JP2819188B2 - Installment sales management device - Google Patents

Description

The present invention relates to an installment sales management device, and more particularly, to an installment sales management device.
The present invention relates to an installment sales management device used when selling goods by an installment method in department stores, retail stores, and the like.

(Prior Art) One of the merchandise sales methods is a credit sales method. Here, the product includes services such as automobile repair and insurance contracts in addition to products generally meaning.

The credit sales method is a method of selling products and the like with the credit of customers, and is classified into an installment sales method and a non-installment sales method. The installment sales method is defined in the installment sales method, and is a sales form on the condition that the price is divided and received from the purchaser over two months or more and three times or more. The non-installment sales method is a credit sales form that does not satisfy this condition but is based on the purchaser's credit.

Installment sales include comprehensive installment sales, in which the buyer's controllability is surveyed prior to the sale of each product and a comprehensive installment sales contract is made, or purchaser's ability to pay for each product sold is investigated. There are individual installment sales contracts for sales contracts.

There are various restrictions on the installment sales method by the installment sales method, and it is necessary to clearly specify the conditions set by the installment sales method for each transaction. For this reason, when performing an individual product installment sales, a salesperson prepares a slip for individual product installment sales, fills in necessary information, and hands it along with the product.

Heretofore, what is purchased by the installment sales method is often applied to high-priced products that are difficult to pay at one time, and stores that install and sell are very limited. However, in recent years, credit sales have been carried out not only at department stores and supermarkets but also at retail stores, etc. In addition, it is easy to install installment sales when purchasing products such as ordinary clothes and miscellaneous goods that are not so expensive. Methods are being used.

(Problems to be Solved by the Invention) As described above, in recent years, installment sales have been frequent, and the number and types of products to be handled have been increasing. You must fill in the required information each time. For this reason, if the number and types of products to be handled increase, the entry of slips is extremely complicated and troublesome work, and the installment sales take a very long time due to the entry of the slips, which inconveniences customers. Was.
In addition, since the description of the slip must be a description based on the installment sales law or a description based on it, it requires a certain level of skill, and there is a problem that errors are likely to occur if you are not familiar with installment sales .

The present invention has been made in view of the above circumstances, and has as its object to provide an installment sales management device that can reduce the burden on sales staff and can quickly perform installment sales even for non-experts.

(Means for Solving the Problems) An installment sales management device according to the present invention includes card reading means for reading customer information from a customer card, and data for inputting sales data on sold products and installment data on conditions of installment sales. Input means, data holding means for holding other data, based on the sales data and installment data input by the data input means,
It comprises a calculating means for calculating the payment for installment sales, and a receipt issuing means for issuing a receipt that can be used in place of a voucher for installment sales in addition to a normal receipt.
POS terminal device, wherein the receipt issuing means is based on data from the card reading means, data from the data input means, data from the data holding means, data from the arithmetic means, at least the name of a store issuing a receipt. At the time of issuance of the receipt, the name and price of the product sold this time, the installment sales down payment, installment fee and installment price, customer data, the number identifying the installment sales contract, the installment payment, A receipt that can be used in place of a voucher for installment sales that prints the number of payments and the payment period, the delivery period of the product, and the presence or absence of services that are the condition of product sales on receipt paper is issued. It is a feature.

It is desirable that the customer card is constituted by a magnetic card, an IC card, or the like. Further, it is desirable that the main operating part of the installment sales management device is constituted by a point of sale (POS) terminal device. This is because many of the conditions described in installment sales are PO
This is for the purpose of effectively using a store or the like that is duplicated with the items described in the receipt issued from the S terminal device.

(Operation) The installment sales management device of the present invention uses the data input means to
The sales data on the sold product and the installment data, which is the condition of the installment sales, are input, and the receipt ticketing means automatically issues a receipt that records the installment sales information along with the sales information. Even so, it is possible to quickly perform installment sales.

(Embodiment) Hereinafter, an installment sales management apparatus according to a preferred embodiment of the present invention will be described with reference to the accompanying drawings. In the present embodiment, the installment sales management device is incorporated with a POS terminal device, and a POS using a magnetic card as a customer card.
Description will be given as a system.

