EP1506506A1 - 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

Info

Publication number
EP1506506A1
EP1506506A1 EP03723415A EP03723415A EP1506506A1 EP 1506506 A1 EP1506506 A1 EP 1506506A1 EP 03723415 A EP03723415 A EP 03723415A EP 03723415 A EP03723415 A EP 03723415A EP 1506506 A1 EP1506506 A1 EP 1506506A1
Authority
EP
European Patent Office
Prior art keywords
approval
information
recording medium
information recording
small sum
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP03723415A
Other languages
German (de)
French (fr)
Other versions
EP1506506A4 (en
Inventor
Il-Moon Chae
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Smartro Co Ltd
Original Assignee
Smartro Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Smartro Co Ltd filed Critical Smartro Co Ltd
Publication of EP1506506A1 publication Critical patent/EP1506506A1/en
Publication of EP1506506A4 publication Critical patent/EP1506506A4/en
Withdrawn legal-status Critical Current

Links

Classifications

    • 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
    • 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
    • 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"
    • 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
    • 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
    • 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
    • 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
    • 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

Definitions

  • the present invention relates, in general, to small sum transaction system and method through a pre-approval using an information recording medium, and, more specifically, to small sum transaction system and method through a pre-approval using an information recording medium, in which pre-approved amount of money is recorded in the information recording medium to allow a user to execute plural small sum transactions, so as to execute the small sum transaction within usage-limit amount of money of the user even in an off-line mode.
  • the credit card includes a credit card by which the prices are paid after a transaction approval and a post-payment card by which the prices are paid without the transaction approval.
  • the post-payment card is used mainly for paying the subway fee or the bus fee, and since terminals or terminal computers in a system using the post- payment card have all the B/L (black list), it is checked whether the information recorded in the post-payment card of a user exists in the B/L or not to perform the transaction approval.
  • the present invention is made in order to solve the aforementioned problems. It is an object of the present invention to provide small sum transaction system and method through a pre-approval using an information recording medium, in which the transaction risk can be minimized by allowing a user to execute the transactions only by the pre-approved amount of money within a usage-limit amount of money of the user even in an off-line mode unlike the post-payment card.
  • a D/L Denied List
  • the present invention provides a small sum transaction system through a pre-approval using an information recording medium, with which one or more small sum transactions are executed within a range of pre-approved amount of money through a credit pre-approval, wherein when the small sum transaction is not available through the granted pre-approval, a new pre- approval is granted in an off-line mode without additional approval procedures to execute the small sum transaction through the new pre-approval, and wherein it is determined whether the granted new pre-approval information is approved or not through an approval procedure in a predetermined time interval to manage the possibility of transaction of the relevant information recording medium in the future by using a D/L information, thereby solving the aforementioned problems.
  • the present invention provides a small sum transaction system through a pre-approval using an information recording medium, the system comprising: an information recording medium for recording a pre-approval information and a usage information; a fee settlement terminal for communicating with the information recording medium to read out information recorded in the information recording medium, checking whether the information read out from the information recording medium is included in a D/L data or not, determining, when the information read out from the information recording medium is not included in the D/L data, whether a new pre-approval is granted or not to execute a small sum transaction, and then storing transaction particulars or a new pre-approval information in an internal storage means and in the information recording medium; and a pre-approval server connected to the fee settlement terminal, for receiving and storing information corresponding to execution of the small sum transaction from the fee settlement terminal periodically or non-periodically, accumulating the amount of money spent for a predetermined time by the user out of pre-approved amount of money for each user to be subjected to post
  • the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein the D/L information is additionally recorded in the information recording medium. Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein the pre-approval server transmits the D/L data to the fee settlement terminal using a wireless mode or a wire mode.
  • the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein an additional terminal computer is provided between the pre-approval server and the fee settlement terminal, and wherein the terminal computer controls a plurality of fee settlement terminals to transmit the transaction particulars or the pre-approval particulars generated in the fee settlement terminal to the pre-approval server and to transmit the D/L data of the pre-approval server to the fee settlement terminals.
  • the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein the fee settlement terminal further comprises a D/L management means for periodically or non-periodically downloading the D/L data from the pre-approval server and erasing and updating the D/L data using a first-in first- out method.
  • the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein when a new pre-approval is granted because a predetermined pre-approval updating date has come, the fee settlement terminal initializes a pre-approved residual amount of money, a pre-approved date and a transaction particulars information recorded in the information recording medium and then records a new pre-approved amount of money and a new pre-approved date in the information recording medium.
  • the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein when a new pre-approval is granted because a pre-approved residual amount of money is smaller than a predetermined minimum pre- approved residual amount of money, the fee settlement terminal updates the pre- approved amount of money and the pre-approved date to record a newly pre-approved amount of money and a newly pre-approved date in the information recording medium.
  • the present invention provides a small sum transaction system through a pre-approval using an information recording medium, the fee settlement terminal comprising: a reading- out/recording means for reading out a predetermined information from the information recording medium or recording a predetermined information in the information recording medium; a storage means for memorizing the predetermined information read out by the reading-out/recording means, a small sum transaction information or new pre-approval information resulted from execution of the small sum transaction and a D/L information; a security access module for supplying a security information in an off-line mode so as to read out the predetermined information recorded in the information recording medium; a communication means for supporting transmission/reception of data with the pre-approval server; and a control means for reading out a predetermined unique information and a pre-approval information from the information recording medium through the reading-out/recording means to determine whether the small sum transaction is allowable or not, allowing the small sum transaction to be executed when it is determined that the small sum transaction
  • the present invention provides a small sum transaction method through a pre-approval using an information recording medium, with which one or more small sum transactions are executed within a range of pre-approved amount of money through a credit pre- approval, wherein when the small sum transaction is not available through the granted pre-approval, a new pre-approval is granted in an off-line mode without an additional approval procedure to execute the small sum transaction through the new pre-approval and it is determined whether the granted new pre-approval information is approved or not through an approval procedure in a predetermined time to manage the possibility of transaction of the relevant information recording medium in the future by using a D/L information, thereby solving the aforementioned problems.
  • the present invention provides a small sum transaction method through a pre-approval using an information recording medium, the method comprising: a step 100 in which a fee settlement terminal reads out information of the information recording medium, inquires a D/L data on the basis of a unique information of the information recording medium read out, and determines whether a payment for the small sum transaction by means of the information recording medium is possible or not; a step 200 of, when it is determined in the step 100 that the payment for the small sum transaction by means of the information recording medium is possible, determines whether a new pre-approval is necessary or not; a step 300 of, when it is determined in the step 200 that the new pre- approval is not necessary, controlling to execute the small sum transaction, subtracting a payment amount of money for the small sum transaction from the read-out pre- approved amount of money, then updating the amount of money to record the resultant amount of money in the information recording medium, and storing the small sum transaction information in correspondence to a relevant unique number in a storage means;
  • the present invention provides a small sum transaction method through a pre-approval using an information recording medium, further comprising a step 600 of receiving the new pre- approval information and the unique information of the information recording medium from the fee settlement terminal to inquire the unique information of the relevant information recording medium and when the new pre-approval is not available, adding the unique information of the relevant information recording medium to the D/L data and periodically or non-periodically transmitting the D/L data to the fee settlement terminal.
  • the present invention provides a small sum transaction method through a pre-approval using an information recording medium, further comprising a step of determining whether the information resulted from execution of the small sum transaction, periodically or non- periodically transmitted from the fee settlement terminal, is included in the D/L data or not, and when it is determined that the information is included in the D/L data, adding the unique information of the information recording medium of a user to the D/L data and periodically or non-periodically the D/L data to the fee settlement terminal.
  • the present invention provides a small sum transaction method through a pre-approval using an information recording medium, wherein in the step 200, when the new pre-approval is granted because a pre-approval updating date predetermined in the fee settlement terminal has come, the pre-approved amount of money, the pre-approved date and the transaction particulars information recorded in the information recording medium are initialized and then a newly pre-approved amount of money and a newly pre-approved date are recorded in the information recording medium.
  • the present invention provides a small sum transaction method through a pre-approval using an information recording medium, wherein in the step 200, when the new pre-approval is granted because a pre-approved residual amount of money read out from the information recording medium is smaller than a predetermined minimum pre-approved residual amount of money predetermined in the fee settlement terminal, the pre- approved amount of money and the pre-approved date is updated to record a newly pre- approved amount of money and a newly pre-approved date in the information recording medium.
  • the present invention provides a small sum transaction method through a pre-approval using an information recording medium
  • the step 100 further comprises a step in which the fee settlement terminal checks whether a D/L information exists in the information of the information recording medium read out from the information recording medium or not to determine whether the transaction by means of the information recording medium is possible or not
  • the method further comprising a step in which when the D/L information is not recorded in the information recording medium, it is determined whether the unique information of the information recording medium read out from the information recording medium exists in the D/L data stored in an internal storage means of the fee settlement terminal or not, and when it is determined that the unique information of the information recording medium exists in the D/L data, the D/L information is recorded in the information recording medium and the transaction is stopped.
  • the present invention provides a small sum transaction method through a pre-approval using an information recording medium, further comprising a step in which the fee settlement terminal periodically or non-periodically downloads the D/L information from the pre- approval server and erases and updates the D/L information using a first-in first-out method.
  • Fig. 1 is a block diagram schematically illustrating a small sum transaction system through a pre-approval using an information recording medium according to the present invention
  • Fig. 2 is a block diagram illustrating in detail the small sum transaction system through a pre-approval using an information recording medium according to the present invention
  • Fig. 3 is flowcharts illustrating a small sum transaction method through a pre- approval using an information recording medium in a fee settlement terminal according to the present invention, where Fig. 3A is a flowchart for determining whether the small sum transaction is possible or not through a D/L inquiry and Fig. 3B is a flowchart for executing the small sum transaction depending upon necessity of a new pre-approval;
  • Fig. 4 is a flowchart illustrating steps which is performed depending upon whether the information recording medium adapted in Fig. 3 is read out or not;
  • Fig. 5 is a flowchart illustrating the small sum transaction method through a pre-approval using an information recording medium in a pre-approval server according to the present invention.
  • Fig. 6 is a flowchart illustrating a method of managing a D/L information in a fee settlement terminal according to the present invention.
  • a D/L information means one piece of D/L information recorded in an information recording medium
  • a D/L data means a D/L information group including at least one piece of D/L information.
