JP2014006637A - Credit processing apparatus and program therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To issue a credit slip on which requirements are printed off-line, the requirements being data for off-line slip issuance created off-line, when communication credit processing are disabled.SOLUTION: A credit processing apparatus communicates card storage data read from a credit card and credit processing data created from key input data with a credit company via a communication line to perform credit processing. When the communication with the credit company is not normal, the credit processing apparatus issues a credit slip with a signature entry column of the credit slip being filled out, and when the communication is normal, issues a credit slip without a signature entry column of the credit slip.

Description

  Embodiments described herein relate generally to a credit processing apparatus that performs credit processing via communication.

  There is a credit processing that can issue a credit slip in which offline slip issuance data created offline is printed when communication credit processing is impossible.

  However, an off-line credit settlement requires a user's signature. In order to obtain this signature, there is a problem that it is necessary to prepare an accounting processing slip including product data such as product name and unit price, calculation of total amount, etc. and another slip provided with a credit user signature column. there were.

JP-A-8-329344

  The problem to be solved by the present invention is to provide a credit processing apparatus and its program that can obtain corresponding accounting processing slip output when communication credit processing is possible and when communication credit processing is impossible. .

  The credit processing apparatus according to the embodiment performs communication credit processing by communicating credit processing data created from card storage data read from a credit card and key input data with a credit company via a communication line. If the communication with the credit company is not normal, the processing device issues a credit slip with a signature entry field, and if the communication is normal, issues a credit slip without a signature entry field. .

It is a notional block diagram which shows one Embodiment concerning a credit processing apparatus. It is a conceptual system block diagram of the whole credit processing. It is a flowchart for demonstrating the credit processing procedure in case online processing is impossible by a failure of communication. It is a flowchart for demonstrating the credit processing procedure in case online processing is impossible by a failure of communication. It is explanatory drawing for demonstrating a tablet terminal display and a POS display. (A) is an example of a credit slip with a signature field, and (b) is an explanatory diagram for explaining an example of a credit slip without a signature field.

  Hereinafter, embodiments will be described in detail with reference to the drawings.

(Embodiment)
1 to 6 show an embodiment of a credit processing apparatus. FIG. 1 is a conceptual block diagram. FIG. 2 shows a conceptual system configuration diagram of the entire credit processing. 3 and 4 are flowcharts for explaining the operation of FIG. FIG. 5 is an explanatory diagram for explaining the tablet terminal display and the POS display. 6A is an explanatory diagram for explaining an example of a credit slip with a signature field, and FIG. 6B is an explanatory diagram for explaining an example of a credit slip without a signature field.

  In this credit processing apparatus, as shown in FIG. 2, a plurality of POS (Point Of Sales) terminals 10 a to 10 n and a host device 30 are connected by a communication line 1. Further, the host machine 30 and a host computer 40 installed in a credit company, for example, are connected by the communication line 2.

  Each POS terminal 10a to 10n is connected to the host device 30 via the data communication line 1. Each POS terminal 10a to 10n registers a product while obtaining product data such as a product name and a unit price from a master product file in the host device 30 or a product file in its own device. After the product registration is completed for all the products purchased by the customer, an accounting process including calculation of the total amount is executed.

  As a payment method for executing the accounting process, there is a payment by a prepaid card or a credit card in addition to cash, and one or a plurality of payment methods are selected. Therefore, in addition to being constructed as an independent unit, the credit processing apparatus is often built and built in each POS terminal 10a to 10n.

  Each POS terminal 10a to 10n has the configuration of the POS terminal 10 shown in FIG. The POS terminal 10 is provided with an off-line process declaration means (16d), off-line slip issuing data creation means (11, 12), and off-line print issuance control means (11, 12). Each POS terminal 10a-10n takes in credit processing data such as read data and input data. Then, in accordance with the execution command, communication credit processing is performed while inquiring to the host computer 40 in the credit company via the data communication line 1, the host device 30, and the data communication line 2.

