JPH0240794A - credit terminal device - 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 terminal device for processing payment for sold products by credit.

[Prior Art] Generally, this type of credit terminal device is connected online via a telephone line to an external host computer of a card issuing company. When payment by credit card occurs, the card reader reads card information such as the card issuer code and membership number magnetically recorded on the credit card brought by the customer. In addition, when the operator uses the keyboard to enter credit transaction information such as the credit payment amount and payment method specified by the customer, and then operates the send key, the above card information and credit transaction information will be transferred to the corresponding card connected online. Sent to the issuing company's host computer. Then, this host computer performs a reliability check on the credit card, and when a transaction approval response message indicating transaction permission is returned, a predetermined transaction is performed based on the above-mentioned card information and credit transaction information included in this message. It is designed to print out credit slips.

By the way, the payment method by credit card is a one-time payment in which the payment amount is paid in a lump sum at a later date.

In addition to installment payments where the payment amount is divided and paid in a timely manner, and fixed amount payments where the payment amount is divided into fixed amounts and paid monthly, etc.
A set time of year for workers (usually summer [
Bonus paid twice a year (around June] and winter [around December]) A lump sum payment with a specified payment period (one-time bonus payment) or an installment payment with a specified payment period (bonus installment payment) There is. Terms of use are set for each payment method for each credit company. For example, in the case of bonus payments, the handling period and the minimum amount of credit usage are determined, and unless these conditions are met, the transaction will not be possible. Therefore, when a customer requests a bonus payment for a credit transaction, the operator enters the payment amount using the keys on the keyboard, declares that it is a bonus payment, and also enters the number of bonus payments, payment timing, etc. After that, operate the send key. Then, the host computer of each card issuer checks the reliability of the card and determines whether the bonus payment conditions are satisfied, and if all conditions are satisfied, a transaction approval response message is sent back.

[Problems to be Solved by the Invention] However, this type of conventional credit terminal device also has the following problems. In other words, when a bonus payment occurs, although the payment period is generally standardized to summer and winter, not only the payment amount and payment method must be determined manually, but also the number of payments and payment period must be determined manually. It required manual labor, was complicated to operate, placed a heavy burden on the operator, and was prone to input errors.

Therefore, the present invention can improve operability by simplifying key operations for lump-sum payments or installment payments with standardized payment periods, such as bonus payments, etc., thereby reducing the burden on the operator and eliminating input errors. The purpose is to provide a credit terminal device that can suppress the occurrence of such problems as much as possible.

[Means for Solving the Problems] The present invention transmits credit card information read by a card reader and credit transaction information such as input credit payment amount, payment method, and payment time to an external party via a transmission line. In a credit terminal device that sends a credit slip to a host system and prints out a credit slip in response to a transaction approval response from the host system, input a payment method to input a lump sum payment with a specified payment period or an installment payment with a specified payment period as the payment method for the credit payment amount. A key, a payment timing storage unit that stores the payment timing for a lump sum payment with a specified payment period or an installment payment with a specified payment period, corresponding to the handling period of the applicable payment method, a clock circuit that measures the current month and day, and a payment method input. When a lump-sum payment with a specified payment period or an installment payment with a specified payment period is entered using the key, the payment period corresponding to the handling period of the applicable payment method that includes the current month and day of the clock circuit is determined based on the contents of the payment period storage section. It is equipped with a timing determination means.

Further, it is preferable to provide a payment time display means for displaying and outputting display data indicating the payment time determined by the payment time determination means.

[Operation] If the credit terminal device takes such measures,
When the card information of the credit card is read by the card league and the credit payment amount is input, and furthermore, when the payment method is inputted as a payment method such as lump sum payment or installment payment, the information is stored in the payment period storage section. Among the payment times for the corresponding payment method, the payment time corresponding to the handling period that includes the current month and day of the clock circuit is selected and determined.

Then, the card information, payment amount, payment method, payment timing, and other credit transaction information are sent to an external host system via a transmission line, and when there is a transaction approval response, a credit slip is created based on the card information and credit transaction information. is printed out.

By providing a payment time display means, it becomes possible to display and output display data indicating the determined payment time.

[Embodiment] Hereinafter, an embodiment will be described in which the credit terminal device of the present invention is also used as an electronic cash register for registering the number of sales items and sales amount of each sales product in a memory.

