JPH0223897B2 - - Google Patents
Info
- Publication number
- JPH0223897B2 JPH0223897B2 JP5192484A JP5192484A JPH0223897B2 JP H0223897 B2 JPH0223897 B2 JP H0223897B2 JP 5192484 A JP5192484 A JP 5192484A JP 5192484 A JP5192484 A JP 5192484A JP H0223897 B2 JPH0223897 B2 JP H0223897B2
- Authority
- JP
- Japan
- Prior art keywords
- transaction
- credit
- data
- center
- file
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Lifetime
Links
- 230000001186 cumulative effect Effects 0.000 claims description 13
- 238000000034 method Methods 0.000 claims description 9
- 230000008859 change Effects 0.000 description 10
- 238000010586 diagram Methods 0.000 description 2
- 238000003825 pressing Methods 0.000 description 2
- 230000002776 aggregation Effects 0.000 description 1
- 238000004220 aggregation Methods 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
- 238000007796 conventional method Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 230000008569 process Effects 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
【発明の詳細な説明】
(a) 発明の技術分野
本発明は、現金やクレジツトカードなどによる
取引を処理する取引装置に関する。DETAILED DESCRIPTION OF THE INVENTION (a) Technical Field of the Invention The present invention relates to a transaction device that processes transactions using cash, credit cards, and the like.
(b) 従来技術と問題点
クレジツトカードによる取引の場合には、顧客
の与信チエツクを次のように行う。販売店におい
て、顧客の購入物品の数量、金額をレジスタに登
録したのち、取引装置（端末機）のカード読取に
クレジツトカード記憶内容を読取らせると、読取
られたデータ（暗証コード等）がセンタへ送られ
て、該顧客に関する与信チエツク（与信残高の有
無、口座番号のチエツク、事故関係のチエツクな
ど）が、センタで行われる。センタでは与信フア
イルを調べ、例えば与信残高が購入物品の合計金
額より小或いは与信が零の場合には、クレジツト
カードによる信用取引を不可とするNG信号の取
引装置へ返送する。このNG信号は取引装置の表
示部に表示され、これを見た販売係員（オペレー
タ）は、顧客に信用取引が下能である旨を告げ、
支払方法の変更を求める。顧客から現金支払に変
更する申出でがあつた場合、従来方式では、購入
物品データを再登録（例えば購入物品の金額・数
量の再入力、又は購入物品のバーコードリーダへ
の再読取り）するか、或は既に信用取引分として
登録されたデータを、強制的に出力（レシートに
印字出力）させ、現金決済を行つたのち、オペレ
ータが該レシート（信用取引決済であるべき筈の
レシート）に、現金決済への変更を、手作業で記
入せねばならない欠点があつた。(b) Prior art and problems In the case of credit card transactions, the customer's credit is checked as follows. At the store, after registering the quantity and price of the customer's purchased items in the register, when the card reader of the transaction device (terminal) reads the contents of the credit card memory, the read data (PIN code, etc.) is transferred to the center. A credit check (check for credit balance, account number, accident-related check, etc.) regarding the customer is carried out at the center. The center checks the credit file, and if, for example, the credit balance is less than the total amount of purchased items or the credit is zero, an NG signal is sent back to the transaction device that disallows credit transactions by credit card. This NG signal is displayed on the display of the transaction device, and the sales clerk (operator) who sees this informs the customer that margin trading is incompetent.
Request a change in payment method. When a customer requests to change to cash payment, the conventional method requires re-registering the purchased item data (for example, re-entering the amount and quantity of the purchased item, or re-reading the purchased item with a barcode reader). , or after the data that has already been registered as a credit transaction is forcibly output (printed on a receipt) and a cash payment is made, the operator writes the data on the receipt (the receipt that should have been a credit transaction payment). The drawback was that changes to cash payments had to be entered manually.
