credit card has an application that can perform payment processing, encryption communication processing, storage of payment contents, etc., just like a computer, and so-called offline without using online credit inquiry like a magnetic credit card. It is also possible to settle by. When the offline settlement is continued, it is determined that the settlement through the online credit inquiry is necessary. The settlement history of the IC credit card is stored in the IC of the IC credit card. By making a credit inquiry online, it is possible to collate past settlements offline and check whether there are any suspicious points.

  The credit transaction record file 26 of the printer 7 stores an IC credit card settlement history by the printer 7. In the download data file 27, for example, data such as a pin bypass process for setting an action that can be settled for a predetermined period without a password and an IC credit card number that has been illegally used are transmitted from the credit inquiry organization 13 and stored. ing. If these files and the IC credit card are collated, the suspicious point can be checked.

  When a credit inquiry is required, a credit inquiry is made to the credit inquiry organization 13 via the credit inquiry processing unit 17 in step S36. In the credit inquiry, data transmitted / received online is encrypted by the security control unit 19 so as to prevent leakage to the outside, and includes matters that are determined to require the credit inquiry in step S35. An inquiry is made. After the inquiry process, the process proceeds to step S38.

  In step S <b> 38, the IC card processing unit 32 determines whether or not the IC credit card is determined to be a settleable card. Judgment is made based on the result of the credit inquiry. If it is not determined that payment is possible, the process proceeds to step S32. On the other hand, if it is determined that payment is possible, the process proceeds to step S39.

  In step S39, payment processing with an IC credit card is executed online. After execution, the process proceeds to step S40.

  If it is determined in step S35 that no credit inquiry is required online, in step S37, payment processing with an IC credit card is executed offline. After execution, the process proceeds to step S40.

  In step S <b> 40, the IC card read / write mechanism unit 10 writes the payment result to the IC of the IC credit card in accordance with an instruction from the IC card control unit 20. The current product purchase is stored in the IC credit card as a settlement history, and the flow ends.

  Next, the payment process with a magnetic credit card in step S18 will be described. Unlike IC credit cards, magnetic credit cards are read-only and cannot store settlement results. FIG. 6 is a flowchart showing details of the settlement process using a magnetic credit card. In step S50, the magnetic card reading mechanism unit 11 reads data unique to the card from the magnetic band storing the information of the magnetic credit card. The unique data includes an issuing card company, a card number, an expiration date, a limit amount for use, and the like, and there is no settlement history compared to an IC credit card and is extremely small. After reading the data, the process proceeds to step S51.

  In step S51, the magnetic card processing unit 31 determines whether or not the magnetic credit card can be settled based on the data read from the magnetic credit card. If settlement is not possible, the process proceeds to step S52. If settlement is possible, the process proceeds to step S53. The case where it is determined that payment is not possible in step S51 includes the case where the magnetic card processing unit 31 is an unsupported magnetic credit card, the case where the magnetic credit card has expired, the case where it is a forged magnetic credit card, etc. It is.

  If it is determined that settlement is not possible, the transaction is stopped and the flow is terminated in step S52.

  If it is determined that settlement is possible, a credit inquiry is made to the credit inquiry organization 13 via the credit inquiry processing unit 17 in step S53. In the credit inquiry, data transmitted / received online is encrypted by the security control unit 19 to prevent leakage to the outside, and the inquiry is made based on the unique data of the magnetic credit card. After the inquiry process, the process proceeds to step S54.

  In step S54, the magnetic card processing unit 31 determines whether or not it is determined that the magnetic credit card is a card that can be settled. Judgment is made based on the result of the credit inquiry. If it is not determined that payment is possible, the process proceeds to step S52. If it is determined that payment is possible, the process proceeds to step S55.

  In step S55, a payment process using a magnetic credit card is executed. After execution, the flow ends.

  Step S1 corresponds to the input step, steps S30 and S50 correspond to the information acquisition step, steps S6 and S8 correspond to the print data creation step, and steps S15 and S21 correspond to the print step.

  In the above, Embodiment 1 which actualized this invention was demonstrated. The effect of Embodiment 1 is described collectively.

