JP2519729B2 - Card issuer for POS terminal - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to a card receipt issuing device for a POS terminal capable of paying for products sold by a credit card or a debit (bank) card.

[Prior Art] POS terminals that can pay for products sold using transaction cards such as credit cards and debit cards are
An external card issuing company or a host computer of a bank or the like is connected online via a telephone line or the like. Then, when payment with a card occurs for the price corresponding to the sales data of the sale item input from the keyboard etc., the card data read on the credit card or debit card brought by the customer with the card reader is read, Send card transaction data consisting of card data and payment to the host computer of the relevant card issuer or bank. Then, when a sales permission response permitting payment by the card is received from the computer, the sales data and the like are printed on a predetermined slip sheet and issued.

By the way, when a debit card payment is made, the cardholder's input of a personal identification number verifies the validity of the card, so the cardholder's signature is not required, but if a credit card payment is made, Confirms the authenticity of the card by the signature of the cardholder. For this reason, as the slip paper used when making transactions with a credit card, we use perforated Hanfall paper with the customer's signature area, and after the signature, separate it from the perforated portion and store one copy. A copy receipt was issued, and another copy was issued as a customer receipt.

[Problems to be Solved by the Invention] However, the perforated hanfore paper used for credit cards is very expensive.
In addition, two types of slip sheets, one for a debit card without a signature and the other for a credit card that requires a signature, must be prepared and used properly, which is inefficient.

Therefore, the present invention does not require expensive slip paper such as Hanfall paper even when paying by credit card, and can use inexpensive roll receipt paper, which can reduce costs and improve the efficiency of payment operations. An object is to provide a receipt issuing device for a card of a POS terminal that can measure

[Means for Solving Problems] According to the present invention, as shown in FIG. 1, the card transaction data a corresponding to the input card information of the card 1 and the sales data of the sales product 2 are externally transmitted via a transmission line. To the host system 3, and executes registration processing for the sale product 2 based on the sales permission response b from the host system 3.
A card determination means 5 provided in the POS terminal 4 for determining whether the card 1 is a credit card or a debit card, and a registration processing result for the sale product 2 that the card 1 is a debit card by the determination means 5. Is printed on a receipt paper and issued as a customer receipt 6, and the determination means 5 indicates that the registration processing result indicates that the card 1 is a credit card, and the customer signature area is provided on the receipt paper. This is a card receipt issuing device provided with a credit card receipt issuing means 9 for issuing and printing as a copy receipt 8 and as a customer receipt.

[Operation] With the card receipt issuing device of the POS terminal that takes such a means, only the customer receipt is issued for payment of the product sold by the debit card, and the product purchased by the credit card is paid. For payment, a store copy receipt with a signature area is issued separately from the customer receipt. Therefore, the validity of the credit card can be confirmed by the signature using the store copy receipt, and the normal roll receipt paper can be used as the slip paper for both cards.

[Embodiment] An embodiment of the present invention will be described below with reference to the drawings.

FIG. 2 is a diagram showing the entire POS system in the present embodiment, which is recorded in an electronic cash register (ECR) 11 having a function of registering sales data of sales products and a transaction card such as a debit card or a credit card. A plurality of POS terminals 13 including a card terminal (EFT) 12 having a function of reading the read data and sending the data to the outside,
It is connected to a terminal controller 15 via a transmission line 14. The terminal controller 15 is connected to a host computer 17 installed in a bank, a card issuing company, or the like via a transmission line 16 such as a telephone line.

FIG. 3 is a block diagram of the POS terminal 13. E
The CR CPU 21 executes various data processing based on the input data from the keyboard 22 and the like, and the bus line 23,
A ROM 25 that stores fixed data such as a data processing program and a RAM 26 that stores variable data such as input data and processing data are operated via the control line 24. Further, a car board input circuit 27 for inputting a key signal from a keyboard 22 for inputting sales data such as a product code and sales amount of a sales product, and a display 28 for displaying the sales data, the total amount of money and the like are driven. The display control circuit 29 for displaying characters and the like corresponding to the display data, the printer 30 for printing out the sales data and the like on the roll-shaped receipt paper and journal paper, and the drawer 31 for cash settlement. EF through the printer / drawer control circuit 32, transmission cable 33 and transmission connector 34
EFT interface 35 to connect T12, etc. is a bus line
It is connected to the ECR CPU 21 via 23 and a control line 24.

On the other hand, the EFT CPU 36 executes various data processing based on the input data from the card reader 37 and the like, and operates the ROM 40 and the RAM 41 via the bus line 38 and the control line 39. Further, a card reader control circuit for inputting a signal from a card reader 37 for reading card data recorded on a transaction card such as a debit card or a credit card.
42, a display control circuit 44 of a display 43 for displaying a predetermined message, etc., a credit key 46 for declaring that the transaction card is a credit card while inputting information from a pin pad 45 for inputting a personal identification number, and Drives and controls the input port 49 that inputs information from the key switch 48 such as the debit key 47 that declares that it is a debit card, and the printer 50 that prints out card transaction data on roll receipt paper and journal paper. Printer control circuit 51, transmission cable 33 and transmission connector
The bus line 38 and the control line 39 include an ECR interface 53 for connecting the ECR 11 via 52, a transmission control circuit 55 for controlling data transmission performed with the terminal controller 15 via the transmission line 14 and the transmission connector 54, and the like. Through
It is connected to the EFT CPU 36.

