JP3015787B2 - Card payment method in sales management system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card settlement method in a sales management system which can use a so-called debit card or the like which can be settled directly from a deposit account using a credit card (credit card) or a bank card.

[0002]

2. Description of the Related Art In general, a conventional sales management system is configured to settle a transaction price using cash or a card. Particularly, in the case of a high-priced sales system, a sales office can reduce an article sales rate. A card terminal connected to a card issuer or a value-added communication network operator VAN via a communication line, and a sales management machine for controlling the operation of the vending machine according to the approval result of the card terminal. By installing a self-contained sales management system equipped integrally with a card, it is possible to make purchases using a card. In such a case, a salesperson for operating the card terminal and the sales management machine is required in advance. It is in the form of waiting.

For example, FIG. 11 is a flow chart for explaining a method of self-lubrication using a credit card or a debit card when the self-sales system is applied to a general lubricating machine. When a sales clerk in the office next to the machine requests a credit card or debit card and sets the desired lubrication amount, the sales clerk uses the card terminal to obtain approval to use the card for the lubrication amount, and then from the card terminal After receiving the customer's signature on the output card sales approval slip, hand one receipt to the customer,
Sales management machine installed in the office (oiling sales management device; P
OS) is used to set the card approved lubrication amount for the lubrication machine. Therefore, the customer who has moved to the lubrication machine starts lubrication by himself using the nozzle gun 5, and ends the lubrication.

FIG. 12 shows an outdoor terminal ODT in which the card terminal and the sales management device are integrally formed by using a credit card or a debit card in a self-sales system in a state applied to a lubricating machine. 5 is a flowchart for explaining a method of self-lubrication, in which a customer uses a credit card or debit card reader 2 (or a cash bill recognizing machine) provided in an outdoor terminal installed adjacent to a lubricating machine.
After the card is read using 3), when the desired lubrication amount or amount is set using the lubrication setting key 1 of the outdoor terminal, the outdoor terminal automatically recognizes the card via serial communication. After obtaining the card approval, the card sale approval slip is output to the receipt printer 4, and the approved lubrication amount is set in the lubrication machine. Accordingly, the customer moves to the lubricating machine after receiving the card selling approval slip, starts lubricating by himself using the nozzle gun 5, and ends the lubrication.

FIG. 13 shows a self-lubrication system including a credit card or debit card reader, a cash bill recognizing machine, a receipt printer, a display, a lubrication setting key, and the like. 5 is a flowchart illustrating a method of lubricating, in which a customer reads a card using a credit card or debit card reader 2 installed in a lubricating machine, and then uses a lubricating setting key 1 of an outdoor terminal. And set the desired lubrication amount or lubrication amount. At this time, in the self-lubrication system, the card use approval is obtained via the sales management system installed in the adjacent office, or the self-lubrication system obtains the card use approval via serial communication. Then, the approved lubrication amount or amount is set in the lubricator. Therefore, when the customer starts lubricating himself by using the nozzle gun 5 located in the lubricating machine and finishes, the self-lubricating system sends the card sale receipt to the receipt printer 4.
And the customer receives the card sale receipt, thereby completing the self-lubrication operation using the card.

[0006]

FIG. 11 through FIG.
In the self-lubrication system, the card customer must first obtain card approval for the amount to be lubricated (after lubrication, the disputes between the gas station and the customer depend on the availability of the customer card). Has a factor, does not fit self-lubrication), the customer must preset the amount of lubrication in order to get the card approval, but the customer has an empty fuel tank in his car Because you don't know the exact capacitance, you'll have to ask for the card for a gross sum.

[0007] Therefore, during the self-lubrication of the customer, there is a case where the fuel tank of the automobile becomes full and cannot be further lubricated. In such a case, the difference between the card approval amount and the actual amount is obtained. Repayment problem. Further, it becomes more difficult if the card customer tries to cancel the lubrication itself for the lubrication amount already approved.

In order to solve such a problem, if the card is to be approved after self-lubrication, if the card is defective, the card is not approved. Serious disputes will arise in between.
In particular, in the case of self-lubricating machines operated by unmanned methods,
There was a problem that the pre-lubrication and post-card approval had serious operational problems.

