JP4584569B2 - Sales price collection method and sales price collection program - Google Patents

Description

  The present invention relates to a sales price collection method and a sales price collection program that are used when a department in charge of a sales base collects the sales price of each base.

Today, there are merchandise sales companies that have a plurality of sales bases (stores) and control them at the headquarters. For example, a company adopting a franchise system in which a franchisor (headquarters) and a franchisee (member) are signed by a franchise contract. This merchandise sales company generally has a general department (headquarters) that manages purchases and sales of a plurality of stores. This headquarters conducts sales development and sales management by quickly grasping the sales situation of each store. Therefore, a technique for the headquarters to acquire the sales status of each store in real time is disclosed (for example, see Patent Document 1). In Patent Document 1, the store server is omitted, and the head office server and a plurality of POS (Point Of Sales) terminals of each store are connected by a communication line. This eliminates the time lag and allows the headquarters to grasp the sales of each store in real time.
JP 2000-123255 A (page 3)

  Thus, even when the sales situation is managed using the POS terminal, it is necessary to send the sales price at each store separately. For example, conventionally, the sales price of each store has been made by a store manager (store manager or owner) transferring money to a bank account at the headquarters. For this reason, the manager (store manager or owner) of the store needs to transfer the sales price to the bank account at the headquarters, which requires time and fees.

  The present invention has been made in view of the above-described problems, and an object thereof is to provide a sales price collection method and a sales price collection program capable of efficiently collecting sales price.

In order to solve the above-mentioned problem, the invention described in claim 1 includes a store terminal that performs a confirmation notification process of the sales amount of a franchise store, and a store via a financial dedicated network for using a debit card service. Connected to the host computer of the issuing bank that manages the account , installed in the store, the management computer installed in the franchise headquarters, the account data storage means that recorded the card data held in the cash card issued by the issuing bank The sales data storage means for receiving and recording the sales data including the product name and price of the product, the reading date and time of the bar code, and the store identifier of the sold store from the POS terminal a sales price recovery method to recover the sales price, the management computer, via the shop terminal b Identifying the store identifier used for in, extracting sales data including the store identifier from the sales data storage means, and calculating the sales amount of the store based on the sales data; and In order to prompt the specification of the sales amount, a confirmation step of transmitting data relating to the calculated sales amount to the store terminal, and data relating to the password of the store account are received from the store terminal together with the confirmation data of the sales amount A personal identification number data receiving step, acquiring card data of the store account recorded in the account data storage means based on the store identifier , and data relating to the sales amount and the personal identification number received from the store terminal; a transfer destination account data to identify the account, sales price draw down using a predetermined format to be used in the financial-only network It generates Lai data, and summarized in that comprises a withdrawal request step of transmitting the sales price debit request data to the host computer.

The invention according to claim 2, in sales payment collection method according to claim 1, wherein the account is card data recorded in the data storage means, reads the card data stored in the cash card in a card reader, recording It is a summary.

The invention described in claim 3 is a store terminal that performs a confirmation notification process of the sales amount of a franchise store, and a host computer of an issuing bank that manages a store account via a dedicated financial network for using a debit card service From a management computer installed in the franchise headquarters, account data storage means for recording card data held in a cash card issued by the issuing bank , and a POS terminal installed in the store Sales price collection that collects the sales price of the store using the sales data storage means that receives and records the sales data including the product name, price, date and time of reading the barcode, and the store identifier of the store that sold. a program, the management computer was used to log in through a shop terminal store Identifying a bespoke, extracting sales data including the store identifier from the sales data storage unit, and calculating sales amount of the store based on the sales data, prompting specification of the sales amount Therefore, confirmation means for transmitting data relating to the calculated sales amount to the store terminal, PIN data receiving means for receiving, from the store terminal, data relating to the PIN of the store account together with the confirmation data for the sale amount, And a transfer destination account for acquiring card data of the store account recorded in the account data storage means based on the store identifier and specifying the sales amount and the PIN number received from the store terminal , and the head office account the data, to generate the sales price direct debit request data by using a predetermined format to be used in the financial-only network, this And summary of the case in which the upper price direct debit request data as withdrawal request means for transmitting to the host computer.

