AU709794B1

AU709794B1 - Card transaction settlement method in point of sale systems

Info

Publication number: AU709794B1
Application number: AU83172/98A
Authority: AU
Inventors: Kang Hyoung Kim; Jong In Lee
Original assignee: Individual
Current assignee: Individual
Priority date: 1998-04-22
Filing date: 1998-09-08
Publication date: 1999-09-09
Anticipated expiration: 2018-09-08
Also published as: FR2778004A1; JPH11306417A; JP3015787B2; ES2151849A1; KR100273957B1; ES2151849B1; CA2244074C; DE19847030A1; DE19847030C2; GB9822562D0; TW436738B; CA2244074A1; KR19980033529A; FR2778004B1; GB2336703B; GB2336703A

Description

I/UUI11 2/5/91 Regulation 3.2(2)

AUSTRALIA

Patents Act 1990

ORIGINAL

COMPLETE SPECIFICATION STANDARD PATENT Application Number: Lodged: Invention Title: CARD TRANSACTION SETTLEMENT METHOD IN POINT OF SALE

SYSTEMS

The following statement is a full description of this invention, including the best method of performing it known to us CARD TRANSACTION SETTLEMENT METHOD IN POINT OF SALE SYSTEMS Background of the Invention The present invention relates to a card transaction settlement method in a point of sale system, afterward referred as POS system, which is capable of using a credit card or a debit card, and more particularly, to the card transaction settlement method in which an actual transaction is made after authorizing an Approval Before a Card Transaction, hereinafter referred to ABCT, for a Virtual Transaction Amount, hereinafter referred to VTA, is given, and in which when the actual transaction is completed, an Approval After a Card Transaction, hereinafter referred to AACT, for an Actual Transaction Amount, hereinafter referred to ATA, is requested for the transaction settlement whereby the settlement with the card can be conveniently accomplished since any conflict between the merchant and the consumer, caused by the difference between the transaction amount and the debited amount against the card and so on, can be eliminated, and whereby the merchant has less of the financial risk for refund, and whereby the signature is not necessary in the signature form, resulting that true non-cashier self-service sales can be introduced to the sales management system.

Herein, the VTA may also be a maximum-available amount, an user-entering amount, or a system-established available amount which is already stored in the POS system at different values, the maximum allowed amount values.

The present invention is not restricted to any particular kind of machine, although it is described below, by way of example, with reference to a self-service lubricator in the gas station.

Description of the Prior Art In general, the conventional sales management system is made to settle the transaction payment with either the card or cash, and particularly in expensive sales management system, the merchant installs the self-service POS system integrally including the sales management system for controlling the operation of the sales machines according to the result of the approval condition from the card terminal connected through the communication cable either to card issuing institutions or to the value-added network communication enterprise so as to increase the sales. But in such a system, the operator who is able to manipulate the card terminal and sales management machine should stay in the place with the system. U.S. Patent No.

5,652,786 on May 16, filed by Rogers, 1996 discloses an automated interactive bill payment system for processing payment transactions using debit card numbers without the requirement of a personal identification number.

As an example, FIG. 1 illustrates a schematic view of a self-service gas supplying method with the credit card/debit card settlement when the self-service sales system is applied to the general type lubricator. Referring to FIG. 1, the card holder requests to set the payment amount for the gas to be supplied by giving the credit card or the debit card, the sales clerk asks the consumer to sign in a signature form and sets the payment amount for the gas purchase into the lubricator with the use of the POS system after an acquirement of the card approval for the transaction amount for the current gas purchase settlement with the use of the card terminal. Therefore, the consumer who moved to the lubricator begins to feeding the car with the gas using a nozzle gun FIG. 2 is a schematic view of the self-service supplying gas method making settlement with either the credit card or the debit card using the self-service POS system in which the card terminal and the POS system are integrated together.

Referring now to FIG. 2, the consumer makes the card to be read through the credit card recognition unit or the debit card recognition unit 2 (or the cash verifier 3) which are installed on an outdoor terminal placed near the lubricator, and then sets either the desired payment amount or the desired gas amount with a plurality of setting keys 1.

