JP4185412B2 - Payment processing device - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a payment processing apparatus such as a POS (Point Of Sales) terminal, an electronic cash register, a credit terminal, an electronic payment dedicated terminal, and the like, and in particular, has a performance management function of a product purchase budget set for each customer. The present invention relates to a payment processing apparatus.
[0002]
[Prior art]
As a conventional settlement processing device of this type, a budget amount is set for each purchase and a temporary registration mode is declared. In the temporary registration mode, the customer's purchased products are temporarily registered in the temporary registration buffer and temporarily registered products. Calculate the total amount of. Then, the total amount of the temporarily registered product is compared with the set budget amount, and the result is notified. Here, when a temporarily registered product is specified and cancellation is declared, the product is deleted from the temporary registration buffer, and when final sales are declared, the product temporarily registered in the temporary registration buffer is registered for sales. (For example, refer to Patent Document 1).
[0003]
By using such a settlement processing apparatus, the customer himself / herself can set a product purchase budget for each purchase, and can easily assist shopping within the budget.
[0004]
[Patent Document 1]
JP-A-8-96256
[0005]
[Problems to be solved by the invention]
However, in this type of conventional payment processing apparatus, it is necessary to set a product purchase budget for each purchase, so that the customer himself purchases the product as monthly living expenses for one month, for example. Even when setting a budget, there has been a demand for a settlement processing apparatus that can easily support shopping within the budget.
[0006]
The present invention has been made based on such circumstances. The purpose of the present invention is not to set a product purchase budget for one purchase every time a purchase is made, but to multiple times within a predetermined period. It is an object of the present invention to provide a settlement processing apparatus that can set a product purchase budget for shopping and can easily support shopping within the budget within that period.
[0007]
[Means for Solving the Problems]
The present invention relates to a product processing transaction in a settlement processing device that settles a product sales transaction from the price of a registered product and payment data of the price, such as a POS terminal, an electronic cash register, a credit terminal, an electronic payment dedicated terminal, etc. Budget management data acquisition means is provided for acquiring a budget period of a customer as a trading partner, a budget amount within that period, and settlement history data of the customer's past product sales transactions. Also, A purchase price storage means for storing the current purchase price processed by the settlement processing of the current merchandise sales transaction, a timekeeping means for timing the current date, This product sales transaction At the time of payment processing, Budget period acquired by budget management data acquisition means of Inside , A budget period extracting means for extracting a budget period including the current date being timed by the timing means, and a budget period extracted by the budget period extracting means Settlement history data Stored in the purchase price storage means in the total purchase price This product sales transaction The purchase total calculation means for calculating the total price of the products purchased by the customer within the corresponding budget period is provided. And The total purchase amount is compared with the budget amount within the corresponding budget period, and the result is notified.
[0008]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
First, a first embodiment will be described with reference to FIGS. The first embodiment includes customer budget data storage means for storing budget data that can be set for each customer, and settlement history data storage means for storing settlement history data of merchandise sales transactions for each customer. It is provided on a database server connected to the outside of the payment apparatus, and the payment apparatus accesses the database server to acquire the budget data and payment history data of the corresponding customer.
[0009]
FIG. 1 is a block diagram showing the system configuration of the present embodiment. This system comprises one customer management server 1 installed in a management body and a plurality of POS terminals 2 installed in each designated store under the management of the management body. The customer management server 1 and each POS terminal 2 are connected to each other through a dedicated network 3 such as a LAN (Local Area Network) so that they can communicate with each other.
[0010]
Incidentally, when constructing this system in units of chain stores such as supermarkets and convenience stores, each chain store becomes a designated store, and the headquarters controlling each chain store becomes a management body. When this system is constructed in units of shopping streets, shopping centers, etc., each member store becomes a designated store, and a developer who manages each member store becomes a management body. The management body assigns a customer ID code as customer data for specifying each customer to each customer shopping at each store. A customer card 10 is issued to each customer as a portable storage medium storing the customer ID code. The customer card 10 may be a magnetic card in which a customer ID code is magnetically recorded, or may be an IC card stored in a semiconductor memory. The data exchange method may be a contact type or a non-contact type. In addition, mobile devices such as mobile phones and PDAs (Personal Digital Assistants) can be used as portable storage media.
[0011]
The customer management server 1 has a function as a database server that manages the customer budget database 4 and the settlement history database 5.
