CN101276501A - System and corresponding method for small change capable of replacing coin completely - Google Patents
System and corresponding method for small change capable of replacing coin completely Download PDFInfo
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- CN101276501A CN101276501A CNA200710073634XA CN200710073634A CN101276501A CN 101276501 A CN101276501 A CN 101276501A CN A200710073634X A CNA200710073634X A CN A200710073634XA CN 200710073634 A CN200710073634 A CN 200710073634A CN 101276501 A CN101276501 A CN 101276501A
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Abstract
Provided is a system and method for processing change giving. A change giving terminal machine (3) reads the card number of a change card (1) of a buyer via a change card read/write device (2), and gives the change amount to a change account of the buyer in a change giving settlement center (6) through a mobile telephone network (4) and an internet (5), when the balance in the change account exceeds a predetermined amount, the buyer can transfers the balance in the change account to a bank account of the buyer by the change terminal machine (3). The inventive system and method have advantages that, a store does not need coins for change giving, the change amount is saved in the change account of the buyer, the buyer also does not need to receive the change, thereby the store can save the cost for treating change coins. For the buyer, all the changes are saved in the change amount, waste phenomenon of coins can be avoided.
Description
[technical field]
The present invention relates to the field that computing machine and mechanics of communication combine, particularly described technology is used to handle change and looks for continuous system and method.
[technical background]
The processing of coin change is the problem that people's daily life often runs into, when purchase and consumption is paid the bill, often include coin change in continuous looking for, because the coin amount of money is little, be inconvenient to carry, some people does not use for a long time looking for the coin that continues to be placed on family, and government spends to put the new coin into circulation again like this.Enough coins also often will be prepared in the shop on the other hand, just can deal with to look for continuously, if coin change is not enough dealt with and looked for continuously, client may Cancel Transaction, and go shopping to other shop, and the shop is looked at this and paid many costs aspect continuous change.In addition, coin navigates dirty very much, and a lot of bacterial viruses are arranged, the disease that can spread disease is as SARS, influenza, skin disease etc., if a human coin shopping payment in spite of illness, this coin can toss about in bed through a plurality of different people on hand the bacterial virus spread out to be gone in one day.How dealing carefully with coin change and look for continuously, is a problem extremely to be solved.
[summary of the invention]
Purpose of the present invention is to provide a kind of change of handling to look for continuous system and method, looks for continuous application to be implemented in payment.
The object of the present invention is achieved like this, adopt a kind of like this change of handling to look for continuous system, it is characterized in that described system includes change card (1), change card read-write equipment (2), change and looks for continuous terminating machine (3), mobile telephone network (4), internet (5), change to look for continuous settlement center (6), bank computer center (7).
Wherein,
Described change card (1) can be smart card or IC-card or non-contact type smart card or magnetic card or have the credit card of tape or have the debit card of tape or have the ATM card of tape or have bank card of tape etc.
Described change card read-write equipment (2) can be intelligent card read/write device or non-contact type intelligent card read/write device or magnetic card read write line.
Described change looks for the primary structure of continuous terminating machine (3) to include controller (301), keyboard (302), display screen (303), memory body (304), two mobile phones (305), wherein, controller (301) and keyboard (302), display screen (303), memory body (304), mobile phone (305) waits each parts to be connected, and by the preset program running, realization predetermined process change is looked for continuous function, and, mobile phone (305) is mainly used in change and looks for continuous terminating machine (3) and change to look for the communication of continuous settlement center (6), mobile phone is inserted with special SIM card in (305), the mobile phone that is inserted with this special SIM card can only be looked for the line communication of continuous settlement center (6) with change by mobile telephone network (4) and internet (5) online, can not make other purposes.
It is a computer server that described change is looked for continuous settlement center (6), in be provided with predetermined formula and relevant interface circuit, and by internet (5) and mobile telephone network (4) and each change look for continuous terminating machine (3) mutually telecommunication be connected, and with bank computer center (7) mutually telecommunication connect, change looks for continuous settlement center (6) to preserve the particulars of looking for continuous account (602) etc. in each client's change account (601) and each shop, main being responsible for looked for the continuous change amount of money to client with the shop, in transfer accounts this client's change account (601) from the continuous account of looking for of this shop (602), and, when clearing, look for the bank account of continuous settlement center (6) according to the surplus of the continuous account of looking for of shop (602) from the bank account in this shop change of transferring accounts, and, look for transfer accounts this client's bank account (701) of the bank account of continuous settlement center (6) according to the surplus of client's change account (601) from change.
Described bank account (701) is client's bank account or accounts such as credit card or debit card account or the card account of withdrawing the money.
