JP2005085122A - Member card processing device, POS terminal, POS system, program, and member card processing control method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce a risk that a transaction amount cannot be collected when performing a credit transaction with a membership card.
An expiration date of a credit card CC held by a user of the member card MC, which is a POS terminal 10 for conducting a credit transaction via the member card MC issued on condition that information on the credit card CC is presented Credit card with reference to the member database 21 based on the member card reading means 110 for reading the information of the member card MC and the member card MC read. Expiration date information reading means 150 for reading out information related to the expiration date of the card CC, and transaction determination means 190 for determining whether or not to allow credit transaction by the membership card MC based on the number of remaining days until the expiration date. Is.
[Selection] Figure 3

Description

  The present invention relates to a member card processing device, a POS terminal, a POS system, a program, and a member card processing control method for performing a credit transaction by reading information on a member card issued on condition that credit card information is presented.

  Traditionally, in US rental shops, a so-called “tick” function is added to the membership card, so that customers can rent and purchase products just by presenting the membership card, and at a later date in cash etc. A margin trading service that pays the transaction amount is implemented. This service is very convenient for customers because it saves the customer from having to pay for each transaction, but for the store that performs the service, the transaction amount from the customer to the promised date It must be assumed that it cannot be recovered, and it will carry a risk. Therefore, the store asks the customer to present information on the credit card (in the name of the user of the membership card) when issuing the membership card as compensation when the transaction amount cannot be collected by a predetermined date. And even if the payment date has passed, if there is no payment from the customer, based on the information of the credit card associated with the membership card, the transaction amount is deducted from the credit card to prevent unrecoverable loss doing.

Also, in Japan, as a service similar to the above service, customers using facilities such as golf driving ranges can issue membership cards by registering information on credit cards and debit cards. There is known a service that enables the purchase of goods and the use of facilities just by presenting a membership card (for example, see Patent Document 1). However, in this system, unlike the above example, the transaction amount is all collected from a registered credit card or debit card, and payment by cash or the like is not accepted.
Japanese Patent Laid-Open No. 2002-008142

  By the way, in the case of a credit transaction service as described above, when a membership card is issued on condition that the credit card information is presented, the credit card associated with the credit card has expired at the time of the credit transaction. All transactions are allowed. However, in reality, if the remaining number of days until the expiration date of the credit card is small, there is a possibility that the transaction amount cannot be collected. For example, in the case of a rental shop in the United States, the store side decides to withdraw from the credit card when a predetermined number of days have elapsed from the transaction (that is, the withdrawal from the credit card is performed after waiting for the collection date). In the meantime, if the credit card expires, there is a problem that it cannot be collected.

  Therefore, the present invention provides a membership card processing device, a POS terminal, a POS system, a program, and a membership card processing control method capable of reducing the risk that the transaction amount cannot be collected when performing a credit transaction with a membership card. Objective.

  The membership card processing device of the present invention is a membership card processing device for conducting a credit transaction through a membership card issued on condition that the credit card information is presented, and is a credit card possessed by a user of the membership card. In connection with a member database that stores information related to expiration dates, the member card reader that reads the member card information, and the credit card validity by referring to the member database based on the read member card information Expiration date information reading means for reading out information related to the expiration date, and transaction determination means for determining whether or not to allow credit transaction with a membership card based on the number of remaining days until the expiration date. If the number of remaining days is less than or equal to the predetermined number of days, it is not permitted to perform credit transactions with membership cards. To.

  In addition, the membership card processing control method of the present invention includes a membership card reading means for reading information on a membership card issued on condition that the credit card information is presented, and information on the expiration date of the credit card held by the user of the membership card. A member card processing control method in a member card processing apparatus comprising a stored member database, transaction discriminating means for discriminating whether or not a credit transaction by a member card is permitted, and a control means, wherein the control means reads the member card The method of reading the information of the membership card by means, the step of reading the information related to the expiration date of the credit card based on the read information of the membership card, and the remaining number of days until the expiration date exceeds a predetermined number of days If the transaction discriminating means permits a credit transaction with a membership card and Characterized by a run.

  According to these configurations, the information regarding the credit card expiration date is read from the member database, and when the remaining number of days until the expiration date exceeds the predetermined number of days, the credit card transaction is permitted. While waiting for the credit card, it is possible to reduce a risk that the expiration date of the credit card expires and the card cannot be collected. That is, the transaction amount can be reliably collected by setting the predetermined number of days longer than the number of days from the current day to the collection date of the margin transaction.

  In this case, it is preferable to further include display means for displaying the discrimination result by the transaction discrimination means.

  According to this configuration, it is possible to notify the operator or the customer whether or not to allow the credit transaction using the membership card by displaying the determination result by the transaction determining unit.

  In this case, it is preferable that the display means further displays information regarding the number of remaining days until the expiration date.

  According to this configuration, since the information regarding the remaining days until the expiration date is displayed, for example, when the number of remaining days is small, the operator can request the customer to present a new credit card with an extended expiration date. At the same time, the customer can confirm how many more credit transactions can be made with the membership card.

  In these cases, the credit card reading means for reading the credit card information presented by the user of the member card, the credit inquiry means for making a credit inquiry based on the read credit card information, and the result of the credit inquiry, the credit card If the use of the credit card is authorized, it further comprises information updating means for updating information relating to the expiration date of the credit card stored in the member database based on the read credit card information, If the number of days remaining until the expiration date is less than or equal to the predetermined number of days, the credit card reading means, the credit inquiry means and the information updating means are executed, and when the expiration date is updated by the information updating means, the credit card transaction is permitted. It is preferable.

  According to this configuration, even when the remaining number of days until the expiration date of the credit card is equal to or less than the predetermined number of days, a new credit card is presented by the customer, and when the expiration date is renewed, a credit transaction with the membership card is performed. be able to. Therefore, the usable period of the membership card can be extended according to the credit card renewal, and there is no need to perform troublesome procedures such as renewing the membership card every time the credit card is renewed.

  In the above, if the remaining number of days until the expiration date of the credit card is not less than 0 and not more than the predetermined number of days, and the expiration date has not been updated by the information updating means, the credit transaction by the membership card on condition of the predetermined information input It is preferable to allow

  According to this configuration, when the remaining number of days until the expiration date of the credit card is not less than 0 and not more than the predetermined number of days (when the remaining number of days is small), the expiration date has not been updated (the new credit card is Even if it is not presented, credit card information cannot be read normally, or credit card use is prohibited as a result of credit inquiry, etc., credit card transactions should be made on the condition that the specified information is entered Can do. For example, in a rental shop, the operator asks the customer to return the rental product by the expiration date because the expiration date of the credit card is approaching, and if the operator gets the approval, the operator It is possible to perform a credit transaction using a membership card by performing predetermined key input (information input) on the processing device. In other words, by not permitting transactions uniformly according to the number of days remaining until the expiration date, but by allowing transactions with certain conditions, it is possible to reduce the loss of transaction opportunities while reducing the risk of uncollectibility. .

  In these cases, further comprising a transaction amount input means for inputting the transaction amount of the credit transaction by the membership card, the transaction determination means is a case where the remaining number of days until the expiration date of the credit card is 0 or more and a predetermined number of days or less, If the expiration date has not been updated by the information updating means, it is further determined whether or not the transaction amount input by the transaction amount input means exceeds the predetermined amount, and if it is determined that the transaction amount exceeds the predetermined amount, the member It is preferred not to allow credit card transactions.

  According to this configuration, if the remaining number of days until the expiration date of the credit card is not less than 0 and not more than the predetermined number of days, and the expiration date is not renewed, the transaction amount does not exceed the predetermined amount, the member Credit card transactions can be performed. In other words, it is possible to reduce the loss of trading opportunities while minimizing the risk of being unable to collect.

