JP2708991B2 - Credit processing terminal - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit processing terminal which prints a withdrawal date on a slip when purchasing a credit.

[0002]

2. Description of the Related Art Conventional credit terminals (POS, CAT)
Etc.), when a customer pays using a credit card when purchasing a product (when shopping with credit), only the product name, quantity, amount, etc. are printed on the voucher, The debit date is not printed. For this reason, the usual way of thinking was to guess the date of deduction from the passbook.

[0003]

As described above, the conventional credit terminal does not print the date of debit of the amount from the bank on a slip when shopping with credit. It was unclear whether it would be done, and it had to be guessed from the date of withdrawal so far. The withdrawal date is
Although specified by each credit company, there is a case where the credit company collectively requests the credit company at the shop, so a difference occurs with the debit date recognized by the credit shopper. This may cause anxiety to shoppers, and it is desired to solve this.

In order to solve these problems, the present invention calculates the customer's withdrawal date from the closing date of each credit company and the date of requesting the store to each credit company, prints it on a slip, and prints the withdrawal date when shopping. The purpose is to clarify and to eliminate shoppers' anxiety.

[0005]

Means for solving the problem will be described with reference to FIG. In FIG. 1, terminal 1
Reads a bar code or the like from a product that the customer wants to purchase to calculate the product name, unit price, total amount, etc., reads data from a credit card, obtains the product name, amount, and further debit date on the slip 11. And print it out.

The credit payment date master 2 is for registering in advance the deadline date of the credit company and the request date of the store. The store cluster 4 is for, for example, notifying each terminal 1 of a withdrawal date when each terminal 1 is notified of credit shopping.

[0007]

According to the present invention, as shown in FIG.
Reads the bar code of the product, calculates the product name, unit price, total amount, etc., and refers to the credit payment date master 2 based on the data read from the credit card, and refers to the credit company's deadline date and store The withdrawal date is calculated based on the request date, and the withdrawal date is printed on the slip 11 together with the product name, the amount, and the like.

[0008] Further, as shown in FIG.
The store cluster 4 calculates the withdrawal date based on the credit company deadline date and the store request date in the credit payment date master 2 when notified of the purchase of the credit from
The terminal 1 is notified of the withdrawal date, and the terminal 1 prints the withdrawal date on the slip 11 together with the amount of the customer.

The credit company's deadline date and store request date registered in the credit payment date master 2 are
The terminal 1 or the store cluster 4 arbitrarily changes it as needed.

Therefore, by calculating the date of debit from the bank account of the customer from the closing date of each credit company and the date of requesting the store to each credit company, and printing the date on the slip 11,
At the time of credit shopping, the debit date is printed and clarified together with the total amount of purchased goods on the voucher 11, so that shoppers' anxiety can be resolved.

[0011]

Next, the structure and operation of an embodiment of the present invention will be sequentially described in detail with reference to FIGS.

FIG. 1A shows an example in which a credit payment date master 2 is provided in a terminal 1. In FIG. 1A,
The terminal 1 is a POS, CAT, or the like. When a customer brings a product to be purchased to a counter, an operator causes a barcode reader to read a barcode attached to the product, and outputs a product name, a unit price, and a total amount. Calculation, etc., reading data from a credit card provided by a customer, and the name of a purchased product on a slip (receipt) 11,
This is a terminal (credit processing terminal) for printing the quantity, unit price, amount of money, and the date of withdrawal of the credit company according to the present embodiment from the bank account of the customer.

The credit payment date master 2 is for registering in advance the deadline date of the credit company (for example, 5 days each month) and the request date of the store (for example, 2 days after the date of reimbursement). It is provided for each one.

The slip (receipt) 11 prints the name of the product purchased by the customer, the amount of money, the date of withdrawal, and the like, and hands it to the customer. Next, the operation of the configuration shown in FIG. 1A will be described in detail with reference to FIG.

In FIG. 2, in step S1, a product is registered. In the terminal 1 of FIG. 1A, an operator operates a barcode reader to read a barcode attached to a product brought from a display shelf by a customer, and obtains a product name, a unit price, a quantity, Enter the amount and register the product.

In S2, the total is subtotaled. In this case, a subtotal of the price of the product that the customer intends to purchase is calculated by reading a bar code or the like in S1. In step S3, the card is read. This is because, for example, at the stage when the subtotal of the product is calculated in S2, the customer has issued a credit card for shopping with the credit card, and the credit card is read into the terminal 1 (country code of the credit card,
Company code (credit company), membership number, expiration date,
Read a recitation number, arbitrary data, etc.). And
The read data is assembled into a message and transmitted to the credit company via a line.

