JPH0415790A - Managing device for transaction by credit card of revolving system - Google Patents

Abstract

PURPOSE:To quickly perform a transaction by the credit card of revolving system even by a person who is not an expert by describing a sale condition required for the transaction by the credit card of revolving system on a receipt, and offering it. CONSTITUTION:A merchandise name/type/quantity/price column R2, a total amount column R3, a tax column R4, a cash column R5 function as sale amount detail columns. Also, a down payment column R6, a card number column R7 on which the card number of a customer is described, a customer name column R8 on which a customer name is described, an inquiry number (transaction specification number) R9 on which an inquiry number is described, a credit use amount column R10 on which a purchase amount by the transaction by credit card of revolving system is described, a merchan dise delivery date column R11, an appointed day point column R12, an accumulation point column R13, and a receipt issuance time column R14 on which the contract date is described are arranged. Therefore, a sale clerk can perform a transaction by the credit card only by performing an easy operation. In such a manner, a load on the sale clerk can be reduced, and the transaction by the credit card of revolving system can be quickly performed even by the person who is not the expert.

Description

[Detailed Description of the Invention] (Industrial Application Field) The present invention relates to a revolving type installment sales management device,
More specifically, the present invention relates to an installment sales management device used when products are sold in installments at department stores, retail stores, and the like.

(Prior Art) One of the methods of selling products is the credit sales method. Note that the term "product" as used herein includes not only products related to boat fishing, but also services such as automobile repair and insurance contracts.

The credit sales method is a method of selling products, etc. based on the trust of customers, and is classified into an installment sales method and a non-installment sales method. The installment sales method is stipulated by the Installment Sales Act, and is a form of sales that requires payment to be received from the purchaser in three or more installments over a period of two months or more. The non-installment sales method is a credit sales format that does not meet this condition but relies on the purchaser's trust.

Installment sales include comprehensive installment sales, in which a comprehensive installment sales contract is concluded in consideration of the purchaser's ability to pay before each product is sold, and installment sales, in which the purchaser's ability to pay is investigated each time a product is sold. In addition to individual item installment sales where a sales contract is concluded, revolving installment sales where products are sold within a predetermined limit and payments are made using a predetermined payment method such as repayment at a fixed amount each month. There is.

There are various restrictions on installment sales under the Installment Sales Act. Particularly in revolving installment sales, it is necessary to clearly state the conditions stipulated by the Installment Sales Law for each individual transaction. For this reason, when conducting revolving installment sales, a slip for revolving installment sales is prepared, the necessary information is filled in, and the slip is handed out along with the product.

In the past, purchasing items in installments was often applied to high-priced items that were difficult to pay for all at once, and the number of stores that sold in installments was also very limited. However, in recent years, credit sales have become available not only at department stores and supermarkets, but also at retail stores, etc., and it is also easy to use installment sales when purchasing items that are not very expensive, such as regular clothing or miscellaneous goods. method is becoming more and more used. In particular, with revolving installment sales, a payment method in which a fixed amount is repaid every month is allowed, regardless of the amount of credit used, as long as it is within the limit, so feel free to use it without considering the amount to be paid. I can do it.

(Problem to be solved by the invention) As described above, in recent years, despite the frequent occurrence of small revolving type installment sales and the increasing number and types of products handled, salespeople still do not use revolving type installment sales. Necessary information must be filled in on the installment sales slip each time. For this reason, as the number and types of products handled increase, filling in the invoice becomes extremely complicated and troublesome.
Because of this document entry, revolving installment sales take a very long time and cause inconvenience to customers. In addition, since the entries on the slip must be based on the Revolubi Fugu Installment Sales Act or similar to it, a certain degree of skill is required, and there is a problem that mistakes are likely to occur if the entries are made by someone who is not accustomed to installment sales. there were.

