JPH0410192A - Installment selling controller - Google Patents

Abstract

PURPOSE:To speedily execute installment selling speedily even for an unskilled person by inputting a sales data concerning sold merchandise and an installment data as the condition of the installment selling by a data input means, and automatically issuing a receipt recording installment selling information together with sales information by a receipt issuing means. CONSTITUTION:A POS terminal 10 is set in a card installment mode. When a host computer 30 executes credit decision to enable credit selling, operations from merchandise registration to discount input are executed. After the discount input, the installment pattern of card installment is inputted. Next, the desired number of times for customer payment is inputted by ten keys. Afterwards, a front end processor 20 calculates the installment based on the sales amount and the desired number of times for payment. Then, the date of starting the payment is displayed on a guidance panel 13 for confirmation. After confirming the date of starting the payment, a deposit/ register key is pushed down, the receipt bill is issued, the customer card is updated and a point exchange ticket is issued. On this receipt R, credit information such as demand description, payment amount and the number of times for the payment or the like is recorded together with the sales information such as the name, amount and price or the like of the sold merchandise.

Description

DETAILED DESCRIPTION OF THE INVENTION (Industrial Application Field) The present invention relates to an installment sales management device, and more particularly, to an installment sales management device used when products are sold in installments at department stores, retail stores, etc. Regarding equipment.

(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 in the Installment Sales Law, 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 purchaser's ability to pay is investigated prior to the sale of an individual product and a comprehensive installment sales contract is concluded, and the purchaser's ability to pay is investigated each time a product is sold, and installment sales are conducted. There is a type of sales such as partial installment sales where a sales contract is concluded.

There are various restrictions on installment sales under the Installment Sales Act, and it is necessary to clearly state the conditions stipulated by the Installment Sales Act for each individual transaction. For this reason, when carrying out uneven installment sales, a salesperson prepares a slip for uneven installment sales, fills in the necessary information on the slip, and hands it 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.

(Problem H that the invention seeks to solve) As described above, in recent years, although installment sales have become more frequent and the number and types of products handled have increased, salespeople still You must fill in the necessary information each time. For this reason, when the number and types of products handled increase, filling in the slips becomes extremely complicated and troublesome work, and writing the slips takes a lot of time for installment sales, causing inconvenience to customers. Ta. In addition, since the entries on the slip must be based on the 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 familiar with installment sales. .

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

(Means for Solving the Problems) An installment sales management device according to the present invention includes a card reading means for reading customer information from a customer card, and data for inputting sales data regarding sold products and installment data regarding conditions of installment sales. an input means, a data holding means for holding other data, and based on the sales data and installment data input by the data input means,
It is equipped with a calculation means for calculating payment amount for installment sales, and a receipt issuing means for issuing a receipt, and the receipt issuing means is configured to collect data from the card reading means, data from the data input means, and data from the data holding means. , based on the data from the calculation means, at least the name of the store issuing the receipt, the time of issue issuing the receipt, the product name and price of the product sold in installments, the down payment for the installment sale,
Information on the receipt paper includes the installment fee and price, customer data, the number that identifies the installment sales contract, the installment amount, the number of payments, the payment period, the delivery date of the product, and the presence or absence of services that are a condition of product sales. The feature is that the ticket is issued after printing.

Note that the customer card is preferably configured with a magnetic card, an IC card, or the like. Further, it is preferable that the main operating portion of the present installment sales management device be constituted by a point-of-sale information management (PO3) terminal device. This is to effectively utilize the fact that many of the items written in the conditions presented in installment sales overlap with the items written on the receipt issued from the PO3 terminal device at the time of cash sales.

(Function) In the installment sales management device of the present invention, the data input means inputs sales data regarding sold products and the installment data that is the condition of the installment sale, and the receipt issuing means records the installment sales information together with the sales information. Since receipts are automatically issued, even non-experts can quickly conduct installment sales.

(Embodiment) Hereinafter, an installment sales management device according to a preferred embodiment of the present invention will be described with reference to the accompanying drawings. In this embodiment, the installment sales management device incorporates a PO8 terminal device and uses a PO8 terminal device as a customer card.
This will be explained as an S system.

) Each store is equipped with a large number of PO3 terminal devices 10.