  In this case, the member database stores information about the average value of past transaction amounts of the member card users, and the transaction determination means has a remaining number of days until the expiration date of the credit card of 0 or more and a predetermined number of days or less. If the expiration date has not been updated by the information updating means, information on the average value of past transaction amounts is read from the member database, and the transaction amount entered by the transaction amount input means When it is further determined whether or not the average value of the amount exceeds the average value, and it is determined that the transaction amount exceeds the average value of the past transaction amount, it is preferable not to permit the credit transaction by the membership card.

  According to this configuration, even if the remaining number of days until the expiration date of the credit card is not less than 0 and not more than the predetermined number of days, and the expiration date has not been updated, the past transaction amount of the customer with the same transaction amount If the average value is not exceeded, credit transactions with membership cards can be made. In other words, since the transaction content and transaction amount vary depending on the customer, changing the discrimination criteria for each customer according to the past transaction amount reduces the risk of non-collection and further reduces the loss of transaction opportunities. be able to. In this case, it is preferable that the average value of past transaction amounts is updated every time the transaction ends. According to this configuration, a more appropriate discrimination criterion can be set.

  In these cases, the member database stores information related to past transaction results of the member card user, and the transaction discriminating means is used when the remaining number of days until the expiration date of the credit card is not less than 0 and not more than a predetermined number of days. If the expiration date has not been updated by the information updating means, information on past transaction results is read from the member database, and the member card user has made an illegal transaction in the past on the information on the past transaction results. It is preferable to further determine whether or not fraudulent information indicating that the fraud information is included. If the fraudulent information is included, it is preferable not to permit the credit transaction using the membership card.

  According to this configuration, even when the remaining number of days until the expiration date of the credit card is not less than 0 and not more than the predetermined number of days, and the expiration date has not been updated, the information related to past transaction results read from the member database is displayed. In the case where fraudulent information (information indicating that the member card user has performed fraudulent transactions in the past) is not included, credit transaction with the member card can be performed. That is, by permitting credit transactions according to the creditworthiness of each customer, it is possible to reduce the loss of transaction opportunities while reducing the risk of uncollection more reliably.

  In these cases, the member database stores customer rank information determined in accordance with the total of the past transaction amount of the member card user and / or the number of transactions. If the number of remaining days is 0 or more and not more than the predetermined number of days, and the expiration date has not been updated by the information updating means, the customer rank information is read from the member database, and the customer rank information is below the predetermined rank If it is further determined whether or not it is equal to or lower than a predetermined rank, it is preferable not to allow a credit transaction using a membership card.

  According to this configuration, even when the remaining number of days until the expiration date of the credit card is not less than 0 and not more than the predetermined number of days, and the expiration date has not been updated, the customer rank (member card user read out from the member database) In the case where the sum of past transaction amounts and / or the rank determined according to the number of transactions) exceeds a predetermined rank, a credit transaction using a membership card can be performed. In other words, by permitting credit transactions according to customer ranks, loss of transaction opportunities can be reduced, and the customer's awareness of rank improvement can be increased, which can be used for sales promotion.

  Another member card processing device of the present invention inputs a transaction amount of a credit transaction by a member card in a member card processing device that conducts a credit transaction by reading the information of the member card issued on condition that the credit card information is presented. A transaction amount input means, and a transaction determination means for determining whether or not to allow a credit transaction with a membership card based on the input transaction amount, and the transaction determination means has a transaction amount exceeding a predetermined amount The credit card transaction by the member card is not permitted.

  Further, according to another member card processing control method of the present invention, a transaction amount input means for inputting a transaction amount of a credit transaction by a member card issued on condition that the credit card information is presented; A membership card processing control method in a membership card processing device comprising a transaction discriminating means for determining whether or not, a control means, wherein the control means inputs a transaction amount by means of a transaction amount input means, and input When the transaction amount is equal to or less than the predetermined amount, the transaction discrimination means executes a step of permitting a credit transaction with a member card.

  According to these configurations, in a membership card processing device that conducts a credit transaction by reading information of a membership card issued on condition that the credit card information is presented, if the transaction amount is less than or equal to a predetermined amount, Since margin trading is permitted, it is possible to reduce the loss of trading opportunities while minimizing the risk of uncollectible transactions.

  Another member card processing device of the present invention is a member card processing device for conducting a credit transaction via a member card issued on condition that the credit card information is presented, and the past transaction amount of the member card user In connection with a member database that stores information on the average value of the transaction, the transaction amount input means for inputting the transaction amount of the credit transaction by the member card, the member card reading means for reading the member card information, and the read Based on the member card information, the member database is referred to, and the transaction amount information reading means for reading out the information on the average value of the past transaction amount, and the read average value of the past transaction amount and the transaction amount input means are input. A transaction discriminating means for discriminating whether or not to allow a credit transaction with a membership card based on the transaction amount. The transaction identification means, if the transaction amount entered by the transaction amount input means exceeds the average of the past transaction amount, characterized in that it does not allow the credit transaction by membership cards.

  Another member card processing control method of the present invention is a transaction amount input means for inputting a transaction amount of a credit transaction by a member card issued on condition of presentation of credit card information, and a member card reading for reading member card information. Member card processing apparatus comprising: means, a member database storing information relating to an average value of past transaction amounts of member card users, transaction determining means for determining whether or not to allow credit transaction with a member card, and control means In the membership card processing control method, the control means inputs the transaction amount by the transaction amount input means, reads the member card information by the member card reading means, and reads the member card information. Based on the member database, the process of reading information on the average value of past transaction amounts, If the transaction amount entered by the amount input means is equal to or less than the average value of the past transaction amount, the transaction determining means, and executes a process for permitting the credit transaction by membership cards, a.

  According to these configurations, in the membership card processing device that conducts credit transactions by reading the information of the membership card issued on condition that the credit card information is presented, the average of past transaction amounts of customers with the same transaction amount If the value is not exceeded, a credit card transaction can be performed with a membership card. In other words, to change the criteria for determining whether or not to allow marginal transactions depending on the customer, such as allowing marginal transactions even if the transaction amount is high for customers with a high average transaction amount in the past. The loss of transaction opportunities can be further reduced while reducing the risk of being uncollectible.

  Another member card processing device of the present invention is a member card processing device for conducting a credit transaction through a member card issued on condition that the credit card information is presented, and a past transaction result of the member card user. In connection with a member database that stores information about the member card, the member card reading means for reading the member card information and the member database based on the read member card information, the member card user's past Transaction result reading means for reading information on the transaction result of the transaction, and transaction determination means for determining whether or not to allow credit transaction by the membership card based on information on the past transaction result, the transaction determination means, Information related to past transaction results includes fraudulent information indicating that the member card user has conducted fraudulent transactions in the past. If and are, characterized in that it does not allow the credit transaction by the membership card.

  In addition, another member card processing control method of the present invention stores member card reading means for reading member card information issued on condition of credit card information presentation, and information related to past transaction results of member card users. A member card processing control method in a member card processing apparatus comprising a member database, a transaction determining means for determining whether or not a credit transaction by a member card is permitted, and a control means, wherein the control means is a member card reading means A member card reading means for reading member card information, a step of reading information on past transaction results of the member card user based on the read member card information, and a past transaction result The information contains unauthorized information indicating that the member card user has made unauthorized transactions in the past. If no, the transaction determining means, and executes a process for permitting the credit transaction by membership cards, a.