The present invention has been made in consideration of the above circumstances, and it is an object of the present invention to provide a revolving type installment sales management device that reduces the burden on salespeople and allows even non-skilled workers to quickly conduct revolving type installment sales. purpose.

(Means for Solving the Problems) A revolving type installment sales management device according to the present invention includes a card reading means for reading customer information from a customer card, and a revolving type regarding sales data regarding sold products and conditions of revolving type installment sales. a data input means for inputting installment data; a data holding means for holding other data; a calculation means for calculating the payment amount for the installment sale based on the sales data and the installment data input by the input means; Renote ticket issuing means for issuing a ticket, the Renote ticket issuing means at least issuing a receipt based on data from the card reading means, data from the data input means, data from the data holding means, and data from the calculation means. The store name and
The time of issuance of the receipt, the product name, price, and total amount of each product sold in installments using the revolving method, and the down payment for the revolving installment sale.
The system is characterized in that the customer data, the number identifying the current revolving installment sales transaction, and the delivery date of the product are printed on receipt paper, and then the receipt is issued.

It is preferable that the receipt issuing means further prints the current limit balance for revolving installment sales on the receipt paper.

A magnetic card or an IC card may be used as the customer card.

Further, it is preferable that the main operating portion of the present rolling installment sales management device be comprised of a point-of-sale (PO3) terminal device. This is to effectively utilize the fact that many of the items described in the conditions presented in installment sales overlap with the items described in the let issued from the PO3 terminal device at the time of cash sales.

(Function) The revolving type installment sales management device of the present invention inputs sales data regarding sold products through the data input means,
The revolving system installment data, which is a condition for revolving system installment sales, is input, and the receipt issuing means automatically issues a receipt that records the revolving system installment sales information together with the sales information. It is also possible to quickly conduct revolving installment sales.

(Embodiment) Hereinafter, a revolving type installment sales management device according to a preferred embodiment of the present invention will be described with reference to the accompanying drawings. In addition, in the embodiment, the installment sales management device is
This will be explained as a POS system incorporating a PO8 terminal device and using a magnetic card as a customer card.

A large number of PO8 terminals ff11O are installed in each store. The entire PO3 terminal device 10 is controlled by a control section 11. The PO8 terminal device 10 of this embodiment is compatible with revolving installment sales, and is provided with a keyboard 12 as a data input means operated by a salesperson and a guidance panel 13 that displays various guidance contents for the salesperson. There is.

Further, the PO8 terminal device 10 is provided with a reader/writer 14 as a card reading/writing means, which reads and writes the customer card C when picking it up. In this customer card C, together with the customer card number, for example, the cumulative points for the service point system and the point update date are recorded.

Furthermore, the PO8 terminal device 10 is provided with a resort ticket issuing device 15, which issues a receipt R containing the details of the sale as a receipt in the case of cash sales, and issues necessary information for the installment together with the details of the sale in the case of installment sales. Issue a cash register 1-R with the following information written on it.

A plurality of PO8 terminal devices 10 provided in each store are controlled by a store computer 18 provided in each store. Note that the PO8 terminal device 10 may also serve as the store computer 18. The front end processor 20 is installed, for example, at the main store, and performs auxiliary work to lighten the burden on the host computer 30. For example, data periodically sent from the store computer 18 of each store via a communication line may be sent all at once to the host computer 30 as needed, or less important data such as details of each transaction may be sent. is independent of the host computer 30,
It stores it in its own log file 22 and manages it. Note that the work may be performed by the host computer 30 without providing the front-end processor 20.

The host computer 30 is installed in, for example, an information center and controls the entire carton stem. The host computer 30 is provided with a customer database 32 as a master file. Customer database 3
2 stores various customer information, but what is particularly relevant to the present invention is a card point master 34 for managing service points generated according to the purchase amount of products as a customer service, and a credit card This is a credit master 36 for managing sales.