  • the information recording medium is, as an information recording medium having a function as a credit card for enabling at least a credit transaction, any medium only if a predetermined information is recorded and stored by communicating with the fee settlement terminal 200 in a contact type or a non-contact type and the stored information is read out
  • the information recording medium in the present invention is not specifically limited but may be a credit card such as a contact/non-contact type IC card or a contact/non-contact type IC medium provided in a mobile communication terminal such as a PDA or a mobile phone, or the like.
  • a new pre-approval is granted in an off-line mode without additional approval procedures to execute the small sum transaction through the new pre-approval, and it is determined whether the granted new pre-approval information is approved or not through an approval procedure in a predetermined time to manage the possibility of transaction of the relevant information recording medium in the future by using the D/L information.
  • the approval procedure in the predetermined time is performed by a pre-approval server to which the present invention is adapted.
  • Fig. 1 is a block diagram schematically illustrating the small sum transaction system through a pre-approval using a credit card according to the present invention.
  • a fee settlement system using the pre-approved credit card comprises a credit card 100, fee settlement terminals 200, a pre-approval server 300, a communication network 400 and a terminal computer 500.
  • a unique information of the credit card, a pre-approval information, a usage information, a D/L (Denied List) information, etc. for a credit transaction are recorded in a predetermined area of the credit card 100.
  • the card-unique information includes at least the card number
  • the pre-approval information includes a pre-approved amount of money, a pre-approved date, a number of pre-approval times, etc
  • the usage information includes a one-time usage amount, an accumulated usage amount in a predetermined time, a pre-approved residual amount, etc.
  • the usage information may further include a boarding/landing information and a date information for settling the fee when the credit card 100 is a transportation card for use in boarding and landing a subway.
  • the fee settlement terminals 200 read out the information recorded in the credit card 100 to determine whether the D/L information is recorded or not, and when the D/L information is recorded in the credit card 100, display the impossibility of the card usage in a display means 250 and deny the transaction.
  • the fee settlement terminals 200 determines whether the card-unique information read out from the credit card exists in the D/L data stored in advance in the fee settlement terminals 200 or not, and when the card-unique information exists in the D/L data, record the D/L information in the credit card 100.
  • the fee settlement terminals 200 determines whether a new pre-approval is necessary or not to execute the small sum transaction depending out the determination, and settle the transaction particulars to store the transaction particulars or the new pre-approval information in a storage means 220 described later and to record them in the credit card.
  • a reference for determining whether a new pre-approval is necessary or not is a minimum amount of money to be compared with the pre-approved residual amount of money or an updating date, and details thereof will be described later.
  • the D/L data is periodically or non-periodically downloaded from the pre- approval server 300 and is erased and updated using a first-in first-out method.
  • each piece of D/L information may include the information for determining whether the D/L information is recorded in the credit card 100 or not. In this case, even if the card number read out from the credit card 100 exists in the D/L data, only the transaction may be denied and the D/L information may not be recorded in the relevant credit card 100. How to generate the information for determining whether the D/L information is recorded or not will be described later.
  • the fee settlement terminals 200 determine whether a new pre-approval is granted or not. When the new pre-approval is not granted, the fee settlement terminals 200 subtract the paying amount of money for the small sum transaction due to the execution of the small sum transaction from the pre-approved amount of money read out from the credit card 100 to update the amount of money and a new amount of money in the credit card 100, and when the new pre- approval is granted, the fee settlement terminals 200 update the pre-approval information and record the new pre-approval information in the credit card 100 and then allow the execution of the small sum transaction. At that time, the information on the execution of the small sum transaction or the new pre-approval information generated is stored in the storage means 200 to be described later along with the relevant card- unique information and then is periodically or non-periodically transmitted to the pre- approval server 300.
  • the fee settlement terminals 200 erase and initialize the pre-approved residual amount of money recorded in the credit card 100, and then record the newly pre-approved amount of money.
  • the determination of whether the new pre-approval is granted or not in the fee settlement terminals 200 is performed by comparing the pre-approved residual amount of money read out from the credit card 100 with a predetermined minimum amount of money for a small sum transaction set up every fee settlement terminal 200. That is, when the pre-approved residual amount of money is greater than or equal to the minimum amount of money, it is determined that the new pre-approval is not necessary, and when the pre-approved residual amount of money is smaller than the minimum amount of money, it is determined that the new pre-approval is necessary. Further, the determination of whether the new pre-approval is granted or not in the fee settlement terminals 200 is performed depending upon advent of the pre- approval updating date.
  • the fee settlement terminals 200 counts the date to check the pre-approval updating date, determine whether the pre-approval updating date has come or not using the counted date, and when it is determined that the pre- approval updating date has come, determine that the new pre-approval is necessary, to record the new pre-approval information stored in advance into the credit card 100.
  • the new pre-approval information includes at least the newly pre- approved amount of money and the newly pre-approved date information, and may further include the number information of the pre-approvals.
  • the pre-approval server 300 Since the pre-approval server 300 is connected to the fee settlement terminals 200, the pre-approval server 300 periodically or non-periodically receives the information resulted from the execution of the small sum transaction from the fee settlement terminals 200 and allows only the amount of money used by the user out of the pre-approved amount of money for each user to be accumulated and to be subjected to the post-payment, while the pre-approval server 300 receives the new pre-approval information and the card-unique information from the fee settlement terminals 200 and inquires the relevant card-unique information to determine whether the new pre- approval is available.
  • the pre-approval server 300 When the new pre-approval is available, the pre-approval server 300 grants the pre-approval number to the new pre-approved amount of money to store the granted new pre-approval number and the pre-approved amount of money in a database 310 in correspondence to the card-unique information, and when the new pre- approval is available, the pre-approval server 300 adds the card-unique information of the relevant credit card 100 to the D/L data of a D/L database 340 and periodically or non-periodically transmits the D/L data to the fee settlement terminals 200.
  • the pre-approval server 300 determines whether the card-unique information of the user included in the information resulted from the execution of the small sum transaction, periodically or non-periodically transmitted from the fee settlement terminals 200, is included in the D/L data, and when the card-unique information is included in the D/L data, the pre-approval server 300 adds the card- unique information of the user to the D/L data of the D/L database 340 and periodically or non-periodically the D/L data to the fee settlement terminals 200.
  • each piece of D/L information constituting the D/L data may include the information for determining whether the D/L information should be recorded in the credit card 100 requesting the small sum transaction.
  • the information for determining whether the D/L information should be recorded in the credit card 100 is generated in accordance with the causes to be a D/L target such as robbery, loss, person in arrear, excess of usage limit, other credit risks, etc in generating the D/L information, is included in the D/L information and is downloaded into the fee settlement terminals 200.
  • a D/L target such as robbery, loss, person in arrear, excess of usage limit, other credit risks, etc in generating the D/L information
  • the terminal computer 500 is connected to the plurality of fee settlement terminals 200 and is connected to the pre-approval server 300 through the communication network 400, controls the plurality of fee settlement terminals 200 to transmit the transaction particulars and the pre-approval particulars generated in the fee settlement terminals 200 to the pre-approval server 300, while transmitting the D/L data of the pre-approval server 300 to the fee settlement terminals 200.
  • Fig. 2 is a block diagram illustrating in detail the small sum transaction system through a pre-approval using a credit card according to the present invention.
  • the fee settlement terminal 200 according to the present invention comprises a reading-out/recording means 210, a storage means 220, a security access module 230, a key input means 240, a display means 250, a communication means 260, an output means 270, an alarm generating means 280, a D/L (Denied List) management means 285 and a control means 290.
  • the reading-out/recording means 210 senses the credit card 100 in a contact or non-contact mode
  • the reading-out/recording means 210 reads out the information recorded in a predetermined area of the credit card 100 or on the contrary, records the information in a predetermined area of the credit card 100, in accordance with control of the control means 290.
  • the storage means 220 memorizes the information read out from the credit card 300 by the reading-out/recording means 210 or the information transmitted from the pre-approval server 300, in accordance with the control of the control means 290. More specifically, the storage means 220 memorizes the pre-approval updating date or the minimum amount of money for determining whether the new pre-approval is available or not, as well as the D/L information, while memorizing the usage information (when the credit card is a transportation card used for a subway, the boarding/landing information, date and amount of money) updated and recorded in the credit card 100 in execution of the small sum transaction and the new pre-approval information along with the card-unique information.
  • the security access module 230 supplies a security information in the off-line mode so as to read out the predetermined information recorded in the credit card 100, in accordance with the control of the control means 290.
  • the key input means 240 comprises a plurality of keys for inputting the information by a user for enjoying various services supplied from the pre- approval server 300. Furthermore, the display means 250 displays the service information on the key input state of the key input means 240 and the operation state of the fee settlement terminal 200, in accordance with the control of the control means 290.
  • the communication means 260 supports the reception/transmission of data with the pre-approval server 300 in the off-line mode, in accordance with the control of the control means 290.
  • the output means 270 operates in accordance with the control of the control means 290 to issue a receipt for the execution or non-execution of the pre- approval update.
  • the alarm generating means 280 operates in accordance with the control of the control means 290 to display the abnormal condition of the fee settlement terminal.
  • the D/L management means 285 operates in accordance with the control of the control means 290 to download the D/L information for a predetermined time from the pre-approval server 300 and to update the D/L information stored in the storage means 220 of the fee settlement terminal 200 using the first-in first-out method. That is, the D/L management means 285 stores the D/L data for the predetermined time in the storage means 220. For example, supposed that the D/L data for 30 days are retained, it means that the storage means 220 retains the D/L information for the latest 30 days, and the D/L data is erased in the first-in first-out method by dates of the D/L information downloaded from the pre-approval server 300.
  • the control means 290 reads out the card-unique information from the credit card 100 through the reading-out/recording means 210 and inquires the D/L data using the card-unique information with reference to the storage means 220 to determine whether the small sum transaction is possible or not.
  • the control means 290 determines whether the new pre-approval is necessary or not by use of the pre-approval updating date or the minimum amount of money stored in the storage means, and when it is determined that the new pre-approval is not necessary, the control means 290 subtracts the paying amount for the small sum transaction due to the execution of the small sum transaction from the read-out pre- approved residual amount of money and updates the pre-approved residual amount of money to record the resultant amount of money through the reading-out/recording means 210. When it is determined that the new pre-approval is necessary, the control means 290 grants the new pre-approval to record the new pre-approval information in the credit card 100 and then to allow the small sum transaction to be executed.
