Self-payment system, self-payment method, and self-payment program

Abstract

To provide a system, a method and a program for self-payment of pawn fees, which contribute to the advantage of simplifying the process of pawn shops in relation to payment of pawn fees. [Solution] The processor of the pawn fee self-payment system accepts specific information via an input interface, acquires target pawn information, which is pawn information linked to the accepted specific information, from a memory in which multiple pawn information linked to the specific information is stored (S31), displays on a display a payment pawn fee, which is a pawn fee corresponding to the extendable deadline, based on the forfeiture deadline included in the acquired target pawn information (S33), accepts payment corresponding to the displayed payment pawn fee via a register (S43), and when payment corresponding to the payment pawn fee is accepted, extends the forfeiture deadline by the extension deadline, which is the extendable deadline corresponding to the payment pawn fee, and updates the pawn information in memory (S44).

Description

[Technical Field]

[0001] The present invention relates to a pawn self-payment system, a pawn self-payment method, and a pawn self-payment program. [Background technology]

[0002] At a pawnbroker, the pawner receives a loan of principal using the pawned item as collateral. In this case, if the pawner does not pay the pawn fee to the pawnbroker by the foreclosure deadline, the foreclosure will occur. On the other hand, the pawner can extend the foreclosure deadline by paying the pawn fee to the pawnbroker.

[0003] Patent Document 1 discloses a pawnbroker business system that uses a Leuco card on which the pawner's ID is recorded to extend the redemption deadline. In this pawnbroker business system, the redemption deadline is extended in the following procedure: First, the pawner submits the Leuco card to the pawnbroker. Next, the pawnbroker uses the Leuco card to carry out the procedure to extend the redemption deadline. Once this procedure is complete, the pawnbroker returns the Leuco card to the pawner. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2016-170693 Summary of the Invention [Problem to be solved by the invention]

[0005] In the above-mentioned pawn shop business system, the issue is how to simplify the pawn shop's process for paying the pawn fee.

[0006] SUMMARY OF THE INVENTION An object of the present invention is to provide a self-payment system, a self-payment method, and a self-payment program for pawning that contribute to the advantage of simplifying the process by pawn shops regarding the payment of pawn fees. [Means for solving the problem]

[0007] A first aspect of the present invention provides a pawn self-payment system comprising a display that displays information regarding the payment of a pawn, a register that accepts the payment of the pawn, an input interface that accepts input of specific information to identify pawn information including a redemption deadline, and a processor. The processor performs the following steps: a reception process that accepts the specific information via the input interface; an acquisition process that, when the specific information is accepted by the reception process, acquires target pawn information, which is the pawn information linked to the accepted specific information, from a memory in which multiple pieces of pawn information are stored linked to the specific information; a display process that displays on the display a paid pawn fee, which is the pawn fee corresponding to an extendable deadline, based on the redemption deadline included in the target pawn information acquired by the acquisition process; a payment process that accepts via the register a payment corresponding to the paid pawn fee displayed by the display process; and an update process that, when a payment corresponding to the paid pawn fee is accepted by the payment process, updates the pawn information in the memory by extending the redemption deadline by the extension deadline, which is the extendable deadline corresponding to the paid pawn.

[0008] According to the first aspect, for example, when the pawner inputs specific information via an input interface, the payment amount is displayed. When the pawner pays the payment amount via a register, the redemption deadline is extended. In this way, the self-payment system for pawn fees contributes to the advantage of simplifying the process for pawnbrokers regarding payment of pawn fees.

[0009] In the pawn self-payment system according to the first aspect of the present invention, the processor may accept, as the specific information in the reception process, a pawn ticket number assigned to each pawn contract.

[0010] In this case, the self-payment system for pawning offers the advantage that pawn information can be easily identified by the pawn ticket number.

[0011] In the pawn self-payment system relating to the first aspect of the present invention, the input interface may include a code reader, and the processor may accept the pawn ticket number during the reception process by reading a pawn ticket code, which is a code attached to the pawn ticket and indicates the pawn ticket number, with the code reader.

[0012] In this case, the self-payment system for pawn fees offers the advantage that it makes it easier for the pawner to input the pawn ticket number compared to when the pawn ticket number is manually input via a touch panel or the like, for example.

[0013] In the pawn self-payment system relating to the first aspect of the present invention, the input interface includes a keyboard or a touch panel, and when the processor does not accept the pawn ticket number during the reception process, it may accept information that can identify the pawner as the specific information via the keyboard or the touch panel.

[0014] In this case, the self-payment system for pawning contributes to the advantage that pawn information can be easily identified even if the pawner does not know the pawn ticket number.

[0015] In the pawn self-payment system relating to the first aspect of the present invention, the processor performs a determination process to identify the extendable deadline from the forfeiture deadline included in the target pawn information obtained by the acquisition process and the date at which the target pawn information was obtained by the acquisition process, and if multiple extendable deadlines are identified by the determination process, the display process may display the identified multiple extendable deadlines on the display in a selectable manner.

[0016] In this case, the self-payment system for pawning contributes to the advantage that it becomes easy for the pawner to select the extendable period.

[0017] A first aspect of the present invention provides a pawn self-payment system that includes a printer that issues a pawn ticket on which pawn details including at least the redemption deadline from the pawn information are printed, and when the pawn information is updated by the update process, the processor may cause the printer to issue a pawn ticket on which pawn details including at least the extended redemption deadline from the updated pawn information are printed.

[0018] The self-payment system for pawn fees contributes to the advantage that it becomes easy for the pawner to check the extended foreclosure deadline.

[0019] In the pawn fee self-payment system according to the first aspect of the present invention, a server having the memory is provided, and the processor is capable of communicating with the server. A self-checkout system including the display, the register, the input interface, and the processor is installed in each pawn shop, and the memory may store multiple pieces of pawn information linked to the specific information for each pawn shop.

[0020] In this case, the pawning self-payment system offers the advantage of being able to centrally manage pawning information from multiple stores on a server.

