JPH02289000A - Installment plan information processor - Google Patents

Abstract

PURPOSE:To clearly show one of a divided amount of an amount to be paid for each time at least to a customer easily and speedily by calculating the divided amount and amount to be paid for each time with the price of a merchandise as an installment plan objective amount when the price of the merchandise and the time of the installment plan are inputted and outputting one of these amounts at least. CONSTITUTION:When the price of the merchandise and the time of the installment plan are inputted by an input means 15, the price of the merchandise is stored in a merchandise price storage area 21 and the time of the installment plan is stored in an installment plan time storage area 22 respectively. A control means 11 calculates the amount to be paid from the price of the merchandise stored in the merchandise price storage area 21 and interest, which is stored in interest storage areas 26-28, to the time of the installment plan stored in the installment plan storage area 22. Continuously, the divided amount for each time is calculated from the amount to be paid and the time of the installment plan stored in the installment plan time storage area 22. Finally, one of these amount to be paid and the divided amount for each time is outputted to an output means 18 at least. Thus, the amount to be paid or the divided amount for each time is clearly shown to the customer easily and speedily.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an installment payment information processing device. For more information,
The present invention relates to an installment payment information processing device that can clearly indicate to the customer, for example, the amount of each installment and the total payment amount when the customer attempts to purchase a product by installment payment.

[Prior Art] Traditionally, when a customer attempts to purchase a product in installments at a retail store, the seller calculates the amount of each installment and the total amount using a calculator based on the amount of the product, the number of installments, the approximate interest rate, etc. The payment amount is estimated and clearly communicated to the customer.

Therefore, the customer decides whether to purchase the product or not based on the clearly stated approximate installment amount for each purchase and the total payment amount. When purchasing a product in installments, the customer confirms the exact amount of each installment and total payment amount from the statement sent by the credit card company after purchase, and makes the payment accordingly.

1-Problem to be solved by the invention] As in the past, when a customer wishes to purchase a product in installments,
Not being able to clearly state the exact amount of each installment or total payment amount to the customer on the spot means not being able to provide accurate information to the customer to decide whether or not to purchase the product. Therefore, those who are unfriendly to customers are a factor that reduces the purchasing power of customers.

On the other hand, if the seller uses a calculator on the spot to accurately calculate the installment amount and total payment amount for each installment, it is not only troublesome but also time-consuming, resulting in a delay in responding to the customer. This leads to a decrease in service.

In particular, in the case of installment purchases, the interest rate varies depending on the credit company and the number of installments, so calculate the installment amount and total payment amount for each installment based on the interest rate corresponding to the credit company and number of installments desired by the customer. Because I have to
Calculation is more troublesome.

Moreover, calculations become even more troublesome when the customer requests a down payment or a bonus payment. Therefore, it is actually difficult for the seller to accurately calculate the amount of each installment and the total amount to be paid, including these, using a calculator.

The object of the present invention is to solve such conventional problems and to enable the customer to easily and quickly clarify the amount of installments and payment amount for each purchase when the customer wishes to make a purchase in installments. An object of the present invention is to provide an installment payment information processing device.

Means for Solving Problem 1] The invention as set forth in claim 1 includes an input means for inputting the product amount and the number of divisions, a product amount storage area for storing the product amount input by the input means, a storage means having a division number storage area for storing the number of divisions input by the input means and an interest rate storage area for storing the interest rate corresponding to the number of divisions; an output means; and a product amount stored in the product amount storage area. and a payment amount calculation means for calculating a payment amount from the interest rate stored in the interest rate storage area and corresponding to the number of divisions stored in the number of division storage area, the payment amount calculated by the payment amount calculation means and the number of divisions. It has a split amount calculation means for calculating the split amount for each installment from the number of splits stored in the storage area, and means for outputting the payment amount and at least one of the split amount for each installment to the 1ifr output -r stage. Control means; 1. , ,l':
, , and knee.

Well, the invention as claimed in claim 210 has input elements 9 and 1. for inputting the product amount, the number of minutes and the down payment amount. m1 item amount storage area for storing the product amount input by the input means of ``, a division number storage area for storing the number of divisions input by the person 11 means, and a down payment for storing the down payment amount input by the input means. a storage means having an amount storage area and an interest rate storage area storing an interest rate corresponding to the number of divisions; a first output stage; a product amount stored in the product amount storage area and a down payment amount stored in the down payment amount storage area; a split target amount calculation means for calculating the split target amount from the split target amount calculation means, and an interest rate corresponding to the split target amount calculated by the split target amount calculation means and the number of splits stored in the interest rate storage area and the split number storage area; a payment amount calculation means for calculating the payment amount from the payment amount calculation means, a division amount calculation means for calculating the division amount for each installment from the payment amount calculated by the payment amount calculation means and the number of divisions stored in the nir storage number of divisions storage area; Total payment amount calculation means for calculating the total payment amount from the down payment amount stored in the down payment amount storage area and the payment amount calculated by the payment amount calculation means, and at least one of the total payment amount and the divided amount for each installment. The present invention is characterized by comprising: a control means having means for applying an output to the output means.