(c) 発明の目的
本発明は上記の欠点を解決するためになされた
もので、取引種別を変更する場合に、購入物品デ
ータの再登録を不要にした取引装置の提供を目的
とする。(c) Purpose of the Invention The present invention was made to solve the above-mentioned drawbacks, and an object of the present invention is to provide a transaction device that eliminates the need to re-register purchased article data when changing the transaction type.
(d) 発明の構成
本発明は、取引装置とセンタとが回線で結ば
れ、顧客の与信チエツクをセンタで行うシステム
において、
この取引装置は、カード読取器とデータ入力部
と記憶部と判別部及び取引別累計フアイルとを有
しており、センタは与信フアイルを有し、
このカード読取器は、クレジツトカードに記憶
されている情報を読み取る機器であり、
このデータ入力部は、購入物品データをこの記
憶部に登録する手段と、複数の支払い方法を指定
する手段と、この記憶部に登録された購入物品デ
ータを取引別累計フアイルに格納させる手段とを
具備し、
この記憶部は、このデータ入力部から入力され
た購入物品データを登録するフアイルであり、
この判別部は、センタからの与信チエツク結果
データを判別する機能を有し、
この取引別累計フアイルは、この購入物品デー
タを取引別に格納する累計フアイルであつて、
このクレジツトカードから読み取つた情報がセ
ンタに通知され、このセンタで与信チエツクを行
なつた結果の信号が返送され、この判別部が当該
信号に基づき信用取引を可能と判別する時は取引
別累計フアイルに記憶部のデータを類別格納する
とともにこの記憶部を消去し、信用取引を不能と
判別した時は、支払い方法の指定を変更指定し
て、この記憶部の登録済データを印字出力すると
ともに取引別累計フアイルを切り替えて類別格納
することを特徴とする取引装置である。以上のよ
うに本発明は、クレジツトカードによる信用取引
及び現金取引を取扱う装置において、信用取引の
場合に、顧客の購入物品の価格、数量などのデー
タを入力したのち、該顧客の与信チエツクを行わ
しめ、与信チエツクの結果、与信残高ゼロなどの
如く信用取引が不能なときには、データ入力部に
おいて制御キーを押下し、現金キーを押下して支
払い方法の変更を指示しても、記憶部内に登録し
てある購入物品データを消去しないように図つた
ものである。すなわち顧客から現金取引への変更
が告げられた場合、購入物品に関する情報の再入
力を不要とすることにより、操作性の向上を図つ
たものである。(d) Structure of the Invention The present invention provides a system in which a transaction device and a center are connected by a line and a customer's credit check is performed at the center. The center has a credit file, the card reader is a device that reads information stored in a credit card, and the data input section inputs purchased item data. The storage section includes means for registering in this storage section, means for specifying a plurality of payment methods, and means for storing purchased item data registered in this storage section in a transaction-by-transaction cumulative file. This is a file that registers the purchased goods data input from the input section. This discrimination section has a function of discriminating the credit check result data from the center. This transaction-by-transaction cumulative file records the purchased goods data by transaction. This is a cumulative file that is stored, and the information read from this credit card is notified to the center, and a signal resulting from the credit check is sent back to the center, and this discriminator determines whether credit transactions are possible based on the signal. When making a determination, the data in the storage section is stored by category in the cumulative total file for each transaction and this storage section is erased.When it is determined that credit transactions are impossible, the payment method specification is changed and registered in this storage section. This transaction device is characterized in that it prints out completed data and also switches and stores cumulative files for each transaction. As described above, the present invention is an apparatus that handles credit transactions and cash transactions using credit cards, and in the case of credit transactions, after inputting data such as the price and quantity of goods purchased by the customer, a credit check is performed on the customer. If the credit check results show that the credit balance is zero, and credit transactions are not possible, pressing the control key in the data input section and pressing the cash key to instruct a change of payment method will not be registered in the storage section. This is to avoid erasing purchased item data. That is, when a customer informs the customer of a change to cash transactions, it is not necessary to re-enter information regarding purchased items, thereby improving operability.