[0021] A second aspect of the present invention provides a self-payment method for pawn fees using a self-payment system for pawn fees, the system comprising a display for displaying information regarding payment of the pawn fee, a register for accepting payment of the pawn fee, and an input interface for accepting input of specific information for identifying pawn information including a redemption deadline, the method comprising: a reception process for accepting the specific information via the input interface; an acquisition process for, when the specific information is accepted by the reception process, acquiring target pawn information, which is the pawn information linked to the accepted specific information, from a memory in which multiple pieces of pawn information are stored linked to the specific information; a display process for displaying on the display a paid pawn fee, which is the pawn fee corresponding to an extendible deadline, from the redemption deadline included in the target pawn information acquired by the acquisition process; a payment process for accepting via the register a payment corresponding to the paid pawn fee displayed by the display process; and an update process for, when payment corresponding to the paid pawn fee is accepted by the payment process, updating the pawn information in the memory by extending the redemption deadline by the extension deadline, which is the extendible deadline corresponding to the paid pawn fee.

[0022] The second aspect offers similar advantages as the first aspect.

[0023] A third aspect of the present invention provides a pawn fee self-payment program, which is characterized in that it causes a computer controlling a pawn fee self-payment system having a display that displays information regarding the payment of pawn fees, a register that accepts the payment of the pawn fees, and an input interface that accepts input of specific information to identify pawn information including a redemption deadline to execute the following: a reception process that accepts the specific information via the input interface; when the specific information is accepted by the reception process, an acquisition process that acquires target pawn information, which is the pawn information linked to the accepted specific information, from a memory in which multiple pieces of pawn information are stored linked to the specific information; a display process that displays on the display a paid pawn fee, which is the pawn fee corresponding to an extendible deadline based on the redemption deadline included in the target pawn information acquired by the acquisition process; a payment process that accepts via the register a payment corresponding to the paid pawn fee displayed by the display process; and when a payment corresponding to the paid pawn fee is accepted by the payment process, an update process that updates the pawn information in the memory by extending the redemption deadline by the extension deadline, which is the extendible deadline corresponding to the paid pawn fee.

[0024] The third aspect offers similar advantages as the first aspect. [Brief explanation of the drawings]

[0025] [Figure 1] 1 is a diagram showing an overview of a pawn self-payment system 1 and the electrical configurations of a self-checkout system 2A and a server 3. FIG. [Figure 2] FIG. 10 is a diagram showing a quality content storage area 32A. [Figure 3] FIG. [Figure 4] 10 is a flowchart of a pawn self-payment process. [Figure 5] 5 is a flowchart showing the pawn self-payment process, continuing from FIG. 4. [Figure 6] FIG. 10 is a diagram showing the initial state of the pawn payment screen 4. [Figure 7]FIG. 10 is a diagram showing a pawn payment screen 4 after the pawn content display process (S33) has been performed. DETAILED DESCRIPTION OF THE INVENTION

[0026] A self-payment system for pawning 1 will be described with reference to the drawings. The self-payment system for pawning 1 is one embodiment of the present invention. The referenced drawings are used to explain technical features that may be adopted by the present invention. The configurations, controls, and the like of the devices shown in the drawings are not intended to be limiting and are merely illustrative examples.

[0027] In the embodiments described below, the pawning fee self-payment system 1 shown in FIG. 1 is an example of a "pawning fee self-payment system" of the first aspect. The pawning fee self-payment program 221 shown in FIG. 1 is an example of a "pawning fee self-payment program" of the third aspect. The display 24 shown in FIG. 1 is an example of a "display" of the first to third aspects. The cash register 27 shown in FIG. 1 is an example of a "cash register" of the first to third aspects. The touch panel 25 and code reader 26 shown in FIG. 1 are examples of an "input interface" of the first to third aspects. The CPU 21 shown in FIG. 1 is an example of a "processor" of the first aspect and a "computer" of the third aspect. The memory 32 shown in FIG. 1 is an example of a "memory" of the first to third aspects. The printer 28 shown in FIG. 1 is an example of a "printer" of the first aspect. The server 3 shown in FIG. 1 is an example of a "server" of the first aspect.

[0028] The processes of S12 and S22 shown in Figure 4 are an example of the "reception process" of the first to third aspects. The quality information acquisition process (S31) shown in Figure 5 is an example of the "acquisition process" of the first to third aspects. The quality content display process (S33) shown in Figure 5 is an example of the "display process" of the first to third aspects. The payment process (S43) shown in Figure 5 is an example of the "payment process" of the first to third aspects. The quality information update process (S44) shown in Figure 5 is an example of the "update process" of the first aspect. The deadline specification process (S32) shown in Figure 5 is an example of the "specification process" of the first aspect.

[0029] The overall configuration of a pawn fee self-payment system 1 will be described with reference to FIG. 1. The pawn fee self-payment system 1 is a system used in the operation of a pawn shop and includes one or more self-checkout systems 2 and a server 3. One or more self-checkout systems 2 are installed in each of the pawn shops that are affiliated with each other. In this embodiment, the one or more self-checkout systems 2 include a self-checkout system 2A installed in store A and a self-checkout system 2B installed in store B.

[0030] The configuration of the self-checkout system 2B is the same as the configuration of the self-checkout system 2A. Therefore, the following will describe the configuration of the self-checkout system 2A, and will omit a description of the configuration of the self-checkout system 2B.

[0031] The self-checkout system 2A includes a CPU 21 and a memory 22. The CPU 21 and the memory 22 are electrically connected to each other. The CPU 21 functions as a processor and executes the functions of the self-checkout system 2A.

[0032] The memory 22 is a non-volatile storage device, and in this embodiment is a flash memory. Various data are stored in the memory 22. The various data include programs. The programs are computer-readable instructions. The programs are executed by the CPU 21. When executed by the CPU 21, the programs instruct the CPU 21 to perform various processes. In this embodiment, the programs include a pawn self-payment program 221 for executing the pawn self-payment process described below and shown in Figures 4 and 5.

