JPH09330456A - Credit payment processor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To rapidly and also accurately process by forming credit payment processing guidance for each language which corresponds to language information and which enables selection and also switching display, reading the credit payment processing guidance from a credit card and enabling the language which corresponds to the language information to display it. SOLUTION: A guidance storing means for each language 13WG makes language information and credit payment processing guidance for each language correspond to each other and stores them. Language information extracting means 11 and 12 extract the language information by utilizing card stored data which is read from a credit card. Guidance selecting means for each language 11 and 12 select the credit payment processing guidance for each language that corresponds to the language information which is extracted by searching the storing means 13WG. Then, guidance switching display controlling means for each language 11 and 12 make switching display in indicators 17CHR and 17CST. Thus, the credit payment processing guidance is read from the credit card and shown corresponding to the extracted language information.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention is capable of displaying a credit payment processing guidance on a display, performing a credit payment processing procedure with reference to the displayed credit payment processing guidance, and storing a card stored in a credit card. The present invention relates to a credit payment processing device capable of executing credit payment processing using data.

[0002]

2. Description of the Related Art A credit data processing device is formed alone or integrally with a product sales registration data processing device (for example, an electronic cash register), and executes credit card payment processing for registered products related to customer purchased products. You can

That is, for example, in the case of being integrated with an electronic cash register, if a credit payment is declared by key operation after product registration, the control unit (CPU, RO).
M) displays the card input processing guidance (for example,
"Please read the credit card.") Is displayed [ST (step) 60 in FIG. 13]. When the card reading, that is, the card input is completed (YES in ST61), the company code is extracted from the card storage data read from the card (ST62) and the credit payment processing table corresponding to the company code is searched (ST63). Read the processing conditions. Subsequently, a security code input processing guidance (for example, "Please input the security code.") Is displayed (ST64).

When the customer or the operator finishes inputting the personal identification number (YES in ST65), the processing is performed. Then, the payment method input processing guidance (for example, "whether it is batch, split, revolver?") Is displayed (ST66). When this input is finished (YES in ST67), when the installment payment is selected, the installment number input process guidance (for example, “Please enter the installment number”) is displayed (ST68 in FIG. 14), and When these inputs are completed (YES in ST69),
Guidance for inputting the amount of money for each month (for example, "Please enter the amount of bonus month.") Is displayed (ST70).
Is done. With reference to this guidance, the amount of money for each month is input (YES in ST71).

Then, the operation key is pressed (ON)
By doing so, a predetermined credit payment processing is executed using the read credit payment processing conditions and input data (YES in ST72, ST73). If online, it will also communicate with the center. After that,
The copy of the printed credit slip (ST74) is handed over to the customer, and the whole process is completed. Also return the credit card.

[0006] It should be noted that card input processing guidance, personal identification number input processing guidance, payment method input processing guidance,
Both the credit division processing guidance and the amount input processing guidance are included in the credit payment processing guidance. In addition, the contents of the credit payment processing guidance,
In some cases, the display for the customer is different from the display for the operator so that the display can be displayed on each display.

[0007]

As described above, the display of the credit payment processing guidance is extremely important because the credit payment processing procedure is complicated and must be performed in a predetermined procedure. Moreover, the work efficiency significantly differs depending on the skill level of the operator. From the point of view of customer service, promptness and accuracy are strongly required.

[0008] In addition, now that it has been internationalized for a long time,
Promptness and accuracy cannot be assured only by the training on the key input operation of the operator. That is, in the credit payment process, the influence of the degree and level of communication with each customer is very large. For example, even in the case of a Japanese-speaking operator who uses Japanese and an American-speaking customer, most of them are formed to display the credit payment processing guidance in the reference language (Japanese). It is clear from this. The same applies to other countries and other languages.

The present invention has been made in view of the above circumstances, and an object thereof is to enable a credit payment process to be promptly and accurately performed by selectively displaying a credit payment process guidance according to a language used by a customer. To provide a payment processing device.

[0010]

According to a first aspect of the present invention, a credit payment processing guidance can be displayed on a display, and a credit payment processing procedure can be performed while referring to the displayed credit payment processing guidance and a credit card. In a credit payment processing device capable of executing a credit payment process using card storage data read from a credit card, the language information can be directly or indirectly extracted using the card storage data read from the credit card and stored in advance. The language-specific credit payment processing guidance corresponding to the language information extracted from the plurality of language-specific credit payment processing guidance is formed to be selectable, and the selected language-specific credit payment processing guidance can be switched and displayed on the display unit. Formed into the credit payment processing guider The scan was displayable form in the language that corresponds to the read and extracted language information from the credit card, characterized in that.

In this invention, the language information is extracted using the card storage data read from the credit card. When the card storage data includes country information, the corresponding language information is indirectly extracted via the country information. In the case of language information, extract it directly. Then, one corresponding to the extracted language information is selected from among the plurality of language-based credit payment processing guidance stored in advance and is switched and displayed on the display. Therefore, the procedure is simple for both the operator and the customer, the credit payment process can be executed quickly and accurately, and the operational efficiency of the operator can be dramatically improved. The customer's security and reliability can be greatly improved.