  According to these configurations, in the membership card processing device that performs credit transactions by reading the information of the membership card issued on condition that the credit card information is presented, information on past transaction results read from the membership database is illegal. If the information (information indicating that the member card user has performed an illegal transaction in the past) is not included, a credit transaction with the member card can be performed. In other words, by allowing credit transactions according to the creditworthiness of each customer (only when there has been no fraudulent transactions in the past), it is possible to reduce the loss of transaction opportunities while reducing the risk of uncollection more reliably. .

  Another member card processing device of the present invention is a member card processing device for conducting a credit transaction via a member card issued on condition that the credit card information is presented, and the past transaction amount of the member card user Based on the member card reading means for reading the member card information and the member card information read, in connection with the member database storing the customer rank information determined according to the total and / or the number of transactions , A customer rank information reading means for reading customer rank information with reference to the member database, and a transaction discriminating means for discriminating whether or not a credit transaction by a member card is permitted based on the customer rank information. The means does not allow credit transactions with membership cards when customer rank information is below a predetermined rank. To.

  Another member card processing control method of the present invention is a member card reading means for reading member card information issued on the condition of presenting credit card information, a sum of past transaction amounts of member card users and / or Member card processing control in a member card processing apparatus comprising a member database storing customer rank information determined according to the number of transactions, transaction determining means for determining whether or not to allow credit transaction by a member card, and control means A method in which the control means reads the member card information by the member card reading means, reads the customer rank information with reference to the member database based on the read member card information, and the customer rank. If the information exceeds the specified rank, allow credit card transactions with membership cards by means of transaction discrimination. And executes a step.

  According to these configurations, in the membership card processing device that performs credit transactions by reading the membership card information issued on the condition that the credit card information is presented, the customer rank read from the membership database (the past of the membership card user) If the total transaction amount and / or the rank determined according to the number of transactions) exceeds a predetermined rank, a credit transaction using a membership card can be performed. In other words, by permitting credit transactions according to customer ranks, loss of transaction opportunities can be reduced, and the customer's awareness of rank improvement can be increased, which can be used for sales promotion.

  The POS terminal according to the present invention includes each means of the membership card processing device described in any one of the above, and performs accounting processing and credit transaction with a membership card based on the input of product information by an operator.

  According to this configuration, when performing a credit transaction using a membership card, it is possible to provide a POS terminal capable of preventing uncollection of the transaction amount.

  A POS system according to the present invention includes the POS terminal described above and a POS server that includes a member database and performs overall control of the POS terminal via a network.

  According to this configuration, it is possible to provide a POS system capable of preventing the transaction amount from being uncollectible when performing a credit transaction using a membership card. Further, since the member database is provided in the POS server, the common member database can be referred to in the POS terminals connected via the network.

  A program of the present invention is for realizing each means of the membership card processing apparatus described in any one of the above, and is characterized by being readable by a computer.

  According to this configuration, when performing a credit transaction using a membership card, it is possible to provide a program for realizing a membership card processing apparatus capable of preventing the transaction amount from being uncollectible.

  According to the membership card processing device, POS terminal, POS system, program, and membership card processing control method of the present invention, when a credit transaction is performed with a membership card, the expiration date of the credit card held by the user of the membership card approaches. If it is, the marginal transaction is not permitted, so that the transaction amount can be prevented from becoming uncollectible while waiting for the due date of the marginal transaction.

  Hereinafter, a member card processing device, a POS terminal, a POS system, a program, and a member card processing control method according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. The present invention relates to a membership card processing device that reads information on a membership card that can be credited by attaching a membership card that is issued on the condition that the credit card information is presented, in other words, the credit card information as a compensation in the case of non-collection. Information related to the expiration date of the credit card held by the user of the member card is stored in the member database in advance, and the information regarding the expiration date is read for each credit transaction with the member card and is valid from the day of transaction. Based on the number of remaining days until the deadline, it is determined whether or not the credit card transaction is permitted. In this case, the credit card expires while waiting for the date of collection of the credit transaction by allowing the credit transaction when the remaining number of days until the expiration date is larger than the predetermined number of days set in advance, The risk that the transaction amount cannot be collected can be reduced.

  Therefore, the case where the function of the membership card processing apparatus of the present invention is incorporated in a POS terminal used in a restaurant, retail store, rental shop or the like will be described below as an example. In addition, a POS system including the POS terminal will be described.

  As shown in FIG. 1, the POS system 1 of the present invention includes a plurality of POS terminals 10 (only three are shown) and a POS server 20 that controls the plurality of POS terminals 10 via a network 25. Has been. The POS terminal 10 has the same input as the main body case 11, a keyboard 12 for inputting product information such as a product code and an amount of money, and an operator display 13a for displaying instructions to the operator in addition to the input product information and the amount of money. In addition to displaying the merchandise information and the amount of money, a customer display 13b for presenting information to the customer, a cash drawer 14 for storing money (cash), and a card for reading magnetic data such as a membership card MC and a credit card CC A reader 15, a barcode reader 16 that reads a barcode attached to or printed on a product, and a receipt printer 17 that prints on the receipt R, and a POS server 20 or a credit card via a network 25 (Internet) Connect with the credit inquiry server 30 that performs CC credit inquiry It is.

  The credit inquiry server 30 is operated by a card company or a clearing house (an organization that contracts with a plurality of card companies and performs a credit check or a credit check), and reads the magnetic data of the credit card CC read by the card reader 15, Based on the card information such as the card number input by the keyboard 12, a credit check is performed to determine whether a loss report or theft report has been issued, and the credit check result is returned to the POS terminal 10. Based on the result of the credit examination, the POS terminal 10 determines whether or not to continue the credit card CC settlement process when performing the settlement with the credit card CC. Further, when performing a credit transaction with the membership card MC, it is determined whether or not a credit transaction with the membership card MC is performed based on the result of the credit examination.

  The POS server 20 is connected to a plurality of POS terminals 10 and performs batch management of product information and inventory information input to the POS terminals 10. Specifically, the product information input to the POS terminal 10 is acquired, and based on this, information related to the product name and price is extracted from a price list (PLU list) stored in advance. Then, product data used for printing on a later-described receipt R and displaying the display screen 63 is generated from the extracted information and transmitted to the POS terminal 10. The POS terminal 10 generates print data to be printed on the receipt R based on the product data transmitted from the POS server 20, transmits the print data to the composite processing apparatus 10, and displays display data to be displayed on the display screen 63. Generate.

  The POS server 20 includes a member database 21 that stores information on customers who use the member card MC and credit cards CC held by the customer. The POS server 20 stores the member card information read by the card reader 15 of the POS terminal 10. Credit card information (such as expiration date information) acquired and associated with the member card information is transmitted to the POS terminal 10. The POS terminal 10 determines whether or not to perform a credit transaction using the member card MC based on the credit card information transmitted from the POS server 20, and executes necessary processing based on the determination result. Note that the determination process for determining whether or not to perform a credit transaction using the membership card MC and the process after the determination will be described in detail later.

  Next, the control configuration of the POS system 1 will be described with reference to FIGS. 2 and 3. As shown in the control block diagram of FIG. 2, the POS system 1 includes a POS terminal 10 and a POS server 20 that performs overall control of the POS terminal 10 via a network 25. Among these, the POS terminal 10 is an information input system that includes a keyboard 12 having a plurality of keys for inputting merchandise information and the like, a cash drawer 14 in which money is stored, and magnetic data of the membership card MC and credit card CC. A card reader 15 that reads the barcode, a barcode reader 16 that reads the barcode, and a timer 18 that measures the date and time, as an information output system, a display 13 that displays various information, and a print on the receipt R And a receipt printer 17 that performs the above-described operations. The terminal controller 19 controls the entire POS terminal 10.