The entire PO3 terminal device 10 is controlled by a control section 11. The PO8 terminal device 10 of this embodiment is capable of handling installment sales, and is provided with a keyboard 12 as a data input means operated by a salesperson and a guidance panel 13 for displaying various guidance contents for the salesperson.

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 during a transaction. This customer card C records the customer card number as well as, for example, the cumulative points for a service point system and the date of update of the points.

Furthermore, the PO8 terminal device 10 is provided with a receipt ticket issuing device 15, which issues a receipt R in which the details of the sale are written as a receipt in the case of a cash sale, and a receipt R that describes the details of the sale as a receipt in the case of an installment sale. Receipt R with details
issue a ticket.

A plurality of PO3 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 office, and performs auxiliary work to reduce the burden on the host computer 30. For example, data periodically sent from each store's store computer 18 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 to the host computer 30. is stored and managed in its own log file 22 without using the host computer 30. Note that the front end processor 20 is not provided, and the host computer 30
The work may be done by

The host computer 30 is installed in, for example, an information center and controls the entire card system. The host computer 30 is provided with a customer database 32 as a master file. The customer database 32 stores various types of 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. , a credit master 36 for managing credit sales.

In addition, in the above-mentioned card system example, the PO8 terminal device 1
0 is online and connected to the store computer 18, front end processor 20, and host computer 30, the receipt R according to the present invention may be issued by 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 10 are shown in FIG.

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

At the top of the central area of the keyboard 12, there is an all-cancel key 41 for canceling all input content, a line-cancel key 42 for canceling one line of input content, and an error/C key for correcting errors. 43 is provided on the key. 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 area on the right side of the keyboard 12, there is a 6 x 5 30
51 is provided for each PLU (Price Look Up) key. 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, there is 52 for the enter key, 53 for the total key,
A deposit/registration key 54 is provided. 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 POS, the operation of each mode of the PO3 terminal device according to the present embodiment will be explained.

Mode 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 receipt R issued in the cash mode is shown in FIG.

First, register the purchased product (Step 5IO
I).

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, enter the quantity of the purchased product 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 518), and after confirming 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 products 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 3103). If there is a discount, enter the discount amount or discount % value on the numeric keypad with 44 (Step 5104), and after confirming V7L on the guidance panel 13, press 24 on the discount amount key or 23 on the discount % key. do(
Step 5105).

If there is no discount for the entire purchase amount, step 51
04.5105 is skipped and the process proceeds to step 5106.

Next, it is determined whether a service point exchange ticket has been provided by the customer (step 5106).

If provided, place the point exchange section on the numeric keypad.
4 (step 5107), guidance panel 1
After confirming step 3, press 25 on the exchange ticket key (step 3)
108). If no voucher is provided, step 51
07.5108 is skipped and the process proceeds to step 5109.

Next, enter the deposit amount from the customer using the numeric keypad (step 5109) using the guidance panel 13! After approval,
Press 53 on the deposit/registration key (Step 5ILO)
.

When the above input is completed, the control unit 11 calculates the change amount and displays it on the guidance panel 13 (step 5
ill). The salesperson prepares the displayed change amount.

The receipt issuing device 15 issues the receipt R almost simultaneously with the display of the change amount, and the series of operations in the cash mode (step 5112) ends.

Details of the receipt R issued in this cash mode will be explained using FIG. 5. This receipt R includes sales information such as the name of the sold product, quantity, and price.

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

In the store name column RIO, the name of the store that issued the receipt R and concluded the sales contract is written. In this embodiment, the name of the store, ``rM&C Store Ikebukuro Store,'' and a telephone number are listed. Note that below the store name column R10, the words "Thank you for your continued support" are written.

Under the store name column RID is the product name, model, quantity, and price R1.
1 is placed. This product name, model, quantity, price disease R
In column 11, the name and model of the product to be sold, as well as its quantity and price are listed.

In this example, the product name and model are "Slacks" and "Kotsushita", and the respective quantities and prices are "
'Ol' pieces, r 400OJ yen, '01'pieces,' 100
It is written as OJ yen.

