CN1662917A - Small sum transaction system and method through pre-approval using information recording medium - Google Patents
Small sum transaction system and method through pre-approval using information recording medium Download PDFInfo
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- CN1662917A CN1662917A CN038143577A CN03814357A CN1662917A CN 1662917 A CN1662917 A CN 1662917A CN 038143577 A CN038143577 A CN 038143577A CN 03814357 A CN03814357 A CN 03814357A CN 1662917 A CN1662917 A CN 1662917A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4033—Local solvency checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
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Abstract
The present invention relates to a low value transaction system using pre-approval with an information recording medium and a method thereof. According to the present invention, by recording pre-approved amount into recording medium without additional approval process, a user can carry out value settlement several times.
Description
Technical field
Present invention relates in general to a kind of penny ante system and method that utilizes the formula of preapproving of information recording medium, more specifically, the penny ante system and method that relates to the formula of preapproving of utilizing the information recording medium, wherein will preapprove amount record to the information recording medium, to allow the user to carry out repeatedly penny ante, even thereby under offline mode, also can in user's use limit, carry out penny ante.
Background technology
Usually, when people enjoyed service or buy article, the expense of the expense of service or purchase commodity was by cash or Credit Card Payments.
Credit card is included in the credit card of defrayment after the transaction approval and does not need transaction approval is the back Payment Card of defrayment.Back Payment Card is mainly used in the expense of taking of payment subway or automobile, and owing to adopted the terminal or the terminal computer of the system of back Payment Card to comprise all B/L (blacklist list), can whether be present in and determine whether checking and approving transaction among the B/L by detecting the information that writes down in the Payment Card behind the user.
But, because in the payment system of back, all B/L need to download on terminal or the terminal computer from server, simultaneously because hair fastener company and with the increase of the quantity of blocking client, the capacity of the B/L memory module on the terminal also should increase, therefore, provide the cost of memory module also will increase.And because all B/L need disposable being downloaded, therefore the time of downloading also will increase.
In addition, when penny ante in the future is extended to when not only serving such as public transport such as subway or automobiles, only use legacy system can not carry out a penny ante stably.
And owing to use the back payment system of back Payment Card such as vending machine and the increase of transportation card system, though the amount of money of single penny ante is very little in each system, therefore total value but increases, and hair fastener company will bear transaction risk.
Summary of the invention
Therefore, the objective of the invention is to address the above problem.The objective of the invention is to utilize the information recording medium to provide the penny ante system and method, wherein, be different from the back Payment Card by preapproving, even under offline mode, only, allow the user to carry out transaction, thereby transaction risk is minimized when preapproving the amount of money in the user uses limit the time.
In addition, another object of the present invention is to utilize the information recording medium to provide the penny ante system and method by preapproving, wherein, whether be included in by the unique identification information in the fox message recording medium in the D/L data of funds settlement terminal, and when the unique identification information in the information recording medium is included in the D/L data, allow the nonpayment penny ante and record D/L information in the information recording medium, can not carry out penny ante even have under the situation of D/L information at the funds settlement terminal.
In addition, another object of the present invention is to utilize the information recording medium to provide the penny ante system and method by preapproving, wherein, by regularly or aperiodically whether availablely downloading in order to determine described information recording medium from preapproving server, and utilize first-in first-out only to manage the D/L data at the fixed time, can reduce the D/L data capacity that is stored in the funds settlement terminal significantly and help its management.
In addition, another object of the present invention is to utilize the information recording medium to provide the penny ante system and method by preapproving, wherein, utilize terminal computer can control a plurality of funds settlement terminals, simultaneously the trade detail of funds settlement terminal or preapprove details and can be uploaded to and preapprove server.
For achieving the above object, the present invention utilizes the information recording medium to provide the penny ante system and method by preapproving, wherein, preapprove by a credit, in preapproving amount of money scope, can carry out the one or many penny ante, when preapproving penny ante when infeasible by what authorized, do not need other approval procedure under offline mode, to authorize new preapproving, can carry out penny ante by new preapproving.Simultaneously, the approval procedure by predetermined time interval judges whether the new information of preapproving of having authorized is is checked and approved, so that utilize the transaction possibility of D/L information management relevant information records medium in the future, thereby addresses the above problem.
In addition, in order to address the above problem, the present invention utilizes the information recording medium to provide a penny ante system by preapproving, and this system comprises: an information recording medium is used for record and preapproves information and use information; A funds settlement terminal, be used for communicating by letter with the information recording medium, the information of record in the sense information recording medium, whether the information that inspection is read from the information recording medium is included in the D/L data, when the information of reading from the information recording medium is not included in the D/L data, judge whether new preapproving is authorized to carry out penny ante, subsequently with trade detail and new information stores to a built-in memory device and the information recording medium preapproved; Preapprove server for one, be connected to the funds settlement terminal, be used for receiving regularly or aperiodically and store from the funds settlement terminal, with the consistent information of execution penny ante, this user that surpasses that the accumulative total user uses in the given time preapproves the part of the amount of money and it is classified as the back modes of payments, reception is from the new information of preapproving of funds settlement terminal and the unique identification information of information recording medium, thereby the unique identification information of query-related information recording medium and judge new preapprove whether effective, preapprove when effective when new, for number is preapproved in new one of the amount of money mandate of preapproving, thereby that will authorize new preapprove number and preapproves the amount of money and store in the database consistent with the information of relevant information records medium, preapprove when invalid when new, the unique identification information of relevant information records medium is added in the D/L data, regularly or aperiodically the D/L data are sent to the funds settlement terminal subsequently.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante system that provides is provided, and wherein, D/L information is additionally recorded on the information recording medium.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante system that provides is provided, and wherein, preapproves server and by wireless mode or wired mode the D/L data is sent to the funds settlement terminal.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante system that provides is provided, wherein, provide an additional terminal computer between server and the funds settlement terminal preapproving, it controls a plurality of funds settlement terminals, thus the trade detail that the funds settlement terminal is produced and preapprove details and send to and preapprove server, and the D/L data that will preapprove on the server send to the funds settlement terminal.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante system that provides is provided, wherein, the funds settlement terminal further comprises a D/L management equipment, be used for regularly or aperiodically from preapproving downloaded D/L data, and wipe and upgrade the D/L data by first-in first-out.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante system that provides is provided, wherein, when predetermined preapprove update date and arrived when authorizing new preapproving owing to one, the initialization of funds settlement terminal is recorded in preapproving remaining sum, preapprove date and transaction detail information on the information recording medium, subsequently on the information recording medium one of record new preapprove the amount of money and one new preapprove the date.