  On the other hand, the POS server 20 acquires various data / instruction commands from the member database 21 storing the member information and credit card information for all the users who use the member card MC, and the POS terminal 10, and stores them in the information. And a server controller 22 for performing control such as reading and updating of information from the member database 21.

  Each record 23 of the member database 21 stores information on the member card user's member ID, name, e-mail address, address, etc. as “member information”, and the credit card CC valid as “credit card information”. Information on the deadline, card number, and name (name of credit card CC) is stored. In addition, as “Past transaction information”, the total of past margin transaction amount by member card MC, average value of past margin transaction amount by member card MC (total of transaction amount divided by the number of transactions), Information on transaction results for past credit transactions by the member card MC (information regarding whether transactions were normally performed or fraudulent transactions were performed) is stored. Further, information on “customer rank” (which is classified into A, B, C rank from the top) given by the server controller 22 according to the total of the past transaction amount and / or the number of transactions, or with conditions “Various flags” used when the transaction is permitted in is stored. As “past transaction information”, information related to all past transactions including payment by credit card CC, cash, check, etc. may be stored as well as information related to credit transactions by member card MC. .

  Of the information stored in the member database 21, “member information” is generated based on the contents described by the customer in the card application form (not shown) when the member card is created. “Credit card information” is information read by the card reader 15 of the POS terminal 10 or a credit card reader provided in a member card application dedicated machine (not shown). In the latter case, the member card application-dedicated machine is connected to the POS server 20 via the network 25, transmits the read credit card information to the credit inquiry server 30 (see FIG. 1), performs credit inquiry, and credits. It is preferable that the credit card information can be automatically transmitted to the member database 21 after the inquiry.

  The “past transaction information” and “customer rank” are updated by the server controller 22 at any time whenever a credit transaction is performed with the membership card MC. Therefore, when the membership card is created, there is no information related to “past transaction information”, and “B” in the middle rank is stored as “customer rank”.

  Here, control of the controllers 19 and 22 will be described. The terminal controller 19 reads the information of the member card MC by the card reader 15 and transmits the member card information (member ID, etc.) to the POS server 20. When the server controller 22 acquires the member card information, the server controller 22 reads out the credit card information (such as an expiration date) from the record 23 corresponding to the member card information, and transmits the credit card information to the POS terminal 10.

  When the terminal controller 19 acquires the credit card information from the POS server 20, the terminal controller 19 calculates the number of remaining days until the expiration date of the credit card CC based on the credit card information and the date of the transaction date counted by the timer 18. As a result of the calculation, for example, when it is determined that the number of remaining days is small (below the predetermined number of days), the display (customer display 13b) has a new credit card CC with an extended expiration date or the expiration date Is displayed indicating that another credit card CC (hereinafter referred to as “new credit card CC2”) whose remaining days are equal to or greater than the predetermined number of days is to be presented. On the other hand, when the customer presents the new credit card CC2, the terminal controller 19 reads the information of the new credit card CC2 by the card reader 15, and transmits the information to the credit inquiry server 30 (see FIG. 1). Make an inquiry. As a result, when the use of the new credit card CC2 is authorized, the credit transaction is performed by the membership card MC, and information on the new credit card CC2 and transaction information (transaction amount, etc.) are transmitted to the POS server 20. The server controller 22 updates “credit card information”, “past transaction information”, and “customer rank” of the corresponding record 23 in the member database 21 based on the information and transaction information of the new credit card CC2.

  On the other hand, when the new credit card CC2 is not presented by the customer, the operator of the POS terminal 10 verbally explains to the customer that the credit transaction is performed with a predetermined condition, and the customer acknowledges this. If obtained, the operator depresses a predetermined key on the keyboard 12, and the terminal controller 19 determines that the credit transaction using the member card MC can be executed. The presentation of the predetermined condition may be displayed on the customer display 13b instead of being verbally communicated by the operator, or the operator presses a predetermined key on the customer side. It may be replaced with pressing of.

  Next, components of the POS terminal 10 will be described with reference to the functional block diagram of FIG. As shown in the figure, the POS terminal 10 includes a member card reading means 110 for reading member card information from a magnetic stripe (not shown) provided in the member card MC, and credit card information (new credit card) from the magnetic stripe of the credit card CC. The credit card reading means 120 for reading information), the time measuring means 130 for measuring the date and time, the transaction amount input means 140 for inputting the transaction amount (settlement amount) by the member card MC, and the POS server 20 to access the member Based on the expiration date information reading means 150 for reading information on the expiration date of the credit card CC from the database 21, the new credit card information read by the credit card reading means 120, the transaction amount inputted by the transaction amount input means 140, and the like. ,Member Information update means 160 for updating the information in the database 21, and the remaining number calculation for calculating the remaining number of days until the expiration date based on the expiration date read by the expiration date information reading means 150 and the date of the current day timed by the timing means 130 The credit card information read by the means 170 and the credit card reading means 120 is transmitted to the credit inquiry server 30, and the credit inquiry means 180 for performing credit examination and the membership card MC based on the calculation result of the remaining days calculation means 170 Transaction discriminating means 190 for discriminating whether or not a margin transaction is to be performed, and display means 200 for displaying the calculation result (remaining number of days) of the remaining days calculation means 170 and the discrimination result of the transaction discrimination means 190 (see FIGS. 10 and 11). And control means 210 that is connected to and controls the above-described means.

  Among them, the member card reading means 110 and the credit card reading means 120 are constituted by the card reader 15 (see FIG. 2), the time measuring means 130 is constituted by the timer 18, and the transaction amount input means 140 is constituted by the keyboard 12. The Note that the “transaction amount” input by the transaction amount input means 140 is the total transaction amount (totally the target of the credit transaction) that is the sum of the amount directly input by the operator to the keyboard 12 and the individual amounts input. This includes both concepts. Moreover, the display means 200 is comprised by the display 13 (display 13a for operators, display 13b for customers). Further, the other means 150, 160, 170, 180, 190 including the control means 210 are constituted by the terminal controller 19 described above.

  Next, the member card processing control method of the POS terminal 10 according to the present embodiment will be described with reference to the flowchart of FIG. When the POS terminal 10 (terminal controller 19) acquires information on the member ID from the member card information read by the card reader 15 (S11), the POS terminal 10 (terminal controller 19) accesses the member database 21 of the POS server 30 and starts from the record 23 of the corresponding member ID. Information on the expiration date of the credit card CC is read (S12).

  Here, when the difference (DL−DN) between the expiration date DL of the credit card CC and today's date (date of transaction) DN is larger than the predetermined number of days α (S13: Yes), member information (member ID) , Name, e-mail address, address, etc.), credit card information (expiration date), number of days remaining until expiration date (DL-DN), and "transaction permission" to notify that credit card transaction is permitted by member card MC Is displayed on the operator display 13a (S14, see FIG. 10A). Although not particularly illustrated, it is preferable to display that the credit transaction by the membership card MC is permitted on the customer display 13b together with the display on the operator display 13a.

  On the other hand, if the difference (DL-DN) between the expiration date DL of the credit card CC and today's date (date of transaction) DN is less than or equal to the predetermined number of days α (S13: No), the value of (DL-DN) Is equal to or greater than 0, that is, whether or not the expiration date has expired (S15). If the expiration date has not expired (S15: Yes), together with the member information and the like, "the expiration date of the credit card is near" And “to request presentation of credit card” are displayed on the operator display 13a (S16, see FIG. 10B). At this time, it is also preferable to display on the customer display 13b such as “The expiration date of the credit card is approaching. Please present the new credit card CC2.”