The invention as set forth in claim 3 further includes an input means for inputting the product amount, the number of divisions, and the amount paid at the time of bonus, a product amount storage area for storing the product amount input by the input means, and the input device. It has a division number storage area for storing the number of divisions input by the means, a bonus payment amount storage area for storing the bonus payment amount input by the input means, and an interest rate storage area for storing the interest rate corresponding to the number of divisions. A payment method that calculates a payment amount from a storage means, an output means, a product amount stored in the product amount storage area, an interest rate stored in the interest rate storage area, and corresponding to the number of divisions stored in the division number storage area. Amount calculating means calculates the number of bonus payments from the number of divisions stored in the division number storage area, and calculates the total bonus payment amount from the bonus payment number and the bonus payment amount stored in the bonus payment amount storage area. Bonus payment total amount calculation means; equal split amount calculation means for calculating an equal split amount from the payment amount calculated by the payment amount calculation means and the bonus payment total amount calculated by the bonus payment total amount calculation means; The amount to be divided equally and the amount calculated by the means for calculating the amount to be divided equally? , a control means having a split amount calculation means for calculating a split amount for each installment from the number of splits stored in a JJ number storage area, and a means for causing the output means to output at least one of the payment amount and the split amount for each installment; ,
It is characterized by having the following.

Further, in the invention described in claim 4, there is provided an input means for inputting the product amount, the number of divisions, and credit company designation information for specifying one of a plurality of credit sales companies, and information input by the input means. storage means having a product amount storage area for storing the product amount, a division number storage area for storing the number of divisions inputted by the input means, and an interest rate storage area for storing interest rates corresponding to the number of divisions for each of the plurality of credit sales companies; , an output means, and calculates the payment amount from the product amount stored in the product amount storage area, the number of divisions stored in the interest rate storage area, and the interest rate corresponding to the credit company specified information. A payment amount calculation means to be obtained; a division amount calculation means for calculating a division amount for each installment from the payment amount determined by the payment amount calculation means and the number of divisions stored in the division number storage area; [1] In the invention set forth in claim 1, the product amount and the number of divisions are determined by the input means. When inputting , the product amount is stored in the product amount storage area, and the number of divisions is stored in the division number storage area.

Then, the control means calculates the payment amount from the product amount stored in the product amount storage area and the interest rate corresponding to the number of divisions stored in the interest rate storage area and stored in the division number storage area. Subsequently, the divided amount for each installment is calculated from the payment amount and the number of divisions stored in the division number storage area. Finally, at least one of the payment amounts and the divided amounts for each installment is outputted to the output means.

Therefore, the amount to be paid or the amount to be paid each time can be clearly indicated to the customer easily and quickly. This can reduce labor on the seller's side, and can also respond quickly to customers, contributing to improved service.

Further, in the invention described in claim 2, when the product amount, the number of divisions, and the down payment amount are input using the input means, the product amount is stored in the product amount storage area, the number of divisions is stored in the division number storage area, and the down payment amount is stored in the down payment amount. Each is stored in a storage area.

Then, the control means determines the amount to be divided from the product amount stored in the product amount storage area and the down payment amount stored in the down payment amount storage area. Next, the payment amount is calculated from the amount to be divided and the interest rate corresponding to the number of divisions stored in the interest rate storage area and the number of divisions storage area. Calculate the divided amount for each session from the number of times. Further, the total payment amount is calculated from the down payment amount and the payment amount.

Finally, at least one of the payment amounts and the divided amounts for each payment is output to the output stage f.

Therefore, the customer can know at least one of the total amount to be paid when the down payment amount is deposited and the amount of each installment, so information that meets the customer's needs can be provided.

Further, in the invention described in claim 3, when the product amount, the number of divisions, and the amount to be paid at the time of bonus are inputted by the input means, the product amount is stored in the product amount storage area, and the number of divisions is stored in the number of divisions storage area. The payment amount is stored in each bonus payment amount storage area.

Then, the control means calculates the payment amount from the product amount stored in the product amount storage area and the interest rate corresponding to the number of divisions stored in the interest rate storage area and stored in the division number storage area6. The number of bonus payments is determined from the number of divisions stored in the area, and the total amount paid at the time of the bonus is determined from the number of bonus payments and the amount paid at the time of the bonus stored in the amount storage area for the amount paid at the time of the bonus. Subsequently, the amount to be divided equally is calculated from the payment amount and the total amount paid at the time of bonus. continue,
The amount of money to be divided for each time is calculated from the amount to be equally divided and the number of times of division stored in the number of division storage area. Finally, at least one of the payment amounts and the divided amounts for each installment is outputted to the output means.

Therefore, since the customer can know at least one of the payment amount including the bonus payment amount and the divided amount for each time, it is possible to provide information that meets the customer's requirements.

Further, in the invention described in claim 4, when the product amount, the number of divisions, and the credit company specified information are inputted by the input means, the product amount is stored in the product amount storage area, and the number of divisions is stored in the division number storage area. .

Then, the control means calculates the payment amount from the product amount stored in the product amount storage area, the number of divisions stored in the interest rate storage area and the number of division storage area, and the interest rate corresponding to the credit company specification information. Subsequently, the divided amount for each installment is calculated from the payment amount and the number of divisions stored in the division number storage area. Finally, at least one of the payment amounts and the divided amounts for each installment is outputted to the output means.

Therefore, the credit company that the customer desires can easily and quickly specify the interest payment amount corresponding to the number of installments or the installment amount for each installment, providing information that meets the customer's needs. can do.

[Example] Hereinafter, an example in which the present invention is incorporated into an electronic cash register (ECT) will be described with reference to the drawings.