And, adopt a kind of like this change of handling to look for continuous method, adopt foregoing processing change to look for continuous system, described method utilizes change to look for continuous terminating machine (3) to read the card number and the balance of change card (1) by change card read-write equipment (2), to look for the continuous change amount of money to add that the balance of described change card (1) draws up-to-date balance, by change card read-write equipment (2) up-to-date balance and data such as looking for the continuous change amount of money are write in the change card (1) then, and, change looks for continuous terminating machine (3) to store the record that each looks for continuous change, looks for the record of continuous change to be sent to change stored each when clearing and looks for continuous settlement center (6) to settle accounts.
So just realized purpose of the present invention.
It is that coin need not be prepared in the shop that processing change of the present invention is looked for the advantage of continuous system and method, and all look for the amount of money of continuous change is to deposit in client's the change account, and client also need not collect coin change, and the cost of handling coin change can be saved in the shop.Aspect client, owing to all look for continuous change all to deposit in the change account, client need not check and accept coin change, and is few and be inconvenient to carry the no waste situation of putting at home because of the coin amount of money with regard to not taking place.
[description of drawings]
Fig. 1 is that processing change of the present invention looks for continuous system when customer consumption is paid the bill, and the cashier will look for the continuous change amount of money to be stored into the step key diagram of client's change account (601);
Fig. 2 is that processing change of the present invention looks for continuous system to look for continuous terminating machine (3) with transfer accounts client's the step key diagram of bank account (701) of the surplus in client's the change account (601) by change client;
Fig. 3 is that processing change of the present invention looks for continuous system when customer consumption is paid the bill, and adopts online immediate updating method will look for the continuous change amount of money to be stored into the step key diagram of client's change account (601);
Among the figure, the system that identical digitized representation is identical, device, parts device, method step marks with the numeral of circle or square frame and the straight line of band arrow.Accompanying drawing is schematically, in order to the formation that system of the present invention is described and the key step of method.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is that processing change of the present invention looks for continuous system when customer consumption is paid the bill, the cashier will look for the continuous change amount of money to be stored into the step key diagram of client's change account (601), and processing change of the present invention shown in the figure is looked for continuous system to include change card (1), change card read-write equipment (2), change looking for continuous terminating machine (3), mobile telephone network (4), internet (5), change to look for continuous settlement center (6), bank computer center (7).
Wherein, change card of the present invention (1) can be a smart card, or IC-card, or non-contact type smart card, or magnetic card, in order to save cost, the existing card of client can be used as change card (1), for example with client's credit card, or debit card, or ATM card, or bank card miscellaneous uses as change card (1), as long as change card read-write equipment (2) can read the card number data of this card, client just can look for continuous settlement center (6) with this card number registration at change in advance, this card number and client's change account (601) is bundled, later on when looking for continuous change, just can read the card number of this card by change card read-write equipment (2), find out corresponding change account (601) then, will look for the continuous change amount of money to deposit in this change account (601).
Described change card read-write equipment (2) can be intelligent card read/write device or non-contact type intelligent card read/write device or magnetic card read write line.
And, described change looks for the primary structure of continuous terminating machine (3) to include controller (301), keyboard (302), display screen (303), memory body (304), two mobile phones (305), wherein, controller (301) and keyboard (302), display screen (303), memory body (304), mobile phone (305) waits each parts to be connected, and by the preset program running, realization predetermined process change is looked for continuous function, and, mobile phone (305) is mainly used in change and looks for continuous terminating machine (3) and change to look for the communication of continuous settlement center (6), mobile phone is inserted with special SIM card in (305), the mobile phone that is inserted with this special SIM card can only be looked for the line communication of continuous settlement center (6) with change by mobile telephone network (4) and internet (5) online, can not make other purposes.In addition; when the shop adopts change of the present invention to look for continuous terminating machine (3); generally can cooperate cashier's machine together to use; in order to save cost; can adopt general cashier's machine to add two mobile phones (305) and corresponding program; the function of looking for continuous terminating machine (3) to be provided in change is incorporated on the cashier's machine, and adopting cashier's machine to look for continuous terminating machine (3) as change of the present invention all is protection scope of the present invention, all can finely all realize purpose of the present invention.
Aspect being provided with, the shop will be in advance look for continuous settlement center (6) to offer the bank account number looking for continuous account (602) and register the shop at change, and in the shop one to multiple change is set and looks for continuous terminating machine (3) and change card read-write equipment (2); Aspect client, client can look for continuous settlement center (a 6) application change card (1) at change, and offer a change account (601) and the registration client the bank account number, the user just can be when the consumption payment later on, change card (1) is put into change card read-write equipment (2) goes up Card Reader, require the cashier will look for continuous change to deposit in this pairing change account of change card (1) (601).
