JPH10124592A - Transaction processing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To purchase desired merchandise anytime even when a value medium such as cash or a gift certificate is absent by detecting whether or not deposit reaches the expiration of the deposit period, and permitting the purchase of the merchandise by using the deposit in the case of the expiration. SOLUTION: The deposit of a member is kept in the set account of a customer at a prescribed bank, and stored in a customer account file 13. The deposit is transferred from the customer account file 13 to a store account file 14, and the deposit is stored in a customer file 12 of the store. Then, whether or not the member has the deposit beyond the expiration is detected according to the presentation of a member's card 10, and when the deposit reaches the expiration, a transaction permitting means permits the purchase of the merchandise by using the deposit. Therefore, even when the member does not have a value medium such as cash or a gift certificate at that time, the member can immediately purchase the merchandise. Thus, a valid purchase service can be applied to the customer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention can be used for a POS system, for example, for a specific customer (for example,
A transaction processing system that provides a discount service for goods and services to members).

[0002]

2. Description of the Related Art Conventionally, in a store or the like, there is a system for providing a service such as a discount of goods or preferential treatment to a recruited member, but this member system has the following operation. In other words, a member who has joined becomes eligible for a certain period of time for a certain period. When the reserve period expires, the service amount of the store is added to the reserve amount and returned to the customer as a prepaid or gift certificate.

However, such a member system has the following problems. That is, after returning the accumulated amount to a value medium such as a gift certificate or a prepaid card, since the purchase history of the customer (member) cannot be taken, subsequent services to the member cannot be performed, and the above-mentioned value medium cannot be used. In the event of loss or theft, the amount cannot be compensated.

[0004] Furthermore, if there is no value medium such as cash, gift certificate or prepaid card, even if there is a desired product, it cannot be purchased when desired.

[0005]

SUMMARY OF THE INVENTION According to the present invention, it is possible to obtain a purchase history of a product even after returning a member's reserve amount, and even if there is no value medium such as cash or a product. The purpose of the present invention is to provide a transaction processing system in which the desired value can be purchased when desired and the use value is enhanced.

[0006]

According to a first aspect of the present invention, there is provided a transaction processing system for performing a transaction with a customer who purchases a product by using a membership card, wherein a value accumulated every predetermined period is provided. A house means for storing the amount of the reserve, a detecting means for detecting whether the reserve period has expired, and a transaction permitting means for permitting the purchase of the product using the reserve amount when the reserve expires. Transaction processing system.

According to a second aspect of the present invention, there is provided a transaction processing system in which the member card and the payment card are integrated with the configuration of the first aspect.

According to a third aspect of the present invention, there is provided a transaction processing system having a printing means for printing a reserve balance on a receipt at the time of a transaction, in addition to the configuration of the first aspect of the present invention. Features.

According to a fourth aspect of the present invention, in addition to the configuration of the second aspect of the present invention, a symbol for identifying a customer is stored on a medium storing a value corresponding to a reserve after expiration. And a transaction processing system provided with an issuing means for issuing the transaction.

According to a fifth aspect of the present invention, there is provided a transaction processing apparatus system having means for adding store information to a usage statement in addition to the configuration of one of the first to fourth aspects of the present invention. It is characterized by the following.

According to a sixth aspect of the present invention, in addition to the configuration of the first aspect of the present invention, there is provided a transaction processing system comprising means for inquiring the balance of the reserve amount.

[0012]

According to the first aspect of the present invention, by presenting a membership card, the detection means detects whether or not there is a reserve amount for which the member has expired in the memory of the storage means. , If there is a fund that has expired, the member (customer) will use the fund
Even if the customer does not have a value medium such as cash or a gift certificate at the time, the customer can immediately purchase the product, and can give an effective purchase service to the customer.

Since no gift certificate or other return medium is issued to the member, there is no risk of the return medium being lost or stolen.

[0014] By recording the use of the reserve amount by the member card, the purchase history of the member can be grasped, the trend thereof can be grasped, and the subsequent service such as sending a pamphlet based on the trend can be activated.

According to the invention described in claim 2 of the present invention,
If the reserve amount is insufficient at the time of product purchase, the member (customer) possesses a value medium such as cash or gift certificate by using a credit card, a prepaid card or other payment card as a member card. Even without this, the desired product can be immediately purchased with the membership card, and an effective purchase service can be provided to the customer.

According to the third aspect of the present invention,
By recording the reserve balance on the receipt issued at the time of the transaction, customers can grasp the reserve balance on the spot,
Customers can be offered a balance inquiry service, such as planning the next product purchase.

According to the invention described in claim 4 of the present invention,
By storing a code for identifying a customer in a medium storing a value corresponding to the reserve amount, for example, a gift certificate, even if the gift certificate (reduction medium, value medium) is used, a purchase history is obtained from the identification code. Can take. Even if the gift certificate is lost or stolen, the member's reserve amount can be protected and compensated by taking measures such as prohibiting use based on the identification code.