In addition, in the above-mentioned card system example, the PO3 terminal device 1
0 was connected online to the store combicoater 18, front end processor 20, and host computer 30, the receipt R according to the present invention may be issued using an offline system. In the offline case, the contents of the customer card C are the basic data.

Details of the keyboard 12 of the PO8 terminal device IO are shown in FIG.

As shown in Fig. 2, the keyboard 12 is divided into three parts, with an OK key 2 on the left across the central numeric key.
6 is provided. In the right column, from top to bottom, there are 31 in the journal key for sending journals, 32 in the department part number key to enter the product's department part number, 33 in the quantity key to enter the quantity of the product, and the same input content. A repeat key 34 is provided to be used when repeating , a no-discount key 35 is used to enter products to which normal discounts are not applied, such as bargain items, and a decimal point key 36 is provided to enter a decimal point. Keys 22 to 26 and K32 to 35 surrounded by large frames have built-in lamps for instructing input operations.

At the top of the central area of the keyboard 12 are an all-cancel key 41 for canceling all input contents, a line cancel key 42 for canceling one line of input contents, and an error/C key for correcting errors. 43 is provided. Also, at the bottom, there is a numeric keypad with 44 keys for inputting numerical values such as amounts.
is provided.

At the top of the right side area of the keyboard 12, 30 6×5 PLU (Price Look Up) keys 51 are provided. The PLU key 51 is a key for directly inputting the product code of a product that is frequently input, and can be assigned by each store. At the bottom, 52 is provided for the enter key, 53 is for the total key, and 54 is provided for the deposit/registration key. The total key 53 and the deposit/registration key 54 surrounded by a large frame have built-in lamps for instructing input operations.

Next to PO8'P, the operation of each mode of the PO8 terminal device according to this embodiment will be explained.

Mode) The cash mode is a mode in which products are sold for cash without using the customer card C. The operation in the cash mode is shown in the flowcharts of FIGS. 3 and 4, and a specific example of the resort R issued in the cash mode is shown in FIG.

First, register the purchased product (Step 5LO)
L).

In product registration, as shown in Figure 4, first enter the product code of the product to be purchased by pressing 44 on the numeric keypad or 51 on the PLU key.
(Step 511).

After confirming the product on the guidance panel 13, 32 is pressed on the department product number key (step 512).

Next, the quantity of the purchased product is entered on the numeric keypad using 44 (step 513). After confirming the quantity on the guidance panel 13, press 33 on the quantity key (step 514).
).

Next, the user inputs the amount of the purchased product using the numeric keypad 44 (step 515). After confirming the amount on the guidance panel 13, press 52 on the enter key (step 5
16).

Next, it is determined whether there is a discount for the product being input (step 517). If there is a discount, enter the discount amount or discount % value on the numeric keypad with 44 (step 318), and after checking on the guidance panel 13, press 24 on the discount amount key or 23 on the discount % key. step 519). If there is no discount on the product, step S18
, skips S19 and proceeds to step S20.

Next, it is determined whether or not the input of the purchased products has been completed (step 520), and the above operations are repeated until the input of the purchased products has been completed.

When the registration of the purchased product is completed, 53 is pressed on the total key (step 5102). The total purchase amount is displayed on the guidance panel 13.

Next, it is determined whether there is a discount on the entire purchase amount (step 5103). If there is a discount, enter the discount amount or discount % value on the tinkey with 44 (step 5104), and after confirming on the guidance panel 13, press 24 on the discount amount key or 23 on the discount % key. (Step 5105).

If there is no discount for the entire purchase amount, step 51
04.5105 is skipped and the process proceeds to step 8106.

Next, it is determined whether the customer has provided an exchange ticket for Boobis points (step 5106).

If offered, press 4 on the numeric keypad with the face of the point redemption ticket.
Step 5107) Guidance panel 13
After confirming n, press 25 on the exchange ticket key (step 51).
08). If no voucher is provided, step 310
7. Skip 3108 and proceed to step S]09.

