JPH0282392A - credit processing equipment - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a credit processing device used in credit transactions that allows payment for sold products up to an allowable amount set for each customer.

[Prior Art] For example, a credit processing device that allows customers to pay for sold products up to a permissible amount set for each customer using a credit card is generally a sales registration device that is installed in a store and registers and processes sales data for each product. It consists of a credit card terminal that also serves as a credit card terminal, and a card issuer's host computer that is connected online. When a credit card payment is made for a product registered for sale at the credit terminal, a card reader reads card information such as a card issuing company code and membership number magnetically recorded on the credit card brought by the customer.

At the same time, the PIN number entered by the customer is read from the keypad.

Then, when the credit card payment amount specified by the customer is input and the send key is operated, the above card information and PIN number are sent.

The credit payment amount is sent as credit transaction data to the host computer of the card issuing company.

The host computer of each card issuer stores customer data such as the membership number of each customer who has signed a contract, the permissible amount set for each customer using a PIN number, and the permissible balance obtained by subtracting the amount already spent from this permissible amount. customer data file is connected. When credit transaction data is received from the credit terminal, the customer data file is searched, and if it is confirmed that the PIN numbers match and that the credit payment amount does not exceed the allowable balance, a sales authorization response is sent to the credit terminal. Reply to

The credit terminal machine that receives the sales authorization response from the host computer prints out the card information and credit payment amount included in this response message on a card slip dedicated to credit car F or a receipt on which the registration result of the sales product is printed. do.

[Problems to be Solved by the Invention] However, the conventional credit processing device configured as described above also has the following problems. That is,
The card slip or receipt handed to a customer who paid with a credit card had at least the card information and credit payment amount printed on it, but not the customer's current allowed balance data. For this reason, the customer cannot know his or her current allowable balance immediately after paying by credit card, and therefore always feels uncertain whether he or she will be able to make the next purchase.

Therefore, the present invention is capable of immediately informing the customer of the current allowable balance after the completion of a credit transaction that enables credit sales within the allowable amount range preset for each customer, thereby improving serviceability. The aim is to provide a credit processing device that will earn you money.

[Means for Solving the Problems] The present invention has a customer data file that stores at least allowable balance data corresponding to a customer's membership number, and registers and processes input sales data of sales products in a memory. print it on the receipt, obtain the membership number and the credit transaction amount for the sold product in accordance with the closing operation of the credit transaction, read the allowable balance data corresponding to the membership number from the customer data file, and compare it with the credit transaction amount; In a credit processing device that approves a credit transaction and issues a receipt when the credit transaction amount is less than or equal to the allowable balance, a calculation means that calculates a new allowable balance by subtracting the credit transaction amount from the allowable balance when the credit transaction is approved; and an allowable balance printing control means for printing new allowable balance data calculated by the means on a receipt.

Further, the new allowable balance data calculated by the calculation means is displayed on the display unit in response to the operation of a specific key.

[Function] If the credit processing device takes such measures,
When a credit transaction is established, the credit payment amount is subtracted from the customer's permissible balance data to calculate new permissible balance data, and this new permissible balance data is automatically printed out on a receipt.

Therefore, the customer can check his/her current allowable balance by looking at the handed receipt.

Further, when a specific key is operated after a credit transaction is established, the new balance data of the customer is displayed on the display section.

Therefore, the customer can confirm his/her current allowable balance by making a request to the store clerk.

[Example] Hereinafter, an example of the present invention will be described with reference to the drawings.

FIG. 1 is a diagram schematically showing the entire credit processing device of the same embodiment. In the figure, reference numeral 1 denotes a credit terminal installed in each store, which includes an electronic cash register 2 serving as the main body of the terminal, a transmission control device 3 consisting of a modulation demodulator (MODEM) and a network control unit (NCU), and a credit terminal. A card reader 4 for reading card information such as a card issuer code and membership number magnetically recorded on the card, and a keypad 5 for a customer to input a personal identification number are connected.

The credit terminal 1 is connected online to a host computer 8 of each credit card issuing company via a telephone line 6, a telephone exchange network 7 in a telephone office, and a telephone line 6. The host computer 8 of each card issuing company is provided with a customer pig file for storing data on each customer to which the company issued the credit I card. This customer data file 9 includes the customer's PIN number corresponding to the membership number magnetically recorded on the credit card held by the customer;
The allowable amount and allowable balance are memorized.

