JP3534900B2 - 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 device used in a store capable of paying for a product transaction by credit.

[0002]

2. Description of the Related Art Conventionally, in a store that can be settled by credit, generally, a card reader that reads card data such as a credit company code and a member number recorded on a credit card, an amount of a commodity transaction settled by credit, and a payment method. A credit processing device provided with a keyboard for inputting classifications, a display for displaying key input data, etc., and a printer for printing credit settlement slips, etc. has been used. This credit processing device has been connected to a host computer of each credit company online via a transmission line such as a public line or a dedicated line. Then, when the data of the credit card is read by the card reader and the amount of the product transaction to be settled by credit and the payment method category are input from the keyboard, the settlement authorization is asked based on the card data and the key input data. Create a matching message and send it to the host computer of the applicable credit company, and when a response to approve the payment is received in response, print out a predetermined credit payment slip and issue the payment for the corresponding product transaction by credit. Was configured to process.

By the way, there are cases where a customer offers to return the merchandise settled by credit. Further, there is a case where the customer offers to change the transaction amount or the payment method category or finds an input error after the credit settlement slip is issued. In such a case, it is necessary to notify the credit company of cancellation of the merchandise transaction that was previously settled by credit. Therefore, in the conventional credit processing device of this type, when a credit company code, a member number, a slip number, a transaction date, a transaction amount, etc. of a corresponding commodity transaction are input as identification data for canceling the settlement by credit, from a keyboard or the like,
Create a message to inquire about approval of cancellation based on the input data, send it to the host computer of the relevant credit company, and if a response to approve the cancellation is received in response, print a prescribed credit cancellation slip. Was configured to handle the cancellation of the credit settlement of the applicable merchandise transaction.

However, the host computer of each credit company receives the cancellation approval inquiry message of the credit settlement from the credit processing device in order to reduce the processing load and the response time to the inquiry. It did not judge whether or not the commodity transaction to be canceled existed before, but only the credit verification of the member was made and a response of whether the cancellation was possible or not was made. Therefore, even if the operator of the credit processing device makes a mistake in inputting the slip number, transaction date, transaction amount, etc. of the commodity transaction to be canceled, there is no mistake in inputting the credit company code or the member number, and the credit as a member is approved. Then, the credit company's host computer returned a response to approve the cancellation.Therefore, data different from the data of the commodity transaction to be canceled is input as the data of the commodity transaction to be canceled in the host computer of the credit company. It was For this reason, the credit company collects transaction data input to the host computer within a predetermined period (for example, one month) and bills each member. There was a risk that a request was made. In this case, complicated post-processing for correcting the data is needed.

On the other hand, the fee that is generated by payment by credit and is a part of the profit of the credit company is
Different credit companies set different rates according to payment terms such as the number of payments and the payment month. And this fee is borne by the store side by the contract with the credit company. In other words, the store receives the amount of money obtained by subtracting the commission amount from the sales amount of the commodity transaction settled by credit from the credit company. Therefore, a conventional credit processing device of this type automatically calculates a fee from the amount of a commodity transaction settled by credit and payment condition data such as the number of payments and the payment month, and the transaction amount and the fee are respectively calculated. For example, a function of outputting a cumulative total amount of transactions, that is, a sales amount by so-called credits and a cumulative amount of commissions when a predetermined date is accumulated is provided. By using this function, it becomes possible to predict the deposit amount from the credit company.

However, in the case of canceling a commodity transaction settled by credit, the payment condition data, which is a deciding factor of the fee such as the number of payments and the payment month, is not necessary in the data input from the credit processing device. For this reason, in the past it was not possible to accurately identify the fees that no longer need to be paid due to cancellation of commodity transactions,
Regardless of payment terms, it was calculated uniformly at a preset rate and deducted from the cumulative amount of fees, and it was not possible to accurately grasp the deposit amount from the credit company.

[0007]

As described above, in the conventional credit processing device of this kind, the credit company mistakenly informs the member due to a data input error when canceling the product transaction for which payment is made by credit. In some cases, the credit system may be billed, which may reduce the reliability of the credit system, and in addition, complicated post-processing for matching the data is required, which is a burden. In addition, if the credit company's commission generated by credit settlement is set at a different rate depending on the payment conditions such as the number of payments and the payment month, it is possible to cancel the product transaction settled by credit. Since there are no payment condition items that are indispensable for calculating fees in the data input items, all fees that are unnecessary when canceled are calculated uniformly at a preset rate. There was a case that the fee to be paid did not match.

[0008] Therefore, the present invention can accurately cancel the commodity transaction settled by credit, thereby preventing the credit company from making an erroneous request to the member and improving the reliability of the credit system. ,
An object of the present invention is to provide a credit processing device that can reduce the load required for post-processing for solving the problem caused by cancellation of product transactions.

Further, according to the present invention, even if the item of payment condition essential for the calculation of the fee is omitted from the data input item in the case of canceling the commodity transaction settled by credit, the payment condition of the commodity transaction whose settlement by credit is canceled. An object of the present invention is to provide a credit processing device that can store and manage data and can accurately determine a commission generated by payment by credit without burdening an operator.