Then the outdoor terminal automatically acquires the card approval through the serial communication, and prints the payment approval slip with the use of the receipt printer 4, and then sets the approved payment amount onto the lubricator. Thereafter, the consumer moves to the lubricator to feed the car with the gas using the nozzle gun by himself.

FIG. 3 is a schematic view of the self-service gas supply method making a payment with either the credit card or the debit card with the use of the self-service gas supply system comprising a credit card recognition unit, a debit card recognition unit, a cash verifier, a receipt issuer, and setting keys. Referring to FIG. 3, the consumer sets either the desired payment amount or the desired gas amount with the use of the setting keys 1 after making the card to be read by the credit card recognition unit or the debit card recognition unit 2 arranged on the lubricator. Herein, the self-service gas supply system acquires the approval code for the card either via the POS system installed in the office near from the lubricator, or with a serial communication in the selfservice gas supply system itself, and then sets either the approved payment amount or the approved gas amount. Therefore, the consumer begins to feed the car with the gas with the use of the nozzle gun 5 by himself. When the consumer completed filling up the gas, the self-service gas supplying system prints the receipt with the receipt printer 4. After the consumer receives the receipt, the self-service gas supply process is completed.

With the system described with the FIGs. 1-3, a consumer, who wants to purchase the gas with card payment, should receive the card approval for the transaction before feeding the car with the gas (since the card approval obtained after gas purchase can cause the quarrel between the consumer and the gas station merchant, it is not appropriate for the self-service gas supply). Moreover the consumer should set the payment amount for the gas so as to get the card approval for the amount, but the consumer does not know exactly how much gas can be supplied to the gas tank of his or her vehicle resulting in that the consumer request the card approval for the transaction for the purchase of the gas corresponding to the approximate amount.

It can actually take place that the gas tank of a vehicle is already full when a gas amount for the purchase is not fully supplied to the gas tank, resulting in that the consumer may ask a refund corresponding to the difference between the card transaction amount and the payment amount of a gas amount actually served.

Furthermore, if the consumer wishes to cancel the gas purchase after the card approval for the transaction is already received, it becomes more difficult to handle.

To solve problems described above, the card approval can be obtained after gas purchase. But that would be a big quarrel between the consumer and gas station merchant when the card approval is rejected because of the card invalidity. In a noncashier self-service gas station in particular, if the gas is filled up before receiving the card approval, there can be some disadvantages described above.

Objects of the Invention The present invention has been made to overcome the above described disadvantages of the prior art. The object of the present invention is to provide a card transaction settlement method in a POS system enabling acceptance of credit card payment and debit card payment, and more particularly to provide the card transaction settlement method in which the payment by either the credit card or the debit card is made after an approval before a card transaction ABCT is given, and in which when the transaction is completed, an approval after a card transaction AACT is requested for the transaction settlement whereby the settlement with the card can be conveniently accomplished since a conflict between the merchant and the consumer, causing from such as the difference between the transaction amount and the debited amount against the card, can be eliminated, whereby the merchant has less of the financial risk for a difference amount refund, and whereby the signature is not necessary in the signature form, resulting in that true non-cashier self-service sales can be introduced to the sales management system.

The first object of the present invention is to provide a card transaction settlement method in POS systems for settling transaction payments with use of a credit card and a debit card comprising the steps of requesting an approval before the card transaction ABCT for a virtual transaction amount VTA after the card is inserted and the virtual transaction amount is set; getting an authorization of the ABCT for the VTA with checking a card validity after inquiring a card information data; controlling goods sales after getting the authorization of the ABCT for the VTA, the controlling step including a permission of goods sales, an indication of the permission status, and a determination of completing goods sales; requesting an approval after the card transaction AACT for an actual transaction amount ATA after completing the controlling step, the requesting step including a prohibition of subsequent goods sales and an indication of the prohibition status; getting an authorization of the AACT for the ATA; and resetting to an initial stage of the POS systems after getting the authorization of the AACT, the resetting step including a generation of a receipt for the ATA and the card return.