Accordingly, the present invention has been devised in order to solve the above-mentioned problems. In the present invention, in a sales management system, an authorization for a credit card or a debit card is firstly obtained, When the transaction is completed and the transaction is completed, re-approval of the actual transaction price can be obtained again and automatic payment can be made, especially in the self-configured sales management system, the actual purchase amount and the settlement amount of the card By completely eliminating the cause of the dispute between the customer and the sales office due to the occurrence of the difference and the repayment of the difference, the self-type sales management system can be used more conveniently, and in some cases, the self-sales in units of 1 yen can be used. It is an object of the present invention to provide a card settlement method in a sales management system that can realize true unattended self-sales by making it possible.

[0010]

In order to achieve the above-mentioned object, a card settlement method in a sales management system according to the present invention is a card settlement method for a sales management system in which a sale transaction price is settled by a credit card, a debit card, or the like. In the method, when a virtual transaction amount is set by inserting a card, a request for pre-transaction approval for the virtual transaction amount is performed by referring to the card information. When the approval is approved, the sale of the goods is permitted, and the state is displayed and the control is performed so that the goods are traded. Requesting post-trade approval for the actual transaction amount after displaying its status, and when post-transaction approval is approved at the post-transaction approval request stage, Ri out to output a receipt, which is made of, including the steps to reset the sales initial state to return the card.

[0011] In addition, after the card is inserted, a step of requesting a pre-transaction approval for the virtual transaction amount is performed under a condition that a card password is input.

In addition, when the pre-transaction approval for the virtual transaction amount is approved in the pre-transaction approval requesting step, a request for canceling the approval for the pre-transaction approval again is made immediately, the sale is permitted, and the state is displayed. And performing a step of controlling so that the sale is performed.

Further, when the sale is terminated in the control stage of the article transaction, the sale is stopped, and after requesting cancellation of the authorization for the pre-transaction approval in a state where the sale is displayed, after the transaction for the actual transaction amount, A step of requesting approval is performed.

Further, when the post-transaction approval is approved at the post-transaction approval request stage, after requesting the cancellation of the pre-transaction approval, a sale receipt is output, and the card is returned to the initial sales state. It is characterized by resetting.

Further, when the sale of goods is completed in the control stage of the goods transaction or when it is determined that the actual transaction amount is equal to or exceeds the virtual transaction amount, the sale is rejected,
A step of requesting post-transaction approval for the actual transaction amount after displaying the sale non-permission state is executed.

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a block diagram showing an internal configuration of a self-lubricating machine for explaining a card settlement method in a sales management system according to the present invention, having at least one or more lubrication ports,
A communication cable RS- is provided so that a command for refueling at the lubrication port can be received from an external control terminal.
485 is connected to the lubricator control unit 110. When a lubrication command is issued, the amount of oil to be lubricated is measured according to the open / close state of the nozzle switch and the nozzle retch corresponding to the number of the lubrication ports. While displaying the converted amount, the corresponding amount is again displayed on the communication cable RS-4.
A lubricating machine 100 for transmitting to the outside via a communication line 85, and an identification means capable of reading various kinds of settlement means such as various kinds of cards and cash which have different information recording media and settlement methods. When the information read by the recognizing means is valid in a state where the information is valid in a state where the communication is connected to each other via RS-485, after permitting refueling by communicating with the lubricator control unit 110, When the refueling by the lubricating machine 100 is completed, the operation of automatically settling and processing the converted amount corresponding to the final lubricating amount transmitted from the lubricating machine control unit 110 by the settlement means and the transaction payment method of the settlement means. It comprises a payment terminal 200 having a payment control unit 210 for overall control.

At this time, the settlement terminal 200 further includes a setting unit 255 as a means for selecting a type of settlement means and a refueling method (fixed refueling or fixed amount refueling) according to a user's intention. Then, as means for displaying service information necessary for lubrication and settlement, an LCD display unit 256 for displaying service information related to the key operation state of the setting unit 255 in characters and graphics, and for an operation state of the device by the key operation. A status display unit 257 for visually displaying service information using a lamp, a light emitting diode, or the like, and an audio output unit 258 for displaying the service information of the LCD display unit 256 and the status display unit 257 as a voice message. And

A bill insertion slot for inserting a bill and a bill recognition section 251 having a built-in bill reader for recognizing the bill inside the bill insertion slot, and a card insertion slot for inserting a card. And a magnetic card reader and an IC card, which are provided with a card see-through window which can detect a high frequency (RF) card within a certain distance and which can access a card using a magnetic band (MS) or a chip (IC) as an information recording medium. A reader and a radio frequency (RF) card reader are provided inside the card slot and the card viewing window, and when the card is inserted into the card slot or passes through the card viewing window, the reader is driven. Recognizing units 252 and 25 that can recognize card information by using
3, 254.

