JPS62121571A - Card/accounting processor - Google Patents

Abstract

PURPOSE:To increase rapidness in a payment process by providing a receipt printing part which prints a prescribed content when a payment is confirmed at a communication confirmation processing part, and performing an accounting process and a confirmation process by a card in parallel when it is discriminated as the payment process by the card. CONSTITUTION:In the payment by the card, the accounting process of a product purchased by a customer is performed, and also, a card payment process is performed in parallel, and next, the result of both processes is confirmed at a host device. As a result, when the payment process of the card is performed, the receipt is printed and is handed to the customer also with the card. A password number in a bit of information read by a password number checking part and an inputted password number are checked. At the communication confirmation processing part which informs and confirms to the host device, the balance of deposit, etc., is confirmed and a payable capacity is confirmed. Thereby, the payment process by the card can be processed rapidly, and a manual operation can be reduced by rapidly, and a manual operation can be reduced by adopting a checking system in which the password number is used.

Description

[Detailed Description of the Invention] [Summary] A card/accounting processing device that performs card-based accounting processing includes a card payment processing discrimination section, an accounting processing section, a card read processing section, a PIN verification section, and an imprint processing section. , a communication confirmation processing section that notifies the host of the contents processed by the accounting processing section and the imprint processing section and confirming the same, and when confirmed by this communication confirmation processing section,
It is equipped with a receipt printing section that prints predetermined contents on the receipt, and the printed receipt and card are handed over to the customer.

[Industrial application field]

The present invention relates to a card/accounting processing device that quickly processes payment by card by processing accounting processing and card processing in parallel.

[Problems to be solved by conventional technology and invention] Conventionally,
Card payment processing using the POS (point of 5ales) system involves the clerk reading the card, printing the receipt, copying the embossed part of the card,
Since it is necessary to verify the customer's signature and the signature by the clerk, there is a problem in that the processing time is two to three times longer than that of cash payment processing. This will be explained using FIG.

6 indicates a state in which it is determined whether the payment is by card or not. If YES, the card payment process is executed using the steps from [phase] to [phase] in the figure. No
In the case of , cash processing is executed using the steps from [phase] to [phase] in the figure.

In the figure, @ indicates a state in which accounting processing is performed. This means, for example, that a store clerk inputs the product codes of multiple products that a customer wants to purchase, and the device adds up the unit prices of the input products to calculate the total price.

In the figure, @ indicates a state in which printing processing is performed. This means that the receipt is printed.

In the figure, [phase] to [phase] are processes specific to card payment processing, and are processes performed by an operator (clerk) or a customer.

In the figure, [Yes] indicates the state in which the magnetic card is read, [phase] in the figure indicates the state in which the handprint is printed, and [phase] in the figure indicates the state in which the embossed part of the card is copied. 0 in the figure indicates a state in which the customer signs.
In the figure, [phase] indicates a state in which the store clerk verifies the signature.

Similarly, in the case of cash payment, the accounting process is indicated by [phase] in the diagram.
The printing process of the receipt is performed at [phase] in the figure, and the handing process for receiving and receiving cash is performed at ■ in the figure.

As explained above, in the case of card payment processing, after performing the same processing as in the case of cash payment using the steps of [phase] and 0 in the figure, Since card-specific processing was performed using the following procedure, there was a problem in that payment processing by card could not be performed quickly.

[Means for solving problems]

In order to solve the above-mentioned problems, the present invention employs a configuration that allows accounting processing and card processing to be processed in parallel, thereby speeding up card payment processing.

Means for solving the problems will be explained using the configuration of one embodiment of the present invention shown in FIG.

In FIG. 1, the symbol ■ indicates a card payment processing determining unit that determines whether the payment is a card payment or a cash payment.

■ in the figure indicates an accounting processing section that performs accounting processing.

■ in the figure shows the state in which the card is inserted into the insertion slot of the card/accounting processing device.

In the figure, ■ indicates a card read processing section that performs card read processing.

■ in the figure indicates a state in which the customer enters the PIN number manually using a keyboard or the like.

In the figure, ■ indicates a password verification unit that verifies the password. This means, for example, comparing the PIN number in the information read out by the process ``■'' in the figure with the PIN number inputted in ``■'' in the figure.

In the figure, ■ indicates an imprint processing unit that performs imprint processing on a receipt.

■ in the figure indicates a communication confirmation processing unit that notifies and confirms the results of the accounting process according to the procedure of ■ in the figure and the processing according to the procedures of ■ to ■ in the figure to the host. For example, check your savings balance to see if you have the ability to pay.

In the figure, ■ indicates a receipt printing section that performs receipt printing processing.

In the figure, [phase] indicates a state in which a card/receipt is handed over to a customer.

As explained above, a configuration is adopted in which accounting processing and card processing using cards can be performed in parallel.

[Operation] By adopting the configuration explained using Fig. 1, in the case of card payment, the accounting process (■ in the figure) for the product purchased by the customer is performed, and the card payment process (■ in the figure) is performed in parallel, so to speak. ■ or ■). Next, both results are confirmed with the host (■ in the figure). As a result of this confirmation, when executing the payment process for the car 1', a receipt is printed and handed to the customer, and the card is returned. In this way, since the accounting process and the cart process are processed in parallel, it is possible to quickly process payment by card.

〔Example〕

Figure 1 is a configuration diagram of one embodiment of the present invention, Figure 2 is a system configuration diagram using the present invention, Figure 3 is a configuration diagram of a POS system, and Figure 4 is a system configuration diagram of a card/accounting processing device. show. A detailed explanation will be given below.

