JP2952118B2 - Credit processing equipment - 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 apparatus used in a retail store that permits payment of purchased goods by credit.

[0002]

2. Description of the Related Art A conventional credit processing apparatus capable of processing payment by credit of a purchased product sold and registered by a product registration means includes a slip printer for printing and issuing a credit slip, a receipt / journal printer for printing and issuing a receipt, and a credit. A magnetic card reader for reading card information of a card, various keys for inputting information on products, a credit key for declaring payment by credit, a credit method for designating and inputting a credit method such as lump-sum payment, installment payment, etc. The system is provided with input / output devices such as a keyboard provided with keys and the like, a CRT display for displaying the amount of goods registered for sale, the total amount of customers, and the like, and these are controlled by the main body control unit.

The credit processing device is connected to a host device through an interface and a communication line.
Under the control of the main body control unit, the credit processing data is transmitted to the host device at appropriate times, and is managed by the host device.

[0004] The credit slip has a customer signature field, and the customer who gave the credit is signed to prevent fraud. For this reason, when payment processing by credit occurs, it takes a long time to check the feasibility of the credit and print the credit slip, making the customer wait, and signing the credit slip is troublesome for the customer, Service was poor.

[0005] Therefore, for example, when the credit method is a lump-sum payment and the credit amount is less than a predetermined limit, a signature is not required without issuing a credit slip, thereby shortening the processing time and simplifying the work by the signature. There was operation to aim at.

Conventionally, as a credit processing apparatus corresponding to such an operation, when a payment for a purchased product registered for sale by a product registration means is declared by credit, a credit method and a credit amount are checked, and a specific credit method is determined. An apparatus has been developed and put to practical use in which a credit slip is not printed only when the credit amount is less than a preset limit.

[0007]

However, the conventional data processing apparatus in which printing on a credit slip is not performed when the predetermined conditions are satisfied as described above has the following problems.

That is, in a store that handles products with a high exchange rate, such as precious metals, cameras, watches, etc., even if the credit method is lump-sum payment and the credit amount is less than a preset limit, the customer is not paid. It is desirable to have it signed. However, conventional data processing devices of this type do not print on credit slips when predetermined conditions are met, so it is necessary for clerks to create credit slips by hand and have customers sign them. It was a waste of time and effort.

Accordingly, the present invention is designed to print a credit slip having a customer's signature field even if a condition for non-issue of a credit slip is satisfied, when a specific product is included in the purchased product to be credited. An object of the present invention is to provide a credit processing device capable of improving the performance.

[0010]

SUMMARY OF THE INVENTION The present invention is, if payment from the sale registered purchase goods of credit by the commodity registration means is declared, by the slip printer of customer signature
Allows you to print credit slips with name fields
In the credit processing apparatus, sales by product registration means
Total price to store the total price of purchased products registered for sale
Storage means and the total stored by the total amount storage means
Determine if the amount has exceeded a preset limit
Amount determining means, flag setting means for presetting a flag for identifying whether or not the product or section is a specific product or a specific section for which a credit slip is forcibly issued for each product or section for classifying each product, Product determination means for determining from a flag set by the flag setting means whether or not a product belonging to a specific product or a specific department is included in the purchased products registered for sale by the registration means;
The total price of purchased products is set in advance by the price determination means.
Is judged to have exceeded the specified limit or product judgment
By means of purchase specific products or specific department
Slip pudding when it is determined that the product to which it belongs is included
Slip printing to print credit slips
Total price of purchased products by control means and price judgment means
Is determined not to exceed the preset limit, and
Depending on the product judgment means, specific products or
If it is determined that products belonging to a specific department are not included
The credit slip printing operation by the
And non-printing slip non-print control means .

[0011]

According to the present invention having the above-described structure, when the payment of the purchased merchandise registered for sale by the merchandise registration means is declared by credit, the present transaction satisfies the preset condition of not issuing a credit slip. It is determined whether or not the purchased product includes a specific product. Then, only when the condition for not issuing a credit slip is satisfied and no specific product is included, the credit slip is not printed.

On the other hand, when the condition for not issuing a credit slip is not satisfied, or when the condition for not issuing a credit slip is satisfied but a specific product of a purchased product is included, the signature of the customer is required. A credit slip having a customer signature section is printed and issued by the printer.

[0013]

An embodiment of the present invention will be described below with reference to the drawings. In this embodiment, a case where the present invention is applied to a terminal of a point-of-sale (POS) system shown in FIG. 1 will be described in detail.

The POS system shown in FIG. 1 comprises a host device 1, a file processor 2 and a plurality of terminals 3, each of which is connected by a communication line 4.

The host device 1 controls the file processor 2 and each terminal 3 and manages sales data and credit-related data of the store. The file processor 2 is located between the host device 1 and each terminal 3,
The exchange of data between the host device 1 and each terminal 3 is controlled.

Each terminal 3 is located at a store, and executes a product registration operation by an operation of an operator. Each terminal 3 can process payment for the purchased merchandise by credit.

FIG. 2 is a block diagram showing the configuration of the main part of each terminal 3. As shown in FIG. Each terminal 3 has a CPU (central processing unit) 11 as a main body control unit.
It has a ROM (Read Only Memory) 12 and a RAM (Random Access Memory) 13 as a main storage controlled by the PU 11.

Each terminal 3 has a clock section 14 for measuring the date and time, an I / O port 16 for outputting a drive signal to a drawer opening device 15 for opening a drawer (not shown) for storing cash and the like. An interface 1 for controlling transmission and reception of data through the communication line 4
7 are controlled by the CPU 11.

Further, each terminal 3 has a slip printer 18 for printing and issuing credit slips, a receipt / journal printer 19 for printing and issuing receipts, and a CRT display 2 for displaying the price of goods and the total amount of customers.
0, a magnetic card reader 21 for reading card information of a credit card, and a keyboard 22 for input / output devices.
It is configured to be controlled by the CPU 11 via 24, 25, 26, 27.

The CPU 11, ROM 12, RAM 1
3, clock section 14, I / O port 16, interface 1
7 and the controllers 23 to 27 are mutually connected via bus lines 28 such as an address bus and a data bus.

FIG. 3 shows an arrangement of main keys provided on the keyboard 22. The keyboard 22 has a number key 31 for inputting numerical data such as the number of items sold and the amount of money. A plurality of preset department keys 3 in which department codes for classifying each product are preset.
2. A subtotal key 33 for instructing the output of the subtotal amount, a division key 34 indicating that the numerical data set by the numerical key 31 is a division code, and the numerical data set by the numerical key 31 to amount data. Amount key 3 indicating that
5, a multiplication key 36 indicating that the numerical data set by the set key 31 is a multiplier, a credit key 37 for declaring payment by credit of purchased goods registered for sale, cash of purchased goods registered for sale. Various keys are provided, such as a deposit / current key 38 for declaring the payment by the user, a credit method key 39 for selectively designating and inputting a credit method for collective payment, installment payment, bonus combined payment, and revolving payment. .

The ROM 12 previously stores and holds fixed data such as program data for the CPU 11 to control each unit.

As shown in FIG. 4, the RAM 13 has a setting area 40 for setting data by downloading from the host device 1 and a totalizer area 50 for accumulating points, amounts and the like of products registered for sale. And the CPU 1
Work area 60 for temporarily storing data to be processed by 1
And divided into

In the setting area 40, in particular, a section name for collectively indicating products belonging to each section corresponding to each section code and whether or not the corresponding section belongs to a specific section for forcibly issuing a credit slip are identified. Department table area 41 in which a specific department flag (0: non-specific department, 1: specific department) to be set is set, and a slip non-issue permission / non-authorization for designating whether to operate the credit slip non-issue mode There are provided a flag setting area 42 in which a selection flag is set, an amount setting area 43 in which a so-called slip non-issue limit is set, which is a limit amount of one condition for not issuing a credit slip.

In the totalizer area 50, a departmental totalizer 51 for accumulating the points and amounts of products for sale by department code and a transactional totalizer for accumulating each transaction such as cash transaction and credit transaction. 52 and the like are formed.

Further, the work area 60 has a total amount area 61 for storing the total amount of goods purchased by one customer, and a specific section purchase flag F which is set to "1" when a product belonging to the specific section is purchased. Area 62 and the like are formed.

When the sales number, the price, and the department code of the product purchased by the customer are input by operating the keys on the keyboard 22, the CPU 11 executes the program control so as to execute the department registration process shown in FIG. Have been.

That is, first, the specific department purchase flag F is set to "1" in the flag area 62 in step ST1.
Check if it has been done. If it is reset to "0", the section table area 41 is searched using the input section code as a search key in ST2. And ST3
To check the specific department flag corresponding to the relevant department code, and when it is confirmed that the specific department flag belongs to the specific department, that is, set to "1", the specific department purchase flag F is determined in ST4.
Is set to “1”, and the process proceeds to ST5.