On the keyboard 22 of the ECR11, as shown in FIG.
A total number 61 of registered products for one customer of cash approval, a number key 61 for inputting the sales amount of sales products, the number of sales points, etc., a department key 62 for inputting a department code for classifying the sales products There are provided a deposit / cash total key 63, a card key 64 for calculating the total amount of registered merchandise for one customer of card payment, and the like. Also keyboard
On the 22 is provided a control key 65 for selecting each business mode such as “registration”, “payment”, “setting” and the like and causing the ECR CPU 21 to execute it.

The RAM 26 of the ECR11 has a keyboard 22 as shown in FIG.
The product registration buffer 71 for accumulating the sales data of the sales products keyed from the, the registration totalizer 72 for adding the sales amount of the sales products to the customer, the sales points of the sales products, the sales amount, etc. are accumulated for each department code, for example. A product registration file 73, etc., for performing the same are formed.

Then, the ECR CPU 21 is programmed so as to operate according to the flowchart of FIG. 6 when the predetermined initialization is completed by turning on the power. That is, it waits for a key signal from the keyboard 22 as P1. Then, when the key signal is input, the business mode selected by the control key 65 is determined, and the type of the key signal is determined to be the “registration” business mode. Here, when a product registration key such as a department key 62 is input as P2, a set of the corresponding department code and the sales amount, the number of sales, etc. of the registered product input by the numeric key 61 or the like before that are entered. Is stored in the product registration buffer 71 as Further, the section code, sales amount, etc. are displayed on the display unit 28. Further, the sales amount is added to the registered totalizer 72, and the next key input is awaited.

On the other hand, when the deposit / cash total key 63 is input as P3, it is determined that the cash settlement is the closing process, and the product registration buffer 71
After confirming that the data has been stored in the product registration data, the sales data in the product registration buffer 71 is sequentially read as a product registration process and accumulated in the product registration file 73 for each department code, for example. Further, the read product code, sales amount, etc. are printed by the printer 30 on receipt paper and journal paper. Next, the contents of the registration totalizer 72, that is, the total amount of the registered merchandise by the customer is displayed on the display 28 and printed on the receipt paper and the journal paper, and the receipt paper is issued as a cash receipt. Thereafter, the product registration buffer 71 and the registration totalizer 72 are cleared, and the sales registration processing for one customer is completed.

If the card key 64 is entered as P4, it will be judged as the closing process for card payment and the product registration buffer
After confirming that the data is stored in 71, as the product registration processing, the sales data in the product registration buffer 71 is sequentially read and accumulated in the product registration file 73 for each department code, for example. Next, the content of the registration totalizer 72, that is, the total amount of the registered merchandise by the customer is displayed on the display 28. Then, transfer the data in the product registration buffer 71 to the transmission cable 33.
Sent to the CPU 36 of the EFT12 via the
And the registration totalizer 72 is cleared, and the sales registration processing for one customer is completed.

When data is transmitted from the ECR 11 via the transmission cable 33, the EFT CPU 36 is programmed to operate according to the flowchart shown in FIG. That is, ECR1
If the sales data from 1 is received, it waits for the input information of the key switch 48 as P11. Here, if the credit key 46 is entered as P12, it is determined that there is a payment business by a credit card, the card data of the card set in the card reader 37 is read, and this card data and the received sales data are transmitted through the transmission line. To the terminal controller 15 via 14. Then, the terminal controller 15 makes an inquiry to the host computer 17 of the corresponding card issuing company via the transmission line 16 as to the validity of the transaction by the credit card.
It waits for a response from the host computer 17 as P13. Then, when a permission response message indicating the product transaction permission for the credit card is returned from the computer 17, first, the card transaction data included in the response message as P14 is printed out on the roll receipt paper by the printer 50. At the same time, a signature area where customers can sign is formed and issued as a store copy receipt. Next, as P15, the above-mentioned card transaction data is again printed out on the roll receipt paper by the printer 50 and issued as a customer receipt, and the predetermined area in the RAM area 41 in which the sales data and card data are temporarily stored is cleared and the processing ends. To do.

On the other hand, if the debit card 47 is input as P16, it is determined that there is a payment service by the debit card, the card data of the card set in the card reader 37 is read, and then the PIN input from the pin pad 45 is input as P17. wait. When the personal identification number is input, the personal identification number data, the card data, and the received sales data are transmitted to the terminal controller 15 via the transmission line 14. Then, an inquiry is made from the terminal control 15 to the host computer 17 of the corresponding bank via the transmission line 16 as to the legitimacy of the transaction by the debit card.
Wait for a response from. Then, when the computer 17 returns a permission response message indicating the product transaction permission for the credit card, the printer 50 prints out the card transaction data included in the message as P15 and prints it out on the roll receipt paper. It is issued as a receipt for use and the predetermined area in the RAM area 41 in which the sales data and the card data are temporarily stored is cleared and the process ends.