The second object of the present invention is to provide the card transaction settlement method in POS systems wherein the step of requesting the ABCT for the VTA is executed under a condition that personal identification numbers of the card are entered after the card is inserted.

The third object of the present invention is to provide the card transaction settlement method in POS system further comprising a step of canceling the ABCT for the VTA, which is executed immediately after the step of getting the authorization of the ABCT for the VTA.

The 4th object of the present invention is to provide the card transaction settlement method in POS system further comprising a step of canceling the ABCT for the VTA, which is executed immediately after the step of controlling goods sales.

The 5th object of the present invention is to provide the card transaction settlement method in POS system further comprising a step of canceling the ABCT for VTA, which is executed after the step of getting the authorization of the AACT for the

ATA.

The 6th object of the present invention is to provide the card transaction settlement method in POS system further comprising a step of evaluating the ATA which is compared with the VTA after the step of controlling goods sales, the evaluating step including a prohibition of subsequent goods sales when the ATA is the same or exceeds to the VTA and an indication of the prohibition status.

Brief Description of the Drawings The above object and other advantages of the present invention will become more apparent by describing in detail the preferred embodiment thereof with reference to the attached drawings, in which: FIGs. 1-3 are schematic views for explaining the self-service gas supply method with either a credit card or a debit card in the prior art; FIG. 4 is a block diagram of the internal configuration of the self-service lubricator for explaining the card transaction settlement method in the POS systems according to an embodiment of the present invention; FIG. 5 illustrates one embodiment of the self-service lubricator shown in FIG. 4; FIG. 6 is a flowchart for explaining the card transaction settlement method performed in the self-service lubricator shown in FIG. 4; FIG. 7 is a flowchart for explaining the card transaction settlement method in the POS systems according to another embodiment of the present invention; FIGs. 8a-8c illustrate routes for requesting and receiving an approval before a card transaction for a virtual card transaction amount according to the present invention; and FIGs. 9a-9c illustrate routes for requesting and receiving an approval after a card transaction for an actual card transaction amount according to the present invention.

Description of the Preferred Embodiment Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings. Furthermore, the present invention will be described with application of the self-service lubricator.

FIG. 4 is a block diagram of an internal configuration of the self-service lubricator for explaining the card transaction settlement method in the POS system according to the present invention. Referring to the FIG. 4, the self-service lubricator can be composed of a lubricator 100 and a transaction settlement terminal 200. The lubricator 100 comprises at least one lubricating hole, a lubricator control unit 110 connected through a communication cable(RS-485) for receiving the commands from an external control terminal so as to determine whether the gas can be supplied through the lubricator hole, for indicating total payment amount and unit price per liter after calculation of how much gas is supplied to the consumer when the command instructing to supply the gas is received, wherein the gas is controlled to be supplied by closing/opening states of nozzle switches and nozzle latches whose number is corresponding to the number of the lubricator holes, and for simultaneously transmitting the calculated payment amount externally via the communication cable(RS-485). The transaction settlement terminal 200 comprises a cash verifier for scanning cash, a card recognition unit for reading an information stored in the various cards, and a transaction settlement control unit 210 connected to the lubricator control unit 110 through the communication cable(RS-485) for the purpose of communicating to each other for giving a permission to supply the gas if the information read from the card is determined to be valid after enquiry of the inputted information, for controlling overall automated payment operation of setting the transaction according to the settlement type and its manner of settling the transaction.