Further, according to the invention of claim 2, the credit payment processing guidance can be displayed on the display unit, the credit payment processing procedure can be performed while referring to the displayed credit payment processing guidance, and the card read from the credit card. In a credit payment processing device capable of executing credit payment processing using stored data, language-based guidance storage means capable of storing language information and language-specific credit payment processing guidance in association with each other, and a card read from the credit card Language information extraction means for directly or indirectly extracting stored language information using stored data, and language-based guidance Memory storage-based guidance for selecting language-based credit payment processing guidance corresponding to the extracted language information Guidance selection means and credits for each selected language Payment processing guidance provided and selected language guidance switching display control means for switching display on the display unit, and wherein the.

In this invention, the language information to be stored and the language-specific credit payment processing guidance are stored in the language-specific guidance storage means in association with each other. When the credit card is read, the language information extraction means extracts the language information directly or indirectly using the read card storage data (including language and / or country). Then, the language-specific guidance selecting means searches the language-specific guidance storing means and selects the language-specific credit processing guidance corresponding to the extracted language information. The selected language guidance switching display control means switches and displays the selected language credit payment processing guidance on the display.

Therefore, in addition to the same operational effect as the case of the invention of claim 1, the credit payment processing guidance is automatically displayed in the language used by the customer only by reading the credit card as usual. Therefore, it is much easier to handle.

Further, in the invention of claim 3, the language information extracting means is formed so as to be able to indirectly extract the language information from the country information included in the card storage data read from the credit card. It is a credit payment processor.

In such an invention, the language information extracting means indirectly extracts the language information from the country information contained in the read card storage data. Therefore, the same effect as the case of the invention of claim 2 can be obtained, and further, since the country information that is often included as the principal (customer) information of the credit card can be used as it is, the credit system including the credit card. It can be realized at low cost without modification as a whole.

Further, in the invention of claim 4, the display is formed of an operator display and a customer display, and the language-specific credit payment processing guidance is an operator-language-specific credit payment processing guidance and a customer-specific language. Separate credit payment processing guidance, the selected language guidance switching display control means is capable of switching display of customer language-specific credit payment processing guidance on the customer display, and operator language-based credit payment on the operator display. It is a credit payment processing device formed so that processing guidance can be switched and displayed.

In this invention, the selected language-based guidance switching display control means switches and displays the selected operator language-based credit payment processing guidance on the operator display and displays the customer language-based credit payment processing guidance for the customer. Switching display on the container. Therefore, claim 2
In addition to having the same effect as the case of the invention of claim 3, for the operator, for example, the contents for clarifying the procedure are displayed and for the customer, for example, the selectivity of the amount is more clear. It is possible to display in.
Therefore, the convenience of the customer and the work efficiency of the operator can be further improved.

According to the invention of claim 5, the display is formed of an operator display and a customer display, and the language-specific guidance selecting means corresponds to the extracted language information for the customer. The language-specific credit payment processing guidance is selectable, and the standard language credit payment processing guidance stored in advance for the operator is formed to be selectable, and the selected language-specific guidance switching display control means is provided on the customer display for the language-based credit. It is a credit payment processing device formed so that a payment processing guidance can be switched and displayed and a standard language credit payment processing guidance can be displayed on an operator display.

In such an invention, the language-specific guidance selecting means selects the language-specific credit payment processing guidance for the customer and the pre-stored standard language credit payment processing guidance for the operator. Then, the selected language guidance switching display control means displays the selected reference language credit payment processing guidance on the operator display and the language credit payment processing guidance on the customer display.

Therefore, not only can the same effects as those of the inventions of claims 2 and 3 can be obtained,
Furthermore, since the credit payment processing guidances for the customer and the operator can be switched and displayed in the respective suitable languages, the credit payment processing can be executed much more quickly and accurately.

Further, in the invention of claim 6, the guidance switching display control means for each selected language, the language information extracted by the language information extraction means together with the reference language credit payment processing guidance on the operator display, or / And the country information thereof is a credit payment processing device formed so as to be switchably displayed in the reference language.

In this invention, the guidance switching display control means for each selected language has the language information (for example, French) extracted by the language information extraction means in addition to the reference language credit payment processing guidance for the operator on the operator display. / And country information (for example, France) are switched and displayed in the reference language (for example, Japanese). Therefore, in addition to having the same effect as the case of the invention of claim 5, the operator can further know the language currently used by the customer or the nationality of the country by visually checking the operator display. Therefore, for example, it is possible to make an appointment and make an advance reservation for an interpreter in case of an exceptional inquiry from a customer.

Further, in the invention of claim 7, voice information conversion control means for converting the language-specific credit payment processing guidance selected by the language-specific guidance selecting means into language-specific guidance voice information, and the converted language-specific guidance. The credit payment processing apparatus is provided with language-specific guidance voice output control means for outputting the language-specific credit payment processing guidance based on voice information.

In this invention, the voice information conversion control means converts the selected language-specific credit payment processing guidance into language-specific guidance voice information. Then, the language-specific guidance voice output control means outputs a voice. Therefore,
Customers can read and listen to the language-specific credit payment processing guidance in the extracted language. Therefore, not only can the same effects as those of the inventions of claims 2 to 6 be achieved, but also the customer's sense of security and reliability can be further improved.