According to the invention described in claim 5 of the present invention,
When issuing a usage statement to a member based on grasping the purchase history of the member, the store information such as a pamphlet can be sent together, thereby leading to sales promotion.

According to the invention described in claim 6 of the present invention,
Customers (members) can use their membership card for balance inquiry.
Can always know the balance of the reserve amount, and can use the reserve amount effectively.

[0020]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below in detail with reference to the drawings. The drawing shows a transaction processing system in a store. In the system configuration diagram of FIG. 1, the system is a transaction processing machine 11 installed in a store to execute transaction processing with a customer (member) via a membership card 10, File, a customer account file 13 and a store account file 14 set in a predetermined bank, and a personal computer 15 connected to a member identification code (member number, customer ID).
A gift certificate issuing machine 16 for issuing a gift certificate recording D);
An inquiry terminal 17 is provided for inquiring the reserve balance by providing the member card 10.

A member who subscribes to this system is issued a member card 10 to which a member number and a customer ID (member identification code) are assigned, and the card is a credit company to which the member subscribes or this store. Is given a credit number of a credit company managed by the company, and the credit card function is integrated with the member card 10 and issued. The credit number may be recorded on the member card 10 or may be stored in the customer file 12 together with the member number and the customer ID.

Further, the member accumulates a certain amount of money every month (for a certain period) in a store for a certain period (a set saving period).
The above-mentioned member's funding is performed in a customer account of a predetermined bank set and stored in the customer account file 13. Then, the reserve is transferred from the customer account file 13 to the store account file 14, and the reserve amount is stored in the customer file 1 of the store.
2 is stored.

The above-mentioned customer file 12 includes, in addition to information on the amount of reserve, expiration date of reserve, and information on the credit number according to the setting, corresponding to the member number and customer ID (member identification code) of the customer. The information of the purchase history and the balance as shown in FIG. 2 is stored.

FIG. 3 shows a system block of the transaction processing system.
A ROM 21 storing a program for executing a control operation of the CPU 20, and a RAM storing control data
22, a card reader 23 for reading and writing card data recorded on the membership card 10, an input unit 24 such as a keyboard or a touch panel for inputting necessary data such as a product section and a product price when purchasing a product, A display 25 for displaying important data, a receipt issuing machine 26 for issuing a receipt, and a communication unit 27 for communicating with the customer file 12 are provided.

As shown in FIG. 4, the receipt issuing machine 26 prints, when a member purchases a product, necessary information such as a purchase amount and a reserve amount in accordance with the member number. Issue 28.

The customer file 12 contains the customer information described above,
That is, a storage unit 31 for storing information such as a customer's member number and customer ID (member identification code), reserve amount, expiration date of reserve, credit number by setting, purchase history, balance, and the like;
A communication unit 32 for communicating with the above-described transaction processing machine 11 and the above-described customer account file 13 and store account file 14 set in a bank is provided. The customer account file 13 and the store account file 14 set on the bank side also include a communication unit 33 for communicating with the customer file 12.

In the transaction processing system configured as described above, a member who subscribes to this system records a member number and a customer ID (member identification code), and a member card (such as a magnetic card or IC card) integrated with a credit card function. Card, etc.) 10 and awarded, and the member pays a fixed amount every month (predetermined period) for a certain period (set-up period)
Store in stores.

The above-mentioned reserve is made in the account of the customer of the bank and stored in the customer account file 13, and the reserve amount is further stored in the customer account file 13 from the store account file 14.
And stored in the customer file 12 of the store. Then, when the member's funding reaches the maturity date, it becomes possible to purchase a product based on the funding amount.

FIG. 5 shows a transaction processing operation of the transaction processing machine 11 when purchasing a product with a reserve amount using the member card 10. When the customer performs the settlement of the purchase of the product, the member card 10 is presented. It is determined that the customer is a member, and when the member card 10 is not presented, it is determined that the customer is a normal customer (step n1). When the customer is a regular customer, the commodity price is executed by regular registration at a regular price without discount (step n).
2) Execute payment using cash or other payment medium provided by the customer (step n3).

When the customer presents the member card 10, the card data is read through the card reader 23 and the card data is read. When it is determined that the member is a member, the price of the purchased product is registered at a discount price for the member (member number). Is stored as a purchase history in the customer file 12 corresponding to step n.
4).

Based on the card data of the member card 10 described above, it is determined whether or not the reserve has expired (step n).
5) Whether there is a reserve that can be settled (step n)
6) If these are determined, and if both are YES, it is determined whether or not the payment is with the reserve amount (step n7), and it is determined based on the input of the input unit 24 that the payment is with the reserve amount. Then, the price of the purchased product is settled from the reserve amount and the balance is updated (the balance is updated by storing it in the customer file 12 corresponding to the member number. Step n8).