According to a fourth aspect of the present invention, in the sales price collection program according to the third aspect, the card data recorded in the account data storage means is read by recording the card data held in the cash card with a card reader. It is a summary.

The invention according to claim 11 is the sales price collection program according to any one of claims 7 to 10, wherein the management computer is connected to a sales data storage means for recording the sales data of the store. Sales calculation means for calculating the sales amount of the store based on the sales data of the store acquired from the sales data storage means, and transmission means for transmitting data relating to the calculated sales amount to the store terminal The gist is to further function.

(Function)
According to the first or third aspect of the present invention, the management computer receives the store account password data together with the sales amount confirmation data. The management computer transmits the received personal identification number data and the card data recorded in the account data storage means to the issuing bank host computer via the financial dedicated network. That is, the sales price is collected by a withdrawal process in which the sales price is withdrawn from the store account and transferred to the head office account using the existing debit card service. Further, since the card data of the store account recorded in the account data storage means is used, it is not necessary to use a cash card every time a request for withdrawal of the sales price is made in order to collect the sales price. Therefore, the headquarters can efficiently collect the sales price of each store.

According to the invention described in claim 1 or 3 , the management computer creates sales price withdrawal data in response to reception of the transmission instruction request from the store terminal. For this reason, the store terminal can make a withdrawal request even if it transmits a transmission instruction request that does not include card data. Accordingly, when a sales price withdrawal request is made, the sales price can be withdrawn without receiving the card data from the store terminal, thereby further preventing leakage of the card data.
Further, according to the first or third aspect of the invention, the sales data storage means records store sales data. For this reason, the management computer stores the sales data from the sales data storage means.
By acquiring the data, the sales amount of the store can be calculated and the sales amount can be presented to the store terminal. Therefore, at the store terminal, it is not necessary to total sales, and the sales amount can be easily confirmed.

According to the invention described in claim 2 or 4 , the card data recorded in the account data storage means is recorded as data obtained by reading a cash card with a card reader. For this reason, since the card data and personal identification number data used for the existing debit card service can be used, the existing service can be used as it is, and the withdrawal of the sales price can be requested.

  According to the present invention, the sales price of a store can be efficiently collected.

  Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. In the present embodiment, a case where the franchise (FC) headquarters collects the sales price from each store will be described. The sales price is collected using a debit card service.

  In the present embodiment, a store terminal 11 is installed in each store 10. In the present embodiment, for example, a personal computer is used as the store terminal 11. The store terminal 11 includes a display 12, a keyboard, and a mouse. The display 12 is used to display store sales information. The keyboard and mouse are used when an administrator (such as a store manager or owner) who manages sales of products in the store 10 inputs various instructions. Furthermore, the store terminal 11 has a communication function, and can be connected to the sales settlement server 22 via the network ND, as will be described later.

  Furthermore, in this embodiment, the POS terminal 16 is installed in the store 10. The POS terminal 16 includes a bar code reader 17. The POS terminal 16 includes a storage unit (not shown). In this storage unit, data relating to the product name and price associated with the barcode identifier is recorded. Here, the product name is specifically “XX company XX gum” or “△ company △ ramen”. Therefore, based on the barcode identifier read from the barcode reader 17, the POS terminal 16 acquires data relating to the product name and price of the product to which the barcode is assigned.

  In the present embodiment, the headquarters system 20 is installed in the franchise headquarters. The headquarter system 20 includes a management computer 21. The management computer 21 has a CPU, a RAM, a ROM, and the like (not shown), and processes described later (a confirmation stage, a PIN code data reception stage, a withdrawal request stage, a creation stage, a sales calculation stage, a transmission stage, an amount input stage, and a sales amount Process including data reception stage). For this reason, by executing the sales price collection program, the management computer 21 causes the confirmation means, personal identification number data reception means, withdrawal request means, creation means, sales calculation means, transmission means, amount input means, and sales amount data reception means. And so on.

