KR100214159B1 - Auto charge method of prepaid card - Google Patents

Abstract

By installing an unmanned terminal, the card for paying various fees such as subway, national railway, bus, taxi, and parking lot can be charged unattended by the user unattended, and the credit card that the user carries To pay the charge of the card for payment by cash and debit card, install an unattended terminal connected to the management company of the card for payment and the modem, and operate the unattended terminal by the user directly A predetermined amount to be charged in the payment is made, and the predetermined amount is paid by a credit card, a cash card or a debit card, and the unattended terminal receives the credit status of the credit card, the cash card, and the debit card. Inquiry to the management company of the card, and the amount of the payment made to the card for payment when the transaction is approved. By charging the amount, the user of the card for bill payment can simply reuse a predetermined amount of money in the card for bill payment using an unmanned terminal installed unattended without visiting the card issuing company.

Description

Unattended charging of card for payment

The present invention relates to an unattended charging method of a card for paying a fee, in which a user directly charges a predetermined amount of a card for paying a fee for use, including a subway, a national railroad, a bus, a taxi and a parking lot.

If you use a certain means of transportation or use a paid facility, such as parking of a vehicle and a specific place while living daily life, a certain usage fee must be paid.

In order to pay the usage fee, when the user carries cash one by one, it is necessary to prepare an appropriate change for the usage fee, which causes a lot of trouble.

In addition, when the user pays the cash more than the above usage fee, the user must calculate the change that subtracts the use fee from the amount paid by the person who receives the payment, and pay the calculated change.

Therefore, there is a problem in that a lot of time is wasted in storing the usage fee as well as a receiver for storing the usage fee.

Therefore, the bus combination that manages the bus sells a fee card (called an IC or IC card) that charges a certain amount so that the user can purchase the bus in advance. In the case of use, the usage fee is paid at an amount pre-filled in the card for payment.

In addition, subway corporations operating subways and railway stations operating national railways are required to pay the usage fee with a 'flat ticket' of a certain par value.

However, the 'settle right' is not reusable, and when the amount of the 'settle right' is used up, it has to be purchased again.

Therefore, a lot of research has been carried out in the subway construction and railway stations to pay the fee to use the card for payment.

On the other hand, in 1996 patent application No. 14124, which was filed by the applicant, the amount paid in advance to a plurality of issuers is stored separately in one card for payment, and when the predetermined fee is paid to the issuer, The payment is made in advance.

In addition, when the predetermined amount paid in advance is used up, the predetermined amount is paid again, and the amount paid is charged to the card so that it can continue to be used.

The use of the card for payment is not only very convenient, but the user does not need to have cash one by one.

However, the above-mentioned fee card pays all the amount paid in advance, and if the balance is insufficient, the user visits the card issuer's company and pays a predetermined amount, and presents the amount paid by presenting the card. I had to charge it.

Therefore, the card issuer not only needs a manpower capable of charging a predetermined amount to the card for paying the bill, but also has a lot of trouble for the user of the card for paying the card, and its use and dissemination have been limited.

Accordingly, an object of the present invention is to provide an unattended charging method of a card for paying a fee, which installs an unmanned terminal and enables a user to charge a predetermined fee directly.

It is another object of the present invention to provide an unattended charging method of a card for paying bills, which enables a user to pay a charge amount of a card for paying with a credit card, a cash card and a debit card.

In order to achieve the above object, the present invention provides an unmanned terminal connected to a management company of a card for payment and a modem, and allows a user to directly operate a driverless terminal to pay a predetermined amount to be charged in a card for payment.

The predetermined amount inquires the credit card of the credit card, cash card and debit card through the modem to the management company of the card, and if the transaction is approved as a result of the inquiry, the amount paid to the card for payment is charged. .

Therefore, according to the present invention, a user of a card can simply recharge a predetermined amount of money on a card for payment using an unmanned terminal installed unattended without visiting the card issuing company.

1 is a circuit diagram showing the configuration of an unmanned terminal to which the unattended charging method of the present invention is applied.

2 is a signal flow diagram showing an unattended charging method of the present invention.

* Explanation of symbols for main parts of the drawings

10: main control unit 11: memory

12: key input unit 13: card input unit

14: printer 15: screen display

16: card recording / reading unit 17: modem

Hereinafter, with reference to the accompanying drawings will be described in detail the unattended charging method of the card for payment of the present invention.

