JP2942966B2 - Revolving installment sales management system - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to a revolving-type installment sales management apparatus, and more particularly, to an installment used when selling goods in an installment manner in department stores, retail stores, and the like. Related to sales management device.

(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 goods and the like with credit to customers, and is classified into an installment sales method and a non-installment sales method. The installment sales method is stipulated in the installment sales method, and it covers the period of two months or more from the buyer and
This sales form is based on the condition that the price is divided and received more than once. 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, which provide a comprehensive contract for installment sales in consideration of the purchaser's solvency prior to the sale of individual products, and surveys of the buyer's solvency each time a product is sold. In addition to individual installment sales with a sales contract, revolving installment sales are performed using a predetermined payment method, such as selling products within a predetermined limit and paying a fixed amount every month. There is.

There are various restrictions on installment sales by the installment sales method. In particular, in revolving-type installment sales, it is necessary to clearly specify the conditions set by the installment sales method for each transaction. For this reason, when performing revolving-type installment sales, a voucher for revolving-type installment sales is prepared, and necessary information is filled in and provided 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. In particular, revolving installment sales are allowed to pay a fixed amount every month irrespective of the amount of credit used within the limit amount, so it is easy to use it without considering the amount paid Can be.

(Problems to be Solved by the Invention) As described above, in recent years, despite the frequent occurrence of small-volume revolving-type installment sales and an increase in the number and types of products to be handled, sales personnel still use revolving-type revolving systems. The required items must be filled out on the voucher for installment sales each time. For this reason, when the number and types of products to be handled increase, the entry of a slip is extremely complicated and troublesome, and the revolving installment sale takes a very long time due to the entry of the slip, which inconveniences customers. was there. In addition, since the description of the slip must be based on the revolving installment sales method or a description based on it, it requires a certain level of skill, and if it is not accustomed to installment sales, errors tend to occur. there were.

The present invention has been made in view of the above circumstances, and provides a revolving-type installment sales management device that can reduce the burden on sales staff and can quickly perform revolving-type installment sales even for non-experts. Aim.

(Means for Solving the Problems) The revolving-type installment sales management device according to the present invention comprises:
Card reading means for reading customer information from a customer card, data input means for inputting sales data on sold goods and revolving method installment data on conditions of revolving method installment sales, and data holding means for holding other data A means for calculating payment for installment sales based on the sales data and installment data input by the data input means, and a receipt which can be used in place of a voucher for installment sales in addition to a normal receipt. A POS terminal device including a receipt issuing means, 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, and data from the arithmetic means. , The name of the store issuing the receipt and the time of issuing the receipt And the product name, price and total sum of the prices of each product sold by installment sales this time, down payment of installment sales by revolving method, customer data, and a number specifying the revolving method installment sales transaction. In addition, a receipt that can be used in place of a voucher for installment sales in which the product delivery time is printed on receipt paper is issued.

It is preferable that the receipt issuing means prints the current limit balance of the revolving installment sales on the receipt paper.

As the customer card, a magnetic card or an IC card may be used.

Further, it is desirable that the main operating part of the revolving installment sales management device is constituted by a point of sale (POS) terminal device. This is to make effective use of the fact that many items described in the conditions presented in the installment sales are duplicated with the items described in the receipt issued from the POS terminal device at the time of cash sale.

(Operation) In the revolving-type installment sales management device of the present invention, the sales data relating to the sold product and the revolving-type installment installment data, which are the conditions of the revolving-type installment sales, are input by the data input means, and the receipt ticketing means outputs the sales information. At the same time, the receipt on which the revolving-type installment sales information is recorded is automatically issued, so that the revolving-type installment sales can be quickly performed even by a non-expert.

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

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 of the present embodiment is compatible with revolving 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. I have.

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.

In addition, the POS terminal device 10 is provided with a receipt issuing device 15, which issues a receipt R stating the content of the sale as a receipt in the case of cash sale, and the items necessary for the installment together with the content of the sale in the case of installment sale. Issue a receipt R stating

A plurality of POS terminal devices 10 provided in each store are controlled by a store computer 18 provided in each store. Note that 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.

As shown in FIG. 2, the keyboard 12 is divided into three parts, and is provided with an OK key 26 on the left side of the center numeric key. 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 Key K3 used for entering items for which regular discounts do not apply, such as repeat key K34 used for bargain products
5. A decimal point key 36 for inputting a decimal point is 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.