[0010]

The invention according to claim 1 of the present application, when the identification data of the commodity transaction to be settled by credit and the payment condition data of the settlement by the credit are input through the input means, this input is made. Send a message asking for approval of payment to an external device connected by communication means based on the data, and when receiving a response to approve, process the payment of the corresponding commodity transaction by credit and credit through the input means. When the identification data of the product transaction to be canceled is input, a message asking for approval of the cancellation is sent to an external device based on this input data, and when a response to receive the approval is received, payment by the credit of the corresponding product transaction is settled. In the credit processing device that processes the cancellation of the credit card, the response to approve the payment authorization approval inquiry to the external device. When received, the credit history storage means for accumulating and storing at least identification data of the corresponding commodity transaction, and the identification data of the commodity transaction for canceling the payment by credit through the input means, the data stored by the credit history storage means. And a transaction presence / absence determining means for determining whether or not there is a commodity transaction to be canceled, and a notifying means for notifying that the transaction cannot be canceled when the presence / absence of the corresponding commodity transaction is confirmed by this determining means, and the above determination And a cancellation inquiry message transmission control means for controlling transmission of a message inquiring approval of cancellation when the existence of the corresponding commodity transaction is confirmed by means.

The invention according to claim 2 of the present application stores the identification data of the corresponding merchandise transaction and the payment condition data for payment by credit as a credit history storage means in addition to the invention of claim 1 of the present application. Then, when a response to the external device for accepting a cancellation approval inquiry for credit settlement is received, the payment condition data for credit settlement of the corresponding commodity transaction stored by the identification data of the corresponding commodity transaction and the credit history storage means. And 1
A credit cancellation history storage means for accumulating and storing as a record is added.

[0012]

According to the credit processing device of the invention corresponding to claim 1 of the present invention, which is configured as described above, the identification data of the commodity transaction to be settled by the credit and the payment condition data of the settlement by the credit are input through the input means. When done,
Based on this input data, a message asking for approval of payment is transmitted to the external device connected by the communication means. Then, when a response to approve is received from the external device, the settlement of the corresponding product transaction is processed by credit, and at least the identification data of the corresponding product transaction is accumulated and stored by the credit history storage means. On the other hand, when the identification data of the commodity transaction for canceling the credit settlement is input through the input means, it is compared with the identification data stored by the credit history storage means to determine whether or not there is the commodity transaction to be canceled. . When it is confirmed that there is no corresponding merchandise transaction, it notifies that it cannot be canceled. On the other hand, when it is confirmed that there is a corresponding commodity transaction, a message asking for approval of cancellation is transmitted to the external device, and when a response for approval is received, cancellation of settlement by credit of the corresponding commodity transaction is processed. Therefore, if there is an error in the input of the identification data of the product transaction for canceling the payment by credit and the corresponding product transaction does not exist before, a message asking for approval of cancellation will not be sent to the external device,
A message asking for approval of cancellation is sent to the external device only if the corresponding merchandise transaction previously existed.

Further, in the case of the credit processing device of the invention corresponding to claim 2 of the present application, when a response for approval is received as a result of inquiring about the approval of cancellation, the identification data of the commodity transaction whose existence is confirmed and the credit history storage means are used. The stored payment condition data for settlement by credit of the corresponding merchandise transaction stored is stored as one record by the credit cancellation history storage means. Therefore, even if you do not enter the payment condition data required for the calculation of fees as data related to the product transaction for which the credit payment is canceled, the payment condition data of the product transaction for which the credit payment is canceled is stored together with the identification data of the corresponding product transaction. Since it is managed, it becomes possible to accurately calculate the unnecessary charges due to cancellation based on the stored contents.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. In this embodiment, a case will be described in which the present invention is applied to a POS system in which a plurality of POS (Point of Sales: point-of-sale information management) terminals that can process credit settlement are centrally controlled by a store processor. .

FIG. 1 is a schematic diagram of a POS system according to this embodiment. This POS system stores card data such as a credit company code and a member number recorded in a credit card 1 including a magnetic card, an IC card and the like. A plurality of Ps each equipped with a card reader 2 for reading
The OS terminal 3 and the store processor 4 for centrally controlling these POS terminals 3 are connected by a first communication line 5 in a closed loop. The store processor 4 is provided with a host computer 7 of each credit company via a second communication line 6 which is a public line or a dedicated line.
Is connected online.

Each POS terminal 3 registers the sales data of each product to be sold in a product transaction with a customer in a storage unit, and settles the price of each product sold in this product transaction into credit, cash, etc. It is something to process. The store processor 4 has a function of collecting and processing the data registered in the storage unit of each POS terminal 3 via the first communication line 5 and creating a sales total report of the store. It also has a pass-through function for data communication between each POS terminal 3 and the host computer 7 of the credit company.

Then, as shown in FIG. 2, the store processor 4 stores the terminal number, the slip number, the transaction date, the company code, and the member as the data regarding the commodity transaction for which the settlement by the credit is carried out at each POS terminal 3. A transaction history file 8 for accumulating transaction records consisting of items such as number, transaction category, transaction amount, payment category, number of payments, and payment month in chronological order is formed.