  Each of the POS terminals 10a to 10n is configured to issue a printed credit slip based on offline slip issuing data created offline when communication credit processing is impossible.

  The POS terminal 10 shown in FIG. 1 representing the POS terminals 10 a to 10 n forms a control unit from the CPU 11, ROM 12, and RAM 13. The handy type scanner 15 connected via the scanner circuit 15c and the keyboard 16 connected via the keyboard circuit 16c form data input means.

  The POS terminal 10 is connected to a cashier display 17HR and a customer display 17ST via a display circuit 17c. A printer 18 that prints and issues a slip is connected via the printer circuit 18c. A drawer automatic opening device 19 for automatically opening the cash drawer is connected via an input / output port (I / O) 19c. Furthermore, the POS terminal 10 includes a communication interface (I / F) 20 and the like, and is configured to execute a product registration processing function based on input data, various payment processing functions related to the registered product, and the like. This payment processing function includes a communication credit processing function.

  The control unit is provided with a credit card reader 21 connected via a driver 21d. Further, the slip issuing printer 25 connected to the input / output port (I / O) 24 is driven so that the slip issuing data can be printed / issued on a four-sheet credit slip at a time.

  Furthermore, an external tablet terminal 50 is connected to the control unit via a tablet circuit 50c. The tablet terminal 50 is used to input data, like the scanner 15 and the keyboard 16, and has a function for performing handwritten signatures.

  As illustrated in FIG. 3, the tablet terminal 50 performs a handwritten signature by pen input using the touch pen 502 on the touch panel 501 and the touch panel 501. The input signature is displayed on the cashier display 17HR of the POS terminal 10. The signature may be displayed simultaneously on the customer display 17ST.

  On the cashier display 17HR when the input of the touch pen 502 is set, a sign clear key 171, a handwritten sign key 172, and an electronic signature key 173 related to the signature are also displayed. The sign clear key 171, the handwritten sign key 172, and the electronic signature key 173 input a corresponding control signal to the control unit by touching them.

  The tablet terminal 50 is connected to the tablet circuit 50c via a connection line, but the tablet terminal 50 and the POS terminal 10 may be connected by wireless communication. Further, the tablet terminal 50 may be configured such that the customer display 17ST is a touch panel and the function of the tablet terminal 50 is integrated with the POS terminal 10. In short, it suffices if there is a function that enables handwritten signatures during credit processing offline.

  Here, the off-line processing declaration means declares that the credit slip is printed / issued off-line when online communication credit processing is impossible. The offline process declaration means is formed from an offline process declaration key 16 d on the keyboard 16.

  The off-line slip issuing data creating means uses off-line slip issuing data using the card storage data temporarily read in the RAM 13 read using the credit card reader 21 and the key input data input using the keyboard 16. Is to create. The off-line slip issuing data creation means is formed of a ROM 12 and a CPU 11 that store a creation program.

  The off-line print issuance control means drives the slip issuance printer 25 based on the created off-line slip issuance data and prints and issues the credit slip off-line. The off-line print issuance control means is formed by the ROM 12 and the CPU 11 storing the off-line print issuance control program.

  Here, so-called online processing for performing credit processing via communication will be described.

  In the case of payment by credit card, data such as card information such as a credit card number stored in the credit card is read using the credit card reader 21 of the POS terminal 10. If necessary, input of a PIN number via the pin pad is accepted. Then, the keyboard 16 is operated to input data such as payment category.

Then, authentication of the input personal identification number, creation of inquiry information based on the read card information, transmission of inquiry information to the host computer 40, and the like are executed. In the host computer 40, a credit inquiry and authorization are executed, and the result is transmitted to the POS terminal 10.

  When the POS terminal 10 receives the confirmation data, the POS terminal 10 transfers the slip issuing data created using the confirmation data to the slip issuing printer 25 connected to the POS terminal 10. The slip issuing printer 25 issues a credit slip on which slip issuing data is printed.