Further, the invention of claim 8 is provided with a credit slip printing means capable of printing the credit payment processing result on a credit slip in a different language, and the language in which the credit payment processing result is extracted by the language information extracting means. The credit payment processing device is provided with extraction language conversion means for converting into a language corresponding to information, and is capable of issuing a credit slip in which a credit payment result in the converted language is printed.

In the above invention, the extraction language conversion means converts the credit payment processing result into a language corresponding to the extracted language information. The credit slip printing means issues a credit slip in which the credit payment processing result is printed in the converted language. Therefore, not only can the same effects as those of the inventions of claims 2 to 7 be achieved, but the customer service can be further improved.

[0028]

Embodiments of the present invention will be described below with reference to the drawings. (First Embodiment) The present credit payment processing apparatus has a basic structure integrally formed with the electronic cash register 10 shown in FIG. 1, and is capable of storing language information in correspondence with language-specific credit payment processing guidance. By searching the separate guidance storage means 13WG, the language information extraction means (11, 12) for directly or indirectly extracting the language information using the card storage data read from the credit card, and the language-specific guidance storage means 13WG. Language guidance selecting means (11, 12) for selecting the language-specific credit payment processing guidance corresponding to the extracted language information, and the selected language-based credit payment processing guidance are switched and displayed on the display (17CHR, 17CST). A guidance switching display control means (11, 12) for each selected language is provided,
The credit payment processing guidance is read from the credit card and can be displayed on the display in a language corresponding to the extracted language information.

Further, a credit slip printing means (70) capable of printing the credit payment processing result on the credit slip in a different language is provided, and the credit payment processing result is converted into the language information extracted by the language information extracting means (11, 12). Extraction language conversion means (11, 1) for converting into a corresponding language
2) is provided, and the credit slips 100A and 100B on which the credit payment result in the converted language is printed can be issued.

In FIG. 1, electronic cash register 1
Reference numeral 0 denotes a CPU 11, a ROM 12, a battery-backed RAM 13, a scanner 15 (scanner circuit 15
C), keyboard 16 (keyboard circuit 16C), operator display 17 connected via display circuit 17C
CHR and customer display 17CST, receipt issuing printer 18 (printer circuit 18C), and drawer automatic opening device 19 connected via an input / output port (I / O) 19C. It is possible to execute product registration work and accounting work in which data is requested and registered in the sales file.

Display 17 for operator (cashier)
The CHR is attached to the cash register main body toward the operator side, and the customer indicator 17CST is attached to the customer side in the opposite direction. The display (1
7) may be formed from one unit that is arranged so that the operator and the customer can share it.

Further, in order to form a credit data processing device, a RAM 13 is provided with a credit payment processing condition table 13T for storing credit payment processing conditions including withdrawal date data for each credit company, and a driver 21D is provided. A credit card reader 21 is connected through the interface (I / F) 20
And a data communication line (for example, ISDN) 1 to a higher-level machine (for example, a host computer) 5 in the credit company. Further, as shown in FIG. 2, the keyboard 16 is provided with a credit sales key (declaration key) for declaring payment by a credit card, a selection key for selecting a payment method (lump sum payment, installment payment, etc.).

Further, in addition to the printer 18, a slip-dedicated printer 70, which is connected via an input / output port (I / O) 24 and is capable of printing and issuing a credit slip, is provided. The slip-only printer 30 displays the result of credit payment processing in a different language in a credit slip (100A in FIG. 7,
100B) forms a printable credit slip printing means.

Furthermore, each driver 22D and 23
The prepaid card reader / writer 22 and the point card reader / writer are connected via D, and a voice output circuit 26C is provided so that voice information can be emitted from the speaker 26. Reference numeral 25 is a hard disk device (HDD).

The credit payment processing procedure and the credit payment processing guidance are basically the same as those in the conventional example (see FIG. 1).
3, FIG. 14) and the same (FIGS. 5 and 6).

Here, the language-specific guidance storage means 13W
As shown in FIGS. 1 and 3, G stores the language information (column) and the language-specific credit payment processing guidance (column) in association with each other, and is formed in the RAM 13. For example, the security code input processing guidance that forms part of the credit payment processing guidance is “Please input the security code” when the language information is “Japanese” and “English” when the language information is “English”. Please input your
secret number. It is.

The language information extracting means is a means for directly or indirectly extracting the language information from the credit card, that is, using the card stored data which is read in the card in step ST11 of FIG. It is formed of a ROM 12 storing a control program and a CPU 11, and is executed in ST13 to ST15 of FIG.

The language information extracting means (11,
12) directly extracts the language information contained in the read card storage data (ST1).
3, YES in ST14). However, if only the country information is included in the card storage data (ST14 N
In (O), the country language information storage means 13CW shown in FIG. 4 is searched (ST15), and the language information (“English”) is indirectly extracted as corresponding to the country information (for example, “UK”) ( ST13) is formed.