Here, the item "terminal number" is a terminal ID code that identifies the POS terminal that has made a payment by credit. The item “slip number” is a reference number of a credit payment slip printed and issued from the POS terminal 3 by payment by credit. The item “transaction date” is the date when payment by credit was performed. The items "company code" and "member number" are the credit company code and the member number recorded in the credit card 1 of the member who has settled by credit. The item “transaction classification” is data for discriminating whether the corresponding transaction record is a record relating to a commodity transaction that has been settled by credit or a record relating to cancellation thereof. The item “transaction amount” is the amount of sales in a commodity transaction settled by credit. The item “payment classification” is data for classifying payment methods for payment by credit (lump-sum payment, installment payment, bonus payment, installment / bonus combined payment, revolving payment, etc.). The item “number of payments” is the number of payments when the payment method is installment payment or bonus payment. The item “payment month” is the payment month when the payment method is bonus payment.

The terminal number, slip number, transaction date,
Each item data of the company code, the member number, the transaction amount, and the payment classification is identification data of the product transaction settled by credit, and each item data of the number of payments and the payment month is payment condition data of the settlement by the credit.

FIG. 3 is a block diagram showing the main configuration of the store processor 4.
Is a CPU (Central Processing Uni
t: central processing unit) 41. Also, the above C
RO in which programs for controlling the PU 41 are stored in advance
An M (Read Only Memory) 42, a RAM (Random Access Memory) 43 for writing and reading data under the control of the CPU 41, and the first communication line 5 are connected. Data transmitted between the first transmission controller 44 for controlling the transmission and reception of data to and from each POS terminal 3, and the host computer 7 of each credit company connected via the second communication line 6. A second transmission controller 45 for controlling transmission / reception of data, an HDD controller 46a for controlling writing / reading of data to / from an HDD (Hard Disk Drive) 46 in which the transaction history file 8 is formed, various commands and data, etc. A keyboard interface 47a for fetching key signals from the keyboard 47 for input, -A display interface 48a for outputting display data to a display 48 for displaying input data, a printer interface 49a for outputting print data to a printer 49 for printing a total sales report, etc. on recording paper are mounted. The CPU 41, the ROM 42, the RAM 43, the first transmission controller 44, the second transmission controller 45, and the HDD.
The controller 46a and the interfaces 47a, 48a, 49a of the input / output devices are electrically connected by a bus line BL such as an address bus or a data bus.

FIG. 4 is a block diagram showing the main configuration of each POS terminal 3, and this POS terminal 3 is equipped with a CPU 31 as a control unit main body. Also, this CPU 31
ROM 32 in which a program for controlling the
A RAM 33 having a memory area for registering product sales data, a clock circuit 34 for clocking the current date and time, and a store processor 4 connected via the first communication line 5 are provided. The communication interface 35 for controlling the transmission / reception of data, and the I / O port 38 for receiving a signal from the mode switch 36 and outputting a drive signal to the drawer opening device 37 for automatically opening the drawer are mounted. Further, a keyboard controller 310 that takes in a key signal from the keyboard 39, a display device controller 312 that sends display data to a display device 311 that can display key input data, messages, etc., receipt printing, journal printing, and slip printing are possible. Printer controller 3 for sending print data to printer 313
14, a controller for each input / output device, such as a scanner controller 316 for taking in bar code data read by the scanner 315, a card reader controller 317 for taking in a card data read by the card reader 2, and the like. , CPU 31, ROM 32, RAM
33, clock circuit 34, communication interface 35, I / O
Ports 38 and controllers 310, 3 of each input / output device
12, 314, 316, and 317 are electrically connected by a bus line BL such as an address bus and a data bus.

The mode switch 36 is, as shown in FIG. 5, "register", "return registration (-registration)", "check",
It is a switch that selectively switches various business modes such as “payment” and “setting”. Here, the “registration” mode is a mode of business in which the sales data of the product registered by the product registration means of the keyboard 39 or the scanner 315 is added and registered in the storage unit of the RAM 33, and the “return registration” mode is the keyboard. 39 is a mode of business in which sales data of a product registered by the product registration means of the scanner 39 or the scanner 315 is subtracted and registered in the storage unit. Also, "check"
Mode is a mode of business that outputs the contents of the storage unit that registered the product sales data as an inspection report,
The "settlement" mode is a mode of operation in which the contents of the storage section are output as a report and then the storage section is cleared as in the "check" mode. The "setting" mode is to set the necessary data in the storage section in advance It is a mode of business to keep.

On the keyboard 39, as shown in FIG. 6, a numerical key K1 for inputting numerical data, a clear key K2 for instructing clearing of numerical values, error cancellation, etc., and settlement of credits for merchandise transactions. In addition to a credit key K3 for instructing, a cash total key K4 for instructing the settlement of merchandise by cash, an amount key K5, a registration key K6, a cancel key K
7. Various function keys such as return key K8 are provided. Also, a payment method key K that specifies the payment method for payment by credit (“lump sum”, “revolving”, “split”, “bonus”, “combined bonus”, etc.)
9 is also provided.