FIG. 2 is a block diagram showing the configuration of the credit terminal 1. As shown in FIG. The electronic cash register 2 as the main body of the terminal includes a CPU equipped with an arithmetic circuit, a memory control circuit, etc.
(Central processing unit), this CPUI 1, ROMI that stores fixed data such as programs to control each part
2. A RAM 13 that includes a sales registration file for registering and processing sales data of each sales product, a totalizer, and various other memories such as a sending buffer and a receiving buffer; a card into which the card information read by the card reader 4 is input; Reader input circuit 14, for example 4 from the keypad 5
It has a built-in keypad input circuit 15 into which a digit password is input. In addition, a keyboard 16 for inputting sales data etc. of each sales product, a keyboard input circuit for inputting key signals from this keyboard 16] 7, a display section 18 for displaying sales data inputted manually, and this display. It has a display control circuit 19 for driving and controlling the section 18, a printer 20 for printing on receipts and journals, and a plink control circuit 21 for driving and controlling this printer 20. Then, the ROM12. RAM13. Card reader input circuit 14, keypad input circuit 15. Keyboard input circuit 171 display control circuit]9. [printer control circuit 2] and the transmission control device 3 are connected to the pass line 22.
It has a configuration in which it is connected to the CPUI 1 via.

As shown in FIG. 3, the keyboard 16 includes a number key 31 for entering the sales amount, number of sales items, etc. of each sales product, a department key 32 for entering the department to which each sales product belongs, A subtotal key 33, a deposit/cash total key 34 that instructs the closing of sales registration by cash transaction, a credit key 35 which instructs the closing of sales registration by credit transaction using a credit card, and the payment amount at the time of credit transaction, so-called credit transaction amount. There are various keys such as a payment key 36 for inputting credit transaction data, a transmission key 37 for commanding the transmission of credit transaction data, and a balance display key 38 as a specific key for displaying the customer's current allowable balance on the display section 18. It is arranged. In addition, a control key 39 is also located on the keyboard 16 as a control switch that controls power on and off, selects various business modes such as "registration,""accounting," and "setting," and notifies the CPU of the execution. It is set in.

The CPU II is controlled by a program in the ROM 12 to execute the credit card sales registration process according to the flowchart shown in FIG. First, in ST (step) 1, press number key 3 on the keyboard 16.
11 The department code of one sales product can be entered by key operation such as the department key 32.

When product sales data such as the number of sales items and sales amount are input, registration processing for the sales product is executed. That is, the sales data of the sold products are cumulatively registered in the sales registration file in the RAM 13 for each department code, and the sales amount is added to the totalizer. In addition, the department code and sales amount, which are the sales registration results, are displayed on the display section 18, and
The printer 20 prints out the receipt and journal.

If no product sales data is entered in the STI, and the credit key 35 on the keyboard [6] is operated in ST2, the registration of all products sold to - customers is completed, and the customer or credit card is credited. Since he wishes to make a transaction, he displays the total amount in the totalizer in the RAM 13 on the display section 18, prints it out on the receipt and journal using the printer 20, and also prints out the card information of the credit card set in the card reader 4. read Next, in ST3, wait for the PIN number to be entered from the keypad 5, and once the PIN number is entered, wait for the credit transaction amount to be entered for the total amount using the payment key 36 of the keyboard 16 in ST4. . Note that if only the payment key 36 is operated, the entire total amount will be the credit transaction amount, and if the payment key 36 is operated after the number has been set using the number key 31, the number set will be limited to less than the total amount. Set the number data as the credit transaction amount. Then, when the credit transaction amount is input in ST4 and the transmission key 37 of the keyboard 16 is input in ST5, the card information read by the card reader 4, the PIN code input from the keypad 5, and the keyboard 16 are input in ST6. A makeshift message of credit transaction data is edited from the credit transaction amount manually inputted from the key, and is sent to the host computer 8 of the corresponding card issuing company.

Here, the host computer 8 of the card issuing company that has received the credit transaction data arrangement message from the credit terminal 1 executes the process shown in FIG.