The above steps n5, n6, n7
When the determination is NO, the process proceeds to step n3.
Make payments with cash or other payment media.

It is determined whether there is a shortage in the reserve in the settlement in step n8 described above (step n9). If settlement is possible within the reserve, the settlement process is terminated. In step n10, it is determined whether or not the shortfall is to be settled with a credit (step n10). When authentication of credit settlement is input from the input unit 24, this is determined, and a credit number is input. Or membership card 1
The credit settlement process is executed by reading the credit number in the card data of No. 0 or by reading the credit number based on the member number in the customer file 12 (step n11). Payment is performed (step n12).

When the settlement processing is completed, a receipt is issued by the receipt issuing machine 26.
When the settlement is made with the reserve amount at step 8, the reserve balance is printed and issued on the receipt as shown in FIG. The customer file 12 stores a purchase history as shown in FIG.

According to the above embodiment, the customer file 12
Can record the customer's purchase history. By knowing this purchase history, the customer's purchase trend can be grasped, and based on this, a purchase statement can be sent every month. A pamphlet can be added to (enclosed with) the booklet, and the pamphlet can be linked to the trend of purchase, thereby leading to sales promotion.

Further, since no gift certificate has been issued, there is no fear of loss or theft, and since the credit card is integrated, the purchase of the product can be performed even if there is no payment medium such as cash or gift certificate. The customer can be given an effective purchase service.

Further, since the receipt 28 on which the reserve balance is printed is issued to the customer, the customer can grasp the reserve balance on the spot and make a plan for purchasing the next product. Service.

When the customer wants to know the balance of the reserve amount other than the purchase of the product, the member card 10 is provided to the inquiry terminal 17 so that the display on the display of the inquiry terminal 17 can be performed.
Alternatively, the remaining amount can be ascertained by printing out.

In the above-described embodiment, the membership card 10 is used. As another example, a gift certificate (return medium) can be used to return the reserve amount. That is, a gift certificate is issued by the gift certificate issuing machine 16 in the full amount or the necessary amount of the reserve amount, and at the same time, the gift certificate has a member identification code (member number,
(Customer ID) (magnetic record, print record, etc.).

In this case, when the gift certificate is used, the member's purchase history can be obtained by reading the member's identification code, and an effect equivalent to that of the member card 10 of the above-described embodiment can be obtained. .

In the case of this gift certificate, if it is lost or stolen, the use of the gift certificate can be prohibited by the member's identification code recorded on the gift certificate, thereby preventing damages to customers and preventing compensation. It can be performed.

In the correspondence between the configuration of the present invention and the above-mentioned embodiment, the storage means of the present invention corresponds to the customer file 12 of the embodiment, and similarly, the detecting means comprises step n
5, the transaction permitting means corresponds to the CPU 20 having the processing function of step n7, the payment card corresponds to the credit card function,
The printing means corresponds to the receipt issuing machine 26, the medium corresponds to a gift certificate, the medium issuing means corresponds to the gift certificate issuing machine 16, the means for adding store information corresponds to a pamphlet to be sent, The means for inquiring the balance corresponds to the inquiry terminal 17, but the present invention is not limited to only the configuration of the embodiment.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a transaction processing system.

FIG. 2 is an explanatory diagram of a history storage unit of a customer file.

FIG. 3 is a system block diagram of a transaction processing system.

FIG. 4 is an explanatory view of a receipt.

FIG. 5 is an operation flowchart of a transaction process.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 ... Member card 11 ... Transaction processing machine 12 ... Customer file 16 ... Gift certificate issuing machine 17 ... Inquiry terminal 26 ... Receipt issuing machine

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Toru Kurumo Omron Co., Ltd. 10 Hanazono Todocho, Ukyo-ku, Kyoto-shi, Kyoto

Claims (6)

[Claims] 1. A transaction processing system for conducting a transaction with a customer who purchases a product by using a membership card, comprising: a storage means for storing a reserve amount of a value accumulated every predetermined period; A transaction processing system comprising: a detecting means for detecting whether or not a transaction has been reached; and a transaction permitting means for permitting purchase of a product by using a reserve amount when the maturity has expired. 2. The transaction processing system according to claim 1, wherein said member card and payment card are integrated. 3. The transaction processing system according to claim 1, further comprising printing means for printing a reserve balance on a receipt at the time of a transaction. 4. A transaction according to claim 2, further comprising issuing means for issuing, after expiration, a medium storing a value corresponding to the reserve amount with a symbol for identifying the customer. Processing system. 5. The transaction processing system according to claim 1, further comprising means for adding store information to the usage statement. 6. The transaction processing system according to claim 1, further comprising means for inquiring the balance of said reserve amount.