As mentioned above, in Fig. 1, when fJI is classified as card payment processing in the figure, the accounting process is executed using the procedure of ■ in the figure, and in parallel, ■ to ■ in the figure are executed. Card processing is performed using the following procedure.

Next, the results of this accounting processing and card processing are confirmed with the host. After confirmation, the receipt printing unit is handed over to the customer and the card is returned.

FIG. 2 shows a system configuration diagram employing the configuration described using FIG. 1.

In FIG. 2, as an application example of the present invention, the PO3II and the card/accounting processing device 12 are connected to the POS controller 13, and the card/accounting processing device 12-1 is connected in series to the PO5ll-1. There are some types. In both of these cases, accounting processing and card processing can be processed in parallel using the procedure explained using FIG. Ko (DMA, PO5II, 1)-1
is connected to the POS host computer 15 via the communication line +31fM14-1. Further, the PoS host computer 15 connects a predetermined bank's host 16-1 and a predetermined credit company's host 1 via the communication network 14-2.
6-2. This allows PO5II, 1
) 1 can inquire about the card holder's savings balance, etc. in real time.

FIG. 3 shows an example of the arrangement of the PO3 main body 17 and the card/accounting processing device 18.

In FIG. 3, the PO3 main body 17 is arranged to be operated by an operator (clerk). The cart/checkout processing device 18 is also positioned for customer operation. For example, the store clerk calculates the total price of all products purchased by the customer. During this time, so to speak, in parallel, the customer inserts, for example, the original card into the card insertion slot and the card/receipt exit 1 according to the instructions on the display 18-1.
Insert into 8-2. This will automatically read the contents of the card. Then, in accordance with the manual instruction of the password indicated on the display 18-1, the customer inputs the password from the keyboard section 1-3. This input password is checked against the password read from the card, for example. If it is determined that they match as a result of the comparison, imprint processing is performed. The processing results executed through the above processing are notified to the POS host computer 15 via the line, and if it is determined that the card processing (shopping) is within the range of the savings balance, the card/accounting processing device 1
8 prints a receipt and discharges it from the card/receipt exit, as well as returns the customer's card. Through the above series of processes, payment processing by card is executed.

FIG. 4 shows a system configuration diagram of the card/accounting processing device.

In FIG. 4, a CIP (card reader imprint printer) 19 is a card reader/writer unit 19-
1, an imprinter section 19-2, a printer section 19-3, and a card transport section 19-4. The display 21 and keyboard section 20 are for customer use. The customer inserts a card or inputs a personal identification number or the like from the keyboard section 20 in accordance with the instructions displayed on the display 21. Thereby, card processing is performed according to the procedure explained using FIG.

On the other hand, the store clerk uses PO3II or 1)-1 to separately perform accounting processing for the products purchased by the customer.

The main control unit/power supply unit 22-1 includes the transmission control unit 22
, PO3ll-1 or PO3D.

- communicates with the POS host computer 15 via the controller 13 to check balances and the like. After checking, the receipt is printed and the card is returned.

FIG. 5 shows another overall configuration diagram of the present invention, and shows a configuration diagram in which processing is performed using the personal computer body 23.

In FIG. 5, the personal computer main body 23 includes a transmission control section 23
-1 and a main control section 23-2. A card/accounting processing device and a keyboard/display 24 are connected to this personal computer body 23. In this way, it is also possible to execute the procedure illustrated in FIG. 1 using the personal computer body 23.

〔Effect of the invention〕

As explained above, according to the present invention, since a configuration is adopted in which accounting processing and card processing are processed in parallel,
Card payments can be processed quickly. Further, by adopting a verification method using a personal identification number, it is possible to reduce manual labor, and it is also possible to perform payment processing in conjunction with a commonly used bank card, for example.

[Brief explanation of drawings]

FIG. 1 is a configuration diagram of one embodiment of the present invention, FIG. 2 is a system configuration diagram using the present invention, FIG. 3 is a configuration diagram of a POS system, and FIG. 4 is a system configuration diagram of a card/accounting processing device. FIG. 5 shows another general configuration diagram of the present invention, and FIG. 6 shows a configuration diagram of a conventional card/accounting processing device. In the figure, ■ to [phase] are procedure examples of the present invention, 1). 1)-
1 is POS, 12.12-1 is card/accounting processing device,
13 is a pos controller, 19-1 is a card reader/
19-2 is a writer section, 19-2 is an imprinter section, 19-3 is a printer section, 19-4 is a card transport section, 20 is a keyboard section, and 21 is a display.

Claims (1)

[Scope of Claims] A card/accounting processing device that performs accounting processing in which information on products to be purchased is input and calculates the transaction amount, and that performs payment processing using a card or cash for the transaction amount obtained in the accounting processing. A card payment processing determination unit (1) that determines whether the payment is a card payment, an accounting processing unit (2) that performs accounting processing, and a card payment processing determination unit (1) that determines whether the payment is a card payment In this case, the card read processing unit (4) reads out the information stored on the card, the PIN number in the information read by the card read processing unit (4), and the PIN number input by the customer. A PIN verification unit (6) that performs customer verification processing by verifying the identity of the customer; and an infrared unit that performs imprint processing on the receipt and copying of the embossed part of the card if the PIN verification unit (6) finds a match. A print processing section (7), a communication confirmation processing section (8) that notifies and confirms the contents processed by the accounting processing section (2) and the imprint processing section (7) to the host, and this communication confirmation processing section ( 8) if confirmed by
Receipt printing section (9) that prints predetermined content on the receipt
A card/accounting processing device comprising: when determining that the payment processing is by card, the above-mentioned accounting processing and the above-mentioned confirmation processing by card are performed in parallel.