When indirectly extracting the language information via the country information, when there are a plurality of language information (eg, “English” and “French”) corresponding to the country information (eg, “Canada”), Displays them for the operator display 17
It may be displayed on the CHR, and one of them may be selected by, for example, a key operation so as to be extractable.

The language-specific guidance selecting means searches and extracts the language-specific guidance storing means 13WG shown in FIG. 3 (S
Language information (for example, YES in T13 and ST14) (for example,
Language-based credit payment processing guidance corresponding to "English" (for example, "please input your
secret number. ") Is formed by the ROM 12 storing the language-specific guidance selection control program and the CPU 11, and ST1 of FIG.
6, ST17 is executed.

The guidance switching control means for each selected language is a means for switching and displaying the selected (ST17) language-specific credit payment processing guidance on the display (the operator display 17CHR and the customer display 17CST). ROM storing guidance switching control program
12 and the CPU 11 and is executed in ST18 of FIG. 5, ST20, ST22 and ST24 of FIG.

That is, in the first embodiment, it is premised that the operator is familiar with the credit payment processing procedure, and the customer's understanding is the first reason. 17CH
The R and 17 CSTs are formed so that they can be switched and displayed as they are.

Note that the card input processing guidance (for example, "Please read your credit card" or "Please show your credit card"), which is part of the credit payment processing guidance, still has language information extracted. Control unit (CPU11, ROM12)
Shows all the card input processing guidance (for example, 8 types) corresponding to each language information on both displays 17CHR, 17C.
It is formed to be displayed in parallel on ST (ST10).

Further, the extraction language conversion means is composed of the ROM 12 storing the extraction language conversion control program and the CPU 11, and the credit payment processing result is extracted by the language information extraction means (11, 12) (ST13 to ST13 in FIG. 5). ST1
5) The language information is converted into a language (for example, “English”) corresponding to the language information (ST28 in FIG. 6). In this embodiment, the printing language conversion table 13PW shown in FIG. 1 is referred to.

Thus, the credit slip printing means (print slip dedicated printer 30) prints (ST29) and issues the credit payment processing result in the converted language transferred and input from the control unit (11, 12).

Next, the operation and operation of the first embodiment will be described. When a Japanese operator presses a credit sales (declaration) key on the keyboard 16, the control unit (11, 12) activates the credit payment processing program shown in FIGS.

First, a card input processing guidance which is a part of the credit payment processing guidance is displayed on the operator display 17CHR and the customer display 17CST. That is, since the language information has not yet been extracted at this stage, the language-specific guidance storage means 1 shown in FIG.
All (e.g., 8 types) card input processing guidance by language corresponding to each language information stored in the 3WG is displayed in parallel (ST10 in FIG. 5). For Japanese,
“Please read your credit card.” The same content is displayed in each language. Therefore, the customer can know quickly and accurately that he / she will enter the procedure for reading the credit card. For the operator, the explanation to the customer can be simplified or omitted, so that the mental burden can be reduced.

When the credit card is read using the credit card reader 21 (YES in ST11), the control section (11, 12) extracts the company code from the card read data input by the card (ST12) and RAM.
The credit payment processing condition table 13T in 13 is searched to obtain the exit payment processing condition of the credit company,
This is stored in the work area of the RAM 13 (ST12).

Then, the language information extracting means (11, 12)
Extracts the language information by using the read card storage data (ST13 to ST15). If the card storage data includes language information, it is directly extracted (ST13, S
However, if the language information is not included (NO in ST14), the country language information table 13CW shown in FIG. 4 is searched (ST15) to correspond to the country information (for example, "UK"). Language information (“English”) to be extracted.

Next, language-specific guidance selecting means (1
1, 12) is the language-specific guidance storage means 1 shown in FIG.
The language-specific credit payment processing guidance corresponding to the language information ("English") extracted by searching the 3WG (ST16) is selected (ST17). The selected language guidance switching control means (11, 12) switches and displays the selected language credit payment processing guidance (ST18). In this case, the language-specific credit payment processing guidance is the security code input processing guidance ("Please i
nput your secret number
r. ").

Therefore, a customer who uses English can quickly and accurately know the meaning by looking at the customer display 17CST and can enter his / her own personal identification number by key operation. At this time, the same contents (“Please in
put your secret number. ”)
Is displayed, but as with the conventional example, the customer display 17CS
The burden on the operator who knows the credit payment processing procedure itself is small as compared with the case where the T is also displayed in the same Japanese language as the case of the operator display unit 17CHR.

Similarly, the selected language-based guidance switching control means (11, 12) sequentially switches and displays the language-based payment method input processing guidance, the language-based division number input processing guidance, and the language-based amount input processing guidance. (ST20, ST22 and ST24 in FIG. 6). The control unit (11, 12) also displays the number of divisions input each time, the monthly amount, etc. on both display devices 17CST, 17CHR. Therefore, the operator can quickly and accurately carry out the work, and the customer can check the amount of money entered immediately before the guidance and the like, which is reassuring.

When all the inputs are completed (YES in ST25), the operator presses the execution key on the keyboard 16 (ON) (YES in ST26), and the control section (11, 12) is input. The credit payment processing is executed using each value and the credit payment processing condition of the credit company extracted previously (ST27). If necessary, communicate with the higher-level device 5. For example, to obtain authentication.

