JP2006099175A - Receipt for store receipt and issuing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a receipt for a shop coupon which has various reading functions necessary for a card settlement process in a settlement process using a transaction card, and is easy to follow up the settlement process and has a high evidence ability to prove the authenticity of a transaction.
SOLUTION: In the settlement process using a transaction card (credit card or the like), a store receipt receipt 10 provided with store information 11, transaction contents 12, image data 13 of a transaction card used, and a signature column 14 is issued. The above problem was solved by asking the customer for a signature and storing the signed store receipt 10. The store receipt receipt 10 according to the present invention is printed with image data 13 of a transaction card, and the customer's signature 14 proves that the transaction card of the printed image has been used. This is a powerful store receipt. Further, based on the image data, an input mistake such as a card number can be easily verified when a problem occurs.
[Selection] Figure 1

Description

  The present invention relates to transaction processing using a transaction card such as a credit card, and more particularly to a store voucher or receipt issued in a credit transaction (herein, simply referred to as “store voucher receipt”) and a method for issuing the voucher.

  In supermarkets, other retail stores, or restaurants such as restaurants, the accounting process (payment processing) of purchased products or transactions of customers is a company that provides credit cards or products or services issued by credit card companies at the request of customers. The payment fee may be settled by a margin transaction using a company-dedicated transaction card issued by the company (in the present invention, such a margin transaction card is referred to as a “transaction card”). In such a case, the electronic record data recorded on the transaction card is read by the transaction card reader, and predetermined settlement processing by the transaction card is executed based on the read information.

  For payment using a transaction card, for example, payment using a credit card, the credit card is inquired according to certain conditions such as the amount of the payment, and if there is no problem with the transaction, the credit card number is printed by the printing device. A slip or receipt on which the details of the transaction, the signature column, etc. are printed is issued. After confirming the transaction content, the customer signs the signature column of the slip if there is no problem with the print content. The signed voucher or receipt is stored by the store for a predetermined period as proof of authenticity of the transaction.

  In such a settlement process using a credit card, there are cases where the electronically recorded data of the credit card cannot be read by the transaction card reader or the credit inquiry cannot be performed for some reason. Even in such a case, the operator can input the necessary credit information to continue the checkout process. In such a case, the card number printed on the credit card by uneven markings (referred to as “emboss”) is physically copied (transferred) onto a predetermined slip by an imprinter, It is stored as evidence (such a transfer is hereinafter referred to as “imprint”).

On the other hand, as a technique for mechanically reading card images and storing them in a database as personal information, an information collection system for reading a driver's license image and creating a database has been proposed (see Patent Document 1).
JP-A-9-62827

  However, although the technique described in Patent Document 1 acquires image data for acquiring personal information, it is necessary to improve the efficiency of credit card settlement processing by combining the functions of a magnetic reading device and a printer. Nothing is disclosed or suggested.

  On the other hand, the storage of the card data by imprint as described above transfers the embossed characters of the credit card (transaction card) on the transfer paper, so that the embossed characters may be worn or damaged. Moreover, in addition to the problem that imprint characters are unclear, the imprint operation is troublesome and generates an unpleasant and loud sound, which may damage the store image depending on the store where a certain level of silence is required such as a restaurant. There are also problems such as fear.

  Furthermore, recently, crimes of illegally stealing credit card information or credit card information of a specific individual, forging a credit card with the same electronic record data as the real thing, and using it illegally have occurred frequently. . Under these circumstances, it is desirable to retain documentation with the highest possible evidence to prove customer use. When debiting a credit transaction amount from a credit account, if the customer denies the use of his / her credit card (transaction card) and refuses payment, the margin transaction loss may occur if the evidence capacity of the store copy is low This is because it may occur. In view of such a situation, it is desirable to secure materials with higher evidence ability for the settlement with the transaction card.

  The present invention has been made in view of the problems of the prior art, and in a checkout process using a transaction card, a shop certificate receipt having a high proof ability to prove the authenticity of a transaction card such as a credit card used for transaction processing, and The purpose is to provide the issuing method.