  Here, when the new credit card CC2 is presented by the customer and the information of the new credit card CC2 is acquired by the card reader 15 (S17: Yes), the acquired information is transmitted to the credit inquiry server 30 to perform a credit inquiry ( S18). If the use of the new credit card CC2 is authorized as a result of the credit inquiry (S18: Yes), the member database 21 is accessed and the "credit card information" of the corresponding record 23 is updated. At this time, if only the expiration date is extended, only the information related to the expiration date, or if the credit card CC itself attached to the membership card MC is changed, all of the “credit card information” including the card number and name Is preferably updated (rewritten).

  On the other hand, when the new credit card CC2 is not presented by the customer, or when the card reader 15 fails to read the information of the new credit card CC2 (S17: No), and as a result of the credit inquiry, the use of the new credit card CC2 Is prohibited (S18: No), the member database 21 is accessed and the “transaction flag within a specific period” is recorded (S20). This “transaction flag within a specific period” means that, if the flag is recorded, credit transactions with the membership card MC are permitted only for a specific period even if the number of days remaining until the expiration date is less than the predetermined number of days α. This is recorded when the operator inputs a predetermined key on the keyboard 12.

  That is, in the present embodiment, it is possible to perform a margin transaction with a condition even when the remaining number of days until the expiration date is equal to or less than the predetermined number of days α. Therefore, for example, in a rental shop, the operator asks the customer to return the rental product by the expiration date on the grounds that the expiration date of the credit card CC is approaching. It is possible to perform a credit transaction with the membership card MC within a specific period (up to the expiration date) by inputting a predetermined key. In other words, with this configuration, transactions are not canceled uniformly according to the number of remaining days until the expiration date, but transactions are allowed with certain conditions, thereby reducing the risk of uncollectible transactions and reducing loss of transaction opportunities. Can be reduced. At this time, an indication that “the expiration date of the credit card is near” and “the request for the credit card must be presented before the expiration date, year, month, and day” are displayed on the operator display 13a (see FIG. 10C). ), It is also preferable to display on the customer display 13b such as “The credit card expiration date is approaching. Please be sure to present a new credit card before the expiration date (year / month / day)”. .

  By the way, when the expiration date of the credit card CC has expired (S15: No), together with the member information and the credit card information, the fact that “the credit card is invalid” and “the credit card is requested to be presented” Is displayed on the display 13a (see S21, FIG. 11A). At this time as well, it is preferable to display on the customer display 13b such as "The credit card has expired. Please present a new credit card."

  When a new credit card CC2 is presented by the customer and information on the new credit card CC2 is acquired (S22: Yes), a credit inquiry is performed, and when the use of the new credit card CC2 is authorized (S23: Yes) ) The “credit card information” in the member database 21 is updated (S24). In addition, when a new credit card CC2 is not presented by the customer, or when reading of information of the new credit card CC2 by the card reader 15 fails (S22: No), and as a result of credit inquiry, the use of the new credit card CC2 Is prohibited (S23: No), the message “stop transaction” (transaction is not permitted) is displayed on the operator display 13a (see S25, FIG. 11B), and the process is terminated. At this time, it is preferable to display the contents such as “Cancel transaction” on the customer display 13b with the reason.

  When the credit transaction by the membership card MC is permitted by the above processing (after S19, S20, and S24), the receipt printer 17 displays the result of the credit transaction (the amount of purchased products and rental products, and the total amount). Printing is performed on the receipt R (S26), and the process is terminated.

  As described above, according to the member card processing control method in the present embodiment, when the information related to the expiration date of the credit card CC is read from the member database 21 and the remaining number of days until the expiration date exceeds the predetermined number of days α, the member card MC The credit card CC is allowed to be collected, and the risk that the credit card CC expires and cannot be collected while waiting for the collection date of the credit transaction can be reduced. That is, the transaction amount can be reliably collected by setting the predetermined number of days longer than the number of days from the current day to the collection date of the margin transaction.

  Also, when the remaining number of days until the expiration date of the credit card CC is not less than 0 and not more than the predetermined number of days (when the remaining number of days is small), the expiration date has not been updated (a new credit card CC2 is presented) If the credit card information cannot be read normally, or if the credit card CC is prohibited from being used as a result of the credit inquiry, the credit card transaction with the member card MC is performed on the condition that the operator inputs a predetermined key. (See S20), loss of transaction opportunities can be reduced as much as possible without taking the risk of uncollectibility.

  In the above example, on condition that the rental item is returned by the expiration date, the operator inputs a predetermined key and permits a margin transaction within a specific period (until the expiration date). The contents and the setting of the specific period can be appropriately changed according to the business contents of the store. In addition, instead of a predetermined key input by the operator, for example, information such as an identification card in place of the credit card CC (which can be compensated in the case of non-collection) is input, and the credit transaction is permitted under this condition. May be. For example, when a driver's license is required to be presented as an identification card, it is possible to obtain information by reading an image of the driver's license, inputting a license number, or the like. Further, instead of the identification card, information on biometrics (fingerprint, iris, etc.) that can identify an individual may be used as a condition for the credit transaction.

  In addition, when the remaining number of days until the expiration date of the credit card CC is not less than 0 and not more than the predetermined number of days (when the remaining number of days is very small), the customer must present either a new credit card CC2 or an identification card. Thus, a margin transaction may be permitted. In this case, the fact that “the expiration date of the credit card is near” and “the request for presentation of a new credit card or identification card” is displayed on the operator display 13a (see FIG. 11C), and the customer It is preferable to display on the display 13b such as "The credit card expiration date is approaching. Please present a new credit card or ID card."

  In the above example, when the use of the new credit card CC2 is authorized as a result of the credit inquiry, the record 23 of the member database 21 is updated (see S19 and S24). It is preferable to determine whether or not the remaining number of days until the expiration date of the new credit card CC2 exceeds the predetermined number of days α before the update, and to allow the credit transaction only when the predetermined number of days α is exceeded. . According to this configuration, since the credit transaction is permitted only when the expiration date is reliably extended by the information input of the new credit card CC2, it is possible to more reliably avoid the risk of uncollectibility.

  Next, a second embodiment of the present invention will be described with reference to FIGS. In the above embodiment, when the remaining number of days until the expiration date of the credit card CC is not less than 0 and not more than the predetermined number of days, and the expiration date has not been updated, the membership card is subject to a predetermined key input by the operator. Although the credit transaction by the MC is permitted (see S20), in this embodiment, the transaction risk determination process shown in FIGS. 6 to 9 is executed, and the credit transaction by the member card MC is performed when a predetermined condition is satisfied. Is allowed. Thus, differences from the first embodiment will be mainly described.

  FIG. 5 is a main routine of the member card processing control method of this embodiment, and FIGS. 6 to 9 are subroutines. Note that S31 to S39 and S41 to S46 in FIG. 5 are the same as S11 to S19 and S21 to S26 in FIG. As shown in S40 of FIG. 5, in the present embodiment, when the remaining number of days until the expiration date of the credit card CC is not less than 0 and not more than a predetermined number of days, and the expiration date has not been updated, a further predetermined A determination process (transaction risk determination process) is performed to determine whether or not the condition is satisfied.

  Here, “transaction risk determination processing A” will be described as an example of a subroutine of transaction risk determination processing. “Transaction risk discrimination processing A” is to stop the credit transaction by the membership card MC when the current transaction amount exceeds a predetermined amount.

  As shown in FIG. 6, it is determined whether or not the current transaction amount input by the keyboard 12 or the barcode reader 16 is equal to or less than a predetermined amount set in advance (S51). Here, the “current transaction amount” may be the amount transaction amount of all products input in one credit transaction process, or may be the transaction amount of individual products. That is, in the latter case, if any one of the input transaction amounts of individual commodities exceeds a predetermined amount, the transaction is stopped. The predetermined amount may be set in advance using the keyboard 12 of the POS terminal 10 or may be set based on data transmitted from the POS server 20.