Device Configuration (See FIGS. 1 and 2) Each store is provided with a number of POS terminal devices 10. The entire POS terminal device 10 is controlled by the control unit 11. The POS terminal device 10 according to the present embodiment is compatible with installment sales, and is provided with a keyboard 12 as data input means operated by a salesperson and a guidance panel 13 for displaying various guidance contents to the salesperson.

Further, the POS terminal device 10 is provided with a reader / writer 14 as card reading / writing means so that the customer card C
To read and write. In the customer card C, for example, a cumulative point and a point update date for the service point system are recorded together with the customer card number.

Further, the POS terminal device 10 is provided with a receipt issuing device 15 for issuing a receipt R describing the contents of the sale as a receipt in the case of cash sales, and in the case of installment sales, necessary for the installment sales together with the contents of the sale. Issue a receipt R stating the details.

A plurality of POS terminal devices 10 provided in each store are controlled by a store computer 18 provided in each store. The POS terminal device 10 may also serve as the store computer 18.

The front-end processor 20 is installed in, for example, a head office and performs an auxiliary operation to reduce the burden on the host computer 30. For example, each store computer 18
Data sent via the communication line periodically from the host computer to the host computer 30 as necessary, and low-importance data such as details of each transaction can be transmitted without using the host computer 30. , Own log file 22
And manage them. The work may be performed by the host computer 30 without providing the front-end processor 20.

The host computer 30 is installed in, for example, an information center or the like, and controls the entire card system. The host computer 30 is provided with a customer database 32 as a master file. Although various types of customer information are stored in the customer database 32, the present invention particularly relates to a card point master 34 for managing service points generated according to the purchase price of goods as customer services. , Is a credit master 36 for managing credit sales.

In the example of the card system described above, the POS terminal device 10
Is connected online to the store computer 18, the front-end processor 20, and the host computer 30, but a receipt R according to the present invention may be issued in an offline system. In the case of off-line, the contents of the customer card C are basic data.

The details of the keyboard 12 of the POS terminal device 10 are shown in FIG.

The keyboard 12 is divided into three parts, as shown in FIG.
Is provided. In the right column, in order from the top, a journal key K31 for sending a journal, a department part number key K32 for entering the department number of the product, a quantity key K33 for entering the quantity of the product, and when repeating the same input contents Repeat key K34, bargain product, etc. without discount, which is used to enter products for which normal discounts are not applied
K35 and a decimal point key K36 for inputting a decimal point are provided. Each of the keys K22 to K26 and K32 to K35 surrounded by a thick frame has a built-in lamp for instructing an input operation.

Above the central area of the keyboard 12, an all-cancel key K41 for canceling all the input contents, a line cancel key K42 for canceling one line of the input contents, and an error / C key K43 for correcting an error are provided. Is provided. A numeric keypad K44 for inputting a numerical value such as an amount is provided below.

Above the right area of the keyboard 12, 30 6 × 5 PLU (Price Look Up) keys K51 are provided. The PLU key K51 is a key for directly inputting a product code of a product that is frequently input, and can be assigned to each store. At the bottom, enter key K52,
A total key K53 and a deposit / registration key K54 are provided. Each of the total key K53 and the deposit / registration key K54 surrounded by a thick frame has a built-in lamp for instructing an input operation.

Operation of POS Terminal Next, the operation of each mode of the POS terminal according to the present embodiment will be described.

Cash Mode (FIGS. 3 to 5) The cash mode is a mode for selling goods in cash without using the customer card C. The operation in the cash mode is shown in the flowcharts of FIGS. 3 and 4, and a specific example of the receipt R issued in the cash mode is shown in FIG.

First, register the purchased product (step S10
1).

In the merchandise registration, as shown in FIG. 4, first, the merchandise code of the merchandise to be purchased is input using the ten-key K44 or the PLU key K51 (step S11). After confirming the product on the guidance panel 13, press the section number key K32 (step S1).
2).

Next, the quantity of the purchased product is input using the numeric keypad K44 (step S13). After confirming the quantity on the guidance panel 13, the quantity key K33 is pressed (step S14).

Next, the user inputs the price of the purchased product using the numeric keypad K44 (step S15). After confirming the amount on the guidance panel 13, the enter key K52 is pressed (step S16).