A security access module (SAM) 2 which is capable of inquiring the card information read by the card recognition means in an off-line manner while being connected so as to be able to communicate with each other via the lubricator control unit 110 and a communication cable.
30 and a card issuer or a value-added network operator V for inquiring the card information in an on-line manner.
A communication interface circuit modem 240 for supporting data transmission / reception with an AN or the like. The settlement control unit 21
The system includes a receipt issuing unit 259 that issues a receipt for the refueling amount under the control of 0.

At this time, the security access module 2 connected to the settlement controller 210 and the communication cable RS-232 is connected.
30 can be used to verify the suitability of the card read by the high-frequency card recognition unit 259 and the IC card recognition unit 254, and the payment control unit 210
Is supplied to the communication port RS-232, and the magnetic card recognition unit 252, the high-frequency card recognition unit 253,
IC card recognition unit 254, settlement module such as bill recognition unit 251, and receipt issuing unit 259 for issuing a receipt.
An LCD display unit 256 for performing various kinds of guidance necessary for operation to the user, a state display unit 257 indicating an operation state of the device,
The voice output unit 258 for providing voice information and the setting unit 255 capable of operating necessary operation keys are connected.

At this time, it is needless to say that the card recognizing means can mount all or a part of a magnetic card recognizing module, a high-frequency wireless card recognizing module, an IC card recognizing module, and a cash recognizing module according to a user's request. It can be adjusted depending on the service type.

The lubricating machine 100 includes a power supply 12
For example, when lubricating a car, the lubricating machine is controlled by an opening / closing state of a nozzle switch 136 and a nozzle ret (not shown) to supply underground oils. By pulling up the oil from the tank from the pump / flow meter 138, the oil is supplied via the nozzle while displaying the refueling amount and the unit price per unit price set by the setting unit 139 of the lubricator, at this time. , The pulse generator 134 mounted on the pump / flow meter 138 and the position detector 1
The detection signal is sent to the lubricator control unit 110 by the control unit 31, the difference is compared with the lubrication setting by calculation (program), and the control signal is sent to the valve control unit 135.
The supply flow rate is controlled by controlling the solenoid valve 137. At this time, the lubricator control unit 110 sets the payment terminal 200
The control unit 210 communicates with the communication cable RS-485, and the refueling amount set by the setting unit 255 of the payment terminal 200 can be operated according to the above procedure.

FIG. 2 is a view showing an example of the self-lubricating machine of FIG. 1 to which the card payment method in the sales management system according to the present invention is applied, wherein the payment terminal has one lubrication port. FIG. 4 is a diagram showing a case where the device is installed and installed in a computer. That is, an LCD display unit 256 for displaying the key operation state and necessary information in characters and graphics, and a number of functions for setting a credit card setting key, an RF / IC card setting key, a cash setting key, and a fixed amount / fixed amount refueling. When performing a transaction using a credit card, a prepaid card, a debit card, or cash, a setting unit 255 including a plurality of selection keys, a number key for setting a menu, and a cancel key or a modification key, the amount of the transaction price may be reduced. Receipt issuing unit 259 for issuing receipts, card see-through window 253a for reading high-frequency cards, bill insertion slot 251a for entering / exiting bills, card entrance 252a for entering / exiting MS cards and IC cards. Is installed on the front side, and the oil is pulled up from the underground oil storage tank using a pump / flow meter. That includes a nozzle 6a and nozzle gun 6, a display unit 132 of the oiling machine for displaying it to meter the flow rate of the oil supply from the nozzle 6a with unit price and amount.