  The customer slip is handed to the customer, the coupon slip is stored in the store, and the credit company slip is later delivered to the credit company.

  4 and 5 are flowcharts of a credit processing procedure when online processing is impossible due to a failure of communication executed by the CPU 11 of the POS terminal 10. The CPU 11 executes credit processing according to the procedure shown in FIGS. 4 and 5 in accordance with the program stored in the ROM 12.

  In FIG. 4, based on the card information such as the credit card number read by the credit card reader 21, it is determined whether it is an authorized card (S401). In the case of an authorized credit card, the control unit determines whether the tablet terminal 50 is connected (S402).

  If the tablet terminal 50 is connected, a handwritten signature is made using the touch pen 502 on the touch panel 501 (S403), and it is determined whether the signature entry has been processed normally (S404).

  If it is determined in step S404 that the signature is not normal, the control unit drives the display circuit 17c and displays an error message on the cashier display 17HR (S405). After this display, the clear key on the keyboard 16 is operated (S406), and the message displayed on the cashier display 17HR is cleared.

  Then, it is determined whether to retry (S407). If the retry is to be performed, the re-execution key of the keyboard 16 is operated (S408), and the process returns to step S403.

  In step S407, if retry is not performed, the cancel key on the keyboard 16 is operated (S409), and the process ends.

  If it is determined in step S404 that the content handwritten on the tablet terminal 50 is normal, the process proceeds to (A) of FIG. 5 (S501).

(Sign clear processing)
In step S501, which one of the sign clear key 171, the handwritten sign key sign 172, and the electronic sign key 173 shown in FIG. 3 displayed on the cashier display 17HR based on display information from the control unit is operated. to decide.

  When the sign clear key 171 on the cashier display 17HR is selected in step S501 (S502), a sign clear confirmation screen is displayed on the cashier display 17HR (S503).

  It is determined whether the sign on the cashier display 17HR has been cleared (S504). If not cleared, the process returns to step S502, and the sign clear process is performed again. If cleared, the control unit performs a clear process (S505) and ends.

(Handwritten signature processing)
In step S501, the handwritten sign key 172 displayed on the cashier display 17HR is selected (S506). The handwritten signature written on the tablet terminal 50 is displayed on the cashier display 17HR (S507).

  It is determined whether or not the displayed handwritten signature is correctly written (S508). If not correctly written, the process returns to step S506 to request re-input of the handwritten signature. If written correctly, the process proceeds to step S509.

  In step S509, the control unit creates offline slip issuing data using the card storage data read using the credit card reader 21 and temporarily stored in the RAM 13 and the key input data input using the keyboard 16. (S509). At this time, the control unit reads the print data in the signature field stored in advance in the ROM 12, and prints the credit slip with the signature field shown in FIG. Print with.

  The credit user signs in the signature column of the credit slip with signature column and ends the credit settlement.

(Electronic signature processing)
In step S501, an electronic signature is selected (S510). Using the touch pen 502 on the touch panel 501, handwritten input is performed to obtain an electronic signature. A signature data transmission process for collating the electronic signature with the electronic signature of the user registered in advance with the host computer 40 is performed (S511).

  A technique for collating electronically input handwritten signatures with registered signature data and determining whether or not the person is the person is disclosed in, for example, Japanese Patent Application Laid-Open No. 11-144056 (electronic signature verification method and system). ing.

  The control unit transmits sign data from the interface 20 to the host computer 40 via the data communication line 1, the host device 30, and the data communication line 2. After data transmission is completed, a response is received from the host computer 40. Then, it is determined whether or not the signature data transmission has been normally performed based on whether or not a response signal from the host computer 40 has been received within a predetermined time from the completion of the data transmission (S512).