Next, it is determined whether there is a discount for the input product (step S17). If there is a discount, enter the value of the discount amount or discount% of the product using the numeric keypad K44 (step S18), confirm it on the guidance panel 13, and then enter the discount amount key K24.
Alternatively, the user presses the discount% key K23 (step S19). If there is no product discount, the process skips steps S18 and S19 and proceeds to step S20.

Next, it is determined whether or not the input of the purchased product is completed (step S20), and the above operation is repeated until the input of the purchased product is completed.

When the registration of the purchased product is completed, the user presses the total key K53 (step S102). The total purchase amount is displayed on the guidance panel 13.

Next, it is determined whether there is a discount on the entire purchase amount (step S103). If there is a discount, enter the value of the discount amount or discount% of the product using the numeric keypad K44 (step S104), confirm it on the guidance panel 13, and then press the discount key K2.
4 or the discount% key K23 is pressed (step S105). If there is no discount on the entire purchase amount, steps S104 and S1
Skip to step S106 and proceed to step S106.

Next, it is determined whether or not the customer has provided a service point voucher (step S106). If provided, enter the point voucher amount using the numeric keypad K44 (step S107), confirm it on the guidance panel 13, and then
Press K25 (step S108). If no voucher is provided, skip steps S107 and S108
Proceed to S109.

Next, the deposit amount from the customer is entered using the numeric keypad K44 (step S109), and after confirmation on the guidance panel 13, the deposit / registration key K53 is pressed (step S110).

When the above input is completed, the change amount is calculated by the control unit 11 and displayed on the guidance panel 13 (step S11).
1). The salesperson prepares the displayed change amount.

Almost simultaneously with the display of the change amount, the receipt issuer 15 issues a receipt R (step S112), and ends a series of operations in the cash mode.

Details of the receipt R issued in the cash mode will be described with reference to FIG. The receipt R describes sales information such as the name of the sold product, the quantity, and the price.

At the top of the receipt R, a store name column R10 is arranged.
In the store name column R10, the name of the store that issued the receipt R and concluded the sales contract is described. In this embodiment, a telephone number is described together with the name of the store, "M & C Store Ikebukuro Store". The word "Thank you every time" is written below the shop name column R10.

Below the store name column R10, a product name / model / quantity / price column R11 is arranged. In the product name / model / quantity / price column R11, the name and model of the product to be sold, and the quantity and price are described. In the present embodiment, the product name and model are described as “slacks” and “kutsita”, and the quantity and price are “01” pieces, “4000” yen, “01” pieces,
It is described as "1000" yen.

Below the product name / model / quantity / price column R11, a total amount column R12 containing the total amount of sales, a tax amount column R13 containing the consumption tax amount, and cash showing the target cash price of this sale A price column R14, a deposit amount column R15 in which a deposit amount is described, and a change amount column R16 in which a change amount is described are arranged. In this embodiment, the total amount column R12 is described as "5000" yen, the tax amount column R13 is described as "150" yen, which is 3% of 5000 yen, and the cash price column R14 is the total amount of the total amount and the tax amount. "5150"
It is described as "10000" yen in the deposit amount column R15, and 5150 yen is subtracted from 10,000 yen in the change amount column R16.
A 50 "circle is listed.

These product name / model / quantity / price column R11, total amount column R1
2. The tax amount column R13, the cash price column R14, the deposit amount column R15, and the change amount column R16 function as a sales statement column.

At the bottom of the receipt R, a receipt ticket issuance time column R17 in which the receipt R is issued, that is, the contract date is arranged. In this embodiment, the time is described together with the date, and the fact that the transaction was performed at 15:15 on March 20, 1990 is described as "90-03-20 15:15".

Card Cash Mode (FIGS. 6 and 7) The card cash mode is a mode in which goods are sold in cash using the customer card C. The operation in the card cash mode is shown in the flowchart of FIG. 6, and a specific example of the receipt R issued in the card cash mode is shown in FIG. The description of the same contents as in the cash mode shown in FIGS. 3 to 5 is omitted or simplified.

First, the salesperson inserts the customer card C into the reader / writer 14. The reader / writer 14 reads the customer card number and the accumulated points from the customer card C (step S121).

The subsequent operations from product registration to receipt issuance (steps S101 to S112) are the same as those in the cash mode described above.