(e) 発明の実施例
以下、本発明を図面によつて説明する。図面は
本発明の一実施例を説明するブロツク図である。
図面における取引装置（POS端未機など）１は、
回線２によつてセンタ３に結ばれている。顧客が
購入する物品４を、取引装置１に持参すると、係
員はこの物品４をバーコードリーダ５に読取らせ
る。演算部６は、読取らせた識別コードＩ及び数
量データＮにより、物品別の小計金額データ入力
部K1，K2及び合計データＴを算出し、これを記
憶部であるフアイル７に格納する。フアイル７内
の合計データＴは表示制御部８へ送られ、表示部
９に表示される。係員は、該表示金額（小計）に
対する支払（決済）方法を顧客に尋ね、顧客から
クレジツトカードによる支払申出であつた場合、
顧客のクレジツトカード１０をカード読取部１１
に読取らせる。次にデータ入力部であるキーボー
ド１２の「クレジツト」キー１３及び「合計」キ
ー２０を押下すると制御信号Ａ及びS1が発せられ
る。この制御信号Ａ及びS1により、クレジツトカ
ード１０から読取られたデータＤ（識別コードな
ど）は制御部１４を経て送受信部１５へ送られ、
センタ３へ送出される。なお制御信号Ａにより切
替部１６は接点ａ側に接続される。(e) Examples of the invention The present invention will be explained below with reference to the drawings. The drawing is a block diagram illustrating an embodiment of the present invention.
The transaction device (such as a POS terminal) 1 in the drawing is
It is connected to the center 3 by line 2. When a customer brings an article 4 to be purchased to the transaction device 1, an attendant causes the barcode reader 5 to read the article 4. The calculation unit 6 calculates subtotal amount data input units K 1 , K 2 and total data T for each item based on the read identification code I and quantity data N, and stores this in a file 7 that is a storage unit. . The total data T in the file 7 is sent to the display control section 8 and displayed on the display section 9. The staff member asks the customer how to pay (settlement) for the displayed amount (subtotal), and if the customer requests payment by credit card,
The customer's credit card 10 is transferred to the card reader 11.
read it. Next, when the "Credit" key 13 and the "Total" key 20 of the keyboard 12, which is a data input section, are pressed, control signals A and S1 are generated. According to the control signals A and S1 , data D (identification code, etc.) read from the credit card 10 is sent to the transmitting/receiving section 15 via the control section 14.
It is sent to center 3. Note that the control signal A connects the switching section 16 to the contact a side.
センタ３は与信フアイル１７を参照して、受信
したデータＤに関わる顧客の与信チエツクを行
う。例えば該顧客の与信残高がゼロの場合、セン
タ３は、信用取引不可を報せるNG信号を回線２
へ送出する。 The center 3 refers to the credit file 17 and performs a credit check of the customer related to the received data D. For example, if the customer's credit balance is zero, the center 3 sends an NG signal to the line 2 indicating that credit transactions are not possible.
Send to.
取引装置１において、送受信部１５で受信され
たNG信号は、レジスタ１８に格納されるので、
このNG信号は表示制御部８へ送られて、表示部
９に「取引不能」が表示される。係員が顧客に
「取引不能」を報せると共に決済方法の変更を求
め、顧客から「現金支払」への変更が申込まれた
場合、係員が制御キーである「クリア」キー２１
を押下する。これによりクリア信号Ｃが発せられ
る。判別部２２がクリア信号Ｃを受けると、レジ
スタ１８内のNG信号の有無をチエツクし、NG
信号有りの場合には出力信号Ｒを出力する。この
出力信号Ｒは表示制御部８へ送られるので、表示
部９には「変更」を許容する表示が出力される。
次に係員がキーボード１２の「現金」キー１９を
押下すると、制御信号Ｂが発せられ、これにより
出力部２３が起動されてフアイル７内のデータ
Ｈ，Ｋ，Ｔがレシート２４に出力される。また制
御信号Ｂにより、切替部１６は接点ｂ側に接続さ
れるので、フアイル７の合計データＴは現金取引
集計フアイル２５に格納される。逆に、切替部１
６が接点ａ側のときには、小計データＴは信用取
引累計フアイル２６に格納される。なお「クリ
ア」キー２１が押下されたとき、レジスタ１８内
にNG信号がセツトされていない場合には、判別
部２２は、クリア信号Ｃによりフアイル７内のデ
ータをクリアする。 In the transaction device 1, the NG signal received by the transmitter/receiver 15 is stored in the register 18, so
This NG signal is sent to the display control section 8, and the display section 9 displays "Transaction impossible". When the clerk informs the customer that the transaction is impossible and requests a change in payment method, and the customer requests a change to "cash payment," the clerk presses the "clear" key 21, which is a control key.