The transaction settlement terminal 200 also comprises a setting unit 255 for selecting the settlement type(cash or card) and gas supplying type(fixed amount of gas type, and fixed amount of money type) determined by the consumer. The transaction settlement terminal 200 further comprises a LCD indicator 256 for indicating a servicerelated information determined by the setting unit in graphics or characters, a status indicator 257 for displaying status visually with use of light emitting diode LED or lamp, and a voice outputting unit 258 for outputting service-related message displayed in the LCD indicator and in the status indicator with recorded voice. The cash verifier 251 comprises a banknote slot for inserting banknotes, and cash scanner for determining as to whether the banknote inserted and placed inside of the banknote slot is counterfeit. The card recognition unit 252, 253, and 254 comprise a card slot for inserting the card thereinto, a card fluoroscopy window for sensing the radio-frequency card within a certain distance, a radio frequency card recognition unit for reading the card information, a magnetic card recognition unit for reading the information stored in the magnetic stripe of the card, and an IC card recognition unit for reading the card information stored in the IC chip coated in the card, wherein those above mentioned card recognition unit read cards either when the card is inserted into the slot or when the card is passing by the card fluoroscopy window. The transaction settlement terminal 200 further comprises a security access module SAM 230 for off-line accessing validity of the information read from the card recognition unit upon a receipt of the information transmitted from the lubricator controller through the communication cable, and a communication interface circuit, modem, 240 for supporting data communication between the system and the card issuing institution/value-added network enterprise in order to access on-line the validity of the information read from the card recognition unit. The transaction settlement terminal 200 further comprises a power source unit 220 for providing the power to every unit arranged in the system and a receipt issuer 259 for issuing the receipt including payment amounts of transaction under the control of the transaction settlement unit.

The SAM 230 is connected to the transaction settlement control unit 210 via the communication cable(RS-232) and can be used to determine the card validity after the card is read either in the radio-frequency card recognition unit 253, or in the IC card recognition unit 254. The transaction settlement control unit 210 is connected to the power source 220 and is supplied with the power from the power source 220. The transaction settlement control unit 210 is connected to the transaction settlement unit including the magnetic card recognition unit 252, the radio-frequency card recognition unit 253, the IC card recognition unit 254, and the cash verifier. The transaction settlement control unit 210 is further connected to the receipt issuer 259, the LCD indicator 256 for displaying the instruction required to complete the transaction, the status indicator 257 for indicating the operating status of the system, the voice outputting unit 258 for providing the voice message, and the setting unit 255 for manipulating the selection of the manipulation keys.

At this time, the card recognition unit of course can be installed with all or any of the magnetic card recognition unit module, the radio-frequency card recognition unit, and the IC card recognition unit as required, and can be further adjusted according to the desired service to provided.

The lubricator 100 which is controlled by the lubricator controller supplied with the power from the power source unit 120, is used to supply the gas through the nozzle by pulling the gas stored in the tank under the ground to a pump/flowmeter 138 with the use of opening/closing the nozzle switches 136 and the nozzle latches(not shown in figures), and whose supply amount is determined by a setting unit 133 of the lubricator, and at this time the calculated transaction amount of money corresponding to the supplied gas is displayed in a display 132. Herein, the detection signal is transmitted to the lubricator controller 110 with the use of the pulse generation unit 134 and the position detector 131 which are arranged in the pump/flowmeter 138, then the lubricator controller differentially compares the received detection signal with the set value for gas supply by the predetermined logical operation(program) and then accordingly transmits the respective control signal. The solenoid valve 137 is controlled upon the receipt of the control signal so that the gas supplying amount is controlled. At this time, the lubricator controller 110 communicates with the control unit 210 of the transaction settlement terminal 200 with use of the communication cable(RS-485) such that the gas whose amount is determined by the setting unit 255, is supplied in the same manner as above, and herein the setting unit of the lubricator 100 is enabled.

FIG. 5 illustrates one embodiment of the self-service lubricator shown in FIG. 4.

The self-service lubricator in FIG.5 has only one lubricator slot. Referring to the figure, the self-service lubricator comprises a LCD indicator 256 for indicating the information required to do any key manipulation in graphics and characters, a setting unit 255 including a credit card setting key, an RF/IC card setting key, a cash setting key, a plurality of functional selection keys for setting gas supplying types such as a fixed payment amount type and a fixed gas amount type, a plurality of numerical keys, a correction key, and a reject key for selecting the appropriate menu, a receipt issuer 259 for issuing the receipt for the transaction amount with the use of either cash or various cards such as a credit card, a debit card, and a prepaid card, a card fluoroscopy window 253a for reading the radio-frequency card, a cash inserting slot 251a for inserting/extracting the cash, and a card inserting slot 252a for inserting/extracting the magnetic card and the IC card. Those elements described above are arranged in the front side. The self-service lubricator can further comprise a nozzle 14a and a nozzle gun 14 for pumping up the gas from the gas tank under the ground, and a display 132 for indicating the calculated payment amount and its unit price.