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante system that provides is provided, wherein, when owing to preapproving remaining sum and preapprove remaining sum and authorize new preapproving less than predetermined minimum, the funds settlement terminal upgrade preapprove the amount of money and preapprove the date and on the information recording medium one of record new preapprove the amount of money and one new preapprove the date.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante system that provides is provided, wherein, the funds settlement terminal comprises: read/recording unit for one, be used for reading a predetermined information or writing down a predetermined information at the information recording medium from the information recording medium; A memory device is used to store by reading/predetermined information that recording unit is read, by carrying out penny ante information that penny ante produces or the new information of preapproving and D/L information; A safe access module, thus be used under offline mode, providing the predetermined information of security information playback record on the information recording medium; A communication facilities is used for supporting the transmission/reception of data with preapproving server; An opertaing device, be used for by read/recording unit reads out the predetermined unique identification information of self-information recording medium and preapproves information, thereby judge whether to carry out penny ante, when judgement can be carried out penny ante, allow to carry out penny ante, when judgement cannot be carried out penny ante, renewal preapprove information and by read/recording unit writes down the predetermined new information of preapproving on the information recording medium, the penny ante information that storage is produced by the execution of penny ante and new when preapproving information of same on memory device the information of storage relevant information records medium.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante method that provides is provided, wherein, preapprove by a credit, in preapproving amount of money scope, can carry out the one or many penny ante, when preapproving penny ante when infeasible by what authorized, do not need other approval procedure can under offline mode, authorize new preapproving, can carry out penny ante by new preapproving, simultaneously, judge by an approval procedure whether the new information of preapproving of having authorized is is checked and approved at the fixed time, so that utilize the transaction possibility of D/L information management relevant information records medium in the future, thereby address the above problem.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante method that provides is provided, this method comprises: step 100, information on the funds settlement terminal sense information recording medium, according to the unique identification information inquiry D/L information of reading, whether feasiblely judge by information recording medium payment penny ante from the information recording medium; Step 200 when judging by the penny ante of information recording medium payment when feasible, is judged the new necessity of whether preapproving in step 100; Step 300, when in step 200, judging new preapproving when unnecessary, penny ante is carried out in control, and deduct the amount of money that penny ante is paid from the amount of money of reading of preapproving, upgrade the amount of money and the amount of money after record transaction on the information recording medium subsequently, simultaneously the storage penny ante information corresponding on memory device with relevant unique identification number; Step 400, when in step 200, judging new preapproving in case of necessity, renewal is preapproved information and the recording scheduled new information of preapproving, storage new the preapprove information of being scheduled to corresponding with relevant unique identification number on memory device simultaneously on the information recording medium; Step 500 regularly or aperiodically will be stored in unique identification information on the memory device, preapprove information and transaction detail information and send to and preapprove server.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante method that provides is provided, this method further comprises step 600,: receive the new information of preapproving and unique identification information from the information recording medium of funds settlement terminal, the unique identification information of query-related information recording medium, preapprove when infeasible when new, the unique identification information of relevant information records medium is added in the D/L data, and regularly or aperiodically the D/L data are sent to the funds settlement terminal.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante method that provides is provided, this method further may further comprise the steps: judge regularly or aperiodically from whether being included in the D/L data by carrying out the information that penny ante produces that the funds settlement terminal sends, when determining this information when being included in the D/L data, in the D/L data, add the unique identification information of user profile recording medium, and regularly or aperiodically the D/L data are sent to the funds settlement terminal.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante method that provides is provided, in the step 200 in the method, when having arrived when authorizing new preapproving owing to funds settlement terminal predetermined update date of preapproving, the preapproving the amount of money, preapprove date and transaction detail information of record in the initialization information recording medium, subsequently in the information recording medium one of record new preapprove the amount of money and one new preapprove the date.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante method that provides is provided, in the step 200 in the method, when owing to read from the information recording medium preapprove remaining sum and preapprove remaining sum and authorize new preapproving less than the predetermined minimum of funds settlement terminal the time, upgrade preapprove the amount of money and preapprove the date and on the information recording medium one of record new preapprove the amount of money and one new preapprove the date.
In addition, in order to address the above problem, the present invention utilizes the information recording medium by the penny ante method that provides is provided, step 100 in the method further may further comprise the steps: the funds settlement terminal checks whether D/L information is present in the information of the information recording medium of reading from the information recording medium, judge whether feasiblely to conclude the business by the information recording medium, this method further may further comprise the steps: when D/L information is not recorded on the information recording medium, whether the unique identification information of the information recording medium that judgement is read from the information recording medium is present in the D/L data on the built-in memory device that is stored in the funds settlement terminal, when the unique information of judging this information recording medium is present in the D/L data, on the information recording medium, writes down D/L information and stop this transaction.
In addition, in order to address the above problem, the present invention utilizes the information recording medium to provide a penny ante method by preapproving, and this method further may further comprise the steps: the funds settlement terminal regularly or is aperiodically downloaded D/L information and is wiped and upgrade D/L information by first-in first-out from preapproving server.
Description of drawings
By description of preferred embodiments hereinafter and in conjunction with the accompanying drawings, just can understand above-mentioned purpose, advantage and characteristic with other of the present invention better.
Fig. 1 is the schematic block diagram of the penny ante system and method for the formula of preapproving of utilizing the information recording medium of the present invention;
Fig. 2 is the detailed diagram of the penny ante system and method for the formula of preapproving of utilizing the information recording medium of the present invention;
Fig. 3 is the funds settlement terminal process flow diagram in the penny ante system and method for the formula of preapproving of utilizing the information recording medium of the present invention, wherein, whether feasible Fig. 3 A be by D/L inquiry decision penny ante process flow diagram, thereby Fig. 3 B is a process flow diagram how to carry out penny ante according to the new necessity of preapproving decision;
Fig. 4 is the process flow diagram that whether is read out the step of carrying out according to information recording medium among Fig. 3;
Fig. 5 preapproves server flow process figure in the penny ante system and method for the formula of preapproving of utilizing the information recording medium of the present invention;
Fig. 6 is a process flow diagram of managing the method for D/L information according to the present invention on the funds settlement terminal.