Under the product name, model, quantity, and price R11, there is a total section R12 where the total sales amount is listed, a tax section R13 where the consumption tax amount is listed, and the cash price subject to the current sale. A cash price 111R14, a deposit tank R15 in which the deposit amount is written, and a change tank R16 in which the amount of change is written are arranged. In this embodiment, '50 is added to the total tank R12.
D [It is written as 1J yen, and in the tax department tank R13 it is written as 150J yen, which is 3% of 5000 yen, and the cash price disease R14
'5150J yen, which is the total amount of the total amount and tax amount, is written in , '10000J yen' is written in deposit tank R15, and '4850J yen, which is 5150 yen subtracted from 10,000 yen, is written in change tank R16. has been done.

These product name/model/quantity/price R11, total amount column R
12, Tax Department Tank R13, Cash Price! R14 is storage tank R
15. The change tank 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 written along with the date, indicating that the transaction was made at 15:15 on March 20, 1990 at '90-03-20 15:15J.
It is stated that.

Card Mode The card cash mode is a mode in which products are sold for cash using the customer card C. 6th card cash mode operation
A specific example of the credit card shown in the flowchart in the figure and issued in the card cash mode 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 3112) 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 5123). After updating the cumulative points, the customer card C is ejected from the reader/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 column R20 in which the customer's card number is written is arranged below the change tank R16. The card number is written to identify the customer who is the contract holder of the sales contract. In this example, rOl-0001- is entered in the card number field R20.
It is described as 000001-I J. This card number field R20 functions as a customer field.

Below the card number column R20 is arranged a make-up number (transaction specific number) column R22 in which the make-up number ε2 is listed. Since this number identifies the current transaction, it also functions as a transaction identification number column.

In this example, '0001-01-0001-0000
It is written as 01-IJ.

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 time 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".

Yuji! Next, the operation of the card split mode in which credit sales are performed using the customer card C will be explained.

The allocation pattern of the card split mode in this embodiment includes three types of installment sales methods: (1) standard payment, (2) designated payment (excluding two-time payment), and (2) bonus payment.

Next, the operation of each mode will be explained in detail.

Descriptions of the same contents as the operations in each mode shown in FIGS. 3 to 7 will be omitted or simplified.

Ibi Standard Payment is a standard card splitting mode that sells cards in installments for the number of payments specified by the customer without requiring a down payment. The operation of standard payment is shown in the flowchart of FIG. 8, and a specific example of the receipt R issued for standard payment is shown in FIG. 80,0
An example will be explained in which a suit for 00 yen and shoes for 20,000 yen are sold.

First, the salesperson presses 12 on the credit key (step 3151) 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 league writer 14 and reads the customer card number and cumulative points (step 5121). Since credit sales are performed in the card split mode, the PO8 terminal device 10 performs a credit inquiry in the next step 5132. The customer card number read by league writer 14 is sent from store computer 18 via a communication line to front end processor 20 and then to host computer 30 for credit verification. 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 3133).
. The determination result by the host computer 30 is sent from the store computer 18 to the PO3 terminal device 10 via the communication line from the front end processor 20, and is displayed as a code on the guidance panel 13.

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 5105) are the same as the cash mode described above.

After inputting the discount, an allocation pattern for card division is input (step 5I52). A numerical value for a predetermined allocation pattern is input using the numeric keypad 44. here,
Enter the number ``1'' indicating standard payment and press 5 on the enter key.
2 (step 3153).

Next, the customer enters the number of payments desired by the customer using the numeric keypad 44, presses the guidance panel 13, and then presses the enter key 52 (step 5162). In this specific example, the desired number of payments is "5".

Next, the front end processor (FEP) 20 performs allocation calculations based on the sales amount and the desired number of payments (step 3163). As a result of the allocation calculation, if the customer approves the input sales amount and desired number of payments, the process advances to the next step 5137.

If the customer does not approve, the process returns to step 5152 and the allocation pattern is re-inputted (step 5164). Note that the allocation calculation may be performed by the host computer 30, the store computer 18, or the PO3 terminal device 10.

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 the guidance panel 13, the user presses the enter key 52 (step 5138).

After that, press 54 on the deposit/registration key (step 511).
O), issuing a receipt bill (step 5140), updating the customer card (step SL2.2), and issuing a point exchange ticket (step 3123).

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 card split mode, the receipt R is issued in step 5140.
A receipt R, which also functions as a bill, is issued.

The details of the receipt R issued for standard card split payment will be explained using FIG. 9. This receipt R includes sales information such as the name of the product sold, quantity, price, etc., as well as the billing statement,
Credit information such as payment amount and number of payments is recorded.

In the product name/model/quantity/price column R11, the product name/
The model is listed as "suit" and "shoes", and the quantity and price of each is "01" pieces, R80,000" yen,
It is listed as "01" pieces and 20,000J yen. In the sales details column, "100,000" yen is written in the total section R12, "3000" yen, which is 3% of 100,000 yen, is written in the tax section R13, and the total amount and tax amount are written in the cash price column R14. It is written as "103,000 yen" which is the total amount of money.

Below the cash price column R14, there is a down payment column R3D, which is the down payment for credit sales. The down payment is the amount paid at the time of the credit sales contract, and is required to be stated in the case of uneven installments under the Installment Sales Act. In this embodiment, since it is a standard payment, "0" yen is written as the down payment.

Below the down payment field R30, a deposit tank R15 in which the deposit amount is written and a change tank R16 in which the amount of change is written are arranged. In this embodiment, since the down payment is 0 yen, there is no cash exchange, and the deposit is 0 yen and the change is 0 yen.

Change amount! Below rA16, an installment (credit) fee field R31 and an installment (credit) price column R32 are arranged, and the installment (credit) fee 4aR31 includes a credit fee of r3100. , + yen is written,
Installment (credit) price column R32 is '106100J
It is written as yen.

In the case of standard payment in the card split mode, the receipt R also functions as a bill, so a bill starting with the bill text column R33 is written below the credit details column. Below the word "invoice," there is a note to the customer that says, "Please check the following details and the installment sales regulations before making your payment."

Below the billing text field R33 is the card number field R2 mentioned above.
0, customer name type R21, arrangement number (contract number) field R22
are arranged.

A credit type column R34 indicating the type of credit is arranged below the arrangement number (contract number) column R22.

In this embodiment, "standard payment" is written.

Below the credit type column R34, there is arranged a payment amount/number of payments/period column R35 in which division details such as payment amount, number of payments, and period in credit card sales are recorded. In this example, the standard number of payments is set to five, so the installment amount/number of payments/period column R35 contains the first installment amount of 21,300 yen and the number of payments 'XIJ.
' 2120 is written and is the 2nd to 5th installment price.
0J yen and the number of payments "x4" are listed on g5.

Below the payment/number of payments/period column R35, there is provided a payment start month/day column R36 in which the payment start month/day is written.

As mentioned above, the host computer 30 automatically sets the payment date based on the payment date set by the customer when applying for the card. In this embodiment, "April 30th" is written.

Below the payment method column R37, there is a product delivery time column R38 in which the product delivery time is written.

The timing of product delivery is when the product is delivered on the day of purchase (stated as "Today's item by me"), when the product is delivered later (stated as "XX month, There is a case where it is handed over (described as "rxx month XX day Leiten").

At the time of credit sales, a salesperson may operate the PO3 terminal device 10 according to the customer's selection, or the PO8 terminal device 10 may automatically make a decision depending on the product, or the product to be sold on credit may be delivered on the day of purchase. It is also possible to limit the list to items that can be used and automatically write "Today's item Watan".

Below the product delivery time WR38, there is provided a service description field R39 that describes the presence or absence of services that are a condition for product sales.

This is required to be recorded in the case of a detailed installment sale, and in this example, it is written as ``No services that are a condition for product sales.''

In this specific example, the points this time are the total purchase amount 1 0
0. f) There are 1000 points, which is 1/100 of 00 yen, and if you add the 41 points of the cumulative points up to the previous time, the cumulative points will be 1041 points, which is more than 500 points. For this reason,
Issue two 500-point bow exchange tickets at Step 5123. Therefore, the total points after issuing the exchange ticket will be 41 points. However, "rlooo" is written in the current point column R23 of the receipt before the exchange ticket is issued, and "1041" is written in the cumulative point column R24.

Other matters are the same as receipts in card cash mode.