The extracted language conversion means (11, 12) is shown in FIG.
Referring to the printing language conversion data table 13PW shown in, the language (“English”) corresponding to the language information (“English”) extracted (ST13 to ST15 in FIG. 5) from the credit payment processing result by the language information extraction means. Convert to (ST28)
I do. The control unit (11, 12) outputs the credit payment processing result in the converted language to the slip dedicated printer 30 forming the credit slip printing means. The slip-only printer 30 prints this and issues the credit slip 100B shown in FIG. 7B (ST29). Therefore,
Customer service can be further improved. When the extraction language is "Japanese", the credit slip 100A shown in FIG. 7A is printed and issued.

However, according to the first embodiment,
Language-based guidance storage means 13WG, language information extraction means (11, 12), and language-based guidance selection means (11, 1)
2) and guidance switching display control means for each selected language (11,
12) is provided so that the credit payment processing guidance can be displayed on the display (17CHR, 17CST) in the language corresponding to the language information read from the credit card and extracted, so that the procedure is simple for both the operator and the customer. Therefore, the credit payment process can be executed quickly and accurately, and the operational efficiency of the operator can be dramatically improved. The customer's security and reliability can be greatly improved.
Further, since the credit payment processing guidance is automatically displayed in the language used by the customer simply by reading the credit card as usual, it is easier to handle.

Language information extracting means (11, 12)
However, since it is formed not only to be directly extracted but also to be able to indirectly extract the language information from the country information contained in the card storage data read from the credit card, it is included as the credit card principal (customer) information. The country information that is often used can be used as it is. Therefore, the credit system including the credit card can be realized at low cost without modification.

Further, the credit slip printing means (30) capable of printing the credit payment processing result on the credit slip in different languages is provided, and the credit payment processing result is converted into the language information extracted by the language information extracting means (11, 12). Extraction language conversion means (11, 1) for converting into a corresponding language
Since 2) is provided and the credit slips 100A and 100B in which the credit payment result is printed in the converted language can be issued, the customer service can be improved significantly.

Further, language information extracting means (11, 12)
For the credit payment processing guidance (card input processing guidance) required to read a credit card that is a condition before it has not worked yet, that is, the control unit (11, 12) stores it in the language-specific guidance storage means 13WG. All stored (eg, "8 types")
Display card guidance by language for both displays 17CS
Since it can be displayed in parallel on each of T and 17CHR, not only the mental burden on the operator can be reduced, but also the customer can read the credit card in his / her own language and can quickly and accurately enter the procedure. You can know

(Second Embodiment) This embodiment is basically the same as the first embodiment (FIGS. 1, 2 and 4 to 7) in structure and function, As shown in FIG. 8, the language-specific credit payment processing guidance is formed from the operator-specific language-specific credit payment processing guidance and the customer-specific language-based credit payment processing guidance, and as shown in FIG. 12) is configured such that the customer-specific display 17CST can switch and display the customer-specific language-specific credit payment processing guidance and the operator-display 17CHR can display and switch the operator-specific language-based credit payment processing guidance.

That is, for example, in the case where it is constructed so that the customer inputs the "personal identification number", the operator can instruct the customer, for example, "Please input the personal identification number.""Is preferable, and for example," Please input the personal identification number "necessary for letting the customer understand that they should do it is preferable.

Thus, the language-specific guidance storage means 13WG according to the second embodiment, as shown in FIG.
The language-based credit payment processing guidance can be memorized as "purpose-specific" and "customer-specific" as purposely different.

Thus, the guidance switching display control means (11, 12) for each selected language is changed to ST18 in FIG. 5 and S in FIG.
In the case of switching display at T20, ST22, and ST24, the customer-specific display 17CST displays the customer language-specific credit payment processing guidance (ST30 in FIG. 9) and the operator display 17CHR displays operator-specific language-specific credit payment. Display processing guidance (ST31)
It is formed to do. The same applies to ST10 in FIG.

In the second embodiment, the language information extracting means (11, 12) extracts (ST13 to ST1 in FIG. 5).
5) If the language information is "Japanese" and the language-specific credit payment processing guidance selected (ST17) by the language-specific guidance selecting means (11, 12) is, for example, language-specific PIN input processing guidance. , Referring to FIG. 8, "Enter the PIN" is displayed on the customer display 17CST (ST30) and "Please have the customer enter the PIN" on the operator display 17CHR. . "Is displayed (ST31). When the extracted language information is, for example, "English", for example, "Please in
put your secret number. "
And, for example, "please indicate to
inputcustomer's secret n
number. It is.

However, according to the second embodiment,
Not only can the same operational effects as in the case of the first embodiment be exerted, but also the customer convenience and the operational efficiency of the operator can be further improved, and for the operator, for example, a credit payment by language with a content that makes the procedure clearer. Since the processing guidance can be displayed and, for example, the number of divisions and the selectivity of the amount of money can be displayed more clearly for the customer, the convenience of both parties can be greatly improved.