Embodiment
Now, in conjunction with the accompanying drawings with the present invention in each embodiment system architecture is elaborated.
Before the present invention is described in detail, the term that several the present invention use is described earlier.Article one, D/L information is meant a D/L information that is recorded in the information recording medium, and D/L data are meant the one group of D/L information that comprises a D/L information at least.
In the present invention, be meant any medium as the information recording medium that can finish an at least transaction with credit with credit card function, its can by with contact or the communication of contactless funds settlement terminal 200, write down and store a predetermined information and read this information, simultaneously, information recording medium among the present invention is not limited especially, can be the credit card that provides such as a PDA or a mobile phone etc. by mobile communication terminal, as a contact/non-contact IC card or a contact/non-contact IC medium.
Be different from conventional art, in the present invention, when preapproving penny ante when infeasible by what authorized, do not need other approval procedure can under offline mode, authorize new preapproving, can carry out penny ante by new preapproving, simultaneously, judge by approval procedure whether the new information of preapproving of having authorized is is checked and approved at the fixed time, so that utilizing the transaction possibility of D/L information management relevant information records medium in the future.The approval procedure of this schedule time is carried out by the server of preapproving that is adopted among the present invention.
The penny ante system and method for the formula of preapproving of utilizing non-contact credit card is described according to one embodiment of the present of invention now.
Fig. 1 is the schematic block diagram of the penny ante system and method for the formula of preapproving of utilizing the information recording medium of the present invention;
As shown in Figure 1, according to the present invention, utilize the funds settlement system of preapproving credit card to comprise a credit card 100,200, one of funds settlement terminals are preapproved 300, one communication networks 400 of server and a terminal computer 500.
In order to carry out transaction with credit, with the unique identification information in the credit card, preapprove information, use information, D/L (tabulation of refusal list) information etc. and be recorded in the precalculated position in the credit card 100.The card unique identification information comprises this card number sign indicating number at least, the information of preapproving comprises the amount of money of preapproving, the date of preapproving and the number of times preapproved etc., use information comprises that single uses the accumulative total in the amount of money, the schedule time to use the amount of money and preapprove remaining sum etc., when credit card 100 as a kind of transportation card when taking subway, use information may further include and is taking/logon information and date and time information of carrying out that the funds clearing provide.
In addition, funds settlement terminal 200 is read the information of record in the credit card 100 and is judged whether D/L information is recorded, and when D/L information had been recorded on the credit card 100, this card of demonstration can not be used and refuse this transaction simultaneously in display device 250.When D/L information is not recorded on the credit card 100, funds settlement terminal 200 judges whether the card unique identification information of reading is present in the D/L data that are stored in advance on this funds settlement terminal 200 from credit card, when the card unique identification information is not in the D/L data, funds settlement terminal 200 judges that whether necessary one new preapproved and carry out penny ante according to judged result, handle the penny ante details simultaneously and with trade detail with new preapprove information stores to memory device 220, memory device 220 will be explained hereinafter.Here, be used to determine one new whether to preapprove that necessary reference quantity is and preapproves minimum dollar amount and the update time that remaining sum compares, its detail will be explained hereinafter.
The D/L data are downloaded from preapproving server 300 regularly or aperiodically, adopted first-in first-out to wipe and upgrade simultaneously.Here, each bar D/L information will comprise one in order to judge whether D/L information is recorded in the information on the credit card 100.In this case, even the card number of reading from credit card 100 is present in the D/L data, though transaction will be rejected, D/L information can not be recorded in the relevant credit card 100.How to produce and be used to judge that the information whether D/L information is recorded will be explained hereinafter.
In the time can carrying out penny ante by the judgement of inquiry D/L information, funds settlement terminal 200 judges whether new preapproving is authorized to.When this new preapproving is not authorized to, funds settlement terminal 200 deducts in the amount of money owing to having carried out the amount of money that penny ante is paid from preapproving of reading credit card 100, and the amount of money in the renewal credit card 100 and new funds number, when this new preapproving is authorized to, funds settlement terminal 200 upgrades to be preapproved information and write down the new information of preapproving in credit card 100, allows to carry out this penny ante subsequently.At this moment, the execution information of the penny ante that produced or the new information of preapproving and relevant card unique identification information are stored on the memory device 200, these information regularly or are aperiodically sent to preapprove on the server 300 then.Memory device 200 will be explained hereinafter.
When this new preapproving was authorized to, funds settlement terminal 200 was wiped and initialization is recorded in the remaining sum of preapproving on the credit card 100, and writes down the new amount of money of preapproving subsequently.
Here, the predetermined minimum dollar amount by the penny ante preapproving remaining sum and carried out by every funds settlement terminal 200 of relatively reading from credit card 100 judges whether to authorize new preapproving on funds settlement terminal 200.That is to say, when remaining sum is more than or equal to minimum dollar amount in advance,, when preapproving remaining sum, just need carry out new preapproving less than minimum dollar amount with regard to not needing to carry out new preapproving.
In addition, judge whether on funds settlement terminal 200, to authorize new preapproving according to the arrival of preapproving update time.In this case, funds settlement terminal 200 calculation date, thereby verify to preapprove update date and judge whether to arrive and preapprove update date, when preapproving update date when having arrived, just need carry out new preapproving, the new information of preapproving of storing is in advance recorded in the credit card 100.
Here, the new information of preapproving comprises the new amount of money and the new date and time information of preapproving preapproved at least, can further comprise the numerical information of preapproving in addition.
Because preapproving server 300 is connected with funds settlement terminal 200, preapprove server 300 penny ante that regularly or aperiodically receive from funds settlement terminal 200 is carried out information, only allow simultaneously the part that each user preapproves the amount of money that exceeds that the user uses is added up, and with its belong to the back modes of payments, in addition, preapprove new preapprove information and the card unique identification information of server 300 receptions from funds settlement terminal 200, the card unique identification information that inquiry is relevant judges whether this new information of preapproving is effective.When this new information of preapproving is effective, preapprove server 300 and preapprove number for the new amount of money mandate of preapproving, and will authorize new preapprove number and preapprove the amount of money and store in the database consistent 310 with this card unique identification information, when this new information of preapproving is effective, preapprove server 300 the card unique identification information of relevant credit card 100 is added in the D/L data on the D/L database 340, regularly or aperiodically these D/L data are sent on the funds settlement terminal 200 simultaneously.