Then, the CPU 31 of each POS terminal 3
Especially when it detects the key input of the credit key K3,
As shown in FIG. 8, the type of work selected by the mode switch 36 is determined. Then, when the "registration" mode is selected, since the settlement by credit for one commodity transaction is instructed, the credit sales processing specifically shown in FIG. 9 is started. That is, the CPU 31 first waits for the card data to be read by the card reader 2 in ST (step) 1. And ST2
As the data of the credit card 1, such as the credit company code and the member number, is taken in, the card data is analyzed in ST3 to determine whether or not the credit card is valid. Then, for example, when the credit card issued by the credit company contracted at the store is recognized as a legitimate card, the transaction amount, payment method category, which are sequentially input from the keyboard 39 as ST4,
Captures data related to credit settlement such as the number of payments and the payment month. Note that the number of payments is once when the payment method is "lump-sum payment", so input is not forced. Also,
Since the payment month is monthly if the payment method is “payment method”,
After all, input is not forced.

Next, in step ST5, the CPU 31 creates a credit settlement approval inquiry message in the format shown in FIG. 7 (a) based on the key input data and the card data of the credit card 1 and sends it via the communication interface 35. To the store processor 4. And ST6
If there is a response from the store processor 4 within a predetermined time, and if the response is a response to approve credit settlement in ST7, the printer 313 prints and issues a credit settlement slip in a predetermined print format in ST8, and the credit Finish the sales process.

If it is determined in ST3 that the card whose card data has been read by the card reader 2 is not a valid credit card, or if there is no response from the store processor 4 within a predetermined time in ST6, or S
If the response is a response not to approve the payment by credit at T7, a message indicating that the transaction is not allowed is displayed on the display 311 at ST9, and the credit sales process is ended.

Here, in the format of the credit settlement approval inquiry message shown in FIG. 7A, the item "SPI"
“D” is the communication address of the store processor 4 indicating the transmission destination of the message. The item “TMID” is the communication address of the POS terminal 3 indicating the sender of the message. The item “transaction category” is data that specifies that it is a credit settlement approval inquiry message. The item “terminal number” is a terminal ID code preset in the RAM 33 of the POS terminal 3. The item “slip number” is a reference number of the credit settlement slip read by counting up the slip number counter formed in the RAM 33. The item “transaction date” is the current date data read from the clock circuit 34. The items “company code” and “member number” are data read from the credit card 1 by the card reader 2. The items “transaction amount”, “payment category”, “payment count”, and “payment month” are key input data. By the way, the transaction amount is K
1 and the amount key K5. The payment category is entered by the payment method key K9. The number of payments and the month of payment are input by the numerical key K1 and the registration key K6.

Further, as shown in FIG. 8, when the CPU 31 of each POS terminal 3 detects the key input of the credit key K3 in the state where the "return registration" mode is selected, the settlement by credit is performed. Since the cancellation of the traded one commodity transaction has been instructed, the credit sales cancellation processing specifically shown in FIG. 10 is started. That is, the CPU 31 first executes S
As T11, data relating to the cancellation of the commodity transaction settled by credit such as the slip number, transaction date, credit company code, member number, transaction amount, and payment method category which are sequentially input from the keyboard 39 is fetched. When the data of the credit card 1 is read by the card reader 2, the credit company code and the membership number may be replaced with the card data.

Next, in step ST12, the CPU 31 creates a credit cancellation inquiry message in the format shown in FIG. 7B based on this key input data, and sends it to the store processor 4 via the communication interface 35. Then, as ST13, the store processor 4
If there is a response from ST, and the response is a response to approve the cancellation of the product transaction settled by credit in ST14, the printer 313 prints and issues a credit cancellation slip in a predetermined print format in ST15, and cancels the credit sales. The process ends.

If there is no response from the store processor 4 within a predetermined time in ST13, and if the response is a response not approving the cancellation of the merchandise transaction settled by credit in ST14, the display is displayed in ST16. A message that prohibits cancellation is displayed on 311 and the credit sales cancellation process ends.

In the format of the credit cancellation approval inquiry message shown in FIG. 7B, the item "SPI"
“D” is the communication address of the store processor 4 indicating the transmission destination of the message. The item “TMID” is the communication address of the POS terminal 3 indicating the sender of the message. The item “transaction category” is data that specifies that the message is a credit cancellation approval inquiry message. The item “terminal number” is a terminal ID code preset in the RAM 33 of the POS terminal 3. Items “slip number”, “transaction date”, “company code”, “member number”, “transaction amount” and “payment category” are data input by key input or read by the card reader 2, and payment by credit is required. It is the data printed on the credit settlement slip issued at the time of settlement of the commodity transaction to be canceled.

On the other hand, the CPU 4 of the store processor 4
1 receives the credit settlement approval inquiry message transmitted from the POS terminal 3 via the first transmission controller 44, and starts the message receiving process specifically shown in FIG. That is, the CPU 41 first discriminates the credit company of the inquiry destination from the credit company code of the credit settlement approval inquiry message received at ST21, and the second settlement controller 45 causes the host computer 7 of the credit company to approve the credit settlement. Send inquiry message. Then, in ST22, there is a response from the host computer 7 within a predetermined time, and in ST23, if the response is a response approving the settlement by credit,
As ST24, each item data (terminal number, slip number, transaction date, company code, member number, transaction category, transaction amount, payment category, etc.) in the corresponding credit settlement approval inquiry message added to the response message that approves the transaction. A transaction record at the time of credit settlement is created based on the number of payments and the payment month, and this settlement transaction record is written and stored in the transaction history file 8. Then, in ST25, the response message from the host computer 7 is sent to the first transmission controller 44.
When the message is transmitted to the POS terminal 3 inquired via, the message receiving process ends.