In the customer budget database 4, as shown in FIG. 2, for each customer ID code assigned to each customer, data on the start date and end date of the budget period that can be set by the customer himself, A plurality of patterns of data indicating the budget amount within the period are accumulated. Here, the customer budget database 4 constitutes customer budget data storage means.
[0012]
In the settlement history database 5, as shown in FIG. 3, for each customer ID code, the date of purchase (purchase date) by the customer and the store code which is the identification code of the store, and at that time The purchase amount of each is accumulated sequentially. Here, the settlement history database 5 constitutes a settlement history data storage means.
[0013]
The customer management server 1 is connected to a public network 6 such as the Internet, and can be accessed via a public network 6 from a user terminal such as a personal computer 7 or a mobile phone 8. Then, the customer who owns the customer ID code connects to the customer management server 1 using the user terminals 7 and 8 and obtains the access right by inputting his / her customer ID code and personal identification number. A new budget period and budget amount can be added to the customer budget database 4, and the existing budget period and budget amount can be modified or deleted.
[0014]
Each POS terminal 2 is an example of a payment processing apparatus according to the present invention, and includes a card reader / writer 9 that can read data stored in the customer card 10. In this embodiment, instead of the card reader / writer 9, a read-only card reader may be provided.
[0015]
FIG. 4 is a block diagram showing a main configuration of the POS terminal 2. The POS terminal 2 includes a CPU (Central Processing Unit) 11 that constitutes a control unit main body, a ROM (Read Only Memory) 12 that stores fixed data such as programs in advance, and a RAM (Random Access) that stores various data in a rewritable manner. Memory) 13, a clock unit 14 that measures the current date and time, a communication interface 15 that manages data transmission / reception with the customer management server 1 connected via the dedicated network 3, and a signal from a mode switch 16. 17 is an input / output (I / O) port 18 from which a signal is output, a keyboard controller 20 that takes in a key signal corresponding to an operation key from a keyboard 19, and a first display controller that displays data on an operator display 21. 22. Drive the second display controller 24 for displaying data on the customer display 23 and the printer 25. A printer controller 26 for moving receipt printing and the like, and a card reader / writer controller 27 for taking in card information read by the card reader / writer 9 are provided. Then, the CPU 11, the ROM 12, the RAM 13, the clock unit 14, the communication interface 15, the I / O port 18, and the controllers 20, 22, 24, 26, and 27 of various input / output devices are connected to a bus line such as an address bus and a data bus. 28, the control unit of the POS terminal 2 is configured.
[0016]
The mode switch 16 is a switch for alternatively selecting various business modes such as “registration”, “inspection”, “settlement”, “setting”, and is switched by a key, for example. By the way, “registration” means that the sales data of the product is registered in the sales registration memory of the RAM 13 based on the input product information, and when the registration closing of the product sales transaction is declared, the sales registration is performed for the transaction. This is a business mode in which the merchandise sales transaction is settled from the price of the merchandise and payment data of the price, and a receipt is printed and issued. “Check” is a job mode in which data registered in the sales registration memory by the registration job is totaled and the result is output as a sales check report. “Checkout” is a mode of business in which the data registered in the sales registration memory is aggregated as in the inspection business, and the result is output as a sales inspection report, and then the contents of the sales registration memory are cleared. “Setting” is a job mode in which data necessary for executing various jobs is set in the RAM 13 in advance.
[0017]
The keyboard 19 is provided with a key for inputting various product information, a key for inputting payment data, and a closing key for declaring registration closing.
[0018]
Each POS terminal 2 having such a configuration has a plurality of stages (this embodiment) as shown in FIG. 5 as a configuration necessary for assisting shopping within a budget within a predetermined period set by each customer. In the embodiment, a message table 30 in which different print message data is set for each range of the budget ratio A divided into four stages) is created and stored in the RAM 13. Here, the budget ratio A is, for example, a product purchase budget amount for a plurality of purchases performed within a predetermined budget period such as one week or one month, for example, M, and a product actually purchased at each store within that period Is a ratio of the total amount N to the budget amount M, that is, a ratio calculated by (N / M) × 100. Therefore, in the range where the budget ratio A is small, a message that informs the customer that the budget is sufficient, for example, “There is enough budget left. ? "Or" Budget still has room. How about YYYY (store recommended product name)? "Is set, and when the budget ratio A approaches 100%, the customer is informed that the budget is almost achieved. When a message is set, for example, “90% of the budget has been reached. Let's save now” and the budget ratio A exceeds 100%, a message that informs the customer that the budget is over, for example, “Budget is over. Thank you for your purchase. ”Is set. The contents of various messages can be changed as appropriate for each POS terminal 2 in the setting work.