FIG. 1 is a diagram schematically showing the outline of the device of this embodiment, in which a credit terminal device 1 includes a credit card issuer which is magnetically recorded on a credit card in an electronic cash register main body (hereinafter abbreviated as ECR main body) 2. Card reader 3 that reads card information such as company code and membership number, CAT that prints on credit slips set for each card issuing company
(Credit φ Authorization Terminal) Printer 4, modulation demodulator (MODEM) and network control device (
The transmission control circuit 5 is configured by connecting the transmission control circuit 5 consisting of the transmission control circuit 5.NCU). Telephone line 6゜ Telephone exchange network within the telephone office 7. It is connected online via a telephone line 6 to host computers 8A and 8B of each credit issuing company.

FIG. 2 is a block diagram showing the configuration of the ECR main body. The CPU (Central Processing Unit) 11 has a built-in arithmetic circuit, memory control circuit, etc., and executes various arithmetic processing based on input data, as well as a ROM 12 that stores fixed data such as programs, input data, arithmetic processing data, etc. It is connected via an address path line 14 to a RAM 13 that stores variable data such as. It also includes a clock circuit 15 for measuring the current date and time, and a keyboard 1 for inputting product sales data, credit transaction information, etc.
Keyboard input circuit 1 inputting and processing key signals from 6
7. A card reader interface 18 for receiving card information read by the card reader 3, a display control circuit 20 for driving and controlling a display 19 for displaying product sales data entered manually, and a display control circuit 20 for displaying receipts and journals. A printer control circuit 22 that drives and controls the RJ printer for printing, and a printer interface 23 that sends print data and various commands to the CAT printer 4.
, a mode switch 24 for selecting various business modes as an electronic cash register such as ``registration'', ``settlement'', ``setting'', etc., and credit slip data are transferred to a CAT printer 4.
Print on credit slip using RJ printer 21
The I10 port 26 inputs a signal from the print destination designation switch 25 which selects whether to print on the receipt, and the transmission control circuit 5 connects to the CP
Connected to UI 1.

As shown in FIG. 3, the keyboard 16 includes number keys 31 for entering numerical data such as the number of sales items, sales amount, and credit payment amount at the time of credit sales; A department key 32 for inputting a department code, a subtotal key 33, a deposit/cash key 34 for calculating the total amount at the time of cash sales, a credit key 35 for declaring credit sales,
Credit payment methods include "one-time payment,""fixed amount payment,""installmentpayment," and "one-time bonus payment."

Each payment method type key 36a to 36e for inputting "two bonus payments"respectively; a transmission key 37 for instructing the card issuer's host computer 8A, 8B to send a message requesting credit sales permission; by the CAT printer 4; The authentication key 38 commands the start of printing of the credit slip, the print destination designation switch 25, or the printing light status of each card issuing company (described later) specifies the print output destination of Regibuto slip data between the credit slip and the receipt. Various keys such as a print destination change key 39 for switching are provided.

As shown in FIG. 4, the display 19 includes an upper dot display tube 41 for displaying the code, name, etc. of the product being sold, and a lower dot display tube 42 for displaying the sales amount, total amount, etc. , "Registration", "Trial mark group 43 for lighting up and displaying the cash register status such as "Payment j".

The try mark group 43 includes a slip try mark 43a that lights up when the printout destination of credit slip data is a credit slip, and a receipt try mark 43b that lights up when it is a receipt.

In the RAM 13, as shown in FIG.
, - a totalizer 52 that calculates the total amount by adding up the sales amounts of products sold to multiple customers, a payment type memory 53 that stores the credit payment amount at the time of credit sales, the number of items sold, the sales amount, etc. of each product sold, etc. sales data by department,
A sales registration file 54 that is cumulatively registered for each transaction, a card information buffer 55 that stores card information read by the card reader 3, and a transmission buffer 56 that temporarily stores data to be sent to the host computers 8A and 8B of each card issuing company. , a reception buffer 57 that temporarily stores data received from the host computer 8^+8B of each card issuer, a credit table 58 that sets and stores information regarding each credit issuer, and a bonus payment table 59 that stores and sets information regarding bonus payment conditions.
, printing light information selection flag Fl, printing destination designation flag F2.
Slip flag F3. A flag memory 60 that stores a receipt flag F4 and a change flag F5, and a payment time memory 61 that stores a credit payment time at the time of credit sales are formed.