After issuing the receipt R, the points newly generated by the current sales are added to update the accumulated point value (step S122). When the cumulative point value exceeds a predetermined value, for example, 500 points, the cumulative point value is updated by subtracting 500 points from the cumulative point value, and the receipt issuer 15 issues a point voucher for 500 points. Issue (step S123). After updating the cumulative points, the reader / writer
The customer card C is ejected from 14 and returned to the customer, ending a series of operations in the card cash mode.

Details of the receipt R issued in the card cash mode will be described with reference to FIG.

Below the change amount column R16, a card number column R20 in which the customer's card number is described is arranged. The card number is written to identify the customer who is the contractor of the sales contract. In this embodiment, "01-0001-000001-1" is entered in the card number column R20.
It is described. This card number column R20 functions as a customer column.

Below the card number column R20, an inquiry number (transaction identification number) column R22 in which an inquiry number is described is arranged. Since this transaction is specified by this number, it also functions as a transaction specification number column. In this embodiment, "0001-01-00
01-000001-1 ".

Under the inquiry number column R22, as a point column, a point corresponding to the total purchase amount this time is described as a point column R23 on the day, and a cumulative total of the purchase amount for a predetermined time including the point on the day until the present purchase. A total point column R24 in which the total points according to the purchase amount are described is provided.
In this example, 1/100 of the purchase amount is 1 point,
For the total purchase price of 5000 yen, the current point “50 points” is described, and the updated total points including this 50 points are described as “91 points”.

Card Division Mode Next, the operation of the card division mode in which credit sales are performed using the customer card C will be described. The allocation pattern in the card division mode in the present embodiment includes three types of installment sales methods: standard payment, designated payment (excluding double payment), and bonus combined payment.

Next, the operation in each mode will be described in detail. Third
The description of the same contents as those in the respective modes shown in FIGS. 7 to 9 will be omitted or simplified.

Standard Payment (FIGS. 8 and 9) Standard payment is a standard card division mode in which installment sales are performed with no down payment and the number of payments specified by the customer. The operation of the standard payment is shown in the flowchart of FIG. 8, and a specific example of the receipt R issued by the standard payment is shown in FIG. 80,0
The case where a suit of 00 yen and shoes of 20,000 yen are sold will be described as an example.

First, the salesperson presses down the credit key K12 (step S151) to set the POS terminal device 10 to the card division mode.
Which allocation pattern in the card split mode is
Select later.

Next, the salesperson inserts the customer card C into the reader / writer 14 and reads the customer card number and the accumulated points (step
S121). Since credit sales are performed in the card division mode, the POS terminal device 10 performs a credit inquiry in the next step S132. The customer card number read by the reader / writer 14 is sent from the store computer 18 to the front-end processor 20 via a communication line, and further sent to the host computer 30 for use inquiry. The host computer 30 determines whether the merchandise can be sold to the customer based on the customer information recorded in the customer database 32 (step S133). The determination result by the host computer 30 is sent from the front-end processor 20 to the POS terminal device 10 from the store computer 18 via a communication line, and is displayed on the guidance panel 13 as a code.

If it is determined by the host computer 30 that credit should not be sold, the customer card C is returned and the credit sales are refused to the customer. If a credit judgment is made that credit sales may be performed, a series of operations starting from product registration is started.

First, the operations from product registration to discount input (step
S101 to S105) are the same as those in the cash mode described above.

After the discount input, an allocation pattern for card division is input (step S152). A predetermined numerical value of the allocation pattern is input using the ten keys 44. Here, a numerical value “1” indicating the standard payment is input, and the enter key K52 is pressed (step S153).

Next, the customer's desired number of payments is entered using the numeric keypad K44, confirmed on the guidance panel 13, and then the enter key K52 is pressed (step S162). In this specific example, the desired number of payments is “5”.

Next, the front-end processor (FEP) 20 performs allocation calculation based on the sales amount and the number of payments desired (step S163). As a result of the allocation calculation, when the customer approves the input sales amount and the desired number of payments, the process proceeds to the next step S137. If the customer does not approve, the process returns to step S152 and re-inputs from the allocation pattern (step S164). The allocation calculation may be performed by the host computer 30 or the store computer 18 or the POS terminal device 10.

Next, the payment start date is displayed on the guidance panel 13 for confirmation (step S137). The customer declares the payment date when applying for a card and registers it in the customer database 32 in advance. For example, assuming that the customer has declared 30 days, the monthly total lump-sum payment mode of this embodiment indicates that
April 30 is the month following the month. After confirming the payment start date displayed on the guidance panel 13, enter key K52
Is pressed (step S138).