If there is a response from the host computer 7 within a predetermined time in ST22, but the response in ST23 is a response not approving the settlement by credit, a settlement transaction record in ST24 is created. If the response message is transmitted to the inquired POS terminal 3 in ST25 without performing the writing process, the message receiving process is terminated. If there is no response from the host computer 7 within the predetermined time in ST22, ST2
If an abnormal response message is created as 6, and this response message is sent to the POS terminal 3 that made the inquiry, this message receiving process is terminated.

Further, the CPU 4 of the store processor 4
1 receives the credit cancellation approval inquiry message transmitted from the POS terminal 3 via the first transmission controller 44, and starts the concrete message reception process shown in FIG. That is, when the CPU 41 starts this process, the "terminal number", "slip number", "transaction date" of the credit cancellation approval inquiry message received in ST31,
The transaction history file 8 is searched using "company code" and "member number" as search keys, and "terminal number", "slip number", "transaction date", "company code" and "member" that match this search key. It is determined whether or not there is a payment transaction record having "number". When it is confirmed in ST32 that the corresponding settlement transaction record does not exist, the commodity transaction for which cancellation is instructed does not actually exist.
As T33, a message response message “no transaction” is created, transmitted to the POS terminal 3 inquired, and this message reception process ends.

On the other hand, as a result of searching the transaction history file 8 in ST32, if it is confirmed that the corresponding settlement transaction record exists, the commodity transaction for which cancellation is instructed actually exists, and therefore the transaction is received as ST34. It is determined whether or not the “payment classification” of the credit cancellation approval inquiry message matches the “payment classification” of the corresponding settlement transaction record. If they do not match, there is an error in the "payment classification" input, so a message response message of "payment classification error" is created in ST35, and the POS terminal 3 that made the inquiry.
To end the message receiving process.

On the other hand, if it is confirmed in ST34 that the "payment classification" matches, the "transaction amount" of the credit cancellation approval inquiry message received in ST36 is the same as the "transaction amount" of the corresponding settlement transaction record. Judge whether or not they match. If they do not match, there is an error in inputting the "amount of transaction", so a message response message of "amount error" is created in ST37 and transmitted to the POS terminal 3 that made the inquiry, and this message is transmitted. The reception process ends.

On the other hand, if it is confirmed in ST36 that the "transaction amount" is the same, there is a commodity transaction for which cancellation is instructed, and there is no input error in the payment category or transaction amount.
From the credit company code of the credit cancellation approval inquiry message received as T38, the credit company of the inquiry destination is determined, and the credit cancellation approval inquiry message is transmitted to the host computer 7 of the credit company via the second transmission controller 45. To do. Then, as ST39, there is a response from the host computer 7 within a predetermined time, and S
If the response is a response confirming the cancellation as T40,
Each item data (terminal number, slip number, transaction date, company code, member number, transaction category, transaction amount, payment category) in the corresponding credit cancellation approval inquiry message added to the response message that approves the cancellation as ST41. Is added to the payment condition data (number of payments, payment month) of the corresponding settlement transaction record to create a transaction record at the time of cancellation of credit settlement, and the cancellation transaction record is written and stored in the transaction history file 8. Thereafter, in ST42, the response message from the host computer 7 is sent to the first transmission controller 44.
When the message is transmitted to the POS terminal 3 inquired via, the message receiving process ends.

If there is a response from the host computer 7 within a predetermined time in ST39, but the response is a response not approving cancellation in ST40, ST4
Create and write the cancellation transaction record of No. 1, S
If the response message is transmitted to the POS terminal 3 inquiring as T42, this message receiving process is ended. Further, if there is no response from the host computer 7 within a predetermined time in ST39, an abnormal response message is created in ST43, and if this response message is transmitted to the POS terminal 3 which made the inquiry, This message reception process ends.

Here, the HD in the store processor 4
When the transaction history file 8 on D46 receives a response to the host computer 7 of the credit company to approve the settlement approval inquiry by credit, the identification data (terminal number, slip number, transaction date, Company code, membership number, transaction amount, payment category) and payment condition data for payment by credit (number of payments, payment month)
A credit history storage means for accumulating and storing a payment transaction record consisting of In addition, when a response is received to the host computer 7 of the credit company to approve the cancellation approval inquiry of the payment by credit, the identification data of the corresponding product transaction and the payment by the credit of the corresponding product transaction stored in the transaction history file 8 are settled. Credit cancellation history storage means for accumulating and storing a cancellation transaction record composed of the payment condition data of.