[0019]
In addition, each POS terminal 2, as shown in FIG. 6, in order to realize the shopping support function, the current purchase price area 31, the registration flag area 32, the card flag area 33, the purchase price accumulation area 34, the budget ratio area 35, various memory areas of a receipt print data buffer 36, a customer budget data buffer 37, and a settlement history data buffer 38 are formed on the RAM 13.
[0020]
Thus, the program is configured so that when the key operation of the keyboard 19 is operated and input while the registration job mode is selected by the mode switch 16, the CPU 11 executes the key operation shown in the flowchart of FIG. is doing.
[0021]
That is, when starting the closing key process, the CPU 11 first checks the registering flag in the registering flag area 32 as ST (step) 1 to check whether the sales data of the commodity sold and sold as one transaction is registered. Judge whether or not. Here, if the registration flag is reset, it is determined that the registration key has been declared in spite of the fact that the product registration has not been performed.
[0022]
When the registering flag is set in ST1, the CPU 11 executes the settlement process for the merchandise sales transaction as ST2. For example, when the deposit amount is input using the numeric key and the deposit / actual total key of the keyboard 19, cash settlement is instructed for the merchandise sales transaction, and the deposit amount is stored in the current purchase amount area 31. The change amount is calculated by subtracting the current purchase amount from the deposit amount on condition that it is equal to or greater than the stored current purchase amount. Then, the registration closing print data such as the current purchase amount, the deposit amount, and the change amount are stored in the receipt print data buffer 36.
[0023]
Next, the CPU 11 checks the card flag in the card flag area 33 as ST3 and determines whether or not the customer ID code is read. If the card flag has been reset, the customer ID code has not been read, so the CPU 11 skips the processes of ST4 and 5 and proceeds to the process of ST6. On the other hand, when the card flag is set, since the customer ID code stored in the customer card 10 is read via the card reader / writer 9 (customer data acquisition means), the CPU 11 performs ST4, ST5. After executing the process, the process proceeds to ST6.
[0024]
In ST4, the CPU 11 makes an inquiry to the customer management server 1 using the read customer ID code as a search key, and the budget period (start date, end date) stored in the customer budget database 4 corresponding to the customer ID code. And the budget data of the budget amount and the purchase history, the store code and the payment history data of the purchase amount stored in the settlement history database 5 corresponding to the customer ID code (budget management data acquisition means) . Then, the budget data is written into the customer budget data buffer 37 and the settlement history data is written into the settlement history data buffer 38.
[0025]
In ST5, the CPU 11 executes a budget performance comparison process specifically shown in FIG. First, the current date measured by the clock unit 14 is acquired as ST21. Next, a budget period including the current date is acquired from the budget data stored in the customer budget data buffer 37 as ST22. Here, when the budget period including the current date can be acquired as ST23 (budget period determination means), the CPU 11 acquires the budget amount M set corresponding to the budget period as ST24. Further, the CPU 11 extracts the settlement history data whose purchase date is included in the budget period from the settlement history data stored in the settlement history data buffer 38 as ST25, and purchases the purchase amount of the extracted data. The total is made using the amount accumulation area 34. Thereafter, in ST26, the current purchase amount in the current purchase amount area 31 is added to the total purchase amount in the total purchase amount area 34 to calculate the total amount N of products purchased within the budget period (total purchase calculation means). .
[0026]
When the budget amount M and the total purchase amount N within the budget period are acquired in this way, the CPU 11 calculates a budget ratio A according to the following equation (1) as ST27 (contrast means).
A = (N / M) × 100 (1)
After calculating the budget ratio A, the CPU 11 searches the message table 30 as ST28, determines the budget ratio range to which the budget ratio A belongs, and prints set corresponding to the budget ratio range. Extract message data. If the extracted print message data is stored in the receipt print data buffer 36 in ST29, the process proceeds to ST6.
