JPH064563A - Data processing system in bank pos system - Google Patents

Abstract

PURPOSE:To enable cancellation processing of erroneous input generated at the time when a goods price has been registered from a POS terminal or of the goods, when it was returned, to be performed by input from the POS terminal, whereby, to dispense with manual bill processing in a processing system in which the payment of purchased goods at a retail shop is performed by a cash card issued from a bank. CONSTITUTION:A function to set a cancellation mode when the POS terminal 3 at a retail shop side is set at a bank POS transaction mode is provided, and also, data is outputted by attaching an identification code representing the fact that the data inputted from the POS terminal 3 is the one with respect to cancellation. A host computer 4 discriminates whether or not output data from the POS terminal 3 is ordinary sales data or cancellation data from the identification code, and stores the cancellation data in a cancellation data storage means 11 when it shows the cancellation data. The content of the cancellation data storage means 11 is read out, for example. when the account is closed on the day, and transfer request data based on the cancellation data is issued, and it is notified to the bank 1.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention is applicable not only to retail stores (stores that sell goods, but also to laundry stores, beauty salons, travel agencies,
It also includes hotels and shops that provide services such as transportation. The same applies hereinafter) to a data processing method in a bank POS system that enables payment with a cash card issued by a bank as a payment method for a customer's purchased product.

[0002]

2. Description of the Related Art In recent years, at a retail store, a bank POS (Point Of Sales) that enables a customer to purchase a customer's cash card by using a cash card issued by the customer.
Systems are becoming popular.

This system is installed at a retail store (hereinafter referred to as a member store) that is a member of the bank POS system when the customer pays for the product purchased by the customer.
On the OS terminal, read the bank-issued cash card owned by the customer, send the card data of the cash card and the sales data of the entered products to the bank computer, and then from the corresponding customer account. The purchase amount is immediately deducted, and specifically, the system is as shown in FIG.

That is, when the customer pays for the purchased product with the cash card 2 issued by the bank 1,
The clerk sets the POS terminal 3 in the bank POS transaction mode, causes the customer's cash card 2 to be read by the POS terminal 3, and inputs data such as the price of the purchased product. This cash card can be read by the M provided in the POS terminal 3.
The data is read by a CR (Magnetic Card Reader) (this MCR is not shown here), and the read data passes through the host computer 4 provided at the headquarters and further through the switching center 5 to the host computer 6 on the bank 1 side. Sent to. By the way, the above-mentioned head office is like a shop union composed of several shops affiliated with each other. In this case, the host computer 4 is located in the union head office and performs the bank POS proxy business. The switching center 5 is for connecting a plurality of distribution-side host computers 4 and a bank-side host computer 6.

On the other hand, product sales data such as the price of a purchased product is also sent to the host computer 6 on the bank 1 side via the host computer 4 and the switching center 5, and the host computer 6 converts the cash card data into the cash card data. Based on the balance inquiry, the amount of the purchased product is immediately deducted from the customer account, transferred to the corresponding member store account, and then the approval data is transmitted.
As a result, the host computer 4 of the union headquarters gives a receipt issuing instruction to the POS terminal 3 of the relevant member store,
A receipt is issued from the terminal 3, and the clerk gives the receipt to the customer.

[0006] Normally, sales registration is performed according to the above-mentioned processing procedure. However, at the time of registration, a clerk makes a mistake (mistake) in the product price, or after purchasing the product, the customer requests the product to be returned. The processing in the case of being performed, so-called cancellation processing, is not performed by the POS terminal 3, but is performed by a clerk using a handwritten slip.

This is because the current bank POS system has a mechanism in which the host computer 6 on the bank side does not accept the above-mentioned data for canceling an erroneous hit or canceling due to a return. Therefore, at present, when such cancellation data occurs, it is an agreement between the bank side and the member store that the cancellation data is processed by a handwritten slip. For example, if you mistakenly enter a product of 1000 yen as 1500 yen, the bank will immediately deduct 1500 yen, but you cannot cancel it from the POS terminal 3, so the clerk will pay 500 yen. The transfer request slip for refunding the difference in minutes to the customer account is created by handwriting and sent by the bank side, and the bank side transfers 500 yen from the member store account to the corresponding customer account based on this slip. That operation is required. In addition, a method of refunding 500 yen in cash to the customer on the spot in response to such an erroneous hit may be considered.
It is necessary to create a handwritten slip that shows that you have returned 00 yen.

[0008]

However, returned goods and erroneous hits in the amount of money can frequently occur in stores, and it is very inconvenient to operate with a handwritten slip each time, and especially When this type of system is adopted in a superstore or the like, there has been a problem that handwriting processing of slips becomes a major obstacle in terms of customer handling at a crowded cashier counter.

According to the present invention, cancellation processing due to erroneous hits or returned goods can be performed at a POS terminal at a store as in the case of normal sales registration processing, which can contribute to efficiency improvement of work and improvement of reliability of the entire system. The purpose is to realize a data processing method in a bank POS system.