[0033] The CPU 21 is electrically connected to a communication interface 23, a touch panel display 29, a code reader 26, a register 27, and a printer 28.

[0034] The communication interface 23 is a driver element for communicating with the server 3 via the Internet 10. Therefore, the CPU 21 can communicate with the server 3 via the communication interface 23.

[0035] The touch panel display 29 includes a display 24 and a touch panel 25. The display 24 is configured, for example, by an LCD, and displays various information under the control of the CPU 21. The various information includes, for example, information regarding payment of the pawn. The touch panel 25 is a type of input interface and is provided on the display 24. The touch panel 25 outputs information to the CPU 21 in accordance with the operation received. For example, the touch panel 25 receives input of personal information, which will be described later.

[0036] Code reader 26 is a type of input interface that accepts input of information and outputs the input information to CPU 21. In this embodiment, code reader 26 is a reading device for reading pawn ticket code 92 printed on pawn ticket 9 (described later) shown in FIG. 3, and accepts input of pawn ticket number (described later).

[0037] The cash register 27 is a terminal that allows cash or cashless payment based on the operation of the pawner, and is a so-called self-service cash register. For example, the cash register 27 accepts payment of the pawn fee from the pawner.

[0038] Printer 28 performs various printing operations on a print medium (paper in this embodiment) under the control of CPU 21. For example, printer 28 prints pawn details (described below) on the print medium to issue a pawn ticket 9 (described below) shown in FIG.

[0039] In this embodiment, the CPU 21, memory 22, and communication interface 23 are mounted on a personal computer. Note that the components of the self-checkout system 2A (CPU 21, memory 22, communication interface 23, display 24, touch panel 25, code reader 26, cash register 27, and printer 28) may be integrated or separate. For example, the display 24 may be attached to the cash register 27, or may be separate from the cash register 27 and connected to the cash register 27 via a cable. Also, for example, the CPU 21 may be mounted on the cash register 27, or may be mounted on another component.

[0040] The server 3 includes a CPU 31 and a memory 32. The CPU 31 and the memory 32 are electrically connected to each other. The CPU 31 functions as a processor and controls the server 3.

[0041] The memory 32 is a non-volatile storage device, and in this embodiment is a flash memory. Various data are stored in the memory 32. The various data include programs. Furthermore, the memory 32 is provided with a pawn content storage area for each pawn shop, that is, linked to a store ID. In this embodiment, the pawn content storage area includes a pawn content storage area 32A linked to store A and a pawn content storage area 32B linked to store B. Details of the pawn content storage areas will be described later with reference to FIG. 2.

[0042] A communication interface 33 is electrically connected to the CPU 31. The communication interface 33 is a driver element for communicating with one or more self-checkout systems 2 (in this embodiment, self-checkout systems 2A and 2B) via the Internet 10. Therefore, the CPU 31 can communicate with one or more self-checkout systems 2 mutually via the communication interface 33.

[0043] The query content storage area 32A will be described in detail with reference to Fig. 2. The configuration of the query content storage area 32B is the same as the configuration of the query content storage area 32A. Therefore, a description of the configuration of the query content storage area 32B will be omitted.

[0044] The pawn content storage area 32A stores multiple pieces of pawn information linked to identifying information. The identifying information is information for identifying the pawn information, and in this embodiment includes the pawn ticket number and personal information. The pawn ticket number is an identification number (control number) for the pawn contract and is assigned to each pawn contract. Examples of pawn ticket numbers are "9114," "9117," and "9118." In this embodiment, the pawn ticket number consists of only numbers, but may also include letters, symbols, etc.

[0045] The personal information is information that can identify the pawner, and in this embodiment, includes "name," "telephone number," and "date of birth." For example, the name linked to pawn ticket number "9114" and the name linked to "9117" are each "Tenko Taro." For example, the telephone number linked to pawn ticket number "9114" and the telephone number linked to "9117" are each "telephone number A." For example, the date of birth linked to pawn ticket number "9114" and the date of birth linked to "9117" are each "January 1, 1990." In other words, Figure 2 shows an example in which the pawner of pawn ticket number "9114" and the pawner of pawn ticket number "9117" are the same person.

[0046] The pawn information indicates the content of the pawn agreement concluded between the pawner and the pawnbroker, and in this embodiment includes the "pawning date," "foreclosure date," "pawn payment history," "loan amount," "pawn fee," and "pawned item." The pawning date indicates the date on which the pawner deposited the pawned item with the pawnbroker and borrowed money from the pawnbroker, i.e., the date on which the pawn agreement was concluded between the pawner and the pawnbroker. For example, the pawning date linked to pawn ticket number "9114" is "April 3, 2025."

[0047] The redemption date indicates the date on which the pawnbroker can dispose of the pawned item entrusted to the pawner by the pawner. The redemption date is the date a predetermined period has elapsed since the redemption date, and is the redemption deadline. In this embodiment, the predetermined period is three months and is determined by the pawn contract. For example, the redemption date linked to pawn ticket number "9114" is three months after the pawning date of "April 3, 2025," and is "July 3, 2025."

[0048] The pawn fee payment history shows the history of the pawner's pawn fee paid to the pawnbroker. The pawn fee history includes the date the pawn fee was paid and the number of months corresponding to the amount of pawn fee paid. For example, the pawn fee payment history linked to pawn ticket number "9114" is "none." "none" indicates that the pawner has no history of paying pawn fee to the pawnbroker. For example, the pawn fee payment history linked to pawn ticket number "9118" is "July 2, 2025, 1 month." "July 2, 2025, 1 month" indicates that the pawner paid one month's pawn fee to the pawnbroker on July 2, 2025.

[0049] The loan amount is the principal amount lent, and indicates the amount that the pawner borrowed from the pawnbroker. For example, the loan amount associated with pawn ticket number "9114" is "32,000 yen."