Thereafter, the deposit / registration key K54 is pressed (step S11).
0), issue a receipt bill (step S140), update a customer card (step S122), and issue a point exchange ticket (step S123).

However, in the card cash mode, the receipt R is issued as a receipt in the card cash mode, whereas in the card split mode, the receipt R having a bill function is issued in the step S140. I do.

Details of the receipt R issued by the standard payment of the card division will be described with reference to FIG. The receipt R includes sales information such as the name, quantity, and price of the sold product, as well as credit information such as a billing statement, payment, and the number of payments.

In the product name / model / quantity / price field R11, the product name /
The model is described as "suit" or "shoes", and the quantity and price are "01" pieces, "80000" yen, "01"
It is described as "20,000" yen. "100,000" yen is described in the total amount column R12 in the sales details column, and the tax amount column R13
"3,000" yen, which is 3% of 100,000 yen, and the cash price column R14 is the total amount of the total amount and tax amount of 103000 "
It is written as a circle.

Below the cash price column R14, a down payment column R30, which is a down payment for credit sales, is arranged. The down payment is the amount to be paid at the time of the credit sales contract, and is required to be described in the case of individual product installment according to the installment sales method. In this embodiment, since the payment is standard, "0" yen is described as the down payment.

Below the down payment column R30, the deposit amount column R where the deposit amount is described
15, a change amount column R16 in which the amount of fishing is described is arranged. In this embodiment, since the down payment is 0 yen, no cash is exchanged, and the deposit is described as “0” yen and the change is described as “0” yen.

Under the change amount column 16, installment (credit) fee column R3
1 and installment (credit) price column R32 are arranged,
The installment (credit) fee column R31 describes “3100” yen as a credit fee, and the installment (credit) price column R32 describes “106100” yen.

In the case of the standard payment in the card division mode, since the receipt R also has a function as a bill, a bill beginning with a billing text column R33 is described below the credit description column. Under the wording "Invoice", "Please check the following content and installment sales rules and pay."

Below the claim text field R33, the above-mentioned card number field R20,
A customer name column R21 and an inquiry number (contract number) column R22 are arranged.

Below the inquiry number (contract number) column R22, a credit type column R34 indicating the type of credit is arranged. In this embodiment, it is described as “standard payment”.

Below the credit type column R34, a payment / payment number / period column R35 describing division details of the payment, the number of payments, and the period in credit sales is arranged. In the present embodiment, the standard number of payments is determined to be five, so the installment payment / number of payments / period column R35 includes the first installment price of “21300” yen and the number of payments of “× 1”. Are described, "21200" yen, which is the 2nd to 5th split price, and "x4", which is the number of payments, are described.

Below the payment / number of payment / period column R35, a payment start date column R36 in which the payment start date is described is arranged. As described above, the payment date is automatically set by the host computer 30 based on the payment date determined by the customer at the time of card application. In the present embodiment, "April 30" is described.

Below the payment method column R37, a product delivery time column R38 that describes the delivery time of the product is arranged. The delivery time of the product can be either when the product is delivered on the date of purchase (described as "I am today") or when the product is delivered later ("xx month x
× day todoke ”) or later when you come to the store (“ x
X month xx day lighten "). The sales person may operate the POS terminal device 10 according to the customer's selection at the time of selling the credit, the POS terminal device 10 may automatically determine the merchandise depending on the product, or deliver the product to sell the credit on the purchase date. It may be limited to those that can be performed and automatically described as "today's product."

Below the product delivery time column R38, a service description column R39 indicating whether or not there is a service serving as a product sale condition is arranged. This is required to be stated in the Installment Sales Act in the case of individual product installment, and in this embodiment, it is described as "no service which becomes the product sales condition".

In this specific example, the points this time are the total purchase amount of 100,
This is 1000 points of 1/100 of 000 yen, and adding 41 points of the total points up to the previous time gives a total point of 1041 points, which is 500 points or more. Therefore, two 500 ticket exchange tickets are issued in step S123. Therefore, the accumulated points after the voucher issuance are 41 points. However, "1000" is described in the day point column R23 of the receipt before the exchange ticket issuance, and "1041" is described in the cumulative point column R24.

Other items are the same as the receipt in the card cash mode.

Designated payment (Fig. 10 and Fig. 11) In designated payment, the customer specifies the conditions of the down payment and the number of payments,
This is a card division mode in which installment sales are performed under conditions specified by the customer. The operation of the designated payment is shown in the flowchart of FIG. 10, and a specific example of the receipt R issued by the designated payment is shown in FIG. The description of the same contents as in the case of the standard payment is omitted.

First, starting from pressing the credit key K12 (step S151), reading of the customer card (step S121), credit inquiry (steps S121, S132, S133), product registration (steps S101, S102), and discount input (step S103) ~ S105)
I do.

After the discount input, in the input of the card division allocation pattern (step S152), a numerical value "2" indicating the designated payment is input, and the enter key K52 is pressed (step S153).

Next, the customer inputs the desired down payment using the numeric keypad K44 (step S171), confirms it with the guidance panel 13, and presses the enter key K52 (step S172). Next, the installment payment is entered using the numeric keypad K44 (step S173),
After confirmation on the guidance panel 13, the enter key K52 is pressed (step S174). Next, enter the number of payments you want
Input using K44 (Step S175), guidance panel 1
After confirming in step 3, press enter key K52 (step S17).
6). In this specific example, the down payment is “10000” yen, the installment payment is “109000” yen, and the desired number of payments is “5”.

Next, the front-end processor (FEP) 20 performs the allocation calculation according to the desired conditions (step S163). As a result of the allocation calculation, if the allocation is possible, the process proceeds to the next step S37, and if the allocation is not possible, the process returns to the step S152. Re-input from the allocation pattern (step S164).

Then, display and confirm the payment start date (step S137,
S138), down payment display (step S139), point voucher input (steps S106 to S108), deposit amount input and registration (steps S109, S110), change amount display (step S1)
11), issue a receipt bill (step S140), update the customer card (step S122), and issue a point voucher (step S123).

Receipt R issued by designated payment in card split mode
Will be described with reference to FIG.

In this specific example, since the down payment is 10,000 yen, the down payment column R30 is described as "10000", the deposit amount column R15 is described as "10000", and the change amount column R16 is described as "0". The installment fee column R31 is described as "2000" and the installment price column R32 is displayed as "95.
000 ".

“Designated payment” indicating the credit type is described in the credit type column R34.

Since the installment payment is 19,000 yen and the desired number of payments is 5, the first to fifth installment payment / number of payment / period columns R41
"19000" yen, which is the price of the split, and "x", which is the number of payments
5 "is described.

Other items are the same as the receipt for standard payment.

Bonus Combination Payment (FIGS. 12 and 13) The bonus combination payment is a card division mode in which the sales price excluding the down payment is paid more in the bonus month than in the usual month.
The operation of the bonus combined payment is shown in the flowchart of FIG. 12, and a specific example of the receipt R issued by the bonus combined payment is shown in FIG. The description of the same contents as those of the standard payment and the designated payment is omitted.

First, starting from pressing down the credit key K12 (step S151), reading of a customer card (step S121), credit inquiry (steps S121, S132, S132), product registration (steps S101, S102), discount input (step S103) ~ S105)
I do.

After inputting the discount, in inputting the allocation pattern of the card division (step S152), a numerical value "3" indicating the bonus combined payment is input, and the enter key K52 is pressed (step S153).

Next, after inputting the down payment (steps S134 to S136), inputting the installment payment for the example month other than the bonus month (step S134).
S191, S192), input of the total number of payments (steps S193, S19)
4) Enter the bonus month payment (steps S195, S19)
6) Enter bonus month type (steps S181 and S182)
I do.

Next, the payment start date is displayed on the guidance panel 13 (step S137). After confirmation, the enter key K52 is pressed (step S138).

Next, the front-end processor (FEP) 20 performs the allocation calculation according to the desired condition (step S163). As a result of the allocation calculation, if the allocation is possible, the process proceeds to the next step S139, and if the allocation is not possible, the process returns to the step S152. Re-input from the allocation pattern (step S164).

Subsequently, a down payment is displayed (step S139), a point voucher is input (steps S106 to S108), a deposit amount is input and registered (steps S109 and S110), and a change amount is displayed (step S109).
(S111), issue a receipt bill (step S140), update the customer card (step S122), and issue a point voucher (step S123).

