JPH08315030A - Automatic adjustment method and its device - Google Patents

Abstract

PURPOSE: To provide automatic adjustment method and device capable of easily and accurately adjust prices collectively paid by a representative. CONSTITUTION: An automatic adjusting device 1 is provided with an optical reader part 2 for optically reading out the contents of a receipt 11 in which information related to the payment of other persons is entered, a recognition part 3 for recognizing the contents of the read receipt 11, a calculation part 4 for calculating the payment of the other persons based on the recognized result, and a communication part 5 for informing the processing of cash corresponding to the calculated payment of the other persons through the on-line N of a banking agent. Thus information related to the payment to other persons is entered in the receipt 11 and read out, the payment to the other persons is calculated and the processing of cash corresponding to the payment to other persons is informed to a representative through the on-line N.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic settlement method and an automatic settlement apparatus in which a representative collectively pays for the price of a product, and then the amount of cash paid by another person is handled online through a financial institution. Regarding

[0002]

2. Description of the Related Art When a plurality of people use a restaurant or the like to order various foods and pay for a meal,
Since it takes time and effort to pay for each person's ordered food individually, it is often done that the representative pays everyone's amount in a lump sum and pays each person's payment later. There is.

When the payment is made by such a payment, the representative pays for the food ordered by each person by referring to the receipt received from the restaurant or the like. Also,
When the price is divided by the number of people and the payment is made evenly, the total price written on the receipt is divided by the number of people using a desk calculator, and the calculated amount is paid to each representative.

[0004]

However, when paying each person's payment to the representative, the representative may not have change or the calculation may be difficult,
This can cause delays in payment and forgetfulness.

[0005]

SUMMARY OF THE INVENTION The present invention is an automatic settlement method and an automatic settlement apparatus, which have been made to solve such problems. That is, in the automatic settlement method of the present invention, when a plurality of people pay the price of a product, the representative collectively pays this price, and then the other person's payment is paid to the representative via the online of the financial institution. It is a payment method.First, prepare a form sheet on which the price of the product is filled, enter information on payment of the other person in the price of the item on the form sheet, and then optically read the content of the form sheet , Calculates the payment of the payment of the other person based on the read content, and then handles the cash payment of the payment of the other person to the representative via the online of the financial institution.

Further, the automatic settlement apparatus of the present invention includes an optical reading unit for optically reading the contents of a form sheet on which information about the price of goods and the payment of another person in the price is written, and an optical reading unit. A recognition means for recognizing the contents of the form sheet read by the calculation means, a calculation means for calculating the payment amount of another person based on the recognition result by the recognition means, and a handling of cash for the payment amount of the other person calculated by the calculation means. And a communication means that is performed online via a financial institution.

[0007]

In the automatic settlement method of the present invention, after the representative collectively pays for the product, the other person pays the payment to the representative. First, the form sheet in which the price of the product is entered. And fill out this form with information about the payment of others. After that, by optically reading the filled-in contents of this form sheet, the paid amount of the other person for the price of the product is automatically calculated from the written information about the paid amount of the other person. Then, by paying the calculated amount of payment of the other person through the online of the financial institution, it becomes possible to immediately settle the payment to the representative without paying the change.

Further, in the automatic settlement apparatus of the present invention, the optical reading means optically reads the contents of the form sheet, and the recognition means recognizes the information about the payment of the other person in the price of the product which is the entry content of the form sheet. are doing. The calculation means calculates the payment amount of the other person based on the recognition result by the recognition means, that is, the information about the payment of the other person in the price of the product entered on the form sheet, and the calculated payment of the other person by the communication means. The minutes are handled online through financial institutions.

[0009]

Embodiments of the automatic settlement method and the automatic settlement apparatus of the present invention will be described below with reference to the drawings. First,
Before explaining the automatic settlement method of the present invention, the automatic settlement device of the present invention will be described. FIG. 1 is a diagram for explaining an automatic settlement device according to the present invention, in which (a) is a system configuration diagram,
(B) is a block diagram of an automatic settlement apparatus.