In step S4, the credit company receives the data transmitted by electronic message and checks the credit card ID. In this case, it is checked whether the credit card has been stolen or the expiration date has passed, and whether or not the credit card can be approved for purchase.

In step S5, the result of the check in step S4 is transmitted to the terminal 1 in a telegram, and the terminal 1 receiving the check transmits the check
It is determined whether or not. In the case of YES, the credit company acknowledges that you can shop with a credit card,
Perform S6 and subsequent steps. In the case of NO, this credit card cannot be used, and the process ends.

In step S6, the credit payment date master 2 reads out the date on which the credit company is closed and the date on which the store requests the credit company. This is because the credit company acknowledges that you can buy using a credit card, so in order to find the date of debiting the amount of the purchase from the customer's bank account, the closing date of the credit company, the store Read the date of request and the current date.

In step S7, the withdrawal date of the customer's account is calculated. This is, for example, when the shop read out in S6 requests the clerk company, for example, “2 days after the replacement”.
It calculates whether the day obtained by adding the two days to the current date and time corresponds to the credit company's current month or the next month's withdrawal date (specifically described with reference to FIG. 4).

In step S8, a slip is printed. This prints the details of the customer's shopping and the date of debit from the bank account. For example, the withdrawal date, credit shopping amount, shopping date, and others are printed on the slip 11.

As described above, in the configuration of FIG. 1A, in response to the customer bringing the product from the shelf and bringing it to the counter, the operator reads the barcode attached to the product. The subtotal of the product is calculated and the credit card provided by the customer is read. When the ID check is OK, the credit payment date master 2 is used to further determine the closing date of the credit company, the request date of the store, and the current date and time. The date of debit from the bank of the customer is calculated, and the date of debit from the bank account is printed on the slip (receipt) 11 together with the amount and date and time of credit purchase. The customer can look at the debit date printed on the slip 11 and confirm when the credit company will debit the customer's bank account, and the problem that the debit date, which has been a concern for shoppers, is unknown.

Next, FIG. 1B shows an example in which a plurality of terminals 1 are managed by a store cluster 4 via a controller 5 and a credit payment date master 2 is provided for this. In FIG. 1B, when a customer brings products such as POS and CAT to a counter, the terminal 1 reads a barcode attached to these products into a barcode reader. The product name, unit price, total amount, etc. are calculated, data is read from the credit card provided by the customer, and sent as a message to the store cluster 4 via the controller 5, and a slip (receipt) 1
1 is a terminal that prints the name of the purchased product, the quantity, the unit price, the amount, and the date of withdrawal of the credit company according to the present embodiment from the bank account of the customer.

The credit card payment date master 2 is provided in a store cluster 4 that controls a plurality of terminals 1,
The credit company's deadline date (for example, 5th of every month) and the request date of the store (for example, 2 days after the date of the transfer) are registered in advance.

The slip (receipt) 11 prints the name of the product purchased by the customer, the amount of money, the date of withdrawal, and the like, and hands it to the customer. Next, the operation of the configuration of FIG. 1B will be described in detail with reference to FIG.

In FIG. 3, a step S11 registers a product.
This is because, at the terminal 1 of FIG. 1B, the operator operates the bar code reader to read the bar code attached to the product brought from the display shelf by the customer to obtain the product name, unit price, quantity, Enter the amount and register the product.

In S12, the total is subtotaled. In step S11, a subtotal of the price of the product that the customer wants to purchase is calculated by reading a barcode in step S11. In step S13, the card is read. This is because, for example, at the stage when the subtotal of the product is calculated in S12, since the customer has provided a credit card for shopping with the credit card, the credit card is read into the terminal 1 (the country code of the credit card, the company code ( Credit company), membership number, expiration date, recitation number, arbitrary data, etc.). Then, the read data is assembled into a message, and transmitted to the credit company via the controller 5, the store cluster 4, and the line.

In step S14, the credit company receives the data sent by electronic message and checks the credit card ID. This checks whether the credit card has been stolen or has expired,
Check whether the purchase can be approved with the credit card.

In step S15, the result of the check in step S14 is transmitted by electronic message to the store cluster 4 via a line, and it is determined whether or not the store cluster 4 that has received the check is OK. In the case of YES, the credit company acknowledges that the purchase can be made with a credit card, and therefore, S16 and subsequent steps are performed. In the case of NO, this credit card cannot be used, and the process ends.

