JP3413552B2 - POS system - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a POS (point-of-sale information management / point ofs) mainly used in supermarkets, convenience stores, restaurants and the like.
ales) system, more specifically, a debit card terminal device that uses a debit card to make a payment.
The present invention relates to a POS system connected to a terminal.

[0002]

2. Description of the Related Art Conventionally, this type of POS system collects data by automatic reading and performs necessary management processing (single item management, customer management, sales management, etc.).
OS terminal (sales operation te)
terminal / SOT terminal device) and PO
A host device (such as a store controller or a POS) that receives and collects transmission data relating to a predetermined one of the required management processes from the S terminal device and performs the aggregation process, and also performs management control related to data collection in the POS terminal device.
It is also called a terminal) and is configured to be connected online.

Of these, the POS terminal device generally has a register function, a file function for temporarily storing data, and an online function for connecting to a higher-level device, and a management process for each of them is required to construct such a function. Related to a storage device such as a disk device for storing the data required for, a keyboard for entering a product code such as a manufacturer code and an item code, an automatic reading device such as a fixed scanner or a hand scanner, and a predetermined management process required And a printing device for printing the processed data.

Like the POS terminal device, the host device stores a storage device for storing data required for tabulation processing, a keyboard for inputting operation instructions for product code and management control related to data collection in the POS terminal device, and an automatic reading device. And a printing device for printing the aggregation processing data relating to a predetermined management processing required, and a PO
The S terminal device is provided with a display device for displaying various data.

In such a POS system, P
Transmission data relating to a predetermined one of the required management processes is transmitted from the OS terminal device to the higher-level device, and the higher-level device sequentially receives the transmission data and performs the aggregation process. As a result, the store in which the system is installed can grasp the totalized data such as sales totalized data within a predetermined period.

[0006]

In the case of the POS system described above, the host device is connected to the POS terminal device and
Since the transmission data relating to a predetermined one of the required management processes from the S terminal device is collected and collected, the function of the system itself collects the total data such as sales total data within a predetermined period. A category for grasping,
That is, it is limited to the convenience of the store manager.

[0007] By the way, in the case of a debit card terminal device installed in a current department store or the like, in addition to the POS system used in such a supermarket, etc., when a customer cannot purchase a relatively expensive product due to lack of cash. We make payments using a debit card, and immediately deduct the payment amount from the customer's designated financial institution's account to enable the purchase of the product, improving the service for customers when the customer is short of cash. I am measuring.

[0008] Therefore, in order to improve the service for customers these days, POS used in supermarkets and the like.
Even in the system, if there is a function that allows you to withdraw cash using a debit card when you cannot purchase a product due to lack of cash on hand, you can purchase even when the customer cannot buy the product due to lack of cash Therefore, in the future, there is a demand to provide such a function and promote sales to customers.

However, in the case of a debit card terminal device that can use the current debit card, since it is possible to purchase a relatively expensive product when the customer cannot purchase the product due to lack of cash as described above, It has the function of only debiting the payment amount from the account of the designated financial institution by using the debit card.
Since it does not have the function of withdrawing cash by using a debit card, when trying to apply it to a POS system used in supermarkets targeting relatively inexpensive products, the cash shortage cannot be compensated for when purchasing the product. However, there is a problem that it is impossible to sufficiently improve the service to the customer side.

The present invention has been made to solve such a problem, and its technical problem is to improve the service to the customer side who can withdraw cash by using a debit card. To provide a system.

[0011]

According to the present invention, a debit card terminal device capable of inputting with a ten-key pad provided with a personal identification number for enabling a customer's debit card,
In addition to being connected to the debit card terminal device, it is connected to the center system that handles the withdrawal of money in the account of the customer's designated financial institution according to the input of the personal identification number, and at the time of reading and inputting the unique product code for each product. A POS system including a POS terminal that sells a fictitious product, performs debit card payment by the debit card terminal device, and then pays out a payment amount for the fictitious product according to the money withdrawal process to withdraw cash To be

According to the present invention, in the above POS system, the POS terminal has a code scanner for reading and inputting a product code, a display for displaying a payment amount for a fictitious product on a screen, and a payment for a fictitious product. A PO including a printer that prints the amount of money as a receipt and a keyboard that has keys for performing operation instruction operations of the entire system
The S system is obtained.