[0050] The pawn fee is the loan amount multiplied by a predetermined interest rate, and indicates the interest per unit month (one month in this embodiment) that must be repaid on the loan amount. In this embodiment, the predetermined interest rate is 8% and is determined by the pawn contract. For example, the pawn fee associated with pawn ticket number "9114" is the loan amount "32,000 yen" multiplied by 8%, or "2,560 yen / month."

[0051] Pawned items refer to items that a pawner has pawned at a pawnbroker. For example, the item associated with pawn ticket number "9114" is "Wristwatch A."

[0052] The pawn ticket 9 will be described with reference to Figure 3. The pawn ticket 9 is issued each time a pawn contract is concluded between a pawnbroker and a pawner, or each time a pawn contract is renewed. Renewal of a pawn contract includes renewal by payment of a pawn fee, for example. The pawn ticket 9 shows information about the pawn contract (hereinafter referred to as "pawn details"), and in this embodiment, the pawn details are printed on paper.

[0053] The pawn details include at least the redemption deadline (redemption date) among the pawn information, and in this embodiment include a pawn ticket number 91, a pawn ticket code 92, a pawning date 93, a redemption date 94, a pawner's name 95, a loan amount 96, a pawn fee 97, a score 98, and a breakdown of pawned items 99. In this embodiment, the pawn ticket code 92 is a barcode, and the code indicates the pawn ticket number. The score indicates the number of pawned items that the pawner has pawned at the pawnshop. The breakdown of pawned items 99 indicates the breakdown of the pawned items that the temporary owner has pawned at the pawnshop.

[0054] FIG. 3 shows an example of a pawn ticket 9 corresponding to the pawn ticket number "9114" shown in FIG. 2. Therefore, the pawn ticket number 91 is "9114." The pawning date 93 is "April 3, 2025." The forfeiting date 94 is "July 3, 2025." The pawner's name 95 is "Tokkyo Taro." The loan amount 96 is "¥32,000." The pawn fee 97 is "¥2,560 / month." The points 98 is "1 item." The breakdown of the pawned items 99 is "1 watch A."

[0055] The pawn fee self-payment process will be described with reference to Figures 4 and 5. When the power is turned on to the self-checkout system 2A, the CPU 21 reads and runs the pawn fee self-payment program 221 from the memory 22 shown in Figure 1, thereby executing the pawn fee self-payment process. The pawn fee self-payment process involves processing related to the payment of the pawn fee by the pawner.

[0056] When the pawn self-payment process is initiated, first, CPU 21 displays pawn payment screen 4 shown in Fig. 6 on display 24 shown in Fig. 1 (S11). The pawner pays the pawn while viewing pawn payment screen 4.

[0057] As shown in Figure 6, the pawn payment screen 4 includes a name display area 41, a pawn content display area 42, a total pawn payment display area 44, a deposited amount display area 45, a change display area 46, a cancel button 47, and a skip button 48.

[0058] The name display area 41 displays the name of the pawner. The pawn content display area 42 displays the pawn content. Details of the pawn content display area 42 will be described later with reference to FIG.

[0059] The total pawn fee paid display area 44 displays the total amount of pawn fees paid. The pawn fee paid is the pawn fee that the pawner will pay this time, and is the amount obtained by multiplying the pawn fee by the number of months to pay. The number of months to pay is the number of months for which the pawner requests an extension of the redemption deadline. Hereinafter, the number of months to pay is also referred to as the "extension deadline," and the number of months for which the pawner can request an extension of the redemption deadline is referred to as the "extendable deadline." In other words, the extendable deadline is the deadline that can be extended by the pawner paying pawn fees to the pawnbroker, and is less than the above-mentioned specified period (three months in this embodiment). The extension deadline is the number of months within the extendable deadline for which the pawner requests an extension of the redemption deadline. Therefore, the pawn fee paid is the pawn fee according to the extension deadline.

[0060] The deposit amount display area 45 displays the amount deposited by the pawner into the register 27 shown in Figure 1, i.e., the amount accepted by the register 27. The change display area 46 displays the change returned to the pawner, i.e., the difference between the deposited amount and the total amount of pawn fees paid.

[0061] When the pawn payment screen 4 is displayed in the processing of S11, the name display area 41, pawn details display area 42, total pawn payment display area 44, amount deposited display area 45, and change display area 46 do not yet display any of the display contents.

[0062] The cancel button 47 is a reset button for canceling operations performed via the touch panel 25 on the pawn payment screen 4 and returning to the initial state of the pawn payment screen 4. The skip button 48 is a button for skipping the input of the pawn ticket number, i.e., the reading of the pawn ticket code.

[0063] As shown in Fig. 4, following the processing of S11, CPU 21 determines whether the pawn ticket code has been read via code reader 26 shown in Fig. 1 (S12). For example, if the pawner has pawn ticket 9, the pawner holds pawn ticket code 92 of pawn ticket 9 over code reader 26. In this case, CPU 21 determines that pawn ticket code 92 has been read (S12: YES), and proceeds to processing of S31 shown in Fig. 5. On the other hand, if the pawn ticket code has not been read (S12: NO), CPU 21 proceeds to processing of S21.

[0064] In the process of S21, the CPU 21 determines whether the skip button 48 shown in Fig. 6 has been selected via the touch panel 25 shown in Fig. 1 (S21). If the skip button 48 has not been selected (S21: NO), the CPU 21 returns the process to the process of S12.

[0065] For example, if the pawner does not have the pawn ticket 9, the pawner operates the touch panel 25 to select the skip button 48. In this case, the CPU 21 determines that the skip button 48 has been selected (S21: YES), and the process proceeds to step S22.

[0066] In the process of S22, the CPU 21 determines whether personal information has been acquired via the touch panel 25 (S22). Although not shown, in this embodiment, when the skip button 48 is selected, the CPU 21 displays a personal information input screen on the display 24. The pawner operates the touch panel 25 to input personal information (in this embodiment, name, telephone number, and date of birth). If personal information has been input, the CPU 21 acquires the input personal information (S22: YES). In this case, the CPU 21 proceeds to the process of S23.