[0027]
If the budget period including the current date cannot be acquired in ST23 (budget period determination means), the CPU 11 prints message data indicating that the budget is not set in ST30, for example, “Budget is not set. "Is extracted from the message table 30, stored in the receipt print data buffer 36, and the process proceeds to ST6.
[0028]
In ST6, the CPU 11 causes the operator's display 21 and the customer's display 23 to display the payment details (for example, the total purchase amount, the deposit amount, the change amount, etc.).
[0029]
Thereafter, the CPU 11 supplies the print data stored in the receipt print data buffer 36 to the printer controller 26 as ST7, and controls the receipt print of the print data (notification means). Further, the CPU 11 outputs a drive signal from the I / O port 18 to the drawer 17 as ST8, and opens the drawer 17.
[0030]
Thereafter, the CPU 11 confirms that the customer ID code has been read from the state of the card flag in ST9, and the customer ID code, current date (purchase date), current purchase amount, and store code as ST10. To create payment history data for the customer today. Then, the settlement history data is transmitted to the customer management server 1 via the dedicated network 3 to update the settlement history database 5. If it is confirmed that the customer ID code has not been read, the process of ST10 is not executed.
[0031]
Thereafter, the CPU 11 resets the registering flag and the card flag in ST11, and ends the closing key input process. In addition, when the first product registration of the next product sales transaction is performed, the CPU 11 prior to the sales registration of the product, the current purchase amount area 31, the purchase amount accumulated area 34, the budget ratio area 35, and each data buffer 36. , 37 and 38 are cleared.
[0032]
In this embodiment configured as described above, a customer who owns the customer card 10 accesses the customer management server 1 using a user terminal such as a personal computer 7 or a mobile phone 8 as appropriate. A monthly budget period and a budget amount for a plurality of purchases to be made within that period are set. Then, the budget data (budget period start date, budget period end date, budget amount) set by each customer is stored and managed for each customer by the customer budget database 4 of the customer management server 1.
[0033]
Further, when a customer shop at a designated store where the customer card 10 can be used, the customer presents his / her customer card 10 to the store side at the time of settlement. When the store clerk at each store receives the presentation of the customer card 10 from the customer, the store clerk operates the key for closing the merchandise transaction with the customer while the card reader / writer 9 reads the data of the customer card 10. By doing so, settlement history data (purchase date, store code, purchase price) of the merchandise sales transaction is transmitted from the POS terminal 2 to the customer management server 1, and this settlement history data is sent to the customer by the settlement history database 5. It is stored and managed separately.
[0034]
Further, when the key operation is performed while the data of the customer card 10 is being read by the card reader / writer 9, the budget period set by the customer himself specified by the customer ID code stored in the customer card 10. The data indicating the budget amount within the period and the settlement history data of the customer's past merchandise sales transaction are read from the customer budget database 4 and the settlement history database 5 and taken into the POS terminal 2. When the current merchandise sales transaction is performed within the budget period, the POS terminal 2 purchases the budget amount M set corresponding to the budget period and the customer within the corresponding budget period. The total amount N of the product is determined. Then, a budget ratio A is calculated from the budget amount M and the total amount N. And the message preset with respect to this budget ratio A is printed on the receipt issued with respect to the merchandise sales transaction with the said customer.
[0035]
Assume that the budget ratio range and message data having the contents shown in FIG. 5 are set in the message table 30. In this case, for example, if a product sales transaction is performed with a customer whose budget ratio A is 90% or more and less than 100%, the receipt 40 for this transaction has a budget ratio range (90%) as shown in FIG. ≦ A <100%) The message “You have reached 90% of your budget. Let's save now” 41 is printed. Therefore, the customer can easily grasp that the budget is small from the contents of the message 41 printed on the receipt 40.
[0036]
As described above, according to the present embodiment, the customer himself / herself sets a reservation period such as one week or one month and a product purchase budget for a plurality of purchases within the period, so that the budget within the reservation period is set. It is possible to notify the customer of a message suitable for the usage situation. As a result, shopping within a budget within a predetermined budget period can be easily assisted, and customer service can be improved.
[0037]
Next, a second embodiment corresponding to the first, third and fifth aspects of the invention will be described with reference to FIGS. In the second embodiment, budget data settable for each customer is stored in a portable storage medium owned by each customer, and the portable storage medium is used for a well-known point service system. It is a case where it is set as a reward card.