Next, enter the deposit amount from the customer using the numeric keypad (step 5109), and use the guidance panel 13 to enter the deposit amount.
After W, press 53 on the deposit/registration key (step 51
1o).

When the above input is completed, the control unit 11 changes the amount of change to 7j.
1 and displayed on the guidance panel 13 (step 5ll). The salesperson prepares the displayed change amount.

Almost at the same time as the amount of change is displayed, the receipt ticket issuing device 15 is activated at the cash register.
) Issue R. Step 5112) End the series of operations in cash mode.

The details of the receipt issued in this cash mode will be explained using FIG. This receipt R includes sales information such as the name of the product sold and the quantity price.

At the top of the receipt R, a store name column RIO is arranged.

The store name column RID contains the name of the store that issued the receipt R and concluded the sales contract. In this embodiment, the name of the store, ``rM&C Store Ikebukuro Store,'' and a telephone number are listed. In addition, below the store name column R10, there is a message that says, ``Thank you for your continued support.''

Below the store name column RIO is the product/model/quantity/price column R11.
are arranged. This product name/model/quantity/price field R1
1 contains the name and model of the product being sold, as well as its quantity and price. In this example, the product name and model are "Slacks" and "Kunta", and the respective quantities and prices are "01J pieces, r4000J yen,"
01" pieces and "1000" yen.

Below the product name/model/quantity/price field R11, the total amount R12 where the total sales amount is written, the tax amount R13 where the consumption tax amount is written, and the cash price subject to the current sale are listed. Cash price column R14, deposit surface structure R where deposit money is written
15. A change surface structure R16 is arranged on which the amount of change is written. In this example, the total surface structure R12 is written as r5000J yen, and the tax surface structure R13 is 3% of 5000 yen.
150 J yen is written in the cash price column R14, which is the total amount of the total amount and the tax amount, rloooOJ yen is written in the deposit surface R15, and 5150 yen from 10,000 yen is written in the change surface R16. '4 minus yen
850J yen is listed.

These product name/model/quantity/price column R11, total surface structure R
12. Tax side structure R13, cash price column R14 is deposit side structure R
15. The change field R16 functions as a sales details column.

At the bottom of the receipt R, a receipt issuance time column R17 is arranged in which the time when the receipt R was issued, that is, the contract date is written. In this example, the time is also listed along with the year, month, and day, and the transaction is recorded as '90-03-20 15:15J' indicating that the transaction occurred at 15:15 on March 20, 1990.

Card mode and cash card mode is a mode in which products are sold for cash using the customer card C. The operation of the card cash mode is shown in the flowchart of FIG. 6.
A specific example is shown in FIG. Descriptions of the same contents as those in the cash mode shown in FIGS. 3 to 5 will be omitted or simplified.

First, a salesperson inserts the customer card C into the reader/writer 14. The reader/writer 14 reads the customer card number and cumulative points from the customer card C (step 5121).

The subsequent operations from product registration to receipt issuance (steps 8101 to 5112) are the same as in the cash mode described above.

After issuing receipt R, the cumulative point value is updated by adding points newly generated due to this sale (step 3122). If the cumulative point value exceeds a predetermined value, for example 500 points, 5 points will be deducted from the cumulative point value.
The cumulative point value is updated by subtracting 00 points, and the receipt ticket issuer 15 issues a point exchange ticket worth 500 points (step S123). After updating the cumulative points, the customer card C is ejected from the league writer 14 and returned to the customer, completing the series of operations in the card cash mode.

Details of receipt R issued in card cash mode
This will be explained using figures.

A card number field R20 in which the customer's card number is written is arranged below the change field R16. The card number is written to identify the customer who is the contracting party for the sales contract.

In this example, 'Ol-0001' is entered in the card number field R20.
-000001-I J. This card number field R20 functions as a customer field.

Below the card number column R20, there is arranged an arrangement number (transaction specific number) column R22 in which an arrangement number is written. Since this number identifies the current transaction, it also functions as a transaction identification number field. In this example, 'Ol-
It is described as 0001-000001-I J.