(Third Embodiment) This embodiment has the same basic configuration and function as the first embodiment (FIGS. 1 to 7), but the language-specific guidance selecting means (1
1, 12) selectable the credit payment processing guidance for each language corresponding to the extracted language information for the customer and selectable the reference language credit payment processing guidance stored in advance for the operator, and for each selected language The guidance switching display control means (11, 12) can switch and display the selected language-specific credit payment processing guidance on the customer display unit 17CST (ST40 in FIG. 11) and the standard language credit payment processing guidance on the operator display unit 17CHR. It is formed to be displayable (ST43).

Further, the guidance switching display control means (11, 12) for each selected language is used for the operator display 17CH.
The language information (“English”) or / and the country (“UK”) information extracted by the language information extraction means (11, 12) together with the reference language credit payment processing guidance in R is used as the reference language (“Japanese”). It is formed so that it can be displayed (ST42).

That is, the reference language guidance storage means 13ST shown in FIG. 10 is provided so that the reference language credit payment processing guidance corresponding to the language used by the operator can be preset and stored by key operation. Reference language guidance storage means 1 in the third embodiment
The 3ST uses the same language-specific guidance storage means 13WG as a part thereof as in the case of the first embodiment (FIG. 3) in order to reduce the capacity of the memory (RAM 13), convenience of search, and speed up. By setting a flag "1" in the reference language field, the language-specific credit payment processing guidance can be used as the reference language credit payment processing guidance.

In FIG. 10, if the language-specific credit payment processing guidance is, for example, a personal identification number input processing guidance, the flag "1" is set in the reference language column corresponding to the language information ("Japanese"). In this case, the guidance message for inputting the security code of the reference language is "Please input the security code." Naturally, the credit payment processing guidance for each selected language in which the language information field is "English"("Please input your secr"
et number. The flag in the reference language column corresponding to ")" is "0".

Therefore, the language information extracting means (11, 1
The language information extracted in 2) (ST13 to ST15 in FIG. 5) is, for example, "English", and the language-specific credit payment processing guidance selected by the language-specific guidance selecting means (11, 12) is input in the language-specific PIN code. Processing Guidance ("Please input your security"
tnumber. If it is "), the guidance switching display control means (11, 12) for each selected language, in ST18 of FIG. 5, displays the personal identification number input processing guidance for each language on the customer display 17CST.
r secretnumber. ") Is displayed (ST40 in FIG. 11), and the reference language PIN code input processing guidance (" Please input PIN code ") is displayed on the operator display 17CHR (ST43).

Thus, the Japanese operator can read the credit payment (personal identification number input) processing guidance in the standard language (Japanese) that he or she normally uses, and the English customer can read the extraction language (English) that he or she normally uses, so that it is much quicker and faster. The credit payment process can be executed accurately.

Further, in the third embodiment, if the operator selects language information display selection by key operation in advance and stores it in the work area of the RAM 13, the guidance switching display control means (11, 11, 12)
Is extracted by the language information extraction means (11, 12) (ST13 to ST15 in FIG. 5) in addition to the same standard language credit payment processing guidance as in ST43 (“Please input your PIN”). Language information (“English”)
Or / and the country information ("UK") is displayed on the operator display 17CHR in the reference language ("Japanese") (ST14).

Therefore, the operator can know what language the current customer uses by what country by looking at the operator display 17CHR, so that an interpreter can be prepared in case of an exceptional inquiry from the current customer. It is possible to make predictions and make reservations in advance. It is more reassuring if the operator can use the selected language. Therefore, work efficiency is further improved.

(Fourth Embodiment) This embodiment has the same basic configuration and function as those of the first to third embodiments, but further includes language-specific guidance selecting means (11,
12) Voice information conversion control means (11, 12) for converting the language-specific credit payment processing guidance into language-specific guidance voice information, and the language-specific credit payment processing guidance based on the converted language-based guidance voice information. A language-specific guidance voice output control means (11, 12) for outputting the voice is provided so that the selected credit-specific credit payment processing guidance can be output by voice.

That is, the voice information conversion control means includes the ROM 12 in which the voice information conversion control program is stored and the CP.
U11 and the language-specific guidance selecting means (1
1, 12), the language-specific credit payment processing guidance selected (ST17 in FIG. 5) is converted into language-specific guidance voice information by referring to the voice information conversion table 13VT shown in FIG. 1 (ST51 in FIG. 12). . This conversion is performed by displaying the credit payment processing guidance for each language on the customer display 17CST (ST18 in FIG. 5, S in FIG. 6).
Although it is formed that each of them is converted at the time of T20, ST22, ST24), it may be formed so as to convert all at once in ST17 of FIG.

The language-specific guidance voice output control means is means for outputting the language-specific credit payment processing guidance by voice based on the language-specific guidance voice information converted at that time (or in advance). It is formed of a ROM 12 storing a control program and a CPU 11, and is executed in ST52 of FIG. 12 (ST18 of FIG. 5, ST20, ST22, ST24 of FIG. 6).

Specifically, the audio output circuit 26 shown in FIG.
Outputs the guidance voice information for each language to C, and the speaker 26
It is formed to output audio from. If the audio output selection is made using the keyboard 16 (S
It is supposed to be executed in YES of T50). For example, it may be annoying for regular customers, so
It is a measure to meet this.