[0038]
FIG. 10 is a block diagram showing the system configuration of the present embodiment, and the same components as those in FIG. That is, the present embodiment differs from the first embodiment on the system in that a card reader / writer 9 capable of reading and writing data with respect to the point card 50 is provided in the POS terminal 52 and the same. The point information terminal 53 provided with the card reader / writer 51 is connected to the dedicated network 3 similarly to the POS terminal 52 and the customer budget database 4 is excluded from the customer management server 1.
[0039]
As shown in FIG. 11, the point card 50 stores in its storage unit a customer ID code for identifying the customer who is the card holder, and for each merchandise transaction at a point service member store. Accumulated points of points generated, the start date and end date of an arbitrary budget period, and the budget amount for multiple purchases within that period are variably stored. For example, an IC card is used.
[0040]
The POS terminal 52 and the point information terminal 53 are respectively installed at the point service member stores. The point information terminal 53 displays the accumulated points of the point card 50 read via the card reader / writer 51 for confirmation, and in addition to the well-known function of issuing discount coupons from the points, this embodiment The point information terminal 53 can be used to set a budget period and a budget amount desired by the customer for the point card 50.
[0041]
The POS terminal 52 is an example of the payment processing apparatus of the present invention, and the hardware configuration is the same as that of the POS terminal 2 shown in FIG. In order to realize the shopping support function, a memory area excluding the customer budget data buffer 37 is formed in the RAM 13 among the message table 30 and the memory areas 31 to 38 shown in FIG. Instead of the customer budget data buffer 37, a card data buffer for temporarily storing card data of the point card 50 is formed in the RAM 13.
[0042]
Thus, when the closing key of the keyboard 19 is operated and input in a state where the registration job mode is selected by the mode switch 16, the CPU 11 of the POS terminal 52 executes the closing key process shown in the flowchart of FIG. First, in ST21, the registration flag in the registration flag area 32 is checked to determine whether or not the sales data of the product sold and sold as one transaction has been registered. Execute settlement processing for merchandise sales transactions.
[0043]
Next, the CPU 11 checks the card flag in the card flag area 33 at ST23 to determine whether or not the point card 50 is read. If the card flag has been reset, it is determined that the point card 50 has not been read, and other processing is executed.
[0044]
On the other hand, if the card flag is set, the data (customer ID code, accumulated points, budget start date, budget end date, budget amount) stored in the point card 50 via the card reader / writer 9 is stored. Since it is being read, the card data is temporarily stored in the card data buffer as ST24 (budget data acquisition means), and then the current point is calculated based on the current purchase price stored in the current purchase price area 31 as ST25. Further, this current point is added to the accumulated points read from the point card 50 to calculate the accumulated points after the current transaction.
[0045]
Next, the CPU 11 determines whether budget data for a budget period and a budget amount is set in the card data of the point card 50 in ST26. If it is not set here, the process proceeds to ST36.
[0046]
On the other hand, when the budget data is set, the CPU 11 acquires the current date measured by the clock unit 14 as ST27. In ST28, it is determined whether the current date is within the budget period in the card data (budget period determination means).
[0047]
Here, if it is within the budget period, the CPU 11 makes an inquiry to the customer management server 1 using the customer ID code in the card data as a search key in ST29, and stores it in the settlement history database 5 corresponding to the customer ID code. The payment history data of the purchase date, the store code, and the purchase amount that have been stored are taken in and stored in the payment history data buffer 38 (payment history data acquisition means). Next, the CPU 11 extracts the settlement history data whose purchase date is included in the budget period from the settlement history data stored in the settlement history data buffer 38 as ST30, and purchases the purchase amount of the extracted data. The total is made using the amount accumulation area 34. Thereafter, as ST31, the total purchase amount in the total purchase amount area 34 is added to the current purchase amount in the current purchase amount area 31 to calculate the total amount N of products purchased during the budget period (total purchase calculation means). .
[0048]
When the total purchase amount N within the budget period is calculated in this way, the CPU 11 extracts the budget amount M stored in the card data buffer as ST32, and from the budget amount M and the total purchase amount N, (1) The budget ratio A is calculated by the formula (contrast means). When the budget ratio A is calculated, the CPU 11 searches the message table 30 as ST33, determines the budget ratio range to which the budget ratio A belongs, and prints set corresponding to the budget ratio range. Extract message data. If the extracted print message data is stored in the receipt print data buffer 36 in ST34, the process proceeds to ST36.