  (1) The POS device 1 according to the present invention can print the sales slip 54 in cash as in the prior art simply by connecting the POS terminal 2 with the printer 7 having the information acquisition mechanism 14 for exchanging information with the credit card 9. The printer 55 of the settlement POS terminal 51 and the credit settlement slip 60 are not printed by the printer 61 of the CAT terminal 56, but both slips can be printed by the single printer 7. Therefore, the POS apparatus 1 can eliminate the redundant installation of the printers 55 and 61 and can reduce the installation place in total.

  (2) Further, the POS device 1 can use the POS terminal 51 for cash settlement that has been used conventionally as the POS terminal 2 as it is. The function of the POS terminal 51 can be easily improved by simply connecting the printer 7 having the information acquisition mechanism unit 14 to the POS terminal 2 anew.

  (3) Credit inquiry of the credit card 9 by the credit inquiry processing unit 17 of the printer 7 is executed using encryption, and leakage of product information and credit information can be prevented. The personal information of the customer is protected, and the customer can make a purchase with the credit card 9 with peace of mind.

(4) The printer 7 can exchange the communication interface 16 and can connect to the POS terminal 2 having different specifications by selecting an appropriate communication interface 16. In this way, it is possible to connect to various POS terminals 2 without changing the main body of the printer 7 itself, and it is easy to improve the function of the POS terminal 51 for cash settlement to a terminal that can process the credit card 9. .
(Embodiment 2)

  Next, a POS device 1 using a credit processing terminal will be described as Embodiment 2 of the present invention. In the following description, overlapping with the description of the first embodiment will be avoided, and different parts will be mainly described.

  FIG. 7 is a schematic diagram illustrating the POS device according to the second embodiment. The POS device 1 has a POS terminal 2 for cash settlement, and is connected to a host computer 6 that can manage information from a plurality of POS terminals 2 and centrally manage point of sale. The POS device 1 has a credit processing terminal 35 connected to the POS terminal 2. The credit cards 9 that can be handled by the credit processing terminal 35 are an IC credit card and a magnetic credit card, and the credit processing terminal 35 is an IC card reading / writing mechanism for supporting an IC credit card as the information acquisition mechanism unit 14. Unit 10 and a magnetic card reading mechanism unit 11 for accommodating a magnetic credit card.

  The credit processing terminal 35 further has a credit settlement function using the credit card 9, a function for making an online inquiry with the credit inquiry organization 13 regarding the credit card 9, and a pin pad 12 for inputting a personal identification number. . The credit processing terminal 35 is connected to a printer 36 for printing the slip 8. The functions executed by the credit processing terminal 35 and the printer 36 connected to the credit processing terminal 35 are the same as those in the first embodiment. The function is the same as that executed by the printer 7 having the information acquisition mechanism unit 14. In other words, a receipt for cash payment (sales slip) and a receipt for credit payment (credit settlement slip) can be collectively printed by the printer 36.

  Next, the configuration of the POS device 1 will be briefly described. FIG. 8 is a block diagram showing the configuration of the POS device. The POS device 1 includes a POS terminal 2, a credit processing terminal 35, and a printer 36. The credit processing terminal 35 includes a control unit 37 for controlling connection with the POS terminal 2, the credit inquiry organization 13, and the printer 36 and for controlling each mechanism unit of the credit processing terminal 35.

  The control unit 37 controls the communication interface 38 for connecting the POS terminal 2, the credit inquiry processing unit 17, the security control unit 19 that controls the security module 18, and the IC card read / write mechanism unit 10. IC card control unit 20, magnetic card control unit 21 that controls magnetic card reading mechanism unit 11, print control unit 23 that controls printer 36, RAM 24, flash ROM 25, and CPU 29.

  These communication interface 38, credit inquiry processing unit 17, security control unit 19, IC card control unit 20, magnetic card control unit 21, print control unit 23, RAM 24, flash ROM 25, and CPU 29 are connected to each other via a bus 39. ing.

  In such a configuration of the credit processing terminal 35, the description will be made in comparison with the printer 7 of the first embodiment shown in FIG. 2. The pin pad 12 connected to the printer 7 as an external terminal is connected to the credit processing terminal 35 in the credit processing. The terminal 35 is built in. Further, the printing mechanism unit 22 of the printer 7 has a configuration in which the printer 36 connected to the credit processing terminal 35 as an external device corresponds to the credit processing terminal 35.