Further, according to the present invention, in the above-mentioned POS system, the POS terminal issues an operation instruction with a predetermined key of the keyboard to determine whether or not to use a cash drawer for reading and inputting the commodity code, cash. Corresponds to a product code and a setting master file that sets conditions for adding a withdrawal limit amount, conditions for adding a debit card usage fee, and conditions for adding the usage fee according to the sales amount Product name, unit price,
And after accessing a master file consisting of a product master file including tax classifications of tax exemption and tax exemption, the contents of the setting master file and the product master file in the master file are initially displayed on the screen of the display unit. A POS system for displaying is obtained.

In addition, according to the present invention, in the above-mentioned POS system, the POS terminal issues an operation instruction with a predetermined key of the keyboard, and a product sales file including a sales quantity and a sales amount corresponding to the product code, A cash delivery file containing date, time, customer's account number, customer's name, amount, and receipt number when withdrawing cash according to the setting when using cash withdrawal by accessing the setting master file, and at least cash After accessing a totalization file consisting of a transactional file showing transactional data including the number of withdrawals and the total amount of money, any one of the commodity sales file, the cash delivery file, and the transactional file in the aggregated file One content can be displayed on the screen of the display unit and printed by the printer. POS system is obtained.

According to the present invention, on the other hand, in the above POS system, the keyboard is a predetermined key, which is a system key for inputting a setting instruction to a setting master file and a receipt issuing instruction to a printer, and a product master file. Product key for inputting instructions to the debit card, a numeric keypad that can input a personal identification number on the debit card, a debit card key for setting and inputting the use of the debit card, a product sales file in the aggregation file, a cash delivery file, and There is obtained a POS system including access to a transaction-specific file and an operation instruction key for instructing the printer to print the commodity sales file, the cash delivery file, and the contents of the transaction-specific file.

[0016]

BEST MODE FOR CARRYING OUT THE INVENTION The examples of the present invention will be described below.
The OS system will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing the basic structure of a POS system according to an embodiment of the present invention, including peripheral devices. This POS system is, as a basic configuration, a debit card terminal device 16 that can be input by a ten key 17 provided with a personal identification number that enables a customer's debit card, and is connected to this debit card terminal device 16 and also has a ten key 17 The communication is connected to the center system 20 which handles the withdrawal of money in the account of the customer's designated financial institution in response to the input of the personal identification number by the customer, and the fictitious product is used when the bar code scanner 15 reads and inputs the unique product bar code for each product. And a POS terminal 10 for withdrawing cash by paying a payment amount for a fictitious product according to a money withdrawal process after making a sale and making a debit card payment by the debit card terminal device 16.

Of these, the POS terminal 10 includes a bar code scanner 15 as a peripheral device for reading and inputting the product bar code described above, a display 13 for displaying the payment amount of the fictitious product, and a fictitious product. A printer 14 for printing the payment amount of the payment as a receipt, a keyboard 12 having keys for performing operation instruction operation of the entire system, and a master file including a product master file 11a and a setting master file 11b,
Product sales file 11c, cash delivery file 11d,
And a totalization file including the transaction-specific file 11e.

That is, in this POS system, the personal identification number that enables the customer's debit card to be used is entered on the ten-key pad 17.
The POS terminal 10 connected to the debit card terminal device 16 which can be input by is communicatively connected to the center system 20 which handles money withdrawal processing at the customer's designated financial institution according to the input of the personal identification number, and the bar code scanner 15 is used. When reading and inputting a unique product barcode for each product, the fictitious product is sold according to the contents of the product master file 11a and the setting master file 11b, and the debit card terminal device 16 performs debit card payment, and then the fictitious product according to the money withdrawal process. The cash withdrawal is performed by paying the payment amount for the amount, the payment amount for the fictitious product is displayed on the screen of the display 13, and the receipt is printed by the printer 14.

FIG. 2 illustrates the contents of the setting master file 11b. Setting master file 1 here
1b shows an example in which the condition of whether or not a cash withdrawal is used when the first item is read and input of a product barcode is set corresponding to the corresponding product code as using a cash withdrawal, and the second item is the second item. The item shows an example of setting the condition of whether or not to attach a withdrawal limit amount of cash withdrawal and setting that amount up to 100,000 yen, and the third item adds the usage fee of debit card Assuming that the condition of whether or not and the condition of adding the usage fee by the sales amount are added by the sales amount, the amount is 50
An example of setting to add when less than 0 yen is shown. The withdrawal limit here is the cash dispenser (A
Similar to the case of TM), it is preferable to set in advance so that the store side will not lose the usage fee. In addition, the usage fee for debit cards is usually 3%, and if the customer does not actually purchase the product, it will be a burden on the store side and it will be lost, so the actual sales amount is the predetermined amount as shown here. It is preferable to add it when the amount is less than 1.

