KR100363204B1 - System for exchange the items of an account use for vending machine and Method for exchange the items of an account - Google Patents

Abstract

The present invention is a vending machine that can purchase goods by using an electronic card, by storing the transaction history of the goods in the electronic card for settlement, and by the financial institution to settle the information recorded on the electronic card for settlement, The present invention relates to a transaction history settlement system of a vending machine and a settlement method thereof, which make the settlement cost cheaper than when performing online settlement and prevents errors in the settlement process.

The present invention has the advantage that it is possible to settle transaction details in a financial institution offline by using an electronic card for settlement, which is easy to carry by the operator and excludes illegal manipulations, excluding economic burden according to the online method. .

Description

System for exchange the items of an account use for vending machine and Method for exchange the items of an account}

The present invention relates to a transaction history settlement system of a vending machine and a settlement method thereof, and more particularly, in a vending machine that can purchase an article using an electronic card, storing a transaction history of the article in an electronic card for settlement, The financial institutions settle the information recorded on the electronic card for settlement, making the actual settlement work, making the settlement cost cheaper than online settlement, and preventing the errors in the settlement process. And a method of settlement thereof.

In the conventional commerce, the currency used is limited to banknotes, coins, checks, etc., but the introduction of a new currency concept is required due to the inconvenience and the risk of theft.

In particular, with the introduction of the concept of electronic commerce, a new concept payment method that has not been experienced in the real transaction has been required, and such a payment wallet and an electronic wallet with a credit card and an electronic chip are attracting attention.

In other words, with the establishment of the information age, various types of cards are diversified, and from simple recording media such as magnetic stripe cards, IC cards (Integrated Circuit) cards, which are integrated with electronic chips, are now provided.

In other words, the card is classified into a magnetic card using a magnetic film, a contact card by a contact terminal and a chip, and a RF contactless card. Among them, an electronic wallet may be mentioned as one example of the contact card, and one example of the contactless card may be a transportation wallet.

The contact card has a form in which a contact terminal and a contact electronic chip are embedded in a single card. As the contact terminal contacts a contact point of a card reader, the contact card has a form that can exchange various information with the card reader. That is, for example, the electronic wallet, when the user settles and charges a predetermined amount in the electronic wallet, the amount set by the user is charged in the contact type electronic chip in the electronic wallet. Thereafter, when the user presents the electronic wallet in response to a commerce activity such as a purchase of goods, and the seller inputs the electronic wallet into the card reader and inputs the settlement amount, the card reader reads from the amount already charged in the contact type electronic chip. By subtracting the settlement amount incurred in the transaction, the new amount is recorded so that the usage fee is settled.

In addition, the contactless card has a loop antenna and a contactless electronic chip embedded therein, and communicates with a card reader installed in a bus or a public telephone, so that the usage fee is settled.

Moreover, in recent years, the use range of such electronic cards has been expanded and applied to vending machines.

Conventionally, when a user possessing an electronic card purchases an item from a vending machine using the electronic card, the operator of the vending machine receives the settlement amount from the financial institution that issued the electronic card. There are two main ways to settle these transaction details.

First, in an online method, transaction information is transmitted in real time using a telephone line or a dedicated line to a vending machine, and financial institutions authenticate the transaction history information and transfer the authenticated transaction amount to the account of the vending machine operator. to be.

Secondly, in an offline manner, the vending machine operator stores the transaction history for a certain period of time (for example, several days) on the recording medium in the card reader, and the transaction information of the period stored in the recording medium is collectively transferred to the financial institution. The financial institution authenticates the transaction history information and transfers the authenticated transaction amount to the vending machine operator's account.

However, according to the conventional transaction history settlement method, the following problem (s) occurs.

First, in the case of the online method, the cost of the product is increased due to the purchase cost of the device (modem), initial installation cost, basic fee, and usage fee for using a telephone line or a leased line. Weight.

Second, in the case of the offline method, when the payment is directly settled by the financial institution through the recording medium of the card reader, a large card reader must be directly transported by the operator, which may cause theft and difficult the transport process.

Accordingly, the present invention is to solve such a problem (s), the object of the present invention is to remove the economic burden according to the online method, the operator is easy to carry and the electronic card for payment that excludes illegal operation behavior It is to provide a transaction history settlement system of a vending machine that allows a financial institution to settle transaction history information offline.

In addition, to provide a transaction history settlement method of a vending machine for achieving the above object of the present invention.

1 is a system operation state diagram for explaining the concept of the present invention,

FIG. 2 is a schematic block diagram of the vending machine shown in FIG. 1;

3 is a memory map structure diagram of a second storage area in the memory;

4 is a memory map structure diagram of an electronic card for settlement applied to the present invention;

5 and 6 is an operational flow diagram showing the performance of the settlement method according to the present invention,

5 is an operation flowchart of the central processing unit when the user's electronic card is inserted,

6 is a flowchart illustrating the operation of the central processing unit when the electronic card for settlement is inserted.