Below the arrangement number column R22, there is a point column R23 where points are listed according to the total amount of the current purchase, and a point column R23 that shows the cumulative amount of purchases over a predetermined period up to the time of the current purchase, including the points on the day. A cumulative point column R24 is provided in which cumulative points corresponding to the cumulative purchase amount are written. In this example, 1/100 of the purchase amount is 1 point, so for the total purchase amount of 5000 yen, 50 points are listed this time, and the updated cumulative points including these 50 points are 91 points. It is written as "point".

Card Mode Next, the operation in split mode in which credit sales are performed using customer card C will be explained. Allocation patterns for card split mode include: ■revolving payment, ■-time payment, ■standard payment, ■designated payment, ■bonus-lump payment,
There are seven types: ■Bonus combination payment, ■Two-time bonus payment, and ■Revolving type payment.This device can be applied to all of the above seven types, but other than revolving type payment is not directly related to the present invention. , other explanations will be omitted.

Next, the operation of the revolving payment mode will be explained in detail. Descriptions of the same contents as the operations in each mode shown in FIGS. 31 to 7 will be omitted or simplified.

Revolving payment method is a card splitting mode in which products are sold within a predetermined limit and payments are made using a predetermined payment method, such as paying a fixed amount every month. The operation of revolving payment is shown in the flowchart in Figure 8, and specific examples of the issued receipt R are shown in Figures 9 and 10.
As shown in the figure. In the revolving payment method, as in the cash mode, card cash mode, and monthly total-lump payment mode, an example will be explained in which one pair of slacks costing 4,000 yen and one pair of shoes costing 1,000 yen are sold.

First, the salesperson presses 12 on the credit key (step 5151) to put the PO3 terminal device 10 into card splitting mode. The allocation pattern in the card splitting mode will be selected later.

Next, the salesperson inserts the customer card C into the reader/writer 14 and reads the customer card number and cumulative points (step 5121). Since credit sales are performed in the revolving payment mode, the PO3 terminal device 10 performs the next step 81.
A credit inquiry is made at 32. The customer card number read by the reader/writer 14 is sent to the store computer 18.
The information is then sent to the front end processor 20 via a communication line, and further sent to the host computer 30, which does not require a credit check. The host computer 30 determines whether the product can be sold on credit to the customer based on the customer information recorded in the customer database 32 (step 31).
33). The determination result by the host computer 30 is sent from the store computer 18 to the PO8 terminal device 10 via the communication line from the front end processor 20,
It is displayed on the guidance panel 13 as a code.

If the host computer 30 determines that the credit sale should not be made, the customer card C is returned and the credit sale is politely declined to the customer. If a credit judgment is made that it is okay to sell on credit, a series of operations begins, starting with product registration.

First, the operations from product registration to discount entry (Step 8)
101 to 3105) are the same as the cash mode described above.

After entering the discount, an allocation pattern for card division is entered (step 3152). A numerical value of a predetermined allocation pattern is input using the numeric keypad 44. here,
Enter the numerical value [ ] indicating revolving payment and press 52 on the enter key (step 3153). In addition, in the case of a device that only performs revolving payments, step 5
151 to specify this mode, and 5152.5
153 may be omitted.

After this, enter the down payment. First, it is determined whether there is a down payment (step S] 34). If you have a down payment, enter that amount on the numeric keypad using 44 in step 31.
35) After checking on the guidance panel 13, press the enter key 52 (step 3136). If there is no down payment, steps 5135 and 8136 are skipped and the process proceeds to step 5137.

Next, the payment start date is displayed on the guidance panel 13 for confirmation. (Step 3137). The customer declares the payment date when applying for the card and records it in the customer database 3.
2 has been registered in advance. For example, if the customer declares the 30th, in the monthly total/lump sum payment mode of this embodiment, the date will be April 30th, which is the month following March, the month of purchase. After confirming the payment start date displayed on guidance panel E3, press 52 on the enter key (Step 8138)
.