That is, the customer data file 9 is searched using the member number in the credit transaction data that has been delayed, and whether the PIN number corresponding to the member number in file 9 matches the PIN number in the credit transaction data. Determine whether or not. If they do not match, the transaction failure response message is edited and sent back to the credit terminal 1 that made the inquiry. If both PIN numbers match, customer data file 9
Read the allowable balance data corresponding to the member number from
An operation is performed to subtract the credit transaction amount in the credit transaction data from this allowable balance. If the new allowable balance calculated by this calculation is greater than or equal to zero,
The new permissible balance data calculated together with the card information, credit transaction amount, etc. in the temporary message is incorporated into a permission response message indicating sales permission, and the message is sent back to the credit terminal 1 that made the inquiry. Further, the file 9 is updated with this new allowable balance as the allowable balance of the customer. In addition,
If the new allowable balance is negative, the transaction is not possible, so a non-response message is sent back to the credit terminal 1 that made the inquiry.

Returning to Figure 4. After inquiring about credit transaction data in ST6, when a response message for the arrangement is received from the card issuing company's post computer 8 in ST7, if the response message is an approval response message in ST9, , the card information and the credit transaction amount included in the message are printed on the receipt and journal by the printer 20. Further, as 5TIO, the new allowable balance data also included in the response message is printed out on the receipt and journal. Thereafter, a Lombrecito process is performed in which the receipt is cut and ejected from the receipt issuing port, a receipt is issued, and the credit card sales registration process for one customer is completed.

Incidentally, if the response message received from the host computer 8 at Sr9 is non-responsive, the transaction is disabled is displayed on the display unit 18 and the process ends.

On the other hand, there is no product sales data input in STI, and
With no input of credit key 35 at r1, S
Balance display key 38 on the keyboard 16 as T i,]
When this is input, it is confirmed that there has been a permission response for the credit transaction from the host computer 8 of the card issuing company, and then the new allowable balance data in the permission response message is displayed on the display section 18 and the process ends.

In this embodiment configured as described above, the cashier who operates the credit terminal 1 uses the keyboard 16 to input the sales data of each product sold to one customer one by one. Then, as shown in FIG. 6, the department code 41 and sales amount 4 are registered in the customer receipt 40.
2 is printed out. When the customer requests a credit transaction using a credit card, the cashier first operates the credit key 35. Then,
The total amount 43 is printed out on the receipt 40.

Next, the cashier places the credit card brought by the customer into the card reader 4, has the card information read, has the customer input the PIN number using the keypad 5, and then enters the payment amount with the card that the customer desires. The credit transaction amount is input from the keyboard 16. and,
Operate the transmission key 37. Then, card information, credit transaction amount, etc. are transmitted as credit transaction data to the host computer 8 of the card issuing company.

The host computer 8 that receives this credit transaction data determines the reliability and validity of the credit transaction based on the customer data stored in the customer data file 9. That is, it is determined whether the password corresponding to the membership number of the credit card matches the password input from the key bat '5, and whether the credit transaction amount is within the allowable balance of the customer with the membership number.

Then, when it is determined that the PIN numbers match and that the credit transaction amount is within the allowable balance, a calculation is performed to calculate a new allowable balance by subtracting the amount several times from the allowable balance. , the new allowable balance data calculated by this calculation is the customer's card information,
It is incorporated into a permission response such as the credit transaction amount and transmitted to the credit terminal 1.

When the credit terminal 1 receives such a permission response, the card information (membership number) contained in the response message is recorded on the receipt 40.
44. Credit transaction amount data (payment amount) 45 and new allowable balance data (allowable balance) 46 are automatically printed out in sequence.

This receipt 40 is then issued and handed to the customer.

Further, when the customer requests confirmation of his or her current allowable balance while receiving a response from the host computer 8 to approve the credit transaction, the cashier operates the balance display key 38 on the keyboard 16. Then, as shown in FIG. 7, the customer's new allowable balance data included in the response message is displayed on the display section 18.