<Description of the code | symbol about the principal part of drawing>

100: financial institution 200: user electronic card

300: vending machine 301: central processing unit

302: Memory 303: Card Reader

304: security authentication unit 305: display unit

306: button input unit 307: timer

308: product discharge unit 309: settlement processing unit

400: electronic card for settlement 500: operator bank

A feature of the present invention for achieving such an object (s) includes a memory for temporarily storing card information recorded on a consumer electronic card and a settlement electronic card, and storing transaction history information generated through the consumer electronic card; If the inserted card is a consumer electronic card, the type of the card is inserted into the vending machine. If the inserted card is a consumer electronic card, the sales price is subtracted from the price information recorded on the consumer electronic card. A card reader for recording the data into an electronic card for settlement; A security authentication unit which determines whether the electronic card inserted into the vending machine is usable using the card information, and gives a security authentication code to the transaction details information after the transaction is completed; A timer for generating time information including a date and time at which the transaction occurred; A settlement processing unit for transferring the transaction history information stored in the memory into an electronic card for settlement; The card information recorded on the electronic card is detected and stored in the memory through a card reader. If the type of the electronic card determined by the card reader is a consumer electronic card, the price of the merchandise sold from the price information recorded on the consumer electronic card. Transfer the amount information to the card reader, and generate the transaction history information including the card information of the consumer electronic card, the time information provided from the timer and the security authentication code provided from the security authentication unit, and stores in the memory, the card reader If the type of the electronic card determined by the settlement electronic card, the central processing unit for controlling the transaction history information stored in the memory transfer to the settlement electronic card for recording, and then delete the transfer recorded transaction history information from the memory, have.

The memory may include: a first storage area in which basic information including file name, address information, and file size of transaction history information to be recorded in the transaction history information recording area is recorded; It is preferable to include a second storage area in which transaction details information including card information, transaction amount and time information, etc. when an actual transaction situation occurs is recorded.

In addition, the settlement electronic card includes a fixed data area in which unique information of the card including the authentication number of the settlement electronic card for determining whether the inserted card is an settlement electronic card is recorded; It is preferable to include an available data area for transferring and storing transaction history information stored in the second storage area of the memory.

On the other hand, another feature of the present invention, a vending machine that can purchase goods through the user's electronic card: when the electronic card is inserted, collects the card information recorded on the electronic card, the electronic input through the collected card information Determine whether the card is a user electronic card or a payment electronic card; If the inputted electronic card is a user electronic card, the merchandise available for sale is selected and sold from the balance information recorded on the user electronic card; New price information is recorded by subtracting the price of the goods sold from the balance information recorded on the user electronic card; Store transaction history information including card information of a user electronic card and time information indicating a point of sale of a product; If the inserted electronic card is an electronic card for settlement, authenticating the electronic card for settlement from the card information recorded in the electronic card for settlement; When it is determined that the payment card is a normal payment, the transaction information is recorded in the payment electronic card for payment, and then the transaction information recorded in the transfer is deleted.

Here, after assigning a security authentication code for approving the transaction history information, it is preferable to record the security authentication code in addition to the transaction history information.

Also, at the time of selling the product and storing the transaction history information, a recognition code is added to the transaction history information and recorded; When recording the stored transaction history information on the settlement electronic card, it is preferable to verify whether the stored transaction history information is abnormal by verifying a recognition code, and selectively record only normal transaction history information on the settlement electronic card.

Hereinafter, exemplary embodiment (s) of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are displayed on different drawings. In addition, in the following description there are shown a number of specific details, such as components of the specific circuit, which are provided only to help a more general understanding of the present invention that the present invention may be practiced without these specific details. It is self-evident to those of ordinary knowledge in Esau. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 shows a system operation state diagram for explaining the concept of the present invention, FIG. 2 shows a schematic block diagram of the vending machine shown in FIG. 1, and FIG. 3 shows a memory map of a second storage area in the memory. 4 is a block diagram showing the memory map of the electronic card for payment applied to the present invention, and FIG. 5 and FIG. 6 are flowcharts showing the process of performing the settlement method according to the present invention.

First, the configuration of the present invention will be described with reference to FIGS. 1 to 4, and the user pays a certain amount of charge to the financial institution 100 and provides the amount information corresponding to the amount of charge to the user's electronic card 200. To charge.

When the user wants to receive the goods of the vending machine 300 by using the user's electronic card 200 filled with a predetermined amount, the vending machine 300 detects the card information recorded in the user's electronic card 200. Then, the transaction is recorded on the storage medium together with the transaction amount information, and the new amount information is recorded by subtracting the goods price from the charge amount recorded on the user electronic card 200 through the card reader.

Meanwhile, the settlement electronic card 400 receives and records transaction history information recorded on a storage medium in the vending machine 300, and submits the settlement electronic card 400 to the financial institution 100. ) Authenticates the transaction history, and transfers the transaction amount corresponding to the transaction history to the operator transaction bank 500.

Meanwhile, referring to FIG. 2, the configuration of the vending machine 300 will be described. The central processing unit 301 generally controls various operations of the vending machine 300 and instructs the operation state of each component.