Press . As a result, a clear signal C is generated. When the discriminator 22 receives the clear signal C, it checks the presence or absence of an NG signal in the register 18, and
If there is a signal, output signal R is output. Since this output signal R is sent to the display control section 8, a display allowing "change" is outputted to the display section 9.
Next, when the clerk presses the "cash" key 19 on the keyboard 12, a control signal B is generated, which activates the output section 23 and outputs the data H, K, and T in the file 7 to the receipt 24. Further, since the switching unit 16 is connected to the contact b side by the control signal B, the total data T of the file 7 is stored in the cash transaction summary file 25. On the contrary, switching section 1
6 is on the contact a side, the subtotal data T is stored in the credit transaction cumulative file 26. Note that when the "clear" key 21 is pressed, if the NG signal is not set in the register 18, the determining section 22 clears the data in the file 7 using the clear signal C.
(f) 発明の効果
以上のように本発明は、取引決済時の取引種別
の変更と、これに伴う集計の変更を容易とし、ま
た変更に伴う係員の手作業を不要とする利点を有
する。(f) Effects of the Invention As described above, the present invention has the advantage of making it easy to change the transaction type at the time of transaction settlement and to change the aggregation associated therewith, and to eliminate the need for manual work by the staff involved in the change.
図面は本発明の一実施例を説明するブロツク図
であり、図中に用いた符号は次の通りである。
１は取引装置、２は回線、３はセンタ、４は購
入する物品、５はバーコードリーダ、６は演算
部、７はフアイル、８は表示制御部、９は表示
部、１０はクレジツトカード、１１は読取部、１
２はキーボード、１３は「クレジツト」キー、１
４は制御部、１５は送受信部、１６は切替部、１
７は与信フアイル、１８はレジスタ、１９は「現
金」キー、２０は「合計」キー、２１は「クリ
ア」キー、２２は判別部、２３は出力部、２４は
レシート、２５は現金取引累計フアイル、２６は
信用取引累計フアイル、Ａ，Ｂ，S1は制御信号、
Ｃはクリア信号、Ｄは識別コード等のデータ、
Ｈ，H1，H2は物品名（データ）、Ｉは識別コー
ド、Ｋ，K1，K2は物品別の小計金額（データ）、
Ｎは数量データ、NGは信用取引不可を報せる信
号、Ｒは出力信号、Ｔは合計データ、ａ，ｂは接
点を示す。
The drawing is a block diagram illustrating an embodiment of the present invention, and the symbols used in the drawing are as follows. 1 is a transaction device, 2 is a line, 3 is a center, 4 is an item to be purchased, 5 is a barcode reader, 6 is a calculation unit, 7 is a file, 8 is a display control unit, 9 is a display unit, 10 is a credit card, 11 is a reading section, 1
2 is the keyboard, 13 is the "credit" key, 1
4 is a control unit, 15 is a transmitting/receiving unit, 16 is a switching unit, 1
7 is a credit file, 18 is a register, 19 is a "cash" key, 20 is a "total" key, 21 is a "clear" key, 22 is a discrimination section, 23 is an output section, 24 is a receipt, and 25 is a cash transaction cumulative file. , 26 is a credit transaction cumulative file, A, B, S 1 are control signals,
C is clear signal, D is data such as identification code,
H, H 1 and H 2 are the product names (data), I is the identification code, K, K 1 and K 2 are the subtotal amount for each product (data),
N indicates quantity data, NG indicates a signal indicating that credit transactions are not possible, R indicates an output signal, T indicates total data, and a and b indicate contact points.