First Embodiment The first embodiment is shown in FIGS. 1 to 5. First, in FIG. 1, 11 is a CPU. The CPU II is connected through an address/data bus 12 to a ROM 13 storing a program that determines the operation of the CPU 1, a RAM 14 as a storage means, a keyboard 15 as an input means, a display 16, a drawer 17, and an output means. Printers 18 are connected to each.

As shown in FIG. 3, the keyboard 15 includes control keys 41, roOJ rQ, numeric keys 42.1r) plj'DP2J..., department keys 43, and "a". ~[In addition to the keys normally provided in the ECR, such as the responsible person key 44 up to hJ, the subtotal key 45, and the deposit/cash total key 46, there are also division keys 47 for inputting installment payment information,
Number of times key 48, bonus key 49 and down payment -8-50
are provided for each.

The control key 41 controls the power on and off, and also instructs the CPU II to execute various tasks such as "registration", "inspection", "accounting", etc.

Here, "registration" refers to the price of sold products, etc.
This refers to the work of storing information in the AM 14, calculating the total amount, etc., and having the printer 18 print the results on receipts and journals. ``Inspection'' refers to the total sales amount and sales cumulatively stored in the RAM 14 by ``registration''.
- Refers to the task of converting the total score etc. from pudding l to au 1.

[Settlement] means, for example, at the end of the day's work, print out the total amount of sales cumulatively stored in the RAM 14 through registration 1, the total score of sales, etc. % A M Refers to the work to clear the contents of 1.4. "Calculation" is based on the entered product amount, number of splits, bonus payment amount, and down payment amount.
Calculate the monthly installment amount and total payment amount, etc.
This refers to the work of printing and processing it.

In addition to areas for storing various data sold through "registration", RA, Ml, and 4 also have various areas for storing installment payment information (ψ) and A flag is set.

Here, the various areas in which installment payment information is recorded include the product amount storage area 21, the number of installments storage area 22, the bonus payment amount storage area 23, the down payment amount storage area 27', and the applicable interest rate storage area. Area 25, interest storage area 26 corresponding to the number of divisions (N=-12), interest storage area 27 corresponding to the number of divisions (N=24>)
, interest rate storage area 28 corresponding to the number of divisions (N=36)
, 2 storage areas for the amount to be divided, payment amount storage area T
30, Bonus payment frequency storage area 31, Bonus payment total amount storage area 32, Equal portion Il! Target money'm storage area 33. Monthly split amount storage area 371, 6 product amount storage area 21 which is the total payment amount storage area 35, division number storage area γ22, bonus payment amount storage area 23, and down payment amount storage area Area 24 includes the number key 42, the division key 4'7, and the number key 4.
8. The product amount, the number of divisions, the amount paid at the time of bonus, and the amount of down payment inputted by bonus A-49 and down payment disease-50 are respectively stored.

The applicable warehouse storage area 25 has a curved interest storage area 2G.
, 27.28, the interest rate corresponding to the input number of divisions is selected and stored. minutes; 11 times (, N =
1.2) The interest rate storage area 26 corresponding to the number of divisions (
In the interest rate storage area 27 corresponding to N=-24> and the interest rate storage area 28 corresponding to the number of divisions (N-36), an interest rate of W corresponding to each number of divisions is stored in advance6. These interest rates can be set and changed as appropriate through operations from the A-board 15.

Split amount storage area 29, payment amount storage area 30
, bonus payment IUi number storage area 31, bonus payment total amount storage up a' 32, equal division amount storage] - rear 3' 3.1 per F-1 a) minute; 911 amount storage area 34 and total payment lingering storage area ゛35 (,
, :ha, after) 48 divisions 4 mu pieces of information are planned~)'
The amount to be divided, the payment amount, the number of bonus payments, the bonus payment amount d1, the amount to be divided equally, the amount to be divided per month, and the total amount paid per person are now stored in i1. ing.

In addition, various flags include the split key flag 36, the number of times key flag 37, the bonus key flag 38, and the down payment A.
-Flag 39.

CPU] 1 executes each task according to the program stored in the ROM 13, including 1-Registration, 1 Inspection, 1, and Settlement.
To execute the processing shown in the figure (A>(B)(C)(J)>(E), a controller F9 is configured by CPU II, R, OMl, and 3. , In addition to performing each task of [Registration I [Inspection 1 [Precision''!s, i], in the 1d4 calculation j task, perform
) (D) The means to carry out the process not shown in (E) are
6 In other words! i11 Calculate the down payment amount to η from the product amount stored in the product amount storage area 21 in the down payment amount storage area 246: Stored iEf: Calculate the down payment amount to η1. A means for calculating the amount to be divided by calculating the amount to be divided, fI'Q
6J-Thus, hf is calculated, 1st division target amount and 114th interest rate stored in J Nilia 26, 27. A payment amount calculation means that calculates the payment amount by multiplying the number of divisions stored in the division number storage area 14 and the number of bonus payments, and calculates the number of bonus payments and the number of bonus payments stored in the bonus payment amount storage area γ23. Bonus payment total amount calculation means for calculating the total bonus payment amount by multiplying by the stored bonus payment amount, and a bonus payment calculated by the bonus payment total amount calculation means from the payment amount calculated by the payment amount calculation means. an equal split amount calculation means for subtracting the total amount to obtain an equal split amount; and dividing the equal split amount calculated by the equal split amount calculation means by the number of splits stored in the split number storage area 24; A split amount calculation means for calculating the split amount for each installment, and a step 3 for calculating the total payment amount by adding the down payment amount recorded in the down payment amount storage area 2/1 and the payment amount.
It includes a payment amount calculation means, a means for printing the down payment amount, the amount of each installment, the number of divisions, the amount paid at the time of bonus, the number of bonus payments, and the total payment amount using the printer 18.