At the top of the right area of the keyboard 12 are 30 6 x 5
A PLU (Price Look Up) key K51 is provided. This P
The LU key 51 is a key for directly inputting a product code of a frequently input product, and can be assigned to each store. At the bottom, an 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 amount of the point voucher using the numeric keypad K44 (step S107), confirm it on the guidance panel 13, and then use the voucher key K2.
5 is pressed (step S108). If no voucher is provided, skip steps S107 and S108 and skip to step S1.
Go to 09.

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. In the receipt R, sales information such as the name of the sold product and the quantity price is described.

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 / 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 is described, and a change amount column R16 in which a change amount is described are arranged. In the present embodiment, "5000" yen is described in the total amount column R12, and the tax amount column R
13, "150" yen, which is 3% of 5000 yen, is described in the cash price column R14 as "5150" which is the total amount of the total amount and the tax amount, and "10000" yen is displayed in the deposit amount column R15. It is described,
Change amount column R16 "4850" which subtracted 5150 yen from 10,000 yen
Yen is listed.

These product name / model / quantity / price column R11, total value 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 ". 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, "01-0001-
000001-1 ".

Below the inquiry number column R22, as a point column, points on the day point column R23 in which points according to the total purchase amount this time are described, and a cumulative total of the purchase amount for the specified period up to the time of this purchase including the points on the day 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 division mode in which credit sales are performed using the customer card C will be described. There are seven types of allocation patterns in the card division mode: revolving payment, one-time payment, standard payment, designated payment, bonus lump-sum payment, bonus combined payment, bonus twice payment, and revolving payment. Although the present invention can be applied to all types, it is not directly related to the present invention except for the revolving method payment, so that the other description is omitted.

Next, the operation in the revolving type payment mode will be described in detail. The description of the same contents as those in the respective modes shown in FIGS. 3 to 7 will be omitted or simplified.

Revolving payment (Fig. 8, Fig. 9 and Fig. 10) Revolving payment is a method in which products are sold within a predetermined limit and payment is made at a fixed monthly rate. This is a card division mode performed by a method. The operation of the revolving type payment is shown in the flowchart of FIG. 8, and a specific example of the issued receipt R is shown in FIGS. 9 and 10. In the revolving method payment, as in the cash mode, the card cash mode, and the monthly total lump-sum payment mode, a case in which slacks of 4000 yen and kutsita of 1000 yen are sold one by one 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 is sold in the revolving payment 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 a credit 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). Host computer 30
The determination result by the POS terminal device 1 from the store computer 18 via the communication line from the front-end processor 20
It is sent to 0 and 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, enter the number "1" indicating revolving payment, and press the Enter key.
K52 is pressed (step S153). In the case of an apparatus that performs only revolving payment, this mode may be specified in step S151, and steps S152 and S153 may be omitted.

Thereafter, an input operation of the down payment is performed. First, it is determined whether there is a down payment (step S134). If there is a down payment, enter the amount using the numeric keypad K44 (step S13).
5) After confirmation on the guidance panel 13, the enter key K52 is pressed (step S136). If there is no down payment, skip steps S135 and S136 and proceed to step S137.

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 K5
Press 2 (step S138).

Next, the down payment is displayed on the guidance panel 13 for confirmation (step S139).

Subsequent input of service point voucher (steps S106-108), input and registration of deposit amount (step S106)
109, S110), change amount display (step S111), customer card update (step S122), and issuance of a point voucher (step S123) are the same as the operations in the card cash mode.

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

Next, a receipt R issued by revolving payment
An example will be described with reference to FIG.

On the receipt R of the present embodiment, a description column for describing the items necessary for the installment sales is arranged along with a description column for describing the items necessary for the sales record, and the predetermined items are described in each column. .

At the top is a store name column R1. In the store name column R1,
The name of the store that issued the receipt R and signed the installment 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 R1.

Under the store name column R1, a product name / model / quantity / price column R2 is arranged. In this product name / model / quantity / price field R2,
The name and model of the product that was subject to installment sales, 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 of each are "01" pieces, "4000" yen, "01" pieces,
It is described as "1000" yen. In the case of the conventional voucher method, it was necessary to hand-write the details of the products targeted for these installment sales on the voucher, but in the present embodiment, for example, by reading the barcode attached to the product, the POS terminal 10 This can be automatically described on the receipt R, and the labor of the salesperson can be saved. In particular, in recent years, as described above, the types of products to be sold at one time have been increasing, and according to the present embodiment, the details of the products can be automatically described without handwriting, and the labor saving effect is extremely large.

Below the product name / model / quantity / price column R2, a total amount column R3 containing the total amount of sales, a tax amount column R4 containing the consumption tax amount, and the target cash price of this installment sale A cash price column R5 is arranged. In this embodiment, the total amount column R3
Is described as "5000" yen, the tax amount column R4 is described as "150" yen which is 3% of 5000 yen, and the cash price column R5 is described as "5150" yen which is the total amount of the total amount and the tax amount. ing. These are also automatically calculated and recorded by the POS terminal 10.

These product name / model / quantity / price column R2, total amount column R3,
The tax amount column R4 and the cash price column R5 function as sales amount details columns.

Below the cash price column R5, the down payment column, which is the down payment for installment sales
R6 is arranged. The down payment is the amount paid during the installment sales transaction, and is required to be stated under the installment sales law.
However, in this embodiment, although the down payment column R6 exists, the POS terminal 10 automatically writes "0" yen. This is because if a contract involving the transfer of cash as a down payment can be made at the time of installment sales, the operation of the POS terminal 10 becomes complicated, and a salesperson who is not accustomed to installment sales is likely to make mistakes. Therefore, in this embodiment, although the down payment column R6 required by the installment sales method is provided,
The operation for the POS terminal 10 is simplified as a circle.

Below the down payment column R6, a card number column R7 for describing the customer's card number and a customer name column R8 for describing the customer name are arranged. The card number and customer name are written to identify the customer who is the contractor of the installment sales contract. In this embodiment, "01-0001-000001-1" is described in the card number column R7, and "MC Taro Sama" is described in the customer name column R8.

These card number column R7 and customer name column R8 function as customer columns.

Below the customer name column R8, an inquiry number (transaction identification number) column 9 that describes the inquiry number is arranged. Since this transaction identifies this transaction, it also functions as a transaction identification number field. In this embodiment, “0001-01-0000
01-1 ".

Below the inquiry number (transaction identification number) column R9, there is arranged a credit usage amount column R10 that describes the usage amount by revolving installment sales. In the present embodiment, it is described as "5150 yen" obtained by subtracting 0 yen of the down payment from the cash price of 5150 yen.

Below the credit use amount column R10, a product delivery time column R11 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"), when the product is delivered later (described as "XX month XX day time"), or when There is a case of handing over (described as "xx month xx day lighten"). The salesperson may operate the POS terminal 10 according to the customer's selection at the time of the installment sale, the POS terminal 10 may automatically determine the product depending on the product, or deliver the product to be installed and sold on the purchase date. The information may be limited to those that can be used, and may be automatically described as "today's product."

Under the product delivery time column R11, as a point column, a point corresponding to the total purchase amount of this time is described as a point column R12 on the day, and the purchase amount of the predetermined period including the point on the day until the present purchase is accumulated. A total point column R13 in which the total points according to the total purchase amount are described is provided. In this embodiment, 1/100 of the purchase amount is 1 point.
Points), and the total points including this 50 points are `` 93
Point ".

Below the accumulated point column R13, a receipt ticket issuance time column R14 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 January 20, 1990 is described as "90.01.20 15:15".

As described above, according to the present receipt, by describing the sales conditions necessary for the revolving-type installment sales on the receipt and presenting the sales conditions, the requirements specified in the installment sales method can be satisfied. Therefore, the salesperson can perform the installment sales only by performing a very simple operation, the burden on the salesperson can be reduced, and quick revolving installment sales can be performed even for a non-skilled person. What's more, the receipt R
The record can be stored as a journal in the POS terminal 10, and complicated slip management is not required.

Next, another example of the receipt R will be described with reference to FIG.
The same components as those of the receipt R shown in FIG. 9 are denoted by the same reference numerals, and description thereof will be omitted.

This embodiment is characterized in that a limit balance column R15, a next payment date column R16, a payment method column R17, and a credit type column R18 are provided in addition to the items described in the receipt R shown in FIG.

Of these, the limit balance R15, next payment date column R16, payment method column R17, credit usage column R10 and product delivery column R1
Is inserted between one.

Below the credit usage column R11, the remaining balance column that describes the current remaining balance in revolving installment installment sales
R15 is arranged. In the present embodiment, "163,850 yen" is described. The customer can see the description in the limit remaining amount column R15 to know the remaining amount that can be purchased at the present time, which is convenient for making a purchase plan.

Below the limit balance column R15, a next payment date column R15 in which the next payment date is described is arranged. 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, but in order to make sure the customer knows the next payment date, in this embodiment, , "Yori on February 30".

Below the next payment date column R15, a payment method column 17 in which a payment method is described is arranged. Payment methods include "Goraitenbalai", which customers pay when visiting a store,
There is "Ginjibarai", which is automatically debited from the customer's bank account, and "Yujibari", which is automatically debited from the customer's post office account. The host computer 30 determines the payment method specified by the customer at the time of the revolving installment installment sales contract.
The data is sent to the terminal 10 and printed automatically.

On the other hand, the credit type column R18 is provided between the inquiry number (transaction identification number) column R9 and the credit amount column R10. This indicates the type of credit selected by the customer when credit sales other than revolving-type installment sales can be used with the same customer card C. In the present embodiment, "Revovali" indicating that the revolving method is installment sales is described. For other types of credits, indicate so. For example, in the case of paying once a month, “1 time balai” is described, and in the case of paying once bonus, “1 balai” is described. At this time, the payment date may be described in the next payment date column R16.

As described above, according to the present embodiment, one POS terminal device can handle not only cash sales but also revolving installment sales. In particular, since the receipt invoice that describes the necessary items in the revolving installment sales can be automatically issued, compared to the conventional slip method,
The burden on the sales staff can be reduced, and credit sales can be quickly performed even for non-experts.

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

Further, in the above embodiment, the magnetic card is used as the customer card. However, another 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,
Even non-experts can quickly perform revolving installment sales.

[Brief description of the drawings]

1 is a block diagram showing a POS terminal device according to an embodiment of the present invention, FIG. 2 is a diagram showing a keyboard of the POS terminal device, and FIGS. 3 and 4 are cash mode operations of the POS terminal device. FIG. 5 is a diagram showing a receipt in the cash mode, FIG. 6 is a flowchart of an operation in the card cash mode of the POS terminal device, FIG. 7 is a diagram showing a receipt in the card cash mode, FIG. Is a flowchart of an operation of revolving payment in the card division mode of the POS terminal device, FIG. 9 is a diagram showing an example of a receipt in the revolving payment in the card division mode, and FIG. 10 is another example of the receipt. FIG. In the figure, 10 ... POS terminal device, 11 ... Control unit, 12 ... Keyboard, 13 ...
Guidance panel, 14 reader / writer, 15 receipt issuer, 18 store computer, 20 front end processor, 22 log file, 30 host computer, 32 customer database, 34 card point master, 36 credit master .

──────────────────────────────────────────────────続 き Continued on front page (58) Field surveyed (Int.Cl. ⁶ , DB name) G07G 1/12

Claims (4)

(57) [Claims] 1. Card reading means for reading customer information from a customer card, data input means for inputting sales data on sold goods and revolving installment data on conditions of revolving installment sales, and holding other data Data holding means, calculating means for calculating payment for installment sales based on the sales data and installment data input by the data input means, and other than a normal receipt, used in place of a voucher for installment sales PO with receipt issuing means for issuing a receipt that can be issued
S terminal device, the receipt ticket issuing means,
Based on the data from the card reading means, the data from the data input means, the data from the data holding means, and the data from the arithmetic means, at least the name of the store issuing the receipt, the time of issuing the receipt, and the current revolving method. Product name and price of each product sold in installment, and total amount of the price, down payment of revolving installment sales, customer data, number identifying this revolving installment sales transaction, and delivery time of product Characterized by issuing a receipt that can be used in place of a voucher for installment sales, which is printed on receipt paper. 2. The receipt issuing means according to claim 1,
2. The revolving-type installment sales apparatus according to claim 1, wherein a current limit balance of the revolving-type installment sales is printed. 3. The revolving-type installment sales management apparatus according to claim 1, wherein said customer card is a magnetic card. 4. The revolving-type installment sales management device according to claim 1, wherein said customer card is an IC card.