  In the POS device 1, the communication interface 38 is an interface connected to the host computer 6 via the POS terminal 2, and is attached to the expansion slot (not shown) of the credit processing terminal 35 in a detachable configuration. , Function as one function of the control unit 37. That is, it performs the same function as the communication interface 16 of the printer 7 in the first embodiment. Therefore, by attaching the communication interface 38 to the credit processing terminal 35, it is possible to connect various POS terminals 2 and printers 36 to the credit processing terminal 35 without changing the device of the credit processing terminal 35 main body. Become.

  Hereinafter, the effect of Embodiment 2 is described collectively.

  (1) The POS device 1 according to the present invention simply prints the sales slip 54 of the cash settlement POS terminal 51 by connecting the credit processing terminal 35 having the information acquisition mechanism unit 14 to the POS terminal 2. This is not performed by the printer 55 and the credit settlement slip 60 is printed by the printer 61 of the CAT terminal 56, but both slips can be printed by the single printer 36.

  (2) Further, the POS device 1 can use the POS terminal 51 for cash settlement that has been used conventionally as the POS terminal 2 as it is, and the printer 55 connected to the POS terminal 51 can also be used as it is. By simply connecting the credit processing terminal 35 to the POS terminal 2, it is possible to easily improve the function of the POS terminal 51.

  (3) The credit processing terminal 35 can exchange the communication interface 38, and by selecting an appropriate communication interface 38, not only a specific POS terminal 2 but also a POS terminal 2 having a different specification can be connected. is there. The same applies to the printer 36. In this way, it is possible to connect to various POS terminals 2 and printers 36 without changing the main body of the credit processing terminal 35 itself. Therefore, it is easy to improve the function of the POS terminal 51 for cash settlement to a terminal that can process the credit card 9.

  In addition, the present invention is not limited to the above-described embodiment, and the following modifications can be given.

  (Modification 1) The POS device 1 may further have a payment function such as a check or a debit card in addition to the payment function of cash and credit card 9 in the printer 7 or the credit processing terminal 35. The POS device 1 can cope with more various payments, and it is possible to increase a new customer group using checks, debit cards and the like for the store. Even in this case, printing of various slips 8 can be handled by a single printer.

  (Modification 2) Although the pin pad 12 is cable-connected to the printer 7, the pin pad 12 may be integrated with the printer 7 like the credit processing terminal 35. Thereby, the installation area of the POS device 1 can be further reduced.

  (Modification 3) In steps S12, 14, and 16, the IC card control unit 20 or the magnetic card control unit 21 determines and advances the flow, but the operator confirms and determines the credit card 9 to determine the keyboard 4 It is also possible to input from the above. In this method, the credit card 9 can be processed while performing a confirmation dialogue with the customer, and security can be further enhanced.

  (Modification 4) The personal identification number verified in step S34 is not a method of comparing the personal identification number input from the pin pad 12 with the personal identification number stored in the IC credit card, but the personal identification number input from the pin pad 12. A method may be used in which the information is transmitted to the credit inquiry organization 13 online and compared with the password of the corresponding IC credit card stored in the credit inquiry organization 13. In this method, since it is not necessary to store a personal identification number in the IC credit card, the security against theft or skimming of the IC credit card can be greatly improved.

  (Variation 5) Even if it is determined in step S35 that online credit inquiry is unnecessary, the credit inquiry may be made by changing it as necessary at the operator's discretion. Since the operator's judgment can be taken into account in addition to the judgment based on the settlement history stored in the IC credit card, the security can be further improved.

  (Modification 6) The POS terminal 2 of the POS device 1 is not limited to the conventional POS terminal 51 for cash settlement, but may be a conventional POS terminal capable of cash settlement and magnetic credit card settlement. This makes it possible to improve the functions of various conventional POS terminals to the POS terminal 2 compatible with IC credit cards.