FIG. 3 is an operation flow chart for explaining a card settlement method which is carried out by the self-lubricating machine shown in FIGS. 1 and 2 in which the sale transaction price is settled by a credit card, a debit card or the like. As shown, in the card settlement method according to the present invention, when a card is inserted and a confirmation key is input under the condition that a card password is input, a virtual transaction amount is set, and card information is queried to check the virtual transaction amount. Requesting pre-transaction approval 611-617;
If the pre-transaction approval for the virtual transaction amount is not approved at the pre-transaction approval request stage, the card is returned immediately after displaying the corresponding error, and conversely, if the pre-transaction approval is approved,
After permitting the sale of the goods, displaying the status thereof and controlling the goods to be traded, and judging whether the self-trading is finished while reading and displaying the transaction amount which changes each time the goods are traded 618. -621, when the sale of goods is completed in the article transaction control step, the subsequent sale is prohibited, the status is displayed, and then a post-transaction approval (re-authorization of card) for the actual final transaction amount is requested 622. −
624, and if the post-transaction approval is approved in the post-transaction approval requesting step (card re-authorization requesting step), a sale receipt is output, and the card is returned and reset to the initial sales state 625 and 626. Is made up of

At this time, although not shown in the drawings, after the card is inserted, in order to avoid troublesome key operations, in some cases, even if the card password is not input, the virtual transaction amount is approved before the transaction. The requesting step may be processed.

The right to acquire the pre-transaction approval obtained in the pre-transaction approval requesting step immediately requests the cancellation of the pre-transaction approval or confirms that the pre-transaction approval has been approved. When the sale is completed in the control stage, the sale is stopped and the status is displayed, and the pre-transaction approval is automatically canceled before requesting post-transaction approval (card re-authorization) for the actual final transaction amount. Or if it is confirmed that post-transaction approval is approved in the post-transaction approval request step, each processing step can be changed so as to immediately request cancellation of pre-transaction approval. Absent.

FIG. 4 is a flow chart for explaining another embodiment of FIG. 3, wherein the card customer arbitrarily sets the virtual transaction amount under the condition that the card is inserted and the card password is input. When a confirmation key is input after the virtual transaction amount is set, the card information is referred to requesting pre-transaction approval for the virtual transaction amount, 711-717; If the pre-transaction approval is not approved for the virtual transaction amount at the request stage, the corresponding error is displayed and the card is returned, and if the pre-transaction approval is approved, the pre-transaction approval for the virtual amount is immediately canceled and then requested. After permitting the sale of goods, displaying the status and controlling it so that the goods are traded, while reading and displaying the transaction amount that changes each time the goods are traded,
Steps 718-723 of determining whether the sale of goods has ended or whether the actual transaction amount is equal to or exceeds the virtual transaction amount.
If the sale of goods is terminated in the article transaction control stage or if it is determined that the actual transaction amount exceeds the virtual transaction amount, the subsequent sale is disallowed, and after displaying the state, the actual 724-726 requesting post-transaction approval for the transaction amount, and if post-transaction approval is approved in the post-transaction approval requesting step, a sale receipt is output, and the card is returned and reset to the initial state of sale. Step 727,
728.

At this time, after the card is inserted, in order to avoid troublesome key operations, a step of requesting a pre-transaction approval for the virtual transaction amount may be processed even if the card password is not input. The right to obtain pre-trade approval obtained at the pre-trade approval request stage is as follows:
When the sale is terminated in the article transaction control step, the sale is stopped, and the status is displayed, and the cancellation of the pre-transaction approval is automatically requested before requesting the post-transaction approval for the actual transaction amount. Needless to say, if it is confirmed that the post-transaction approval is approved in the post-transaction approval requesting step, each processing step can be changed so that the cancellation of the pre-transaction approval can be immediately requested.

FIGS. 5 to 7 show a self-lubricating machine and a credit card issuing company (also called a credit card company) according to the present invention.
8 to 10 are reference diagrams for explaining a pre-transaction approval request and an approval route generated with the bank (or bank).
FIG. 4 is a reference diagram for explaining a request for post-transaction approval and an approval route generated between a self-lubricating machine and a credit card company (or bank) according to the present invention.