  If there is a response signal from the host computer 40, it is determined as normal. In this case, the control unit prints the credit slip with signature column shown in FIG. 6A from the slip issuing printer 25 (S513), and ends the credit settlement.

  When there is no response signal from the host computer 40 in step S512 and the signature data is not transmitted normally, the control unit reads the signature column print data stored in the ROM 12 in advance. Then, the credit cardless credit slip shown in FIG. 6B combined with the contents of other slip issuing data is printed by the slip issuing printer 25 (S514). The credit user signs the signature column of the credit slip with the signature column, and ends the credit settlement.

  In this embodiment, when communication with the host computer is disconnected, a credit slip in which a signature entry field is printed on an existing credit slip is output. Thereby, it is possible to prevent troubles in the operation of credit settlement.

  In the above-described embodiment, the case where a program for carrying out the invention is recorded in advance in the apparatus has been described. However, the present invention is not limited to this, and a similar program may be downloaded from the network to the apparatus. In addition, a similar program stored in a recording medium may be installed in the apparatus. The recording medium may be in any form as long as it can store a program such as a CD-ROM and can be read by the apparatus. Further, the function obtained by installing or downloading in advance may be realized in cooperation with an OS (operating system) inside the apparatus.

  Although several embodiments have been described, these embodiments have been presented by way of example and are not intended to limit the scope of the invention. These novel embodiments can be implemented in various other forms, and various omissions, replacements, combinations, and changes can be made without departing from the scope of the invention. These embodiments and modifications thereof are included in the scope and gist of the invention, and are included in the invention described in the claims and the equivalents thereof.

1, 2 Data communication lines 10, 10a to 10n POS terminal 11 CPU (offline slip issuing data creation means, offline printing issue control means)
12 ROM (offline slip issue data creation means, offline print issue control means)
13 RAM
16 Keyboard 16d Offline processing declaration key (offline processing declaration means)
17HR cashier display 17ST customer display 171 sign clear key 172 handwritten sign key 173 electronic sign key 18 printer 21 credit card reader 25 slip issuing printer 30 host device 40 host computer 50 tablet terminal

If there is a response signal from the host computer 40, it is determined as normal. In this case, the control unit prints the credit slip without a signature column shown in FIG. 6B from the slip issuing printer 25 ( S514 ), and ends the credit settlement.

When there is no response signal from the host computer 40 in step S512 and the signature data is not transmitted normally, the control unit reads the signature column print data stored in the ROM 12 in advance. Then, the printing of the signature line credit slip with that shown in FIG. 6 (a) the combined contents of the other billing data, printed in billing printer 25 (S513). The credit user signs the signature column of the credit slip with the signature column, and ends the credit settlement.

Claims (6)

Credit processing data created from card storage data and key input data read from a credit card is communicated with a credit company via a communication line, and is a credit processing device that performs communication credit processing,
A credit processing device that issues a credit slip in which a signature entry field is entered when communication with the credit company is not normal, and issues a credit slip without a signature entry field when communication is normal.   The credit processing apparatus according to claim 1, wherein the credit voucher issuance when it is determined that the communication with the credit company is not normal is performed by adding pre-stored signature entry field creation data.   The credit processing device according to claim 1, wherein the sign for credit inquiry to the credit company is an electronic signature obtained by pen touch input on a touch panel of a tablet terminal connected to the credit processing device.   The credit processing device according to claim 1, wherein the credit processing device and the tablet terminal perform data communication wirelessly.   The credit processing device according to any one of claims 1 to 4, wherein when it is determined that communication with the credit company is not normal, it is displayed on a cashier display of the credit processing device body. Credit processing data created from card storage data read from a credit card and key input data is communicated with a credit company via a communication line, and a credit processing device that performs communication credit processing,
A function of determining whether authorization has been made based on the card storage data;
If the communication with the credit company is not normal, a function to issue a credit slip filled with a signature entry field;
If the communication with the credit company is normal, a function to issue a credit slip without a signature entry field;
A program to realize

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