  If the current transaction amount is less than or equal to a predetermined amount set in advance (S51: Yes), “transaction permission” is displayed on the display 13 (S52; see FIG. 10A), and the member database 21 is displayed. Access and record the “conditional transaction flag” in the corresponding record 23 (S53). This “conditional transaction flag” means that when the flag is recorded, even if the remaining days until the expiration date is less than or equal to the predetermined number of days α, the predetermined condition (in this example, the current transaction It indicates that a margin transaction is permitted by satisfying that the amount is equal to or less than a predetermined amount. After the flag is recorded, the transaction result is printed on the receipt R by the receipt printer 17 (S54), and the process is terminated. On the other hand, when the current transaction amount exceeds the predetermined amount set in advance (S51: No), “transaction stop” is displayed on the display 13 (S55; see FIG. 11B), and the credit transaction process is performed. Discontinue.

  As described above, according to the “transaction risk determination process A”, when the credit card CC has not expired and the current transaction amount is equal to or less than the predetermined amount, the credit transaction by the member card MC is permitted. The loss of trading opportunities can be reduced while minimizing the risk of being unable to collect.

  In addition, it is determined whether or not to allow a margin transaction based on whether or not the current transaction amount is within a predetermined amount range, not whether or not the current transaction amount is less than or equal to the predetermined amount. You may do it. The predetermined amount may be read from an age-predetermined amount table in which a different amount is set according to the age of the customer. That is, information on the customer's age and the like is acquired at the time of applying for the membership card MC and stored in the membership database 21. Based on the membership ID read from the membership card MC, the customer's age is referred to the membership database 21. Is identified. Further, according to the age, a predetermined amount is read from the age-predetermined amount table, and the predetermined amount is used as a criterion for the credit transaction. According to this configuration, an appropriate discrimination criterion (predetermined amount) can be set according to the customer.

  Next, “transaction risk determination process B” will be described as another example of the transaction risk determination process subroutine. “Transaction risk discrimination processing B” is to stop the credit transaction by the membership card MC when the current transaction amount exceeds the past average transaction amount.

  As shown in FIG. 7, first, information related to the past average transaction amount (see FIG. 2) is read from the member database 21 (S61). The “past average transaction amount” is obtained by dividing the total of past transaction amounts (before the previous time) by the number of transactions. The “past” may be limited to a specific period such as within the past year or from the beginning of the year two years ago to the end of the year.

  Here, it is determined whether or not the current transaction amount input by the keyboard 12 or the barcode reader 16 is equal to or less than the past average transaction amount (S62). : Yes), “transaction permission” is displayed on the display 13 (S63; see FIG. 10A). Further, the member database 21 is accessed to record a “conditional transaction flag” in the corresponding record 23 (S64), and the transaction result is printed on the receipt R by the receipt printer 17 (S65). Further, the average transaction amount is recalculated based on the current transaction amount, the corresponding record 23 in the member database 21 is rewritten (S66), and the process is terminated. On the other hand, if the current transaction amount exceeds the past average transaction amount (S62: No), “transaction cancellation” is displayed on the display 13 (S67; see FIG. 11B), and the credit transaction processing is canceled. To do.

  As described above, according to “transaction risk determination processing B”, when the expiration date of the credit card CC has not expired and the current transaction amount does not exceed the average value of past transaction amounts of the same customer, the membership card MC You can make a margin transaction. In other words, to change the criteria for determining whether or not to allow marginal transactions depending on the customer, such as allowing marginal transactions even if the transaction amount is high for customers with a high average transaction amount in the past. The loss of transaction opportunities can be further reduced while reducing the risk of being uncollectible.

  Whether the current transaction amount is within the range of the past transaction amount plus the predetermined amount, rather than whether the current transaction amount is less than or equal to the past transaction amount average value. It is also possible to decide whether or not to allow a margin transaction.

  Next, “transaction risk determination process C” will be described as another example of the transaction risk determination process subroutine. The “transaction risk determination process C” is performed when the “transaction result information” stored in the member database 21 includes unauthorized information indicating that the member card user has performed unauthorized transactions in the past. The credit transaction with the membership card MC is canceled.

  As shown in FIG. 8, first, information (see FIG. 2) regarding “transaction result” in “past transaction information” is read from the member database 21 (S71). This “transaction result” is information indicating whether the transaction has been performed normally or fraudulently for each past transaction (before the previous time). In this example, the transaction result is predetermined when fraud is performed. Information (illegal information) is stored in the record 23. In this example, “past” may be limited to a specific period.

  Here, it is determined whether or not the fraud information is included in the information related to the “transaction result” (S72). If the fraud information is not included (S72: No), the “transaction permission” is displayed on the display 13. Is displayed (S73; see FIG. 10A). Further, the member database 21 is accessed to record the “conditional transaction flag” in the corresponding record 23 (S74), and the transaction result is printed on the receipt R by the receipt printer 17 (S75), and the process is terminated. To do. On the other hand, if the information related to the “transaction result” includes fraudulent information (S72: Yes), “transaction cancellation” is displayed on the display 13 (S76; see FIG. 11B), and the margin transaction process is performed. Cancel.

  As described above, according to the “transaction risk determination process C”, the credit card CC has not expired, and the information related to the past transaction result read from the member database 21 includes unauthorized information (the member card ) Does not include information indicating that an illegal transaction has been performed, it is possible to perform a credit transaction using the membership card MC. That is, by permitting credit transactions according to the creditworthiness of each customer, it is possible to reduce the loss of transaction opportunities while reducing the risk of uncollection more reliably.

  In the above example, it is a predetermined condition that information relating to past transaction results does not include fraudulent information. However, when the POS terminal 10 of the present invention is used in a rental shop, for example, The product return delay days may be set as a predetermined condition. That is, in this case, the number of days delayed is recorded for each past transaction, and the sum of the number of days delayed divided by the number of rentals is added to the information related to the past transaction results as the average value of the days delayed for return. . If the average value of the return delay days exceeds a predetermined number of days, the customer may be prohibited from performing credit transactions on the assumption that the credit rating is low.

  Next, “transaction risk determination processing D” will be described as another example of the transaction risk determination processing subroutine. “Transaction risk discrimination processing D” is based on the membership card MC when the “customer rank” (classified as A, B, C rank from the top) stored in the member database 21 is below the B rank. This is to cancel the margin transaction.

  As shown in FIG. 9, first, information related to “customer rank” (see FIG. 2) is read from the member database 21 (S81). This “customer rank” is a rank determined in accordance with the total of past transaction amounts of member card users, the number of transactions, “past transaction information”, etc., for example, the total of past transaction amounts (or past If the transaction amount information is not included in the transaction result information, the rank is B rank. If the transaction result information includes fraudulent information, it is determined according to past transactions such as C rank. In this example, “past” may be limited to a specific period.

  Here, it is determined whether or not the customer rank exceeds a predetermined rank (here, B rank) (A) or not (S81), and if it is A rank (S82: Yes), “Transaction” is displayed on the display 13. “Permission” is displayed (S83; see FIG. 10A). Further, the member database 21 is accessed to record a “conditional transaction flag” in the corresponding record 23 (S84), and the transaction result is printed on the receipt R by the receipt printer 17 (S85). Further, the current transaction information (transaction amount, etc.) is recorded in the corresponding record 23 of the member database 21, the information is updated (S86), and the process is terminated. On the other hand, when the customer rank is equal to or lower than the predetermined rank (B rank or C rank) (S82: No), “transaction stop” is displayed on the display 13 (S87; see FIG. 11 (b)), and the margin transaction process is performed. Cancel.