In the fourth embodiment, ST1 of FIG.
8, in each of the switching display of ST20, ST22 and ST24 of FIG. 6, the voice information conversion control means (11, 12) and the language-specific guidance voice output control means (11, 12) work, and the credit for each selected language. The payment processing guidance can be output by voice (FIG. 12).

Therefore, even an inexperienced customer can not only read the language-specific credit payment processing guidance in the extracted language from the customer display 17CST but also hear it from the voice output, which provides a further sense of security. The reliability can be improved.

[0079]

According to the first aspect of the present invention, a plurality of language-based credit payment processing guidances in which language information can be extracted directly or indirectly using card storage data read from a credit card and stored in advance. The credit payment processing guidance for each language corresponding to the extracted language information is formed to be selectable, and the credit payment processing guidance for each selected language is also switchably displayed on the display unit, and the credit payment processing guidance is displayed on the credit card. Since it is formed so that it can be displayed in the language corresponding to the language information read and extracted from the operator, the procedure is simple for both the operator and the customer, the credit payment process can be executed quickly and accurately, and the operational efficiency of the operator is dramatically improved. Can be improved. The customer's security and reliability can be greatly improved.

According to the second aspect of the present invention, language-specific guidance storage means, language information extraction means, language-specific guidance selecting means, and selected language-specific guidance switching display control means are provided, and credit payment processing guidance at each stage is provided. Since it is formed to be switchable in the language used by the customer,
The same effect as in the case of the invention of claim 1 can be obtained, and further, the credit payment processing guidance is automatically displayed in the language used by the customer by simply reading the credit card as usual, which makes it easier to handle. Is.

Further, according to the invention of claim 3, since the language information extracting means is formed so as to be able to indirectly extract the language information from the country information included in the card storage data read from the credit card. Not only can the same effect as in the case of the invention of claim 2 be exerted, but since country information that is often included as personal (customer) information of the credit card can be used as it is, the entire credit system including the credit card can be used. It can be realized at low cost without modification.

According to the invention of claim 4, the indicator is formed by the operator indicator and the customer indicator and the language-specific credit payment processing guidance is the operator-specific credit payment processing guidance and the customer language. It is formed from separate credit payment processing guidance, and the selected language guidance switching display control means can switch and display the customer language-specific credit payment processing guidance on the customer display and the operator-specific language credit payment processing on the operator display. Since the guidance can be switched and displayed, the same effects as those of the inventions of claims 2 and 3 can be obtained, and further, for the operator, for example, a content that makes the procedure clearer is displayed. And for customers, for example, it becomes possible to more clearly display the selectivity of the amount etc. Therefore, the convenience of the customer and the work efficiency of the operator can be further improved.

According to the invention of claim 5, the display is formed of the operator display and the customer display, and the language-specific guidance selecting means corresponds to the extracted language information for the customer. The language-specific credit payment processing guidance is selectable, and the standard language credit payment processing guidance stored in advance for the operator is formed to be selectable, and the selected language-specific guidance switching display control means is provided on the customer display for the language-specific credit payment processing. Since the guidance can be switched and displayed, and the reference language credit payment processing guidance can be displayed on the operator display, the same effects as those of the inventions of claims 2 and 3 can be obtained, and further, Each credit payment processing guidance for customer and operator is suitable for each word. In since it switching display can be performed more quickly and accurately credit payment processing.

Further, according to the invention of claim 6, the guidance switching display control means for each selected language is displayed on the operator display together with the reference language credit payment processing guidance and the language information extracted by the language information extraction means and / or the country thereof. Since the information is formed so as to be switchable and displayed in the reference language, the same effect as in the case of the invention of claim 5 can be obtained, and further, the operator can visually check the operator display and use it by the customer at present. Since it is possible to know the language to be used or the nationality of the country, for example, it is possible to make a prediction and advance reservation of an interpreter in case of an exceptional inquiry from a customer.

Further, according to the invention of claim 7, a voice information conversion control means and a language-based guidance voice output control means are provided, and the selected credit-based credit payment processing guidance can be converted into language-based guidance voice information. Since it is formed so that it can be output by voice, the customer can read and listen to the language-specific credit payment processing guidance in the extracted language. Therefore, not only can the same effects as those of the inventions according to claims 2 to 6 be obtained, but also the customer's sense of security and reliability can be further improved.

Further, according to the invention of claim 8, a credit slip printing means for printing the credit payment processing result on the credit slip in a different language is provided, and the credit payment processing result is extracted by the language information extracting means. Since the extraction language conversion means for converting into the language corresponding to the language information is provided and the credit slip in which the credit payment result in the converted language is printed can be issued, the invention according to claim 2 to claim 7 is realized. Not only can the same effects as those described above be achieved, but the customer service can be further improved.

[Brief description of drawings]

FIG. 1 is a block diagram showing a first embodiment of the present invention.

FIG. 2 is also a diagram for explaining a keyboard.

FIG. 3 is also a diagram for explaining language-specific guidance storage means.

FIG. 4 is also a diagram for explaining a national language information storage means.

FIG. 5 is also a flowchart (1) for explaining the operation.