FIG. 6 is a flowchart for explaining the card transaction settlement performed by the self-service lubricator shown in FIGs. 4 and 5. Referring to the figure, the card transaction settlement method of one embodiment of the present invention comprises a step 611-616 of requesting an approval before the card transaction ABCT for a virtual transaction amount VTA, a step 617, 618 of getting an authorization of the ABCT for the VTA, a step 619-622 of controlling goods sales, a step 623 of requesting an approval after the card transaction AACT for an actual transaction amount ATA, a step 624 of getting an authorization of the AACT for the ATA and a step 625, 626 of resetting to an initial status of the self-service lubricator. The step of requesting the ABCT for the VTA is executed under a condition that personal identification numbers of the card are entered after the card is inserted and the virtual transaction amount is set.

Subsequent to the step 611-616 of requesting the ABCT for the VTA, the step 617, 618 of getting the authorization of the ABCT for the VTA is executed by checking a card validity after inquiring a card information data. If the ABCT for the VTA is not authorized, the card is directly returned after indicating a respective error message. On the contrary, if the ABCT for the VTA is authorized, another step 619-622 of controlling goods sales is executed. The step 619-622 includes a permission of a goods sales, an indication of the permission status and a determination of completing goods sales by checking and indicating the actual transaction amount which is changing as the gas is supplied. Another step 623 of requesting the AACT for ATA is continued to execute, which includes a prohibition of subsequent supply of the gas and an indication of the prohibition status. Subsequently, the step 624 of getting the authorization of the AACT for the ATA is executed. Finally, the step 625, 626 of resetting to an initial stage of the self-service lubricator is executed. The step 625, 626 includes an issuing of a receipt for the actual transaction amount and a returning of the card.

Though not shown in the figure, the step of requesting the ABCT for the VTA can be executed in a condition that the personal identification numbers are not entered for 1 0 the sake of the convenience by avoiding cumbersome key manipulation after the card is inserted.

The described card transaction settlement method in the self-service lubricator further comprises a step of canceling the ABCT for the VTA. The step of canceling the ABCT for the VTA can be executed immediately after the step 617, 618 of getting the authorization of the ABCT for the VTA, or be executed after the step 619-622 of controlling goods sales, or else, be executed after the step 624 of getting the authorization of the AACT for the ATA. As described above, the operation process of the method can be adjusted so as to increase the efficiency of the system.

FIG. 7 is a flowchart for explaining a second embodiment of the card transaction settlement of the present invention. Referring to the figure, the second embodiment of the card transaction settlement comprises a step 711-716 of requesting an approval before the card transaction ABCT for the virtual transaction amount VTA, a step 717, 718 of getting an authorization of the ABCT for a VTA, a step 719 of canceling the ABCT for the VTA, a step 720, 721 of controlling goods sales, a step 722-724 of evaluating an actual transaction amount ATA compared with the VTA, a step 725 of requesting an approval after the card transaction AACT for the ATA, a step 726 of getting an authorization of the AACT for the ATA and a step 727, 728 of resetting to an initial status of the POS system.

The step 711-706 of requesting the ABCT for the VTA is executed under a condition that personal identification numbers of the card are entered after the card is inserted and the virtual transaction amount is set as a customer desires.