FIG. 3 shows an example of the contents of the master file 11a. Product master file 11a here
Contains the product name corresponding to the product code, unit price, and tax classification of tax exemption or tax exemption. When the tax classification here is tax-free, the unit price of 0 yen is entered by the operator using the keys on the keyboard 12 when selling a fictitious product whose product name is a withdrawal.

By the way, in the POS terminal 10, when the operator instructs the operation with a predetermined key of the keyboard 12, the master file setting master file 11b and the product master file 11a are read when the product barcode is input by the barcode scanner 15. Access and set master file 11b and product master file 1
The contents of 1a can be initially displayed on the screen of the display 13.

FIG. 4 exemplifies the contents (layout) of a receipt printed by the printer 14. The receipt here is the amount of money of each of the products A, B, and C,
Subtotal amount including them, consumption tax for subtotal amount 5
%, The total sales amount, the withdrawal fee amount, the total amount, and the fact that the total amount will be deducted from the customer's financial institution account is printed.

FIG. 5 shows an example of the contents of the product sales file 11c. Product sales file 11c here
Indicates the product sales data for each product including the sales quantity and the sales amount corresponding to the product code. Usually, the product sales data for each product is calculated as a daily total or a cumulative total.

FIG. 6 shows an example of the contents of the cash delivery file 11d. Cash delivery file 1 here
1d is the setting master file 1 of the POS terminal 10.
When withdrawing cash according to the setting when using a cash withdrawal by accessing 1b, date, time, customer's account number, customer's name, amount, and receipt number (N
It is a cash delivery specification including O). Note that the cash delivery details are stored by the customer side, and are handed over from the operator side to the customer side when the product is purchased.

FIG. 7 shows an example of the contents of the transaction-specific file 11e. The transaction-specific file 11e here is
Data for each transaction including net sales amount, cash balance, total deposit amount (for example, vending machine), payment amount (for example, gas fee, water fee), and total when cash withdrawal is 99 times There is. Note that the transaction-specific data here is a collection of the number of cash withdrawals and the total amount when cash is withdrawn, not reflected in net sales but reflected in the cash balance.

By the way, in the POS terminal 10, the operator gives an operation instruction with a predetermined key on the keyboard 12 to access any one of the product sales file 11c, the cash delivery file 11d, and the transaction-specific file 11e of the totaling file. After that, the contents of any one of these can be displayed on the screen of the display 13 or printed as a journal by the printer 14.

FIG. 8 shows an example of the keyboard surface of the keyboard 12. The keyboard 12 here is, as the above-described predetermined keys, a system key for inputting a setting instruction to the setting master file 11b and an instruction to issue a receipt to the printer 14, and the product master file 11a.
Product key for inputting instructions to the debit card, a numeric keypad capable of inputting a personal identification number of the debit card, a dedicated debit card key for setting and inputting the use of the debit card, and a product sales file 11c in the total file,
Cash delivery file 11d and transaction-specific file 11e
And an operation instruction key for instructing the printing operation of the printer 14 for the contents of the product sales file 11c, the cash delivery file 11d, and the transaction file 11e.

FIG. 9 exemplifies a sales display screen of the display unit 13. The display unit 13 here displays a quantity and an amount of money corresponding to several product names as a sales display screen, a sales amount indicating the total amount of sales, a withdrawal amount corresponding to withdrawal, a sales amount and an withdrawal amount. The figure shows a screen display of the total sum and the total amount.

10 to 12 are flowcharts exemplifying cash withdrawal sales operation processing in the POS terminal 10 of this POS system. FIG. 10 relates to a part, FIG. 11 relates to another part, and FIG. It is about.

However, here, as an initial setting prior to the operation processing, the POS terminal 10 sells a fictitious product so that the customer can use the debit card terminal device 16 to withdraw cash, so that the product master file 11a. The withdrawal name is "Withdrawal", the unit price is 0 yen, the tax category is set as tax exempt, and the cash withdrawal in the setting master file 11b is used as shown in FIG. It is assumed that the maximum amount is 100,000 yen, and that the debit card usage fee is added according to the sales amount when it is less than 500 yen.

In such a case, at the POS terminal 10, product input is performed by reading the product bar code of the bar code scanner 15 at the start of sales (step S1), and thereafter, the unit price of 0 yen, which makes the unit price free, is input. It is determined (step S2). As a result, the unit price is 0
If the yen is entered, it is determined whether or not the product is a withdrawal product to be a fictitious product for cash withdrawal (step S3),
If the product is a withdrawal product, after the process of asking the customer for the withdrawal amount (step S4) is completed and the amount is input (step S5), it is determined whether the amount is within the withdrawal limit (step S6). As a result, if it is not within the withdrawal limit, it indicates that the limit amount has been exceeded. Therefore, before the process of asking the customer about the withdrawal amount (step S4), the process returns to complete within the withdrawal limit.