That is, in the automatic settlement apparatus 1 of the present invention, when a plurality of persons pay the price of a product, the representative pays the bills in a lump sum, and thereafter, the cash handling for the payments of other persons is done online by the financial institution. This is a device that is operated via N. Therefore, as shown in FIG. 1A, the automatic settlement apparatus 1 is connected to the financial institution via the online N, and from here, the account of the representative of the financial institution and the A, B Cash handling for the account.

As shown in FIG. 1B, the automatic settlement device 1
Is a receipt 11 that is also used mainly as a form sheet.
Optical reading unit 2 for optically reading the written contents of
The recognition unit 3 for recognizing the entered content of the receipt 11 that has been read, the calculation unit 4 for calculating the payment of another person to be paid to the representative based on the recognition result of the recognition unit 3, and the calculation unit 4 The communication unit 5 for performing the calculated cash handling for the payment of the other person via the online N of the financial institution.

The automatic settlement apparatus 1 also has an input section 6 for inputting a personal identification number, an account number, etc., an output section 7 for outputting a predetermined instruction to the payer from the automatic settlement apparatus 1, and handling cash. The cash handling unit 8 and the CPU 9 for performing overall control of each unit are also provided.

Next, the automatic settlement method of the present invention using the automatic settlement device 1 will be described in order with reference to FIGS.
Reference numerals not shown in these figures refer to FIG. Further, in the following description, the case where the representative collectively makes payments at the restaurant and the other persons A and B pay the representatives their own payments will be described as an example.

First, as shown in FIG. 2A, the representative pays the price 10 to the store. At this time, the representative collectively pays the payments of all (the representative, A and B) to the store side. Next, as shown in FIG. 2B, the representative receives a receipt 11 which is a receipt for the price 10 from the store side. For example, the receipt 11 is of a type that also serves as a form sheet described later.

After receiving the receipt 11, FIG.
As shown in (c), information regarding payment is entered in the entry field K of the form sheet which is also used as the receipt 11.
In addition to the restaurant name, date, etc., this receipt 11
The order contents (products), the amount of money corresponding thereto, and the entry column K are described. Then, in each of the entry boxes K corresponding to the items ordered by each person, each person's name and the like (as long as they can be identified) are entered.

Next, as shown in FIG. 3 (a), the representative 11 has a receipt 11 in which predetermined items are entered in the automatic settlement apparatus 1.
Insert. The automatic settlement apparatus 1 optically reads the content entered on the receipt 11 with the optical reading unit 2 and recognizes the content with the recognition unit 3. Then, based on the recognition result, the calculation unit 4 calculates the payment for the other item. That is, when the receipt 11 is inserted, the automatic settlement device 1
Inside, the contents of the receipt 11 are read, and first, the amounts of the products in which the name of Mr. A is entered in the entry field K are summed to calculate the amount of payment of Mr. A. Subsequently, the payment amount of Mr. B is calculated by summing up the amounts of the products in which the name of Mr. B is entered in the entry field K.

Next, as shown in FIG. 3 (b), the automatic settlement apparatus 1 outputs a voice or display, for example, "representative" at the output section 7 to instruct the representative to input predetermined items. give. Hereinafter, the operation procedure will be described centering on a display example of a screen which is one of the output units 7 of the automatic settlement device 1. First,
As shown in the screen display G1 of FIG. 3C, "Please insert the card." Is displayed. According to this, the representative inserts the card of the financial institution or the credit card into the automatic settlement device 1 at a predetermined position.

Then, as shown in the screen display G2, the instruction of "Please input the password" is given, and the representative,
A personal identification number corresponding to the inserted card is input using the input unit 6 of the automatic settlement device 1 (may be integrated with the screen which is one of the output units 7). The identification number attached to the card and the personal identification number entered by the representative are transmitted from the communication unit 5 of the automatic settlement device 1 to the financial institution via the online N, and here it is checked whether the card is valid or not. Is done. If it is valid, a message such as "Please specify transfer or cash receipt." Is displayed on the next screen display G3. This is to allow the representative to specify the handling of cash paid by another person to the representative.