  The present invention issues a transaction receipt, a transaction card image data used, and a store receipt provided with a signature column during a checkout process using a transaction card (such as a credit card), and asks the customer for a signature. The above problem was solved by storing the signed store receipt. The store receipt receipt according to the present invention is printed with the image data of the transaction card, and it is proved by the customer's signature that the transaction card of the printed image has been used. , It will be a store receipt. Further, based on the image data, an input mistake such as a card number can be easily verified when a problem occurs.

  The receipt for store credit according to the first aspect of the present invention includes transaction information to be settled, image data of a transaction card used for settlement, and a signature section signed by a user of the transaction card. Features. Since the image data of the transaction card is printed, it becomes possible to find an input mistake of the card number only by confirming the store receipt at a later date. In addition, since the user's signature is made after confirming the printed image at the time of payment, it is possible to acquire materials with higher proof power and to suppress the loss of credit transactions such as credit cards.

  The receipt for store receipt according to another aspect of the present invention includes transaction store name, transaction date, transaction content, and transaction amount as transaction information. By printing these detailed transaction information, it becomes possible to confirm more accurately when trouble occurs.

  The receipt for store receipt according to another aspect of the present invention further includes at least a receipt number for identifying a transaction, a credit card number used, a name of the other party of the transaction, an address of the store where the transaction was made, and a telephone number. It is characterized by including one. By printing the receipt number, the store receipt receipt can be easily searched.

  The store receipt according to another aspect of the present invention further includes a signature written on the transaction card as image data of the transaction card. If the customer's handwritten signature is included in the receipt, both signatures can be compared on the spot, the identity of the person can be immediately identified, and a record of both signatures can be kept. A shop certificate receipt with higher proof power can be obtained.

  The store receipt for other aspects of the present invention further includes a line segment in the signature section. When a transaction card user signs, it can be easily written by a line segment, and the signature column is easily noticeable.

  The method for issuing a receipt for a store coupon according to the first aspect of the present invention is a method for issuing a receipt for a store coupon in a settlement using a transaction card, and (a) a predetermined transaction including a transaction target item, an amount, and a transaction quantity A step of inputting information, (b) a step of reading electronic record data of the transaction card, (c) a step of acquiring image data on the surface of the card, and (d) transaction information including the inputted predetermined transaction information; And printing the card information, the image data, and the transaction card user's signature field according to a predetermined format.

  These processing procedures may be either control by the checkout processing terminal device or control by the printing device. Further, only when a specific condition is satisfied, a store receipt including an image of a transaction card may be issued. Further, the store receipt may be printed on a single receipt sheet or may be printed on a predetermined form slip. The print information other than the image data of the transaction card and the print format can be arbitrarily determined as desired.

According to the present invention, at the time of payment, in addition to predetermined matters relating to transaction contents, a store receipt receipt on which an image of a transaction card is printed is issued and stored in the store after obtaining a customer's signature. By storing the image of the card used in this way as a record, it is possible to confirm the authenticity of the card used from the appearance when a problem occurs. The store receipt is signed by the customer. In other words, the transaction details and the appearance of the card used for the payment are inseparably printed on a single receipt, and the customer authenticates the details. It becomes expensive material.

  The best mode for carrying out the present invention will be described with reference to the drawings.

  The present invention relates to the settlement with a transaction card, but in the following description, a case where a credit card, which is a typical example of a transaction card, is used will be described. For example, when a meal is taken at a restaurant or a predetermined product is purchased at various stores, a checkout process is performed at a checkout counter (register). In the checkout counter, data input related to the provided service or purchase merchandise data input is performed, and the total payment amount of the customer is calculated based on the input data, and is delivered as a customer receipt by the printing apparatus.

  In the case of payment by credit card, magnetic recording data recorded on a credit card is read by a magnetic recording reader (MSR), and image information of the credit card is acquired by an image reading device as necessary. It is possible. Next, the store receipt receipt is printed by the printing device, signed by the customer, and stored as a copy of the store certificate.

  In the present invention, when an image of a credit card is acquired, in addition to transaction information (purchased product name, payment amount, etc.), customer signature column, etc., an image of the acquired credit card is acquired on the store receipt. Data is printed. The customer confirms the contents printed on the presented store receipt, and if there is no mistake, the customer signs his / her signature as a confirmation and returns it to the store. At the store, the signature written on the credit card is compared with the signature written on the receipt for the store copy to verify the identity. At this time, if the signature written on the credit card is also captured as image data and printed on the store receipt, the customer's handwritten signature will be made on the same receipt, so both signatures can be compared on the spot. Can be identified immediately.

  The store receipt received after being signed is stored in the store or the management department for a predetermined period. These documents are used as documents that prove the existence of a transaction when there is an inquiry from a credit card company, a question from a customer about the use of a credit card, or a complaint. The receipt for the store according to the present invention is a sheet of paper in which the details of use and the image of the credit card used are integrated, and the customer's signature on the paper is signed. The actual situation can be traced more accurately, and the range confirmed by the signer can be proved more clearly.

  Such credit card image data can be printed only when the magnetic recording data cannot be read, and the image data can be obtained and printed on the store receipt. In all credit transactions, it is also possible to issue a store copy receipt printed with image data. In the description of the embodiment of the present invention, an example in which the magnetic recording data of a credit card is read by a magnetic recording reader is described. However, in the case of a credit card in the form of an IC card, the recorded electronic data is not shown. It may be read by a contact type or non-contact type IC card reader.

(Example of receipts for store use)
First, FIG. 1 shows an embodiment of a store copy receipt 10 issued according to the present invention. Store information 11 such as a standard store name and telephone number is printed on the top, and a purchaser's name, settlement date, and transaction data 12 are printed below. As the transaction data, the purchased product name “ABCDEFG” and its price, discount amount, consumption tax amount and total payment amount are exemplified. Further below that, an image 13 of the acquired credit card is printed, and a signature column 14 with a line segment is provided at the bottom. After confirming that there is no mistake in the printed contents, the customer signs as an intention to approve the payment process by credit card. In addition to these information, it is also possible to print information such as a credit card number and a receipt number.

  Although not shown in FIG. 1, a word indicating an intention indicating that “I want to pay the payment amount printed on this receipt with the credit card of the above image” is displayed immediately above the signature column 14. It is also possible to print (text). The signature written on the credit card at the upper part of the signature field 14 can also be captured as image data and printed.

  The store receipt according to the present invention is characterized by comprising a credit card image, and for print items other than the credit card image, printing required in individual stores or the like that implement the present invention. Items can be freely added or deleted. For example, by attaching the same serial number to the store receipt and linking the store receipt, it is possible to describe only the total payment amount on the store receipt. Although the ability to prove the transaction details will decline, the number of items printed on the store receipt will not change depending on the transaction details when there are many transaction items (purchased products) at stores such as supermarkets. Storage is easy because the size is fixed.

(Example of system configuration for issuing store receipts)
FIG. 2 is a functional block diagram illustrating an example of a store system for issuing a store receipt according to the present invention. In the example of FIG. 2, an example of a POS system including a POS server and a POS terminal device is shown, but the present invention can be applied even to a stand-alone payment terminal device. The POS server 21 may be connected to a POS center management system that manages a plurality of stores or sales floors.

  A POS terminal device 22 is connected to the POS server 21 as a settlement terminal device. In response to a request from the POS terminal device 22, price information of purchased products is provided, and inventory information and sales information are immediately available at the time of sale. Update to The POS terminal device 22 includes a key input device, a barcode scanner, a display device, and the like (not shown). The POS terminal device 22 is further connected to a printing device 23, a magnetic reading device 24, an image reading device 25, and a CAT terminal 26.

  The CAT terminal 26 is an inquiry terminal for confirming the credit status of the credit card online, and is connected to the POS system to make a credit inquiry based on the credit card number from the POS system, or It can also be used as an independent inquiry terminal separately from the POS system. The CAT terminal 26 is normally used to check the credit card credit status when the settlement amount is equal to or greater than a predetermined amount.

  The store receipt according to the present invention can be issued by a payment terminal including a printing device 23, a magnetic reading device 24, and an image reading device 25. However, as shown in FIG. 2, each device is individually independent. There is no need. Rather, as shown in FIG. 3, by integrating the printing function, magnetic reading function, and image reading function in the printing apparatus, the area occupied by the checkout counter can be reduced, and the convenience of operation is enhanced.