Further, the CPU 41 of the store processor 4
When the identification data of the commodity transaction for canceling the credit settlement is input from the POS terminal 3, the operator compares the input data with the data stored in the transaction history file 8 to determine whether there is a commodity transaction for cancellation. A transaction existence determination means is configured. Further, when the presence / absence of the corresponding product transaction is confirmed by the transaction presence / absence determining means, a cancellation inquiry message transmission control means for controlling the transmission of the credit cancellation approval inquiry message to the host computer 7 of the credit company is configured.

The display 311 of each POS terminal 3 is
When there is no corresponding product transaction by the above transaction existence determination means, "no transaction" as transaction prohibition information
And a notification means for notifying that the cancellation is not possible.

In a store in which the POS system of this embodiment having the above-mentioned configuration is introduced, the operator of the POS terminal 3 receives the offer from the shopper to pay for the purchased merchandise with the credit card 1, and enters the "registration" mode. After operating the keyboard 39 or the scanner 315 of the selected POS terminal 3 to register the sales data of the customer-purchased merchandise, the credit key K3 is operated to instruct the settlement of credit for one merchandise transaction. At the same time, the card data of the credit card 1 deposited by the shopper is read by the card reader 2, and the transaction amount, the payment method category, the number of payments,
Key in the data related to payment by credit such as payment month. Then, a credit settlement approval inquiry message is created based on this key input data and the card data of the credit card 1. This inquiry message is transmitted to the store processor 4 via the first communication line 5, and It is transmitted to the host computer 7 of the corresponding credit company via the communication line 6 of No. 2 to inquire whether or not the transaction is possible.

When a response to approve the transaction is input from the host computer 7, a predetermined credit settlement slip is printed and issued in the POS terminal 3, and the settlement of the product transaction with the shopper by credit is completed. . Further, in the store processor 4, each item data (terminal number, slip number, transaction date, company code, member number, transaction classification, transaction amount, etc.) in the credit settlement approval inquiry message,
A transaction record at the time of credit settlement is created with the payment category, the number of payments, and the payment month), and this settlement transaction record is written in the transaction history file 8.

Therefore, in the transaction history file 8, data of commodity transactions (terminal number, slip number, transaction date, company code, member number) that have been settled by credit among the commodity transactions processed by each POS terminal 3 respectively. , Transaction category, transaction amount, payment category, number of payments, payment month) are accumulated and saved as a settlement transaction record.

On the other hand, when the operator of the POS terminal 3 receives an offer to return the merchandise purchased with the credit card 1 from the shopper, for example, the mode switch 3 of the POS terminal 3 is operated.
After switching 6 to the position of the "return registration" mode, the credit key K3 is operated to instruct the cancellation of one commodity transaction in which payment by credit is performed. At the same time, it was settled by the credit such as the slip number, transaction date, credit company code, member number, transaction amount, payment method classification, etc. Key in data about the cancellation of a merchandise transaction. Then, a credit cancellation approval inquiry message is created based on this key input data, and this inquiry message is transmitted to the store processor 4 via the first communication line 5.

In the store processor 4, the "terminal number", "slip number", "transaction date", "company code" and "member number" of the credit cancellation approval inquiry message received from the POS terminal 3 are used as search keys. The transaction history file 8 is searched, and whether or not there is a payment transaction record having the “terminal number”, “slip number”, “transaction date”, “company code”, and “member number” that match this search key. Is determined. Then, when the corresponding settlement transaction record does not exist, the message response message “no transaction” is transmitted to the POS terminal 3, and the message “no transaction” is displayed on the display 311 of the POS terminal 3. As a result, the operator of the POS terminal 3 can easily confirm that the commodity transaction for which cancellation is instructed does not exist. Note that there is a possibility that the slip number, transaction date, or the like has been input incorrectly, so the operator of the POS terminal 3 again executes the cancel instruction, and refuses the return if there is no corresponding merchandise transaction.

On the other hand, as a result of searching the transaction history file 8, if the corresponding payment transaction record exists, the “payment classification” of the received credit cancellation approval inquiry message is the “payment classification” of the corresponding payment transaction record. It is determined whether or not If they do not match, the message response message of "payment classification error" is transmitted, and the PO
A message “payment classification error” is displayed on the display 311 of the S terminal 3. It is also determined whether or not the "transaction amount" of the received credit cancellation approval inquiry message matches the "transaction amount" of the corresponding settlement transaction record. If they do not match, a message response message of “amount error” is transmitted, and a message of “amount error” is displayed on the display 311 of the POS terminal 3.

As a result, the operator of the POS terminal 3 becomes aware that there is an error in the payment method category and transaction amount input. Therefore, after operating the credit key K3 and instructing again to cancel the one-commodity transaction that has been settled by credit, the data such as the slip number, transaction date, credit company code, member number, transaction amount, and payment method classification are displayed. You will have to re-enter it correctly.

As a result of searching the transaction history file 8 in the store processor 4, if the corresponding settlement transaction record exists and both the payment category and the transaction amount match, the corresponding host computer via the second communication line 6. The above-mentioned credit cancellation approval inquiry message is sent to 7, and an inquiry is made as to whether or not the credit can be canceled.