1 is a schematic diagram illustrating a POS device according to a first embodiment. The block diagram which shows the structure of a POS apparatus. The flowchart which shows the payment process in a POS terminal. 6 is a flowchart illustrating credit processing and receipt printing processing by a printer. The flowchart which shows the detail of the payment process with an IC credit card. The flowchart which shows the detail of the payment process in a magnetic credit card. FIG. 3 is a schematic diagram illustrating a POS device according to a second embodiment. The block diagram which shows the structure of a POS apparatus. The schematic diagram which shows the conventional POS apparatus.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... POS apparatus, 2 ... POS terminal, 7 ... Printer, 8 ... Slip, 9 ... Credit card, 10 ... IC card reading / writing mechanism part, 11 ... Magnetic card reading mechanism part, 12 ... Pin pad, 13 ... Credit inquiry Institution, 14 ... Information acquisition mechanism unit, 15 ... Control unit, 16 ... Communication interface, 17 ... Credit inquiry processing unit, 19 ... Security control unit, 20 ... IC card control unit, 21 ... Magnetic card control unit, 22 ... Printing mechanism , 23 ... Print control unit, 24 ... RAM, 25 ... Flash ROM, 26 ... Credit transaction record file, 27 ... Download data file, 28 ... Application file, 29 ... CPU, 30 ... Application selection execution unit, 31 ... Card processing Magnetic card processing unit as a unit, 32... IC card processing unit as a card processing unit, 35. End, 36 ... printer, 37 ... control unit, 38 ... communication interface.

Claims (9)

A POS terminal for processing settlement information of sales merchandise and generating sales print data; and a printer connected to the POS terminal and having a credit settlement function,
The printer includes an information acquisition mechanism unit that reads credit information of a credit card;
A card processing unit that creates credit print data based on the payment information and the credit information;
A POS device, comprising: a printing mechanism unit that prints the sales slip and the credit settlement slip based on the sales print data and the credit card print data. The POS device according to claim 1,
A security control unit that performs encryption and decryption of the data when the credit card credit inquiry is performed by transmitting and receiving the payment information and the credit information data online;
And a credit inquiry processing unit that executes the credit inquiry online. The POS device according to claim 1 or 2,
The printer further includes a communication interface for connecting the POS terminal,
The POS device, wherein the communication interface is detachable from an expansion slot of the printer, and enables connection with a POS terminal having different specifications by exchanging the communication interface. A POS terminal for processing settlement information of sales merchandise and generating sales print data; and a credit processing terminal connected to the POS terminal and having a credit settlement function,
The credit processing terminal includes an information acquisition mechanism unit that reads credit information of a credit card;
A card processing unit that creates credit print data based on the payment information and the credit information;
And a print control unit that is connected to the credit processing terminal and controls a printer that prints the sales slip and the credit settlement slip based on the sales print data and the credit card print data. The POS device according to claim 4,
The credit processing terminal transmits and receives data of the payment information and the credit information online, and executes the encryption and decryption of the data when performing credit inquiry of the credit card; and
And a credit inquiry processing unit that executes the credit inquiry online. The POS device according to claim 4 or 5,
The credit processing terminal further includes a communication interface for connecting the POS terminal,
The POS device, wherein the communication interface is detachable from an expansion slot of the credit processing terminal, and enables connection with a POS terminal having different specifications by exchanging the communication interface. A communication interface for connecting a POS terminal for processing the settlement information of the merchandise for sale and generating sales print data;
An information acquisition mechanism unit that reads credit information of the credit card to make a credit inquiry;
A security control unit that performs encryption and decryption of the data when sending and receiving data of the payment information and the credit information online to make the credit inquiry of the credit card;
A credit inquiry processing unit for executing the credit inquiry online;
A card processing unit for creating credit print data for printing a credit settlement slip based on the product information and the credit information;
A printer comprising: a printing mechanism unit that prints the sales slip and the credit settlement slip based on the sales print data and the credit card print data. A communication interface for connecting a POS terminal for processing the settlement information of the merchandise for sale and generating sales print data;
An information acquisition mechanism unit that reads credit information of the credit card to make a credit inquiry;
A security control unit that performs encryption and decryption of the data when sending and receiving data of the payment information and the credit information online to make the credit inquiry of the credit card;
A credit inquiry processing unit for executing the credit inquiry online;
A card processing unit for creating credit print data for printing a credit settlement slip based on the product information and the credit information;
A credit processing terminal, comprising: a print control unit that controls a printer that prints the sales slip and the credit settlement slip based on the sales print data and the credit card print data. An input step for inputting product information including the price of the sales product, processing settlement information and generating sales print data,
An information acquisition step of reading credit information possessed by the credit card to make a credit inquiry;
An inquiry step for performing credit inquiry of the credit card online by transmitting and receiving the payment information and the credit information by encryption and decryption;
A print data creation step for creating credit print data for printing a credit settlement slip based on the settlement information and the credit information;
And a printing step of printing the sales slip and the credit settlement slip based on the sales print data and the credit card print data.

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