JPH01120665A - Automatic housekeeping book production system - Google Patents

Abstract

PURPOSE:To transmit family finances data and the automatically calculate the income/outgo for production of a housekeeping book by securing on-line connection among a POS terminal having an ID card reader, a computer set at a bank and a housekeeping book production terminal. CONSTITUTION:A user uses an ID card 9 for payment of his/her purchase and the amount of purchase is paid through the user's account via a computer 11 set at a bank. A POS terminal 7 reads automatically the user's telephone number out of the card 9 and has automatic access to a user terminal 1. Thus the data on purchase, commodity names, money, etc., are transmitted through a communication circuit 10. The terminal 1 stores the received data in a buffer memory 2. These stored data are processed by a processor 3 via software prepared at the terminal 1 for production of a housekeeping book. This book is printed out.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an automatic household account book creation method that utilizes a data network system connected online with a POS terminal and a bank computer.

[Conventional technology]

Previously, payment systems existed for consumers to purchase products by connecting a POS terminal with an ID card reader to a bank's computer online, but the data was automatically received by the user to create a household account book. system has not been implemented.

[Problem that the invention seeks to solve]

Since the conventional payment system described above is not connected to the user's terminal online, the only information that the user can obtain is what is written on the receipt, and when the user creates a household account book, the user must use the receipt. It was a hassle to have to organize things and fill in the household account books. Furthermore, if the receipt is lost, the exact amount of the item or the time of purchase cannot be determined, leading to inconveniences such as a discrepancy in income and expenditure.

An object of the present invention is to provide an automatic household account book creation method that improves the above-mentioned problems by transmitting data regarding product purchases to a user terminal.

[Means for solving problems]

The automatic household account book creation method of the present invention is applied to an I
It has a network system that includes a PO8 terminal with a D-card reader, a financial institution's computer system, and a user terminal, and when a user purchases a product, from the financial institution's account stored in the user's ID card. Debiting the purchase price of the product, transmitting the account balance, purchase amount, purchase date and time, etc. to a user terminal having a phone number stored in the ID card, and the user terminal having its own software stored therein. Example 6 Next, the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing one embodiment of the present invention. In the figure, a user terminal 1 is a buffer memory 2 that stores data from a PO8 terminal 7 and a bank computer 11.
, a processor 3 for processing the data, and a display 4 or printer 5 for displaying the data. The POS terminal 7 is connected to an ID card reader 8 and can read data on an ID card 9 owned by the user. The PO8 terminal 7 and the ID card reader 8 are installed at a retail store, and the user terminal 1 is installed at the user's home.

When a user makes a purchase, he or she uses the ID card 9 to make a payment procedure, and the bank computer 11 debits the payment from the user's account. Since this ID card 9 records the user's telephone number, the PO8 terminal 7 that reads this automatically accesses the user terminal 1 and records data such as the purchase date and time of the product, product name, and price. Communication line 1
Send through 0.

The user terminal 1 stores the received data in a buffer memory 2. This data is processed by the processor 3 using software prepared in the user terminal 1 to create a household account book, which includes the name of the purchased product, date and time.

Data such as the amount and balance can be displayed on the display 4 or printed out from the printer 5.

〔Effect of the invention〕

As explained above, the present invention transmits household budget data by connecting the PO8 terminal with an ID card reader, a bank computer, and a household account book creation terminal online, automatically calculates income and expenses, and creates a household account book. This has the effect of eliminating the hassle of having to re-enter the household account book at a later date based on the receipt received at the store.

Another benefit is that household income and expenditure can be calculated using accurate data.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing one embodiment of the present invention. 1... User terminal, 6... Exchange, 7... PO
8 terminal, 8... ID card reader, 9... ID card, 10... data line, 11... bank computer.

Claims (1)

[Scope of Claims] A network system including a POS terminal equipped with an ID card reader installed in a store, a computer system of a financial institution, and a user terminal, the use of which occurs when a user purchases a product. The purchase price of the said product will be debited from the financial institution account stored in the person's ID card, and the balance of the said account, the purchase amount, the date and time of the purchase, etc.
An automatic household account book creation method characterized in that a telephone number stored in a D card is transmitted to a user terminal, and the user terminal calculates household income and expenditure using software stored independently.