Specified payment is a card splitting mode in which the customer specifies the down payment and number of payments, and the product is sold in installments under the customer's specified conditions. The operation of specified payment is shown in the flowchart of Fig. 10, and a specific example of the receipt R issued in specified payment is shown in
As shown in the figure. Explanation of the same contents as in the case of standard payment will be omitted.

First, press 12 on the credit key (step 5151
), reading the customer card (step 512
1), Credit inquiry (step 5121.5132.513
3) Perform product registration (steps 5101 and 5102) and discount input (steps 8103 to 5105).

After entering the discount, enter the card split allocation pattern (
In step 3152), enter the number "2" indicating designated payment and press 52 on the enter key (step S
153).

Next, the customer enters the desired down payment using the numeric keypad 44 (step 5171), confirms it on the guidance panel 13, and then presses the enter key 52 (step 5172).
). Next, input the installment payment amount using the numeric keypad 44 (step 5173), and after confirming it on the guidance panel 13, press the enter key 52 (step 5174). Next, enter the desired number of payments using 44 on the numeric keypad (step 5175), and after confirming ii+11 on the guidance panel 13, press 52 on the enter key (step 3176).
). In this specific example, the down payment is 10,000 J yen, the installment payment is 109,000 J yen, and the desired number of payments is 5 times.

Next, the front end processor (FEP) 20 performs allocation calculations according to desired conditions (step 3163).
), as a result of the allocation calculation, if allocation is possible, proceed to the next step 5137; if allocation is not possible, proceed to step 5152.
Return to and re-enter from the allocation pattern (step 51
64).

After that, display and confirm payment start date (step $137)
．． 3138), display of down payment (step 5139), input of point exchange ticket (steps 5106 to 8108), input and registration of deposit amount (step $109.5110)
, displaying change amount (step 5111), issuing receipt bill (step 5140), updating customer card (step 5122), issuing point exchange ticket (step 51)
23).

The details of the cash register (R) issued in the designated payment mode in the card split mode will be explained with reference to FIG.

In this specific example, the down payment is 10,000 yen, so the down payment column R
30 is written as 'l 0000J, '100OOJ is written in the deposit tank R15, and '0' is written in the change amount 41alR16. Installment fee horizontal R31 is r200
0J is written, and the installment price column R32 is written as ``95000J.''

“Designated payment” indicating the credit type is written in the credit type column R34.

Since the installment amount is 19,000 yen and the desired number of payments is 5, the installment amount/number of payments/period column R41 contains "19,000 yen" which is the amount of the 1st to 5th installment and "" which is the number of payments. ×5" is written.

Other details are the same as for standard payment receipts.

Combined bonus payment is a card split mode in which the sales proceeds, excluding the down payment, are paid more in the bonus month than in the previous month. The operation of the combined bonus payment is shown in the flowchart of FIG. 12, and a specific example of the register-1-R issued for the combined bonus payment is shown in FIG.

Descriptions of the same contents as in the case of ML payment and specified payment will be omitted.

First, press 12 on the credit key (step 5151
), reading the customer card (step 512
1), Credit inquiry (step 5121.5132.513
3) Perform product registration (step 510115102) and discount input (steps 5103 to S, 105).

After entering the discount, enter the card split allocation pattern (
In step 3152), the user inputs the numerical value "3" indicating combined bonus payment, and presses the enter key 52 (step 5153).

Next, after inputting the down payment (steps 8134 to 3136), inputting the monthly installments other than the bonus month (steps 5191 and 5192), inputting the total number of payments (steps 5193 and 5194), and entering the monthly installments for the bonus month (steps 5191 and 5192). Enter payment amount (
Steps 5195 and 5196) and bonus month type input (Steps 5181 and 5182).

Next, the payment start date is displayed on the guidance panel 13 (step 5137). After confirmation, press 52 on the enter key (step 3138).

Next, the front end processor (FEP) 20 performs allocation calculations according to desired conditions (step 3163).
), as a result of the allocation calculation, if allocation is possible, proceed to the next step 5139; if allocation is not possible, proceed to step 515.
Return to Step 2 and re-enter from the allocation pattern (Step 5)
164).