  • the control means 290 In determination of grant of the new pre-approval using the pre-approval updating date, the control means 290 counts the dates to check the pre-approval updating date, and determines whether the pre-approval updating date has come using the counted date when the card-unique information is read out by the reading- out/recording means 210. When it is determined that the pre-approval updating date has come, the control means 290 reads out the new pre-approved amount of money stored in the storage means 220 to record the amount of money along with the current date in the credit card 100, while the control means 290 stores the new pre-approval information and the card-unique information of the relevant credit card 100 and then periodically or non-periodically transmits them to the pre-approval server 300.
  • control means 290 erases and initializes the pre-approved amount of money, the pre-approved date and the used amount of money stored in the credit card 100, and then records the new pre-approved amount of money and the new pre-approved date.
  • the control means 290 reads out the pre-approval information recorded in the credit card 100 through the reading-out/recording means 210 and compares the minimum amount of money with the pre-approved residual amount of money.
  • the control means 290 controls the reading- out/recording means 210 to record the newly pre-approved amount of money in the credit card 100 using the new pre-approval information stored in the storage means 290, and when the pre-approved residual amount of money is greater than or equal to the minimum amount of money, the control means 290 determines that the execution of the small sum transaction is possible.
  • the control means 290 determines that the execution of the small sum transaction is not possible.
  • control means 290 erases the previously pre-approved amount of money and the previously pre-approved date prior to updating the information recorded in the credit card 100 with the newly pre-approved amount of money.
  • the control means 290 determines whether the D/L information exists in the credit card 100 through the reading-out/recording means 210 or not. When the D/L information does not exist, the control means 290 determines whether the read-out card number exists in the D/L information of the storage means 220, and when the card number of the user exists in the D/L information, determines that the execution of the small sum transaction is not possible to display that the card cannot be used and to record the D/L information in the credit card 100. When the card number does not exist in the D/L information, the control means determines that the execution of the small sum transaction is possible.
  • the D/L information may include the information indicative of recording the D/L information in the credit card 100.
  • the control means 290 checks the information for determination of the D/L recording included in the D/L information. Therefore, when the D/L information includes the information of recording the D/L information, the control means 290 controls to record the D/L information in the credit card 100, so that the execution of the small sum transaction is not possible through other fee settlement terminals 200 as well as the current fee settlement terminal 200. When the D/L information does not include the information of recording the D/L information, the control means 290 controls to execute only the denial of transaction without recording the relevant D/L information in the relevant credit card 100.
  • the pre-approval server 300 comprises a database 310, a server communication means 320 and a server control means 330.
  • the database 310 memorizes the card number, the pre-approval number, the pre-approved amount of money and the pre-approval updating date in accordance with the control of the server control means 330, while memorizing the usage information including the pre-approved amount information updated and recorded in the credit card 100 in pre-approval.
  • the server communication means 320 supports reception/transmission of data with the fee settlement terminal 200 in an on-line mode, in accordance with the control of the server control means 330. Furthermore, the server control means 330 receives the information on the execution of the small sum transaction from the fee settlement terminal 200 through the communication means 320 and allows only the amount of money used by the user out of the pre-approved amount of money for each user to be accumulated and to be subjected to the post-payment. On the other hand, the server control means 330 determines whether the new pre-approval is available or not through inquiry of the usage limit of the relevant credit card 100, and when the new pre-approval is available, grants the new pre-approval number and stores the new pre-approved amount of money in correspondence to the new pre-approval number. A real transaction information generated after the new pre-approval is stored in correspondence to the newly pre- approval amount of money.
  • FIG. 3 are flowcharts illustrating a small sum transaction method through a pre-approval using a credit card in a fee settlement terminal according to the present invention, where Fig. 3 A is a flowchart for determining whether the small sum transaction is possible or not through a D/L inquiry and Fig. 3B is a flowchart for executing the small sum transaction depending upon necessity of a new pre-approval.
  • the small sum transaction method through a pre-approval using a pre-approval credit card system comprises: a step 100 SI 00 in which the fee settlement terminal 200 reads out the information of the credit card 100, inquires the D/L data on the basis of the read-out card-unique information, and determines whether a payment for the small sum transaction by means of the credit card is possible or not; a step 200 S200 of, when it is determined in the step 100 SI 00 that the payment for the small sum transaction by means of the credit card 100 is possible, determines whether the new pre-approval is necessary or not; a step 300 S300 of, when it is determined in the step 200 S200 that the new pre-approval is not necessary, controlling to execute the small sum transaction, subtracting the paid amount of money for the small sum transaction from the read-out pre-approved amount of money, then updating the amount of money to record the resultant amount of money in the credit card 100, and storing the small sum transaction information in correspondence to the relevant card-unique information in the storage means 2
  • the step 100 SI 00 comprises: a step 110 SI 10 of sensing the credit card 100; a step 120 SI 20 of, when the credit card 100 is sensed, reading out the card-unique information and the pre-approved amount information from the predetermined area of the credit card 100; a step 130 SI 30 of reading out the information recorded in the credit card 100 to determine whether the D/L information exists or not; and a step 160 SI 60 of, when it is determined in the step 130 SI 30 that the D/L information exists, determining that the payment for the small sum transaction by the card is not possible and outputting a message indicative of impossibility of the card usage on a screen.
  • the step 100 SI 00 further comprises a step 140 SI 40 of reading out the information recorded in the credit card 100 and when the D/L information is not recorded in the credit card 100, determining whether the relevant card number exists in the D/L data of the fee settlement terminal 200 or not, and a step 150 SI 50 of, when it is determined in the step 140 SI 40 that the card number exists in the D/L data, recording the relevant D/L information in the credit card 100.
  • the step 200 S200 is performed.
  • each piece of D/L information included in the D/L data of the fee settlement terminal 200 may include the information for determining whether the D/L information should be recorded in the credit card 100 or not.
  • a step in which the control means 290 checks whether the D/L information corresponding to the relevant card number includes the information for determining whether the D/L information should be recorded or not may be further comprised, and when the D/L information corresponding to the relevant card number includes the information for not recording the D/L information, only the small sum transaction is denied and the step 150 SI 50 can be omitted.
  • the step 120 SI 20 comprises, as shown in Fig.
  • the step 200 S200 comprises a step 210 S210 of, when it is determined in the step 100 SI 00 that the small sum transaction is possible, determining whether the new pre-approval is necessary or not, wherein it is determined whether the new pre-approval is necessary or not depending upon the advent of the pre-approval updating date; and a step 220 S220 of determining whether the new pre-approval is necessary or not through the comparison of the read-out pre-approved residual amount of money with the predetermined minimum amount of money.
  • the step 210 S210 is a step of comparing the date information counted in the fee settlement terminal 200 with the predetermined pre-approval updating date and granting the predetermined new pre- approved amount of money at the predetermined pre-approval updating date.
  • step 220 S220 is a step of, when the pre-approved residual amount of money is smaller than the minimum amount of money predetermined in the fee settlement terminal 200, executing the small sum transaction after the new pre-approval, and when the pre-approved residual amount of money is greater than or equal to the minimum amount of money, determining that the execution of the small sum transaction is possible without the new pre-approval procedure.
  • the step 300 S300 comprises: a step 310 S310 of, when it is determined in the step 220 S220 that the new pre-approval is not necessary, controlling to execute the small sum transaction; a step 320 S320 of subtracting the paid amount for the small sum transaction from the pre-approved amount of money read out from the credit card 100 and then updating the amount of money to record the resultant amount of money in the credit card 100; a step 330 S330 of recording the pre-approved amount of money subtracted depending upon the small sum transaction executed in the step 320 S320 along with the relevant card-unique information in the predetermined area of the storage means 220 within the fee settlement terminal; and a step 340 S340 of displaying the completion of the fee settlement on the screen.
  • the step 400 S400 comprises: a step 410 S410 of, when it is determined in the step 200 S200 that the new pre-approval is necessary, erasing the pre- approved amount of money and the pre-approved date recorded in the credit card 100; a step 420 S420 of controlling the reading-out/recording means 210 to read out the new pre-approval information stored in the storage means 220; a step 430 S430 of recording the newly pre-approved amount of money and the newly pre-approved date in the credit card 100 using the read-out new pre-approval information; and a step 440 S440 of going on to the step S300 of displaying the completion of the pre-approval update on the screen and then executing the small sum transaction.
  • Fig. 5 is a flowchart illustrating a method of settling the small sum transaction in the pre-approval server according to the present invention.
  • the method of settling the small sum transaction in the pre- approval server 300 comprises: a step 510 S510 of periodically or non-periodically receiving the card-unique information, the pre-approval information and the usage information due to the execution of the small sum transaction from the fee settlement terminal 200; a step 520 S520 of storing the card-unique information, the pre-approval information and the usage information received in the step 510 S510; a step 530 S530 of referring to the D/L database 340 for the new pre- approval information stored in the database 310 and determining whether the relevant card-unique information corresponds to the D/L information or not; a step 540 S540 of, when it is determined in the step 530 S530 that the relevant card-unique information does not correspond to the D/L information, determining whether the new pre-approval is available or not by comparing the usage-limit amount of money with the amount of money obtained by summing the pre-approved amount of money of the new pre- approval information received
  • the method further comprises a step in which the pre-approval server 300 determines whether the information corresponding to the execution of the small sum transaction, periodically or non-periodically transmitted from the fee settlement terminal 200, is included in the D/L data or not, and when the information is included in the D/L data, the pre-approval server 300 adds the unique information of the information recording medium of the user to the D/L data and periodically or non- periodically transmits the D/L data to the fee settlement terminal 200.
  • Fig. 6 is a flowchart illustrating the D/L information management method in the fee settlement terminal according to the present invention.
  • the D/L information management method comprises: a step 700 S700 of determining whether the predetermined time for downloading the D/L information has come or not; a step 710 S710 of, when it is determined in the step 700 S700 that the predetermined time has come, downloading the D/L information for a predetermined time from the pre-approval server 300; and a step 720 S720 of updating the D/L information previously stored through the step 710 S710 with the downloaded D/L information using the first-in first- out method.
  • the pre-approval particulars and the D/L data can be mutually exchanged therebetween.
  • the transaction particulars and the pre-approval particulars generated in the fee settlement terminals 200 are transmitted to the terminal computer 500 by means of the control of the terminal computer 500 and are also transmitted periodically or non-periodically from the terminal computer 500 to the pre-approval server 300.
  • the terminal computer 500 receives the D/L data transmitted from the pre-approval server to transmit the D/L data to the fee settlement terminals 200.
  • the small sum transaction system and method according to the present invention is adaptable to various micro payments such as a pubic phone, a transportation payment for public transportation means (for example, a bus, a subway, a taxi, etc.), a payment for a hotel, a payment for a gas station, a payment for a vending machine, a expressway toll, a parking fee.