Next, the operation of this embodiment will be explained. In addition, 1-Registration 1
“Inspection” [For each task of settlement 1, normal EC
Since it is the same as R, here we will only explain the "calculation" work when calculating installment payment information.6 When calculating installment payment information, first, switch the control key 41 to 1 calculation , place number A
After inputting the product price using -42, the division key 47 is pressed. Next, after inputting the number of divisions using the number key 42, the number key 48 is pressed.

Finally, press the subtotal key 45. In addition, if there is a payment at the time of bonus, after the number of times key 48, set number -'1-
After inputting the amount to be paid at the time of bonus (amount to be paid at time of bonus) by -42, the bonus key 49 is pressed. In addition, if there is a deposit as a down payment, there will be a bonus
Subsequently, after inputting the down payment amount using the number A-42, the down payment key 50 is pressed.

On the other hand, CP L No. 1] is shown in Figure 5 (A) (B) (C) (
1)>(E>) The process is executed according to the flowchart 1~ shown in FIG.
Determine if is in "calculation" mode.

If it is not the "calculation" mode, the process advances to ST2 and other mode processing is performed. If you are in "calculation" mode, ST 3~ST
At step 8, it is determined what the input key is.

If none of the subtotal key 45, number key 42, division key 47, number key 48, bonus A to -49, and down payment -'e-50 are missing, it is treated as an error.

In S'r5, when it is recognized that the division key 47 has been pressed, the inputted number data (in this case, the product amount) is stored in the product amount storage area 2 in 5T11\Advance ST4.
After 1 head door, press S 'F12 to set split key flag 36
Put “ ] ” on it.

In ST6, when it is recognized that the number of times key 48 has been pressed, the process advances to 5T13 and the 1V number data inputted in ST4 is '12', '24', '36'''
Determine whether it is either. If the numeric data is not any of the above, it is treated as an error. If it is set number data or any of the above, proceed to S T 1.4 and store the set number data (in this case, the number of divisions) to the number of division storage area 22, and then, at 5T15, move to the interest rate storage area 26. 27. After selecting the interest rate corresponding to the number of divisions from 28 and moving it to the applied interest rate storage area 25, select S
T16 and sets the number of times key flag 37 to '1'.

At S '1' 7, when recognizing that -49 has been pressed to the bonus, proceed to S 'F4
The entered number data (in this case, the bonus payment amount) is stored in the bonus payment amount storage area 23 Hes 1~
After that, S i' 18 sets the bonus key flag 38 to °'1''.

In ST8, when it is recognized that the down payment key 50 has been pressed, the process advances to S'V19 and stores the number data inputted in ST4 (in this case, the down payment amount) in the down payment amount storage area 2.
After 4 hess doors, down payment key flag 3 with ST' 20
Set '1' to 9.

Therefore, when the product amount, number of splits, bonus payment amount, and down payment amount are input in sequence, the product amount is stored in the product amount storage area 21, and "'1" is set in the split key flag 36. is stored in the division number storage area 22, and the interest rate corresponding to the division number is stored in the applied interest rate storage area 25,
Moreover, "1" is set in the number of times key flag 37.

In addition, the bonus payment amount is stored in the bonus payment amount storage area 23, and the bonus key flag 3
The down payment amount is set in the down payment storage area 24, and "1" is set in the down payment 6-frac 39.

Therefore, if we understand that the subtotal key 45 was pressed in Sr1, the division key flag 36, number of times key flag 37, bonus key flag 38, and down payment key flag 39 are 1'' in S'I'21 to ST25. Judgment is made in order. Sr2] and S'I'2
In the determination of step 2, if both the division key flag 36 and the number of times key flag 37 are not '1', it is processed as an error.

In the judgments from 5T21 to 5T25, when it is recognized that all key flags 36, 37, 38, and 39 are '1'', it is determined that the product amount, number of divisions, bonus payment amount, and down payment amount have all been input. Once recognized, the process proceeds to flowchart 1 shown in FIG. 5(B) 6 First, in ST3], the contents of the down payment amount storage area 24 (down payment amount) are retrieved from the contents of the product amount storage area 21 (product amount). The amount to be divided is obtained by subtraction, and the amount to be divided is stored in the amount to be divided storage area 29.

Next, at 5T32, the division target amount storage area 2
The payment amount is obtained by multiplying the contents of 9 (the amount to be divided) by the contents of the applied interest rate storage area 25 (the interest rate corresponding to the number of divisions), and the payment amount is stored in the payment amount storage area 30. .

Subsequently, in Sr13 to ST35, it is determined whether the number of divisions is "12", "2/1", or "36'". If the number of divisions is 12'', then 5T36
Go to S'F37 and store the bonus payment number ``'2'' in the bonus payment number storage area 31, then proceed to S'F37 and store the contents of the bonus payment amount storage area 23 (the bonus payment amount) and the bonus payment number storage area 31. The contents of (
After multiplying by the number of bonus payments "2") to obtain the total bonus payment amount, the total bonus payment amount is transferred to the total bonus payment amount storage area 32.
Proceed to.