  As described above, according to the “transaction risk determination process D”, when the expiration date of the credit card CC has not expired and the customer rank read from the member database 21 exceeds the predetermined rank, the credit transaction with the member card MC is performed. It can be carried out. In other words, by permitting credit transactions according to customer ranks, loss of transaction opportunities can be reduced, and the customer's awareness of rank improvement can be increased, which can be used for sales promotion.

  In the above example, the customer rank is determined according to the total of the past transaction amount of the member card user and / or the number of transactions, but not limited to this, the sex, age, address, e-mail It may be determined based on various “member information” read from the member database 21 such as the presence or absence of address registration.

  As described above, according to the member card processing device, the POS terminal, the POS system, the program, and the member card processing control method of the present invention, information related to the expiration date of the credit card CC is read from the member database 21 and the expiration date is expired. When the number of remaining days exceeds the predetermined number of days, the credit card CC is allowed to perform a margin transaction. Therefore, the credit card CC expires while waiting for the expiration date of the margin transaction. Can be reduced. That is, the transaction amount can be reliably collected by setting the predetermined number of days longer than the number of days from the current day to the collection date of the margin transaction.

  In addition, by displaying on the display 13 information regarding the determination result of whether or not to allow margin transactions and the number of days remaining until the expiration date, whether or not to allow margin transactions with the membership card MC to the operator or the customer. In addition, it is possible to easily notify how many days of credit transactions are possible.

  In addition, even if the remaining number of days until the expiration date of the credit card CC is equal to or less than the predetermined number of days, if the customer presents a new credit card CC2 and the expiration date is renewed, a credit transaction with the membership card MC is performed. Can do. Therefore, the usable period of the membership card MC can be extended according to the update of the credit card CC, and there is no need to perform troublesome procedures such as updating the membership card MC every time the credit card CC is updated.

  Further, even when the remaining number of days until the expiration date of the credit card CC is small and the expiration date is not updated, predetermined information input and transaction risk determination processing (FIGS. 6 to 9) are executed. It is possible to permit a margin transaction with the membership card MC on the condition. In other words, by not permitting transactions uniformly according to the number of days remaining until the expiration date, but by allowing transactions with certain conditions, it is possible to reduce the loss of transaction opportunities while reducing the risk of uncollectibility. .

  In the second embodiment, the case where the remaining number of days until the expiration date of the credit card CC is not less than 0 and not more than the predetermined number of days and the expiration date is not updated is shown in FIGS. The transaction risk determination process is executed, and the credit transaction by the membership card MC is canceled when the predetermined condition is not satisfied. However, only the transaction risk determination process A to D is performed regardless of the expiration date of the credit card CC. Alternatively, it may be determined whether or not a margin transaction using the membership card MC is performed. According to this configuration, the determination process based on the expiration date is not required, so that the determination process can be simplified. It is also possible to allow a margin transaction by permitting either the expiration date or the transaction risk discrimination process.

  In the above example, the member information, the credit card information, the number of remaining days until the expiration date, and the like are displayed on the display 13 (see FIGS. 10 and 11), depending on the number of remaining days until the expiration date. The display form may be changed. For example, when the remaining number of days is equal to or less than a predetermined number of days, or when the expiration date has expired, the character color may be changed, or the shaded display area may be blinked. According to this configuration, the contents can be notified to the operator and the customer more easily.

  In addition, each function (each unit) in the POS terminal 10 shown in the above example can be provided as a program. Further, by storing the program in a storage medium (not shown) and installing the program in a personal computer or the like, the member card processing control method of the present invention can be realized in addition to the POS system 1 shown in the present embodiment. As the recording medium, a CD-ROM, a flash ROM, a memory card (compact flash (registered trademark), smart media, memory stick, etc.), a compact disk, a magneto-optical disk, a digital versatile disk, a flexible disk, and the like can be used.

  Further, each function for executing the membership card processing control method may be extracted from the POS terminal 10 and made independent as a membership card processing apparatus, and used by connecting to a conventional POS terminal computer. .

  Further, the system configuration, the device configuration, and the like can be appropriately changed without departing from the gist of the present invention, for example, without depending on the above-described embodiment.

1 is a configuration diagram of a POS system according to an embodiment of the present invention. It is a control block diagram of the POS system which concerns on embodiment of this invention. It is a functional block diagram of the POS terminal which concerns on embodiment of this invention. It is a flowchart which shows the membership card process control method which concerns on embodiment of this invention. It is a flowchart which shows the main routine of the membership card process control method which concerns on 2nd Embodiment of this invention. It is a flowchart which shows the subroutine A of the membership card process control method which concerns on 2nd Embodiment of this invention. It is a flowchart which shows the subroutine B of the membership card process control method which concerns on 2nd Embodiment of this invention. It is a flowchart which shows the subroutine C of the membership card process control method which concerns on 2nd Embodiment of this invention. It is a flowchart which shows the subroutine D of the membership card process control method which concerns on 2nd Embodiment of this invention. It is a figure which shows the example of a display of the display screen which concerns on embodiment of this invention. It is a figure which shows the other example of a display of the display screen which concerns on embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 POS system 10 POS terminal 12 Keyboard 13 Display 15 Card reader 18 Timer 19 Controller 20 POS server 25 Network 30 Credit inquiry server 110 Member card reading means 120 Credit card reading means 130 Timing means 140 Transaction amount input means 150 Expiration date information reading means 160 Information update means 170 Remaining days calculation means 180 Credit inquiry means 190 Transaction discrimination means 200 Display means 210 Control means CC credit card MC membership card

Claims (21)