1 is a circuit diagram showing the configuration of an unmanned terminal to which the unattended charging method of the present invention is applied. As shown therein, the main control unit 10 controls communication with the issuing company of the card and stores a predetermined amount with a credit card, a cash card and a debit card and charges the received amount into a card for payment. A memory 11 for storing and outputting the operation program of 10 in advance; a key input unit 12 for inputting an operation command and a selection signal according to a user's operation to the main control unit 10; and the credit card and cash. The card reader unit 13 for reading predetermined data stored in the card and the debit card, the printer 14 for printing the receipt under the control of the main control unit 10, and the control of the main control unit 10. A screen display unit 15 for displaying an operation state and a message according to the present invention, a card for reading the fee payment card, inputting the card to the main control unit 10, and a predetermined data according to the control of the main control unit 10; Card recording / reading unit 16 for recording data, and the main control unit 10 connected to the management company of the card to configure a modem 17 for data communication.

In the unattended charging method of the card for payment of the present invention applied to the unmanned terminal configured as described above, the main control unit 10 performs an initialization operation in step SI as shown in FIG. .

When the initialization operation is completed, in the next step S2, a message for inserting a fee payment card for charging a predetermined amount into the card recording / reading unit 16 is outputted and displayed on the screen display unit 15, and step S3. ), It is determined whether the card for paying the fee is input to the card recording / reading unit 16.

When it is determined in step S3 that the card for payment is input, it is determined whether the card inserted in the next step S4 is a card for multi-payment. In the case of the multi-rate payment card in step S4, a message for selecting a card issuer to charge a predetermined fee is displayed on the screen display unit 15 in step S5, and in step S6, the user inputs a key input unit. It is determined whether the selection signal of the issuing company is input by operating the key of (12).

When the selection signal of the card issuer is input in the step S6, the balance of the card issuer according to the input selection signal is checked on the card for payment of charges, and is output to the screen display unit 15 for display.

If the multi-bill payment card is not in the step S4, the remaining balance stored in the pay card is immediately displayed in the screen display unit 15 in step S7.

When the checking and displaying of the balance is completed, in the next step S8, a message is displayed on the screen display unit 15 for selecting a predetermined amount to be charged into the card for payment, and the selection signal is displayed in the next step S9. Determine whether is input.

For example, 10,000 won, 20,000 won… To select it.

Here, the amount to be charged may be made to be input by the user by operating the key input unit 12.

When the amount to be charged in the card for payment is input, the card reader request is displayed on the screen display unit 15 in step S10, and the card reader unit 13 pays the fee to the slot in step S11. It is determined whether data of a credit card, a cash card or a debit card to be entered is input.

When the data of the credit card, the debit card or the debit card is input in the step S11, a request for input of the password of the credit card, the debit card or the debit card entered in the screen display unit 15 is displayed in the step S12. do.

When a password is input in the next step S13, a request is made to input the receipt of a receipt to the screen display unit 15 in step S14, and it is determined whether a selection signal for receipt issuance is input in step S15.

When the selection signal for issuing a receipt is input in the step S15, the card issuing company is connected through the modem 17 in the next step S16, and then the data and password of the credit, debit or debit card are transmitted. Ask for confirmation of charging.

In a next step S17, a predetermined time is waited, and in step S18, it is determined whether predetermined data is received from the card issuer.

When the data is received in the step S18, it is determined in step S19 whether the charge of the card for payment is approved.

If it is not approved to charge the card for payment in step S19, the screen display unit 15 indicates that the transaction is impossible in step S20, and returns the card for payment in step S24, and then operates. Quit.

In the case where the payment card is approved for charging in step S19, the predetermined amount selected by the user is charged in step S21, and the total amount of money charged is displayed on the screen display unit 15.

In the next step (S22) to check whether the receipt is issued, if the receipt is issued in the next step (S23) to control the printer 14 to print the receipt and then charge the charge card in step (S24) Returns and terminates the operation.

As described above, the present invention charges a predetermined amount of money to a card for paying unattended, so the charging of a predetermined amount is very easy, and there is no hassle. No, the after-sales service of the unmanned terminal is very easy because it can remotely monitor the operating state of the unmanned terminal.

Claims (5)

A first step of requesting a reader of a credit, debit, or debit card to pay a fee as the card for payment and a predetermined amount to be charged is entered; and in the first step, a credit, debit or debit card In the second process of requesting the charge approval to the card issuing company when the data of the card is input, and determining whether the charge approval is received, and if the charge approval is not received in the second process, the transaction cannot be displayed and entered. A third process of returning the card for payment and a fourth process of charging and returning the predetermined amount to the card for payment when the charge approval is received in the second process. Unattended charging of the card. The method of claim 1, wherein the first process allows the user to select a generation company to charge when the card is a multi-payment card. The method of claim 1, wherein the amount of money to be charged is selected by the user based on a predetermined amount as a basic unit. The method of claim 1, wherein the second process requests the input of a password of a credit card, a cash card, or a debit card to pay a fee. The method of claim 1, wherein the receipt issuance is confirmed and the receipt issuance issuance issuing when the receipt is requested.