If the number of divisions is "24", proceed to ST38 and add the bonus payment number "'4" to the bonus payment number storage area 31, then proceed to 5T39 and store the contents of the bonus payment amount storage area 23. (Bonus payment amount) is multiplied by the contents of the bonus payment number storage area 31 (Bonus payment number "4") to obtain the bonus payment amount 31.
After calculating the amount and transferring the amount of the bonus payment amount to the total bonus payment amount storage area 32, select S.
' Proceed to 42.

Also, if the number of divisions is "36", proceed to 5T40 and set bonus payment number P6 "° to bonus payment number 4 character R.
Go to inner area 31, then proceed to S T 41\advance y novolis l, +i payment per person amount storage area 23 contents (bonus payment amount V) and contents of bonus payment number storage area 31 (Number of bonus payments "6") to find the total bonus payment amount, and after adding the total bonus payment amount to the total bonus payment amount storage area 32, proceed to ST/12 6 Next, 5T42 , subtract the contents of the total bonus payment amount storage area 32 (bonus payment amount) from the contents of the payment amount storage area 30 (payment amount) to obtain the amount to be divided equally, and divide the amount to be divided equally. Go to the target amount storage area 33.

Next, in ST 43, the contents of the equal-split amount storage area 33 (equal-split amount) are divided by the contents of the number-of-split storage area "22 (number of splits)" to obtain the monthly installment amount. , the monthly divided amount is stored in the monthly divided amount storage area 34.

Next, at ST44, the down payment amount storage area 2
4 (down payment amount) and the contents (payment amount) of the payment amount storage area 30 to obtain the combined J1 payment amount, and the total payment amount is stored in the Onkun payment amount storage area 135.
a.

Next, in ST45, the down payment amount storage area γ24
(down payment amount), the contents of the monthly installment amount storage area 34 (split amount per month), the contents of the number of division storage area 22 (number of divisions), the contents of the bonus payment amount storage area 23 (bonus contents of the bonus payment frequency storage area 31 (number of bonus payments) and contents of the total payment amount storage area 35 (total payment amount)
are printed by the printer 18. As a result, cash registers 1 to 1 shown in FIG. 4, for example, are issued.

Finally, in S ``I'' 4.6, the number of divisions (N=
12.24. ．． Interest rate storage area 26 corresponding to 36)
Clear the contents of each area and flag except 2728.

Therefore, in this case, the number of bonus payments, the total bonus payment amount, the monthly installment amount, and the total payment amount are determined by deducting the down payment amount from the product amount as the amount to be split. l-Sano'shiru. Therefore, even if the customer wishes to deposit a down payment and make a bonus payment, the customer can easily and quickly request installment payment information including these requests.

In addition, in the judgment of 5T21 to 5T25, if you recognize that all key flags 36, 37, and 38 except for the three down payment key flags are °'1''', that is, the product amount excluding the down payment amount, the number of divisions, and the bonus time. When it is recognized that the payment amount has been input, the process proceeds to flowchart 1- shown in FIG. After transferring the amount storage area 29J\, the amount shown in Figure 5 (
B) ST 32＼Go forward.

Therefore, in this case, since the down payment amount has not been input, the monthly installment amount and payment amount are calculated using the product amount as the amount to be divided. Note that since the content of the down payment amount storage area 24 is O, the total payment amount calculated in 5T44 and the total payment amount printed in ST45 are stored in the payment amount storage area 30.
matches the content of

In addition, in the same judgment of ST21-5T25, other key flags 36 and 37 except the bonus key flag 38
．． When we recognize that all 39 are "'11", that is, when we recognize that the product amount excluding the bonus payment amount, the number of divisions, and the down payment amount are input, 5 Figure 5 <I
)) Proceeds to the process shown in the flowchart. Therefore, S
At T52, the content of the down payment amount storage area 24 (down payment amount) is subtracted from the content of the product amount storage area 21 (product amount) to obtain the amount to be split, and the amount to be split is calculated in the division target amount storage area 29. \Store. continue,
At 5T53, the contents of the split target amount storage area 29 (split target amount) and the contents of the applied interest rate storage area 25 (interest rate corresponding to the number of splits) are multiplied to obtain the equal portion 1911 target amount (-insurance amount). , these will be divided equally into the target amount Higara, Shiria 33 and payment amount storage area 30＼
After moving to S'F43 in Figure 5(B), proceed to S'F43.

Therefore, in this case, the divided amount and payment amount per month are calculated using the result of subtracting the down payment amount from the product amount as the amount to be divided. In addition, the bonus payment amount storage area 23 and the bonus payment number storage area 31
Since the content of is O, the amount paid at the time of bonus and the number of bonus payments to be paid to Printout 1 at 5T45 are set to 0 and transferred to Printout 1.

In addition, in the judgments from 5T21 to S'F25, when it is recognized that the other key flags 36 and 37 except the bonus key flag 38 and the down payment key flag 39 are both "'1", that is, the product amount and the number of divisions are input. When it is recognized that the amount is divided, the process proceeds to flowchart 1 shown in FIG. Transfer to 29. Then, ST”
55, the contents of the two split amount storage areas (split amount) and the contents of the applied interest rate storage area 25 (interest rate corresponding to the number of splits) are multiplied to obtain the equal split amount (payment amount). The equal split amount storage area 33 and the payment amount storage area 30 are moved. Subsequently, at 5T56, the equal split amount storage area 3
The contents of 3 (amount to be divided equally) are stored in the number of divisions storage area 2.
After dividing the amount by the contents of 2 (the number of divisions) to obtain the monthly installment amount, and storing the monthly installment amount in the monthly installment amount storage area 34, as shown in Fig. 5 (B). Proceed to 5T45.

Therefore, in this case, since the down payment amount has not been input, the monthly installment amount and payment amount are calculated using the product amount as the amount to be divided. In addition, down payment amount storage area 24, bonus payment amount storage area 2
3 and the contents of the bonus payment number storage area 31 are 0, so the down payment amount, bonus payment amount, and bonus payment number for Pudding 1 to Au 1 in S'r'45 are set as 0 and Pudding 1 is paid. .

Therefore, according to this embodiment, when the product amount and the number of divisions are entered from the keyboard J5, the monthly installment amount and payment amount are calculated using the product amount as the amount to be divided i15, and these are be sent to Therefore, the monthly installment amount and payment amount can be determined according to the interest rate corresponding to the number of installments desired by the customer, which reduces the labor on the seller's side and also allows for quick response to the customer. It can contribute to

In addition, by inputting the product amount, number of installments, and down payment amount from the keyboard 15, the monthly installment amount and payment amount are calculated using the amount obtained by subtracting the down payment amount from the product amount as the amount to be split. Au 1 ~ will be done. Therefore, even if the customer deposits the desired amount as a down payment, the monthly installment amount and payment amount can be determined easily and quickly, so that information matching the customer's request can be provided.

In addition, when the product amount, number of divisions, and bonus payment amount are entered from the keyboard 15, the product amount is used as the amount to be divided, and the number of bonus payments, total bonus payment amount,
The monthly installment amount and payment amount are determined, and these are printed out. Therefore, even if a customer wishes to pay at the time of a bonus, he or she can easily and quickly obtain the monthly installment amount excluding the total amount to be paid at the time of the bonus, thereby providing information that meets the customer's request. It is possible to share the same information.

In addition, if you input the product amount, number of splits, down payment amount, and bonus payment amount from the 6-board 15, the amount obtained by subtracting the down payment amount from the product amount will be set as the amount to be split, and the number of bonus payments, total bonus payment amount, and bonus payment amount will be calculated. - The monthly installment amount and total payment amount are calculated and printed out. Therefore, even if the customer wishes to deposit a down payment and pay at the time of bonus, installment payment information including these requests can be provided.

Second Embodiment The second embodiment allows the customer to calculate J1 installment payment using the credit company specified by the customer from among three credit companies and the interest rate of the number of installments. Figure 4 and Figure 4 are common, Figure 2 is Figure 6, Figure 3 is Figure 7.
In the figure, FIGS. 5(A) to (E) have been changed to FIGS. 8(A) and (B), respectively. Note that here, only the parts that are different from the first embodiment will be explained, and the explanation of the common parts will be omitted.

FIG. 6 shows interest rate storage areas 26 to 28 corresponding to the number of divisions in the first embodiment, and a division target amount storage area 29.
and the equal split target amount storage area 33 are omitted, and instead of A, B, C (the number of splits (N
Interest rate storage area 5l-(511~51.), 52 (521~
523), 53 (53, to 533) and a work area 40 are provided.

Interest rate storage area 5 of credit company A] (51,, ~513
), A is added for each number of divisions (N=12.24.36).
The credit company's 12-payment interest rate, 24-payment interest rate, and 36-payment interest rate are each stored. Similarly,
B credit company interest rate storage area 52 (52, ~ 523)
and C credit interest rate storage area 53 (s3+~53
3) also stores the 12th payment interest rate, the 24th payment interest rate, and the 36th payment interest rate of each credit company for each number of divisions (N=12, 24, 36).

In addition, FIG. 7 shows the number of times key 4.8 in the first embodiment.
is omitted.Instead, enter credit company designation information to specify any credit company from A to C credit sales companies.'A, 1 r) 3. I-C.

The A-54 designation is provided for the A-Jζ Sales Association.

In addition, in FIG. 8(A), the credit company designation A-54 determines whether or not the RF (receiver) is selected at S"F6, and on the condition that the credit sales company designation A-54 is pressed, l'
13 and ST 14, advance to 5T15/\(3
The interest rate corresponding to the number of divisions is selected from the interest rate storage areas 51 to 53 corresponding to the credit company specification information inputted by the sales company specification A-54, and is stored in the applied interest rate storage area 25. Next, the process advances to 5T15-1 and calculates the number of bonus payments from the number of divisions in the number of division storage area 22. In other words, if the number of divisions is "12"', then '2'
", if the number of 3 divisions is "24", then the number of divisions is 36'.
``If so, calculate 6''. Next, 5T1
The process has been changed to proceed to 5-2 and calculate the number of bonus payments in the bonus payment number storage area 31.