The management computer 21 includes a card reader (not shown). This card reader is used to read data held in a cash card as will be described later.
The management computer 21 is connected to the sales settlement server 22 and the POS server 23.

  The sales settlement server 22 is connected to the store terminal 11 via the network ND, and exchanges data with the store terminal 11. Further, the sales settlement server 22 has an account data storage unit 22a, and writes data to and reads data from the account data storage unit 22a.

  As shown in FIG. 2, the account data storage unit 22 a records account data 220 used when executing sales settlement of the store 10. The account data 220 is recorded when the cash card data is read when the store newly uses the system. The account data 220 includes data relating to a store identifier, a login password, and an account identifier.

In the store identifier data area, data relating to an identifier for specifying each store is recorded.
In the login password data area, data related to the login password of each store 10 is recorded. This login password is used for authentication processing when each store 10 accesses the sales settlement server 22 using the store terminal 11.

  In the account identifier data area, data relating to an identifier for specifying an account, which will be described later, in which each store 10 deposits the sales price is recorded. In this embodiment, the account of the bank 30 for issuing the cash card provided to the manager of the store 10 is used as this account. The account identifier data of the present embodiment is data (card data) read from a cash card using a card reader, and specifically includes data related to a bank code, a branch code, a deposit item code, and an account number. Consists of.

  On the other hand, the POS server 23 is connected to the POS terminal 16 via the network NP as shown in FIG. 1, and exchanges data with the POS terminal 16. The POS server 23 has a sales data storage unit 23a, and writes data to and reads data from the sales data storage unit 23a.

  As shown in FIG. 3, the sales data storage unit 23 a records sales data 230 related to sales at each store 10. The sales data 230 is recorded when the POS terminal 16 acquires data based on the barcode identifier. The sales data 230 includes data related to sales date / time, store identifier, sales product name, and sales price.

  In the sales date / time data area, data related to the date / time when the product is sold is recorded. Specifically, this data is the date and time when the POS terminal 16 of each store 10 reads the barcode data attached to the product through the barcode reader 17 when the product is sold.

In the store identifier data area, data relating to an identifier for identifying a store that sells a product is recorded.
Data relating to the product name of the sold product is recorded in the sales product name data area.

In the sales amount data area, data relating to the sales amount of the product is recorded.
On the other hand, the management computer 21 shown in FIG. 1 is connected to the host computer 31 of the issuing bank 30 via a dedicated financial network NC for using the debit card service. In the present embodiment, CAFIS (registered trademark: Credit And Finance Information System) is used as the financial dedicated network NC. Here, the issuing bank 30 is a bank in which an account for entering the sales price at the store 10 is opened and a cash card is issued to the manager of the store 10. Further, the host computer 31 is a host computer that performs a sales price reduction process in response to a request received via the financial dedicated network NC.

  Further, the host computer 31 of the issuing bank 30 is connected to the host computer 41 of the settlement bank 40. The settlement bank 40 is connected to the host computer 31 of the issuing bank 30 and the host computer 61 of the member store bank 60, and performs settlement between these banks. Here, the member store bank 60 is a bank where an account of the headquarters from which the sales price is collected is opened.

Furthermore, the management computer 21 of the headquarter system 20 is connected to the host computer 51 of the clearing center 50 via the financial dedicated network NC. The host computer 51 of the clearing center 50 aggregates transaction data between the issuing bank with the store manager's account and the member store bank with the headquarters account in order to save the trouble of individually transferring funds between the banks. And the offset payment data is generated. For this reason, the host computer 51 of the clearing center 50 transmits and receives information to and from the host computer 41 of the settlement bank 40.

  The host computer 51 of the clearing center 50 is connected to the management computer 21 of the headquarter system 20. Based on the request of the FC headquarters, the sales price withdrawal details data is transmitted to the management computer 21. Note that the sales price deduction details data includes data relating to the transfer source and transfer amount in which transactions were made to the account of the headquarters of the member store bank 60 using the debit card service.