[0010]

FIG. 1 is a block diagram for explaining the principle of the present invention. The same parts as those in FIG. 4 described above are designated by the same reference numerals.

The POS terminal 3 of the present invention has a function of inputting sales data (commodity department code, unit price, etc.) of a product purchased by a customer, and a bank when the customer pays with a bank card. It has a POS mode setting section and a cancellation mode setting section for canceling the amount of money already deducted at the time of erroneous hit or return. Then, when the cancel mode is set, the data output from the POS terminal 3 is attached with an identification code indicating that the data is cancellation data, and the data transmitted by the host computer 4 is the sales data or the cancellation data. Determine whether. If it is the cancellation data, the cancellation data is not transmitted to the bank 1 side and is stored in the cancellation data storage means 11 connected to the host computer 4.

Then, for example, at the time of closing processing at the end of business on that day, the contents of the cancellation data storage means 11 are read out, a cancellation slip is automatically issued, and the cancellation slip is sent to the relevant bank.

[0013]

By performing such processing, the following processing is performed in the case of performing cancellation processing such as erroneous hit by a store clerk at the time of product registration or return of a purchased product.

First, the POS terminal 3 is set to the bank POS transaction mode and also to the cancellation mode, the cash card 2 is read, and cancellation data (product code, amount of money, etc.) is input.

As a result, the host computer 4 has a P
Card data and cancellation data are input from the OS terminal 3, and the cancellation data is provided with an identification code that distinguishes it from normal sales data.
Then, based on the identification code, it is determined that the transmitted data is cancellation data, and the cancellation data is stored in the cancellation data storage means 11.

Then, during the closing process of the day, the host computer 4 reads the contents of the cancellation data storage means 11 and prints the cancellation contents such as a bank code, a member store code, a customer account number, a product code, and a cancellation amount. Automatically issue cancellation slips. By sending this cancellation slip to the corresponding bank (data transfer may be performed), the bank side deducts the cancellation amount from the account of the corresponding member store and then transfers it to the corresponding customer account.

Therefore, the cancellation processing for dealing with erroneous hits and returned goods at the member store can be performed by the POS terminal 3 as in the case of normal sales processing, and it is not necessary to create a handwritten slip.

[0018]

EXAMPLE An example of the present invention will be described below. FIG. 2 is a system configuration diagram for explaining the embodiment, and FIGS.
The same reference numerals are given to the same portions as.

In FIG. 2, as described above, the POS terminal 3 has a function of setting the cancellation mode when the POS terminal is in the bank POS transaction mode. Then, when an input related to cancellation is made in a state where the POS terminal 3 is in the cancellation mode, the cancellation data output from the POS terminal 3 is output with an identification code indicating the cancellation data.

For example, the identification code of sales data is "00".
Then, "01" is set as an identification code indicating that the data is cancellation data, and "01" is added to the cancellation data and output.

The host computer 4 receives the data sent from the POS terminal 3, determines from the identification code whether the data is sales data or cancellation data, and if it is sales data, The sales data is transmitted to the host computer 6 on the bank 1 side through the switching center 5, and if the sales data is cancellation data, the cancellation data is not transmitted to the bank 1 side and the cancellation data storage means (this embodiment is used). Then, use it as a cancellation data storage file.) 11
To store.

In the system as described above, the processing procedure in the case where the customer pays for the purchased product using the cash card 2 will be described with reference to FIG. The customer gives the cash card 2 issued by the bank 1 to the clerk to pay for the product to be purchased (S1). The clerk receives the cash card 2 from the customer, and the card reading unit (not shown) of the POS terminal 3 uses the cash card 2
And read sales data such as the price of the product (S2). As a result, the data of these cash cards and the sales data are input (S3) to the host computer installed in the union headquarters, and then the host computer 6 of the bank 1 via the switching center 5 (not shown in FIG. 3). Sent to.

When the bank 1 side receives the card data and sales data from the member store side, after checking the contents of each of these data (bank code, member store code, customer account number, product code, sales amount, etc.) If these data are valid, the product price is deducted from the customer account, transferred to the member store account, and then the approval data is output (S4). This approval data is input to the host computer 4 of the union headquarters via the switching center 5.
As a result, the host computer 4 of the union headquarters gives a receipt issuing instruction to the POS terminal 3 of the relevant member store (S
5) The sales receipt is issued from the POS terminal 3 (S6). Then, the customer receives the merchandise and the receipt (S7), whereby the series of processing procedures is completed.

Further, the bank 1 sends a payment notice to the member stores. Specifically, data indicating that the account transfer from the customer account to the member store account is completed is transmitted as input notification data (S8), and the deposit notification data is received by the host computer 4 of the union headquarters (S9). The host computer 4 notifies the relevant member store.