In Fig. 8(B), on the condition that the subtotal key 45 was pressed in ST3 of Fig. 8(A), 5T6
1. ．． Proceed to 62 and determine whether the split key flag 36 and the number of times key flag 37 are 1". Two-car flag 36.3
If both of 7 are not "]", it is treated as an error. If both flags 3637 are both °'1'', Sr
Proceed to step 13 and contents of product amount storage area 21 (product amount)
After being transferred to the work area 40, the process advances to 5T64 and it is determined whether the three down payment key flags are "1". If the three down payment key flags are "I", proceed to S' page 65 and subtract the contents of the down payment amount storage area 24 (down payment amount) from the contents of the work area 40 (product amount) to obtain the amount to be divided, and then calculate the amount to be split. After the amount to be divided is transferred to the work area 40, the process advances to 5T66.

Incidentally, if the down payment A-frac 39 is not "1", the process proceeds to 5T66 without performing the process of ST65.

In ST 66, the payment amount is calculated by multiplying the contents of the work area 40 (the amount to be divided) and the contents of the applicable interest rate storage area 25 < the interest rate corresponding to the fg sales company specified information and the number of divisions), and calculates the payment amount. After the payment amount is stored in the upstream address 30 and the work area 40, the process proceeds to S ``f'' 67, where it is determined whether the bonus A-fraction 38 is 1°''.

Here, if the bonus key flag 38 is "1",
: 'l'T' 68 '\ Advance bonus payout amount storage ' J Multiply the contents of 723 (B--- Amount paid at time) and the contents of Bonus payment 1 + IIFa storage area 31 (Number of bonus payments). Determine the amount of bonus payment d] and calculate the total bonus payment amount sfi (store in the rear '3 of each call and write
, then proceed to S ``I'' 69 and select the contents (payment amount) of the bonus tour 40 from the contents of the bonus payment name 31 and the amount stored in the inbound area 32 (bonus payment) 1, ~ j1 gold button). After subtracting the amount to be divided evenly and calculating the amount to be divided evenly, proceed to S'F70 after moving the amount to be divided equally to work area 40. In case, 5T68,6
Proceed to ST70 without performing the process in step 9.

At S T 70, the contents of the work area 40 (amount to be divided equally) are divided by the contents of the number of division storage area 22 (number of times of division) to obtain the divided amount per month.
After the monthly split amount is stored in the monthly split amount storage area ``34'', the process of 5T71, 72.73 is performed. Note that the processing of 5T71.72.73 is the first
This is the same as the processing of 5T44.45.46 in Example 4-4.

Therefore, after inputting the number of divisions using the number keys 42, if the customer presses one of the credit sales company designation tabs 54 corresponding to the fm sales meeting designated by the customer, the customer can select the number of divisions specified by the credit sales company A-54.
The interest rate corresponding to the number of divisions input by the number A-42 is selected from the interest rate storage areas 51 to 53 of any f8 sales company specified by , and is stored in the non-applicable interest rate storage area 25. , the number of bonus payments is calculated from the number of divisions and stored in the bonus payment number storage area 31.

Thereafter, when the subtotal key 45 is pressed, the monthly installment amount and payment amount are calculated based on the interest rate stored in the applied interest rate storage area 25. In this case as well, if you press one of the credit company designation keys 54 and input the bonus payment amount and down payment amount, the amount obtained by subtracting the down payment amount from the product amount will be set as the amount to be divided, and the number of bonus payments, The total bonus payment amount, monthly installment amount, and total 31 payment amount are calculated, and these are calculated as
~Being out. Therefore, the customer can request the monthly installment amount and payment amount based on the interest rate of the credit company that the customer desires, and can also provide the customer with information on the installment payment, including requests for down payment and payment at the time of bonus.

In addition, -1, in the second embodiment, the credit company is designated as 3 of A-C.
However, the number of credit sales companies may be two or four or more.

However, in the first and second embodiments, the number of divisions is 12.
．． 24.36, and the corresponding interest rates are set in the interest rate storage areas 26.27.28.511 to 513.52.
1-523, 53. ~53, respectively, were memorized,
The number of divisions may be two or four or more.

Further, in the first and second embodiments, the installment period is one month, but the period is not limited to this and may be set arbitrarily.

Further, in the first and second embodiments described above, the power board display 16 using the printer 18 may be used as a means for outputting the installment payment information. Furthermore, the information to be output does not have to be all of the contents described in the above embodiments, and it is sufficient to output at least one of the total payment amount and the monthly installment amount. This is because at least one of these is the information that the customer most wants to know.

Further, in the first and second embodiments described above, an example in which the present invention is applied to ECR has been described, but the present invention is not particularly limited to ECR. It may be configured as a device that calculates and outputs only installment payment information.

[Effect of the Invention] According to the invention described in claim 1, when the product amount and the number of divisions are input, the product amount is used as the amount to be divided, and the division amount and payment amount for each time are determined, and at least one of these is determined. is output. Therefore, at least one of the installment amount and the payment amount for each installment can be clearly indicated to the customer easily and quickly. This not only reduces the labor on the seller's side, but also enables quick response to customers and improves service.

Further, according to the invention described in claim 2, when the product amount, the number of times of division, and the down payment amount are input, the amount obtained by subtracting the down payment amount from the product amount is set as the amount to be divided, and the amount of each installment and the total payment amount. is determined, and at least one of these is output. Therefore, the customer can know at least one of the installment amount and the total payment amount when depositing the down payment amount, so it is possible to provide information that meets the customer's needs.

Further, according to the invention described in claim 3, when the product amount, the number of divisions, and the bonus payment amount are input, the product amount is the amount to be divided, and the bonus payment side amount is excluded from the division for each time. The amount is determined, and at least one of the divided payment amount and the payment amount for each installment is output.