The printing light information selection flag F1 is "ON" when the information of the printing destination designation switch 25 is enabled as information specifying the printing output destination of credit slip data, and when the printing destination status for each credit company, which will be described later, is enabled. and when"
OFF, and is set in advance in the "Settings" task. The print destination designation flag F2 is the print destination designation switch 2.
“ON” when 5 selects the credit slip side
It is "OFF" when the receipt side is selected.

The slip flag F3 is "ON" when the printout destination of credit slip data is a credit slip, and "ON" when it is a receipt.
Conversely, the receipt flag F4 is "ON" when the receipt is a receipt and "OFF" when the receipt is a credit slip. The change flag F5 is set to “
ONm and OFF" are reversed.

As shown in FIG. 6, the credit table 58 includes information corresponding to the bonus payment conditions of each card issuing company in correspondence with the card issuing company code magnetically recorded on the credit card issued by that company. The area A for storing the table blood of the set bonus payment table 59 and the company's credit slip data are printed on the credit slip using the CAT printer 4 (Status-1) or on the receipt using the RJ printer 21. An area B is formed for storing a print destination status specifying whether to print (status - O).

As shown in FIG. 7, the bonus payment table 59 includes areas CI, C2 and C2 for storing the minimum amount of credit for one-time bonus payment or two-time bonus payment, corresponding to a series of tables. , an area for storing the handling period for accepting credit usage for one-time summer bonus payment, one-time winter bonus payment, two-time bonus payment in the order of summer and winter, and two-time bonus payment in the order of winter and summer. DI, D2. D3゜D4 and
Payment period information corresponding to each bonus handling period area D1 to D4 (Natsu, Fuyu, Na φ Fuyu, Fuyu/Nara, etc.)
Areas El, E2 . E3. E4 is formed.

The CPU 1 of the ECR body 2 is programmed to process credit sales according to the flowchart shown in FIG. 8 when the mode switch 24 selects the "registration" mode. That is,
At ST (step) 1, press the numeric key 31 on the keyboard 16.
When sales data such as the department code, sales amount, and number of items sold for one sales item are entered manually by key operations such as the 1 department key 32, registration processing for that sales item is executed.

In other words, the sales data of sales products is stored in the sales registration file 5.
It is accumulated in the sales area of the corresponding department code of 4. Further, the sales amount is added to the totalizer 52.

Further, the department code and the sales amount are displayed on the upper dot display tube 41 and the lower dot display tube 42 of the display 19, respectively, and the RJ printer 21 is driven and controlled to print out the department code and the sales amount on a receipt.

When the credit key 35 of the keyboard 16 is operated in ST2, the registration of all products sold to - customers is completed, and since the customer used credit for payment, the total amount in the totalizer 52 is displayed on the receipt. After printing out the total amount and displaying the total amount on the lower display tube 42 of the display 19, the system waits for the credit card to be inserted into the card reader 3. When the card is inserted, the card information such as the company code and membership number magnetically recorded on the card is read and stored in the card information buffer 53.

Next, as ST3, a print destination display process shown in FIG. 9 is executed. That is, the state of the printing light information selection flag F1 in the flag memory 60 is checked to see if the information of the printing destination designation switch 25 is valid (pN), and the printing destination status information set in area B on the credit table 58 is checked. is valid (OFF). Then, when the flag F1 is ON, that is, the information of the print destination designation switch 25 is valid, the state of the print destination designation flag F2 in the flag memory 60 is checked. Then, this flag F2 is “ON”
”, the print destination designation switch 25 is on the credit slip side, so the slip flag F3 in the flag memory 60 is set to “
ON” The receipt flag F4 is set to “OFF”, the slip try mark 43a on the display 19 is turned on, and this process ends.On the other hand, the print destination designation flag F2 is set to “O”.
In the case of "FF", the print destination designation switch 25 is on the receipt side, so the receipt flag F4 of the flag memory 60 is set "ON", the slip flag F3 is "OFF", and the display 1
The receipt try mark 43b of No. 9 is turned on, and this process ends.

On the other hand, when the printing light information selection and the slug F1 are "OFF", that is, when the printing destination status information is valid, the printing destination status corresponding to the company code in the card information buffer 55 is read from the credit table 58. If the read status is 112, it is specified that the credit slip data is to be printed on the credit slip, so the slip flag F3 in the flag memory 60 is set to "ON".
The receipt flag F4 is set to "OFF", the slip try mark 43a on the display 19 is turned on, and this process is completed. On the other hand, if the read status is '0°, it is specified that the credit slip data is to be printed on the receipt, so the receipt flag F4 of the flag memory 60 is set to "ON" and the slip flag F3 is set to "OFF". Then, the receipt try mark 43b on the display 19 lights up.
This process ends.