  • the parking fee payment system and the expressway toll payment system in which the payment for the small sum transaction is not instantly performed and the paid amount of money can be found out in a predetermined time, other information for the payment should be recorded as well as the transaction amount of money as described above.
  • the information on the boarding/landing stations and the dates thereof is recorded in the credit card 100 and the transaction amount of money after the execution of the small sum transaction is further recorded.
  • the information on the parking start time and the parking finish time is recorded and the transaction amount of money after the execution of the small sum transaction is further recorded.
  • the information on the charging start point and the charging finish point is recorded and the transaction amount of money after the execution of the small sum transaction is further recorded.
  • the small sum transaction system and method through a pre-approval using an information recording medium since one or more small sum transactions are executed within a range of the pre-approved amount of money by granting the credit pre-approval to the information recording medium capable of performing a credit transaction in the off-line mode and it is determined whether the granted pre-approval information is approved or not through an approval procedure in a predetermined time to manage the possibility of transaction of the relevant information recording medium in the future by using the D/L information, it is possible to execute the small sum transaction within the usage limit of a user even in the off-line mode.
  • the present invention it is possible to allow the small sum transaction not to be executed by checking whether the card number information of the credit card is included in the D/L data of the fee settlement terminal, and in addition, it is possible to allow the credit card pre-approved by other fee settlement terminal not to be used by recording the D/L information in the credit card.
  • the present invention it is possible to allow a fee settlement terminal not having the D/L information to execute the small sum transaction by recording the D/L information in the credit card. In this case, it is possible not to enable the payment by use of the credit card in which the D/L information is recorded.
  • the present invention by periodically or non- periodically downloading the D/L information for checking the availability of the pre- approved credit card from the pre-approval server to manage the D/L information only for a predetermined time using a first-in first-out method, it is possible to remarkably reduce the capacity of the D/L data stored in the fee settlement terminal and thus to facilitate the management thereof.
  • the present invention by receiving the transaction particulars information and the new pre-approval information resulted from the execution of the small sum transaction in the fee settlement terminal from the pre- approval server, generating the D/L information to store the D/L information in a predetermined database and transmitting the D/L information to the fee settlement terminal, only the D/L information on the information recording medium substantially used in the fee settlement terminal out of the information recording mediums issued enormously can be generated and transmitted. Therefore, it is possible to remarkably reduce the amount of the D/L data.
  • the present invention by uploading the transaction particulars or the pre-approval particulars generated in the fee settlement terminal to the pre-approval server using a terminal computer capable of controlling a plurality of fee settlement terminals, it is possible to more easily manage the data generated in the fee settlement terminals.

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

SMALL SUM TRANSACTION SYSTEM AND METHOD THROUGH PRE- APPROVAL USING INFORMATION RECORDING MEDKJM
FIELD OF THE INVENTION The present invention relates, in general, to small sum transaction system and method through a pre-approval using an information recording medium, and, more specifically, to small sum transaction system and method through a pre-approval using an information recording medium, in which pre-approved amount of money is recorded in the information recording medium to allow a user to execute plural small sum transactions, so as to execute the small sum transaction within usage-limit amount of money of the user even in an off-line mode.
BACKGRUND OF THE INVENTION
In general, when people enjoy services or purchase articles, prices for the services or prices for purchasing the articles are paid using cash or a credit card.
The credit card includes a credit card by which the prices are paid after a transaction approval and a post-payment card by which the prices are paid without the transaction approval. The post-payment card is used mainly for paying the subway fee or the bus fee, and since terminals or terminal computers in a system using the post- payment card have all the B/L (black list), it is checked whether the information recorded in the post-payment card of a user exists in the B/L or not to perform the transaction approval.
However, since in the post-payment system, all the B/Ls are downloaded from a server to the terminals or the terminal computers, as the number of card companies and clients is increased, capacity of a B/L storage module in a terminal should be increased, so that cost for providing the module is increased. In addition, since all the B/Ls should be downloaded at a time, the time for the download is increased.
Further, when the small sum transaction is expanded to services except for the public transportation such as the subway or the bus in the future, a smooth small sum transaction cannot be executed only by use of the conventional system. Furthermore, since when the post-payment systems using the post-payment card such as vending machines as well as the transportation card systems are increased, the amount of money for each small sum transaction in each system is small but the sum thereof is increased, the credit card companies should take the transaction risk.
SUMMARY OF THE INVENTION
Therefore, the present invention is made in order to solve the aforementioned problems. It is an object of the present invention to provide small sum transaction system and method through a pre-approval using an information recording medium, in which the transaction risk can be minimized by allowing a user to execute the transactions only by the pre-approved amount of money within a usage-limit amount of money of the user even in an off-line mode unlike the post-payment card.
Further, it is another object of the present invention to provide small sum transaction system and method through a pre-approval using an information recording medium, in which a small sum transaction cannot be executed even when a fee settlement terminal has not a D/L information, by checking whether a unique information of the information recording medium is included in the D/L data of the fee settlement terminal or not, and when the unique information of the information recording medium exists in the D/L data, allowing the small sum transaction not to be paid and recording the D/L information in the information recording medium. Furthermore, it is another object of the present invention to small sum transaction system and method through a pre-approval using an information recording medium, in which capacity of D/L data stored in a fee settlement terminal can be remarkably decreased and management thereof can be facilitated, by downloading a D/L (Denied List) information for confirming whether the information recording medium can be used or not from a pre-approval server periodically or non-periodically and managing the D/L data only for a predetermined time using a first-in first-out method.
Furthermore, it is another object of the present invention to provide small sum transaction system and method through a pre-approval using an information recording medium, in which transaction particulars or pre-approval particulars in fee settlement terminals can be uploaded to a pre-approval server, using terminal computers capable of controlling a plurality of fee settlement terminals.
In order to accomplish the aforementioned objects, the present invention provides a small sum transaction system through a pre-approval using an information recording medium, with which one or more small sum transactions are executed within a range of pre-approved amount of money through a credit pre-approval, wherein when the small sum transaction is not available through the granted pre-approval, a new pre- approval is granted in an off-line mode without additional approval procedures to execute the small sum transaction through the new pre-approval, and wherein it is determined whether the granted new pre-approval information is approved or not through an approval procedure in a predetermined time interval to manage the possibility of transaction of the relevant information recording medium in the future by using a D/L information, thereby solving the aforementioned problems.
Further, in order to solve the aforementioned problems, the present invention provides a small sum transaction system through a pre-approval using an information recording medium, the system comprising: an information recording medium for recording a pre-approval information and a usage information; a fee settlement terminal for communicating with the information recording medium to read out information recorded in the information recording medium, checking whether the information read out from the information recording medium is included in a D/L data or not, determining, when the information read out from the information recording medium is not included in the D/L data, whether a new pre-approval is granted or not to execute a small sum transaction, and then storing transaction particulars or a new pre-approval information in an internal storage means and in the information recording medium; and a pre-approval server connected to the fee settlement terminal, for receiving and storing information corresponding to execution of the small sum transaction from the fee settlement terminal periodically or non-periodically, accumulating the amount of money spent for a predetermined time by the user out of pre-approved amount of money for each user to be subjected to post-payment, receiving the new pre-approval information and a unique information of the information recording medium from the fee settlement terminal to inquire the unique information of the relevant information recording medium and to determine whether the new pre-approval is available or not, granting, when the new pre-approval is available, a pre-approval number to a newly pre-approved amount of money to store the granted new pre-approval number and the pre-approved amount of money in a database in correspondence to the information of the relevant information recording medium, adding, when the new pre-approval is not available, the unique information of the relevant information recording medium to the D/L data, and then transmitting the D/L data to the fee settlement terminal periodically or non- periodically.
Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein the D/L information is additionally recorded in the information recording medium. Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein the pre-approval server transmits the D/L data to the fee settlement terminal using a wireless mode or a wire mode. Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein an additional terminal computer is provided between the pre-approval server and the fee settlement terminal, and wherein the terminal computer controls a plurality of fee settlement terminals to transmit the transaction particulars or the pre-approval particulars generated in the fee settlement terminal to the pre-approval server and to transmit the D/L data of the pre-approval server to the fee settlement terminals.
Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein the fee settlement terminal further comprises a D/L management means for periodically or non-periodically downloading the D/L data from the pre-approval server and erasing and updating the D/L data using a first-in first- out method.
Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein when a new pre-approval is granted because a predetermined pre-approval updating date has come, the fee settlement terminal initializes a pre-approved residual amount of money, a pre-approved date and a transaction particulars information recorded in the information recording medium and then records a new pre-approved amount of money and a new pre-approved date in the information recording medium. Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction system through a pre-approval using an information recording medium, wherein when a new pre-approval is granted because a pre-approved residual amount of money is smaller than a predetermined minimum pre- approved residual amount of money, the fee settlement terminal updates the pre- approved amount of money and the pre-approved date to record a newly pre-approved amount of money and a newly pre-approved date in the information recording medium.
Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction system through a pre-approval using an information recording medium, the fee settlement terminal comprising: a reading- out/recording means for reading out a predetermined information from the information recording medium or recording a predetermined information in the information recording medium; a storage means for memorizing the predetermined information read out by the reading-out/recording means, a small sum transaction information or new pre-approval information resulted from execution of the small sum transaction and a D/L information; a security access module for supplying a security information in an off-line mode so as to read out the predetermined information recorded in the information recording medium; a communication means for supporting transmission/reception of data with the pre-approval server; and a control means for reading out a predetermined unique information and a pre-approval information from the information recording medium through the reading-out/recording means to determine whether the small sum transaction is allowable or not, allowing the small sum transaction to be executed when it is determined that the small sum transaction is available, and when it is determined that the small sum transaction is not available, updating the pre-approval information to record a predetermined new pre-approval information in the information recording medium through the reading-out/recording means and storing the small sum transaction information or the new pre-approval information resulted from the execution of small sum transaction along with the information of the relevant information recording medium in the storage means.