[0067] If no personal information has been input, the CPU 21 determines that no personal information has been acquired (S22: NO). In this case, the CPU 21 repeats the determination in S22 until personal information is acquired.

[0068] In the process of S23, the CPU 21 performs a search process (S23). In the search process, the CPU 21 searches for quality information linked to the personal information acquired in the process of S22. In this embodiment, the CPU 21 transmits the store ID and the personal information to the server 3 shown in FIG. 1, and also transmits a search instruction to the server 3 to search for quality information linked to the personal information. In the server 3, the CPU 31 receives the store ID, the personal information, and the search instruction from the self-checkout system 2A. The CPU 31 references the pawn content storage area 32A shown in FIG. 2 according to the store ID, and searches for personal information stored in the pawn content storage area 32A that is the same as the received personal information. The CPU 31 transmits search result information to the self-checkout system 2A according to the search result. In the self-checkout system 2A, the CPU 21 receives the search result information transmitted from the server 3.

[0069] The search result information indicates the search results by the CPU 31. Specifically, if there is no identical personal information, the search result information indicates that the pawner could not be identified. On the other hand, if there is identical personal information, the search result information indicates that the pawner was identified.

[0070] Following the search process (S23), the CPU 21 determines whether the pawner has been identified (S24) based on the search result information received by the search process (S23). If the search result information indicates that the pawner has not been identified, the CPU 21 determines that the pawner has not been identified (S24: NO). In this case, the CPU 21 returns the process to S22.

[0071] On the other hand, if the search result information indicates that the pawner has been identified, the CPU 21 determines that the pawner has been identified (S24: YES). In this case, the CPU 21 proceeds to the process of S31 shown in FIG.

[0072] Next, as shown in Fig. 5, CPU 21 performs a pawn information acquisition process (S31). In the pawn information acquisition process (S31), CPU 21 acquires target pawn information from memory 32. The target pawn information is pawn information linked to the pawn ticket number accepted in the process of S12 shown in Fig. 4 or the personal information accepted in the process of S22.

[0073] Specifically, the CPU 21 transmits the store ID, the pawn ticket number or personal information, and an instruction to request the target pawn information to the server 3. Upon receiving the store ID, the pawn ticket number or personal information, and the instruction to request the target pawn information, the server 3 references the pawn content storage area 32A corresponding to the received store ID and identifies the target pawn information based on the received pawn ticket number or personal information. The CPU 31 transmits the identified target pawn information and the pawn number and personal information linked to the target pawn information to the self-checkout system 2A. If the CPU 31 identifies multiple pieces of pawn information linked to the same personal information, for example, the CPU 31 transmits the multiple pieces of target pawn information to the self-checkout system 2A. In the self-checkout system 2A, the CPU 21 receives one or more pieces of target pawn information. As a result, the CPU 21 acquires one or more pieces of target pawn information.

[0074] Next, CPU 21 performs a deadline specification process (S32). In the deadline specification process, CPU 21 specifies an extendable deadline based on today's date and the pawning date, forfeiture date, and pawn payment history included in the target pawn information acquired in the process of S24. Note that today's date is the date when the target pawn information was acquired by the pawn information acquisition process (S31), and is stored in memory 22 by, for example, an RTC (real-time clock) (not shown).

[0075] Below, we will explain an example of how to determine the extendable deadline using the deadline determination process (S32) using the example of pawn ticket number "9114" shown in Figure 2, that is, a case where the pawning date is April 3, 2025, the forfeiture date is July 3, 2025, and there is no history of pawn payment. It is assumed that today's date is July 1, 2025.

[0076] First, the CPU 21 divides the period from the pawning date to the forfeiture date into predetermined unit periods. In this embodiment, the unit period is one month. Since the period from the pawning date to the forfeiture date is three months, the CPU 21 divides the period from the pawning date to the forfeiture date into a first period, a second period, and a third period.

[0077] The first day of the first period is the pawn date, for example, April 3, 2025. The last day of the first period is one month after the pawn date, for example, May 3, 2025. The first day of the second period is the day after the last day of the first period, for example, May 4, 2025. The last day of the second period is two months after the pawn date, for example, June 3, 2025. The first day of the third period is the day after the last day of the second period, for example, June 4, 2025. The last day of the third period is three months after the pawn date, that is, the forfeiture date, for example, July 3, 2025. The first and last days of each period may be set appropriately by the pawn agreement.

[0078] Next, the CPU 21 excludes the divided periods from the pawning date in order of the first period, the second period, and the third period, for the number of months for which pawn fees have been paid according to the pawn fee payment history. For example, if there is no pawn fee payment history, the divided periods will not be excluded. On the other hand, if there is a pawn fee payment for one month, for example, the first period will be excluded from the divided periods.

[0079] Next, the CPU 21 determines whether the period to which today's date belongs is the first period, the second period, or the third period. The CPU 21 specifies the extension limit according to the determined period. Specifically, if the period to which today's date belongs is the first period, the CPU 21 sets the extension limit to one month. If the period to which today's date belongs is the second period, the CPU 21 sets the extension limit to one month and two months. If the period to which today's date belongs is the third period, the CPU 21 sets the extension limit to one month, two months, and three months.

[0080] For example, if today's date is July 1, 2025, the period to which today's date belongs is the third period (June 4, 2025 to July 3, 2025). In this case, the possible extension periods are 1 month, 2 months, and 3 months. As described above, multiple possible extension periods are identified.

[0081] Although details are omitted, in the case of the example of pawn ticket number "9117" shown in Figure 2, the extension period is one month and two months.

[0082] Returning to the explanation of the pawn self-payment process, following the deadline specification process (S32), CPU 21 performs a pawn content display process (S33). In the pawn content display process (S33), CPU 21 displays various information on pawn payment screen 4 based on the personal information, pawn ticket number, and target pawn information acquired in the S31 process, and the results of the deadline specification process (S32).