Normally, the processing at the time of sales registration is performed according to the above-mentioned procedure, but the cancellation processing procedure when the salesclerk makes a mistake in the sales amount and the cancellation processing procedure when the customer returns the purchased product are shown in the figure. 3 (b).

For example, when a clerk inputs a product with a price of 1000 yen as 1500 yen, 1500 yen is deducted from the customer account as described above, and the 1500 yen is transferred to the member store account, and then the POS terminal. Although the sales receipt is issued from 3, the POS terminal 3 is first set to the cancellation mode and cancellation data is input to cancel the erroneous hit of the amount (S11). This cancellation data is identified by the host computer 4 of the union headquarters as the cancellation data by the identification code on the data. As a result, the host computer 4 sends the cancellation data to the bank 1
It is stored in the cancellation data storage file 11 without being sent to the side (S12).

Further, the host computer 4 issues the cancellation data to the POS terminal 3 of the relevant member store,
As a result, the POS terminal 3 issues a cancellation receipt in which predetermined cancellation details are described (S13). By receiving this cancellation receipt (S14), the customer knows that the withdrawal due to an erroneous hit has been correctly corrected.

By the way, the cancellation data stored in the cancellation data file 11 is read by the host computer 4 at the closing processing of the member store on that day, and the contents of the cancellation data, that is, the bank code, the member store code, Transfer request data is created from the member store account to the customer account based on the customer account number, cancellation amount, etc. (S15). Specifically, in this embodiment, when the customer purchases a product, the customer's account is deducted by 500 yen more than the actual price. Therefore, the transfer request data is required to transfer 500 yen from the corresponding member store account to the customer account. The transfer request data is created and transferred to the bank 1 side.

As a result, the bank 1 which has received the transfer request deducts 500 yen from the corresponding member store account and transfers the 500 yen to the corresponding customer account (S16).

Also in the case of a return, as in the case of the erroneous hitting process, the member store side puts the POS terminal 3 in the cancellation mode and inputs the product data such as the product price, so that the cancellation data is output from the POS terminal 3. , Is stored in the cancellation data storage file 11. And at the closing process of the day,
The cancellation data stored in the cancellation data storage file 11 is read, transfer request data based on the cancellation data is created, and transferred to the bank 1 side. As a result, the bank 1 side deducts the amount of the returned merchandise from the member store account and transfers it to the customer account.

As described above, when a customer pays for a product to be purchased with a cash card issued by a bank, the cancellation process when the product price is erroneously hit by a clerk or the purchased product is returned is the normal sales. POS as well as processing
It can be done from the terminal.

In the above embodiment, an example in which the cancellation data is read from the cancellation data storage file 11 and the transfer request data based on the cancellation data is transferred to the bank 1 has been shown, but the invention is not limited to this, and for example, cancellation can be performed. The transfer request slip based on the data may be printed out and the transfer request slip may be sent to the bank 1 side.

[0033]

According to the present invention, in a bank POS system that enables payment by a cash card issued by a bank as a settlement method for a customer in the retail business, erroneous product price hits at the member store side and return of purchased products. Since the cancellation process at the time of sale can be performed by the same POS terminal as the sales process, there is no need to issue a handwritten slip, the work can be simplified, and the POS terminal is issued to the customer instead of handwriting. Since it is possible to issue a cancellation receipt of, it is possible to give a sense of reliability, and it is possible to improve the reliability of the entire system because a handwritten slip is not generated.

[Brief description of drawings]

FIG. 1 is a block diagram illustrating the principle of the present invention.

FIG. 2 is a system configuration diagram illustrating an embodiment of the present invention.

FIG. 3 is a diagram illustrating a processing procedure of the embodiment.

FIG. 4 is a configuration diagram illustrating a conventional bank POS system.

[Explanation of symbols]

 3 POS Terminal 4 Host Computer 11 Cancellation Data Storage Means

Claims (1)

[Claims] 1. A cash card (2) issued by a bank (1) is used to make payment at the time of purchasing a product at a member store, and the cash card is used at a POS terminal (3) installed at the member store. The data of (2) is read and the sales data of the product is input, and each of these data is transmitted to the bank (1) side via the host computer (4). Based on the data that came
In the bank POS system in which the amount corresponding to the product price is immediately withdrawn from the corresponding customer account and transferred to the corresponding member store account, when the POS terminal (3) on the member store side is set to the bank POS transaction mode, the cancel mode is set. When the cancel mode is set, the data inputted from the POS terminal (3) is added with an identification code indicating that the data is related to cancellation, and the outputted data is outputted. It is discriminated whether (4) is sales data or cancellation data by the above identification code, and if it is cancellation data, the cancellation data is stored in the cancellation data storage means (11) and a predetermined data is stored. At the timing, the stored cancellation data is read, and the transfer request data based on the cancellation data is issued to the bank (1) side. A data processing method in a bank POS system characterized by notifying.