Next, in the system configured as described above, processing when the headquarter collects the sales price of the store 10 will be described with reference to FIGS.
(Card data registration process)
First, card data registration processing will be described with reference to FIG. The registration process of the card data of the store 10 using this system is performed. At this time, the manager of the store 10 opens an account in the issuing bank 30 into which the sales price of the store 10 is to be put. Then, with respect to the account, card data registration processing is performed using the cash card C issued by the issuing bank 30.

  First, the management computer 21 of the headquarter system 20 acquires card data related to the account of the issuing bank 30 that delivers the sales price of the store 10 (step S1-1). Specifically, the manager of the store 10 passes the cash card C through the card reader of the head office system 20. As a result, the management computer 21 acquires the card data held in the cash card C.

  Then, the management computer 21 sets a store identifier and a login password that are set in advance (step S1-2). This login password is a password used when the manager of the store 10 accesses the sales settlement server 22 of the head office system 20.

  Next, the management computer 21 transmits the account data 220 to the sales settlement server 22 (step S1-3). The account data 220 includes set store identifier data and login password data, and data acquired from a cash card.

The sales settlement server 22 records the received account data 220 in the account data storage unit 22a (step S1-4). Thus, the card data registration process is completed.
(Sales process)
Next, the sales process will be described with reference to FIG. This sales process is a process performed when a customer at the store 10 reads the barcode B given to the product with the barcode reader 17 in order to pay for the product to be purchased.

  First, the POS terminal 16 acquires the barcode identifier displayed on the barcode B of the product (step S2-1). Specifically, when the barcode B given to the product purchased by the customer is held over the barcode reader 17 of the POS terminal 16, the POS terminal 16 acquires the barcode identifier.

The POS terminal 16 acquires data on the product name and the price of the product from the built-in storage unit based on the acquired barcode identifier (step S2-2).
Then, the POS terminal 16 transmits the sales data to the POS server 23 of the headquarter system 20 (step S2-3). This sales data includes data on the product name and price of the product acquired based on the barcode B, and the date and time when the barcode B is read. Further, the sales data includes data related to the store identifier of the store that has sold.

  The POS server 23 that has received the sales data 230 stores the received data in the sales data storage unit 23a (step S2-2). Specifically, the POS server 23 records sales data 230 including data related to the sales date and time, the store identifier, the sales product name, and the sales price in the sales data storage unit 23a. Note that the POS server 23 records the price of the product as the sales price, with the date and time when the barcode B is read as the sales date and time.

  In this way, the series of processes described above is performed each time the barcode B of the product is read by the barcode reader 17 in order for the product to be sold at each store 10. Then, the sales data 230 of the sold product is stored in the sales data storage unit 23a in association with the store identifier.

(Sales price collection processing)
Next, the sales collection process will be described with reference to FIGS.
In the present embodiment, it is assumed that sales collection processing is performed every day. Therefore, this processing is performed after depositing the sales price for one day in the issuing bank 30.

  Then, the manager of the store 10 logs in to the headquarters system 20 from the store terminal 11 via the network ND in order to perform sales collection processing for that day (step S3-1). Specifically, when the store terminal 11 accesses the headquarter system 20, the headquarter system 20 transmits login screen data to the store terminal 11. The headquarters system 20 requests a store identifier and a login password using the login screen data.

The store terminal 11 that has received the login screen data displays a login screen 700 shown in FIG.
The login screen 700 includes a store identifier input field 701 and a login password input field 702. The store identifier input column 701 is a column for inputting a store identifier. A login password input field 702 is a field for inputting a login password.

  Further, the login screen 700 includes a login button 703 and a cancel button 704. The login button 703 is a button for executing login. A cancel button 704 is a button for canceling the processing.

  Here, the manager of the store 10 inputs his / her store identifier in the store identifier input field 701 and further inputs a login password in the login password input field 702. Then, a login button 703 is selected and transmission is instructed.