Next, the down payment is displayed on the guidance panel 13 for confirmation (step 8139).

Subsequent input of service point exchange ticket (steps 8106 to 108), input and registration of deposit amount (steps 5109 and 5110), display of change amount (step 5i)
ll), updating the customer card (step 3122), and issuing a point exchange ticket (step 3123) are the same as in the card/cash mode.

However, in the card cash mode, what is issued from the receipt ticket issuing device 15 is the receipt R as a receipt, whereas in this revolving payment mode, the receipt R is issued in step 5140.
A receipt R, which also functions as a bill, is issued.

Next, an example of a receipt R issued by revolving payment method will be explained using FIG. 9.

On the receipt R of this embodiment, there are columns for recording matters necessary for sales records as well as columns for recording matters necessary for installment sales, and predetermined matters are written in each column. .

A store name column R1 is arranged at the top. In the store name column R1, the name of the store that issued the Ren-R ticket and concluded the installment sales contract is written. In this example, the store name “M&
"C Store Ikebukuro Store" along with a phone number.

Furthermore, below the store name column R1, there is written the phrase [-Every time I'm happy to do business with you-1.

Below the store name column R1, product name, model, quantity, and price columns R2 are arranged. In this product name/model/quantity/price column R2, the product name/model targeted for installment sale, its quantity, and price are listed. In this example, the product name, model,
It is described as "Slacks" and "Kutsunta", and the respective quantities and prices are "01" pieces and "4000J".
It is written as yen, "01" pieces, rloooj yen. In the case of the conventional slip method, it was necessary to handwrite the details of the products targeted for installment sales on the slip, but in this embodiment, for example, by reading the barcode attached to the product, the details of the products sold in installments can be written on the slip using the PO3 terminal 10. It can be automatically recorded on the receipt R, saving the labor of the goods salesperson. In particular, in recent years, as mentioned above, the number of types of products that are sold in installments has increased, and this embodiment has an extremely large labor-saving effect of being able to automatically enter product details without handwriting them.

Below the product name/model/quantity/price field R2, the total structure R3 where the total sales amount is written, the tax amount box R4 where the consumption tax amount is written, and the cash price subject to the current installment sale are listed. A cash price tank R5 is arranged. In this example, the total surface structure R3 shows r5000J yen, the tax amount tank R4 shows r150" yen, which is 3% of 5000 yen, and the cash price tank R5 shows the total amount of the total amount and the tax amount. '515
0J yen is written. These are also automatically calculated and recorded by the PO8 terminal 10.

These product name/model/quantity/price columns R2, total surface structure R3
, tax amount tank R4, and cash price tank R5 function as sales amount details columns.

A down payment tank R6, which is a down payment for installment sales, is arranged below the cash price tank R5. The down payment is the amount paid at the time of an installment sale transaction, and is required to be recorded due to the nature of installment sales. However, in this embodiment, although there is a down payment tank R6,
The PO8 terminal 10 automatically writes "0" yen.

This is because, if a contract is made that requires payment and receipt of cash as a down payment at the time of installment sales, the operation of the PO3 terminal 10 becomes complicated, and salespeople who are not accustomed to installment sales are likely to make mistakes.

Therefore, in this embodiment, although the down payment tank R6 required by the Installment Sales Act is provided, it is always set to 0 yen to simplify the operation of the P○S terminal 10.

Below the down payment tank R6, there are provided a card number column R7 in which the customer's card number is written and a customer name type R8 in which the customer name is written. The card number and customer name are written to identify the customer who is the subscriber to the installment sales contract. In this embodiment, “Ol-0001-000001-
It is written as IJ, and the customer name type R8 is written as "MCitarou-sama."

These card number field R7 and customer name type R8 function as customer fields.