If the specific department purchase flag F is set to "1" in ST1, or if it is confirmed in ST3 that the specific department purchase flag F does not belong to the specific department, the process immediately proceeds to ST5.

In step ST5, the entered sales points and amounts are added to the total area corresponding to the input department code of the department totalizer 51. In step ST6, the sales amount entered in the total amount area 61 is added. The total amount area 61 is cleared in response to the first product registration of one customer.

Thereafter, the detailed information of the product registered in the section in ST7 is displayed on the CRT display 20 and the receipt / journal printer 19 prints a receipt, and the process is terminated.

Here, CPU 11, ROM 12, RAM
13, keyboard 22, and keyboard controller 27
Constitutes product registration means.

When the CPU 11 detects the key input of the credit key 37 of the keyboard 22 after executing the section registration processing shown in FIG. 5, the CPU 11 pays for the credit of the purchased commodity registered for sale by the commodity registration means. Has been declared, and the program is controlled to execute the credit processing shown in FIG.

That is, first, in ST11, it is determined whether or not a credit card is inserted into the card reader 21. If not, wait until it is inserted.

When the insertion of a credit card is detected in ST11, the credit card information read by the card reader 21 is analyzed in ST12 to check whether credit is established.

Here, if the credit card is another company's credit card or an illegally used credit card, it is determined that the credit is not established in ST13, and the payment by the credit is regarded as an error.

If it is determined in ST13 that the credit has been established, the process waits for an input of a credit method by the credit method key 39 of the keyboard 22 in ST14. And
In ST15, the credit method for lump-sum payment is entered by key,
If it is confirmed in ST16 that the slip non-issue permission / non-permission selection flag in the flag setting area 42 is information indicating slip non-issue permission, the flag area 62 is determined in ST17.
Of the specific section purchase flag F (product judgment means).

If the flag F is reset to "0", since the purchased merchandise does not include the merchandise belonging to the specific section, the total amount memory 61 is stored in ST18.
Is compared with the slip non-issue limit set in the amount setting area 43 in advance. If the total amount is less than the limit, the credit slip is not printed and issued, and only the receipt is issued by the receipt / journal printer 19 in ST19.

On the other hand, if a credit method other than lump-sum payment is selected in ST15 or lump-sum payment is selected, in ST16, the slip non-issue permission / non-permission selection flag is information indicating slip non-issue permission. If
At T20, printing and issuing of a credit slip by the slip printer 18 is controlled.

In step ST17, the specific department purchase flag F is reset to "0". However, in step ST18, if the total amount is equal to or more than the slip non-issue limit, the print issuance of the credit slip by the slip printer 18 is controlled in step ST20. I do.

Further, in step ST17, the specific section purchase flag F
Is set to “1”, the purchased product to be credited includes a product belonging to a specific department.
Regardless of whether or not the total amount is less than the slip non-issue limit, in ST20, the print issuance of the credit slip by the slip printer 18 is controlled (forced printing control means).

After printing and issuing the credit slip in ST20, the receipt / journal printer 19 issues only the receipt in ST19.

If a receipt is issued in ST19, S
At T21, the total amount of transactions for which payment by credit has been established is accumulated in the transaction-specific totalizer 52 for each transaction, and the credit processing data such as customer information, credit amount, and credit method is transmitted to the interface 17 and the communication line 4.
A normal credit closing process such as transmission to the host device 1 is performed. Thereafter, in step ST22, the specific section purchase flag F is reset to "0", and the process is terminated.

In this embodiment having such a configuration, a section code to which a product having a high exchange rate such as a precious metal or a camera belongs is designated to a specific section, and each terminal 3 is designated in advance.
The specific department flag corresponding to the relevant department code in the department table area 41 is set to "1". As a result, when a key is operated on the keyboard 22 to register a department belonging to a specific department, the specific department purchase flag F is set to “1” in the flag area 62.

After the section registration of the purchased product, when the credit key 37 is operated by a key to declare the payment by credit, first, the feasibility of the credit is determined based on the information of the credit card attached to the card reader 21. When the credit is established, the credit method is input.

Here, when a lump-sum payment is designated by operating the credit method key 39, if the slip non-issue permission is selected from the status of the slip non-issue permission / non-permission flag in the flag area 42, the identification is performed. Department purchase flag F
Is checked. If the flag F is reset to “0”, since the merchandise belonging to the specific section does not exist in the purchase amount to be credited, the total amount in the total amount area 61, that is, the credit amount and the amount setting area 43 is compared with the slip non-issue limit. If the total amount is less than the slip non-issue limit, the credit slip is not printed and issued, but only a receipt is issued.