In FIG. 8, when the print destination display process in ST3 is completed, the process waits for input of the credit payment amount in ST4. Here, when the subtotal key 33 is input after setting the amount to use credit out of the total amount using the number key 31,
The entered amount is stored in the payment amount memory 53 as the credit payment amount. If the subtotal key 33 is input without a number being entered using the number key 31, the total amount is paid using credits, so the total amount in the totalizer 52 is stored in the payment amount memory 53 as the credit payment amount.

Next, in ST5, when a payment method for the credit payment amount is input using the payment method input keys 36a to 36e of the keyboard 16, payment classification processing is executed according to the payment method. Here, bonus one-time payment key 3
6d or the bonus two-time payment key 36e is operated to declare a bonus payment, the process shown in FIG. 10 is executed.

That is, first, the bonus payment table corresponding to the company code in the card information buffer 55 is read from the credit table 58, and the data corresponding to the corresponding table in the bonus payment table 59 is recognized. Then, it is determined whether the current month and day counted by the clock circuit 15 belong to the applicable period for handling the bonus payment.

That is, when the bonus one-time payment key 36d is operated and the bonus one-time payment is selected, each handling period data in areas D1 and D2 is compared with the current month and day, and the bonus two-time payment key 36e is operated. If two-time bonus payment is selected, each handling period data in areas D3 to D4 is checked against the current month and day.

Then, if the current month and day correspond to the area DI, D2 or DB,
If it belongs to any of the handling periods D4, it is determined whether the credit payment amount in the payment amount memory 53 is equal to or greater than the minimum usage amount for the corresponding bonus payment. That is, when the bonus one-time payment is selected, the minimum usage amount of area C1 and the credit payment amount are compared,
Area C2 if 2-time bonus payment is selected
Compare the minimum usage amount and credit payment amount.

Then, the credit payment amount is applicable to area C1 or C.
If the amount exceeds the minimum usage amount in item 2, the payment period area (handling period area D1) corresponding to the area to which the current month and day belong
In the case of , payment period area El, handling period area D2
In the case of payment period area E2. Handling period area D3
In the case of payment period area E3. Handling period area D4
In the case of , the payment time information in the payment time area E4) is stored in the payment time memory 61, and the payment time is displayed on the upper dot display tube 41 of the display 19, and this process is terminated. In addition, if the current month and day do not belong to the handling period for the applicable bonus payment, or if the credit payment amount is less than the minimum usage amount for the applicable bonus payment, the upper dot display tube 41 will indicate that transactions based on this bonus payment are not permitted. Display and exit.

In Figure 8, the payment method is input at Sr5,
After completing the payment sorting process, the system waits for the transmission key 37 to be input. However, before sending key 37 manually, Sr.
6, if the print destination change key 39 is input, the initial “
The change flag F5, which has been reset to "OFF", is reversed, and the blinking states of the slip try mark 43a and the receipt try mark 43b are switched.In other words, printing is performed while the slip try mark 43a is lit and the receipt try mark 43b is off. When the destination change key 39 is input, the slip try mark 43a is turned off.

The receipt try mark 43b is turned on. Conversely, the receipt try mark 43a is off while the slip try mark 43a is off.
If the print destination change key 39 is input while b is lit, the slip try mark 43a is lit.

The receipt try mark 43b is turned off.

When the transmission key 37 is input in Sr1, the card information in the card information buffer 55, the credit payment amount in the payment amount memory 53, and the payment timing information in the payment timing memory 61 are combined into a transaction authorization message. The temporary message is temporarily stored in the transmission buffer 56 and sent to the transmission control circuit 5.
Telephone line 6゜Telephone exchange network 7. The host computer 8A of the card issuing company via the telephone line 6;
8 a Transmission processing to host computer 8
Wait for response from A+8B. When a response to the makeshift message is received, Sr1 determines that if the response message is an approval response message indicating transaction permission, the card information, credit payment amount, payment method, etc. included in the response message is sent to Sr1. The credit transaction information is stored in the reception buffer 57.