Thereby, the store terminal 11 transmits data related to the store identifier and the login password to the head office system 20.
Next, the management computer 21 of the headquarter system 20 performs user authentication (step S3-2). More specifically, the management computer 21 extracts the account data 220 including the same store identifier as the received store identifier from the account data storage unit 22a. Then, the management computer 21 collates the extracted login password of the account data 220 with the received login password. If the two match, the management computer 21 completes user authentication. If the two do not match, the management computer 21 notifies the store terminal 11 to that effect and stops the processing.

Next, the management computer 21 of the headquarter system 20 calculates the sales amount (step S3-3). Here, the sales amount is the store 1 during a predetermined period (one day in this embodiment).
This is the total amount of the sales price related to the product sold at 0. Specifically, the management computer 21 first extracts the sales data 230 sold in a predetermined period based on the sales date data of the sales data 230 recorded in the sales data storage unit 23a. Furthermore, the management computer 21 further extracts only the sales data 230 including the store identifier of the store 10 that performs the sales collection process from the extracted sales data 230. Then, the management computer 21 calculates the sales amount based on the sales amount data recorded in the sales data 230 extracted in this way.

  Next, the management computer 21 of the headquarters system 20 notifies the sales amount (step S3-4). Specifically, screen data for displaying the sales amount is transmitted to the store terminal 11.

  The store terminal 11 that has received the notification from the management computer 21 of the head office system 20 displays the sales amount (step S3-5). Specifically, the shop terminal 11 displays a confirmation screen 800 shown in FIG.

  On the confirmation screen 800, a sales amount display 801 of the store 10 is displayed. The sales amount display 801 is the amount calculated by the management computer 21 in step S3-3.

  In addition, the confirmation screen 800 includes a message that prompts the user to input a personal identification number when the confirmation of the sales amount is completed. Further, the confirmation screen 800 includes a password input field 802 and a send button 803. The personal identification number input field 802 is a field for inputting the personal identification number of the account of the issuing bank 30 in which the sales price of the store 10 is deposited. A transmission button 803 is a transmission button for transmitting a personal identification number.

  In addition, the confirmation screen 800 includes a correction button 804 and a cancel button 805. The correction button 804 is a button selected when the sales amount display 801 is corrected. When the correction button 804 is selected, a correction screen is displayed on the display, and the sales amount can be corrected. Further, a cancel button 805 is a button for canceling the processing.

  Here, the manager of the store 10 confirms the sales amount display 801. If the sales amount is correct, the password is entered in the password input field 802 using the keyboard and mouse, and the send button 803 is selected.

  In this case, the store terminal 11 transmits a confirmation notification to the headquarter system 20 (step S3-6). In the present embodiment, this confirmation notification includes data related to the password entered in the password input field 802, the store identifier, and the sales amount. In the present embodiment, the data regarding the store identifier and the sales amount transmitted together with the personal identification number data in the confirmation notification corresponds to the confirmation data.

The management computer 21 of the headquarter system 20 that has received the confirmation notification transmits a withdrawal request to the financial dedicated network NC (step S3-7). Specifically, the management computer 21 acquires account identifier data (card data) of the store from the account data storage unit 22a based on the store identifier included in the confirmation notification. Then, the management computer 21 generates withdrawal request data as sales price withdrawal request data using the acquired account identifier data and personal identification number data. Further, the withdrawal request data includes data relating to the sales amount and data specifying a transfer destination account of the sales amount. In the present embodiment, the data specifying the transfer destination account is data specifying the headquarter account. This withdrawal data is configured in a predetermined format used in the financial dedicated network NC. Then, the generated withdrawal request data is transmitted to the host computer 31 of the issuing bank 30 via the financial dedicated network NC.