5 and 8 show a card approval system and a card purchase company (or a value-added communication network operator V).
FIG. 6 and FIG. 9 show an example in which a card purchase company (or a computer system of a value-added communication network operator VAN or an oil company) is used as an intermediate route. 7 and 10 show a case where the self-lubricating machine directly communicates with a credit card company (or bank).

Referring to the card settlement method using the self-lubricating machine, first, when a card customer reads a desired card into a card recognizing unit 252-254 installed in the lubricating machine, a password input and a virtual transaction amount are input. The self-lubricating machine may go through a card approval system or other communication network as shown in FIGS. 5 to 7, or directly to a credit card company or bank. Requesting prior approval for the virtual transaction amount, and when the credit card company or the bank approves the pre-transaction approval, the lubricator is set in a lubricable state, and the state is displayed so that the customer can know it. Thus, the customer can enter a password, set the lubrication amount and amount, and then lubricate, or without entering any keys,
It is also possible to unconditionally lubricate the card within the card usage limit only by making the card read.

Therefore, the card customer looks at the display state,
Recognizing that lubrication was permitted, and starting to lubricate with your own power using the nozzle gun located in the lubrication machine, read the amount changed by lubrication, and the lubrication was completed or the actual transaction amount was already If the set virtual transaction amount is exceeded, the self-lubricating machine will be approved after requesting the credit card company or the bank, etc. to request post-trade approval for the actual lubricating amount of the self-customer read by the lubricating machine. wait. At this time, when the pre-transaction approval is requested for the pre-transaction approval already obtained from the credit card company or the bank, the cancellation request can be made again immediately after the pre-transaction approval is confirmed.

On the other hand, when a post-transaction approval is requested, the pre-transaction approval can be automatically canceled first, then the post-transaction approval request can be performed, or after the post-transaction approval has been obtained, the pre-transaction approval can be requested. When the post-transaction approval is confirmed in the post-transaction approval approval waiting state, the card sale receipt is output to the receipt printer and the card is returned, so that the card customer receives the card sale receipt.

As described above, in the sales management system applied to the lubricating machine, in the case where the goods transaction price is settled using the credit card or the debit card, first, the card inquiry is performed and the approval for the virtual transaction amount is obtained. In the actual goods transaction, when the goods transaction is completed, re-authorization for the actual transaction price is obtained again and settled, so that the goods management was actually performed in the sales management system due to the customer's reasons. When the difference between the amount and the card settlement amount occurs, the cause of the dispute between the customer and the sales office due to the repayment of the difference can be fundamentally eliminated.

Also, from the standpoint of the sales office, it is possible to eliminate the disadvantages caused by the repayment of the difference of the settlement price, eliminate the necessity of signing the customer on the card vending slip, and in some cases, when selling the card, make a one-yen unit By enabling sales, true unmanned self-sale can be realized.

Although the present invention has been described above with reference to specific embodiments, the present invention is not limited to the above-described embodiments, and persons having ordinary knowledge in the field of the present invention may use the present invention. Obviously, various changes and modifications can be made within the spirit and scope of the present invention.

[0037]

As described above, according to the present invention, a credit card or a debit card can be used for simple and quick self-purchase through pre-authorization of a customer card, and a transaction amount to be purchased by a card customer. Because you can get a card authorization without expecting it, you can sign the card customer by automatically processing the repayment problem due to the difference in the amount after performing the actual goods transaction without the interference of the card customer or sales staff Is not necessary, and there is no change problem even in self-lubrication where the end of the sales amount has the unit of 1 yen,
Enable true unattended self-selling. Not only that, by obtaining pre-transaction approval, the loss of self-sales offices due to the use of defective cards can be completely prevented.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an internal configuration of a self-lubricating machine for explaining a card settlement method in a sales management system according to the present invention.

FIG. 2 is an exemplary view of the self-lubricating machine of FIG. 1;

FIG. 3 is an operation flowchart for explaining a card settlement method performed by the self-lubricating machine of FIGS. 1 and 2;

FIG. 4 is an operation flowchart for explaining another embodiment of FIG. 3;

FIG. 5 is a reference diagram for explaining a pre-transaction approval request and an approval route in the present invention.

FIG. 6 is a reference diagram for explaining a pre-transaction approval request and an approval route in the present invention.