[0083] Fig. 7 shows a display example in which the pawn information linked to the pawn ticket numbers "9114" and "9117" shown in Fig. 2 is the target pawn information. As shown in Fig. 7, the CPU 21 displays the name of the pawner included in the personal information in the name display area 41 on the pawn payment screen 4. For example, "Tokkyo Taro" is displayed in the name display area 41.

[0084] Furthermore, the CPU 21 displays various information in the pawn details display area 42 on the pawn fee payment screen 4. The pawn details display area 42 includes "No.", "pawn ticket number," "pawning information," "pawn fee / month," "number of months outstanding," "number of months paid," and "pawn fee paid." The upper limit value of "No." indicates the number of pawn tickets 9 entered. For example, "No." displays "1" and "2" from top to bottom. "9117" is displayed in the "pawn ticket number" corresponding to No. 1, and "9114" is displayed in the "pawn ticket number" corresponding to No. 2.

[0085] "Pawning information" indicates the pawning date, redemption date, loan amount, and pawned item. The "Pawning information" corresponding to No. 1 displays May 3, 2025 as the pawning date, August 3, 2025 as the redemption date, 18,000 yen as the loan amount, and Bag A as the pawned item. The "Pawning information" corresponding to No. 2 displays April 3, 2025 as the pawning date, July 3, 2025 as the redemption date, 32,000 yen as the loan amount, and Watch A as the pawned item.

[0086] Furthermore, the "Pawn Fee / Month" corresponding to No. 1 displays 1,440 yen, and the "Pawn Fee / Month" corresponding to No. 2 displays 2,560 yen. The "Number of Unpaid Months" indicates the number of months corresponding to the upper limit of the extension period identified by the deadline identification process (S32). For example, if the extension period is 1 month, 2 months, or 3 months, the upper limit is 3 months, so the number of unpaid months is 3 months. Therefore, the "Number of Unpaid Months" corresponding to No. 1 displays 2 months, and the "Number of Unpaid Months" corresponding to No. 2 displays 3 months.

[0087] The "Number of Payment Months" displays multiple selectable extension deadlines. In this embodiment, the "Number of Payment Months" is provided with increase / decrease buttons 43A and 43B corresponding to each "No." When the increase / decrease button 43A is selected via the touch panel 25, the number of payment months increases. When the increase / decrease button 43B is selected via the touch panel 25, the number of payment months decreases. Therefore, when multiple extendable deadlines are identified in the deadline identification process (S32) shown in FIG. 5, the pawner can select one of the multiple extendable deadlines by selecting the increase / decrease button 43A or 43B via the touch panel 25.

[0088] The "Pawn Fee Paid" displays the amount obtained by multiplying the "Pawn Fee / Month" by the "Number of Months Paid." The "Pawn Fee Paid" corresponding to No. 1 displays 1,440 yen, and the "Pawn Fee Paid" corresponding to No. 2 displays 7,680 yen. The total pawn fee paid display area 44 displays 9,120 yen, which is the sum of 1,440 yen and 7,680 yen.

[0089] Furthermore, the CPU 21 displays a payment button 49 on the pawn payment screen 4 in place of the skip button 48 shown in FIG.

[0090] 6, following the content display process (S33), the CPU 21 determines whether to increase or decrease the extension period (S34). If the increase / decrease button 43A, 43B is not selected via the touch panel 25, the CPU 21 determines not to increase or decrease the extension period (S34: NO). In this case, the CPU 21 proceeds to the process of S41.

[0091] On the other hand, if the increase / decrease button 43A, 43B is selected via the touch panel 25, the CPU 21 determines that the extension period should be increased or decreased (S34: YES). In this case, the CPU 21 performs a display update process (S35). In the display update process (S35), the CPU 21 updates the display of the number of payment months in the pledge content display area 42 based on the operation of the increase / decrease button 43A, 43B accepted in the process of S34. For example, if the increase / decrease button 43A corresponding to No. 1 is selected, the number of payment months is changed from "1" to "2" and displayed.

[0092] Next, CPU 21 determines whether to confirm the total amount of pawn fees to be paid (S41). After the pawner decides the number of months for payment, he selects payment button 49 via touch panel 25. If payment button 49 has not yet been selected, CPU 21 determines that the total amount of pawn fees to be paid has not yet been confirmed (S41: NO), and returns the process to S34.

[0093] On the other hand, if the payment button 49 is selected, the CPU 21 determines that the total amount of pawn fees to be paid should be confirmed (S41: YES). In this case, the CPU 21 confirms the total amount of pawn fees to be paid (S42). Next, the CPU 21 performs payment processing (S43). In the payment processing (S43), the CPU 21 accepts payment of the pawn fees from the pawner via the register 27 shown in FIG. 1. Depending on the accepted amount, the CPU 21 controls the display in the deposited amount display area 45 and the change display area 46 shown in FIG. 7, the payment of change to the pawner, and the like.

[0094] Next, the CPU 21 performs a pawn information update process (S44). In the pawn information update process, the CPU 21 updates the pawn information. Specifically, the CPU 21 extends the forfeiture date by the extension period and updates the pawn fee payment history.

[0095] In this embodiment, CPU 21 transmits the store ID, pawn ticket number, extension deadline, and instruction to update the pawn information to server 3. Upon receiving the pawn ticket number, extension deadline, and instruction to update the pawn information, CPU 31 in server 3 extends the forfeiture date (forfeiture deadline) corresponding to the received pawn ticket number by the received extension deadline and stores it in pawn content storage area 32A shown in FIG. 2 that corresponds to the store ID. Furthermore, CPU 31 updates and stores the pawn fee payment history according to today's date and extension deadline.

[0096] Next, CPU 21 causes printer 28 shown in FIG. 1 to issue (S45) a pawn ticket 9 printed based on the pawn information updated by the pawn information update process (S44). In this case, the extended redemption deadline is printed on pawn ticket 9. Although not shown, if, for example, the redemption deadline corresponding to pawn ticket number "9114" is extended by three months from July 3, 2025, October 3, 2025 is printed as redemption date 94 (redemption deadline) on pawn ticket 9 shown in FIG. 3. Following S45, CPU 21 returns the process to S11 shown in FIG. 4.