  Next, a withdrawal process is executed in the host computer 31 of the issuing bank 30. Then, the host computer 31 transmits the withdrawal result data to the headquarter system 20 via the financial dedicated network NC. The management computer 21 of the headquarter system 20 records data on the withdrawal result received from the host computer 31 via the financial dedicated network NC in a storage unit (not shown) (step S3-8). If the account balance is insufficient, the host computer 31 notifies the headquarter system 20 to that effect and ends the processing. When the withdrawal process is completed, the withdrawal result data is transmitted to the host computer 51 of the clearing center 50 via the financial dedicated network NC.

  Next, the management computer 21 of the headquarters system 20 notifies the withdrawal result to the store terminal 11 (step S3-9). The manager of the store 10 can confirm that the sales price has been withdrawn from the account by notifying the withdrawal result.

  Thereafter, the host computer 51 of the clearing center 50 transmits the payment data to the host computer 41 of the payment bank 40. Further, the host computer 51 of the clearing center 50 transmits sales price withdrawal details data to the management computer 21 of the head office system 20. This sales price withdrawal detail data is detailed data relating to the sales price of each store 10 withdrawn from the host computer 31 of each issuing bank 30. Then, the management computer 21 records the sales price withdrawal details data received from the clearing center 50 (step S3-10).

  The host computer 41 of the settlement bank 40 that has received the settlement bottom data from the host computer 51 of the clearing center 50 transmits a replacement or billing message via the Zengin system based on the settlement bottom data. As a result, the transfer is made with the current account balances of the issuing bank 30 and the member store bank 60. After this inter-bank settlement is completed, the sales price is deposited in the headquarters account established in the member store bank 60. Bank fees will be deducted when sales proceeds are deposited into the headquarters account.

As described above, the FC headquarters can collect the sales price of each store 10 into the account of the headquarters via the issuing bank 30.
According to this embodiment, the following effects can be obtained.

  In the present embodiment, when the manager of the store 10 confirms the sales amount and inputs the password, the store terminal 11 transmits the input password data to the head office system 20. Then, the management computer 21 of the headquarter system 20 sends a withdrawal request including the received personal identification number data, the account data recorded in the account data storage unit 22a, and the sales amount data to the host of the issuing bank 30 via the financial dedicated network NC. It transmits to the computer 31 (step S3-7). The host computer 31 performs a withdrawal process based on the received withdrawal request. That is, using the payment in the so-called existing debit card service, the sales price is withdrawn from the account of the issuing bank 30 and transferred to the account of the member store bank 60 of the headquarters. For this reason, the sales price can be immediately withdrawn from the account of the issuing bank 30 in which the sales price is put, and the headquarters can efficiently collect the sales price.

  In addition, since the time during which payment processing by a debit card can be performed is longer than the time during which bank transfer processing can be performed, there is a high degree of freedom in the time for which the sales price can be withdrawn, and convenience can be improved.

  In the present embodiment, the headquarter system 20 is provided with a sales settlement server 22 having an account data storage unit 22a for storing the account identifier data of the issuing bank 30 that deposits the sales price in association with the store identifier. For this reason, when the management computer 21 of the headquarter system 20 receives the account password data from the store terminal 11, the management computer 21 acquires the account identifier data from the account data storage unit 22a, and uses the account identifier data and the password data. Thus, it is possible to request the issuing bank 30 to withdraw the sales price. The management computer 21 can make a withdrawal request only by receiving the password data. Therefore, the FC headquarters can efficiently recover the sales price while further preventing leakage of card data. Further, since the account identifier data is acquired in advance and stored in the sales settlement server 22, a card reader for reading the account identifier data recorded in the cash card C and a terminal for using the debit card service are provided in the store 10. There is no need to install. This also makes it possible to efficiently collect the sales price.

  -In this embodiment, the sales data regarding the goods sold from the POS terminal 16 of the store 10 are supplied to the POS server 23, and the sales data 230 are recorded on the sales data storage part 23a. For this reason, the management computer 21 can quickly grasp the sales situation at each store 10.

  Further, the management computer 21 calculates the sales amount of each store 10 based on the sales data 230 recorded in the sales data storage unit 23a (step 3-3). Then, the management computer 21 transmits the calculated sales amount to the store terminal 11 (step S3-4). The store terminal 11 displays the sales amount display 801 by displaying the confirmation screen 800 (step S3-5). For this reason, it is not necessary to total sales in the store 10, and the sales amount can be easily confirmed.