In addition, preapprove server 300 and judge from the funds settlement terminal 200 card unique identification informations by the user the information of carrying out the penny ante generation regular or that irregularly send whether be included in the D/L data, when the card unique identification information is included in the D/L data, preapprove server 300 and just user's card unique identification information is added in the D/L data on the D/L database 340, and regularly or aperiodically the D/L data are sent on the funds settlement terminal 200.
Here, each bar D/L information of forming the D/L data all comprises the judgement information on the credit card 100 that is used to judge whether this D/L information should to be recorded in the request penny ante.According to D/L target such as the robbery that causes producing D/L information, loss, individual debt, exceed and use amount and other credit risk etc., generation is used for judging whether D/L information is recorded in the information of card 100, simultaneously should judgement information is included in the D/L information and is downloaded on the funds settlement terminal 200.
Terminal computer 500 connects a plurality of funds settlement terminals 200 and preapproves server 300 by communication network 400 connections, control a plurality of funds settlement terminals 200, the trade detail that will be produced by these funds settlement terminals 200 and preapprove details and send to and preapprove on the server 300, the D/L data that will preapprove simultaneously on the server 300 send on the funds approval terminal 200
Fig. 2 is the detailed diagram of the penny ante system and method for the formula of preapproving of utilizing credit card of the present invention.
As shown in Figure 2, funds settlement terminal 200 of the present invention comprises one and reads/recording unit 210, memory device 220, safe access module 230, keyboard input devices 240, display device 250, communication facilities 260, output device 270, alarm generation equipment 280, D/L (tabulation of refusal list) management equipment 285 and an opertaing device 290.
Here, when reading/when recording unit 210 is sensed credit card 100 under contact or noncontact mode, according to the control of opertaing device 290, reading/the precalculated position sense information of recording unit 210 from credit card 100, otherwise perhaps, record information to precalculated position in the credit card 100.
In addition, according to the control of opertaing device 290, memory device 220 storage is by reading/information stores that recording unit 210 is read from credit card 300, or by preapproving the information that server 300 sends.More particularly, memory device 220 will be stored in order to determine new preapproving whether effectively to preapprove update date or minimum dollar amount, storage D/L information is stored simultaneously because of the execution of penny ante and is being upgraded on the credit card 100 and the use information of record (when credit card is taking when being used to take the transportation card of subway/logon information, date and amount information) and store new information of preapproving and card unique identification information.
In addition, according to the control of opertaing device 290, safe access module 230 provides security information under the offline mode in order to read in the credit card 100 predetermined information of record.
In addition, keyboard input devices 240 comprises a plurality of keys, in order to allow the user import its enjoyment by the information of preapproving the multiple service that server 300 provides.
In addition, according to the control of opertaing device 290, the information on services of the keyboard input state in the display device 250 display keyboard input equipments 240 and the operational status information in the funds settlement terminal 200.
In addition, according to the control of opertaing device 290, communication facilities 260 support offline modes descend and preapprove the Data Receiving/transmission between the server 300.
In addition, according to the control of opertaing device 290, output device 270 will be to the executed of renewal in advance or is carried out and send receipt.
In addition, according to the control of opertaing device 290, the abnormal conditions that alarm generation equipment 280 will show on the funds settlement terminal.
In addition, according to the control of opertaing device 290, D/L management equipment 285 will be at the fixed time downloaded the D/L information from preapproving server 300, and adopts first-in first-out to update stored in D/L information in the memory device 220 on the funds settlement terminal 200.That is to say, D/L management equipment 285 at the fixed time with the D/L data storage to memory device 220.For example, supposed to keep 30 days D/L data, just memory device 220 to major general D/L data kept more than 30 days, then by revealing mode and wipe these D/L data from preapproving advanced person that server 300 downloads the date of D/L information.
In deciding the new mandate of preapproving in the update date that utilization is preapproved, opertaing device 290 calculation date are also checked and are preapproved update date, when read/when recording unit is read the card unique identification information, utilize the calculated date to judge whether to arrive and preapprove update date.When the update date of preapproving has arrived, opertaing device 290 is read in the memory device 220 the new amount of money of preapproving of storage, current time in the record amount of money and the credit card 100, the information of preapproving that opertaing device 290 storages simultaneously are new and the card unique identification information of associated credit card 100 regularly or aperiodically send to these information subsequently and preapprove on the server 300.
At this moment, opertaing device 290 wipe and initialization credit card 100 in storage preapprove the amount of money, the amount of money of preapproving the date and having used writes down subsequently and new preapprove the amount of money and new preapprove the date.
On the other hand, utilizing during minimum dollar amount decides the new mandate of preapproving, opertaing device 290 by read/recording unit 210 reads the information of preapproving of record in the credit card 100, and minimum dollar amount and preapprove remaining sum relatively.When preapproving remaining sum less than minimum dollar amount, utilization is stored in the new information of preapproving in the memory device 290, opertaing device 290 control reads/and recording unit 210 writes down the new amount of money of preapproving in credit card 100, simultaneously, when preapproving remaining sum more than or equal to minimum dollar amount, opertaing device 290 judges that this penny ante can be performed.When preapproving remaining sum less than the required minimum dollar amount of penny ante, opertaing device 290 judges that this penny ante cannot be performed.
At this moment, opertaing device 290 is wiped and previous preapproved the amount of money and previous preapprove the date, subsequently the new amount of money of preapproving is updated in the credit card 100.
When penny ante is carried out in user request, opertaing device 290 by read/recording unit 210 judges whether there is D/L information in the credit card 100.When D/L information does not exist, opertaing device 290 judges whether the card number of reading is present in the D/L information of memory device 220, when user's card number was present in the D/L information, judgement can not be carried out penny ante and show that this card can not be used, simultaneously record D/L information in credit card 100.When user's card number was not present in the D/L information, opertaing device is judged can carry out penny ante.Here, D/L information can be included in the indication information of record D/L information in the credit card 100, and at this moment, opertaing device 290 is checked indication information, judges whether D/L information has comprised D/L recording of information indication information.Therefore, when D/L information had comprised D/L recording of information indication information, opertaing device 290 control credits card 100 record D/L information made and can not carry out penny ante by other funds settlement terminal 200 and current funds settlement terminal 200.When D/L information did not comprise D/L recording of information indication information, opertaing device 290 was only refused to carry out this transaction and D/L information is not recorded on the relevant credit card 100.