[0097] The main effects of the above-described embodiment will be described below. Note that the effects of the above-described embodiment are not limited to those described below, and the present invention is not limited to those effects.

[0098] In the above embodiment, the CPU 21 receives specific information via the touch panel 25 or the code reader 26 in the process of S12 or S22. When the CPU 21 receives specific information in the process of S12 or S22, the CPU 21 receives target pawn information from the pawn content storage area 32A of the memory 32 in a pawn information acquisition process (S31). In a pawn content display process (S33), the CPU 21 displays the pawn payment in the pawn content display area 42 on the display 24 based on the pawn redemption deadline included in the target pawn information received in the pawn information acquisition process (S31). In a payment process (S43), the CPU 21 receives a payment via the register 27 in accordance with the pawn payment displayed in the pawn content display process (S33). In a pawn information update process (S44), when a payment in accordance with the pawn payment is received in the payment process (S43), the CPU 21 updates the pawn information in the pawn content storage area 32A of the memory 32 by extending the redemption deadline by the extension deadline corresponding to the pawn payment. According to this system, for example, when the pawner inputs specific information via touch panel 25 or code reader 26, the pawn fee to be paid is displayed in pawn content display area 42 (S33). If the pawner pays the pawn fee via register 27 in this state, the redemption deadline is extended (S44). In this way, the pawner can extend the redemption deadline by inputting specific information and making a payment according to the pawn fee, without any processing by a pawnbroker clerk. Therefore, self-payment system 1 can simplify the pawnbroker's processing of pawn fee payments, contributing to the advantage of reducing the number of pawnbroker clerks required.

[0099] In the above embodiment, the CPU 21 accepts the pawn ticket number as the identification information in the process of S12. This provides the advantage that the pawn self-payment system 1 can easily identify the pawn information by the pawn ticket number.

[0100] In the above embodiment, CPU 21 accepts the pawn ticket number by reading pawn ticket code 92 with code reader 26 in the process of S12. This allows pawn self-payment system 1 to contribute to the advantage of making it easier for the pawner to input the pawn ticket number compared to when the pawn ticket number is manually input via touch panel 25, for example.

[0101] Furthermore, in the above embodiment, if the CPU 21 does not accept the pawn ticket number in the process of S12 (S12: NO), in the process of S22, it accepts personal information as identifying information via the touch panel 25. This allows the pawn fee self-payment system 1 to contribute to the advantage of making it easy to identify the pawn information even if the pawner does not know the pawn ticket number.

[0102] In the above embodiment, CPU 21, in the deadline specification process (S32), specifies the extendable deadline based on the forfeit pawn deadline included in the target pawn information and today's date. If multiple extendable deadlines are specified in the deadline specification process (S32), CPU 21, in the pawn content display process (S33), causes the specified multiple extendable deadlines to be selectable on display 24. This allows the pawner to operate touch panel 25 while looking at display 24 and select one of the multiple extendable deadlines. Therefore, pawn fee self-payment system 1 contributes to the advantage of making it easy for the pawner to select the extendable deadline.

[0103] Furthermore, in the above embodiment, when the pawn information is updated by the pawn information update process (S44), CPU 21 causes printer 28 to issue a pawn ticket 9 on which the updated pawn information, including at least the extended foreclosure deadline, is printed. This allows the pawner to confirm the extended foreclosure deadline by looking at the newly issued pawn ticket 9. Therefore, pawn fee self-payment system 1 contributes to the advantage of making it easy for the pawner to confirm the extended foreclosure deadline.

[0104] In the above embodiment, the self-checkout system 2 is installed in each pawn shop. Memory 32 stores multiple pawn information items linked to specific information for each pawn shop. This allows the self-payment system 1 to conveniently manage pawn information from multiple shops on the server 3.

[0105] The present invention may be modified in various ways from the above-described embodiment, and the modifications described below may be combined as appropriate within the scope of the present invention.

[0106] In the above embodiment, the self-checkout system 2A may be provided with another input interface, such as a keyboard or a mouse, instead of the touch panel 25. The self-checkout system 2A may omit either the touch panel 25 or the code reader 26. For example, if the code reader 26 is omitted, the pawner may operate the touch panel 25 to input the pawn ticket number into the self-checkout system 2A.

[0107] In the above embodiment, a single store may be provided with multiple self-checkout systems 2. In this case, a single CPU 21 may control multiple self-checkout systems 2, or different CPUs 21 may control the corresponding self-checkout systems 2.

[0108] In the above embodiment, one or more self-checkout systems 2 are each connected to the server 3 via the Internet 10. In contrast, the self-checkout systems 2 do not have to be connected to the server 3. That is, the pawn fee self-payment system 1 may omit the server 3. In this case, multiple pieces of pawn information may be stored in memory 22, linked to specific information. The pawn fee self-payment system 1 may also have a server 3 for each pawn shop. In this case, the CPU 21 controlling one or more self-checkout systems 2 installed in the same shop may be connected to the server 3 corresponding to the shop in which the one or more self-checkout systems 2 are installed.

[0109] In the above embodiment, CPU 21 accepts the pawn ticket number, and accepts personal information if the pawn ticket number is not accepted. Alternatively, CPU 21 may accept personal information without accepting the pawn ticket number. The personal information may be, for example, one or two of name, date of birth, and telephone number, or may further include an address, or may be a membership number instead.

[0110] In the above embodiment, the CPU 21 determines the extension deadline from the current date and the pawning date, forfeiture date, and pawn fee payment history included in the target pawn information. The method of determining the extension deadline may be changed from the above embodiment. For example, the CPU 21 may determine the extension deadline from the current date and forfeiture date (forfeiture deadline), or may determine the extension deadline from the current date and pawn fee payment history.

[0111] In the above embodiment, the pawn ticket 9 is made of paper. However, the pawn ticket 9 may be made of other materials or may be composed of electronic data. The pawn ticket code 92 may be a QR code (registered trademark) or the like. Instead of or in addition to the code reader 26, the self-checkout system 2 may be equipped with a camera that can recognize the numeric string (character string) of the pawn ticket number using a function such as OCR.