  -In this embodiment, the management computer 21 inputs and transmits the PIN code data of an account with the completion of the confirmation of the sales amount at the store terminal 11. For this reason, when receiving the personal identification number data, the management computer 21 can immediately request the host computer 31 of the issuing bank 30 to perform the sales price deduction processing as well as the confirmation of the sales amount. Therefore, the withdrawal process can be performed more promptly after the confirmation at the store terminal 11 is completed.

  In this embodiment, the withdrawal result is notified to the store terminal 11 (step S3-9). For this reason, the store terminal 11 can know more reliably that the withdrawal from the account of the issuing bank 30 has been performed.

  In the present embodiment, the sales price withdrawal details data received from the clearing center 50 is recorded (step S3-10). For this reason, since the headquarters system 20 acquires sales price withdrawal details data, the sales price collection status of each store 10 can be easily grasped.

  In the present embodiment, the sales data storage unit 23a records not only the sales amount but also the data regarding the sales date and sales store. Therefore, the management computer 21 can easily calculate sales for a predetermined period at a predetermined store.

In addition, you may change this embodiment as follows.
In the above embodiment, the headquarters collects the sales price for each day of each store 10. The period for collecting the sales price is not limited to this, and the sales price for a plurality of days may be collected together, or the sales price for a predetermined time may be collected.

  In the above embodiment, the management computer 21 of the headquarter system 20 that has received the confirmation notification generates a withdrawal request and transmits it to the financial dedicated network NC (step S3-7). Specifically, the management computer 21 acquires the account identifier data of the store from the account data storage unit 22a based on the store identifier included in the confirmation notification. Then, the management computer 21 generates withdrawal request data including the acquired account identifier data, personal identification number data, and sales amount data. Instead, the store terminal 11 may generate withdrawal request data. In this case, the management computer 21 provides the store terminal 11 with the account identifier data recorded in the account data storage unit 22a and the data specifying the transfer destination account. And the withdrawal request data incorporating the password entered by the manager of the store 10 is generated. This withdrawal data is configured in a predetermined format used in the financial dedicated network NC. Furthermore, this withdrawal request data is transmitted to the financial dedicated network NC via the head office system 20. The headquarter system 20 can perform the withdrawal processing of the sales price simply by relaying the withdrawal request data received from the store terminal 11.

  In the above embodiment, a personal computer or the like installed in the store 10 is used as the store terminal. Instead of this, as a store terminal, for example, a mobile terminal (for example, a mobile phone terminal) of an administrator of the store 10 may be used. In this case, after depositing the sales price of the store in the issuing bank 30, the sales collection process can be performed on the spot, and the sales can be collected more quickly.

  In the above embodiment, the sales data 230 of each store 10 is managed in the POS server 23 of the head office system 20. Instead, the POS terminal 16 of each store 10 may manage sales data. In this case, the management computer 21 of the headquarter system 20 may acquire sales data necessary for calculating the sales amount from the POS terminal 16.

  In the above embodiment, in the sales collection process, the management computer 21 calculates the sales amount of the store 10 and transmits the sales amount to the store terminal 11. Instead of this, the sales amount data may be acquired from the store terminal 11 without presenting the sales amount from the management computer 21. In this case, the sales data storage unit 23a may not be provided.

  In the above embodiment, account identifier data is recorded in the account data storage unit 22a. Instead of this, the management computer 21 may acquire account identifier data and personal identification number data from the store terminal 11. In this case, an account data storage unit 22a for managing the card data of the cash card C is provided in the store terminal 11.