On the other hand, even if the credit method key 3
One-time payment is designated by key operation of 9 and flag area 4
Even when the slip non-issue permission is selected from the status of the slip non-issue permission / non-authorization flag of No. 2, if the specific department purchase flag F is set to "1", the product belonging to the specific department is credited. A predetermined credit slip is printed and issued by the slip printer 18 because it exists in the target purchase price.

In this case, a credit slip is issued regardless of whether the total amount is less than the slip non-issue limit.

As described above, according to this embodiment, each terminal 3 prints and issues a credit slip when the credit method is lump-sum payment and the credit amount is less than a preset slip non-issue limit. In addition to having a function that does not have a credit card, if there are products belonging to a specific department among the purchased products to be credited, the credit slip will be forcibly printed and issued even if the condition of non-issued credit slip is satisfied. ing.

Therefore, by designating a department to which a precious metal, camera, or the like belongs as a specific department, a credit slip is printed and issued at the time of purchase of such a product with a high exchange rate by credit, so that the signature of the customer can always be obtained. It is possible to achieve an excellent effect of preventing fraud.

The present invention is not limited to the above embodiment. For example, in the above-described embodiment, the condition for establishing the non-issue of the credit slip is that the credit method is a lump-sum payment and the credit amount (total amount) is less than the slip non-issue limit, but the present invention is not limited to this. For example, the present invention can also be applied to a credit processing apparatus that determines that credit slip non-issuance is established if the credit amount is less than the slip non-issue limit even at the time of revolving payment.

In the above embodiment, after checking the credit method, the specific department purchase flag F is checked, and when the set is set to "1", the issuance of the printing of the credit slip is forcibly controlled. The total amount is compared with the slip non-issue limit, and if the total amount is less than the slip non-issue limit, the specific department purchase flag F is checked, and the credit slip is forcibly printed only when set to “1”. Issuance may be controlled.

Further, in the above-described embodiment, whether or not a product is a specific product is distinguished by the section code. However, whether or not a product belongs to a specific product may be distinguished. In addition, it goes without saying that various modifications can be made without departing from the spirit of the present invention.

[0054]

As described above in detail, according to the present invention, even if the conditions for not issuing a credit slip are satisfied, if the purchase target product to be credited includes a specific product, the customer signature field is provided. Since credit slips are forcibly printed, by specifying products with high exchange rates, such as precious metals and cameras, as specific products, you can always print and issue credit slips when purchasing these specific products and obtain customer signatures it can. As a result, it is possible to prevent credit fraud using a product with a high cash exchange rate, and to provide a credit processing device that can improve practicality.

[Brief description of the drawings]

FIG. 1 is an overall view of a POS system according to an embodiment of the present invention.

FIG. 2 is an exemplary block diagram of a main part of the terminal in the embodiment.

FIG. 3 is an arrangement diagram of main keys of a keyboard in the terminal.

FIG. 4 is a configuration diagram of a main memory of a RAM in the terminal.

FIG. 5 is a flowchart showing a department registration process of a CPU in the terminal.

FIG. 6 is a flowchart showing credit processing of a CPU in the terminal.

[Explanation of symbols]

 11 CPU, 12 ROM, 13 RAM, 18 slip printer, 21 card reader, 22 keyboard, 41 department table area.

Claims (1)

(57) [Claims] [Claim 1] When the payment from the sale registered purchase goods of credit by the commodity registration means is declared,
Credit slip with customer signature field by slip printer
In a credit processing device capable of printing a product, a total of purchased products registered for sale by the product registering means is obtained.
Total amount storage means for storing the total amount;
The total amount stored by storage means is a preset limit
And a flag for identifying whether or not the product or department is a specific product or a specific department for which a credit slip is forcibly issued for each product or department for classifying each product. A flag setting means to be set, and whether or not the purchased goods registered for sale by the commodity registration means include the specific goods or the goods belonging to the specific department is determined from the flag set by the flag setting means. and product judgment means for, the amount of money-size
As long as the total price of purchased products is set in advance by
Is judged to have exceeded the amount
Depending on the stage, the specific product or the specific
When it is determined that products belonging to the department are included,
Let the slip printer print credit slips
Slip print control means and purchase by the money amount judgment means
The total price of the product does not exceed the preset limit
And the purchased product is determined by the product determination means.
Crab includes the specified product or the product belonging to the specified section.
When it is judged that it is not deleted,
Non-printing of slip to cancel printing operation of credit slip
A credit processing device comprising a control unit .