KR100226298B1 - Fare deposit method of card for paying multi fare - Google Patents

Abstract

The present invention stores a charge previously paid by a user to a multi-fare payment card for paying a usage fee for subways, national railways, buses, taxis and parking lots.

The present invention is characterized in that a terminal connected to an issuer is installed on a card at a merchant of a multi traffic fee payment card, the amount paid to the terminal of the merchant is stored as a predetermined amount is paid in advance by the merchant, The amount of money stored in the merchant store is paid to the issuer of the bank or the card at the merchant's store by paying the predetermined amount to the merchant, In the case of requesting payment confirmation of the money amount, the issuing company of the card confirms payment, transmits a control signal to the terminal of the merchant, stores the paid amount in the memory of the terminal, and the user of the card pays a predetermined amount The terminal of the merchant checks the amount of money stored in the memory, And also if more than the amount paid to the merchant for the amount paid to the merchant is subtracted from the amount stored in the memory as well as added to the remaining balance in the current card to be stored on the card.

Description

How to Save Charges for Multi-Payment Cards

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a method for storing a charge for a multi-payment card that stores a fee paid by a user in advance for a multi-charge payment card paying a usage fee such as a subway, national railway, bus, taxi and parking lot.

There are many cases where a user uses a predetermined means of transportation while carrying out daily life or car parks and enters and leaves a specific place. In such a case, a predetermined usage fee has to be paid.

When the user carries cash for paying the usage fee, the user is required to prepare the appropriate change for the usage fee.

In addition, when the user pays cash more than the usage fee, there is a problem that a change amount obtained by subtracting the usage fee from the amount paid is calculated, and a lot of time and manpower is wasted in storing the usage fee to be paid.

Therefore, the subway construction company operating the subway and the railway administration operating the national railway are required to sell a fixed amount of money at a nominal face value so that the user can buy it in advance. When using the subway or the national railway, they pay the usage fee.

In addition, the bus association responsible for the operation of buses sells bus cards with a nominal face value so that users can buy them in advance, and when using buses, they pay the bus fare.

However, as described above, the use of a credit card, a bus card, or the like requires that a user purchase and store a card such as a credit card or a bus card issued by a plurality of issuers, and the user has a lot of inconvenience and hassle In addition, there has been a problem in that, when paying a predetermined usage fee, a card corresponding thereto must be searched.

In addition, the multi-payment card of 1996 Patent Application No. 14124 filed by the applicant of the present application stores the amount paid in advance to a plurality of issuers on one card, and prepaid to the issuer If you pay all the amount you paid in advance, you will pay the amount again, and the amount you paid will be stored on the card so that you can continue to use it.

However, in the above-mentioned 1996 Patent Application No. 14124, when the user has paid all the prepaid amount, the user has to visit the card issuer's company, pay a predetermined amount, present the card, and store the paid amount.

Therefore, the user has a lot of troubles, and as a result, there is a problem in that the use and distribution of the card for paying the multiple traffic fare is poor.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide a multi-fare payment system in which a terminal connected to an issuing company of a card is installed in a multi-traffic fee payment card and a multi- And to provide a method for storing a charge of a card for use.

Another object of the present invention is to provide a method for storing a fee for a multi-fare payment card in which a user of a multi-fare payment card pays a predetermined amount to an affiliated store, There is.

In order to realize the above object, in the present invention, a predetermined amount is paid to an issuing company of a bank or a card at an affiliated store, and when a merchant requests payment confirmation of a predetermined amount from the terminal, the issuing company of the card confirms the payment , And transmits the control signal to the terminal of the affiliated shop to store the paid amount in the memory of the terminal.

When the user of the card pays a predetermined amount to the merchant, the terminal of the merchant checks the amount stored in the memory, and when the amount stored in the memory exceeds the amount paid to the merchant, the amount paid to the merchant is stored in the memory Subtracted from the amount of money and added to the balance remaining on the current card and stored in the card.

Therefore, according to the present invention, a user of a card can store a predetermined amount of money on a card at an affiliated shop without visiting the issuing company of the card, and reuse the card.