[0049]
If the current date is not within the budget period in ST28, the CPU 11 extracts print message data indicating that the budget is not set as ST35, stores it in the receipt print data buffer 36, and proceeds to the process of ST36. .
[0050]
In ST36, the CPU 11 displays the settlement contents on the operator display 21 and the customer display 23. Thereafter, the CPU 11 supplies the print data stored in the receipt print data buffer 36 to the printer controller 26 as ST37, and controls the receipt print of the print data (notification means). Further, the drawer 17 is opened as ST38.
[0051]
After that, the CPU 11 creates settlement history data for the customer for today from ST31, the customer ID code in the card data, the current date (purchase date), the current purchase amount and the store code. Then, the settlement history data is transmitted to the customer management server 1 to update the settlement history database 5. Further, the CPU 11 overwrites the point card 50 with the data in the card data buffer via the card reader / writer 51 in ST40. Thereafter, the CPU 11 resets the registering flag and the card flag in ST41, and terminates the closing key input process.
[0052]
Also in this embodiment configured as described above, the customer who owns the point card 50 can easily use the budget within the budget period set by the customer every time he / she makes a purchase at the point service member store. Can know. Therefore, shopping within a budget within a predetermined budget period can be easily assisted, and customer service can be improved.
[0053]
Next, a third embodiment corresponding to the first, fourth, and fifth aspects of the invention will be described with reference to FIGS. In the third embodiment, budget data settable for each customer and settlement history data of the customer are stored in a portable storage medium owned by each customer. Is an electronic money card used in a known electronic money settlement system.
[0054]
FIG. 10 is a block diagram showing a system configuration of the present embodiment. This system includes one financial institution server 61 installed in a financial institution, and a POS terminal 62 and a deposit terminal 63 installed in each electronic money settlement system member store. The financial institution server 61, the POS terminal 62, and the deposit terminal 63 are connected to each other through a dedicated network 64 such as a LAN (Local Area Network) so as to be able to communicate with each other.
[0055]
The financial institution server 61 manages the account database 65. It has a function as a database server.
[0056]
The POS terminal 62 and the deposit terminal 63 are each provided with a card reader / writer 67 that can write and read data to and from the electronic money card 66. The electronic money card 66 is composed of, for example, an IC card, and in the storage unit, as shown in FIG. 14, a user ID code for identifying a card user who is an account opener is fixedly stored, and the card is also stored in the card. The charged balance data, the start date and end date of an arbitrary budget period, and the budget amount for a plurality of purchases within that period are variably stored. Further, the storage unit can store settlement history data including purchase date and purchase price.
[0057]
In addition to the well-known function of charging balance data to the electronic money card 66 via the card reader / writer 67, the deposit terminal 63 uses the deposit terminal 63 in this embodiment to make the customer himself / herself in the electronic money card 66. Can set a desired budget period and budget amount.
[0058]
The POS terminal 62 is an example of the payment processing apparatus of the present invention, and the hardware configuration is the same as that of the POS terminal 2 shown in FIG. In order to realize the shopping support function, a memory area excluding the customer budget data buffer 37 and the settlement history data buffer 38 is formed in the RAM 13 among the message table 30 and the memory areas 31 to 38 shown in FIG. ing.
[0059]
Thus, when the card key declaring payment by the electronic money card 66 is operated and input in the state where the registration work mode is selected by the mode switch 16, the CPU 11 of the POS terminal 62 causes the lock key shown in the flowchart of FIG. Execute the process. First, in ST51, the registration flag in the registration flag area 32 is checked to determine whether or not the sales data of the commodity to be bought and sold as one transaction has been registered. Card data including balance data is read from the electronic money card 66 via the card reader / writer 67 (budget management data acquisition means). Then, the purchase amount stored in the current purchase amount area 31 at ST53 is compared with the balance read from the electronic money card 66. Here, when the balance is insufficient with respect to the purchase amount, an error of insufficient balance is notified.
[0060]
On the other hand, if the balance is equal to or greater than the purchase amount, the CPU 11 executes a money card settlement process for deducting the purchase amount from the balance data as ST54.