Next, after issuing a receipt on which sales data, total amount, etc. are printed, the slip printing process shown in FIG. 11 is executed. That is, when the flowchart starts, it is first determined whether the slip flag F3 is "ON" or the receipt flag F4 is "ON".
If the change flag F5 is OFF, check the state of the change flag F5. If the change flag F5 is OFF, it is specified that the credit slip data is to be printed on the credit slip, so the authentication key on the keyboard 16 is Wait for 38 to be operated. When the authentication key 38 is operated, it is confirmed that the slip is attached to the CAT printer 4, and then credit slip data is edited from the card information and credit transaction information in the reception buffer 57, and the
The AT printer 4 is driven to start print output processing for the slip. In contrast, change flag F5 is “ON”
In this case, it is specified that the credit slip data is to be printed out on the receipt rather than the credit slip, so the credit slip data is edited from the card information and credit transaction information in the reception buffer 57, and the RJ printer 21 is The printer is driven to start printout processing for the receipt.

On the other hand, the slip flag F3 is “OFF” and the receipt flag F3 is “OFF”.
4 is "ON", the state of the change flag F5 is also checked. If the change flag F5 is "OFF", it is specified that the credit slip data is to be printed out on the receipt, so the receipt printing process is started in the same manner as above. On the other hand, when the change flag F5 is "ON", it is specified that the credit slip data is to be printed out on the credit slip instead of the receipt, so the credit slip printing process is started in the same manner as above.

In this way, when the printout process for the credit slip or receipt of the credit slip data is completed, the eighth
The credit sales process shown in the figure ends. In addition, Sr1
If the response message received from the host computers 8A, 8B is a refusal response that does not permit credit transactions, the upper dot display tube 41 of the display 19 indicates that the transaction is not permitted.
is displayed and exits.

In this embodiment configured as described above, when a customer requests payment by credit card for a product registered for sale, the cashier operates the credit key 35 to declare a credit transaction and also receives the credit card deposited by the customer. into the card reader 3. Also,
The cashier asks the customer the amount to be paid by credit and the payment method, and inputs the credit payment amount and payment method by operating a predetermined key.

Now, as shown in FIGS. 6 and 7, with each data set in the credit table 58 and the bonus payment table 59, a customer makes a purchase of, for example, 80,000 yen.
When requesting a one-time bonus payment for the entire amount using a credit card with card issuer code r1234J, the cashier first operates the credit key 35, inserts the credit card into the card reader 3, operates the subtotal key 33, and then operates the bonus 1 Operate the installment key 35d. Then, from the credit table 58, the bonus payment table Nct corresponding to the company code r1234J is
r01J is read and the data of table Ncir01J of the bonus payment table 59 is recognized. and,
For example, if the current month and day counted by the clock circuit 15 is June 1st, this current month and day, June 1st, belongs to the summer bonus one-time payment bonus handling period in the handling period area D4. The credit payment amount is compared with the minimum credit usage amount for one-time bonus payment on the corresponding table. In this case, since the credit payment amount is equal to or greater than the minimum amount, the credit transaction is permitted, and the payment period information "Natsu" in the payment period area E1 corresponding to the applicable handling period area D1 is stored in the payment period memory 61 and displayed. The display data ``Oshiharaiha Natsu'' is displayed on the upper dot display tube 41 of the device 19.

Thereafter, the cashier operates the transmission key 37.

Then, a credit transaction inquiry is made to the host computer at the card issuing company with the company code r1234J, and when the host computer receives a transaction approval response, the specified credit slip data is printed out on the credit slip or receipt. publish.

Furthermore, if a customer makes a purchase of, for example, 300,000 yen and requests two bonus payments for 200,000 yen using a credit card with card issuer code r1357J, the cashier first operates the credit key 35 and inserts the credit card into the card reader. 3, enter 200,000, operate the subtotal key 33, and then press the bonus two-time payment key 358.
operate. Then, the bonus payment table &r03J corresponding to the company code r1357J is read from the credit table 58, and the bonus payment table 5
The data of table Ncr03J of No. 9 is recognized. If the current month and day counted by the clock circuit 15 is, for example, September 15th, then this current month and day, September 15th, is the two-time bonus payment based on the order of winter and summer in the handling period area D4. Since it belongs to the handling period, the credit payment amount is compared with the minimum credit usage amount for the two-time bonus payment on the corresponding table. In this case, since the credit payment amount is greater than or equal to the minimum amount, the credit transaction is permitted, and the payment period information r12,6gatsu'' in the payment period area E4 corresponding to the applicable handling period area D4 is stored in the payment period memory 61. At the same time, the upper dot display tube 41 of the display 19 displays the data "Oshiharaim 12.
6 Gatsudes” is displayed and output. The rest is the same.