Subsequent to the step 711-716 of requesting the ABCT for the VTA, the step 717, 718 of getting the authorization of the ABCT for the VTA is executed by checking the card validity after inquiring the card information data. If the ABCT for the VTA is not authorized, the card is directly returned after indicating a respective error message. On the contrary, if the ABCT for the VTA is authorized, the step 719 of canceling the ABCT for the VTA is executed immediately. And then the step 720, 721 of controlling goods sales is executed. The step 720, 721 includes a permission of goods sales, an indication of the permission status and a determination of completing goods sales by checking and indicating the ATA which is changing as the goods are supplied. Then the step 722-724 of evaluating the ATA compared with the VTA is executed. The step 722- 724 includes a prohibition of subsequent goods sales when the ATA is the same or exceeds to the VTA and an indication of the prohibition status. The step 725 of requesting the AACT for the ATA and the step 726 of getting the authorization of the AACT for the ATA are executed. Finally, the step 727, 728 of resetting to an initial status of the POS system is executed. The step 727, 728 includes the issuing of a receipt for the ATA and the returning of the card. Herein the ABCT for the VTA can also be requested without the receival of the personal identification number in order that the inconvenience of manipulating the keys are to be avoided. Furthermore, the step 719 of canceling the ABCT for the VTA can be executed after the step 720, 721 of controlling goods sales or be executed after the step 726 of getting the authorization of the AACT for the ATA.

As described above, there are many variations in the process of each step in the card transaction settlement method.

Herein, the ABCT for the VTA can also be requested without the receival of the personal identification number in order that the inconvenience of manipulating the keys are to be avoided. The authorization of the ABCT for the VTA obtained in the step 711- 716 of requesting the ABCT for the VTA can be automatically requested so to be canceled out just before requesting the AACT for the ATA while preventing the sales of goods from processing with displaying that status when goods sales are completed in the step of controlling to make goods sales. Furthermore, the acquired ABCT for the VTA can also be requested so to be canceled out when the authorization of the AACT is given in the step 725 of requesting the AACT for the ATA. As described above, there is flexibility in the process of each step in the card transaction settlement method.

FIGs. 8a-8c illustrate routes for requesting and authorizating the ABCT for the VTA between the self-service lubricator and the card issuers according to the present invention, and FIGs. 9a-9c illustrate routes for requesting and authorizating the AACT for the ATA between the self-service lubricator and the card issuers according to the present invention.

FIG. 8a and FIG. 9a show the route in the case when the card authorization center and the card purchase company such as value-added network enterprise, or the computer system of the oil refining company) are intermediate stations of the route, FIG. 8b and FIG. 9b show the route in the case when the card purchase company such as value-added network enterprise, or the computer system of the oil refining company) is intermediate station of the route, and FIG. 8c and FIG. 9c show the route when the self-service lubricator directly communicates with the credit card issuing institution(or bank).

Referring to those figures, the card transaction settlement method in the selfservice lubricator is as follows. First of all, the consumer makes the card read in the card recognizing unit 252-254 arranged on the lubricator. Upon the determination whether the personal identification number and the virtual transaction amount are inputted in the event that the card is inserted or immediately after the card is inserted, the self-service lubricator requests the ABCT for the VTA to the card issuing institution or the bank through the routes via the card authorization center and other communication network as in FIG. 8a, or through the route via a card purchase company as in FIG. 8b, or else by directly communicating as in FIG. 8c. If the card approval is authorized by either the card issuing institution or the bank, the lubricator is controlled to supply the gas, and the information that the lubricator can supply the gas is displayed to inform the consumer. Therefore, the gas can be supplied to the consumer after entry of either the personal identification number or the gas amount/payment amount. However, the gas can also be supplied to the consumer with the operation of reading the card, even without the key inputting.

Therefore, the consumer recognizes that the gas supply is possible with the use of the display so that the consumer starts to feed the vehicle with the gas using the lubricator. Then the system reads the amount changing with supplied gas amounts.

Upon the detection of either the fact that gas supply is completed or the fact that the supplied gas amount is exceeded the virtual gas amount set previously, the self-service lubricator enters into the standby state for awaiting for an authorization of the AACT for the ATA after requesting the AACT for the ATA to the card issuing institution or the bank. The ABCT for the VTA can be canceled out immediately when the requested AACT for the ATA is authorized. Otherwise, for requesting the AACT for the ATA, the already obtained ABCT for the VTA can be automatically canceled out first of all, and then the AACT for the ATA can be requested, or vice versa. Upon the receival of the AACT for the ATA in the standby state, the receipt for the actual transaction amount can be issued with the use of the receipt issuer and the card is returned.