An arrangement number (transaction specific number) column 9 in which an arrangement number is written is arranged below the customer name type R8. Since this number identifies the current transaction, it also functions as a transaction identification number column. In this example, '0001-0
It is described as 1-000001-I J.

Below the arrangement number (transaction specific number) column R9, a credit usage information RIO is arranged in which the usage amount is recorded by revolving installment sales. In this embodiment, the item is written as '5150 yen', which is the cash price of 5150 yen minus the down payment of 0 yen.

Below the credit usage surface RIO, there is a product delivery time column R11 in which the product delivery time is recorded. The timing of product delivery is when the product is delivered on the purchase date (
"Today's product Watan") and when the product is delivered later (
In some cases, it is written as "XX month x day Todoka"), and in some cases it is given later when you come to the store (it is written as "XX month xx day Leiten"). At the time of installment sales, a salesperson may operate the PO3 terminal 10 depending on the customer's selection, or the PO3 terminal 10 may be operated depending on the product.
It may be determined automatically, or products sold in installments may be limited to those that can be delivered on the purchase date and automatically marked as "Today's product".

Below the product delivery time column R11O, there is a point column R12 where points corresponding to the total purchase price of this time are listed, and a cumulative total of the purchase amount for a specified period up to the time of this purchase, including the points of the day. A cumulative point column R13 is provided in which cumulative points corresponding to the purchase amount are written. In this example, 1/100 of the purchase amount is 1 point, so for the total purchase amount of 5,000 yen, the current point "50 points" is written, and the cumulative points including this 50 points are [93 points] ” is stated.

Below the cumulative points column 13, a receipt issuance time column R14 is arranged in which the time when the receipt R was issued, that is, the contract date is written. In this example, the time is also written along with the date, indicating that the transaction was made at 15:15 on January 20, 1990 at 15:15 on January 20, 1990.
It is written as J.

As described above, according to this receipt, the requirements stipulated in the Installment Sales Law can be satisfied by writing the sales conditions necessary for revolving installment sales on the receipt and presenting the sales conditions. Therefore, the salesperson can carry out installment sales by performing very simple operations, reducing the burden on the salesperson and allowing quick revolving-type installment sales even for non-skilled workers. Furthermore, the information on receipt R is P.
○ Records can be saved as a journal in the S terminal 10, eliminating the need for complicated slip management.

Next, another example of the receipt R will be explained using FIG. 10.

Components that are the same as those shown in FIG.

This example is characterized by the provision of a limit balance tank R15, next payment date field R16, payment method field R17, credit type field R], 8 in addition to the entries in lane) R shown in Figure 9. be.

Of these, limit balance R15, next payment date column R16
, the payment method tank R17 is inserted between the credit usage surface RIO and the product delivery field R11O.

Below the credit usage surface R11, there is provided a limit balance tank R15 in which the current limit balance for revolving installment sales is recorded. In this example, 7163.850
yen" is written. The customer must use this limit balance tank R15.
You can see the remaining amount that can be purchased at the moment by looking at the description, which is convenient for making purchase plans.

Below the limit balance column R15, a next payment date column R15 in which the next payment month and day is written is arranged.

The payment date is automatically set by the host computer 30 based on the payment date specified by the customer at the time of card application, but in this embodiment, the payment date is provided to notify the customer of the next payment date. , "From February 30th" is written.

A payment method tank 17 in which payment methods are listed is arranged below the next payment month and date column R15. The payment method for reimbursement is ``Goraiten Barai'', which the customer pays when they visit the store.
, ``Ginshi Barai,'' which automatically debits customers' bank accounts, and ``Yuji Barai,'' which automatically debits customers' post office accounts. The host computer 30 inputs the payment method specified by the customer at the time of the revolving installment sales contract.
The data is sent to the O8 terminal 10 and automatically printed.