Furthermore, in order to accomplish the aforementioned objects, the present invention provides a small sum transaction method through a pre-approval using an information recording medium, with which one or more small sum transactions are executed within a range of pre-approved amount of money through a credit pre- approval, wherein when the small sum transaction is not available through the granted pre-approval, a new pre-approval is granted in an off-line mode without an additional approval procedure to execute the small sum transaction through the new pre-approval and it is determined whether the granted new pre-approval information is approved or not through an approval procedure in a predetermined time to manage the possibility of transaction of the relevant information recording medium in the future by using a D/L information, thereby solving the aforementioned problems. Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction method through a pre-approval using an information recording medium, the method comprising: a step 100 in which a fee settlement terminal reads out information of the information recording medium, inquires a D/L data on the basis of a unique information of the information recording medium read out, and determines whether a payment for the small sum transaction by means of the information recording medium is possible or not; a step 200 of, when it is determined in the step 100 that the payment for the small sum transaction by means of the information recording medium is possible, determines whether a new pre-approval is necessary or not; a step 300 of, when it is determined in the step 200 that the new pre- approval is not necessary, controlling to execute the small sum transaction, subtracting a payment amount of money for the small sum transaction from the read-out pre- approved amount of money, then updating the amount of money to record the resultant amount of money in the information recording medium, and storing the small sum transaction information in correspondence to a relevant unique number in a storage means; a step 400 of, when it is determined in the step 200 that the new pre-approval is necessary, updating the pre-approval information to record a predetermined new pre- approval information in the information recording medium, and storing the predetermined new pre-approval information in correspondence to the relevant unique number in the storage means; and a step 500 of periodically or non-periodically transmitting the unique information, the pre-approval information and a transaction particulars information stored in the storage means to the pre-approval server.
Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction method through a pre-approval using an information recording medium, further comprising a step 600 of receiving the new pre- approval information and the unique information of the information recording medium from the fee settlement terminal to inquire the unique information of the relevant information recording medium and when the new pre-approval is not available, adding the unique information of the relevant information recording medium to the D/L data and periodically or non-periodically transmitting the D/L data to the fee settlement terminal. Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction method through a pre-approval using an information recording medium, further comprising a step of determining whether the information resulted from execution of the small sum transaction, periodically or non- periodically transmitted from the fee settlement terminal, is included in the D/L data or not, and when it is determined that the information is included in the D/L data, adding the unique information of the information recording medium of a user to the D/L data and periodically or non-periodically the D/L data to the fee settlement terminal.
Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction method through a pre-approval using an information recording medium, wherein in the step 200, when the new pre-approval is granted because a pre-approval updating date predetermined in the fee settlement terminal has come, the pre-approved amount of money, the pre-approved date and the transaction particulars information recorded in the information recording medium are initialized and then a newly pre-approved amount of money and a newly pre-approved date are recorded in the information recording medium. Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction method through a pre-approval using an information recording medium, wherein in the step 200, when the new pre-approval is granted because a pre-approved residual amount of money read out from the information recording medium is smaller than a predetermined minimum pre-approved residual amount of money predetermined in the fee settlement terminal, the pre- approved amount of money and the pre-approved date is updated to record a newly pre- approved amount of money and a newly pre-approved date in the information recording medium.
Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction method through a pre-approval using an information recording medium, wherein the step 100 further comprises a step in which the fee settlement terminal checks whether a D/L information exists in the information of the information recording medium read out from the information recording medium or not to determine whether the transaction by means of the information recording medium is possible or not, the method further comprising a step in which when the D/L information is not recorded in the information recording medium, it is determined whether the unique information of the information recording medium read out from the information recording medium exists in the D/L data stored in an internal storage means of the fee settlement terminal or not, and when it is determined that the unique information of the information recording medium exists in the D/L data, the D/L information is recorded in the information recording medium and the transaction is stopped.
Furthermore, in order to solve the aforementioned problems, the present invention provides a small sum transaction method through a pre-approval using an information recording medium, further comprising a step in which the fee settlement terminal periodically or non-periodically downloads the D/L information from the pre- approval server and erases and updates the D/L information using a first-in first-out method.
BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, advantages and features of the present invention will become apparent from the following description of preferred embodiments taken in conjunction with the accompanying drawings, in which:
Fig. 1 is a block diagram schematically illustrating a small sum transaction system through a pre-approval using an information recording medium according to the present invention;
Fig. 2 is a block diagram illustrating in detail the small sum transaction system through a pre-approval using an information recording medium according to the present invention;
Fig. 3 is flowcharts illustrating a small sum transaction method through a pre- approval using an information recording medium in a fee settlement terminal according to the present invention, where Fig. 3A is a flowchart for determining whether the small sum transaction is possible or not through a D/L inquiry and Fig. 3B is a flowchart for executing the small sum transaction depending upon necessity of a new pre-approval;
Fig. 4 is a flowchart illustrating steps which is performed depending upon whether the information recording medium adapted in Fig. 3 is read out or not; Fig. 5 is a flowchart illustrating the small sum transaction method through a pre-approval using an information recording medium in a pre-approval server according to the present invention; and
Fig. 6 is a flowchart illustrating a method of managing a D/L information in a fee settlement terminal according to the present invention.
DETAILED DESCRIPTION OF THE INVENTION Now, constructions according to respective embodiments of the present invention will be described in detail with reference to the accompanying drawings.
Prior to detailed description of the present invention, several terminologies used in the present invention will be described. A D/L information means one piece of D/L information recorded in an information recording medium, and a D/L data means a D/L information group including at least one piece of D/L information.
In the present invention, the information recording medium is, as an information recording medium having a function as a credit card for enabling at least a credit transaction, any medium only if a predetermined information is recorded and stored by communicating with the fee settlement terminal 200 in a contact type or a non-contact type and the stored information is read out, and the information recording medium in the present invention is not specifically limited but may be a credit card such as a contact/non-contact type IC card or a contact/non-contact type IC medium provided in a mobile communication terminal such as a PDA or a mobile phone, or the like.
Unlike the conventional art, in the present invention, when the small sum transaction is not available through the granted pre-approval, a new pre-approval is granted in an off-line mode without additional approval procedures to execute the small sum transaction through the new pre-approval, and it is determined whether the granted new pre-approval information is approved or not through an approval procedure in a predetermined time to manage the possibility of transaction of the relevant information recording medium in the future by using the D/L information. The approval procedure in the predetermined time is performed by a pre-approval server to which the present invention is adapted.
Now, small sum transaction system and method through a pre-approval using a non-contact type credit card according to an embodiment of the present invention will be described.
Fig. 1 is a block diagram schematically illustrating the small sum transaction system through a pre-approval using a credit card according to the present invention.
As shown in Fig. 1, a fee settlement system using the pre-approved credit card according to the present invention comprises a credit card 100, fee settlement terminals 200, a pre-approval server 300, a communication network 400 and a terminal computer 500.
A unique information of the credit card, a pre-approval information, a usage information, a D/L (Denied List) information, etc. for a credit transaction are recorded in a predetermined area of the credit card 100. The card-unique information includes at least the card number, the pre-approval information includes a pre-approved amount of money, a pre-approved date, a number of pre-approval times, etc, and the usage information includes a one-time usage amount, an accumulated usage amount in a predetermined time, a pre-approved residual amount, etc. The usage information may further include a boarding/landing information and a date information for settling the fee when the credit card 100 is a transportation card for use in boarding and landing a subway.
Further, the fee settlement terminals 200 read out the information recorded in the credit card 100 to determine whether the D/L information is recorded or not, and when the D/L information is recorded in the credit card 100, display the impossibility of the card usage in a display means 250 and deny the transaction. When the D/L information is not recorded in the credit card 100, the fee settlement terminals 200 determines whether the card-unique information read out from the credit card exists in the D/L data stored in advance in the fee settlement terminals 200 or not, and when the card-unique information exists in the D/L data, record the D/L information in the credit card 100. When the card-unique information does not exist in the D/L data, the fee settlement terminals 200 determines whether a new pre-approval is necessary or not to execute the small sum transaction depending out the determination, and settle the transaction particulars to store the transaction particulars or the new pre-approval information in a storage means 220 described later and to record them in the credit card. Here, a reference for determining whether a new pre-approval is necessary or not is a minimum amount of money to be compared with the pre-approved residual amount of money or an updating date, and details thereof will be described later.
The D/L data is periodically or non-periodically downloaded from the pre- approval server 300 and is erased and updated using a first-in first-out method. Here, each piece of D/L information may include the information for determining whether the D/L information is recorded in the credit card 100 or not. In this case, even if the card number read out from the credit card 100 exists in the D/L data, only the transaction may be denied and the D/L information may not be recorded in the relevant credit card 100. How to generate the information for determining whether the D/L information is recorded or not will be described later.
When it is determined that the execution of the small sum transaction is possible through inquiry of the D/L information, the fee settlement terminals 200 determine whether a new pre-approval is granted or not. When the new pre-approval is not granted, the fee settlement terminals 200 subtract the paying amount of money for the small sum transaction due to the execution of the small sum transaction from the pre-approved amount of money read out from the credit card 100 to update the amount of money and a new amount of money in the credit card 100, and when the new pre- approval is granted, the fee settlement terminals 200 update the pre-approval information and record the new pre-approval information in the credit card 100 and then allow the execution of the small sum transaction. At that time, the information on the execution of the small sum transaction or the new pre-approval information generated is stored in the storage means 200 to be described later along with the relevant card- unique information and then is periodically or non-periodically transmitted to the pre- approval server 300.
When the new pre-approval is granted, the fee settlement terminals 200 erase and initialize the pre-approved residual amount of money recorded in the credit card 100, and then record the newly pre-approved amount of money.
Here, the determination of whether the new pre-approval is granted or not in the fee settlement terminals 200 is performed by comparing the pre-approved residual amount of money read out from the credit card 100 with a predetermined minimum amount of money for a small sum transaction set up every fee settlement terminal 200. That is, when the pre-approved residual amount of money is greater than or equal to the minimum amount of money, it is determined that the new pre-approval is not necessary, and when the pre-approved residual amount of money is smaller than the minimum amount of money, it is determined that the new pre-approval is necessary. Further, the determination of whether the new pre-approval is granted or not in the fee settlement terminals 200 is performed depending upon advent of the pre- approval updating date. In this case, the fee settlement terminals 200 counts the date to check the pre-approval updating date, determine whether the pre-approval updating date has come or not using the counted date, and when it is determined that the pre- approval updating date has come, determine that the new pre-approval is necessary, to record the new pre-approval information stored in advance into the credit card 100.
Here, the new pre-approval information includes at least the newly pre- approved amount of money and the newly pre-approved date information, and may further include the number information of the pre-approvals.
Since the pre-approval server 300 is connected to the fee settlement terminals 200, the pre-approval server 300 periodically or non-periodically receives the information resulted from the execution of the small sum transaction from the fee settlement terminals 200 and allows only the amount of money used by the user out of the pre-approved amount of money for each user to be accumulated and to be subjected to the post-payment, while the pre-approval server 300 receives the new pre-approval information and the card-unique information from the fee settlement terminals 200 and inquires the relevant card-unique information to determine whether the new pre- approval is available. When the new pre-approval is available, the pre-approval server 300 grants the pre-approval number to the new pre-approved amount of money to store the granted new pre-approval number and the pre-approved amount of money in a database 310 in correspondence to the card-unique information, and when the new pre- approval is available, the pre-approval server 300 adds the card-unique information of the relevant credit card 100 to the D/L data of a D/L database 340 and periodically or non-periodically transmits the D/L data to the fee settlement terminals 200.