FIG. 1 is a circuit diagram showing the configuration of a charge storage terminal unit to which the urgent storage method of the present invention is applied.

Figure 2 is a signal flow diagram illustrating the method of storing charges of the present invention.

DESCRIPTION OF THE REFERENCE NUMERALS

10, 81; A central processing unit 20; The data transfer unit

30; Operating portions 40 and 82; Memory

50; Card read / write unit 60; Display portion

70; An alarm unit 80; Payment amount storage section

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, a method of storing a charge of a multi-payment card according to the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a circuit diagram showing a configuration of a charge storing terminal unit to which a charge storing method of the present invention is applied. The charge storing terminal unit stores a predetermined amount of money by communicating with an issuing company of a card, A data transferring unit 20 connected between the central processing unit 10 and an issuing company of the card for performing communication, A memory 40 for storing and outputting an operation program of the central processing unit 10 and a specific code of a merchant and the like in accordance with a control signal of the central processing unit 10; (60) for displaying an error and an amount of money in accordance with a control signal of the central processing unit (10), and a display control unit An alarm that generates an audible alarm And a payment amount storage unit 80 for storing and outputting a predetermined amount of money in accordance with the control signal of the central processing unit 10.

Here, the payment amount storage unit 80 includes a central processing unit 81 for controlling the storage and outputting of the amount paid in accordance with the control signal of the central processing unit 10, And a memory 82 for storing and outputting a coded amount according to the control signal.

FIG. 2 is a signal flow diagram illustrating a method of storing a fee according to the present invention. The method includes a first step of transmitting terminal information and a payment amount of a merchant to a card issuing company upon request from a merchant for payment amount confirmation, A second step of receiving a confirmation signal and a payment amount transmitted from the issuing company of the card according to the terminal information and the payment amount and determining a balance remaining in the merchant; A fourth step of storing the amount added in the third step, a fifth step of confirming the balance of the merchant terminal according to input of an amount to store and store the amount of the card in the fourth step, A sixth step of alarming the insufficient balance if the remaining amount confirmed in step 5 is less than the amount to be stored in the card; A seventh step of subtracting the amount to be stored in the card from the balance of the franchisee and storing the remaining amount of the card in the remaining amount of the card, And then to the step (8) of storing.

When the franchisee pays a predetermined amount to the issuing company of the bank or card, the charge storing terminal unit goes to the first step and confirms the payment amount by operating the operation unit 30 of Fig. 1 At this time, when the payment amount is confirmed, the central processing unit 10 transmits the predetermined terminal-specific information to the terminal (not shown in the figure) installed in the issuing company of the card through the transfer unit 20.

Then, the terminal of the card-generating company judges the information factor of the predetermined merchant terminal to which the transmitted information is determined, and judges that illegal information or an error occurs and returns if the information is not predetermined information.

However, if the transmitted information is read as information of the predetermined merchant terminal, the user goes to the second step and transmits the payment amount inputted through the operation unit 30 to the terminal of the card generating company, And receives an acknowledgment signal.

The received payment amount is encrypted and received in accordance with a predetermined algorithm. The central processing unit 10 decodes the received payment amount and converts the received payment amount into original payment amount information. Then, the payment amount storage unit 80 And stored in the memory 82 through the central processing unit 81 to check the current residue.

Here, the balance information stored in the memory 82 is also encrypted according to a predetermined algorithm, and the central processing unit 81 reads the stored balance information and outputs it to the central processing unit 10.

Then, the central processing unit 10 goes to the third step, adds the received payment amount to the balance stored in the memory 82, and outputs the sum to the central processing unit 81, And proceeds to step 5 to check whether or not the encrypted amount has been stored. If the encrypted amount has been completed, the process returns to step 5, and if not completed, And transmits the occurrence of an error through the data transfer unit 20 to the company for processing.

On the other hand, if the payment amount is not confirmed in the first step, the user goes to the sixth step to check the state of the predetermined amount stored in the memory 82 of the terminal of the merchant. In order to store a predetermined amount in the card, And the merchant of the merchant operates the operation unit 30 to instruct the card reader / writer 50 to read the card, and when the user inputs an amount to be stored in the card, the central processing unit 10 The CPU 82 checks the balance stored in the memory 82 through the central processing unit 81 and judges whether the confirmed balance is insufficient.