[0061]
Next, the CPU 11 determines whether or not budget data for a budget period and a budget amount is set in the card data of the electronic money card 66 in ST55. If it is not set, the process proceeds to ST64.
[0062]
On the other hand, when the budget data is set, the CPU 11 acquires the current date measured by the clock unit 14 as ST56. Then, in ST57, it is determined whether or not the current date is within the budget period in the card data (budget period determination means).
[0063]
Here, if it is within the budget period, the CPU 11 extracts the settlement history data whose purchase date is included in the budget period from the settlement history data of the card data read from the electronic money card 66 as ST58. Then, the purchase amount of the extracted data is totaled using the purchase amount accumulation area 34. Thereafter, as ST59, the current purchase amount in the current purchase amount area 31 is added to the total purchase amount in the total purchase amount area 34 to calculate the total amount N of products purchased during the budget period (total purchase calculation means). .
[0064]
After calculating the total purchase amount N within the budget period in this way, the CPU 11 acquires the budget amount M of the card data read from the electronic money card 66 as ST60, and from this budget amount M and the total purchase amount N, The budget ratio A is calculated by the equation (1) (contrast means). After calculating the budget ratio A, the CPU 11 searches the message table 30 as ST61, determines the budget ratio range to which the budget ratio A belongs, and prints set corresponding to the budget ratio range. Extract message data. If the extracted print message data is stored in the receipt print data buffer 36 in ST62, the process proceeds to ST64.
[0065]
If the current date is not within the budget period in ST57, the CPU 11 extracts print message data indicating that the budget is not set in ST63, stores it in the receipt print data buffer 36, and proceeds to the process of ST36. .
[0066]
In ST64, the CPU 11 displays the payment contents on the operator display 21 and the customer display 23. Thereafter, the CPU 11 supplies the print data stored in the receipt print data buffer 36 at ST65 to the printer controller 26, and controls the receipt print of the print data (notification means).
[0067]
Thereafter, the CPU 11 updates the balance data of the electronic money card 66 to the latest value in ST66. Also, settlement history data for today is created from the current date (purchase date) and the current purchase amount, and this settlement history data is added to the electronic money card 66 (settlement history updating means). Thereafter, the CPU 11 resets the registering flag at ST67 and ends the card key input process.
[0068]
Also in the present embodiment configured as described above, each time the customer who owns the electronic money card 66 makes a purchase at an electronic money payment system member store, the use of the budget within the budget period set by the customer himself / herself is used. You can easily know the situation. Therefore, shopping within a budget within a predetermined budget period can be easily assisted, and customer service can be improved.
[0069]
The present invention is not limited to the embodiments described above.
For example, in the above embodiment, the print message data is set corresponding to each range of the budget ratio A set in stages, but the budget is almost achieved only for the range where the budget ratio A is close to 100%. A message that warns the user may be set, and the customer may be notified by notification means such as receipt printing or display on the customer display 23. Further, as shown in FIG. 16, the budget period may be printed on the receipt together with a message corresponding to the budget ratio A. By doing so, the customer can easily know the remaining period during which shopping can be performed within the budget, and can more reliably assist shopping within the budget within the budget period.
[0070]
The present invention is not limited to a POS terminal, but can be applied to an electronic cash register, a credit terminal, an electronic payment dedicated terminal, and the like.
[0071]
In addition, the present invention is not limited to the above-described embodiments as they are, and can be embodied by modifying the components without departing from the scope of the invention in the implementation stage. Further, various inventions can be formed by appropriately combining a plurality of constituent elements disclosed in the above embodiments. For example, some components may be deleted from all the components shown in the embodiment. Furthermore, constituent elements over different embodiments may be appropriately combined.
[0072]
【The invention's effect】
According to the present invention in which such measures are taken, it is possible to easily support shopping within a budget set for a plurality of times of shopping within a predetermined period, thereby improving customer service. It is possible to provide a settlement processing apparatus that can
[Brief description of the drawings]
FIG. 1 is a system configuration diagram according to a first embodiment of the present invention.
FIG. 2 is a schematic diagram showing a data structure of a customer budget database in FIG.
3 is a schematic diagram showing a data structure of a settlement history database in FIG.
4 is a block diagram showing a main configuration of the POS terminal in FIG. 1. FIG.
FIG. 5 is a schematic diagram showing a data structure of a message table formed in the RAM of the POS terminal.