On the other hand, the credit type column R18 is provided between the arrangement number (transaction specific number) column R9 and the credit usage structure R10. This indicates the type of credit selected by the customer when credit sales other than revolving installment sales can be used with the same customer card C. In this embodiment, it is written as "revolving sale" indicating that it is a revolving installment sale. In the case of other types of credits, that fact should be stated. For example, in the case of one-time payment in the next month, it is written as "one-time payment", and in the case of one-time bonus payment, it is written as "bo-one-time payment". At this time, the month and day of the next payment may be written in the next payment month and day column R16.

As described above, according to this embodiment, one PO3 terminal device can handle not only cash sales but also revolving type installment sales. In particular, since it is possible to automatically issue receipt invoices with necessary items for revolving installment sales, compared to the traditional slip method,
To reduce the burden on a salesperson and to quickly carry out credit sales even without being an expert.

The present invention is not limited to the above-mentioned embodiments, and various modifications are possible.

For example, in the above embodiment, the present invention is applied to a PO5 terminal device that displays various guidance contents on a guidance panel, but C
The present invention may be applied to a CRT-equipped PO3 terminal device that displays various guidance contents on an RT screen. Since a lot of information can be displayed on the CRT screen, the mode can be selected by menu selection from the CRT screen, and many key manual contents can be displayed at the same time.
8 terminal device.

Further, in the above embodiment, a magnetic card is used as the customer card, but other cards such as an IC card may be used as long as the medium can read and write information.

(Effects of the Invention) As described above, according to the present invention, it is possible to reduce the burden on the salesperson and quickly conduct revolving installment sales even without being an expert.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing a PO3 terminal according to an embodiment of the present invention, FIG. 2 is a diagram showing a keyboard of the PO8 terminal, and FIGS. 3 and 4 are cash mode operations of the PO3 terminal. 5 is a flowchart showing the receipt in the cash mode, FIG. 6 is a flowchart of the operation of the PO8 terminal in the card cash mode, FIG. 7 is a diagram showing the receipt in the card cash mode, and FIG. is a flowchart of the operation of the revolving payment method in the card split mode of the same PO8 terminal device, FIG. 9 is a diagram showing an example of a receipt for the revolving method payment in the same card split mode, and FIG. 10 is a diagram showing another example of the receipt. It is a diagram. In the figure, 10...PO8 terminal device, 11...control unit, 12...
・・Keyboard, 13・・Guidance panel, 14・
...Reader/writer, 15...Receipt ticket issuer, 18.
...Store computer, 20...Front end processor, 22...Log file, 30...Host computer, 32...Customer data space, 34...
・Card Point Master 36...Credit Mask Applicant M & Thorn Stem Co., Ltd. Representative Patent Attorney Hitoshi Kawasaki Figure 5 Figure 4 Figure 6 Figure 7 Figure

Claims (4)

[Claims] (1) Card reading means for reading customer information from a customer card, data input means for inputting sales data regarding sold products and revolving installment data regarding the conditions of revolving installment sales, and data for holding other data. a holding means, a calculation means for calculating the payment amount for the installment sale based on the sales data and the installment data inputted by the data input means, and a receipt means for issuing a receipt; Based on the data from the card reading means, the data from the data input means, the data from the data holding means, and the data from the calculation means, at least the name of the store issuing the receipt, the time of issuing the receipt, and the current revolving method. The product name, price, and total amount of each product sold in installments, the down payment for revolving installment sales, customer data, the number that identifies the current revolving installment sales transaction, and the delivery date of the product. A revolving type installment sales management device is characterized in that the revolving type installment sales management device is configured to issue a ticket after printing the following on a receipt paper. (2) The revolving installment sales management device according to claim 1, wherein the receipt issuing means further prints a current limit balance for revolving installment sales on the receipt paper. (3) The revolving type installment sales management device according to claim 1, wherein the customer card is a magnetic card. (4) The revolving type installment sales management device according to claim 1, wherein the customer card is an IC card.