A member card processing device for conducting a credit transaction through a member card issued on condition that the credit card information is presented, the member storing information on the expiration date of the credit card held by the user of the member card In what is used in connection with the database,
Membership card reading means for reading the information of the membership card;
Expiration date information reading means for reading information related to the expiration date of the credit card with reference to the member database based on the read information of the membership card;
Transaction discriminating means for discriminating whether or not to allow credit transaction by the membership card based on the number of remaining days until the expiration date,
The membership card processing device, wherein the transaction discriminating means does not permit a credit transaction by the membership card when the number of remaining days until the expiration date is equal to or less than a predetermined number of days.   2. The membership card processing apparatus according to claim 1, further comprising display means for displaying a discrimination result by the transaction discrimination means.   3. The membership card processing apparatus according to claim 2, wherein the display unit further displays information regarding the number of remaining days until the expiration date. Credit card reading means for reading information of the credit card presented by a user of the membership card;
Credit inquiry means for making a credit inquiry based on the read credit card information;
As a result of the credit inquiry, when the use of the credit card is authorized, an information update means for updating information on the expiration date of the credit card stored in the member database based on the read information of the credit card; Further comprising
The transaction discriminating means is
When the remaining number of days until the expiration date of the credit card is equal to or less than the predetermined number of days, the credit card reading unit, the credit inquiry unit, and the information update unit are executed, and the expiration date is updated by the information update unit 4. The member card processing device according to claim 1, 2, or 3, wherein a margin transaction by the member card is permitted. The transaction discriminating means is
If the remaining number of days until the expiration date of the credit card is not less than 0 and not more than the predetermined number of days, and the expiration date has not been updated by the information update unit,
5. The membership card processing device according to claim 4, wherein a credit transaction using the membership card is permitted on condition that predetermined information is input. A transaction amount input means for inputting a transaction amount of a margin transaction using the membership card;
The transaction discriminating means is
If the remaining number of days until the expiration date of the credit card is not less than 0 and not more than the predetermined number of days, and the expiration date has not been updated by the information update unit,
It is further determined whether or not the transaction amount input by the transaction amount input means exceeds a predetermined amount, and when it is determined that the transaction amount exceeds the predetermined amount, the credit card transaction is not permitted. The membership card processing device according to claim 4 or 5. In the member database, information on the average value of the past transaction amount of the member card user is stored,
The transaction discriminating means is
If the remaining number of days until the expiration date of the credit card is not less than 0 and not more than the predetermined number of days, and the expiration date has not been updated by the information update unit,
Read information on the average value of the past transaction amount from the member database, further determine whether the transaction amount input by the transaction amount input means exceeds the average value of the past transaction amount, 7. The membership card processing device according to claim 6, wherein when it is determined that the transaction amount exceeds an average value of the past transaction amount, a credit transaction using the member card is not permitted. In the member database, information on past transaction results of the member card user is stored,
The transaction discriminating means is
If the remaining number of days until the expiration date of the credit card is not less than 0 and not more than the predetermined number of days, and the expiration date has not been updated by the information update unit,
Whether or not the information relating to the past transaction result is read from the member database, and the information relating to the past transaction result includes fraud information indicating that the member card user has performed an illegal transaction in the past. The membership card processing device according to claim 4, wherein when the fraud information is included, the credit card transaction is not permitted. The member database stores customer rank information determined in accordance with the total transaction amount of the member card user and / or the number of transactions,
The transaction discriminating means is
If the remaining number of days until the expiration date of the credit card is not less than 0 and not more than the predetermined number of days, and the expiration date has not been updated by the information update unit,
Read the customer rank information from the member database, further determine whether or not the customer rank information is below a predetermined rank, and if it is determined that the customer rank information is below a predetermined rank, do not allow credit transactions with the member card The membership card processing device according to claim 4, wherein: In the membership card processing device that performs credit transactions by reading the information of the membership card issued on condition that the credit card information is presented,
Transaction amount input means for inputting the transaction amount of the margin transaction by the membership card;
Transaction discriminating means for discriminating whether or not to allow credit transaction by the membership card based on the inputted transaction amount,
The membership card processing device, wherein the transaction discriminating means does not permit a credit transaction by the membership card when the transaction amount exceeds a predetermined amount. A membership card processing device for conducting a credit transaction through a membership card issued on condition that credit card information is presented, and a member database storing information on an average value of past transaction amounts of the membership card user In what is used in connection with
Transaction amount input means for inputting the transaction amount of the margin transaction by the membership card;
Membership card reading means for reading the information of the membership card;
Transaction amount information reading means for referring to the member database based on the read information of the member card and reading information related to the average value of the past transaction amount;
Transaction discriminating means for discriminating whether or not to allow a credit transaction by the membership card based on the read average value of the past transaction amount and the transaction amount input by the transaction amount input means,
The membership card processing device, wherein the transaction discriminating means does not permit a credit transaction by the membership card when the transaction amount input by the transaction amount input unit exceeds an average value of the past transaction amounts. A membership card processing device for conducting a credit transaction through a membership card issued on condition that the credit card information is presented, connected to a member database storing information on past transaction results of the member card user. In what is used
Membership card reading means for reading the information of the membership card;
Transaction result information reading means for referring to the member database based on the read information of the member card and reading information on past transaction results of the member card user;
Transaction discriminating means for discriminating whether or not to allow credit transaction by the membership card based on the information on the past transaction result,
The transaction discriminating means does not permit a credit transaction by the member card when the information regarding the past transaction result includes unauthorized information indicating that the member card user has performed an unauthorized transaction in the past. A membership card processing device. A membership card processing device for conducting a credit transaction via a membership card issued on condition that credit card information is presented, depending on the total of the past transaction amount of the member card user and / or the number of transactions In connection with the member database that stores customer rank information to be determined,
Membership card reading means for reading the information of the membership card;
Customer rank information reading means for reading the customer rank information with reference to the member database based on the read information of the member card;
Transaction discriminating means for discriminating whether or not to allow credit transaction by the membership card based on the customer rank information,
The membership card processing device, wherein the transaction discriminating means does not permit a credit transaction by the membership card when the customer rank information is a predetermined rank or less. Each means of the membership card processing apparatus according to any one of claims 1 to 13,
A POS terminal that performs accounting processing and a credit transaction with the membership card based on an input of product information by an operator.   15. A POS system comprising: the POS terminal according to claim 14; and a POS server that includes the member database and performs overall control of the POS terminal via a network.   A computer-readable program for realizing each means of the membership card processing device according to any one of claims 1 to 13. Member card reading means for reading member card information issued on condition that credit card information is presented;
A member database storing information on the expiration date of the credit card held by the user of the member card;
Transaction discriminating means for discriminating whether or not to allow credit transaction by the membership card;
Control means,
A member card processing control method in a member card processing apparatus comprising:
The control means is
Reading the information of the membership card by the membership card reader;
Based on the read information of the member card, referring to the member database and reading information on the expiration date of the credit card;
If the remaining number of days until the expiration date exceeds a predetermined number of days, the credit discrimination by the membership card is permitted by the transaction discriminating means;
A member card processing control method characterized by executing: Transaction amount input means for inputting the transaction amount of a credit transaction with a membership card issued on condition that the credit card information is presented,
Transaction discriminating means for discriminating whether or not to allow credit transaction by the membership card;
Control means,
A member card processing control method in a member card processing apparatus comprising:
The control means is
Inputting the transaction amount by the transaction amount input means;
If the input transaction amount is less than or equal to a predetermined amount, allowing the transaction determination means to permit a credit transaction with the membership card;
A member card processing control method characterized by executing: Transaction amount input means for inputting the transaction amount of a credit transaction with a membership card issued on condition that the credit card information is presented,
Member card reading means for reading information of the member card;
A member database storing information on the average value of past transaction amounts of the member card user;
Transaction discriminating means for discriminating whether or not to allow credit transaction by the membership card;
Control means,
A member card processing control method in a member card processing apparatus comprising:
The control means is
Inputting the transaction amount by the transaction amount input means;
Reading the information of the membership card by the membership card reader;
Based on the read information of the member card, referring to the member database, reading information on the average value of the past transaction amount;
When the transaction amount input by the transaction amount input means is equal to or less than the average value of the past transaction amounts, allowing the credit transaction by the membership card by the transaction determination unit;
A member card processing control method characterized by executing: Member card reading means for reading member card information issued on condition that credit card information is presented;
A member database storing information on past transaction results of the member card user,
Transaction discriminating means for discriminating whether or not to allow credit transaction by the membership card;
Control means,
A member card processing control method in a member card processing apparatus comprising:
The control means is
Membership card reading means for reading the information of the membership card by the membership card reading means;
Based on the read information of the member card, referring to the member database, and reading information related to past transaction results of the member card user;
When the information related to the past transaction result does not include fraudulent information indicating that the member card user has performed fraudulent transactions in the past, the transaction discriminating means permits credit transaction by the member card. Process,
A member card processing control method characterized by executing: Member card reading means for reading member card information issued on condition that credit card information is presented;
A member database storing customer rank information determined in accordance with the total transaction amount of the member card user and / or the number of transactions;
Transaction discriminating means for discriminating whether or not to allow credit transaction by the membership card;
Control means,
A member card processing control method in a member card processing apparatus comprising:
The control means is
Reading the information of the membership card by the membership card reader;
Reading the customer rank information with reference to the member database based on the read information of the member card;
When the customer rank information exceeds a predetermined rank, the transaction discriminating means permits the credit transaction by the membership card;
A member card processing control method characterized by executing:

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