Furthermore, the pre-approval server 300 determines whether the card-unique information of the user included in the information resulted from the execution of the small sum transaction, periodically or non-periodically transmitted from the fee settlement terminals 200, is included in the D/L data, and when the card-unique information is included in the D/L data, the pre-approval server 300 adds the card- unique information of the user to the D/L data of the D/L database 340 and periodically or non-periodically the D/L data to the fee settlement terminals 200. Here, each piece of D/L information constituting the D/L data may include the information for determining whether the D/L information should be recorded in the credit card 100 requesting the small sum transaction. The information for determining whether the D/L information should be recorded in the credit card 100 is generated in accordance with the causes to be a D/L target such as robbery, loss, person in arrear, excess of usage limit, other credit risks, etc in generating the D/L information, is included in the D/L information and is downloaded into the fee settlement terminals 200.
The terminal computer 500 is connected to the plurality of fee settlement terminals 200 and is connected to the pre-approval server 300 through the communication network 400, controls the plurality of fee settlement terminals 200 to transmit the transaction particulars and the pre-approval particulars generated in the fee settlement terminals 200 to the pre-approval server 300, while transmitting the D/L data of the pre-approval server 300 to the fee settlement terminals 200.
Fig. 2 is a block diagram illustrating in detail the small sum transaction system through a pre-approval using a credit card according to the present invention. As shown in Fig. 2, the fee settlement terminal 200 according to the present invention comprises a reading-out/recording means 210, a storage means 220, a security access module 230, a key input means 240, a display means 250, a communication means 260, an output means 270, an alarm generating means 280, a D/L (Denied List) management means 285 and a control means 290. Here, when the reading-out/recording means 210 senses the credit card 100 in a contact or non-contact mode, the reading-out/recording means 210 reads out the information recorded in a predetermined area of the credit card 100 or on the contrary, records the information in a predetermined area of the credit card 100, in accordance with control of the control means 290.
Further, the storage means 220 memorizes the information read out from the credit card 300 by the reading-out/recording means 210 or the information transmitted from the pre-approval server 300, in accordance with the control of the control means 290. More specifically, the storage means 220 memorizes the pre-approval updating date or the minimum amount of money for determining whether the new pre-approval is available or not, as well as the D/L information, while memorizing the usage information (when the credit card is a transportation card used for a subway, the boarding/landing information, date and amount of money) updated and recorded in the credit card 100 in execution of the small sum transaction and the new pre-approval information along with the card-unique information.
Furthermore, the security access module 230 supplies a security information in the off-line mode so as to read out the predetermined information recorded in the credit card 100, in accordance with the control of the control means 290.
Furthermore, the key input means 240 comprises a plurality of keys for inputting the information by a user for enjoying various services supplied from the pre- approval server 300. Furthermore, the display means 250 displays the service information on the key input state of the key input means 240 and the operation state of the fee settlement terminal 200, in accordance with the control of the control means 290.
Furthermore, the communication means 260 supports the reception/transmission of data with the pre-approval server 300 in the off-line mode, in accordance with the control of the control means 290.
Furthermore, the output means 270 operates in accordance with the control of the control means 290 to issue a receipt for the execution or non-execution of the pre- approval update.
Furthermore, the alarm generating means 280 operates in accordance with the control of the control means 290 to display the abnormal condition of the fee settlement terminal.
Furthermore, the D/L management means 285 operates in accordance with the control of the control means 290 to download the D/L information for a predetermined time from the pre-approval server 300 and to update the D/L information stored in the storage means 220 of the fee settlement terminal 200 using the first-in first-out method. That is, the D/L management means 285 stores the D/L data for the predetermined time in the storage means 220. For example, supposed that the D/L data for 30 days are retained, it means that the storage means 220 retains the D/L information for the latest 30 days, and the D/L data is erased in the first-in first-out method by dates of the D/L information downloaded from the pre-approval server 300. The control means 290 reads out the card-unique information from the credit card 100 through the reading-out/recording means 210 and inquires the D/L data using the card-unique information with reference to the storage means 220 to determine whether the small sum transaction is possible or not. When the small sum transaction is possible, the control means 290 determines whether the new pre-approval is necessary or not by use of the pre-approval updating date or the minimum amount of money stored in the storage means, and when it is determined that the new pre-approval is not necessary, the control means 290 subtracts the paying amount for the small sum transaction due to the execution of the small sum transaction from the read-out pre- approved residual amount of money and updates the pre-approved residual amount of money to record the resultant amount of money through the reading-out/recording means 210. When it is determined that the new pre-approval is necessary, the control means 290 grants the new pre-approval to record the new pre-approval information in the credit card 100 and then to allow the small sum transaction to be executed.
In determination of grant of the new pre-approval using the pre-approval updating date, the control means 290 counts the dates to check the pre-approval updating date, and determines whether the pre-approval updating date has come using the counted date when the card-unique information is read out by the reading- out/recording means 210. When it is determined that the pre-approval updating date has come, the control means 290 reads out the new pre-approved amount of money stored in the storage means 220 to record the amount of money along with the current date in the credit card 100, while the control means 290 stores the new pre-approval information and the card-unique information of the relevant credit card 100 and then periodically or non-periodically transmits them to the pre-approval server 300.
At that time, the control means 290 erases and initializes the pre-approved amount of money, the pre-approved date and the used amount of money stored in the credit card 100, and then records the new pre-approved amount of money and the new pre-approved date.
On the other hand, in determination of grant of the new pre-approval using the minimum amount of money, the control means 290 reads out the pre-approval information recorded in the credit card 100 through the reading-out/recording means 210 and compares the minimum amount of money with the pre-approved residual amount of money. When the pre-approved residual amount of money is smaller than the minimum amount of money, the control means 290 controls the reading- out/recording means 210 to record the newly pre-approved amount of money in the credit card 100 using the new pre-approval information stored in the storage means 290, and when the pre-approved residual amount of money is greater than or equal to the minimum amount of money, the control means 290 determines that the execution of the small sum transaction is possible. When the pre-approved residual amount of money is smaller than the minimum amount for the small sum transaction, the control means 290 determines that the execution of the small sum transaction is not possible.
At that time, the control means 290 erases the previously pre-approved amount of money and the previously pre-approved date prior to updating the information recorded in the credit card 100 with the newly pre-approved amount of money.
When the user requests the small sum transaction, the control means 290 determines whether the D/L information exists in the credit card 100 through the reading-out/recording means 210 or not. When the D/L information does not exist, the control means 290 determines whether the read-out card number exists in the D/L information of the storage means 220, and when the card number of the user exists in the D/L information, determines that the execution of the small sum transaction is not possible to display that the card cannot be used and to record the D/L information in the credit card 100. When the card number does not exist in the D/L information, the control means determines that the execution of the small sum transaction is possible. Here, the D/L information may include the information indicative of recording the D/L information in the credit card 100. In this case, the control means 290 checks the information for determination of the D/L recording included in the D/L information. Therefore, when the D/L information includes the information of recording the D/L information, the control means 290 controls to record the D/L information in the credit card 100, so that the execution of the small sum transaction is not possible through other fee settlement terminals 200 as well as the current fee settlement terminal 200. When the D/L information does not include the information of recording the D/L information, the control means 290 controls to execute only the denial of transaction without recording the relevant D/L information in the relevant credit card 100.
On the other hand, as shown in Fig. 2, the pre-approval server 300 comprises a database 310, a server communication means 320 and a server control means 330.
Here, the database 310 memorizes the card number, the pre-approval number, the pre-approved amount of money and the pre-approval updating date in accordance with the control of the server control means 330, while memorizing the usage information including the pre-approved amount information updated and recorded in the credit card 100 in pre-approval.
Further, the server communication means 320 supports reception/transmission of data with the fee settlement terminal 200 in an on-line mode, in accordance with the control of the server control means 330. Furthermore, the server control means 330 receives the information on the execution of the small sum transaction from the fee settlement terminal 200 through the communication means 320 and allows only the amount of money used by the user out of the pre-approved amount of money for each user to be accumulated and to be subjected to the post-payment. On the other hand, the server control means 330 determines whether the new pre-approval is available or not through inquiry of the usage limit of the relevant credit card 100, and when the new pre-approval is available, grants the new pre-approval number and stores the new pre-approved amount of money in correspondence to the new pre-approval number. A real transaction information generated after the new pre-approval is stored in correspondence to the newly pre- approval amount of money.
On the other hand, Fig. 3 are flowcharts illustrating a small sum transaction method through a pre-approval using a credit card in a fee settlement terminal according to the present invention, where Fig. 3 A is a flowchart for determining whether the small sum transaction is possible or not through a D/L inquiry and Fig. 3B is a flowchart for executing the small sum transaction depending upon necessity of a new pre-approval.
As shown in Fig. 3, the small sum transaction method through a pre-approval using a pre-approval credit card system comprises: a step 100 SI 00 in which the fee settlement terminal 200 reads out the information of the credit card 100, inquires the D/L data on the basis of the read-out card-unique information, and determines whether a payment for the small sum transaction by means of the credit card is possible or not; a step 200 S200 of, when it is determined in the step 100 SI 00 that the payment for the small sum transaction by means of the credit card 100 is possible, determines whether the new pre-approval is necessary or not; a step 300 S300 of, when it is determined in the step 200 S200 that the new pre-approval is not necessary, controlling to execute the small sum transaction, subtracting the paid amount of money for the small sum transaction from the read-out pre-approved amount of money, then updating the amount of money to record the resultant amount of money in the credit card 100, and storing the small sum transaction information in correspondence to the relevant card-unique information in the storage means 220; a step 400 S400 of, when it is determined in the step 200 S200 that the new pre-approval is necessary, updating the pre-approved amount of money to record the predetermined new pre-approved amount of money in the credit card 100 and storing the predetermined new pre-approved amount of money in correspondence to the relevant card-unique information in the storage means; and a step 500 S500 of periodically or non-periodically transmitting the card-unique information, the pre-approval information and the transaction particulars information stored in the storage means 220 to the pre-approval server 300.