On the other hand, as shown in Figure 2, preapprove server 300 and comprise a database 310, a server communications device 320 and a server controls equipment 330.
Here,, database 310 storage card numbers, preapprove number, preapprove the amount of money and preapprove update date, store use information simultaneously and comprise and upgrade and be recorded in the amount of money of preapproving on the credit card 100 according to the control of server controls equipment 330.
In addition, according to the control of server controls equipment 330, server communications device 320 under online mode, support and funds settlement terminal 200 between carry out Data Receiving/transmission.
In addition, server controls equipment 330 receives from the penny ante of funds settlement terminal 200 by communication facilities 320 and carries out information, only allow simultaneously the part that each user preapproves the amount of money that exceeds that the user uses add up, and it is belonged to the modes of payments afterwards.On the other hand, by the use limit of inquiry associated credit card 100, server controls equipment 330 judge new preapprove whether effective, when preapproving when effective, authorize new preapprove number and store its corresponding newly preapprove the amount of money.When stored with new preapprove corresponding new the preapproving of the amount of money after, produce an actual transaction information.
On the other hand, Fig. 3 is the funds settlement terminal process flow diagram in the penny ante system and method for the formula of preapproving of utilizing the information recording medium of the present invention, wherein, whether feasible Fig. 3 A be by D/L inquiry decision penny ante process flow diagram, thereby Fig. 3 B is a process flow diagram how to carry out penny ante according to the new necessity of preapproving decision.
As shown in Figure 3, the penny ante method that the formula of preapproving of access is preapproved in utilization comprises: step 100 S100, funds settlement terminal 200 is read the information in the credit card 100, card unique identification information inquiry D/L information according to reading judges whether to pass through the Credit Card Payments penny ante; Step 200 S200 when having judged when using credit card 100 payment penny antes feasible, judges the new necessity of whether preapproving in step 100 S100; Step 300 S300, when in step 200 S200, having judged new preapproving when unnecessary, penny ante is carried out in control, deduct the amount of money that penny ante is paid the amount of money from preapproving of reading, amount in force after upgrading the amount of money in the credit card 100 subsequently and using with record, and in memory device 220 the storage penny ante information corresponding with the associated card unique identification information; Step 400 S400, when in step 200 S200, having judged new preapproving in case of necessity, upgrade and to preapprove the amount of money with the recording scheduled new amount of money of preapproving in the credit card 100, and in memory device 220 storage the preapprove amount of money of new be scheduled to corresponding with the associated card unique identification information; Step 500 S500 regularly or aperiodically will be stored in card unique identification information in the memory device 200, preapprove information and transaction detail information and send to and preapprove on the server 300.
Here, step 100S100 comprises: step 110 S110, induction credit card 100; Step 120 S120 when sensing credit card 100, reads the card unique identification information and preapproves the amount of money from the precalculated position of credit card 100; Step 130 S130, the information of playback record on credit card 100 is to judge whether D/L information exists; Step 160 S160, when having judged that D/L information exists in step 130 S130, judgement is infeasible by the Credit Card Payments penny ante, and message of output indicates this card not use on screen.
On the other hand, step 100 S100 further comprises step 140 S140: the information of reading record on the credit card 100, when D/L information is not recorded on the credit card 100, judge whether corresponding card number is present in the D/L data on the funds settlement terminal 200, also comprise step 150 S150, when having judged that at step 140 S140 card number is present in the D/L data, the D/L information of will being correlated with records in the credit card 100, when having judged that at step 140 S140 card number is not present in the D/L data, execution in step 200 S200.
Here, the D/L information that D/L data in each bar funds settlement terminal 200 are comprised can comprise an indication information that is used to determine whether this D/L information is recorded on the credit card 100, in this case, should further may further comprise the steps: opertaing device 290 checks whether comprised this indication information with the D/L information of relevant card number unanimity, when this D/L information was not write down in the indication information indication that comprises when the D/L information of relevant card number, only refusal was carried out penny ante and non-execution in step 150S150.
In addition, as shown in Figure 4, step 120 S120 comprises: step 121 S121 receives security information according to the card number of reading; Step 122 S122 utilizes the amount information of preapproving that the security information analysis reads; Step 123 S123 when can not analytical information in step 122 S122, judges infeasible and enter step 160 S160 by the Credit Card Payments penny ante; Step 124 S124 when can analytical information in step 122S122, judges feasible and enter step 130 S130 by the Credit Card Payments penny ante.
In addition, step 200 S200 comprises: step 210 S210, and when judging that in step 100 S100 penny ante is feasible, judge and new whether necessaryly preapprove, judge the new necessity of whether preapproving according to the new arrival of preapproving the date here; Step 220 S220 preapproves remaining sum and predetermined minimum dollar amount by what relatively read, judges the new necessity of whether preapproving.Step 210 S210, the date and time information that funds settlement terminal 200 is calculated compared with the predetermined update date of preapproving, and preapproved update date and authorize the predetermined new amount of money of preapproving predetermined; Step 220 S220, when preapproving remaining sum less than the predetermined minimum dollar amount on the funds settlement terminal 200, carry out penny ante in the new back of preapproving, when preapproving remaining sum, do not need the new process of preapproving to carry out penny ante more than or equal to minimum dollar amount.
In addition, step 300 S300 comprises: step 310 S310, when judge new preapproving when unnecessary in step 220 S220, carry out penny ante; Step 320 S320 from preapproving the amount of money and deduct the amount of money that penny ante is paid by reading the credit card 100, upgrades the amount of money in the credit card 100 amount of money after with the record transaction subsequently; Step 330 S330, the precalculated position in the memory device 220 on the funds settlement terminal is recorded in the amount of money and associated card unique identification information after the transaction of calculating among step 320 S320; Step 340 S340, the clearing of demonstration funds are finished on screen.
In addition, step 400 S400 comprises: step 410 S410, when in step 200 S200, judging new preapproving in case of necessity, wipe preapproving the amount of money and preapproving the date of writing down in the credit card 100; Step 420 S420, control reads/and recording unit 210 reads on the memory device 220 the new information of preapproving of storage; Step 430 S430 utilizes the new information of preapproving read to write down in credit card 100 and new preapprove the amount of money and new preapprove the date; Step 440 S440 enters step S300 and shows that on screen preapproving renewal finishes, carries out penny ante subsequently.