FIG. 6 is also a flowchart (2) for explaining the operation.

FIG. 7 is a diagram for explaining an example of a credit slip printed in different languages.

FIG. 8 is a diagram for explaining language-specific guidance storage means according to the second embodiment of the present invention.

FIG. 9 is likewise a flowchart for explaining the operation.

FIG. 10 is a diagram for explaining a language-specific guidance storage unit and a reference language guidance storage unit according to a third embodiment of the present invention.

FIG. 11 is likewise a flowchart for explaining the operation.

FIG. 12 is a flowchart for explaining the operation of the fourth exemplary embodiment of the present invention.

FIG. 13 is a flowchart (1) for explaining the operation of the conventional example.

FIG. 14 is a flowchart (2) for explaining the operation of the conventional example.

[Explanation of symbols]

5 High-level machine 10 Electronic cash register (credit payment processing device) 11 CPU (language information extraction means, language-specific guidance selection means, selected language-specific guidance switching display control means, voice information conversion control means, language-specific guidance voice output control means, Extraction language conversion means) 12 ROM (language information extraction means, language-specific guidance selection means, selected language-specific guidance switching display control means, voice information conversion control means, language-specific guidance voice output control means, extraction language conversion means) 13 RAM 13T Credit payment processing condition table 13CW Country language information storage means 13WG Language-specific guidance storage means 13ST Reference language guidance storage means 13PW Print language conversion data table 13VT Voice information conversion table 16 Keyboard 17CHR Operator display (display) 7CST customer display device (display) 21 Credit card reader 26 speaker 26C audio output circuit 30 slip dedicated printer (credit slip printing means) 100A, 100B credit voucher

Claims (8)

[Claims] 1. A credit payment processing guidance can be displayed on a display device, a credit payment processing procedure can be performed while referring to the displayed credit payment processing guidance, and credit is stored by using card storage data read from a credit card. In a credit payment processing device capable of executing payment processing, a plurality of language-based credit payment processing guidances in which language information can be extracted directly or indirectly using card storage data read from the credit card and stored in advance The credit payment processing guidance for each language corresponding to the language information extracted from is formed to be selectable, and the credit payment processing guidance for each selected language is formed to be switchably displayed on the display unit, and the credit payment processing guidance is Read from credit card And displayable form in the language that corresponds to Li Kui extracted language information, credit payment processing apparatus characterized by. 2. The credit payment processing guidance can be displayed on the display, and the credit payment processing procedure can be executed while referring to the displayed credit payment processing guidance, and the credit is stored by using the card memory data read from the credit card. In a credit payment processing device capable of executing payment processing, language-based guidance storage means capable of storing language information and language-specific credit payment processing guidance in association with each other, and directly using card storage data read from the credit card. Alternatively, a linguistic information extraction unit that indirectly extracts linguistic information and a linguistic guidance selection unit that searches the linguistic guidance storage unit and selects a linguistic credit payment processing guidance corresponding to the extracted linguistic information are selected. Guidance for credit payment processing by language Provided a selection language guidance switching display control means for switching display on the serial display, a credit payment processing apparatus characterized by. 3. The credit payment according to claim 2, wherein the language information extracting means is formed so as to be able to indirectly extract the language information from country information included in card storage data read from the credit card. Processing equipment. 4. The indicator is formed of an operator display and a customer display, and the language-specific credit payment processing guidance is formed of an operator-language-specific credit payment processing guidance and a customer-language-specific credit payment processing guidance. At the same time, the selected language-specific guidance switching display control means can switch and display the customer language-specific credit payment processing guidance on the customer display, and can switch and display the operator language-based credit payment processing guidance on the operator display. Claim 2 formed
Alternatively, the credit payment processing device according to claim 3. 5. The display unit is formed of an operator display unit and a customer display unit, and the language-specific guidance selecting unit displays language-specific credit payment processing guidance corresponding to the extracted language information for the customer. Selectable and pre-stored standard language credit payment processing guidance for the operator is formed selectable, and the selected language-specific guidance switching display control means can switch and display the language-specific credit payment processing guidance on the customer display. The credit payment processing device according to claim 2 or 3, wherein the operator language display is configured to display the reference language credit payment processing guidance. 6. The selected language-specific guidance switching display control means displays the language information extracted by the language information extraction means and / or the country information thereof together with the reference language credit payment processing guidance on the operator display on the reference. The credit payment processing device according to claim 5, wherein the credit payment processing device is formed so as to be switchable and displayed in a language. 7. Voice information conversion control means for converting the language-specific credit payment processing guidance selected by the language-specific guidance selection means into language-specific guidance voice information, and the language-specific guidance voice information based on the converted language-specific guidance voice information. 7. The credit payment processing apparatus according to claim 2, further comprising language-specific guidance voice output control means for outputting the credit payment processing guidance by voice. 8. A credit slip printing means for printing the credit payment processing result on a credit slip in a different language is provided, and the credit payment processing result is converted into a language corresponding to the language information extracted by the language information extracting means. The credit payment processing device according to any one of claims 2 to 7, further comprising extraction language conversion means, which is configured to be capable of issuing a credit slip in which a credit payment result in the converted language is printed.