In the above embodiment, the store terminal 11 and the POS terminal 16 which are separate bodies are used. Instead, a terminal in which both functions of the store terminal 11 and the POS terminal 16 are integrated may be used.
In the above embodiment, when the account identifier data of the cash card C is recorded in the account data storage unit 22a, the account identifier data of the cash card C is acquired by the card reader connected to the management computer 21. Instead, for example, the management computer 21 may acquire the account identifier data (card data) of the cash card C via the store terminal 11. Specifically, a card reader is lent out to a store 10 to be newly opened, and this card reader is connected to the store terminal 11. Then, the store terminal 11 may transmit the account identifier data acquired from the cash card C via the card reader to the management computer 21 of the headquarter system 20 via the network ND.

The system schematic of embodiment of this invention. Explanatory drawing of the data recorded on the account data storage part. Explanatory drawing of the data recorded on the sales data storage part. Explanatory drawing of the procedure of the registration process in this embodiment. Explanatory drawing of the procedure of the sales process in this embodiment. Explanatory drawing of the procedure of the sales collection process in this embodiment. The screen figure of the login screen of the sales report in this embodiment. The screen figure of the confirmation screen of the sales report in this embodiment.

Explanation of symbols

  C: cash card, NC: financial dedicated network, 10: store, 11: store terminal, 21: management computer, 22a: account data storage unit as account data storage means, 23a: sales data storage unit as sales data storage means 30 issuance bank, 31 is a host computer.

Claims (4)

Connected to the store terminal that performs the confirmation notification of the sales amount of the franchise store and the host computer of the issuing bank that manages the store account through a dedicated financial network for using the debit card service, and installed in the franchise headquarters A managed computer,
Account data storage means for recording card data held in a cash card issued by an issuing bank ;
Using sales data storage means for receiving and recording sales data including data relating to the product name and price of the product, the reading date and time of the barcode, and the store identifier of the sold store from the POS terminal installed in the store The sales price collection method for collecting the sales price of the store,
The management computer is
Identify the store identifier used for logging in via the store terminal,
Sales calculation stage for extracting sales data including the store identifier from the sales data storage means, and calculating the sales amount of the store based on the sales data;
A confirmation step of transmitting data relating to the calculated sales amount to the store terminal in order to prompt identification of the sales amount ;
A password data receiving step for receiving data relating to the password of the store account together with the confirmation data of the sales amount from the store terminal;
Transfer account data for acquiring card data of the store account recorded in the account data storage means based on the store identifier , specifying the sales amount and the PIN number received from the store terminal , and the head office account And a withdrawal request step of generating sales price withdrawal request data using a predetermined format used in a financial dedicated network and transmitting the sales price withdrawal request data to the host computer. 2. The sales price collection method according to claim 1 , wherein the card data recorded in the account data storage means is obtained by reading and recording card data held in the cash card with a card reader . Issuing bank that manages store accounts via a store terminal that performs confirmation processing of the sales amount of franchise stores and a dedicated financial network for using the debit card service
A management computer connected to the host computer and installed at the franchise headquarters,
  Account data storage means for recording card data held in a cash card issued by an issuing bank;
  Using sales data storage means for receiving and recording sales data including data relating to the product name and price of the product, the reading date and time of the barcode, and the store identifier of the sold store from the POS terminal installed in the store A sales price collection program that collects the sales price of a store,
  The management computer,
  Identify the store identifier used for logging in via the store terminal,
  Sales calculation means for extracting sales data including the store identifier from the sales data storage means, and calculating the sales amount of the store based on the sales data;
  Confirmation means for transmitting data relating to the calculated sales amount to the store terminal in order to prompt the specification of the sales amount;
  PIN code data receiving means for receiving, from the store terminal, data related to the PIN code of the store account together with the confirmation data of the sales amount;
  Transfer account data for acquiring card data of the store account recorded in the account data storage means based on the store identifier, specifying the sales amount and the PIN number received from the store terminal, and the head office account Is generated as a withdrawal request means for generating sales price withdrawal request data using a predetermined format used in a financial dedicated network and transmitting the sales price withdrawal request data to the host computer. 4. The sales price collection program according to claim 3, wherein the card data recorded in the account data storage means is obtained by reading and recording card data held in the cash card with a card reader.

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