Then, when a response to approve the cancellation is input from the host computer 7, a predetermined credit cancellation slip is printed and issued at the POS terminal 3, and the cancellation processing of the settlement by the credit of the corresponding commodity transaction is completed. . Further, in the store processor 4, each item data (terminal number, slip number, transaction date, company code, member number, transaction category, transaction amount, payment category) in the credit cancellation approval inquiry message and the corresponding settlement transaction record. A transaction record at the time of cancellation of credit settlement is created from the payment condition data (number of payments, payment month), and this cancellation transaction record is written in the transaction history file 8.

Therefore, in the transaction history file 8, the data (terminal number, slip number, transaction date, company code, member number) of the commodity transaction for which cancellation is instructed among the commodity transactions processed by each POS terminal 3 is performed. , Transaction category, transaction amount, payment category, number of payments, payment month) are accumulated and saved as a cancellation transaction record.

As described above, in this embodiment, when the data of the payment method category and the transaction amount input when canceling the commodity transaction settled by credit is different from the data at the time of settlement, the credit company side cancels. Since the operator is notified of an input error immediately and prompted to re-input without asking for approval, the host computer 7 of the credit company should cancel the product transaction whose data matches the data of the product transaction to be canceled. It is entered as the data.
Therefore, the credit company will not make an incorrect bill due to a data input error when canceling a product transaction settled by credit, and the reliability of the credit system can be improved. In addition, complicated post-processing for revising the data that does not match is unnecessary, and the burden required for the post-processing can be reduced. Moreover, since the operator who has made an input error is accurately notified of which item is incorrect, the work efficiency of the operator can be improved.

Since all cancellation approval inquiry messages transmitted from the store processor 4 to the host computer 7 of the credit company are valid cancellation data, useless communication of inquiry and response using the second communication line 6 is carried out. Can be eliminated. Therefore, the line usage efficiency can be improved and the line usage fee can be saved.

Further, in this embodiment, the transaction history file 8 provided in the store processor 4 is settled with data such as transaction amount, payment category, number of payments, payment month, etc. of a product transaction for which credit settlement is approved. In addition to being stored and stored as a transaction record, each data such as transaction amount, payment category, number of payments, and payment month of a commodity transaction for which cancellation of credit settlement is approved is stored and stored as a cancellation transaction record. Therefore, the transaction amount, payment category, number of payments, and each data required for calculating the fee for the payment month are not limited to the product transactions for which payment by credit is approved, but also for the product transactions for which cancellation of payment by credit is approved. All are stored and managed by the transaction history file 8, so that it is possible to calculate an accurate commission of the credit company generated by the credit settlement from the contents of the transaction history file 8. In this case, the number of payments and the payment condition items for the payment month, which are indispensable for the calculation of the commission, are omitted from the data input items when canceling the product transaction settled by credit as in the conventional case.
There is no burden on the operator.

Incidentally, when the execution instruction of the fee calculation work is input from the keyboard 47 of the store processor 4, the CPU 41 of the store processor 4 first extracts all the settlement transaction records among the transaction records accumulated and stored in the transaction history file 8. Transaction amount, payment category,
The fee is calculated from the data of the number of payments and the payment month and summed. Next, all the cancellation transaction records are extracted from the transaction history file 8, and a fee is calculated from each transaction amount, payment category, number of payments, and payment month data for each, and summed. Thereafter, the sum of the fees calculated from the cancellation transaction record is subtracted from the sum of the fees calculated from the settlement transaction record, and the difference is output as the fee of the credit company by the output means of the display 48 and the printer 49.
By programming in this way, the exact fees of the credit company can be easily known. Needless to say, the method of calculating the fee is not limited to this.

In the above embodiment, the store processor 4 is provided with a credit history storage means, a transaction existence determination means,
The cancellation inquiry message transmission control means and the credit cancellation history storage means are provided, and the POS terminal 3 is provided with the notification means.
The OS terminal 3 may include all credit history storage means, transaction presence / absence determination means, cancellation inquiry message transmission control means, credit cancellation history storage means, and notification means. Also,
The present invention may be applied to a terminal dedicated to credit processing, which is directly connected to a host computer of a credit company. In this case, the terminal number is unnecessary from the transaction record stored in the transaction history file 8.

[0057]

As described above in detail, according to the invention corresponding to claim 1 of the present application, it is possible to accurately cancel the product transaction settled by credit, whereby the credit company makes an incorrect claim to the member. It is possible to provide a credit processing device capable of preventing the occurrence of a problem, improving the reliability of the credit system, and reducing the load required for the post-processing for solving the problem caused by the cancellation of the commodity transaction.

According to the invention corresponding to claim 2 of the present application,
Even if you omit the payment condition item required for calculating the fee from the data input item when canceling the product transaction cleared by credit, the payment condition data of the product transaction canceled by credit can be stored and managed. Thus, it is possible to provide a credit processing device capable of accurately obtaining a commission generated by payment by credit without burdening an operator.

[Brief description of drawings]

FIG. 1 is a schematic diagram of a POS system that is an embodiment of the present invention.

FIG. 2 is an exemplary view showing a configuration of a transaction history file provided in the store processor of the embodiment.

FIG. 3 is a block diagram showing a main configuration of the store processor.

FIG. 4 is a block diagram showing the main configuration of the POS terminal of the embodiment.