In this way, with the credit processing device of this embodiment,
Whenever a card transaction that permits credit sales within the allowable amount range set for each customer occurs, the current allowable balance is calculated and the allowable balance data for each customer in the customer data file 9 is updated. At the same time, the calculated new allowable balance is automatically printed out on the register 1/40 issued to the customer. Therefore, customers can immediately check their current allowable balance by looking at the receipt they have received, eliminating the risk of feeling anxious when trying to make their next purchase using a similar card transaction, and improving service quality. It will be excellent.

In addition, by operating the balance display key 38, the current allowable balance of the customer who has made the card transaction can be displayed on the display section 1.
8 is displayed and output. Therefore, even if there is a request from a customer to confirm his/her current allowable balance, it can be dealt with promptly.

] 8 In the above embodiment, the means for outputting the new allowable balance includes both a means for automatically printing it out on a receipt and a means for displaying it on the display unit in response to the key operation of the balance display key 38. Although an example is shown in which a device is provided with the means, the same effect as the present invention can be obtained even if the device is provided with only one of the means.

Further, in the above embodiment, a credit transaction using a credit card was exemplified, but a credit transaction in which a credit company code, membership number, etc. are entered manually from the keyboard 16 may also be used. Further, in the above embodiment, a case was shown in which the new allowable balance data is printed out on the receipt along with the membership number, credit transaction amount, etc., but a slip issuing machine is connected to the credit terminal 1 and these printed data are output as a predetermined credit card. It may be printed on the slip. Furthermore, the present invention can also be applied even if the credit terminal 1 has a built-in customer data file 9 and does not perform reliability and validity determination based on coordination with a higher level. It goes without saying that various other modifications can be made without departing from the spirit of the invention.

[Effects of the Invention] As detailed above, according to the present invention, the current allowable balance is printed after a credit transaction is completed that allows credit sales within the allowable amount range preset for each customer. Alternatively, it is possible to provide a credit processing device that can immediately notify customers through display and improve service quality.

[Brief explanation of the drawing]

The figures are diagrams showing an embodiment of the present invention, in which Fig. 1 is a schematic diagram showing the structure of the entire credit processing device, Fig. 2 is a block diagram showing the structure of the credit terminal, and Fig. 3 is a block diagram showing the structure of the credit terminal. Fig. 4 is a flowchart showing the CPU processing for credit transactions in the credit terminal machine; Fig. 5 is a flowchart showing the processing for credit transaction coordination in the host computer of the card issuer; Fig. 6 7 is a diagram showing an example of issuing a receipt, and FIG. 7 is a diagram showing an example of displaying the allowable balance on the display unit. DESCRIPTION OF SYMBOLS 1...Credit terminal machine, 2...Electronic cash register, 3...Transmission control device, 4...Card reader, 5...Keypad, 8...Host computer, 9...Customer Data file, 18...Display section, 2
0...Printer, 35...Credit key 36.
...Payment key 37...Send key 38...Balance display key (specific key). Applicant's agent Patent attorney Takehiko Suzue

Claims (2)

[Claims] (1) Have a customer data file that stores at least allowable balance data corresponding to the customer's membership number, register and process input sales data of sales products in memory, print on receipts, and close credit transactions. Obtain the membership number and the credit transaction amount for the sales product according to the operation, read the allowable balance data corresponding to the member number from the customer data file, compare it with the credit transaction amount, and determine if the credit transaction amount is less than the allowable balance. In a credit processing device that approves a credit transaction and issues the receipt, a calculation means calculates a new allowable balance by subtracting the credit transaction amount from the allowable balance when the credit transaction is approved; A credit processing device comprising: an allowable balance printing control means for printing allowable balance data on the receipt. (2) It has a customer data file that stores at least allowable balance data corresponding to the customer's membership number, and registers the input sales data of sales products in the memory, prints it on the receipt, and displays it on the display unit. , further obtains the membership number and the credit transaction amount for the sales product in accordance with the credit transaction closing operation, reads the allowable balance data corresponding to the membership number from the customer data file, compares it with the credit transaction amount, and completes the credit transaction. In the credit processing device that approves the credit transaction and issues the receipt when the amount is less than the allowable balance, a calculation means that calculates a new allowable balance by subtracting the credit transaction amount from the allowable balance when the credit transaction is approved; A credit processing device comprising: an allowable balance display control means for displaying and outputting new allowable balance data calculated by the means on the display unit in response to an operation of a specific key.