Details of the receipt R issued by the bonus combined payment in the card division mode will be described with reference to FIG.

In this specific example, since the down payment is 0 yen, the down payment column R30 is described as "0" yen, the deposit amount column R15 is described as "0", and the change amount column R16 is described as "0". . In the installment fee column R31, `` 2300 '' is described, and in the installment price column R32, `` 1053 ''
00 ".

In the credit type column R34, "Bonus combined payment" indicating the credit type is described.

Because it is a bonus combined payment, installment payments, number of payments,
In the period column R41, the monthly installment payment “5000” yen and the number of payments “× 4” are described, and the next row describes the bonus monthly payment “85300” yen and the number of payments “× 1”. Is done.

Other items are the same as the receipt for standard payment.

As described above, according to the present embodiment, one POS terminal device can cope with not only cash sales but also installment sales. In particular, since a receipt invoice with the necessary items in installment sales can be automatically issued, the burden on sales staff is reduced compared to the conventional slip method, and credit sales are quick even for non-experts It can be performed.

The present invention is not limited to the above embodiment, and various modifications are possible. For example, in the above embodiment, the present invention was applied to a POS terminal device that displays various guidance contents on a guidance panel.
The present invention may be applied to a POS terminal device with a CRT that displays various guidance contents on an RT screen. Since a lot of information can be displayed on the CRT screen, basically the POS terminal device of the embodiment except that the mode can be selected by menu selection from the CRT screen and many key input contents can be displayed at once Is the same as

In the above embodiment, a magnetic card is used as a customer card, but a card such as an IC card may be used as long as the medium can read and write information.

(Effect of the Invention) As described above, according to the present invention, the burden on the salesperson is reduced,
Credit sales can be performed quickly even by non-experts.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an installment sales management device according to an embodiment of the present invention, FIG. 2 is a diagram showing a keyboard of the installment sales management device, and FIGS. 3 and 4 are installment sales management devices. Flow chart of the operation of the device in the cash mode, FIG. 5 is a diagram showing a receipt in the cash mode, FIG. 6 is a flowchart of the operation of the installment sales management device in the card cash mode, and FIG. FIG. 8 is a flowchart showing a receipt in the card installment mode in the standard payment operation in the card installment mode, FIG. 9 is a view showing a receipt in the card installment mode in the standard installment, FIG. Is a flowchart of the operation of the designated payment in the card split mode of the installment sales management device, FIG. 11 is a diagram showing a receipt in the designated payment in the card split mode, FIG. FIG. 13 is a flowchart showing the operation of the installment sales management apparatus for the bonus combined payment in the card division mode. FIG. 13 is a diagram showing a receipt in the bonus combined payment in the card division mode. In the figure, 10: POS terminal device 11: Control unit 12: Keyboard 13: Guidance panel 14: Reader / writer 15: Receipt ticket issuing machine 18: Store computer 20: Front end processor 22: Log file 30 Host computer 32 Customer database 34 Card point master 36 Credit master

Continuation of the front page (58) Field surveyed (Int.Cl. ⁶ , DB name) G07G 1/00-5/00 G07F 7/08

Claims (3)

(57) [Claims] 1. Card reading means for reading customer information from a customer card, data input means for inputting sales data relating to sold goods and installment data relating to installment sales conditions, and data holding means for storing other data Calculating means for calculating payment for installment sales based on the sales data and installment data input by the data input means, and issuing a receipt that can be used in place of a voucher for installment sales, in addition to a normal receipt POS terminal device having a receipt issuing means capable of receiving data from the card reading means, data from the data input means, data from the data holding means, and data from the calculating means. Based on at least the name of the store that issues the receipt, the time when the receipt is issued, Product name and price of installment sales product, installment sales down payment, installment fee and installment price, customer data, number identifying installment sales contract, installment payment, number of payments and payment period, and product delivery period An installment sales management device characterized by issuing a receipt which can be used in place of a voucher for installment sales, which is printed on receipt paper indicating whether or not there is a service as a condition for selling the product. 2. The installment sales management device according to claim 1, wherein said customer card is a magnetic card. 3. The installment sales management device according to claim 1, wherein said customer card is an IC card.