It is apparent that the card transaction settlement method in the self-service POS system according to the present invention can be applied not only to the gas station but also to the tollgate system in the highway, the express bus ticket sales system, as well as other POS system which is capable of settling the card transaction with a small modification. It will be apparent that various changes may be made in the form and steps thereof without departing from the spirit and scope of the invention or sacrificing all of its advantages.

With the present invention, there are many advantages that a customer can purchase goods simply and quickly in self-service POS system with the ABCT for the VTA using credit card or debit card, that merchants need not ask a signature of a customer by automatically controlling any refunding problem caused from difference between the virtual transaction amount and the real transaction amount because he or she can obtain the AACT for the ATA even if the customer cannot estimate the actual transaction amount, that there is no change problem since the system operates with high precision, and that financial risk by any fraudulent card can be prevented since the ABCT for the VTA is requested before the transaction is taken place.

Claims

1. A card transaction settlement method for performing a transaction in point-of-sale POS systems, the method including the steps of; requesting an Approval Before the Card Transaction (ABCT), for a Virtual Transaction Amount (VTA), after the card is inserted and the virtual transaction amount is set; getting an authorisation of the ABCT for the VTA with checking a card validity after inquiring card information data; controlling goods sales after getting the authorisation of the ABCT for the VTA, the controlling step including a permission of goods sales, an indication of the permission status, and a determination of completing goods sales; requesting an Approval After the Card Transaction (AACT) for an Actual Transaction Amount (ATA) after completing the controlling step, the requesting step including a prohibition of subsequent goods sales and an indication of the prohibition status; getting an authorisation of the AACT for the ATA; and resetting to an initial stage of the POS systems after getting the authorisation of the AACT, the resetting step including a generation of a receipt for the ATA and the card return.

2. The card transaction settlement method in POS systems of claim 1, wherein the step of requesting the ABCT for the VTA is executed under a condition that personal identification numbers of the card are entered after the card is inserted.

3. The card transaction settlement method in POS systems of claim 1, further including the step of cancelling the ABCT for the VTA, which is executed immediately after the step of getting the authorisation of the ABCT for the VTA.

4. The card transaction settlement method in POS systems of claim 1, further including the step of cancelling the ABCT for the VTA, which is executed immediately after the step of controlling goods sales.

The card transaction settlement method in POS systems of claim 1, further including the step of cancelling the ABCT for VTA, which is executed after the step of getting the authorisation of the AACT for the ATA.

6. The card transaction settlement method in POS systems of claim 1, further including the step of evaluating the ATA which is compared with the VTA after the step of controlling goods sales, the evaluating step including a prohibition of subsequent goods sales when the ATA is the same or exceeds to the VTA and an indication of the prohibition status.

7. The card transaction settlement method in POS systems of claim 2, further including the step of cancelling the ABCT for the VTA, which is executed immediately after the step of getting the authorisation of the ABCT for the VTA.

8. The card transaction settlement method in POS systems of claim 2, further including the step of cancelling the ABCT for the VTA, which is executed, immediately after the step of controlling goods sales.

9. The card transaction settlement method in POS systems of claim 2, further including the step of cancelling the ABCT for VTA, which is executed after the step of getting the authorisation of the AACT for the ATA. The card transaction settlement method in POS systems of claim 2, further including the step of evaluating the ATA which is compared with the VTA after the step of controlling goods sales, the evaluating step including a prohibition of subsequent goods sales when the ATA is the same or exceeds to the VTA and an indication of the prohibition status. DATED this 7th day of July 1999 JONG IN LEE AND KANG YOUNG KIM WATERMARK PATENT TRADE MARK ATTORNEYS 4TH FLOOR DURACK CENTRE 263 ADELAIDE TERRACE PERTH WA 6000 %b A, i, i hi?