As described above, in this embodiment, when a credit transaction due to a bonus payment occurs, the cashier inputs the credit payment amount and then presses the bonus payment key 35d for the corresponding number of payments.

Enter 35e. Then, the payment period (“summer” or “winter” in the case of one-time bonus payment, bonus 2
In the case of installment payment, “Summer/Winter” or “Winter/Summer”) is automatically determined. Therefore, it is no longer necessary to manually input the number of payments, payment timing, etc. for bonus payments as in the past, and the operation is simplified. As a result, operability can be improved, reducing the burden on the cashier, and
The occurrence of input errors can also be reduced.

In addition, the automatically determined payment time will be displayed on the upper dot display tube 41 of the display 19 until the customer's credit transaction is completed.
Since the season or month is displayed, the customer can easily recognize the payment period, and the cashier can reconfirm the payment period with the customer.

In the above embodiment, the bonus installment payment is limited to two installments, but it goes without saying that three or more installment payments can also be processed by providing a bonus payment condition area for three or more installments on the bonus payment table. That's a good thing.

Furthermore, although the above embodiments have only exemplified bonus payments, the present invention can be applied to any payment method whose payment timing is generally standardized, similar to the bonus payment method. Further, in the embodiment described above, the credit terminal device was explained as being used also as an electronic cash register, but it goes without saying that the credit terminal device may not have the function of an electronic cash register.

[Effects of the Invention] As detailed above, according to the present invention, operability can be improved by simplifying key operations for lump-sum payments or installment payments with standardized payment periods, such as bonus payments. It is possible to provide a credit terminal device that is easy to measure, reduces the burden on the operator, and suppresses the occurrence of input errors as much as possible.

Moreover, according to claim 2, there is an effect that the automatically determined payment timing can be easily recognized.

[Brief explanation of the drawing]

The figures are diagrams showing an embodiment in which the present invention is also used as an electronic cash register, in which Fig. 1 is a block diagram showing the overall schematic configuration, Fig. 2 is a block diagram of the ECR main body, and Fig. 3 is a block diagram showing the overall schematic configuration.
The figure shows the key arrangement of the keyboard, Figure 4 shows the configuration of the display, Figure 5 shows the main memory configuration of RAM, Figure 6 shows the credit table, and Figure 7 shows the configuration of the display. FIG. 8 is a flowchart showing the credit sales process in the CPU; FIG. 9 is a flowchart showing the print light display process in the credit sales process; FIG. 10 is a flowchart showing the payment classification process in the credit sales process. , FIG. 11 is a flowchart showing the slip printing process in the credit sales process. 1...Credit terminal device, 2...ECR main body, 3
...Card league, 4...CAT printer, 5...
・Transmission control circuit, 8A, 8B...Host computer, 19...Display unit, 21...RJ printer, 35.
...Credit key 36a-36e...Payment method person 37...Send key 53...Payment type memory, 58...Credit table, 59...Bonus payment table, 61...Payment period memory . Applicant's agent Patent attorney Takehiko Suzue Figure 10 Figure 11

Claims (2)

[Claims] (1) Credit card information read by a card reader and entered credit card payment amount;
A credit terminal device that sends credit transaction information such as payment method and payment period to an external host system via a transmission line, and prints out a credit slip in response to a transaction approval response from this host system. A payment method input key for inputting a lump sum payment with a specified payment time or an installment payment with a specified payment time as a payment method, and a payment that presets and stores the payment timing for the above lump sum payment with a specified payment time or installment payment with a specified payment time in accordance with the handling period of the applicable payment method. a time storage section; a clock circuit that measures the current month and day; and when a lump-sum payment with a specified payment period or an installment payment with a specified payment period is input using the payment method input key, the clock circuit measures the clock circuit based on the contents of the payment period storage section; 1. A credit terminal device comprising: payment time determining means for determining a payment time corresponding to a handling period of a corresponding payment method that includes the current month and day of the payment method. 2. The credit terminal device according to claim 1, further comprising: payment time display means for displaying and outputting display data indicating the payment time determined by the payment time determination means.