Next, the down payment is displayed (step 3139), the point exchange ticket is input (steps 5106 to 5108), the deposit amount is input and registered (steps 5109 and 5110), the change amount is displayed (step 3111), and the receipt bill is displayed. Issuance (Step 5140), Customer Card Update (Step 5)
122), issuance of point exchange ticket (step S123)
)I do.

The details of the receipt R issued for bonus payment in the card split mode will be explained using FIG. 14.

In this specific example, the down payment is 0 yen, so the down payment column R30 is “
"0" is written in the deposit tank R15, and "0" is written in the change tank R16. Installment fee horizontal R31 is written as r2300j, and installment price '1
It is described as rAR32harl 05300j.

In the credit type column R34, "bonus combination payment" indicating the credit type is written.

Since this is a combined bonus payment, the monthly installment amount of ¥5,000 and the number of payments "x4" are written in the installment payment/payment frequency/period column R41, and the next row is the bonus monthly payment amount " 85,300J yen and the number of payments "xl" are written.

Other details are the same as for standard payment receipts.

In this way, according to this embodiment, one PO3 terminal device can handle not only cash sales but also installment sales. In particular, receipt invoices containing the necessary items for installment sales can be automatically issued, which reduces the burden on sales staff compared to the traditional slip method, and enables quick credit sales even for non-skilled people. It can be performed.

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

For example, in the above embodiment, the present invention is applied to a PO3 terminal device that displays various guidance contents on a guidance panel, but C
The present invention may be applied to a CRT-equipped PO8 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.
It is the same as the 3-terminal device.

Further, in the above embodiment, a magnetic card is used as the customer card, but any card such as an IC card may be used as long as it is a medium on which information can be read and written.

(Effects of the Invention) As described above, according to the present invention, it is possible to reduce the burden on salespeople and quickly carry out credit sales even if they are not experts.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing an installment sales management device according to an embodiment of the present invention, FIG. 2 is a diagram showing a keyboard of the same installment sales management device, and FIGS. 3 and 4 are diagrams showing the same installment sales management device. A flowchart of the operation of the device in the cash mode. FIG. 5 is a diagram showing receipts in the cash mode. FIG. 6 is a flowchart of the operation of the installment sales management device in the card cash mode. 7EFiL A diagram showing a receipt in the same card cash mode, Figure 8 is a flowchart of the standard payment operation in the card split mode of the same installment sales management device, and Figure 9 is a diagram showing a receipt in the standard payment in the same card split mode. , Fig. 10 is a flowchart of the specified payment operation in the card split mode of the same installment sales management device, Fig. 11 is a diagram showing a receipt in the specified payment in the same card split mode, and Fig. 12 is the same installment sales management device. 13 is a flowchart of the operation of the device for bonus payment in card division mode. FIG. 13 is a diagram showing a receipt for bonus payment in card division mode. O...Host Computer 2...Customer Database 4...Card Point Master 6...Credit Master Applicant M&DONE Stem Co., Ltd. Agent Patent Attorney Kawasaki In the attached diagram, 10...PO3 terminal device 11 . . . Control unit 12 . . Keyboard 13 . Figure Figure RIO/Store name column R11 Product name/model/quantity price column R32: Installment price column R33: Claim wording column R39: Service description column R17: Receipt issue time column Figure 13

Claims (3)

[Claims] (1) Card reading means for reading customer information from a customer card, data input means for inputting sales data regarding sold products and installment data regarding terms of installment sales, and data retention means for retaining other data;
The receipt issuing means includes a calculating 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 issuing means for issuing a receipt, and the receipt issuing means includes the card reading means. , data from the data input means, data from the data holding means, and data from the calculation means, at least the name of the store issuing the receipt, the time of issuing the receipt, and the product of the product sold in installments. name and price, down payment for installment sales, installment fee, and installment price,
After printing the customer data, the number identifying the installment sales contract, the installment amount, the number of payments, the payment period, the delivery date of the product, and the presence or absence of services that are a condition of product sales on receipt paper, this is issued. An installment sales management device characterized by: (2) The installment sales management device according to claim 1, wherein the customer card is a magnetic card. (3) The installment sales management device according to claim 1, wherein the one customer card is an IC card.