When the representative designates the transfer here, as shown in the screen display G4, the message "Please specify the transfer destination." Is displayed, and accordingly the representative is the transfer destination from the input section 6. Enter the store name and account number of the financial institution. At this stage, the input operation of the representative is completed.

Next, as shown in FIG. 4 (a), the automatic settlement apparatus 1 outputs a voice or display, for example, "A", at the output unit 7, and the other person, Mr. A, is given a predetermined message. Give instructions to enter items. First, as shown in the screen display G5 of FIG. 4B, "Please insert the card." Is displayed. According to this, Mr. A inserts a card of a financial institution or a credit card for handling cash to be paid to the representative into the automatic settlement device 1.

Next, as shown on the screen display G6, the instruction "Please input the password" is given, and Mr. A
The personal identification number is input using the input unit 6 (which may be integrated with the screen that is one of the output units 7) of the automatic settlement device 1. The identification number attached to the card and the personal identification number entered by Mr. A are transmitted from the communication unit 5 of the automatic settlement device 1 to the financial institution via the online N, and here it is checked whether the card is valid or not. Is done.

If this check is valid, the next screen display G7 displays "Please check the product name and price.", As well as the product ordered by Mr. A and the price. This amount is based on the contents entered in the receipt 11 at the stage shown in FIG.
It is calculated by the calculation unit 4 of. When Mr. A confirms this display, he presses a button such as "confirm". With this operation, the displayed amount (the amount that Mr. A should pay to the representative) will be transferred from Mr. A's account to the representative's account.

After that, in order to pay Mr. B, the process returns to the input shown in FIG. 4 (a), and here, for example, the voice or display "B" is output at the output unit 7. And
Mr. B performs the same operation as above along the screen displays G5 to G7 shown in FIG. 4 (b). As a result, the pre-calculated payment amount of Mr. B will be transferred from Mr. B's account to the representative's account via online N.

By such a series of operations, even if Mr. A and Mr. B do not hand over cash to the representative, or even if the representative does not have any change, it is possible to make the settlement immediately.

Further, there is a method as shown in FIG. 5 other than the transfer of cash from the accounts of Mr. A and Mr. B to the account of the representative. In FIG. 5A, for example, another person, Mr. A, deposits his or her own cash into the cash handling unit 8 of the automatic settlement device 1 and enters the account of the representative of the financial institution via the online N. It is a process of performing a transfer.

In this case, the screen display G7 shown in FIG.
After confirming the amount shown in, although not shown, another person, A
You can ask him to transfer money from your account or deposit cash, and select cash deposit here.

Further, in FIG. 5 (b), another person, Mr. A, pays the price 10 'to be paid by Mr. A by the automatic settlement device 1.
It is a process of withdrawing from and handing it directly to the representative. In this case, "Transfer" is displayed on the screen display G3 shown in FIG.
"Cash receipt" may be selected by selecting the "Cash receipt" button. As a result, Mr. A can withdraw money 10 'that he should pay from the account of Mr. A of the financial institution via online N.
Try to hand 0 'directly to the representative.

In the above embodiment, the representative pays the price 10 in a lump sum, and then the price 1 for the item ordered by each person.
Although an example is shown in which 0'is settled to the representative, other payment methods can be similarly performed using the automatic settlement device 1.

For example, there are cases where the representative pays the price paid in a lump sum evenly by the number of people. In this case, FIG.
In the receipt 11 shown in (c), the uniform entry fields K '
Enter the number of people to divide evenly. Automatic settlement device 1
The recognizing unit 3 recognizes the number entered in the equal entry field K ′, and calculates the total amount divided by the entered number (number of persons). Then, based on the result of this calculation, the charges 10 'to be paid by the other persons A and B are paid to the representative by the procedure described above.