By the way, in the judgment as to whether or not the product is a withdrawal product (step S3), if the product is not a withdrawal product, the product unit price is input (step S7) and then it is judged whether or not the unit price is 0 yen (step S2). If the unit price of 0 yen has not been entered in (that is, if it is a normal product purchase that is not a fictitious product for cash withdrawal), and if it is within the withdrawal limit (step S6), it is within the limit. Similar to the case, the tax calculation (step S8) is performed to calculate the total amount (tax included), the product input data is stored (step S9), and then it is determined whether the input is completed (step S10). To do. As a result, if the input is not completed, the process is returned to repeat before the product input (step S1), but if the input is completed, the subtotal button (key for subtotal) is pressed (step S11) to wait for the deposit input. And

Subsequently, it is judged whether or not the debit card payment can be made (step S12), and if the debit card payment can be made, the debit card payment button (debit card key) is pressed (step S13) before the debit. It is determined whether or not a card usage fee is added (step S14). When adding the debit card usage fee, add the fee (step S15), and then insert the debit card into the debit card terminal device 16 to obtain the deduction amount, as in the case where the debit card usage fee is not added, and enter the card. (Step S16), and the customer inputs a personal identification number using the ten-key pad 17 (Step S1)
After 7), the card output (step S18) is performed to obtain the electronic information (data) of the personal identification number. In this state, the personal identification number data is transmitted to the center system 20 for inquiry (step S19). After that, it is determined whether the personal identification number is OK (step S20).

As a result, if the personal identification number is not OK, it is considered that there is an erroneous operation in the personal identification number input by the customer (step S17) (personal identification number error), and the process is returned before the card input (step S16) and processed. Again, if the personal identification number is OK, it is determined whether the payment amount is equal to or less than the account balance (step S21). If the account balance is equal to or more than the payment amount, the total button (total key) is pressed (step S2).
2) Do.

By the way, if it is determined that the debit card payment is not necessary (step S12) and the debit card payment is not performed (normal product purchase), whether the cash payment may be performed thereafter is determined. Judgment (step S23)
If the cash settlement is acceptable, the deposit amount is input (step S24), and then it is determined whether or not the deposit amount is insufficient (step S25). If not, the total button (total key) is pressed. The process proceeds to the process before (step S22).

On the other hand, when it is determined whether the cash settlement can be performed (step S23), the case where the cash settlement is not performed, and whether the deposit is insufficient (step S2)
If there is a shortfall in 5) and if the settlement amount is higher than the account balance in the determination whether the settlement amount is equal to or less than the account balance (step S21), there is a shortage amount and the product purchase Since it means that the debit card cannot be used or the debit card can not be used, the process is repeated before returning to the determination (step S12) as to whether or not the debit card settlement can be performed. By the way, the repetitive processing when there is a shortage is only to continue the flow of operation processing, and in fact the operator (clerk) notifies the customer side that it is not possible to purchase products or use debit cards at this time. However, there are various possible ways of dealing with the customer side when there is a shortage of money, including the purchase of specific products (or the purchase of all products) and the suspension of debit card use. .

Further, after the process of pressing the total button (total key) (step S22), it is judged whether or not the debit card payment can be made again (step S26). Inquiry about the center to be sent to the system 20 to obtain subtraction information (step S27)
Print the contents of the received response as a receipt and a journal on the print 14 (step S28), and refer to this, as in the case where a response is obtained by receiving after receiving the information and debit card payment is not performed (normal product purchase) Then, the sales information is stored (step S29), and then it is determined whether there is cash withdrawal (step S30). As a result, if there is no cash withdrawal, normal product purchase is made, so the operation process ends (ends), but when there is a cash withdrawal, the cash box is opened (C-BOX OP).
After setting EN / step S31) so that the withdrawal amount can be taken out, cashing of the withdrawal amount is performed (step S32), and then the operation process ends (ends).

[0039]

As described above, according to the POS system of the present invention, the POS terminal connected to the debit card terminal device capable of inputting the personal identification number enabling use of the customer's debit card with the ten-key pad is the personal identification number. Debit card terminal device that is connected to a center system that handles money withdrawal processing at the customer's designated financial institution according to the input of Since it is configured such that the customer can make cash withdrawal by paying the payment amount for the fictitious product according to the money withdrawal process after making the debit card payment, the conventional automatic teller machine (ATM) ) Or other terminal device, or go to a designated financial institution and from your own account The inconvenience of being able to purchase products only after the money has been withdrawn has been resolved, and the debit card handling stores can now withdraw cash and purchase products, making it possible to fully improve the service to customers. . As a result, when cash is needed on holidays or late at night, you can purchase products even if you have a shortage of cash at convenience stores, and you can withdraw cash in small amounts such as coins. It becomes possible to measure sales promotion to customers without any.