Claims (1)
与信チエツクをセンタで行うシステムにおいて、 前記取引装置は、カード読取器とデータ入力部
と記憶部と判別部及び取引別累計フアイルとを有
しており、センタは与信フアイルを有し、 前記カード読取器は、クレジツトカードに記憶
されている情報を読み取る機器であり、 前記データ入力部は、購入物品データを前記憶
部に登録する手段と、複数の支払い方法を指定す
る手段と、前記記憶部に登録された購入物品デー
タを前記取引別累計フアイルに格納させる手段と
を具備し、 前記記憶部は、前記データ入力部から入力され
た前記購入物品データを登録するフアイルであ
り、 前記判別部は、前記センタからの与信チエツク
結果データを判別する機能を有し、 前記取引別累計フアイルは、前記購入物品デー
タを取引別に格納する累計フアイルであつて、 前記クレジツトカードから読み取つた情報が前
記センタに通知され、前記センタで与信チエツク
を行なつた結果の信号が返送され、前記判別部が
当該信号に基づき信用取引を可能と判別する時は
前記取引別累計フアイルに記憶部のデータを類別
格納するとともに前記記憶部を消去し、信用取引
を不能と判別した時は、前記支払い方法の指定を
変更指定して、前記記憶部の登録済データを印字
出力するとともに前記取引別累計フアイルを切り
替えて類別格納することを特徴とする取引装置。[Scope of Claims] 1. In a system in which a transaction device and a center are connected by a line and a customer's credit check is performed at the center, the transaction device includes a card reader, a data input section, a storage section, a discrimination section, and a transaction-specific unit. the center has a credit file, the card reader is a device for reading information stored on a credit card, and the data input section inputs purchased item data into a pre-storage section. means for registering a plurality of payment methods, means for specifying a plurality of payment methods, and means for storing purchased item data registered in the storage unit in the transaction-by-transaction cumulative file, and the storage unit includes a means for registering the data in the data input unit. The discrimination unit has a function of discriminating credit check result data from the center, and the transaction-by-transaction cumulative file registers the purchased article data by transaction. A cumulative file to be stored, in which the information read from the credit card is notified to the center, a signal as a result of a credit check is sent back at the center, and the discriminating section enables credit transactions based on the signal. When it is determined that the credit transaction is impossible, the data in the storage section is stored by category in the transaction-by-transaction cumulative file and the storage section is erased.When it is determined that credit transactions are impossible, the specification of the payment method is changed and the data is stored in the storage section. What is claimed is: 1. A transaction device that prints out the registered data of a department, and also switches and stores the transaction-by-transaction cumulative total file.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP59051924A JPS60195668A (en) | 1984-03-16 | 1984-03-16 | Transaction device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP59051924A JPS60195668A (en) | 1984-03-16 | 1984-03-16 | Transaction device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| JPS60195668A JPS60195668A (en) | 1985-10-04 |
| JPH0223897B2 true JPH0223897B2 (en) | 1990-05-25 |
Family
ID=12900419
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP59051924A Granted JPS60195668A (en) | 1984-03-16 | 1984-03-16 | Transaction device |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPS60195668A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH02132500U (en) * | 1989-04-07 | 1990-11-02 |
-
1984
- 1984-03-16 JP JP59051924A patent/JPS60195668A/en active Granted
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH02132500U (en) * | 1989-04-07 | 1990-11-02 |
Also Published As
| Publication number | Publication date |
|---|---|
| JPS60195668A (en) | 1985-10-04 |
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Legal Events
| Date | Code | Title | Description |
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| EXPY | Cancellation because of completion of term |