Here, the step 100 SI 00 comprises: a step 110 SI 10 of sensing the credit card 100; a step 120 SI 20 of, when the credit card 100 is sensed, reading out the card-unique information and the pre-approved amount information from the predetermined area of the credit card 100; a step 130 SI 30 of reading out the information recorded in the credit card 100 to determine whether the D/L information exists or not; and a step 160 SI 60 of, when it is determined in the step 130 SI 30 that the D/L information exists, determining that the payment for the small sum transaction by the card is not possible and outputting a message indicative of impossibility of the card usage on a screen.
On the other hand, the step 100 SI 00 further comprises a step 140 SI 40 of reading out the information recorded in the credit card 100 and when the D/L information is not recorded in the credit card 100, determining whether the relevant card number exists in the D/L data of the fee settlement terminal 200 or not, and a step 150 SI 50 of, when it is determined in the step 140 SI 40 that the card number exists in the D/L data, recording the relevant D/L information in the credit card 100. When the card number does not exist in the D/L data in the step 140 S140, the step 200 S200 is performed.
Here, each piece of D/L information included in the D/L data of the fee settlement terminal 200 may include the information for determining whether the D/L information should be recorded in the credit card 100 or not. In this case, a step in which the control means 290 checks whether the D/L information corresponding to the relevant card number includes the information for determining whether the D/L information should be recorded or not may be further comprised, and when the D/L information corresponding to the relevant card number includes the information for not recording the D/L information, only the small sum transaction is denied and the step 150 SI 50 can be omitted. Furthermore, the step 120 SI 20 comprises, as shown in Fig. 4, a step 121 S121 of receiving the security information on the basis of the read-out card number; a step 122 SI 22 of analyzing the read-out pre-approved amount information using the security information; a step 123 SI 23 of, when it cannot be analyzed in the step 122 S122, determining that the payment for the small sum transaction by the credit card is not possible and going on to the step 160 SI 60; and a step 124 SI 24 of, when it can be analyzed in the step 122 SI 22, determining that the payment for the small sum transaction by the credit card is possible and going on to the step 130 Si 30.
Furthermore, the step 200 S200 comprises a step 210 S210 of, when it is determined in the step 100 SI 00 that the small sum transaction is possible, determining whether the new pre-approval is necessary or not, wherein it is determined whether the new pre-approval is necessary or not depending upon the advent of the pre-approval updating date; and a step 220 S220 of determining whether the new pre-approval is necessary or not through the comparison of the read-out pre-approved residual amount of money with the predetermined minimum amount of money. The step 210 S210 is a step of comparing the date information counted in the fee settlement terminal 200 with the predetermined pre-approval updating date and granting the predetermined new pre- approved amount of money at the predetermined pre-approval updating date. Furthermore, the step 220 S220 is a step of, when the pre-approved residual amount of money is smaller than the minimum amount of money predetermined in the fee settlement terminal 200, executing the small sum transaction after the new pre-approval, and when the pre-approved residual amount of money is greater than or equal to the minimum amount of money, determining that the execution of the small sum transaction is possible without the new pre-approval procedure.
Furthermore, the step 300 S300 comprises: a step 310 S310 of, when it is determined in the step 220 S220 that the new pre-approval is not necessary, controlling to execute the small sum transaction; a step 320 S320 of subtracting the paid amount for the small sum transaction from the pre-approved amount of money read out from the credit card 100 and then updating the amount of money to record the resultant amount of money in the credit card 100; a step 330 S330 of recording the pre-approved amount of money subtracted depending upon the small sum transaction executed in the step 320 S320 along with the relevant card-unique information in the predetermined area of the storage means 220 within the fee settlement terminal; and a step 340 S340 of displaying the completion of the fee settlement on the screen.
Furthermore, the step 400 S400 comprises: a step 410 S410 of, when it is determined in the step 200 S200 that the new pre-approval is necessary, erasing the pre- approved amount of money and the pre-approved date recorded in the credit card 100; a step 420 S420 of controlling the reading-out/recording means 210 to read out the new pre-approval information stored in the storage means 220; a step 430 S430 of recording the newly pre-approved amount of money and the newly pre-approved date in the credit card 100 using the read-out new pre-approval information; and a step 440 S440 of going on to the step S300 of displaying the completion of the pre-approval update on the screen and then executing the small sum transaction.
Fig. 5 is a flowchart illustrating a method of settling the small sum transaction in the pre-approval server according to the present invention.
As shown in Fig. 5, the method of settling the small sum transaction in the pre- approval server 300 according to the present invention comprises: a step 510 S510 of periodically or non-periodically receiving the card-unique information, the pre-approval information and the usage information due to the execution of the small sum transaction from the fee settlement terminal 200; a step 520 S520 of storing the card-unique information, the pre-approval information and the usage information received in the step 510 S510; a step 530 S530 of referring to the D/L database 340 for the new pre- approval information stored in the database 310 and determining whether the relevant card-unique information corresponds to the D/L information or not; a step 540 S540 of, when it is determined in the step 530 S530 that the relevant card-unique information does not correspond to the D/L information, determining whether the new pre-approval is available or not by comparing the usage-limit amount of money with the amount of money obtained by summing the pre-approved amount of money of the new pre- approval information received in the step 510 S510 and the total amount of money used by the relevant user within a time period for checking the usage limit; a step 550 S550 of, when it is determined in the step 540 S540 that the new pre-approved is available, granting the pre-approval number to the newly pre-approved amount of money to perform the new pre-approval; a step 560 S560 of storing the new pre-approval information in the step 550 S550 in the database 310 in correspondence to the card- unique information of the relevant credit card 100; a step 570 S570 of, when it is determined in the step 540 S540 that the new pre-approval is not available, adding the card-unique information of the relevant credit card 100 to the D/L data of the D/L database 340; a step 580 S580 of not allowing the new pre-approval and periodically or non-periodically transmitting the new pre-approval information added to the D/L data in the step 570 S570 to the fee settlement terminal 200; and a step 590 S590 of accumulating only the amount of money used by the user for a predetermined time out of the pre-approved amount of money for each user with reference to the database 340 in the step 520 S520 to be subjected to the post-payment. Furthermore, the method further comprises a step in which the pre-approval server 300 determines whether the information corresponding to the execution of the small sum transaction, periodically or non-periodically transmitted from the fee settlement terminal 200, is included in the D/L data or not, and when the information is included in the D/L data, the pre-approval server 300 adds the unique information of the information recording medium of the user to the D/L data and periodically or non- periodically transmits the D/L data to the fee settlement terminal 200.
Fig. 6 is a flowchart illustrating the D/L information management method in the fee settlement terminal according to the present invention.
As shown in Fig. 6, in the fee settlement terminal, the D/L information management method comprises: a step 700 S700 of determining whether the predetermined time for downloading the D/L information has come or not; a step 710 S710 of, when it is determined in the step 700 S700 that the predetermined time has come, downloading the D/L information for a predetermined time from the pre-approval server 300; and a step 720 S720 of updating the D/L information previously stored through the step 710 S710 with the downloaded D/L information using the first-in first- out method.
In the above embodiment, it has been mainly described that a data communication is performed between the fee settlement terminals 200 and the pre- approval server 300 and the transaction particulars, the pre-approval particulars and the D/L data can be mutually exchanged therebetween. However, in another embodiment of the present invention, since the plurality of fee settlement terminals 200 are connected to the terminal computer 500 and the terminal computer 500 is connected to the pre-approval server 300 through the communication network 400, the transaction particulars and the pre-approval particulars generated in the fee settlement terminals 200 are transmitted to the terminal computer 500 by means of the control of the terminal computer 500 and are also transmitted periodically or non-periodically from the terminal computer 500 to the pre-approval server 300. On the other hand, the terminal computer 500 receives the D/L data transmitted from the pre-approval server to transmit the D/L data to the fee settlement terminals 200.
The small sum transaction system and method according to the present invention is adaptable to various micro payments such as a pubic phone, a transportation payment for public transportation means (for example, a bus, a subway, a taxi, etc.), a payment for a hotel, a payment for a gas station, a payment for a vending machine, a expressway toll, a parking fee.
In order to execute the small sum transaction using the credit card 100 to which the present invention applies in the subway fee payment system, the parking fee payment system and the expressway toll payment system in which the payment for the small sum transaction is not instantly performed and the paid amount of money can be found out in a predetermined time, other information for the payment should be recorded as well as the transaction amount of money as described above.
For example, in a case of the subway fee payment system, as described above, the information on the boarding/landing stations and the dates thereof is recorded in the credit card 100 and the transaction amount of money after the execution of the small sum transaction is further recorded. In a case of the parking fee payment system, the information on the parking start time and the parking finish time is recorded and the transaction amount of money after the execution of the small sum transaction is further recorded. In a case of the expressway toll payment system, the information on the charging start point and the charging finish point is recorded and the transaction amount of money after the execution of the small sum transaction is further recorded.
The present invention is not limited to the embodiments described above, but a skilled in the art may make various changes and modifications to the embodiments. Therefore, these variations and modifications are included within a scope and a spirit of the present invention defined by the appended claims.
INDUSTRIAL AVAILABILITY
As described above, according to the small sum transaction system and method through a pre-approval using an information recording medium according to the present invention, since one or more small sum transactions are executed within a range of the pre-approved amount of money by granting the credit pre-approval to the information recording medium capable of performing a credit transaction in the off-line mode and it is determined whether the granted pre-approval information is approved or not through an approval procedure in a predetermined time to manage the possibility of transaction of the relevant information recording medium in the future by using the D/L information, it is possible to execute the small sum transaction within the usage limit of a user even in the off-line mode.
Further, according to the present invention, it is possible to allow the small sum transaction not to be executed by checking whether the card number information of the credit card is included in the D/L data of the fee settlement terminal, and in addition, it is possible to allow the credit card pre-approved by other fee settlement terminal not to be used by recording the D/L information in the credit card.
Furthermore, according to the present invention, it is possible to allow a fee settlement terminal not having the D/L information to execute the small sum transaction by recording the D/L information in the credit card. In this case, it is possible not to enable the payment by use of the credit card in which the D/L information is recorded.
Furthermore, according to the present invention, by periodically or non- periodically downloading the D/L information for checking the availability of the pre- approved credit card from the pre-approval server to manage the D/L information only for a predetermined time using a first-in first-out method, it is possible to remarkably reduce the capacity of the D/L data stored in the fee settlement terminal and thus to facilitate the management thereof.