FIG. 5 is a plan view showing a mode switch of the POS terminal.

FIG. 6 is a plan view showing a keyboard of the POS terminal.

FIG. 7 is a diagram showing formats of a credit settlement approval inquiry message and a credit cancellation approval inquiry message in the embodiment.

FIG. 8 is a flowchart showing credit key processing executed by the CPU of the POS terminal.

FIG. 9 is a flowchart specifically showing the credit sales process of FIG.

10 is a flowchart specifically showing the credit sales cancellation process of FIG.

FIG. 11 is a flowchart specifically showing a credit settlement message reception process executed by the CPU of the store processor.

FIG. 12 is a flowchart specifically showing a credit cancellation message receiving process executed by the CPU of the store processor.

[Explanation of symbols]

1 ... Credit card 2 ... Card reader 3 ... POS terminal 4 ... Store processor 7 ... Host computer 8 ... Transaction history file K3 ... Credit key

─────────────────────────────────────────────────── ─── Continuation of the front page (58) Fields surveyed (Int.Cl. ⁷ , DB name) G06F 17/60

Claims (2)

(57) [Claims] 1. When the identification data of a commodity transaction to be settled by credit and the payment condition data of the settlement by the credit are input through the input means, to the external device connected by the communication means based on the input data. When a message asking for approval of payment is sent and a response to approve is received, the payment of the corresponding product transaction is processed by credit, and the identification data of the product transaction for canceling the payment by credit is input through the input means. Then, based on this input data, a credit processing device that transmits a message asking for approval of cancellation to the external device, and when receiving a response to approve, processes the cancellation of settlement by credit of the corresponding commodity transaction, When a response is received to approve the settlement approval inquiry by credit to the external device, the corresponding product collection is received. At least the document number, transaction date, the credit company code
Credit history storage means for accumulating and storing identification data including a code, a member number, a transaction amount and a payment classification, and transmission of a commodity transaction for canceling credit settlement via the input means.
Vote number, transaction date, credit company code, member number,
When the identification data including the transaction amount and the payment category is input, the identification data stored by the credit history storage means and the slip number, transaction date, credit company code, and transaction
Transaction presence / absence determining means for determining whether or not there is a commodity transaction to be canceled by comparing the personnel numbers , and notifying means for notifying that the commodity transaction cannot be canceled when the presence / absence of the corresponding commodity transaction is confirmed by this determining means, When the presence of the corresponding commodity transaction is confirmed by the judging means, the payment category included in the identification data of the commodity transaction for canceling the payment by the credit inputted through the input means and the payment category of the commodity transaction corresponding to the transaction amount And a means for judging whether or not they match the transaction amount, a means for notifying an error of the item which does not match if the judging means judges that they do not match, and a means for judging the matching by the judging means. A credit processing device, comprising: a cancellation inquiry message transmission control means for controlling transmission of a message for inquiring approval of the cancellation. 2. When the identification data of the commodity transaction to be settled by credit and the payment condition data of the settlement by the credit are input through the input means, the external device connected by the communication means based on the input data. When a message asking for approval of payment is sent and a response to approve is received, the payment of the corresponding product transaction is processed by credit, and the identification data of the product transaction for canceling the payment by credit is input through the input means. Then, based on this input data, a message asking for approval of cancellation is sent to the external device, and when the approval response is received, the cancellation of the settlement by the credit of the corresponding commodity transaction is processed , and
Amount and payment terms for merchandise transactions that have been settled by using Ledgit
In the credit processing device that calculates the fee from the case data, when the response to the approval confirmation inquiry for the credit settlement to the external device is received, the corresponding product transaction
At least the slip number, transaction date, credit company code
Credit history storage means for accumulating and storing identification data including a credit card , member number, transaction amount and payment category, and payment condition data for payment by credit, and a voucher number for a commodity transaction for canceling payment by credit via the input means , Taking
Discount date, credit company code, member number, transaction amount and
And identification data including a payment category are input, transaction presence / absence determination means for determining whether or not there is a commodity transaction to be canceled by comparing with the data stored by the credit history storage means, and this determination means The notification means for notifying that cancellation is not possible if the existence of the corresponding merchandise transaction is confirmed by, and the cancellation inquiry for controlling the transmission of the message inquiring the approval of the cancellation when the existence of the corresponding merchandise transaction is confirmed by the judging means. When the message transmission control means and the response to approve the cancellation approval inquiry for the credit settlement to the external device are received, the identification data of the corresponding product transaction and the corresponding product transaction stored by the credit history storage device are received. 1 with payment condition data for payment by credit
Credit undo history storage means for storing storage as a record, is accumulated and stored by the credit history storage means
Transaction data for each payment transaction and the transaction amount for each
Calculate credit company fees from and payment terms data
Means for summing and crediting history storing means
Extract all the cancellation transaction data stored and stored by
Credit from transaction amount and payment condition data for each
Means to calculate and add the company fee , and the settlement transaction
Cancellation from the total value of fees calculated from each data of
Subtract the total value of fees calculated from each
A credit processing device, characterized in that the credit processing device is provided with a means for outputting as a fee of a JIT company .