FIG. 7 is a reference diagram for explaining a pre-transaction approval request and an approval route in the present invention.

FIG. 8 is a reference diagram for explaining a post-transaction approval request and an approval route in the present invention.

FIG. 9 is a reference diagram for explaining a post-transaction approval request and an approval route in the present invention.

FIG. 10 is a reference diagram for explaining a post-transaction approval request and an approval route in the present invention.

FIG. 11 is a flowchart illustrating a method of self-lubricating using a conventional credit card or debit card.

FIG. 12 is a flowchart illustrating a method of self-lubrication using a conventional credit card or debit card.

FIG. 13 is a flowchart illustrating a method of self-lubrication using a conventional credit card or debit card.

[Explanation of symbols]

100 lubricator, 110 lubricator control unit, 120 power supply unit, 131 position detection unit, 132 display unit, 133, 2
55 setting section, 134 pulse generation section, 135 valve control section, 136 nozzle switch, 137 solenoid valve, 138 pump / flow meter, 200 settlement terminal, 210 pump / flow meter, 230 SA
M, 240 Modem, 251 Bill Recognition Unit, 252 M
S card recognition unit, 253 RF card recognition unit, 254
IC card recognition unit, 256 LCD display unit, 257 status display unit, 258 voice output unit, 259 receipt issue unit.

──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor John In Li South Korea, Seoul, Tongjak, Tebang-dong, Tebang Second Block, Chugon Apartment 210-1203 (72) Inventor Kang Hyun Kim Republic of Korea, Seoul Special City, Yangchang, Shinjong-dong 235, Mokton Shinshikaji Apartment 1109-1007 (56) References JP-A-64-44591 (JP, A) JP-A-64-44592 (JP, A) JP, A) JP-A-1-93890 (JP, A) JP-B-7-43792 (JP, B2) Patent 2650142 (JP, B2) (58) Fields investigated (Int. Cl. ⁷ , DB name) G07F 7/00-7/12 G07F 13/00-15/12 G07G 1/00-1/14 G06F 17/60-19/00

Claims (6)

(57) [Claims] Claims: 1. A card settlement method for a sales management system for settlement of a sale transaction price by a credit card, a debit card, or the like, wherein when a card is inserted and a virtual transaction amount is set, the card information is referred to to check the virtual transaction amount. Requesting a pre-transaction approval for the virtual transaction amount at the requesting step of the pre-transaction approval, permitting the sale of goods, displaying the status thereof, and performing the goods transaction. Controlling, when the sale of goods is completed in the article transaction control step, disabling the subsequent sale, displaying the status thereof, and requesting post-transaction approval for the actual transaction amount; and If the post-transaction approval is approved at the request stage, the sales management system includes the steps of outputting a sale receipt, returning the card and resetting it to the initial state of sale. Card payment method in Temu. 2. The card in the sales management system according to claim 1, wherein after the card is inserted, a step of requesting a pre-transaction approval for a virtual transaction amount is performed under a condition that a card password is input. Payment Method. 3. If the pre-transaction approval for the virtual transaction amount is approved in the pre-transaction approval requesting step, immediately request the cancellation of the pre-transaction approval again, and permit the sale.
The card settlement method in the sales management system according to claim 1 or 2, wherein a step of controlling so that the sale is performed in a state where the state is displayed is executed. 4. When the sale is terminated in the control stage of the article transaction, the sale is stopped, and after requesting cancellation of the authorization for the pre-transaction approval in a state of displaying the state, after the transaction for the actual transaction amount, 3. The card settlement method in the sales management system according to claim 1, wherein a step of requesting approval is performed. 5. When the post-transaction approval is approved in the request for post-transaction approval, a request for canceling the approval for the pre-transaction approval is issued, a sale receipt is output, and the card is returned to the initial sales state. 2. The method according to claim 1, wherein the resetting is performed.
A card settlement method in the sales management system according to claim 2. 6. When the sale of goods is completed in the control stage of the goods transaction or when it is determined that the actual transaction amount is equal to or exceeds the virtual transaction amount, the sale is rejected, and the sale is rejected. 3. The card settlement method in the sales management system according to claim 1, wherein a step of requesting post-transaction approval for an actual transaction amount is executed after displaying the message.