CN1188942A - Electronic funds transfer meter and funds transfer method - Google Patents
Electronic funds transfer meter and funds transfer method Download PDFInfo
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- CN1188942A CN1188942A CN97122539A CN97122539A CN1188942A CN 1188942 A CN1188942 A CN 1188942A CN 97122539 A CN97122539 A CN 97122539A CN 97122539 A CN97122539 A CN 97122539A CN 1188942 A CN1188942 A CN 1188942A
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Abstract
An electronic funds transfer meter includes an IC card reader for reading an IC card, so as to permit the transfer of funds to pay for the use of a utility through the IC card, a display for displaying to a user an operation menu and the processed results of the meter, a keypad, for receiving the input of the user through keys, a communication module for transmitting data to and receiving data from public utilities and financial organizations, a memory for storing the remote control program and the operational program of the meter, received through communication networks from the public utilities and the financial organizations, and a meter controlling portion.
Description
The present invention relates to a kind of admeasuring apparatus, the especially a kind of wire transfer admeasuring apparatus that can estimate each phase use amount, calculate and demonstrate cost of use and utilize IC-card to transfer accounts, and a kind of transfer method.
At present, the various instruments of estimating such as costs of use such as the electricity charge, gas charge, water rates are designed to a kind of stored counts device that only measures use amount.From this stored counts device, the user can learn use amount, but can not learn cost of use.The usage charges of this use amount are paid by following mode.At first, the admeasuring apparatus reading person of utility company measures user's use amount, perhaps carries out remote metric instrument reading based on routine.Then, by computing machine, this use amount is converted into its cost of use, and sends a usage charges bill to the user.At last, this user confirms the content of this bill, and within the fixed period by this expense of bank paying.
As mentioned above, because aforementioned utility expense measuring instrument is designed to only show the stored counts device of use amount,, need many staff and various operation steps in order to ask user's defrayment.And aforementioned public utilities admeasuring apparatus can not obtain enough maintenance nuclear schools.That is to say when admeasuring apparatus has partial fault or when wrong, of no usely whether have mistake or in order to the method for Long-distance Control mistake to check.Therefore, just must do routine inspection by many staff.
In the process of request defrayment and reimbursement of expense, also have problems.That is to say that owing to the complicacy in request payment public utilities usage charges and this expense process of payment, the user is not sent or arrived to aforementioned bill in may having during for the defrayment appointment; When bill also must be reopened when losing in the process of sending to the user; Also have, if the user not during appointment in defrayment, also must add extra-pay.
The purpose of this invention is to provide a kind of wire transfer admeasuring apparatus that can estimate each phase use amount, calculate and demonstrate cost of use and utilize IC-card to transfer accounts, and a kind of transfer method, with raising public utility charges efficient, and make the user utilize public utility easily.
For achieving the above object, the invention provides a kind of wire transfer admeasuring apparatus, it comprises that is used to read the IC-card reader of IC-card with transfer payment funding public utilities usage charges, a display that is used for showing the result of an actions menu and admeasuring apparatus to the user, one by comprising the function key of account transfer operating key and selection admeasuring apparatus actions menu, the key of numerical key is accepted the keyboard of user's input, one is transmitted data and receives the communication module of data from aforementioned businesses and institutions to utility company and financial institution, the remote control program that storage receives from aforementioned utility company and financial institution by communication network and the storer of admeasuring apparatus running program, with one be used for controlling aforementioned IC-card reader, display, keyboard, the admeasuring apparatus control section of storer and communication module, be stored in program in the aforementioned memory with execution, calculate aforementioned usage charges, and carry out wire transfer.
The aforementioned running program that is stored in the storer comprises the instrument that calculates and write down usage charges, the instrument that carries out wire transfer, and the instrument of maintenance safe and detection metric instrument.
For achieving the above object, the invention provides a kind of method of utilizing a wire transfer admeasuring apparatus to transfer accounts, whether it: detecting has an IC-card to insert if comprising following each step, whether the password that detects a user is identical with the password of this admeasuring apparatus, handle usage charges payment transaction, by a value-added network communication, and on a screen, show the result that aforementioned fund is handled.
The aforementioned step of handling usage charges payment transaction comprises following each step again: whether detection is to predetermined paying dues day, if arrive, then on a screen, demonstrate the expense of this month, if less than, then detect the expense of last month and whether pay, if then on screen, demonstrate expense up to now, if the payment as yet of expense last month is then in the total value that demonstrates on the screen after last month, expense added overdue fine.
Describe a preferred forms of the present invention in detail by the reference accompanying drawing, above-mentioned purpose of the present invention and advantage will be distincter.In the accompanying drawing:
Fig. 1 shows the example of structure of the applied holonomic system of the present invention;
Fig. 2 is a block scheme, shows a kind of embodiment according to a wire transfer admeasuring apparatus of the present invention;
Fig. 3 is a process flow diagram, shows to install and the aforementioned process according to wire transfer admeasuring apparatus of the present invention of initialization
Fig. 4 is a process flow diagram, shows aforementioned operating process according to wire transfer admeasuring apparatus of the present invention.
Below, describe the present invention with reference to the accompanying drawings in detail.For a kind of wire transfer admeasuring apparatus being installed to solve the problem that exists in the employed Fare Collection System of present this public utilities admeasuring apparatus, this admeasuring apparatus must possess following function: it can measure use amount and the usage charges of each phase, and shifts a prepaid card, a direct Payment Card and a back fund of paying in the card by this calculating.These admeasuring apparatus should pass through a value-added network, such as common public switched telephone network (PSTN) or an integrated services digital network (ISDN) and an appropriate authority, be connected with the central control system of a financial institution such as a utility company, with user-friendly.
Fig. 1 shows the example of structure of the applied holonomic system of the present invention.Total system comprises 110, one financial institution's center systems 120 of 100, one wire transfer admeasuring apparatus of an IC-card and utility company's center system 130.Aforementioned IC-card 100 is meant prepaid card, direct payment card and the back pair card that is widely used.This IC-card has storage capacity and the better security bigger than magnetic card.Aforementioned electronic account transfer admeasuring apparatus 110 is used for measuring use amount and the usage charges of each phase, and finishes the account transfer operation of aforementioned IC-card.This admeasuring apparatus 110 is connected with the center system of a financial institution with a utility company with an ISDN by a PSTN.Aforementioned financial institution center system 120 links to each other with aforementioned electronic account transfer admeasuring apparatus by PSTN or ISDN, with the usage charges of transferring ownership by relevant financial institution.Aforementioned financial institution center system 120 links to each other with aforementioned utility company center system 130 by aforementioned PSTN and ISDN, to manage the information that relevant value transfer and expense receive.Aforementioned utility company center system 130 is meant the central control system that is installed in the aforementioned utility company.This utility company's center system 130 is by aforementioned PSTN and ISDN exchange message.
Fig. 2 is a block scheme, shows a kind of embodiment according to a wire transfer admeasuring apparatus of the present invention.This wire transfer admeasuring apparatus comprises 200, one LCD of an IC-card reader (liquid crystal display) module, an admeasuring apparatus control section 240, one DC power supplys 250 of 220, one keyboards, 230, one storeies and a communication module 260.
Aforementioned IC-card reader 200 is the interfacing equipments according to the requirement of international standard IC-card.This IC-card reader is read aforementioned IC-card, with the aforementioned usage charges of transferring by this IC-card.Aforementioned LCD module 210 is display parts, shows the result of an actions menu and admeasuring apparatus to the user.Aforementioned keyboard 230 comprises function key and the numerical key that is used to select the admeasuring apparatus actions menu, also comprises the account transfer operating key.This keyboard 230 is subjected to user's input by above-mentioned each keyed jointing.Aforementioned communication module 260 utilizes a modulator-demodular unit to transmit data and receive data from aforementioned businesses and institutions to aforementioned utility company and financial institution by aforementioned PSTN and ISDN.Aforementioned remote control program and the admeasuring apparatus running program that receives from aforementioned utility company and financial institution by communication network of aforementioned memory 240 storage, and provide one for revising or augment the memory block of aforementioned operation program.Aforementioned admeasuring apparatus control section 220 is used for the overall control of wire transfer admeasuring apparatus, and controls aforementioned IC-card reader 200, LCD module 210, keyboard 230, storer 240 and communication module 260, carries out the aforementioned operation program that is stored in the aforementioned memory 240.This control section 220 also comprises a ROM222, a RAM224 and a controller 226.Aforementioned DC power supply 250 utilizes AC power supplies to provide DC power supply as being input as above-mentioned admeasuring apparatus.
The aforementioned remote control program and the admeasuring apparatus running program that are stored in aforementioned memory 240 have following function: calculate and write down aforementioned usage charges, carry out wire transfer, maintenance safe, detection metric instrument.
The function of aforementioned calculation and record usage charges is: measure and write down this admeasuring apparatus use amount of every month; Write down total use amount and the total expenses of last month; Do not finish in the phase under the situation of paying dues, calculate extra cost automatically and it is shown at reimbursement of expense.
Above-mentioned wire transfer function is: in during a reimbursement of expense, and output expense volume and prepaid information whether on screen; Notice transfer of funds state; Pay in expense and use amount on the admeasuring apparatus and usage charges to be removed after finishing; Sale in inquiring about between a given period and processing details.
Also have, the function of above-mentioned maintenance safe, detection metric instrument is: in the process of defrayment and maintenance safe, notify the situation that aforementioned system is out of order or the communication between them is obstructed of a certain financial institution or utility company; Provide processed in detail; Back up; Detect aforementioned system.
Fig. 3 is a process flow diagram, shows the process of installation and the aforementioned admeasuring apparatus of initialization, and this process will be described below.At first, determine whether this admeasuring apparatus has a password (step 300).If have, just determine whether this password should change (step 310).
Whether if this admeasuring apparatus does not have password, just checking has a card to be inserted into (step 320).If inserted card, all memory blocks that primary data is stored in wherein all are cleared (step 330).Then, initial value (step 340) is set.Aforementioned initial value is these data: the installed date of this admeasuring apparatus, the preceding total use amount of this admeasuring apparatus is installed, the admeasuring apparatus password identical, overdue fine rate, basic charge, predetermined paying dues day with the password of a card.
At the aforementioned initial value of admeasuring apparatus as mentioned above after setting completed, the operation of this admeasuring apparatus is described below with reference to Fig. 4.Fig. 4 is a process flow diagram, shows the operating process of aforementioned admeasuring apparatus.At first, detect whether card insertion aforementioned IC-card reader 200 (step 400) is arranged.After card inserted, the password of aforementioned card was by aforementioned keyboard 230 inputs, and detect this password whether with the password of aforementioned admeasuring apparatus match (step 410).If two passwords are identical, just whether detect to pay day (step 420).If to pay day, an amount of money of cost of use just is presented on the screen (step 460) corresponding to this month.If also not to pay day, just detect expense last month whether paid (step 430).If no, the expense of this last month just adds overdue fine, and its total value is shown on the screen (step 450) by aforementioned LCD display module 210.If last month, expense was paid, expense up to now just is presented on the aforementioned screen (step 440), and operating process stops.Simultaneously, also to detect in abovementioned steps 450 and 460 shown expense users whether think payment (step 470) at once.If, just utilizing aforementioned communication module 260 by a value-added network and a bank correspondence, thereby this amount of money is transferred, this operating result is shown on the aforementioned screen (step 480), and process stops.If in payment at once now, process just is not terminated.
According to the present invention, can cut down staff's quantity of utility company, more effectively utilize public purse, and can make the user use public utility easily.This accomplishes like this: by designing a kind of admeasuring apparatus that can estimate each phase use amount, calculate and demonstrate cost of use and utilize widely used IC-card to transfer accounts, thereby set up a network system, wherein each mechanism utilizes common PSTN or ISDN to be connected with each other such as utility company and financial institution.
Claims (4)
1. wire transfer admeasuring apparatus comprises:
An IC-card reader that is used to read an IC-card is with the payment funding public utilities usage charges of transferring ownership by IC-card;
A display that is used for showing the result of an actions menu and admeasuring apparatus to the user;
One by comprising the account transfer operating key and selecting the keys such as function key, numerical key of admeasuring apparatus actions menu to accept the keyboard of user's input;
One is transmitted data and receives the communication module of data from aforementioned businesses and institutions to utility company and financial institution;
The remote control program that storage receives from aforementioned utility company and financial institution by communication network and the storer of admeasuring apparatus running program; With
An admeasuring apparatus control section that is used for controlling aforementioned IC-card reader, display, keyboard, storer and communication module is stored in program in the aforementioned memory with execution, calculates aforementioned usage charges, and carries out wire transfer.
2. wire transfer admeasuring apparatus as claimed in claim 1, wherein, the aforementioned operation program that is stored in the aforementioned memory comprises:
Calculate and write down the instrument of aforementioned usage charges;
Carry out the instrument of wire transfer; And
The instrument of maintenance safe and detection metric instrument.
3. method of utilizing a wire transfer admeasuring apparatus to transfer accounts comprises following each step:
Whether detect has an IC-card to insert;
Whether the password that detects a user is identical with the password of this admeasuring apparatus;
Handle aforementioned usage charges payment transaction;
By a value-added network communication, and on a screen, show the result that aforementioned fund is handled.
4. method as claimed in claim 3, wherein, the aforementioned step of handling usage charges payment transaction comprises following each step:
If whether detection arrive, then on a screen demonstrates the expense of this month to predetermined paying dues day;
If less than,
Whether then detect the expense of last month pays;
If last month, expense was paid, then on screen, demonstrate expense up to now;
If the payment as yet of expense last month is then in the total expenses that demonstrates on the screen after last month, expense added overdue fine.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN97122539A CN1188942A (en) | 1996-11-13 | 1997-11-12 | Electronic funds transfer meter and funds transfer method |
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR53826/96 | 1996-11-13 | ||
| CN97122539A CN1188942A (en) | 1996-11-13 | 1997-11-12 | Electronic funds transfer meter and funds transfer method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1188942A true CN1188942A (en) | 1998-07-29 |
Family
ID=5176843
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN97122539A Pending CN1188942A (en) | 1996-11-13 | 1997-11-12 | Electronic funds transfer meter and funds transfer method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1188942A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102737306A (en) * | 2011-03-02 | 2012-10-17 | 通用电气公司 | Utility meter for paying a utility bill |
-
1997
- 1997-11-12 CN CN97122539A patent/CN1188942A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102737306A (en) * | 2011-03-02 | 2012-10-17 | 通用电气公司 | Utility meter for paying a utility bill |
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