FIG. 6 is a schematic diagram showing main memory areas formed in the RAM of the POS terminal.
FIG. 7 is a flowchart showing a main part of a closing key input process executed by the CPU of the POS terminal.
FIG. 8 is a flowchart specifically showing budget performance comparison processing in FIG.
FIG. 9 is a schematic diagram showing an example of a receipt printed and issued in the embodiment.
FIG. 10 is a system configuration diagram according to a second embodiment of the present invention.
FIG. 11 is a memory structure diagram of a point card used in the second embodiment.
FIG. 12 is a flowchart showing the main part of a closing key input process executed by the CPU of the POS terminal in the second embodiment.
FIG. 13 is a system configuration diagram according to a third embodiment of the present invention.
FIG. 14 is a memory structure diagram of an electronic money card used in the third embodiment.
FIG. 15 is a flowchart showing the main part of card key input processing executed by the CPU of the POS terminal in the third embodiment;
FIG. 16 is a schematic diagram showing another example of printing a receipt.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Customer management server, 2, 52, 62 ... POS terminal, 4 ... Customer budget database, 5 ... Settlement history database, 9, 51, 67 ... Card reader / writer, 10 ... Customer card, 30 ... Message table, 50 ... Point Card, 53 ... point information terminal, 63 ... deposit terminal, 66 ... electronic money card.

Claims (5)

In a payment processing device that settles a product sales transaction from the price of a registered product and payment data for that price,
Budget management data acquisition means for acquiring a budget period of a customer who is a merchandise trading partner and a budget amount within that period and settlement history data of past merchandise sales transactions of the customer;
A purchase price storage means for storing the current purchase price processed by the settlement processing of the current merchandise sales transaction;
A timing means for timing the current date;
In settlement processing time of this trading transactions in, among budget period acquired by the budget management data acquisition means, and budget period extraction means for extracting a budget period including a current date which is clocked by the clock means,
The total purchase amount of the settlement history data within the budget period extracted by the budget period extraction unit is added to the purchase amount of the current merchandise sales transaction stored by the purchase amount storage unit , so that the customer is in a budget period Purchase total calculation means for calculating the total amount of products purchased within,
A comparison means for comparing the total purchase amount calculated by the total purchase calculation means with the budget amount within the corresponding budget period;
Informing means for informing the comparison result by the comparing means,
A payment processing apparatus comprising: And customer budget data storage means for storing the budget amount of 顧 budget period and in the period that can be set for each customer,
Payment history data storage means for storing payment history data of merchandise sales transactions for each customer;
Customer data acquisition means for acquiring customer data for identifying a customer who is a trading partner of the commodity sales transaction ,
The budget management data acquisition means includes the customer budget data storage means and the customer budget period specified by the customer data acquired by the customer data acquisition means, the budget amount within that period, and the settlement history data of merchandise sales transactions; settlement processing apparatus according to claim 1, wherein the benzalkonium be obtained from the settlement history data storage means. And settlement history data storage means for storing the settlement history data of the trading transactions in the 顧 each customer,
Budget data acquisition means for reading data indicating a budget period that can be set for each customer together with customer data for identifying the customer who is the owner of the medium from a portable storage medium, and budget amount within that period ;
The budget management data acquisition means acquires the budget period read from the portable storage medium by the budget data acquisition means and the budget amount within the period, and specified by the customer data read from the portable storage medium settlement processing apparatus according to claim 1, wherein the payment history data of the customer, characterized and Turkey be obtained from the settlement history data storage means to be. Reading and writing data to and from a portable storage medium that stores data indicating the budget period that can be set for each customer and the budget amount within that period, and settlement history data of the customer's past merchandise sales transactions. And means
Via the reading and writing means , further comprising: a payment history update means for adding payment data of the current product sales transaction to the payment history data of the product sales transaction stored in the portable storage medium ,
The budget management data acquisition means, through the reading and writing means, data indicating the budget period that can be set for each customer from the portable storage medium and the budget amount within that period, and the past product sales transactions of the customer 2. The settlement processing apparatus according to claim 1, wherein the settlement processing apparatus is obtained by reading settlement history data . The notification means, wherein the payment data of the current merchandising transactions on a receipt to be issued is printed to notify the preset messages for comparison result by said comparing means to print with said payment data The settlement processing apparatus according to any one of claims 1 to 4.

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