In step S16, the credit payment date master 2 reads out the date on which the credit company is closed and the date on which the store requests the credit company. This is because the credit company acknowledges that you can use a credit card to make purchases, so the credit company closes on the closing date of the credit company, The request date and the current date are read.

In step S17, the withdrawal date of the customer's account is calculated. This is because the store cluster 4 read in S16,
For example, if the shop requests the Klet company for “2 days after repaid”, the day when the two days are added to the current date and time will be the credit company's current month or the next month's withdrawal date Calculate if applicable.

In step S18, the terminal 1 notified of the message from the store cluster 4 in step S17 prints the slip 11. This prints the contents of the customer's kret purchase and the date of debit from the bank account by the terminal 1 which has been notified of the date of debit by telegram from the store cluster 4. For example, the withdrawal date, credit shopping amount, shopping date, and others are printed on the slip 11.

As described above, under the configuration of FIG. 1B, the operator reads the bar code attached to the product in response to the customer bringing the product from the shelf to the counter. The subtotal of the product is calculated, and the credit card provided by the customer is read, and the contents are sent to the store cluster 4 that manages the plurality of terminals 1. The terminal 1 calculates the date of withdrawal from the bank of the customer and notifies the terminal 1 by electronic message. The customer can look at the debit date printed on the slip 11 and confirm when the credit company will debit the customer's bank account, and the problem that the debit date, which has been a concern for shoppers, is unknown.

FIG. 4 is a diagram for explaining the calculation of a withdrawal date according to the present invention. FIG. 4A shows an example of a credit payment date master. The credit payment date master 2 pre-registers the closing date of the credit company, for example, 5th of every month, and the date that the store requests the credit company, for example, 2 days after the transfer. In the case of FIG. 1A, the content registered in the credit payment date master 2 can be arbitrarily registered or changed from the screen of the terminal 1. In the case of FIG. 1B, the user can arbitrarily register or change the information on the screen of the store cluster 4.

FIG. 4B shows an example of the closing day of the fifth day of each month. This is the klet company A described in FIG.
However, assuming that the closing date is 5 days, and the request date of the store to the credit company A is 2 days after the replacement, as shown in FIG. The request is made to the credit company, and the credit company receives the request and the closing date is 6 days after the closing date, so it can be calculated that the credit company will debit the customer's bank account on the 5th of the following month. The withdrawal date “5th of the following month” is printed on the customer's slip together with the product and the price.

If the customer makes a purchase on the 4th with a credit, the store requests the credit company on the 5th, so it is calculated that the customer will withdraw from the customer's bank account on the 5th of this month. The withdrawal date “5th of this month” is printed on the customer's slip together with the product and the amount.

[0037]

As described above, according to the present invention,
The system uses a configuration that calculates the customer's withdrawal date from the closing date of each credit company and the date of request from the store to each credit company and prints it on the voucher. The date is printed and clarified,
Eases shoppers' anxiety.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of one embodiment of the present invention.

FIG. 2 is a diagram illustrating the operation of the present invention.

FIG. 3 is another operation explanatory diagram of the present invention.

FIG. 4 is an explanatory diagram of calculation of a withdrawal date according to the present invention.

[Explanation of symbols]

 1: terminal 11: slip 2: credit payment date master 3: credit company 4: store cluster 5: controller

Claims (3)

(57) [Claims] 1. A credit processing terminal to print a drawdown date in the document at the time of credit shopping, credit company of the deadline and the credit company from the store
A credit payment date master for pre-registering the request date to the customer is provided on the terminal, and when the customer purchases with credits, the credit company's deadline date of the credit payment date master and the store
A credit processing terminal configured to calculate a withdrawal date based on a request date to a credit company and a shopping date , and to print the withdrawal date together with a customer 's purchase amount on a slip. 2. A credit processing terminal to print a drawdown date in the document at the time of credit shopping, credit company of the deadline and the credit company from the store
A credit payment date master that registers the request date to the store in advance is provided in the store cluster, and when there is a notice of credit purchase from each terminal ,
This store cluster is the credit company's deadline date for the credit payment date master , request from the store to the credit company
Credit processing characterized by calculating the withdrawal date based on the date and the purchase date, notifying the terminal of the withdrawal date, and printing the withdrawal date together with the customer's amount on the slip on the terminal. Terminal. 3. A credit company from the deadline date and store credit card company that has been registered in the credit payment date master
The requested date to, certain claim 1, characterized by being configured to change arbitrarily from the terminal or the store cluster have
Is a credit processing terminal according to claim 2.