Furthermore, according to the present invention, by receiving the transaction particulars information and the new pre-approval information resulted from the execution of the small sum transaction in the fee settlement terminal from the pre- approval server, generating the D/L information to store the D/L information in a predetermined database and transmitting the D/L information to the fee settlement terminal, only the D/L information on the information recording medium substantially used in the fee settlement terminal out of the information recording mediums issued enormously can be generated and transmitted. Therefore, it is possible to remarkably reduce the amount of the D/L data. Furthermore, according to the present invention, by uploading the transaction particulars or the pre-approval particulars generated in the fee settlement terminal to the pre-approval server using a terminal computer capable of controlling a plurality of fee settlement terminals, it is possible to more easily manage the data generated in the fee settlement terminals.

Claims

WHAT IS CLAIMED IS
1. A small sum transaction system through a pre-approval using an information recording medium, with which one or more small sum transactions are executed within a range of pre-approved amount of money through a credit pre-approval, the system comprising: an information recording medium for recording a pre-approval information and a usage information; a fee settlement terminal for communicating with the information recording medium to read out information recorded in the information recording medium, checking whether the information read out from the information recording medium is included in a D/L data or not, determining, when the information read out from the information recording medium is not included in the D/L data, whether a new pre- approval is granted or not to execute a small sum transaction, and then storing transaction particulars or a new pre-approval information in an internal storage means thereof and in the information recording medium; and a pre-approval server connected to the fee settlement terminal, for receiving and storing information corresponding to execution of the small sum transaction from the fee settlement terminal periodically or non-periodically, accumulating the amount of money spent for a predetermined time by a user out of pre-approved amount of money for the user to be subjected to post-payment, receiving the new pre-approval information and a unique information of the information recording medium from the fee settlement terminal to inquire the unique information of the relevant information recording medium and to determine whether the new pre-approval is available or not, granting, when the new pre-approval is available, a pre-approval number to a newly pre- approved amount of money to store the granted new pre-approval number and the pre- approved amount of money in a database in correspondence to the information of the relevant information recording medium, adding, when the new pre-approval is not available, the unique information of the relevant information recording medium to the D/L data, and then transmitting the D/L data to the fee settlement terminal periodically or non-periodically, wherein when the small sum transaction is not available through the granted pre-approval, a new pre-approval is granted in an off-line mode without additional approval procedures to execute the small sum transaction through the new pre-approval, and it is determined whether the granted new pre-approval information is approved or not through an approval procedure in a predetermined time to manage possibility of transaction of the relevant information recording medium in the future by using the D/L information.
2. The small sum transaction system through a pre-approval using an information recording medium according to claim 1, wherein the pre-approval server determines whether the information corresponding to the execution of small sum transaction, periodically or non-periodically transmitted from the fee settlement terminal, is included in the D/L data, adds a unique information of the information recording medium of the user to the D/L data when the information is included in the D/L data, and periodically or non periodically transmits the D/L data to the fee settlement terminal.
3. The small sum transaction system through a pre-approval using an information recording medium according to claim 1, wherein the D/L information is additionally recorded in the information recording medium.
4. The small sum transaction system through a pre-approval using an information recording medium according to claim 1, wherein the pre-approval server transmits the D/L data to the fee settlement terminal using a wireless mode or a wire mode.
5. The small sum transaction system through a pre-approval using an information recording medium according to claim 1, wherein an terminal computer is further provided between the pre-approval server and the fee settlement terminal, and the terminal computer controls a plurality of fee settlement terminals to transmit the transaction particulars or the pre-approval particulars generated in the fee settlement terminals to the pre-approval server and to transmit the D/L data of the pre-approval server to the fee settlement terminals.
6. The small sum transaction system through a pre-approval using an information recording medium according to claim 1, wherein the fee settlement terminal further comprises a D/L management means for periodically or non-periodically downloading the D/L data from the pre-approval server and erasing and updating the D/L data using a first-in first-out method.
7. The small sum transaction system through a pre-approval using an information recording medium according to any one of claims 1 to 6, wherein when a new pre- approval is granted because a predetermined pre-approval updating date has come, the fee settlement terminal initializes a pre-approved amount of money, a pre-approved date and a transaction particulars information recorded in the information recording medium, and then records a new pre-approved amount of money and a new pre-approved date in the information recording medium.
8. The small sum transaction system through a pre-approval using an information recording medium according to any one of claims 1 to 6, wherein when a new pre- approval is granted because a pre-approved residual amount of money is smaller than a predetermined minimum pre-approved residual amount of money, the fee settlement terminal updates the pre-approved amount of money and the pre-approved date to record a newly pre-approved amount of money and a newly pre-approved date in the information recording medium.
9. The small sum transaction system through a pre-approval using an information recording medium according to claim 1, the fee settlement terminal comprising: a reading-out/recording means for reading out a predetermined information from the information recording medium or recording a predetermined information in the information recording medium; a storage means for memorizing the predetermined information read out by the reading-out/recording means, a small sum transaction information or new pre-approval information resulted from execution of the small sum transaction and a D/L information; a security access module for supplying a security information in an off-line mode so as to read out the predetermined information recorded in the information recording medium; a communication means for supporting transmission/reception of data with the pre-approval server; and a control means for reading out a predetermined unique information and a pre- approval information from the information recording medium through the reading- out/recording means to determine whether the small sum transaction is available or not, allowing the small sum transaction to be executed when it is determined that the small sum transaction is available, and when it is determined that the small sum transaction is not available, updating the pre-approval information to record a predetermined new pre- approval information in the information recording medium through the reading- out/recording means and storing the small sum transaction information or the new pre- approval information resulted from the execution of small sum transaction along with the information of the relevant information recording medium in the storage means.
10. A small sum transaction method through a pre-approval using an information recording medium, with which one or more small sum transactions are executed within a range of pre-approved amount of money through a credit pre-approval, the method comprising: a step 100 in which a fee settlement terminal reads out information of the information recording medium, inquires a D/L data on the basis of a unique information read out from the information recording medium, and determines whether a payment for the small sum transaction by means of the information recording medium is possible or not; a step 200 of, when it is determined in the step 100 that the payment for the small sum transaction by means of the information recording medium is possible, determining whether a new pre-approval is necessary or not; a step 300 of, when it is determined in the step 200 that the new pre-approval is not necessary, controlling to execute the small sum transaction, subtracting a payment amount of money for the small sum transaction from the read-out pre-approved amount of money, then updating the amount of money to record the resultant amount of money in the information recording medium, and storing the small sum transaction information in correspondence to a relevant unique number in a storage means; a step 400 of, when it is determined in the step 200 that the new pre-approval is necessary, updating the pre-approval information to record a predetermined new pre- approval information in the information recording medium, and storing the predetermined new pre-approval information in correspondence to the relevant unique number in the storage means; and a step 500 of periodically or non-periodically transmitting the unique information, the pre-approval information and a transaction particulars information of the information recording medium stored in the storage means to the pre-approval server, wherein when the small sum transaction is not available through the granted pre-approval, a new pre-approval is granted in an off-line mode without an additional approval procedure to execute the small sum transaction through the new pre-approval, and it is determined whether the granted new pre-approval information is approved or not through an approval procedure in a predetermined time to manage possibility of transaction of the relevant information recording medium in the future by using a D/L information.
11. The small sum transaction method through a pre-approval using an information recording medium according to claim 10, further comprising a step 600 of receiving the new pre-approval information and the unique information of the information recording medium from the fee settlement terminal to check the unique information of the relevant information recording medium, and when the new pre-approval is not available, adding the unique information of the relevant information recording medium to the D/L data and periodically or non-periodically transmitting the D/L data to the fee settlement terminal.
12. The small sum transaction method through a pre-approval using an information recording medium according to claim 10, further comprising a step of determining whether the information corresponding to execution of the small sum transaction, periodically or non-periodically transmitted from the fee settlement terminal, is included in the D/L data or not, and when it is determined that the information is included in the D/L data, adding the unique information of the information recording medium of a user to the D/L data and transmitting periodically or non-periodically the D/L data to the fee settlement terminal.
13. The small sum transaction method through a pre-approval using an information recording medium according to claim 10, wherein the step 200 further comprises a step of determining whether the new pre-approval is necessary depending upon advent of a pre-approval updating date predetermined in the fee settlement terminal or not, and wherein when the new pre-approval is granted due to the pre-approval updating date, the pre-approved amount of money, the pre-approved date and the transaction particulars information recorded in the information recording mediumare initialized and then the newly pre-approved amount of money and the newly pre-approved date are recorded in the information recording medium.
14. The small sum transaction method through a pre-approval using an information recording medium according to claim 10, wherein the step 200 further comprises a step of granting the new pre-approval when a pre-approved residual amount of money read out from the information recording medium is smaller than a predetermined minimum pre-approved residual amount of money predetermined in the fee settlement terminal, and the pre-approved amount of money and the pre-approved date of the fee settlement terminal is updated to record a newly pre-approved amount of money and a newly pre- approved date.
15. The small sum transaction method through a pre-approval using an information recording medium according to claim 10, wherein the step 100 further comprises a step in which the fee settlement terminal checks whether a D/L information exists in the information read out from the information recording medium or not to determine whether the transaction by means of the information recording medium is possible or not, further comprising a step in which when the D/L information is not recorded in the information recording medium, it is determined whether a number of the information recording medium read out from the information recording medium exists in the D/L data stored in an internal storage means of the fee settlement terminal or not, and when the number of the information recording medium exists in the D/L data, the D/L information is recorded in the information recording medium and the transaction is stopped.
16. The small sum transaction method through a pre-approval using an information recording medium according to claim 10, further comprising a step in which the fee settlement terminal periodically or non-periodically downloads the D/L information from the pre-approval server and erases and updates the D/L information using a first-in first-out method.
EP03723415A 2002-05-21 2003-05-06 Small sum transaction system and method through pre-approval using information recording medium Withdrawn EP1506506A4 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
KR2002028256 2002-05-21
KR10-2002-0028256A KR100454140B1 (en) 2002-05-21 2002-05-21 Small petty trading system and method by pre-approval using information recording medium
PCT/KR2003/000897 WO2003098514A1 (en) 2002-05-21 2003-05-06 Small sum transaction system and method through pre-approval using information recording medium

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EP1506506A1 true EP1506506A1 (en) 2005-02-16
EP1506506A4 EP1506506A4 (en) 2007-05-16

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KR (1) KR100454140B1 (en)
CN (1) CN1662917A (en)
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AU2003230255A1 (en) 2003-12-02
WO2003098514A1 (en) 2003-11-27
CN1662917A (en) 2005-08-31
KR100454140B1 (en) 2004-10-26
KR20020048917A (en) 2002-06-24
EP1506506A4 (en) 2007-05-16

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