[0112] In the above embodiment, the number of payment months is selected using the increase / decrease buttons 43A and 43B. However, the method for selecting the number of payment months may be changed from the above embodiment. For example, the number of payment months may be displayed in a pull-down format.

[0113] In the above embodiment, the CPU 21 may change the processing order as long as no contradiction occurs. For example, the CPU 21 may perform the pawn information update process (S44) after the pawn ticket issuance process (S45).

[0114] In the above embodiment, a microcomputer, an ASIC (Application Specific Integrated Circuits), an FPGA (Field Programmable Gate Array), or the like may be used as the processor instead of the CPU 21. The pawn self-payment process may be distributed among multiple processors.

[0115] A non-transitory storage medium such as memory 22 may be any storage medium capable of retaining information regardless of the period for which the information is stored. A non-transitory storage medium does not have to include a transitory storage medium. A transitory storage medium is, for example, a transmitted signal. For example, the program may be downloaded from server 3 or another server connected to the network, i.e., transmitted as a transmission signal, and stored in memory 22. In this case, the program may be stored in a non-transitory storage medium provided in server 3 or another server. [Explanation of symbols]

[0116] 1. Pawn self-payment system 2, 2A, 2B Self-checkout system 3 Server 21 CPU 24 displays 25 Touch Panel 26 Code reader 27 Register 28 Printers 32 memory 221 Pawn Self-Payment Program

Claims

1. a display showing information regarding the payment of the pawn fee; a register for accepting payment of said pawn; an input interface that accepts input of specific information for identifying the requisition information including the requisition deadline; Processor and Equipped with The processor: a receiving process for receiving the specific information via the input interface; an acquisition process for acquiring, when the specific information is accepted by the acceptance process, target quality information, which is the quality information associated with the accepted specific information, from a memory in which a plurality of quality information items are stored linked to the specific information; a display process for displaying on the display a payment pawn fee, which is the pawn fee according to the extendable deadline, from the pawn deadline included in the target pawn information acquired by the acquisition process; a payment process for accepting, via the register, a payment according to the pawn payment displayed by the display process; an update process for updating the pawn information in the memory by extending the pawn deadline by an extension deadline that is the extendable deadline corresponding to the pawn payment when the payment corresponding to the pawn payment is accepted by the payment process; A pawn self-payment system characterized by:

2. The processor: In the reception process, a pawn ticket number assigned to each pawn contract is received as the specific information.

2. The pawn self-payment system according to claim 1.

3. the input interface includes a code reader; The processor: In the reception process, a pawn ticket code, which is a code attached to a pawn ticket and indicates the pawn ticket number, is read by the code reader, thereby receiving the pawn ticket number.

3. The pawn self-payment system according to claim 2.

4. the input interface includes a keyboard or a touch panel; The processor: In the reception process, if the pawn ticket number is not received, information capable of identifying the pawner is received as the specific information via the keyboard or the touch panel.

4. The pawn self-payment system according to claim 2 or 3.

5. The processor: performing a process of identifying the extension deadline based on the deadline for resale included in the target quality information acquired by the acquisition process and the date when the target quality information was acquired by the acquisition process; When a plurality of the extension possible deadlines are identified by the identification process, the plurality of identified extension possible deadlines are displayed on the display in a selectable manner in the display process.

2. The pawn self-payment system according to claim 1.

6. a printer for issuing a pawn ticket on which pawn details including at least the redemption deadline among the pawn information are printed; The processor: When the pawn information is updated by the update process, the printer is caused to issue the pawn ticket on which the pawn details including at least the extended pawn deadline of the updated pawn information are printed.

2. The pawn self-payment system according to claim 1.

7. a server having the memory; the processor is capable of communicating with the server; a self-checkout system including the display, the register, the input interface, and the processor is installed in each store of the pawn shop; The memory stores a plurality of the pawn information items linked to the specific information items for each of the pawn shops.

2. The pawn self-payment system according to claim 1.

8. 1. A method for self-payment of pawn fees using a self-payment system for pawn fees, the system comprising: a display for displaying information regarding payment of pawn fees; a register for accepting payment of said pawn fees; and an input interface for accepting input of specific information for identifying pawn information including a redemption deadline, the method comprising: a receiving process for receiving the specific information via the input interface; an acquisition process for acquiring, when the specific information is accepted by the acceptance process, target quality information, which is the quality information associated with the accepted specific information, from a memory in which a plurality of quality information items are stored linked to the specific information; a display process for displaying on the display a payment pawn fee, which is the pawn fee according to the extendable deadline, from the pawn deadline included in the target pawn information acquired by the acquisition process; a payment process for accepting, via the register, a payment according to the pawn payment displayed by the display process; an update process for updating the pawn information in the memory by extending the pawn deadline by an extension deadline that is the extendable deadline corresponding to the pawn payment when the payment corresponding to the pawn payment is accepted by the payment process; A self-payment method for pawning, comprising:

9. a computer that controls a pawn self-payment system that includes a display that displays information about pawn payment, a register that accepts payment of the pawn, and an input interface that accepts input of specific information for identifying pawn information including a redemption deadline; a receiving process for receiving the specific information via the input interface; an acquisition process for acquiring, when the specific information is accepted by the acceptance process, target quality information, which is the quality information associated with the accepted specific information, from a memory in which a plurality of quality information items are stored linked to the specific information; a display process for displaying on the display a payment pawn fee, which is the pawn fee according to the extendable deadline, from the pawn deadline included in the target pawn information acquired by the acquisition process; a payment process for accepting, via the register, a payment according to the pawn payment displayed by the display process; an update process for updating the pawn information in the memory by extending the pawn deadline by an extension deadline that is the extendable deadline corresponding to the pawn payment when the payment corresponding to the pawn payment is accepted by the payment process; A pawn self-payment program characterized by executing the following.

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