KR100273957B1 - Card payment method in sales management system - Google Patents

Abstract

PURPOSE: A method for a card payment in a sale management system is provided to enable a user who possesses a card to conveniently use a self-sale management system by automatically paying the volume of transactions without the user's signature on a sales slip. CONSTITUTION: A user's card is inserted(611). A password of the card is inputted(612). In case that a confirmation key is inputted(613), the volume of virtual transactions is set(614). Information on the card of the user is referred(615). A pre-approval for the card is requested(616). In case that the approval is performed(617), a self-sale is permitted, and the state of articles sale is displayed(619). The present volume of transactions is read and displayed(620). It is judged whether the self-sale is completed(621). The self-sale is cut off, and the state of cut-off is displayed(622). An approval for the card is requested(623). It is judged whether the approval is performed(624). A sales slip is outputted(625). The user's card is returned(626).

Description

Card payment method in sales management system

The present invention relates to a sales management system that can use a credit card or debit card (hereinafter, the present invention will be described as an example of a sales management system applied to a gas dispenser), in particular an article using a credit or debit card When the transaction price is settled, a card inquiry can be performed first to allow the actual goods transaction to be made with the approval of the virtual transaction amount first, and when the goods transaction is completed, the reapproval of the actual transaction price can be obtained and settled. In the sales management system, when there is a difference between the amount of the actual goods transaction and the amount of the card payment due to the customer's reason, it is possible to fundamentally eliminate the cause of the dispute between the customer and the dealer due to the refund of the difference. Not only can you pay the difference It can eliminate the disadvantages that can be received, and also eliminate the need for customer signatures on the card sales slip, and in some cases, make it possible to sell one-won self-sale. The present invention relates to a card payment method in a sales management system.

In general, the conventional sales management system is generally configured to pay the transaction price using cash or card, especially in the case of a high-priced sales system, the sales office communicates with a card issuer or a value-added network operator in order to increase the sales rate of goods. The card terminal connected through the line and the self-sales sales management system having an integrated sales manager for controlling the operation of the vending machine according to the approval result of the card terminal were installed to enable the purchase using the card. The salesperson for operating the terminal and the sales manager is made in the form of waiting in advance.

For example, FIG. 1 is a flowchart illustrating a method of self-fueling using a credit or debit card when the self-sale system is applied to a general gas tanker. The card customer may use a credit card or a debit card to a salesperson of an office adjacent to the gas tanker. After requesting to set up the desired fuel amount, the salesperson uses the card terminal to obtain approval for the use of the fuel amount, and receives the customer's signature on the card sales approval slip printed from the card terminal. A card approval lubrication amount is set in the gas lubricator by using a sales manager installed at the office. Therefore, the customer who has moved to the lubricator starts the lubrication by himself using the nozzle gun 5 and ends.

FIG. 2 is a flowchart illustrating a method of self-lubricating using a credit or debit card in a self-sale system in which an outdoor terminal (ODT) having an integrated card terminal and a sales manager is applied to a gas dispenser. Read the card using a credit or debit card reader (2) (or a cash machine; recognizer) 3 installed on an outdoor terminal installed adjacent to and then use the fueling setting key (1) on the outdoor terminal to set the desired amount of oil or fuel If the terminal is set, the outdoor terminal automatically obtains the card approval through serial communication, outputs the card sales approval slip to the receipt printer 4, and sets the approved fueling amount on the gasoline machine. . Therefore, after receiving the card sales approval slip, the customer moves to the lubricator, and starts and stops fueling by himself using the nozzle gun 5.

3 is a flowchart illustrating a method of self-fueling using a credit or debit card in a self-fueling system including a credit or debit card reader, a cash machine reader, a receipt printer, an indicator, and a fuel setting key. After the card is read using a credit card or debit card reader 2 installed on the gas supply machine, the oil supply setting key 1 is used to set the desired oil amount or oil amount. At this time, the self-lubrication system obtains a card use approval through a sales management system installed in an adjacent office, or the self-lubrication system obtains a card use approval through serial communication by itself, and sets the approved fueling amount or oiling amount in the gasoline. Therefore, when the customer starts and stops fueling by himself using the nozzle gun (5) located in the lubricator, the self-lubrication system outputs the card sales receipt to the receipt printer (4), and the customer receives the card sales receipt to receive the card. The self-lubrication operation used is completed.