  Hereinafter, the issue of the store receipt according to the present invention will be described using the checkout processing system shown in FIG. 3 has a magnetic reading function and an image reading function in addition to the printing function. In FIG. 3, each function of the printing apparatus 30 is shown as a printing unit 23a, a magnetic reading unit 24a, and an image reading unit 25a.

  The settlement procedure using the system of FIG. 3 will be briefly described. For example, when a customer purchases a predetermined product in a supermarket, the bar code attached to the product is read by the POS terminal device 22 by a bar code scanner, and the name of the purchased product based on the read bar code data, Product information such as price data is input as transaction information. A printing device 30 is connected to the POS terminal device 22.

  In the case of a transaction card such as a credit card, the magnetic recording data is read by the magnetic reading unit 24a of the printing apparatus 30, and the image data of the credit card is read by the image reading unit 25a as necessary. Based on the input data, the printing apparatus 30 prints the customer receipt, the store receipt 10 and the like on a print sheet, a slip sheet, or the like. When the image data of the card is acquired, the image data is printed on the store receipt.

  The magnetic reading unit 24a of the printing apparatus 30 reads the magnetic recording data recorded on the credit card by sliding it along the reading groove for guiding the credit card. The image reading unit 25a includes an area sensor made of, for example, a CCD or a CMOS, acquires image data (image data) on the credit card surface, and stores it as electronic data. A contact image sensor (CIS) can also be used as the image reading means. However, in the case of CIS, it may be difficult to obtain a clear image of embossed characters. It is desirable to use means.

  4 and 5 show an example of the printing apparatus shown in FIG. 4 is a perspective view of the printing apparatus 30, and FIG. 5 is a central longitudinal sectional view thereof. As shown in FIG. 3, the printing apparatus 30 includes a printing unit 23a, a magnetic reading unit 24a, and an image reading unit 25a, and has a magnetic recording reading function and an image reading function in addition to the printing function.

  Inside the printing apparatus 30, a roll paper 40 in which printing paper is rolled up is accommodated. The printing paper drawn from the roll paper 40 is printed by passing through the printing head 37, and is discharged from a receipt issuing port 39 through a movable blade 38 that cuts the printed receipt at a predetermined position.

  The magnetic reading unit 24a includes a reading groove 31 for sliding a credit card (see FIG. 4). Inside the reading groove 31 is provided a magnetic reading head (not shown) for reading the magnetic recording data on the credit card.

  The image reading unit 25a is provided with an imaging stand 32 provided with a flat plate having translucency close to transparency, such as glass, on the front surface. The imaging stand 32 is inclined upward and obliquely upward. When acquiring a credit card image, the credit card 70 (see FIG. 5) is placed on the imaging base 32 with the surface to be imaged down, and imaging is performed. The imaging stand 32 is provided with a support guide 33 for supporting the credit card 70.

  An area sensor 36 (see FIG. 5) such as a CCD or C-MOS is provided as an imaging element on the back side of the imaging stand 32 (inside the image reading unit 25a), and acquires image data of the credit card 70. Can do. In addition, it can also comprise so that an image acquisition may be performed by CIS by comprising the back side of the glass surface of the imaging stand 32 so that CIS may contact and move (not shown).

  Even if the credit card 70 is configured to start imaging by providing the imaging switch 34 and pressing the imaging switch 34, a sensor (not shown) indicates that the credit card 70 is set on the imaging table 32. The image may be automatically captured after a predetermined period has elapsed after detection. The read image data is temporarily or long-term stored in an image storage unit in the printing apparatus 30 and printed on the store receipt 10 in accordance with a print command from the payment terminal apparatus 22.

  Further, the store receipt 10 that has been signed by the customer is placed on the imaging stand 32, the store receipt 10 after the signature is imaged, and the captured image data is stored in a searchable manner. Is also possible. In this case, the acquired image data may be stored in the checkout terminal device or any other device, but it is preferable to store in the terminal device operating on a general-purpose OS from the viewpoint of security. Absent. Therefore, it is desirable to store in the printing apparatus 30 that operates with its own specifications.

  FIG. 6 shows a functional block diagram of the printing apparatus 30 shown in FIGS. The printing device 30 includes an interface 51 with a settlement terminal device 22 such as a POS terminal device which is an external device, a control unit 52, a print buffer 53, a printing mechanism 54, a magnetic reading unit 24a, an image reading unit 25a including an area sensor, And an image storage unit 60. In addition to controlling the overall operation of the printing apparatus 30, the control unit 52 includes a magnetic reading control unit 56, an image reading control unit 57, and the like. Furthermore, a decoding processing unit 58 that reads (decodes) the transaction card number from the image data can be provided.

  The printing apparatus 30 is connected to a payment terminal apparatus such as a POS terminal apparatus via the interface 51 for communication. Data read by the magnetic reading unit 24 a is transmitted to the payment terminal device 22 via the control unit 52 and the interface 51. The image reading unit 25 a images the credit card 70 placed on the imaging stand 32 under the control of the image reading control unit 55 and acquires image data of the credit card 70. The acquired image data is temporarily stored in the image storage unit 60. Based on the print command, the image data is transferred to the print buffer and printed on the store receipt.

  Further, the image data of the store receipt after the signature can be stored in the image storage unit 60 so as to be searchable by being read by the image reading unit 25a. To store in a searchable manner, for example, store the store image so that the corresponding image data can be detected and read out using the store receipt number, credit number, date and customer name as search keys. Say. The search is performed by the image search control unit 59 in accordance with a search command from the settlement terminal device or the like.

  The storage unit 60 may be a memory such as a so-called RAM or flash ROM, or a recording device such as a disk device or a DVD. Further, as described above, from the viewpoint of security, it is preferable to store these image data in the printing apparatus, but it is also possible to store them in the payment terminal apparatus and other apparatuses.

(Procedure for issuing store receipts)
Next, a procedure for issuing a store receipt will be described using a flowchart. FIG. 7 is a flowchart showing an embodiment of a processing procedure for issuing a store receipt according to the present invention using the settlement system as shown in FIG. 2 or 3.

  When the provision of various services such as the provision of meals at restaurants, beauty massages, etc. is completed, transaction data such as the name and price of the provided service or purchased product is settled by a barcode scanner or key input device at the settlement counter (S101). In the case of payment by credit card, the magnetic recording data of the credit card received from the customer is read (S102). In the case of an error in reading the magnetic recording data (S103; Yes), the operator reads the card number recorded on the credit card and inputs it by key operation (S110). When the magnetic recording data can be read (S103; No), or when the key input is completed (S110), image data on the surface of the credit card is acquired (S104). Next, the credit status of the credit card used in block 81 is checked according to a predetermined condition such as the transaction amount (S105).

  When a credit check is performed (S105; Yes), a credit inquiry is made to the credit confirmation system online via a CAT system or the like (S106). If there is a problem with the credit status of the credit card (S107; No), the credit card transaction is stopped (S111).

  When the credit check is not performed (S105; No), or when there is no problem in the credit status (S107; Yes), a store receipt receipt on which a credit card image is printed is issued (S108). When the customer confirms the store receipt and signs it, the payment terminal performs a payment process, a customer receipt is issued (S108), and a standby state for the next payment process is entered.

  In this example, the settlement process and the receipt are issued after the customer signature is completed. However, the settlement process is performed immediately after the credit check is completed (S107; Yes) or after the credit check is not required (S105; No). It is also possible to output the store receipt and the customer receipt continuously. At that time, the order of receipt output may be any first, and it may be configured to print the receipt for the store after the receipt for the customer is printed first.

  FIG. 8 is a flowchart showing another embodiment of a checkout process procedure for issuing a store receipt according to the present invention. In this embodiment, depending on whether or not the magnetic recording data of the credit card can be read (S203), a store receipt without an image of the credit card is issued (S207), or a store receipt with an image printed is issued. It is decided whether to do (S213). When reading magnetic recording data is possible, there is little possibility of trouble occurring at a later date, but when reading magnetic recording data is not possible, there is a possibility of an error in key input operation and trouble may occur at a later date. The nature is also relatively high.

  In such a case, if a credit card image is printed on the store receipt, the card number can be confirmed from the image and the surface design of the card can be confirmed if a problem occurs later. It is. This is because it is possible to confirm an input error, use of an illegal card, and the like.

  When the magnetic recording data can be read normally (S203; No), the credit status of the credit card used is confirmed as necessary for confirmation of the credit (S204, S205, S206). If the use of the credit card is not permitted by the credit check (S206; No), the transaction using the credit card is stopped (S215), and the transaction using the credit card is stopped (S215). In this case, it is also possible to use a processing procedure for switching to cash transactions.

  When there is no problem in the credit check (S206; Yes), or when the credit check is unnecessary (S204; Yes), a store receipt without a credit image is printed (S207). The store receipt is printed with the same content as the store receipt 10 described above, except that no credit card image is printed. Upon receipt of the signed store receipt from the customer, the transaction settlement process is confirmed and a customer receipt is issued (S214).

  When a reading error of the magnetic recording data occurs (S203; Yes), the image data of the credit card is acquired by the image reading device (S208). Thereafter, a card number is input (S209), a credit check is performed as necessary (S211, S212), and if the credit is not possible (S212; No), the transaction is stopped (S215). If credit is possible (s212; Yes), a store receipt for printing a credit card image is issued from the printing device (S213). Upon receipt of the signed store receipt from the customer, the transaction settlement process is finalized and a customer receipt is issued.

  In FIGS. 7 and 8, the credit check blocks 81 and 82 may be omitted.

  Further, by using the printing apparatus 30 according to FIG. 3, the present invention includes magnetic recording data reading processing, credit card image reading processing, store receipt receipt printing processing, signed store receipt receipt storage processing, and the like. By configuring the control unit 52 to control all of the specific checkout process associated with the checkout process using such a credit card, it is possible to introduce the printing device 30 without changing the specifications of the POS terminal device and the POS system. It becomes possible to issue a receipt for a store according to the present invention.

It is a figure which shows the example of the receipt for shop receipts issued by the processing procedure of this invention. It is a functional block diagram which shows an example of the store system for implement | achieving the payment processing method by a transaction card using the printing apparatus concerning this invention. It is a functional block diagram which shows the other example of the shop system for implement | achieving the payment processing method by a transaction card using the printing apparatus concerning this invention. 1 is a perspective view showing a printing apparatus according to an embodiment of the present invention. It is a center longitudinal cross-sectional view of the printing apparatus shown in FIG. FIG. 4 is a functional block diagram of the printing apparatus shown in FIG. 3. It is a flowchart which shows one Embodiment of the issuing process procedure of the receipt for shop receipts concerning this invention in the adjustment process by a transaction card. It is a flowchart which shows other embodiment of the issuing process procedure of the receipt for shop receipts concerning this invention in the adjustment process by a transaction card.

Explanation of symbols

10 Store Receipt 11 Store Information 12 Transaction Information 13 Credit Card Image Data 14 Signature Field 23, 30 Printing Device 24 Magnetic Reading Device 25 Image Reading Device 31 Reading Groove 32 Imaging Stand 33 Support Guide 34 Imaging Switch 36 Area Sensor 37 Printing Head 38 Movable blade 39 Receipt discharge port 40 Roll paper 70 Transaction card

Claims (6)

Transaction information to be settled,
Transaction card image data used for checkout,
A signature line signed by the user of the transaction card,
A receipt for store use.   The store receipt according to claim 1, wherein the transaction information includes a transaction store name, transaction date, transaction content, and transaction amount.   The receipt number for identifying the transaction, the number of the transaction card used, the name of the other party of the transaction, the address of the store where the transaction was made, and at least one of the telephone numbers are further included. Store receipts.   The store receipt according to claim 1, wherein the image data of the transaction card includes a signature of a user of the transaction card described on the transaction card.   The store receipt according to claim 1, wherein the signature field includes a line segment. A method for issuing a receipt for a store in the settlement with a transaction card,
(A) inputting predetermined transaction information including a transaction target item, an amount, and a transaction quantity; (b) reading electronic record data of the transaction card;
(C) obtaining image data of the card surface;
(D) printing the transaction information including the input predetermined transaction information, the card information, the image data, and a signature column of the transaction card user according to a predetermined format;
A method for issuing a receipt for a store copy.

Images