In this embodiment having such a structure, when a debit card payment operation occurs, the cashier
The product to be sold is registered by the ECR 11, the card key 64 is input as a closing key, the debit card received from the customer is mounted in the card reader 37, and the debit key 47 is input. Then, the customer himself / herself is asked to input the personal identification number using the pin pad 45. Then, the legitimacy of the transaction is judged by the host computer 17 of the relevant bank, and if there is a sales permission response, the receipt 80 for the customer who prints out the product transaction data together with the card data such as the card number as shown in FIG. publish.

On the other hand, when a credit card payment operation occurs, the cashier registers the product for sale by ECR11, enters the card key 64 as the closing key, and then mounts the credit card received from the customer on the card reader 37 and the credit key 46 Enter. Then, the legitimacy of the transaction is judged by the host computer 17 of the corresponding card issuing company, and if there is a sales permission response, the commodity transaction data etc. are first printed out together with the card data such as the card number as shown in FIG. A store reservation receipt 81 in which the cardholder's signature area A is formed is issued, and subsequently a customer receipt 82 in which card data and merchandise transaction data are printed out is issued. Therefore, by having the customer himself / herself sign the signature area A formed on the receipt 81 for store copy, it becomes possible to confirm the cardholder.

As described above, according to the present embodiment, when a payment operation using a debit card that does not require a signature occurs, only a customer receipt 80 in which card data, sales data, etc. are printed out on a normal roll receipt paper is issued, In addition to the customer receipt 82, a store copy receipt 81 having the customer's signature area A is issued using the roll receipt paper when a payment operation by a credit card occurs. Therefore, it is not necessary to use expensive perforated Hanfall paper even for credit card payment operations, and each transaction receipt can be issued with inexpensive roll receipt paper, which reduces costs. obtain. Further, since it is not necessary to properly use the slip paper depending on the card, the work can be simplified, the efficiency can be improved, and the occurrence of mistakes is eliminated.

The present invention is not limited to the above embodiment. For example, in the above embodiment, ECR11 and EFT12 are provided separately.
The case of applying to POS terminal 13 is shown, but ECR11 and EFT12
Needless to say, it can also be applied to a POS terminal in which and are integrally formed. The format of each receipt is the 8th.
The order in which the store receipt 81 and the customer receipt 82 are issued using a credit card is not particularly limited. Furthermore, in the above embodiment, the case where the receipt at the time of card payment is issued by the EFT 12 is shown, but it may be issued by the printer 30 of the ECR 11. In addition, it goes without saying that various modifications can be made without departing from the scope of the present invention.

[Effects of the Invention] As described in detail above, according to the present invention, it is possible to use an inexpensive roll-type receipt paper without requiring an expensive slip sheet such as a hanfall sheet even when paying with a credit card. A receipt issuing device for a card of a POS terminal that can reduce the cost and improve the efficiency of payment operations can be provided.

[Brief description of drawings]

FIG. 1 is a functional block diagram of a card receipt issuing device according to the present invention, FIGS. 2 to 9 are diagrams showing an embodiment of the present invention, and FIG. 2 is an overall configuration diagram of a POS system. Three
Fig. 4 is a block diagram of the POS terminal, Fig. 4 is a key layout diagram of the keyboard in the ECR, Fig. 5 is a block diagram of the RAM in the ECR, Fig. 6 is a flow chart showing the operation of the ECR CPU, and Fig. 7 is
8 is a flow chart showing the operation of the EFT CPU, FIG. 8 is a diagram showing an example of issuing a customer receipt when a debit card payment operation occurs, and FIG. 9 is a store copy receipt and customer receipt when a credit card payment operation occurs Is a diagram showing an example of issuing. 11 …… Electronic cash register (ECR), 12 …… Card terminal (EFT), 13 …… POS terminal, 15 …… Terminal controller, 17 …… Host computer, 30,50 ……
Printer, 37 …… Card reader, 45 …… Pin pad, 46
...... Credit key, 47 …… Debit key, 64 …… Card key.

Claims (1)

(57) [Claims] 1. Card transaction data corresponding to the input card information of a card and sales data of a sale product are transmitted to an external host system via a transmission line, and based on a sales permission response from the host system, In a POS terminal that executes registration processing for a sale product, a card determination unit that determines whether the card is a credit card or a debit card, and the sale product that the card is a debit card by the card determination unit A receipt issuing means for debit card that prints the registration processing result on a receipt paper and issues it as a customer receipt, and if the card is a credit card by the judging means, the registration processing result indicates the customer signature area on the receipt paper. Is provided for printing as a copy of the store and as a receipt for the customer. Card receipt generator of POS terminal, characterized by comprising a receipt issuing means for credit card printing issued.