In the self-lubrication system of FIGS. 1 to 3, the card customer must first acquire the card approval for the amount of gas to be refueled (acquiring after refueling has a dispute factor between the gas station and the customer depending on whether the customer card can be used). It is not suitable for fueling), but the customer must set the fueling amount in advance in order to obtain the card approval, but the customer cannot know exactly the empty capacity of his vehicle fuel tank, so he has to request the card approval for a similar amount.

As a result, an actual customer may be unable to refuel because the vehicle fuel tank becomes full during self-fueling, which may cause a refund problem for the difference between the amount of the credit card and the actual amount.

Moreover, it is more difficult if the card customer wants to cancel the refueling of the refueling amount already approved.

Therefore, if the card is approved after self-lubrication to solve this problem, the card is not approved in the case of a bad card, a serious dispute occurs between the customer and the fueling agent. In particular, the self-lubricator operated unattended had problems such as pre-lubrication and post-card approval accompanied with serious operational problems.

Therefore, the present invention has been created to solve the above problems, the present invention allows the actual transaction can be made in the state that first obtained the approval for the credit card or debit card in the sales management system, when the transaction is completed to the actual transaction price By reacquiring the re-approval, the automatic payment can be made. In particular, in the self-organized sales management system, the difference between the actual purchase amount and the card payment amount is generated and the cause of the dispute between the customer and the retailer is refunded. The self-sales management system can be used more conveniently by removing it, and in some cases, the self-sales of one unit can be provided, thereby providing a card payment method in the sales management system that can realize true unmanned self-sale. There is a purpose.

In order to achieve the above object, the present invention provides a card payment method of a sales management system in which a payment transaction amount is settled by a credit card or a debit card. Requesting card preauthorization for the transaction amount; Authorizing the sale of the goods and displaying the status if the card approval is approved for the virtual transaction amount in the card approval request step, and controlling the goods to be traded; Requesting reauthorization of the final transaction amount after discontinuing the sale of the goods in the goods transaction control step and displaying the status after disallowing the sale; In the card re-authorization request step, if the card re-authorization is authorized, the card payment method in the sales management system comprising the step of outputting the sales receipt and returning the card to reset to the initial sale state.

1 to 3 is a flow chart illustrating a method of self-fueling using a conventional credit or debit card

Figure 4 is a block diagram showing the internal configuration of the self-lubricator to explain the card payment method in the sales management system according to the present invention

5 is an exemplary self-lubricator of FIG.

6 is a flowchart illustrating a card payment method performed in the self-lubricator of FIGS. 4 and 5.

FIG. 7 is a flowchart illustrating another embodiment of FIG. 6.

8A to 8C are reference diagrams for explaining a card pre-authorization request and authorization path in the present invention.

9A to 9C are reference diagrams for explaining a card reauthorization request and authorization path in the present invention.

** Explanation of symbols for the main parts of the drawings **

100: oiler 110: oiler control unit

120: power supply unit 131: position detection unit

132: display unit 133, 255: setting unit

134: pulse generating unit 135: valve control unit

136: nozzle switch 137: solenoid valve

138: pump / flow meter 200: payment terminal

210: payment control unit 230: SAM

240: modem 251: bill recognition unit

252: MS card recognition unit 253: RF card recognition unit

254: IC card recognition unit 255: setting unit

256: LCD display 257: status display

258: audio output unit 259: receipt issue unit

Hereinafter, a card payment method in a sales management system according to the present invention will be described in detail with reference to the accompanying drawings. In particular, the present invention will be described with reference to an embodiment in which the present invention is supported and executed by a self-lubricator.

Figure 4 is a block diagram showing the internal configuration of the self-lubricator for explaining the card payment method in the sales management system according to the present invention, having at least one or more fuel ports, the external command for the oil supply in the fuel tank Lubricator control unit 110 is connected with a communication cable (RS-485) to be instructed to receive instructions from the control terminal of the, when the command to supply the oil is supplied in accordance with the opening and closing state of the nozzle switch and the nozzle latch corresponding to the number of the filling port Lubricator 100 for measuring the flow rate and converting the unit price and the amount per liter display while transmitting the corresponding amount again through the communication cable (RS-485); Recognition means for reading a variety of payment means, such as various types of cards or cash, each having a different information recording medium and payment method, and communication with each other through the fuel tank controller 110 and a communication cable (RS-485) Inquiry of the information read by the recognition means in the connected state in the possible connection, and if the information is valid, the final oil supply from the lubricator control unit when the lubrication in the lubricator is completed after the lubrication is allowed by communication with the lubricator control unit It can be configured as a payment terminal 200 having a payment control unit 210 for controlling the total amount of the automatic conversion processing according to the payment means and the transaction method payment method of the payment means.

In this case, the payment terminal 200 may further include a setting unit 255 as a means for selecting the type of payment means or oil supply method (quantitative oil supply or fixed amount oil supply) according to the user's intention. And as a means for displaying the service information required for fueling and payment, the LCD display unit 256 for displaying the service information on the key operation state of the setting unit in a text or graphic, and the service state of the device according to the key operation And a status display unit 257 for visually displaying information using a lamp or a light emitting diode, and a voice output unit 258 for displaying service information of the LCD display unit and the status display unit as a voice message. . In addition, a bill insertion slot for inserting a bill, and a bill recognition unit 251 may be provided with a built-in bill reader that can recognize a bill inside the bill insert, a card slot for inserting the card, and a constant Magnetic card readers and IC card readers that provide a card viewing window that can detect high-frequency (RF) cards within a distance, and access cards that use magnetic strips (MS) or chips (ICs) as information recording media. A card recognizing unit provided with a high frequency (RF) card reader inside the card slot and the card viewing window to drive the readers to recognize card information when the card is inserted into the card slot or through the card viewing window. 252, 253, and 254. A security access module (SAM) 230 for querying the card information read by the card recognition means in an off-line manner while being connected to communicate with each other through the oil tank controller and a communication cable; A communication interface circuit (modem) 240 may be provided to support data transmission and reception with a card issuer or a value-added network operator in order to inquire in a line manner. It may be configured to include a receipt issuing unit 259 for issuing a receipt for the oil supply amount under the control of the payment control unit.

In this case, the SAM 230 connected to the payment control unit 210 and the communication cable (RS-232) may be used to verify the suitability of the card read by the RF card recognition unit 253 and the IC card recognition unit 254. In addition, the payment control unit 210 is supplied with power from the power supply unit 120, the magnetic (MS) card recognition unit 252, the radio frequency (RF) card recognition unit 253 and the communication port (RS-232) A payment module such as an IC card recognition unit 254 and a bill recognition unit 251, a receipt issuing unit 259 for issuing a receipt, an LCD display unit 256 for providing a user with various instructions necessary for operation, and a device. It is connected to a status display unit 257 indicating the operation state of the, and a voice output unit 258 for providing voice information, and a setting unit 255 that can operate the required operation key.

At this time, the card recognition means may be equipped with all or part of the magnetic card recognition module, high frequency wireless card recognition module, IC card recognition module, cash recognition module according to the user's request, and can be adjusted according to the type of service required. .

In addition, the lubricator 100 is controlled by the lubricator control unit 110 supplied with power from the power supply unit 120. For example, the lubricator when refueling the vehicle, the nozzle switch 136 and the nozzle latch (not shown in the drawing). According to the opening / closing state of the tank, the oil is pulled up from the underground oil tank to the pump / flow meter 138, and the oil supply amount set by the gas lubricator setting unit 133 and the conversion amount for each unit price are displayed on the display unit 132. In this case, the detection signal is sent to the lubricator controller 110 by the pulse generator 134 and the position detector 131 mounted to the pump / flow meter 138, and the lubrication set value is calculated by calculation (program). In comparison with the differential control, the control signal is sent to the valve control unit 135 to control the solenoid valve 137 to control the supply flow rate. In this case, the fuel tank controller 110 may communicate with the controller 210 of the payment terminal 200 by RS-485 to operate the oil supply amount set in the setting unit 255 of the payment terminal 200 by the above procedure. have.

5 is a diagram illustrating an example of the self-lubricator of FIG. 4 to which the card payment method is applied in the sales management system according to the present invention. That is, the LCD display unit 256 displaying key operation status and necessary information in text or graphics, and a plurality of functions for setting a credit card setting key, an RF / IC card setting key, a cash setting key, and a fixed quantity / fixed oil supply. A setting unit 255 including a plurality of numeric keys and a cancel key or a modification key for setting keys or menus, and a receipt for a transaction price when a transaction is performed using a credit card, a prepaid card or a debit card, and cash. Receipt issuing unit 259, a card viewing window 253a capable of reading a high frequency card, a bill insertion slot 251a for bill entry / exit, a card slot 252a for MS card and IC card entry / exit and the like. It can be seen that it is mounted on the front surface, the nozzle 6a and the nozzle gun 6 to raise oil from the underground oil storage tank using a pump / flow meter, and the flow rate supplied from the nozzle to measure the unit cost and Shown with amount It may be provided with a display unit 132 of the lubricator.

FIG. 6 is an operation flowchart illustrating a card payment method performed in the self-lubricator of FIGS. 4 and 5 in which a payment transaction amount is settled by a credit card or a debit card, etc., according to the present invention. The card payment method comprises the steps of setting a virtual transaction amount and inquiring the card information and requesting a card approval for the virtual transaction amount when the confirmation key is input under the condition that the card is inserted and the card password is entered; If the card pre-approval for the virtual transaction amount is not authorized in the card pre-approval request step, the card is returned immediately after displaying the corresponding error, and if the pre-approval of the card is approved, the merchandise is authorized by selling the goods and displaying the status. Determining whether the self transaction is terminated by reading and displaying a transaction amount that is changed every time a product transaction is made after controlling to lose it; Requesting reauthorization of the final transaction amount after discontinuing the sale of the goods in the goods transaction control step and displaying the state after the sale is prohibited; When the card re-authorization request is authorized in the card re-authorization step, it may be performed (step 625, 626) to output the sales receipt and return the card to the initial sale state.

Although not shown in the drawing, in order to avoid the cumbersome key operation after the card is inserted, in some cases, a step of requesting a card pre-approval for the virtual transaction amount may be processed even under a condition that a card password is not input.

If the card preauthorization acquisition right obtained in the card pre-approval request step is confirmed that the card pre-approval is confirmed, the card pre-approval request is immediately canceled or when the sale is terminated in the goods transaction control step, the sale is stopped and the status is changed. In the state indicated, the card is automatically canceled before requesting the reauthorization of the final transaction amount, or if the card reauthorization is confirmed in the card reauthorization request step, the card is immediately deauthorized. Of course, each processing step can be changed to request a request.

FIG. 7 is an operation flowchart for explaining another embodiment of FIG. 6, in which a card customer can arbitrarily set a virtual transaction amount under a condition that a card is inserted and a card password is input, and is confirmed after the virtual transaction amount is set. Requesting card pre-approval for the virtual transaction amount by inquiring the card information when the key is input (711-717); If the card pre-approval for the virtual transaction amount is not authorized in the card pre-approval request step, the card is returned immediately after the corresponding error is indicated, and if the card pre-approval is authorized, the card is immediately requested to cancel the pre-approval of the virtual money. Authorizing the sale and displaying the status to control the goods transaction, and reading and displaying the changed transaction amount every time the goods transaction is made, and determining whether the sale of the goods is terminated or the actual transaction amount is equal to or exceeds the virtual transaction amount ( 718-723); If it is determined that the sale of the goods is terminated or the actual transaction amount exceeds the virtual transaction amount in the goods transaction control step, then the sale is disallowed after that and the status is displayed. 726); When the card re-authorization request is authorized in the card re-authorization step, it may be performed by outputting the sales receipt and returning the card to reset it to the initial sale state (727,728).

In this case, in order to avoid the cumbersome key operation after the card is inserted, in some cases, a step of requesting a card approval for a virtual transaction amount may be processed even under a condition that a card password is not input, and the card approval request step The card pre-acquisition acquisition right obtained in the above is automatically requested to cancel the pre-approval before requesting re-approval of the final transaction amount in the state in which the sale is stopped and the status is displayed in the goods transaction control step. Alternatively, if it is confirmed that the card reauthorization is authorized in the card reauthorization request step, the processing steps may be changed to immediately request the cancellation of the card preauthorization.

8A to 8C are reference diagrams for explaining a card approval request and an authorization path generated between the self-lubricator and a credit card company (or bank) according to the present invention, and FIGS. 9A to 9C are self-lubricator according to the present invention. Is a reference diagram illustrating a card reauthorization request and an authorization path generated between a credit card company and a credit card company (or bank).

That is, FIGS. 8A and 9A illustrate a case where a card approval system and a card purchaser (or a value-added network operator (VAN) or a refiner computer system) are used as intermediate stops, and FIGS. 8B and 9B show card purchasers (or value-added). FIG. 8C and FIG. 9C show a case where a self-lubricator directly communicates with a credit card company (or a bank).

In the card payment method of the self-lubricator, first, when the card customer reads the desired card in the card recognition unit (252-254) installed on the gas tanker, it is determined whether a password input and a virtual transaction amount are input (or immediately after card insertion). 8) The self-lubricator requests approval of the virtual transaction amount through the card approval system or other communication network or directly to the credit card company or bank as shown in FIGS. 8A to 8C, and then the card approval from the credit card company or the bank. If approved, the lubricator is set to be lubricated and the status is displayed so that the customer can know. Therefore, the customer can enter the password, set the fueling amount or the fueling amount and fill the fuel, or simply unload the card within the usage limit by reading the card without any key input.

Therefore, when the card customer sees the display state and recognizes that the fueling is permitted, and starts the fueling by himself using the nozzle gun located in the gas tanker, the amount changed by the fueling is read, and the fueling is completed or the actual transaction amount is already set. If the transaction amount is exceeded, the self-lubricator waits for the authorization to decline after requesting re-approval for the final fuel amount of the self-customer read from the gasoline to a credit card company or bank. At this time, if the card approval is already obtained from a credit card company or bank, the request can be canceled as soon as the approval is confirmed, or if a request for reauthorization is requested, the cancellation is automatically canceled first. You may request a re-approval or cancel the pre-approval after obtaining a re-approval. When the re-approval is confirmed in the re-authorization waiting state, the card sales receipt is output to the receipt printer and the card is returned, so that the card customer receives the card sales receipt.

The card payment method in the sales management system of the present invention as described above is not only to the self-lubricator illustrated in the drawings but also to the automatic toll collection system, the highway bus automatic ticketing system, or other sales management system in which the card payment is made. It is a matter of course that the present invention can be applied with a slight modification by ordinary knowledge.

According to the present invention as described above by using a credit or debit card to enable simple and fast self-purchase through the pre-approval of the customer card, and also because the card customer can receive the credit card even if you do not expect the transaction amount to purchase Refunds due to the difference in value after the actual goods transaction are handled automatically without any intervention by the card customer or the salesman, and do not require the signature of the card customer. Since it does not cause a real unattended self-sales, not only has the advantage of enabling the sale of the card, but also has the advantage of completely preventing the loss of the self-sale by the use of bad cards.

Claims (6)

In the card payment method of the sales management system to pay the sales transaction price by credit card or debit card, Requesting card pre-approval for the virtual transaction amount by inquiring the card information when the card is inserted and the virtual transaction amount is set; Authorizing the sale of the goods and displaying the status if the card approval is approved for the virtual transaction amount in the card approval request step, and controlling the goods to be traded; Requesting reauthorization of the final transaction amount after discontinuing the sale of the goods in the goods transaction control step and displaying the status after disallowing the sale; The card payment method in the sales management system comprising the step of outputting the sales receipt and returning the card to be reset to the initial sale state if the card re-authorization is authorized in the card re-authorization request step. The card payment method according to claim 1, further comprising the step of requesting a card pre-approval for the virtual transaction amount under the condition that the card password is input after the card is inserted. According to claim 1 or 2, wherein if the card approval for the virtual transaction amount is authorized in the card approval request step, after requesting again to cancel the authorization for the card approval, the sale is allowed and the status is displayed. Card payment method in the sales management system that executes the step of controlling the sale to occur in. The method according to claim 1 or 2, wherein the sale is terminated in the goods transaction control step, and the card is approved again for the final transaction amount after the request for cancellation of authorization for the pre-approval of the card is displayed in a state in which the sale is stopped and the status thereof is displayed. Card payment method in the sales management system to execute the step of requesting. According to claim 1 or 2, If the card re-approval is authorized in the card re-authorization request step, after requesting the cancellation of the authorization for the pre-approval of the card, the sales receipt is output and the card is returned to the initial sale state is reset Card payment method in sales management system. The final transaction according to claim 1 or 2, wherein after the sale of the goods in the goods transaction control step or when it is determined that the actual transaction amount is equal to or exceed the virtual transaction amount, the sale is disallowed and the final transaction is indicated after displaying the sale disallowed state. A card payment method in a sales management system that executes a step of requesting a card reauthorization of an amount.