[Brief description of drawings]

FIG. 1 is a block diagram showing a basic configuration of a POS system including peripheral devices according to an embodiment of the present invention.

FIG. 2 illustrates the contents of a setting master file provided in a POS terminal of the POS system shown in FIG.

3 illustrates an example of contents of a product master file provided in a POS terminal of the POS system shown in FIG.

FIG. 4 illustrates the contents (layout) of a receipt printed by a printer provided in a POS terminal of the POS system shown in FIG.

5 is a diagram showing an example of contents of a product sales file provided in a POS terminal of the POS system shown in FIG.

FIG. 6 is an example of contents of a cash delivery file provided in a POS terminal of the POS system shown in FIG.

FIG. 7 illustrates the contents of a transaction-specific file provided in the POS terminal of the POS system shown in FIG.

8 illustrates an example of a keyboard surface of a keyboard provided in the POS terminal of the POS system shown in FIG.

9 is a view showing an example of a sales display screen of a display provided in the POS terminal of the POS system shown in FIG.

10 is a flowchart showing a part of cash withdrawal sales operation processing in the POS terminal of the POS system shown in FIG.

11 is a flowchart showing another part of the cash withdrawal sales operation processing in the POS terminal of the POS system shown in FIG.

12 is a flowchart showing the remaining part of the cash withdrawal sales operation processing in the POS terminal of the POS system shown in FIG.

[Explanation of symbols]

10 POS terminal 11a Product master file 11b Setting master file 11c Product sales file 11d Cash delivery file 11e Transaction-specific files 12 keyboard 13 Display 14 Printer 15 Bar code scanner 16 debit card terminal 17 Numeric keypad 20 center system

Claims (5)

(57) [Claims] 1. A debit card terminal device capable of inputting a personal identification number to enable use of a customer's debit card, and a debit card terminal device connected to the debit card terminal device, and in response to input of the personal identification number. It is connected to a center system that handles money withdrawal processing at the customer's designated financial institution, sells a fictitious product when reading and inputting a unique product code for each product, and performs the debit card settlement by the debit card terminal device. And a POS terminal for withdrawing cash by paying a payment amount for the fictitious merchandise according to the money withdrawal process. 2. The POS system according to claim 1, wherein the POS terminal has a code scanner for reading and inputting the product code, a display for displaying a payment amount of the fictitious product on a screen, and the fictitious product. A POS system comprising: a printer for printing the settlement amount as a receipt and a keyboard having keys for performing operation instruction operation of the entire system. 3. The POS system according to claim 2, wherein the POS terminal uses a predetermined key of the keyboard to instruct an operation to determine whether or not to use the cash drawer for reading and inputting the product code. A setting master file for setting conditions for adding a withdrawal limit of the cash withdrawal, or conditions for adding a usage fee for the debit card, and conditions for adding the usage fee according to sales amount, After accessing a master file consisting of a product name corresponding to a product code, a unit price, and a product master file containing tax categories of tax exemption or tax exemption, the contents of the setting master file and the product master file in the master file Is initially displayed on the screen of the display unit. 4. The POS system according to claim 3, wherein the POS terminal issues an operation instruction with a predetermined key of the keyboard, and a product sales file including a sales quantity and a sales amount corresponding to the product code,
Date, time, customer's account number, customer's name, when withdrawing the cash according to the setting when using the cash withdrawal by accessing the setting master file,
Cash delivery file including amount and receipt number,
After accessing a totalization file consisting of at least the transactional file showing transactional data including the number of cash withdrawals and the total amount of money, the product sales file, the cash delivery file, and the transactional file in the aggregated file A POS system capable of displaying the content of any one of the files on a screen of the display and printing by the printer. 5. The POS system according to claim 4, wherein the keyboard is a system key for inputting a setting instruction to the setting master file and issuing a receipt to the printer as the predetermined key. A product key for inputting an instruction to the product master file, a ten-key pad capable of inputting the personal identification number of the debit card, a debit card key for setting and inputting the use of the debit card, and the Access to the product sales file, the cash delivery file, and the transaction-specific file, and an operation instruction key for instructing the printer to print the contents of the product sales file, the cash delivery file, and the transaction-specific file. POS characterized by including
system.