Fig. 5 is preapproving the process flow diagram of carrying out the method for penny ante on the server according to the present invention.
As shown in Figure 5, comprise preapproving the method for carrying out penny ante on the server according to the present invention: step 510 S510 regularly or aperiodically receives the card unique identification information of carrying out about penny ante from funds settlement terminal 200, preapproves information and use information; Step 520 S520 is stored in the card unique identification information that receives among step 510 S510, preapproves information and use information; Step 530 S530 with reference to the new information of preapproving of storage in D/L database 340 and the database 310, judges whether relevant card unique identification information is corresponding with D/L information; Step 540 S540, when judging that in step 530 S530 relevant card unique identification information and D/L information is not at once, by use limit and funds number are compared, judge and new whether availablely preapprove that this funds number is by the new funds total value of preapproving in the information that the amount of money and associated user use preapproved that receives is carried out addition and obtained in certain period in step 510 S510; Step 550 S550 is when judge new preapproving when effective in step 540 S540, for the new amount of money mandate of preapproving is preapproved number and carried out new preapproving; Step 560S560, what step 540 S540 was new preapproves information stores in the database 310 consistent with the card unique identification information in the associated credit card 100; Step 570 S570 when judging new preapproving when invalid in step 540 S540, adds the card unique identification information of associated credit card 100 in the D/L data on the D/L database 340 to; Step 580 S580, do not allow new preapprove and regularly or the new information of preapproving that will in step 570 S570, join on the D/L data aperiodically send on the funds settlement terminal 200; Step 590 S590, with reference to the database among step 520 S520 340, only the amount of money of preapproving amount of money part that exceeds each user that the user is used in scheduled time slot adds up, and it is belonged to the back modes of payments.
In addition, whether this method further comprises the steps: to preapprove server 300 judgements and regularly or aperiodically is included in the D/L data from the consistent information of the penny ante execution of funds settlement terminal 200, when this information has been included in the D/L data, preapprove server 300 unique identification information in user's the information recording medium is added in the D/L data, and regularly or aperiodically the D/L data are sent on the funds settlement terminal 200.
Fig. 6 is a process flow diagram of managing the method for D/L information according to the present invention on the funds settlement terminal.
As shown in Figure 6, at the funds settlement terminal, D/L management of information method comprises: step 700S700, judge whether arrive the schedule time of downloading D/L information; Step 710 S710 downloads the D/L information from preapproving server 300 when judging the predetermined D/L of download information in step 700 S700 time is up when reaching at the fixed time; Step 720 S720, the previously stored D/L information of D/L information updating that adopts the first-in first-out utilization in step 710 S710, to download.
In the above-described embodiment, mainly describe funds settlement terminal 200 and preapproved data communication between the server 300, and the trade detail that can between exchanges mutually, preapproved details and D/L data.But, in another embodiment of the present invention, because a plurality of funds settlement terminals 200 are connected on the terminal computer 500, and terminal computer 500 is connected to by communication network 400 and preapproves on the server 300, by control terminal computing machine 500, the trade detail that funds settlement terminal 200 produces and preapprove details and be sent on the terminal computer 500, also regularly or aperiodically send to simultaneously and preapprove on the server 300 from terminal computer 500, on the other hand, terminal computer 500 receives from the D/L information of preapproving server and this D/L information is sent on the funds settlement terminal 200.
Be applicable to the multiple small-sized modes of payments according to penny ante system and method for the present invention, for example a public telephone, transportation payment, hotel's payment, refuelling station's payment, vending machine payment, expressway tol lcollection and a Car park payment that is used for public transportation equipment (for example automobile, subway, taxi etc.).
When the present invention is applied to subway charge payment system, Car park payment payment system and expressway tol lcollection payment system, because the payment of these penny antes is not carried out immediately, and can find the prepaid amount of money at the fixed time, for utilizing credit card 100 to carry out penny ante, other payment information and above-mentioned dealing money should be recorded.
For example, in above-mentioned subway charge payment system, information of taking/landing and date thereof are recorded in the credit card 100, and dealing money also is recorded after penny ante is carried out.In the Car park payment payment system, the zero-time of parking and the information of concluding time are recorded, and dealing money also is recorded after penny ante is carried out.In the expressway tol lcollection payment system, the information of the starting point of charge and charge end point is recorded, and dealing money also is recorded after penny ante is carried out.
The present invention is not limited in above-mentioned specific embodiment, and those skilled in the art can carry out multiple change and modification to this embodiment, and therefore, these changes and modification covered in the design philosophy of the present invention and scope that claims limit.
From the above mentioned, according to according to the penny ante system and method that utilizes the formula of preapproving of information recording medium of the present invention, by the information recording medium mandate credit that can carry out transaction with credit under offline mode is preapproved, can carry out one or more penny antes necessarily preapproving in the amount of money, and judge by an approval procedure whether the new information of preapproving of having authorized is is checked and approved at the fixed time, so that utilize the transaction possibility of D/L information management relevant information records medium in the future, even and under offline mode, in user's use limit, also can carry out penny ante.
In addition, according to the present invention, whether be included in the execution that can not allow penny ante in the D/L data of funds settlement terminal by the number information that detects credit card, in addition, the credit card that can not allow other funds settlement terminal to preapprove by record D/L information in credit card is used.
In addition, according to the present invention, can allow not exist the funds settlement terminal of D/L information to carry out penny ante by record D/L information in credit card.In this case, the credit card that has write down D/L information can not be used for payment transaction.
In addition, according to the present invention, by regularly or aperiodically downloading the D/L information that whether can be used in order to definite information recording medium from preapproving server, and utilize first-in first-out only to manage the D/L data at the fixed time, can reduce the D/L data capacity that is stored in the funds settlement terminal significantly and help its management.
In addition, according to the present invention, carry out the transaction detail information that produces and the new information of preapproving by receiving by funds settlement terminal penny ante from what preapprove server, simultaneously by producing D/L information and sending to the funds settlement terminal in reservations database stored D/L information and with D/L information, make not to be to produce and send the huge D/L information of sending by the information recording medium, and just produce and be sent in the D/L information on the information recording medium that the funds settlement terminal used by substance.Therefore, can reduce the D/L data volume significantly.
In addition, according to the present invention, utilize terminal computer can control a plurality of funds settlement terminals, by trade detail that the funds settlement terminal is produced with preapprove details and upload to and preapprove server, can manage the data that produce by the funds settlement terminal more simply.
Claims (16)
1, a kind of penny ante system that utilizes the formula of preapproving of information recording medium uses this system, preapproves by a credit, carries out the one or many penny ante in preapproving amount of money scope, and this system comprises:
An information recording medium is used for record and preapproves information and use information;
A funds settlement terminal, be used for communicating by letter with the information recording medium, the information of record in the sense information recording medium, whether the information that inspection is read from the information recording medium is included in the D/L data, when the information of reading from the information recording medium is not included in the D/L data, judge whether new preapproving is authorized to carry out penny ante, subsequently with trade detail and new preapproving in information stores to a built-in memory device and the information recording medium; And
Preapprove server for one, it is connected to the funds settlement terminal, be used for receiving regularly or aperiodically and store from the funds settlement terminal, with the consistent information of execution penny ante, this user that surpasses that the accumulative total user uses in the given time preapproves the part of the amount of money and it is classified as the back modes of payments, reception is from the new information of preapproving of funds settlement terminal and the unique identification information of information recording medium, thereby the unique identification information of query-related information recording medium and judge new preapprove whether effective, preapprove when effective when new, for number is preapproved in new one of the amount of money mandate of preapproving, thereby that will authorize new preapprove number and preapproves the amount of money and store in the database consistent with the information of relevant information records medium, preapprove when invalid when new, the unique identification information of relevant information records medium is added in the D/L data, regularly or aperiodically the D/L data are sent to the funds settlement terminal subsequently
Wherein, when preapproving penny ante when infeasible by what authorized, do not need other approval procedure can under offline mode, authorize new preapproving, thereby by the new execution penny ante of preapproving, simultaneously, judge by approval procedure whether the new information of preapproving of having authorized is is checked and approved at the fixed time, so that utilizing the transaction possibility of D/L information management relevant information records medium in the future.
2, according to the penny ante system of the formula of preapproving of utilizing the information recording medium of claim 1, it is characterized in that, preapprove that server is judged regularly or whether the information consistent with carrying out penny ante that sent by the funds settlement terminal aperiodically is included in the D/L data, when this information is included in the D/L data, in the D/L data, add the unique identification information of user profile recording medium, and regularly or aperiodically the D/L data are sent to the funds settlement terminal.
3, according to the penny ante system of the formula of preapproving of utilizing the information recording medium of claim 1, it is characterized in that D/L information is additionally recorded on the information recording medium.
4, according to the penny ante system of the formula of preapproving of utilizing the information recording medium of claim 1, it is characterized in that, preapprove server and the D/L data are sent to the funds settlement terminal by wireless mode or wired mode.
5, according to the penny ante system of the formula of preapproving of utilizing the information recording medium of claim 1, it is characterized in that, further provide a terminal computer between server and the funds settlement terminal preapproving, it controls a plurality of funds settlement terminals, thereby the trade detail that the funds settlement terminal is produced and preapprove details and send to and preapprove server, and the D/L data that will preapprove on the server send to the funds settlement terminal.
6, according to the penny ante system of the formula of preapproving of utilizing the information recording medium of claim 1, it is characterized in that, the funds settlement terminal further comprises a D/L management equipment, it is used for regularly or aperiodically from preapproving downloaded D/L data, and wipes and upgrade the D/L data by first-in first-out.
7, require any described penny ante system that utilizes the formula of preapproving of information recording medium in 1 to 6 according to aforesaid right, it is characterized in that, when predetermined preapprove update date and arrived when authorizing new preapproving owing to one, the initialization of funds settlement terminal is recorded in preapproving the amount of money, preapprove date and transaction detail information on the information recording medium, subsequently on the information recording medium one of record new preapprove the amount of money and one new preapprove the date.
8, require any described penny ante system that utilizes the formula of preapproving of information recording medium in 1 to 6 according to aforesaid right, it is characterized in that, when owing to preapproving remaining sum and preapprove remaining sum and authorize new preapproving less than predetermined minimum, the funds settlement terminal upgrades to be preapproved the amount of money and to preapprove the date, thus on the information recording medium one of record new preapprove the amount of money and one new preapprove the date.
9, according to the penny ante system of the formula of preapproving of utilizing the information recording medium of claim 1, wherein said funds settlement terminal comprises:
Read/recording unit for one, be used for reading a predetermined information or writing down a predetermined information at the information recording medium from the information recording medium;
A memory device is used to store by reading/predetermined information that recording unit is read, the penny ante information that is produced by the execution of penny ante or the new information of preapproving and D/L information;
A safe access module, thus be used under offline mode, providing the predetermined information of security information playback record on the information recording medium;
A communication facilities is used for supporting the transmission/reception of data with preapproving server; And
An opertaing device, be used for by read/recording unit reads out the predetermined unique identification information of self-information recording medium and preapproves information, thereby judge whether to carry out penny ante, when judgement can be carried out penny ante, allow to carry out penny ante, when judgement cannot be carried out penny ante, renewal preapprove information and by read/recording unit writes down the predetermined new information of preapproving on the information recording medium, the penny ante information that storage is produced by the execution of penny ante and new when preapproving information of same on memory device the information of storage relevant information records medium.
10, a kind of penny ante method of utilizing the formula of preapproving of information recording medium is used this method, preapproves by a credit, can carry out the one or many penny ante in preapproving amount of money scope, and this method comprises:
Step 100, whether the information on the funds settlement terminal sense information recording medium according to the unique identification information inquiry D/L information of reading from the information recording medium, is judged by information recording medium payment penny ante feasible;
Step 200 when judging by information recording medium payment penny ante when feasible, is judged the new necessity of whether preapproving in step 100;
Step 300, when in step 200, judging new preapproving when unnecessary, penny ante is carried out in control, and deduct the amount of money that penny ante is paid from the amount of money of reading of preapproving, upgrade the amount of money and the amount of money after record transaction on the information recording medium subsequently, simultaneously the storage penny ante information corresponding on memory device with relevant unique identification number;
Step 400, when in step 200, judging new preapproving in case of necessity, renewal is preapproved information and the recording scheduled new information of preapproving, storage new the preapprove information of being scheduled to corresponding with relevant unique identification number on memory device simultaneously on the information recording medium; And
Step 500, regularly or aperiodically will be stored in the information recording medium on the memory device unique identification information, preapprove information and transaction detail information and send to and preapprove server.