It is a computer server that change is looked for continuous settlement center (6), in be provided with predetermined formula and relevant interface circuit, and by internet (5) and mobile telephone network (4) and each change look for continuous terminating machine (3) mutually telecommunication be connected, and with bank computer center (7) mutually telecommunication connect, change looks for continuous settlement center (6) to preserve the particulars of looking for continuous account (602) etc. in each client's change account (601) and each shop, main being responsible for looked for the continuous change amount of money to client with the shop, in transfer accounts this client's change account (601) from the continuous account of looking for of this shop (602), and, when clearing, look for the bank account of continuous settlement center (6) according to the surplus of the continuous account of looking for of shop (602) from the bank account in this shop change of transferring accounts, and, look for transfer accounts this client's bank account (701) of the bank account of continuous settlement center (6) according to the surplus of client's change account (601) from change.
In this manual, described bank account (701) is client's bank account or accounts such as credit card or debit card account or the card account of withdrawing the money.
When change of the present invention looks for continuous terminating machine (3) and described change to look for the communication of continuous settlement center (6), adopt two mobile phones (305) to transmit or receive document method simultaneously, when change looks for the received data that is transmitted simultaneously by two mobile phones (305) of continuous settlement center (6) identical, the data that expression is transmitted is correct, and, when two mobile phones (305) receive the data of looking for continuous settlement center (6) to be transmitted by change when identical simultaneously, represent that received data is correct, and, looking for the received data that is transmitted simultaneously by two mobile phones (305) of continuous settlement center (6) when change occurs when inequality, mistake appears in the data that expression is transmitted, and, when receiving the data of looking for continuous settlement center (6) to be transmitted by change simultaneously, two mobile phones (305) occur representing that mistake appears in received data when inequality.Adopt two mobile phones (305) to transmit simultaneously or the reception data; can strengthen the reliability of the data that transmits; further; change can be looked for a wherein mobile phone (305) of continuous terminating machine (3) to omit; only use a mobile phone (305) transmission data; all can realize purpose of the present invention well, only adopt the change of a mobile phone (305) to look for continuous terminating machine (3), all be to belong to protection scope of the present invention.In addition, also can adopt the data that will transmit to be divided into two and be divided into two partly, the data that will transmit transmits by two mobile phones (305) respectively, the take over party data of receiving is united two into one then and restores original data, can further strengthen the security of the data that transmits like this.
Further, change can be looked for continuous terminating machine (3) and change to look for the data that is transmitted between the continuous settlement center (6), before the transmission data, after encrypting data in advance, a side just sends to the take over party by sending, and, after the reception data, will restore original data as close data deciphering, can strengthen the security of system and method for the present invention so greatly by receiving a side.
The present invention utilizes change to look for continuous terminating machine (3) to read the card number and the balance of change card (1) by change card read-write equipment (2), to look for the continuous change amount of money to add that described balance draws up-to-date balance, by change card read-write equipment (2) up-to-date balance and data such as looking for the continuous change amount of money are write in the change card (1) then, and, change looks for continuous terminating machine (3) to store the record that each looks for continuous change, looks for the record of continuous change to be sent to change stored each when clearing and looks for continuous settlement center (6) to settle accounts.
Continue to consult Fig. 1, the following A that comprises shown in Fig. 1 organizes step, and when being the customer consumption payment, the cashier will look for the continuous change amount of money to be stored into the step of client's change account (601), and concrete steps are as follows:
A1. when customer consumption is paid the bill, the cashier will look for the continuous change amount of money to be input to change and look for continuous terminating machine (3), client is put into change card read-write equipment (2) with the change card (1) of oneself then, change card read-write equipment (2) reads the card number and the Ka Nei balance of change card (1), then the card number that read and balance is sent to change and looks for continuous terminating machine (3);
A2. change looks for continuous terminating machine (3) will look for the continuous change amount of money to be added in the balance of change card (1), to look for continuous change data to write in the change card (1) by change card read-write equipment (2) then, and will look for continuous change data storage to arrive in the interior memory body (304) of machine, described looking for continues the card number that the change data comprises change card (1), look for the continuous change amount of money, up-to-date balance, time, date, change is looked for continuous terminating machine (3) numbering, data such as reference sequence numbering, described reference sequence numbering is a numbering that order increases progressively, and change will increase by 1 with the reference sequence numbering after looking for one of the every processing of continuous terminating machine (3) to look for continuous change data automatically;
A3. change looks for continuous terminating machine (3) will look for continuous change data by mobile phone (305), mobile telephone network (4) and internet (5) are sent to change and look for continuous settlement center (6), look for continuous settlement center (6) with all continuous change data storage of looking for by change, voucher as clearing, and, when settling accounts, change looks for continuous settlement center (6) to look for the continuous change amount of money of looking for of continuous change data to transfer accounts in client's the change account (601) of correspondence from the continuous account (602) of looking in the shop of correspondence according to each, and calculate the settlement amounts of the continuous account of looking for of each shop (602) according to the surplus of the continuous account of looking for of each shop (602), look for the bank account of continuous settlement center (6) then to change from the money of the bank account transfer and settlement of accounts amount of money in shop.