In addition to the even division, even when a predetermined weight (for example, representative: A: B = 2: 1: 1) is attached and paid, a predetermined entry field (not shown) is provided on the receipt 11. )
May be provided, and the calculation unit 4 of the automatic settlement device 1 may calculate the payment for another person in accordance with the entry items.

The automatic settlement device 1 described in the present embodiment is used.
May be separate from or integrated with the store register. If they are integrated, when paying the price to the store side, insert the form paper with the information about each person's payment into the register and deposit or transfer the payment of each person at the payment stage You can do it. This makes it possible to unmanned the register, but in this case, considering the safety, it is possible to install the register in a private room such as a telephone box so that it cannot be exited until payment is completed.

In the present embodiment, payment at a restaurant has been described as an example, but the present invention is not limited to this.
The same applies to the case where the representative collectively purchases tickets for other products, such as trains, and then pays each person's payment. When buying a ticket for a train, it can be used more conveniently if the automatic settlement device 1 of this embodiment is provided adjacent to the ticket vending machine or integrally with the vending machine. become.

[0033]

As described above, the automatic settlement method and the automatic settlement apparatus of the present invention have the following effects. That is, according to the present invention, when the representative collectively pays the payment, the amount of payment of each person is automatically calculated, and the amount of payment is sent to the representative of the amount of payment via online of the financial institution. Since it is possible to deal with cash, it is possible to eliminate the trouble of calculation of the payment and the calculation error, and it is possible to make the settlement immediately even if the representative does not have change. As a result, accurate settlement can be easily performed, and it is possible to prevent delay or forgetting of settlement.

[Brief description of drawings]

FIG. 1 is a diagram illustrating an automatic settlement device of the present invention, (a)
Is a system configuration diagram, and (b) is a block diagram.

FIG. 2 is a diagram (No. 1) for sequentially explaining the automatic settlement method of the present invention.

FIG. 3 is a diagram (No. 2) for sequentially explaining the automatic settlement method of the present invention.

FIG. 4 is a diagram (No. 3) for sequentially explaining the automatic settlement method of the present invention.

FIG. 5 is a diagram showing an example of cash handling, in which (a) is a transfer process and (b) is a cash withdrawal process.

[Explanation of symbols]

 1 Automatic settlement device 2 Optical reading unit 3 Recognition unit 4 Calculation unit 5 Communication unit 6 Input unit 7 Output unit 8 Cash handling unit 9 CPU 11 Receipt N Online

Claims (5)

[Claims] 1. A method in which, when a plurality of people pay the price of a product, the representative collectively pays the price, and then the other person's payment is paid to the representative via the online of the financial institution. First of all, prepare the form paper in which the price of the product is entered,
Information on the payment of the other person in the price of the product is written on the form sheet, and then the entry content of the form sheet is optically read,
An automatic settlement characterized in that the payment amount of the other person is calculated based on the read content, and then the cash amount of the payment amount of the other person to the representative is handled through online of a financial institution. Method. 2. The payment of the other person to the representative is transferred from the other person's account in a financial institution to the representative's account via the online. Automatic payment method. 3. The automatic settlement method according to claim 1, wherein cash for the payment of the other person to the representative is transferred to an account of the representative at a financial institution via the online. 4. The automatic settlement method according to claim 1, wherein cash for the payment of the other person to the representative is withdrawn from the account of the other person at a financial institution via the online. . 5. When paying the price of a product by a plurality of people, after the representative collectively pays the price, the cash handling for the payment of the other person to the representative is handled through the online of the financial institution. An automatic settlement device for performing, the optical reading means for optically reading the contents of the form paper in which the price of the product and the information about the payment of the other person in the price of the product are written, Recognizing means for recognizing the contents of the form sheet read by the reading means, calculating means for calculating the payment amount of the other person based on the recognition result by the recognizing means, and payment of the other person calculated by the calculating means An automatic settlement apparatus, comprising: a communication means for handling minutes of cash via a financial institution online.