11, according to the penny ante method of the formula of preapproving of utilizing the information recording medium of claim 10, this method further comprises step 600,: receive the new information of preapproving and unique identification information from the information recording medium of funds settlement terminal, verify the unique identification information of relevant information records medium, preapprove when infeasible when new, the unique identification information of relevant information records medium is added in the D/L data, and regularly or aperiodically the D/L data are sent to the funds settlement terminal.
12, according to the penny ante method of the formula of preapproving of utilizing the information recording medium of claim 10, this method further may further comprise the steps: judge regularly or whether the information consistent with carrying out penny ante that sent by the funds settlement terminal aperiodically is included in the D/L data, when determining this information when being included in the D/L data, in the D/L data, add the unique identification information of user profile recording medium, and regularly or aperiodically the D/L data are sent to the funds settlement terminal.
13, penny ante method according to the formula of preapproving of utilizing the information recording medium of claim 10, it is characterized in that, step 200 further may further comprise the steps: whether the preapprove update date predetermined according to the funds settlement terminal arrives, judge new preapprove whether necessary, when having arrived when authorizing new preapproving owing to preapproving update date, record preapproves the amount of money in the initialization information recording medium, preapprove date and transaction detail information, record is new in the information recording medium subsequently preapproves the amount of money and new preapproves the date.
14, according to the penny ante method of the formula of preapproving of utilizing the information recording medium of claim 10, it is characterized in that, step 200 further may further comprise the steps: when read from the information recording medium preapprove remaining sum and preapprove remaining sum less than the predetermined minimum of funds settlement terminal the time, authorize new preapproving, on the lastest imformation recording medium preapprove the amount of money and preapprove the date and write down one new preapprove the amount of money and one new preapprove the date.
15, according to the penny ante method of the formula of preapproving of utilizing the information recording medium of claim 10, it is characterized in that, step 100 further may further comprise the steps: the funds settlement terminal checks whether D/L information is present in from the information that the information recording medium is read, whether thereby judgement is concluded the business by the information recording medium feasible
This method further may further comprise the steps: when D/L information is not recorded on the information recording medium, whether the number of the information recording medium that judgement is read from the information recording medium is present in the D/L data on the built-in memory device that is stored in the funds settlement terminal, when the number of judging this information recording medium is present in the D/L data, on the information recording medium, writes down D/L information and stop this transaction.
16, according to the penny ante method of the formula of preapproving of utilizing the information recording medium of claim 10, it is characterized in that this method further may further comprise the steps: the funds settlement terminal regularly or is aperiodically downloaded D/L information and is wiped and upgrade D/L information by first-in first-out from preapproving server.
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| Application Number | Priority Date | Filing Date | Title |
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| KR10-2002-0028256A KR100454140B1 (en) | 2002-05-21 | 2002-05-21 | Small petty trading system and method by pre-approval using information recording medium |
| KR1020020028256 | 2002-05-21 |
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| CN1662917A true CN1662917A (en) | 2005-08-31 |
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| CN038143577A Pending CN1662917A (en) | 2002-05-21 | 2003-05-06 | Small sum transaction system and method through pre-approval using information recording medium |
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| EP (1) | EP1506506A4 (en) |
| KR (1) | KR100454140B1 (en) |
| CN (1) | CN1662917A (en) |
| AU (1) | AU2003230255A1 (en) |
| WO (1) | WO2003098514A1 (en) |
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| KR101875161B1 (en) * | 2016-12-30 | 2018-08-02 | 한국철도공사 | Payment System for HCE Mobile Deferred Payment Type Traffic Card using Minimum payment amount and Payment Method thereof |
| KR101912366B1 (en) * | 2017-08-08 | 2018-10-26 | 유정정보시스템(주) | System, method and computer program for providing credit card authorization and billing service for hotel users |
| WO2020059903A1 (en) * | 2018-09-20 | 2020-03-26 | 유정정보시스템(주) | System and method for providing credit card authorization and billing service to hotel user |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100297052B1 (en) * | 1998-07-02 | 2001-08-07 | 구자홍 | Refrigerant flow path structure of ammonia absorption system |
| KR100333182B1 (en) * | 1999-01-29 | 2002-04-18 | 이종인 | Management system for dealings on a small sum of money |
| KR100389194B1 (en) * | 2001-07-09 | 2003-06-27 | 씨엔씨엔터프라이즈 주식회사 | Method of B/L data compression of card and transmission system thereof |
-
2002
- 2002-05-21 KR KR10-2002-0028256A patent/KR100454140B1/en active IP Right Grant
-
2003
- 2003-05-06 AU AU2003230255A patent/AU2003230255A1/en not_active Abandoned
- 2003-05-06 EP EP03723415A patent/EP1506506A4/en not_active Withdrawn
- 2003-05-06 WO PCT/KR2003/000897 patent/WO2003098514A1/en not_active Application Discontinuation
- 2003-05-06 CN CN038143577A patent/CN1662917A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101939963A (en) * | 2007-12-07 | 2011-01-05 | 法国电信公司 | Method of controlling applications installed on a security module associated with a mobile terminal, associated security module, mobile terminal and server |
| CN104246804A (en) * | 2013-08-13 | 2014-12-24 | 日本电气株式会社 | Clearing system, server equipment, terminal equipment, recording medium, method and program |
| CN108780550A (en) * | 2016-03-18 | 2018-11-09 | 万事达卡国际公司 | The method and system of solution and monthly payment plan simulation is paid by instalments in transaction in advance |
| CN108780550B (en) * | 2016-03-18 | 2022-04-05 | 万事达卡国际公司 | Advanced transaction installment payment solution and installment simulation method and system |
Also Published As
| Publication number | Publication date |
|---|---|
| AU2003230255A1 (en) | 2003-12-02 |
| EP1506506A1 (en) | 2005-02-16 |
| EP1506506A4 (en) | 2007-05-16 |
| WO2003098514A1 (en) | 2003-11-27 |
| KR20020048917A (en) | 2002-06-24 |
| KR100454140B1 (en) | 2004-10-26 |
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