At this time, when the remaining amount stored in the memory 82 is smaller than the amount to be stored in the card, the central processing unit 10 alerts the user of insufficient balance through the display unit 60 and the alarm unit 70, 82 is greater than the amount of money to be stored on the card, the central processing unit 10 goes to the seventh step and sends an amount to be stored on the card in the balance remaining in the memory 82 through the central processing unit 81 Decrypts it, and encrypts it through the central processing unit 81, stores it in the memory 82, and judges the balance remaining on the current card through the card read / write unit 50.

Then, the central processing unit 10 proceeds to the eighth step, adds the balance to the balance stored in the memory 82, and stores the balance in the card through the card reading /

Next, the recording content of the card is confirmed, and it is determined whether or not the recording is completed normally. When the recording is normally completed, the completion notification is transmitted to the issuing company of the card and notified.

When an error has not been recorded on the card, the central processing unit 10 controls the display unit 60 and the alarm unit 70 to alert the occurrence of an error and transmit the occurrence of an error to the issuing company of the card Take action against the occurrence of errors.

Meanwhile, in the above description, the predetermined amount is paid by the merchant, the predetermined company information is transmitted from the card-generating company to the merchant's terminal to store the payment amount in the memory, and a predetermined payment And the amount of money is stored as an example.

However, in carrying out the present invention, the card issuing company directly visits the franchisee of the card and directly stores the amount paid by the franchisee in the terminal of the franchisee, and when the terminal user of the franchisee Of the amount of money.

As described above, according to the present invention, when a user of a card stores a predetermined amount of money in a terminal of a merchant, the amount of money paid by the merchant through a plurality of merchant stores can be visited and stored at the merchant store So that the use of the card is very simple and troublesome, and the use of the card is enlarged.

Claims (8)

A first step of transmitting the terminal information and the payment amount of the merchant to the generation company of the card upon request from the merchant for confirmation of the payment amount; A second step of receiving the confirmation signal and the payment amount and determining the balance remaining in the merchant, a third step of adding the amount and the balance received in the second step, and the third step of adding the amount added in the third step A fifth step of checking the balance of the merchant terminal according to the input of the amount of money to be stored and stored in the card; a fifth step of, when the remaining amount is less than the amount to be stored in the card, Step 6 and, if the balance determined in Step 5 is greater than the amount to be stored on the card, the amount to be stored on the card is subtracted from the balance of the merchant And a seventh step of storing the charged amount of the card in the seventh step and a step of adding the payment amount of the card to the remaining amount of the card identified in the seventh step and storing the sum in the card. How to save. The method of claim 1, wherein the transmission of the amount paid in the second step is encrypted and transmitted, and the amount received in the third step is decrypted. The method according to claim 1, wherein the balance and the payment amount of the merchant are encrypted and stored and output. The method according to claim 1, wherein the fourth step is to check the storage state after the storage is completed to determine the occurrence of an error, and if an error occurs, transmit an error occurrence to the issuing company of the card Quot; The method according to claim 1, wherein, in the eighth step, after the storage of the card is completed, the storage state is checked. When an error occurs, an error is notified to the issuer of the alarm and the card. To the issuing company. The method of claim 1, A first step of confirming a balance of the merchant terminal according to input of an amount of money to be stored and stored in the card, a second step of alarming the insufficient balance when the remaining amount confirmed in the first step is less than the amount to be stored in the card, A third step of subtracting the amount of money to be stored in the card from the balance of the merchant when the balance confirmed in the second step is greater than the amount to be stored in the card, and storing the remaining amount of the card in the remaining amount of the card; And a fourth step of adding the payment amount of the card to the card and storing the added amount in the card. The method as claimed in claim 6, wherein the first step includes encrypting the balance of the merchant, storing the encrypted balance, reading the credit, and outputting the decrypted credit card. 7. The method according to claim 6, wherein the fourth step is to check the storage status after the storage is completed, notify the issuer of the alarm and the card when an error occurs, Wherein the method further comprises the steps of: