KR100299010B1 - Method for paying selling price in selling managing system - Google Patents

Abstract

PURPOSE: A method for paying a selling price in a selling managing system is provided to perform an automatic transaction after acquiring an approval of a money corresponding to a virtual transaction using a personal ID recorded at a card or a tag, and acquiring the transaction money again when the transaction is completed. CONSTITUTION: If a card or a tag is inputted, a selling device reads a password of a card and a personal inherent identifier of a user from the card or the tag(311-312). It is detected whether a user is a normal user by checking the read password(313). In case of a normal user, if an encryption is requested, an ID encryption is processed(314-315). A virtual transaction amount of money is set from the user or a pre-set virtual transaction amount of money is read(316). A current setting value is displayed(317). If a transaction request checking key of the user is inputted, an ID and a pre-approval requesting message with respect to a virtual transaction amount of money are transmitted to a host server(319).

Description

Sales payment method in distributors management accounting system

The present invention relates to a sales management system for providing an electronic financial settlement service. The present invention relates to a method for paying a sales fee of a sales management system that performs a product transaction using a tag or a card and pays a transaction price. .

In general, the vending device is configured to pay for the transaction using cash or a card. With the general use of the card by the general public, the sales office has a card terminal connected through a communication line with a card issuer or a value-added network operator and a self-sale device having an integrated sales manager that controls the operation of the vending machine according to the approval result of the card terminal. By installing, it was possible to purchase using a card.

1 is a view for explaining a fueling method of a self-lubricator using a conventional card. The self-lubricator is composed of a credit or debit card reader 2, a cash machine reader 3, a receipt printer 4, an indicator and an oiling setting key 1 and the like. The customer reads the card using a credit card or debit card reader 2 installed on the lubricator, and then sets a desired lubrication amount or lubrication amount using the lubrication setting key 1. At this time, the self-lubricator acquires the card use approval through the sales management system installed in the adjacent office, or the self-lubricator acquires the card use approval through serial communication by itself and displays it on the indicator, and the approved fueling amount Or set the oil rate to the oiler. Therefore, when the customer starts and stops fueling by himself using the nozzle gun 5 located in the lubricator, the self-lubricator 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-lubricator of FIG. 1, the card customer must first obtain a card approval for the amount of gas to be charged. This is because the acquisition of the card approval after refueling is not suitable for self-fueling because there is a dispute between the gas station and the customer depending on whether the customer card can be used. After all, the customer needs to set the fueling amount in advance in order to obtain the card approval, but since the customer does not know exactly the empty capacity of his vehicle fuel tank, he has to request the card approval for a similar amount.

As a result, the actual customer may be unable to refuel because the vehicle fuel tank is full during self-fueling, and in this case, a refund problem may be generated for the difference between the amount of credit card authorization and the actual fueling amount. Moreover, it is more difficult when the card customer wants to cancel the oiling itself for the amount of oil already approved. If the card is approved after refueling to solve such a problem, a serious dispute may occur between the customer and the fueling agent because a bad card is not approved.

In other words, goods or services using a card or tag other than cash in a sales device or service device that needs to charge a service fee or a commodity transaction price, which can vary depending on circumstances such as a gas tanker, a pay channel, a cable TV, and a mobile phone. If you want to be provided, there is a need to provide an electronic financial settlement system that can pay the correct transaction price for goods traded by a legitimate user capable of payment.

Accordingly, the present invention was created in order to solve the above problems and satisfy the above necessity, using real personal identifiers recorded on a card or tag, and obtaining a real transaction price for the virtual transaction amount of a desired item. The purpose of the present invention is to provide a method of paying a sales fee of a sales management system that enables the payment to be made automatically and when the transaction is completed, the approval of the actual transaction price is obtained again and automatically settled.

The present invention for achieving the above object, in the sales management system comprising one or more sales devices for recognizing the unique identifier recorded on the card or tag, comprising a host server for personal credit management in the sales management system In the sales fee payment method, characterized in that in the sales device, the personal identification identifier recorded on the card or tag is read, and a pre-authorization request message for the virtual transaction value of the desired item is transmitted to the host server. In step 1, the host server reads a credit card number or a debit card number corresponding to a personal unique identifier of the received approval request message, and inquires the card number to obtain a preauthorization permission message for the virtual transaction amount. Step 2 of generating and transmitting to the vending device, the received approval in the vending device After confirming the approval of the permission message and confirming the result, if the result is positive, the product is sold within the authorized virtual transaction amount limit, and when the product sale is completed, a request for re-approval of the actual transaction amount is generated and transmitted to the host server. Step 3, in the host server, performing the payment for the actual transaction amount of the re-approval request message, generating a re-approval confirmation message and transmitting it to the sales device, in the sales device, the received re-approval confirmation And five steps of outputting transaction details of the message.

1 is a view for explaining a fueling method of a self-lubricator using a conventional card,

2 is a block diagram of a self-lubricator applying the sales fee payment method according to the present invention;

3 is a flowchart illustrating a method of paying a sales fee using a tag and / or a card according to the present invention;

4 is an operation flowchart for explaining the pre-approval process of FIG.

5 is an operation flowchart for explaining a sales procedure of FIG. 3;

FIG. 6 is a flowchart illustrating the re-approval process of FIG. 3.

* Explanation of symbols for main parts of the drawings

100: vending machine 200: payment terminal

210: payment control unit 230: security access module (SAM)

240: modem 251: bill recognition unit

252-1: MS card recognition unit 252-2: MS tag recognition unit

253-1: RF card reader 253-2: RF tag reader

254-1: IC card recognition unit 254-2: IC tag recognition unit

255 setting unit 256 LCD display unit

257: status display unit 258: audio output unit

259: receipt issue

Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings. An embodiment of the present invention is a sales management system applied to a self-lubricator.

2 is a block diagram of a self-lubricator applying the sales fee payment method according to the present invention. Self-lubricator is largely composed of the lubricator 100 and the payment terminal 200.

The lubricator 100 includes a lubricator control unit 110 having at least one filling port, and connected with a communication cable RS-485 to receive an instruction for refueling at the filling port from an external control terminal 200. . When the lubricator 100 receives a lubrication command from the control terminal 200, the lubricator 100 measures the flow rate of the lubricated oil according to the open / closed state of the nozzle switch 136 and the nozzle latch corresponding to the number of the lubrication holes, While displaying the amount is transmitted back to the control terminal 200 through the communication cable (RS-485).

The payment terminal 200 may include a bill recognition unit 251, a card recognition unit 252-1, 253-1, 254-1, a tag recognition unit 252-1, 253-1, 254-1, and a setting unit ( 255, display unit 256, status display unit 257, voice output unit 258, receipt issue unit 259, security access module 230, payment control unit 210, power supply unit 220 and modem 240 It consists of.

The banknote recognizing unit 251 may be configured with a banknote insertion hole and a banknote reader capable of recognizing the banknote.

The MS card and IC card recognizing units 252-1 and 254-1 provide a magnetic card reader and an IC card for accessing a card that uses a card slot and a magnetic strip (MS) or a chip (IC) as an information recording medium. A reader is provided inside the card slot to drive the readers to recognize card information. A high frequency (RF) card recognition unit 253-2 recognizes card information by driving a reader when the card passes through the viewing window by providing a card viewing window and an RF card reader inside the card viewing window for detecting an RF card. do.

The MS tag and IC tag recognition units 252-2 and 254-2 provide MS tag readers and IC tags that can access tags using a tag insertion hole, a magnetic strip (MS) or a chip (IC), etc. as an information recording medium. A reader is provided inside a tag slot to drive tag readers to recognize tag information. The RF tag recognition unit 253-2 provides a tag viewing window capable of detecting an RF tag, and an RF tag reader inside the tag viewing window, and drives the reader to recognize tag information when the tag passes through the viewing window. .

The payment terminal 200 may include recognition means capable of reading various payment means such as various types of cards, tags or cash, each having a different information recording medium and payment method, in addition to the bills, cards, and tags listed above. Please note that.

The payment control unit 210 is in communication with each other via the fuel tank control unit 110 and the communication cable (RS-485), and inquires the information read by the recognition means to the card company or the bank if the fueling machine control unit Lubrication is permitted by communication with 110. In addition, when refueling in the lubricator 100 is completed, the conversion amount for the final lubrication amount transmitted from the lubricator control unit 110 is settled, and controls the operation of the financial settlement process automatically according to the transaction payment method. .

The setting unit 255 may be implemented as a keypad for selecting the type of payment means or oil supply method (quantitative oil supply or straight oil supply) according to the user's intention.

The display unit 256 is a means for displaying service information necessary for oiling and payment, and may be implemented as an LCD that displays service information regarding a key operation state of the setting unit in text or graphics.

The status display unit 257 visually displays service information regarding an operation state of the device according to the key operation by using a lamp or a light emitting diode.

The voice output unit 258 guides the service information of the LCD display unit and the status display unit in a voice message.

The security access module 230 is connected to the payment control unit 230 and the communication cable (RS-232) so as to communicate with each other, the off-line method of the information read by the card recognition unit or the tag recognition unit Inquiry can be made by using the card or tag recognition unit 252-1 to 254-2. In addition, the SAM 230 may encrypt some of the read card or tag information by a predetermined encryption method such as a secret key or a public key, thereby securing security against leakage during transmission through the modem. have.

The modem 240 provides a communication interface for supporting data transmission and reception with a host server, a card issuer, or a value-added network operator in order to query the tag or card information on-line.

At this time, the card / tag recognition means may be equipped with all or part of the MS card / tag recognition unit, RF card / tag recognition unit, IC card / tag recognition unit, bill recognition unit according to the user's request, as well as necessary services Adjustable according to the type. In addition, the recording medium of the card or tag stores information including an individual unique identifier, and is not limited to the recording medium materials listed above.

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 the vehicle is lubricated, 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 pumped up from the underground oil tank to the pump / flow meter 138, and the oil supply amount set by the setting unit 133 of the lubricator is displayed on the display unit 132 while the nozzle is displayed. In this case, the detection signal is sent to the lubricator controller 110 by the pulse generator 134 and the position detector 131 mounted on the pump / flow meter 138, and the fuel is supplied by the calculation (program). In comparison with the set value, 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.

3 is a flowchart illustrating a method of paying a sales fee using a card and / or a tag according to the present invention. In the first embodiment of the present invention, the sales management system is connected to a sales device that recognizes a personal unique identifier recorded on a card or tag, and is connected to the sales device by a wired or wireless communication network and uses the personal unique identifier to perform a virtual transaction. And a host server for performing personal credit management, and an approval system connected to the host server through a wired or wireless communication network and paying the actual transaction of the vending device.

Referring to FIG. 3, when the card or tag is input in step 311-312, the vending device reads the card's password and the user's personally unique identifier (ID) from the card or tag recording medium, and in step 313 the tag or the card. Determines whether the user is a legitimate user by determining whether the password is the same as the read password. If the user is a legitimate user, the process proceeds to steps 314 to 315, and if the ID is encrypted according to whether the ID is encrypted, the ID is encrypted through the SAM (see FIG. 2). In step 316, the virtual transaction amount is set by the user or the virtual transaction amount preset in the device is read. In step 317, if the current setting value is displayed and the user's transaction request confirmation key is input, in step 319, a pre-approval request message for the ID and the virtual transaction amount is transmitted to the host server. Here, the password input step of step 313 may be omitted, and the ID encryption processing step of steps 314 to 315 may be omitted.

In step 320, the host server receiving the approval request message performs the approval process and transmits the approval response message containing the approval approval to the sales apparatus according to the result.

In step 321, the vending device enters step 322 in the case of disapproval by the received response message, displays an error, and immediately returns the tag or card. On the other hand, in the case of a preliminary approval, the user enters step 323 to permit the sale of the goods and displays the status of the goods to control the goods transaction. The product sales process is performed until input 324.

After the sale of goods is finished, the sale is disallowed and the status is displayed. In step 325, a re-approval request message for the actual transaction amount is transmitted to the host server.

In step 326, the host server receiving the re-approval request message performs the re-approval process and transmits the re-approval confirmation message to the sales apparatus according to the result.

In step 327, the sales apparatus receives the re-approval confirmation message, outputs the transaction receipt through the receipt issuer 259 (see FIG. 2), and returns the tag or the card to reset to the initial sale state.

In addition, if the approval approval right obtained in step 319 is confirmed that the approval is authorized, the card is immediately requested to cancel the approval, or when the sale is terminated in step 323, the sale is stopped and the status is displayed. Each processing step can be changed to request the cancellation of the approval before the request for re-approval of the transaction amount, or to request the cancellation of the approval immediately after the reapproval is confirmed in step 325. Of course.

FIG. 4 is a flowchart illustrating the pre-approval process of FIG. 3, which corresponds to step 320 of FIG. 3.

In step 400, the host server receives a pre-approval request message. The pre-approval request message includes an ID, a virtual transaction amount, and the like. Optionally, the pre-approval request message may include a sign bit indicating whether the user's password or ID is encrypted. In this case, the host server may assign an acceptance serial number to the pre-approval request message and use the pre-approval response, re-approval request, and re-approval confirmation processing.

In step 401-402, it is determined whether the ID of the pre-approval request message is encrypted, and the encrypted ID is decrypted according to a predetermined decryption method. In step 403, the credit card number or the debit card number corresponding to the ID is read out from the personal credit management database established in the host server, and the approval of the requested virtual transaction amount is determined based on the credit limit or the account balance. Generate an approval response message. In step 404, an approval message is sent to the sales apparatus. The approval response message includes an ID (or encrypted ID), a permit / disallow bit, and the like. In addition, it may include a credit or debit card number and the maximum amount available. The maximum limit may be used to suspend the service before the vending device receives the service or the item of more than the virtual transaction amount.

FIG. 5 is a flowchart illustrating the selling procedure of FIG. 3, which corresponds to step 323 of FIG. 3.

In step 500, the selling apparatus requests the host server to cancel the approval of the approved virtual transaction amount, and in step 501 permits the selling permission and displays the selling permission status. Subsequently, in step 502-503, the control is made to sell the goods, and the actual transaction amount and the virtual transaction amount are compared while reading and displaying the current transaction amount that changes every time the item transaction is made. If the actual transaction amount < virtual transaction amount, then it is determined in step 504 whether there is a system abnormality or a sale end key input, and if yes, step 505 is entered; if negative, step 502 is entered. If the actual transaction amount ≥ the virtual transaction amount or the end of sale, the sale is stopped in step 505 and the sale stop is indicated.

FIG. 6 is a flowchart illustrating the re-approval process of FIG. 3, which corresponds to step 326 of FIG. 3.

In step 600, the host server receives a reauthorization request message. The reauthorization request message includes an ID (or encrypted ID) and the actual transaction amount. It may also be a receipt serial number assigned by the host server instead of an ID.

In step 601, it is determined whether the ID is encrypted in the re-approval request message, and if it is encrypted, the process proceeds to step 602 to decrypt the encrypted ID. In step 603, the card number corresponding to the ID is read out from the personal credit management database established in the host server, the actual transaction amount is recorded by referring to the credit value or the account balance, the corresponding credit history is updated, and the re-approval confirmation message is sold. Send to the device. In addition, the financial institution is notified of the actual transaction amount in step 604. The reapproval confirmation message may be a simple ACK signal, or may consist of an ID (or encrypted ID), credit or debit card number, actual transaction amount, available credit limit, or available balance. If the acceptance serial number is used instead of the ID in the re-approval request message, the steps 601 to 602 may be omitted, and the credit details may be updated by inquiring the corresponding card number with the acceptance serial number in step 603.

The sales management system described with reference to FIG. 3 may provide a more rapid service in a system in which the host server is delegated a card settlement right from a card company or a financial institution.

In a second embodiment of the present invention, the sales management system includes a sales device that recognizes a unique identifier recorded on a card or a tag, and a card number for a personal unique identifier in a state connected to the sales device by a wired or wireless communication network. A host server that is being constructed, and an approval system that is connected to the host server via a wired or wireless communication network to permit a transaction of the vending device. In the host server of the present embodiment, the credit card number database for the ID or the debit card number database for the ID may be constructed, and the ID transmitted from the sales device may be converted into the card number to determine only the validity of the use card. The selling fee payment method of the above embodiment will be described below.

In the vending apparatus, the personally unique identifier recorded on the card or tag is read, and a approval request message for the virtual transaction value of the desired item is generated and transmitted to the host server. The authorization request message includes an individual unique identifier (encryptable) and a virtual transaction amount (fixed or variable).

In the host server, the personal identification identifier of the received authorization request message is decrypted if it is encrypted, and then a credit request number or a debit card number corresponding to the personal identification identifier is read to obtain a preauthorization request message for the requested virtual transaction amount. Create and send to approval system.

In the approval system, the card number of the received approval request message is inquired to determine whether to approve the virtual transaction amount, and a approval approval message is generated and transmitted to the host server.

The host server transmits the approval message to the vending device.

In the sales device, it is checked whether the received approval authorization message is approved, and if the confirmation result is positive, the product is sold within the authorized virtual transaction amount limit, and when the product sale is completed, a request for re-approval for the actual transaction amount is sent. Create and send to host server.

The host server sends the reauthorization request message to the approval system.

In the approval system, the payment is performed on the actual transaction amount of the received reapproval request message, and a reapproval confirmation message is generated and transmitted to the host server.

When the host server transmits the received reapproval confirmation message to the vending device, the vending device receives the reapproval confirmation message and outputs the transaction details.

In the third embodiment of the present invention, the sales management system is composed of the sales device, the host server, and the approval system of the second embodiment, and the processing method is similarly applied. The difference is that the host server establishes a database of card numbers for individual unique identifiers, downloads personal credit data with an approval system such as a financial institution, and checks the creditworthiness. Perform the process. The approval system may perform the re-approval process to transmit a re-approval confirmation message or signal to the vending device through the host server or directly to the vending device.

The sales fee payment method of the sales management system of the present invention as described above can be applied to a self-lubricator capable of tag or card payment, an automatic toll collection system installed on a highway toll gate, and an automatic highway bus ticketing system. In addition, it can be applied to pay TV channels, cable TV, video on demand (VOD) service system, mobile communication terminal, etc. to provide services to real users who have the ability to pay. You can prevent behavior. In addition, hotels and other services can be prevented from fraudulent acts that do not want to pay the accommodation fee after receiving the approval of re-approval after providing the service after receiving the approval of the customer's personal unique identifier.

As described above, the present invention requests a pre-approval for a virtual transaction amount through a host server having a personal credit management database in a sales device that reads a personal unique identifier recorded on a tag or a card, and then performs an actual transaction. Thus, the service can be provided to a legitimate user who can pay. In addition, by requesting and confirming the re-approval of the actual transaction amount, it is possible to solve the refund problem of the prepaid transaction by claiming the correct transaction price for the traded item. In addition, security can be maintained by encrypting a user's unique identifier recorded on a tag or a card.

Claims (3)

Price of merchandise sales in a sales management system comprising one or more vending devices that recognize the unique identifiers recorded on the card or tag, an approval system for allowing transactions of each vending device, and a host server for personal credit management. In the payment method, in the sales device, read the password and the unique identifier recorded on the card or tag, and confirms the validity of the user of the card or tag by receiving a user password, and the personally identified unique identifier identified A first step of encrypting according to a user's request using a predetermined encryption method, generating a preauthorization request message for the virtual transaction amount set by the user, and transmitting the encrypted request to the host server together with the encrypted personal unique identifier; The host server decrypts the encrypted personal unique identifier received together with the approval request message according to a corresponding decryption method to read a credit or debit card number corresponding to the personal unique identifier, and reads the read A second step of querying the card number to determine whether to approve the virtual transaction amount according to the inquiry result, generating a preauthorization permission message, and transmitting the generated preauthorization permission message to the sales device; In the selling apparatus, confirm whether the virtual transaction is approved in the pre-approval permission message to sell the product within the authorized virtual transaction amount limit, and generate a re-approval request message for the actual transaction amount when the product sale is completed. Transmitting to the host server; A fourth step of performing, at the host server, payment for the actual transaction amount of the re-approval request message, generating a re-approval confirmation message, and transmitting the re-approval confirmation message to the sales apparatus; And a fifth step of outputting the transaction details of the re-approval confirmation message in the sales apparatus. The method of claim 1, wherein the authorization system determines whether to approve the virtual transaction amount according to the card number inquiry and the inquiry result of the second step and generates a preauthorization permission message. How to pay the sales fee of the sales management system. The sales management system of claim 1, wherein in the approval system, a settlement is performed on the actual transaction amount of the re-approval request message of the fourth step, and a re-approval confirmation message is generated to process the step. How to pay the sales charge.