In the embodiment in figure 1, change looks for continuous terminating machine (3) each pen can be looked for continuous change data be temporary in the machine, to when clearing just will be stored all look for continuous change data transmission to look for continuing settlement center (6) and settle accounts to change, for example can the regulation shop every day close change to be looked in front of the door and storedly in the continuous terminating machine (3) all look for continuous change data transmission to look for continuous settlement center (6) to settle accounts to change, or divide every day and will look for continuous change data transmission to look for for several times continuing settlement center (6) and settle accounts to change.
Consult Fig. 2, Fig. 2 is that processing change of the present invention looks for continuous system to look for continuous terminating machine (3) with transfer accounts client's the step key diagram of bank account (701) of the surplus in client's the change account (601) by change client, the following B that comprises shown in Fig. 2 organizes step, be that client's change account (601) surplus is when being accumulated to above designated amounts, client looks for continuous terminating machine (3) with transfer accounts client's the step of bank account (701) of the surplus in client's the change account (601) by change, and concrete steps are as follows:
B1. tell the cashier bank account (701) of the surplus in the change account (601) will being transferred accounts as client, the cashier looks for continuous terminating machine (3) input installment operational order at change, client is put into change card read-write equipment (2) with the change card (1) of oneself then, change card read-write equipment (2) reads the card number and the Ka Nei balance of change card (1), then the card number that read and balance is sent to change and looks for continuous terminating machine (3);
B2. change looks for continuous terminating machine (3) that the installment data is passed through mobile phone (305), mobile telephone network (4) and internet (5) are sent to change and look for continuous settlement center (6), described installment data comprises the card number of change card (1), change card (1) balance, time, date, change is looked for continuous terminating machine (3) numbering, data such as reference sequence numbering, described reference sequence numbering is a numbering that order increases progressively, and change will increase by 1 with the reference sequence numbering after looking for one of the every processing of continuous terminating machine (3) to look for continuous change data or change account (601) installment operation automatically;
B3. change looks for continuous settlement center (6) to find out the card number of change card (1) from received installment data, change card (1) balance, time, date, change is looked for continuous terminating machine (3) numbering, data such as reference sequence numbering, calculate change clearing total charge from the surplus of the change account (601) of the card number of this change card (1), find out corresponding client's bank account (701) number from the card number of this change card (1), then change is settled accounts total charge, client's bank account (701) number, change looks for the data transmissions such as bank account number of continuous settlement center (6) to transfer accounts to bank computer center (7) request;
B4. after bank computer center (7) are checked change and are looked for the bank account balance of continuous settlement center (6) and client's data such as bank account (701) number errorless, look for the bank account of continuous settlement center (6) to transfer accounts the money of change clearing total charge from change, and look for to change and to continue settlement center (6) and send the successful information of transferring accounts to client's bank account (701);
B5. after change looks for continuous settlement center (6) to receive the successful information of transferring accounts at bank computer center (7), the installment successful information is sent to change by internet (5) and mobile telephone network (4) looks for continuous terminating machine (3), described installment successful information comprises data such as card number, the change clearing total charge, reference sequence numbering of change card (1);
B6. change looks for continuous terminating machine (3) to check the installment data content of installment successful information content in the step B2, the change that after the confirmation change card (1) balance in the installment data is deducted in the installment successful information is settled accounts total charge, thereby calculate up-to-date balance, by change card read-write equipment (2) up-to-date balance data is write in the change card (1) then, and installment data and installment successful information are stored in the memory body (304) in the machine.
In the embodiment of Fig. 1 and Fig. 2, looking for continuous change data is to be temporary in change to look in the continuous terminating machine (3), just will look for continuous change data transmission to look for continuous settlement center (6) to settle accounts during to clearing to change, when client looks for continuous terminating machine (3) that the surplus in client's the change account (601) is transferred accounts client's bank account (701) by change, change looks for the meeting of continuous settlement center (6) to settle accounts total charge according to balance and the change of the looking for continuous change data to calculate in the change account (601) that have received, partly the looking for the continuous change amount of money of change card (1) of having been looked for continuous terminating machine (3) to write entering client by the change in other shops and be not sent to change as yet and look for the continuous change data of looking for of continuous settlement center (6) will be waited until when settling accounts next time and just can be calculated.
Consult Fig. 3, Fig. 3 is that processing change of the present invention looks for continuous system when customer consumption is paid the bill, adopt online immediate updating method will look for the continuous change amount of money to be stored into the step key diagram of client's change account (601), the following C that comprises shown in Fig. 3 organizes step, when being the customer consumption payment, the cashier will look for the continuous change amount of money to be stored into the step of client's change account (601), be the method that adopts online immediate updating client's change account (601), and concrete steps are as follows:
C1. when customer consumption is paid the bill, the cashier will look for the continuous change amount of money to be input to change and look for continuous terminating machine (3), client is put into change card read-write equipment (2) with the change card (1) of oneself then, change card read-write equipment (2) reads the card number of change card (1), then the card number that is read is sent to change and looks for continuous terminating machine (3);
C2. change is looked for continuous terminating machine (3) will look for continuous change data to be sent to change by mobile phone (305), mobile telephone network (4) and internet (5) looking for and continue settlement center (6), describedly look for card number that continuous change data comprises change card (1), look for the continuous change amount of money, time, date, change to look for data such as continuous terminating machine (3) numbering, reference sequence numbering, described reference sequence numbering is a numbering that order increases progressively, and change will increase by 1 with the reference sequence numbering after looking for one of the every processing of continuous terminating machine (3) to look for continuous change data automatically;
C3. change looks for continuous settlement center (6) from the received card number of finding out change card (1) the continuous change data of looking for, look for the continuous change amount of money, time, date, change is looked for continuous terminating machine (3) numbering, data such as reference sequence numbering, find out client's change account (601) number from the card number of change card (1), look for continuous terminating machine (3) numbering to find out the continuous account of looking for of shop (602) number from change, after checking the continuous account of looking for of shop (602) surplus and looking for continuous change data errorless then, transfer accounts from the continuous account of looking for of shop (602) and to look for the change account (601) of the money of the continuous change amount of money to client, and will look for continuous change to handle successful information sending change to by internet (5) and mobile telephone network (4) and look for continuous terminating machine (3), described looking for continues change processing success packet and draws together this client's change card (1) card number, the up-to-date surplus of change account (601), look for the continuous change amount of money, change is looked for continuous terminating machine (3) numbering, data such as reference sequence numbering; After change looks for continuous terminating machine (3) to receive looking for continuous change to handle successful information, the up-to-date surplus of change account (601) of looking for the continuous change amount of money and client's change card (1) is shown to client sees;
C4. when the surplus of client's change account (601) surpasses designated amounts, change looks for continuous settlement center (6) to reduce designated amounts from the surplus of this change account (601), and change is looked for the bank account number of continuous settlement center (6), designated amounts, data transmissions such as this client's the pairing bank account of change account (601) (701) number are transferred accounts to bank computer center (7) request, bank computer center (7) request of receiving is transferred accounts after the information and to be looked for the bank account of continuous settlement center (6) to transfer accounts the money of designated amounts to client's the pairing bank account of change account (601) (701) from change, described designated amounts can be looked for the predefined amount of money of continuous settlement center (6) by client or change, for example designated amounts is set at 100 yuan or other the amount of money, and, when the surplus of the continuous account of looking for of shop (602) is not enough, change looks for continuous settlement center (6) to look for the surplus of continuous account (602) to increase predetermined dollar value from this, and with the pairing bank account number of change account (601) in this shop, predetermined dollar value, change looks for the data transmissions such as bank account number of continuous settlement center (6) to transfer accounts to bank computer center (7) request, bank computer center (7) request of receiving is transferred accounts after the information and to be looked for the bank account of continuous settlement center (6) to change from the transfer accounts money of predetermined dollar value of the bank account in this shop, described predetermined dollar value can be looked for the predefined amount of money of continuous settlement center (6) by client or change, for example predetermined dollar value is set at 1000 yuan or other the amount of money.
The embodiment of Fig. 3 compares with the embodiment of Fig. 1 and Fig. 2, the embodiment of Fig. 3 adopts online transmission to look for the method for continuous change data, all look for continuous change data to look for continuous terminating machine (3) to be sent to change by change immediately looking for continuous settlement center (6), looking for continuous settlement center (6) will look for the up-to-date surplus of the continuous change amount of money and change account (601) to pass change back by change again looks for continuous terminating machine (3) to be shown to client checking, need not look for continuous change data to write in the change card (1) like this.The embodiment of Fig. 3 is particularly suitable for adopting the application of cards such as the existing credit card of client or debit card or ATM card as change card (1).
Processing change of the present invention is looked for the enforcement of continuous system and method, can effectively solve coin change and look for the continuous problem of bringing, and creates good economic and social benefit.
Claims (12)
1. handle change and look for continuous system for one kind, it is characterized in that described system includes change card (1), change card read-write equipment (2), change and looks for continuous terminating machine (3), mobile telephone network (4), internet (5), change to look for continuous settlement center (6), bank computer center (7).
2. processing change as claimed in claim 1 is looked for continuous system, it is characterized in that described change card (1) can be smart card or IC-card or non-contact type smart card or magnetic card or have the credit card of tape or have the debit card of tape or have the ATM card of tape or have bank card of tape etc.
3. processing change as claimed in claim 1 is looked for continuous system, it is characterized in that, described change card read-write equipment (2) can be intelligent card read/write device or non-contact type intelligent card read/write device or magnetic card read write line.
4. processing change as claimed in claim 1 is looked for continuous system, it is characterized in that, described change looks for the primary structure of continuous terminating machine (3) to include controller (301), keyboard (302), display screen (303), memory body (304), two mobile phones (305), wherein, controller (301) and keyboard (302), display screen (303), memory body (304), mobile phone (305) waits each parts to be connected, and by the preset program running, realization predetermined process change is looked for continuous function, and, mobile phone (305) is mainly used in change and looks for continuous terminating machine (3) and change to look for the communication of continuous settlement center (6), mobile phone is inserted with special SIM card in (305), the mobile phone that is inserted with this special SIM card can only be looked for the line communication of continuous settlement center (6) with change by mobile telephone network (4) and internet (5) online, can not make other purposes.
5. processing change as claimed in claim 1 is looked for continuous system, it is characterized in that, it is a computer server that described change is looked for continuous settlement center (6), in be provided with predetermined formula and relevant interface circuit, and by internet (5) and mobile telephone network (4) and each change look for continuous terminating machine (3) mutually telecommunication be connected, and with bank computer center (7) mutually telecommunication connect, change looks for continuous settlement center (6) to preserve the particulars of looking for continuous account (602) etc. in each client's change account (601) and each shop, main being responsible for looked for the continuous change amount of money to client with the shop, in transfer accounts this client's change account (601) from the continuous account of looking for of this shop (602), and, when clearing, look for the bank account of continuous settlement center (6) according to the surplus of the continuous account of looking for of shop (602) from the bank account in this shop change of transferring accounts, and, look for transfer accounts this client's bank account (701) of the bank account of continuous settlement center (6) according to the surplus of client's change account (601) from change.
6. processing change as claimed in claim 5 is looked for continuous system, it is characterized in that, described bank account (701) is client's bank account or accounts such as credit card or debit card account or the card account of withdrawing the money.
7. processing change as claimed in claim 1 is looked for continuous system, it is characterized in that, when described change looks for continuous terminating machine (3) and described change to look for the communication of continuous settlement center (6), adopt two mobile phones (305) to transmit or receive document method simultaneously, when change looks for the received data that is transmitted simultaneously by two mobile phones (305) of continuous settlement center (6) identical, the data that expression is transmitted is correct, and, when two mobile phones (305) receive the data of looking for continuous settlement center (6) to be transmitted by change when identical simultaneously, represent that received data is correct, and, looking for the received data that is transmitted simultaneously by two mobile phones (305) of continuous settlement center (6) when change occurs when inequality, mistake appears in the data that expression is transmitted, and, when receiving the data of looking for continuous settlement center (6) to be transmitted by change simultaneously, two mobile phones (305) occur representing that mistake appears in received data when inequality.
8. handle change and look for continuous method for one kind, adopt system as claim 1 to 7, it is characterized in that, described method utilizes change to look for continuous terminating machine (3) to read the card number and the balance of change card (1) by change card read-write equipment (2), to look for the continuous change amount of money to add that the balance of described change card (1) draws up-to-date balance, by change card read-write equipment (2) up-to-date balance and data such as looking for the continuous change amount of money are write in the change card (1) then, and, change looks for continuous terminating machine (3) to store the record that each looks for continuous change, looks for the record of continuous change to be sent to change stored each when clearing and looks for continuous settlement center (6) to settle accounts.
9. processing change as claimed in claim 8 is looked for continuous method, it is characterized in that described method also comprises following A group step, when being the customer consumption payment, the cashier will look for the continuous change amount of money to be stored into the step of client's change account (601), and concrete steps are as follows:
A1. when customer consumption is paid the bill, the cashier will look for the continuous change amount of money to be input to change and look for continuous terminating machine (3), client is put into change card read-write equipment (2) with the change card (1) of oneself then, change card read-write equipment (2) reads the card number and the Ka Nei balance of change card (1), then the card number that read and balance is sent to change and looks for continuous terminating machine (3);
A2. change looks for continuous terminating machine (3) will look for the continuous change amount of money to be added in the balance of change card (1), to look for continuous change data to write in the change card (1) by change card read-write equipment (2) then, and will look for continuous change data storage to arrive in the interior memory body (304) of machine, describedly look for card number that continuous change data comprises change card (1), look for the continuous change amount of money, up-to-date balance, time, date, change to look for data such as continuous terminating machine (3) numbering, reference sequence numbering, described reference sequence numbering is a numbering that order increases progressively, and change is looked for continuous terminating machine
(3) one of every processing will increase by 1 with the reference sequence numbering after looking for continuous change data automatically;
A3. change looks for continuous terminating machine (3) will look for continuous change data by mobile phone (305), mobile telephone network (4) and internet (5) are sent to change and look for continuous settlement center (6), look for continuous settlement center (6) with all continuous change data storage of looking for by change, voucher as clearing, and, when settling accounts, change looks for continuous settlement center (6) to look for the continuous change amount of money of looking for of continuous change data to transfer accounts in client's the change account (601) of correspondence from the continuous account (602) of looking in the shop of correspondence according to each, and calculate the settlement amounts of the continuous account of looking for of each shop (602) according to the surplus of the continuous account of looking for of each shop (602), look for the bank account of continuous settlement center (6) then to change from the money of the bank account transfer and settlement of accounts amount of money in shop.
10. processing change as claimed in claim 8 is looked for continuous method, it is characterized in that, described method also comprises following B group step, be that client's change account (601) surplus is when being accumulated to above designated amounts, client looks for continuous terminating machine (3) with transfer accounts client's the step of bank account (701) of the surplus in client's the change account (601) by change, and concrete steps are as follows:
B1. tell the cashier bank account (701) of the surplus in the change account (601) will being transferred accounts as client, the cashier looks for continuous terminating machine (3) input installment operational order at change, client is put into change card read-write equipment (2) with the change card (1) of oneself then, change card read-write equipment (2) reads the card number and the Ka Nei balance of change card (1), then the card number that read and balance is sent to change and looks for continuous terminating machine (3);
B2. change is looked for continuous terminating machine (3) that the installment data is sent to change by mobile phone (305), mobile telephone network (4) and internet (5) and is looked for continuous settlement center (6), and described installment data comprises the change card
(1) card number, change card (1) balance, time, date, change are looked for data such as continuous terminating machine (3) numbering, reference sequence numbering, described reference sequence numbering is a numbering that order increases progressively, and change will increase by 1 with the reference sequence numbering after looking for one of the every processing of continuous terminating machine (3) to look for continuous change data or change account (601) installment operation automatically;
B3. change looks for continuous settlement center (6) to find out the card number of change card (1) from received installment data, change card (1) balance, time, date, change is looked for continuous terminating machine (3) numbering, data such as reference sequence numbering, calculate change clearing total charge from the surplus of the change account (601) of the card number of this change card (1), find out corresponding client's bank account (701) number from the card number of this change card (1), then change is settled accounts total charge, client's bank account (701) number, change looks for the data transmissions such as bank account number of continuous settlement center (6) to transfer accounts to bank computer center (7) request;
B4. after bank computer center (7) are checked change and are looked for the bank account balance of continuous settlement center (6) and client's data such as bank account (701) number errorless, look for the bank account of continuous settlement center (6) to transfer accounts the money of change clearing total charge from change, and look for to change and to continue settlement center (6) and send the successful information of transferring accounts to client's bank account (701);
B5. after change looks for continuous settlement center (6) to receive the successful information of transferring accounts at bank computer center (7), the installment successful information is sent to change by internet (5) and mobile telephone network (4) looks for continuous terminating machine (3), described installment successful information comprises data such as card number, the change clearing total charge, reference sequence numbering of change card (1);
B6. change looks for continuous terminating machine (3) to check the installment data content of installment successful information content in the step B2, the change that after the confirmation change card (1) balance in the installment data is deducted in the installment successful information is settled accounts total charge, thereby calculate up-to-date balance, by change card read-write equipment (2) up-to-date balance data is write in the change card (1) then, and installment data and installment successful information are stored in the memory body (304) in the machine.
11. processing change as claimed in claim 8 is looked for continuous method, it is characterized in that, described method also comprises following C group step, when being the customer consumption payment, the cashier will look for the continuous change amount of money to be stored into the step of client's change account (601), be the method that adopts online immediate updating client's change account (601), concrete steps are as follows:
C1. when customer consumption is paid the bill, the cashier will look for the continuous change amount of money to be input to change and look for continuous terminating machine (3), client is put into change card read-write equipment (2) with the change card (1) of oneself then, change card read-write equipment (2) reads the card number of change card (1), then the card number that is read is sent to change and looks for continuous terminating machine (3);
C2. change is looked for continuous terminating machine (3) will look for continuous change data to be sent to change by mobile phone (305), mobile telephone network (4) and internet (5) looking for and continue settlement center (6), describedly look for card number that continuous change data comprises change card (1), look for the continuous change amount of money, time, date, change to look for data such as continuous terminating machine (3) numbering, reference sequence numbering, described reference sequence numbering is a numbering that order increases progressively, and change will increase by 1 with the reference sequence numbering after looking for one of the every processing of continuous terminating machine (3) to look for continuous change data automatically;
C3. change looks for continuous settlement center (6) from the received card number of finding out change card (1) the continuous change data of looking for, look for the continuous change amount of money, time, date, change is looked for continuous terminating machine (3) numbering, data such as reference sequence numbering, find out client's change account (601) number from the card number of change card (1), look for continuous terminating machine (3) numbering to find out the continuous account of looking for of shop (602) number from change, after checking the continuous account of looking for of shop (602) surplus and looking for continuous change data errorless then, transfer accounts from the continuous account of looking for of shop (602) and to look for the change account (601) of the money of the continuous change amount of money to client, and will look for continuous change to handle successful information sending change to by internet (5) and mobile telephone network (4) and look for continuous terminating machine (3), described looking for continues change processing success packet and draws together this client's change card (1) card number, the up-to-date surplus of change account (601), look for the continuous change amount of money, change is looked for continuous terminating machine (3) numbering, data such as reference sequence numbering; After change looks for continuous terminating machine (3) to receive looking for continuous change to handle successful information, the up-to-date surplus of change account (601) of looking for the continuous change amount of money and client's change card (1) is shown to client sees;
C4. when the surplus of client's change account (601) surpasses designated amounts, change looks for continuous settlement center (6) to reduce designated amounts from the surplus of this change account (601), and change is looked for the bank account number of continuous settlement center (6), designated amounts, data transmissions such as this client's the pairing bank account of change account (601) (701) number are transferred accounts to bank computer center (7) request, bank computer center (7) request of receiving is transferred accounts after the information and to be looked for the bank account of continuous settlement center (6) to transfer accounts the money of designated amounts to client's the pairing bank account of change account (601) (701) from change, described designated amounts can be looked for the predefined amount of money of continuous settlement center (6) by client or change, for example designated amounts is set at 100 yuan or other the amount of money, and, when the surplus of the continuous account of looking for of shop (602) is not enough, change looks for continuous settlement center (6) to look for the surplus of continuous account (602) to increase predetermined dollar value from this, and with the pairing bank account number of change account (601) in this shop, predetermined dollar value, change looks for the data transmissions such as bank account number of continuous settlement center (6) to transfer accounts to bank computer center (7) request, bank computer center (7) request of receiving is transferred accounts after the information and to be looked for the bank account of continuous settlement center (6) to change from the transfer accounts money of predetermined dollar value of the bank account in this shop, described predetermined dollar value can be looked for the predefined amount of money of continuous settlement center (6) by client or change, for example predetermined dollar value is set at 1000 yuan or other the amount of money.
12. look for continuous method as the described processing change of claim 9 to 11, it is characterized in that, described change looks for continuous terminating machine (3) and change to look for the data that is transmitted between the continuous settlement center (6), before the transmission data, after encrypting data in advance, a side just sends to the take over party by sending, and, after the reception data, will restore original data as close data deciphering by receiving a side.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200710073634XA CN101276501A (en) | 2007-03-26 | 2007-03-26 | System and corresponding method for small change capable of replacing coin completely |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200710073634XA CN101276501A (en) | 2007-03-26 | 2007-03-26 | System and corresponding method for small change capable of replacing coin completely |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101276501A true CN101276501A (en) | 2008-10-01 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA200710073634XA Pending CN101276501A (en) | 2007-03-26 | 2007-03-26 | System and corresponding method for small change capable of replacing coin completely |
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| Country | Link |
|---|---|
| CN (1) | CN101276501A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102254384A (en) * | 2010-05-19 | 2011-11-23 | 冲电气工业株式会社 | Automatic trade control device and automatic trade control program |
| CN103577980A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Wireless payment change returning system and corresponding method |
| CN104123641A (en) * | 2013-04-27 | 2014-10-29 | 黄金富 | Change finding system using real-time communication technology and corresponding method |
| CN112184450A (en) * | 2020-10-13 | 2021-01-05 | 中国联合网络通信集团有限公司 | Block chain-based transaction settlement method, transaction node, device and medium |
-
2007
- 2007-03-26 CN CNA200710073634XA patent/CN101276501A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102254384A (en) * | 2010-05-19 | 2011-11-23 | 冲电气工业株式会社 | Automatic trade control device and automatic trade control program |
| CN102254384B (en) * | 2010-05-19 | 2014-07-02 | 冲电气工业株式会社 | Automatic trade control device |
| CN103577980A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Wireless payment change returning system and corresponding method |
| CN104123641A (en) * | 2013-04-27 | 2014-10-29 | 黄金富 | Change finding system using real-time communication technology and corresponding method |
| CN112184450A (en) * | 2020-10-13 | 2021-01-05 | 中国联合网络通信集团有限公司 | Block chain-based transaction settlement method, transaction node, device and medium |
| CN112184450B (en) * | 2020-10-13 | 2023-06-20 | 中国联合网络通信集团有限公司 | Transaction settlement method, transaction node, device and medium based on blockchain |
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