Therefore, the customer can know at least one of the installment amount and the payment amount for each time, including the bonus payment amount, so information that meets the customer's needs can be provided.

According to the invention set forth in claim 4, when the product amount, the number of divisions, and the credit company designated information are input, the product gold is set as the amount to be divided, and the interest rate corresponding to the credit company designated information and the number of divisions is applied. The divided amount and payment amount for each installment are determined, and at least one of these is output. Therefore, the customer can easily and quickly specify the desired credit company, number of installments, and at least one of the installment amount and payment amount for each installment, making it possible to provide information that meets the customer's requests. .

[Brief explanation of the drawing]

1 to 5 show a first embodiment of the present invention, in which FIG. 1 is an overall block diagram, FIG. 2 is a diagram showing the contents of the RAM, FIG. 3 is a diagram showing the keyboard, and FIG. Figure 4 shows cash register 1~
Diagrams showing samples, Figure 5 (A) (B) (C) (D) (E)
is a flowchart. 6 to 8 show a second embodiment of the present invention, in which FIG. 6 does not show the contents of the RAM, FIG. 7 does not show the keyboard, and FIGS. ) is a flowchart. 1113... CPU and ROM (control means), 1
4... RAM (storage means), 15... keyboard (input means), 18... printer (output means), 21... product amount storage area, 22... division number storage area, 23...・Bonus payment amount storage area, 24...
Down payment amount storage area, 26, 27. 28, 51, 52, 53...Interest rate storage area.

Claims (4)

[Claims] (1) An input means for inputting the product amount and the number of divisions, a product amount storage area for storing the product amount input by this input means, and a division number storage area for storing the number of divisions input by the input means and a storage means having an interest rate storage area in which an interest rate corresponding to the number of divisions is stored; and an output means, the product amount stored in the product amount storage area and the interest rate stored in the interest rate storage area and stored in the division number storage area. a payment amount calculation means that calculates the payment amount from the interest rate corresponding to the number of divisions calculated; and a payment amount calculation means for calculating the payment amount for each installment from the payment amount calculated by the payment amount calculation means and the number of divisions stored in the number of division storage area. An installment payment information processing device comprising: means for calculating the divided amount to be determined; and controlling means having means for causing the output means to output at least one of the payment amount and the divided amount for each installment. (2) An input means for inputting the product amount, the number of divisions, and the down payment amount; a product amount storage area for storing the product amount input by this input means; and a division for storing the number of divisions input by the input means. a storage means having a number storage area, a down payment amount storage area for storing the down payment amount input by the input means, and an interest rate storage area for storing the interest rate corresponding to the number of divisions; an output means; and storage in the product amount storage area. a split target amount calculation means for calculating a split target amount from the product price and the down payment amount stored in the down payment storage area; and a payment amount calculation means for calculating the payment amount from the interest rate corresponding to the number of divisions stored in the number of division storage area, the payment amount calculated by the payment amount calculation means and the number of divisions stored in the number of division storage area. A total payment amount calculation means for calculating the total payment amount from the down payment amount stored in the down payment amount storage area and the payment amount calculated by the payment amount calculation means; An installment payment information processing device comprising: control means having means for outputting at least one of the total payment amount and each installment amount to the output means. (3) An input means for inputting the product amount, the number of divisions, and the amount paid at the time of bonus; a product amount storage area for storing the product amount input by this input means; and a storage area for storing the number of divisions input by the input means. a storage means having a storage area for the number of divisions to be made, a storage area for the payment amount at the time of bonus for storing the amount to be paid at the time of bonus inputted by the input means, and an interest rate storage area for storing the interest rate corresponding to the number of divisions; an output means; A payment amount calculation means for calculating a payment amount from the product amount stored in the product amount storage area and the interest rate stored in the interest rate storage area and corresponding to the number of divisions stored in the division number storage area; and the division number storage area. a bonus payment total amount calculating means for calculating the number of bonus payments from the number of divisions stored in the bonus payment number and the total bonus payment amount from the bonus payment number and the bonus payment amount stored in the bonus payment amount storage area; an equal split amount calculation means for calculating an equal split amount from the payment amount calculated by the amount calculation means and the bonus payment total amount calculated by the bonus payment total amount calculation means; a split amount calculation means for calculating the split amount for each installment from the equal split target amount and the number of splits stored in the split number storage area; and outputting at least one of the payment amount and the split amount for each installment to the output means. An installment payment information processing device comprising: a control means having a control means; (4) An input means for inputting the product amount, the number of divisions, and credit company designation information that specifies one of multiple credit companies; and a product amount storage area that stores the product amount input by this input means. , a storage means having a division number storage area for storing the division number input by the input means and an interest rate storage area for storing the interest rate corresponding to the division number for each of a plurality of credit companies; an output means; and the product amount storage. A payment amount calculation means for calculating a payment amount from the product amount stored in the area, the number of divisions stored in the interest rate storage area and the number of division storage area, and the interest rate corresponding to the credit company specified information; A split amount calculating means for calculating the split amount for each installment from the payment amount calculated by the calculating means and the number of splits stored in the split number storage area, and the outputting means for outputting at least one of the payment amount and the split amount for each installment. 1. An installment payment information processing device, comprising: a control means having means for causing an output to be output.