The memory 302 stores various programs to be executed by the CPU 301, and includes a first storage area for temporarily storing card information and a second storage area for storing transaction details.

The card reader 303 determines the type of the electronic card inserted into the vending machine 300, updates and records the price information recorded in the consumer electronic card 200, and stores the memory 302 in the electronic card 400 for settlement. Record transaction information stored in the second storage area.

The security authentication unit 304 determines whether the corresponding electronic card can be used based on the card information detected from the electronic card inserted into the vending machine 300. In addition, the security authentication unit 304 grants a security authentication code to the transaction details after the transaction is completed so that the transaction details can be approved by the financial institution 100 after analyzing the security authentication code.

The display unit 305 displays the types of items that can be provided by the vending machine 300 so that the user can identify them, based on the amount information recorded on the user's electronic card 200 put in by the user.

The button input unit 306 may provide a plurality of buttons corresponding to one-to-one items available on the vending machine 300 so that a user may select an item to be purchased, a settlement button for the operator to request a settlement operation, and input of the corresponding button. It consists of sensing means for sensing.

The timer 307 is configured with a real time clock (RTC), and provides time information at the time when a transaction occurs.

The article discharge unit 308 is operated according to the final sales instruction of the central processing unit 301, and discharges the product selected by the user to the outside.

The settlement processing unit 309 transfers the transaction history information stored in the second storage area of the memory 302 to the settlement electronic card 400.

On the other hand, the second storage area in the memory 302 is composed of a basic information area of approximately 64 [Kbyte] and a transaction history information recording area of approximately 128 [Kbyte] (see Fig. 3). Here, the basic information area includes basic information such as file name, address information, and file size of the transaction history information to be recorded in the transaction history information recording area, and the transaction history information recording area includes card information when an actual transaction situation occurs. Transaction information including transaction amount and time information is recorded.

In addition, the settlement electronic card 400 is divided into a fixed data area of approximately 1 [Kbyte] and an available data area of approximately 7 [Kbyte] as shown in FIG. 4. Here, in the fixed data area, the unique information of the card including the authentication number of the electronic card 400 for settlement is recorded, and the basic authentication procedure (for example, the type of electronic card is determined) with reference to this authentication number. Will go through. The available data area also stores various transaction details stored in the second storage area in the memory 302.

Referring to Figures 5 and 6 with respect to the operation of the present invention having such a configuration as follows.

<If you purchase a product using a user's electronic card>

When the user wants to purchase the product of the vending machine 300 using the user's electronic card 200, as shown in FIG. 5, first, the user places the user's electronic card 200 in the card reader 303. Put into or touch. Accordingly, the card reader 303 notifies the central processing unit 301 that the user electronic card 200 has been inserted or touched, and then waits until an operation instruction of the central processing unit 301 is received.

The central processing unit 301 receives a card input signal from the card reader 303 (S1) and outputs a control signal for controlling the card reader 303 to collect card information (S2).

In this case, the serial number of the card, balance information, and transaction count information are recorded in the user electronic card 200, and the card reader 303 under the control of the central processing unit 301 is the user electronic card 200. Detects card information (such as the card serial number and balance information and transaction count information) recorded in the transfer to the central processing unit 301, the central processing unit 301 is the electronic currently input through the security authentication unit 304 Determine the type of card. At this time, if the inserted electronic card is a user electronic card 200, since the serial number of the card is stored in the user electronic card 200, the central processing unit 301 is the electronic card inserted through the user's electronic card ( 200) (S3).

Thereafter, the central processing unit 301 stores the card information detected by the card reader 303 in the first storage area in the memory 302 (S4).

In addition, the central processing unit 301 determines the type of goods that can be sold within the range of the corresponding balance information using the balance information among the card information detected from the user electronic card 200 (S5), and displays the display unit ( The controller 305 is displayed to display the merchandise for sale by the user (S6), and the user waits to select an arbitrary product (S7).

Thus, when the user operates a button corresponding to any one of the merchandise available for sale displayed by the display unit 305 (S8), the button input unit 306 sends a control signal corresponding to the input button to the central processing unit 301. ), The central processing unit 301 temporarily stores the product price corresponding to the product transmitted from the button input unit 306 in the first storage area of the memory 302 (S9).

In addition, the central processing unit 301 controls the card reader 303 to settle and record new value information by subtracting the item price from the balance information recorded on the user electronic card 200. That is, the central processing unit 301 generates new balance information by subtracting the item price from the balance information recorded in the first storage area of the memory 302, and transmits the new balance information to the card reader 303 for the user. Request to update the balance information recorded in the electronic card 200 (S10). Accordingly, the card reader 303 deletes the balance information recorded on the user electronic card 200 and records the new balance information transmitted from the central processing unit 301 on the user electronic card 200.

When such a process is normally completed, the central processing unit 301 controls the timer 307 to request time information (S11), thereby transmitting time information including the current time and date from the timer 307. The data is stored in the first storage area of the memory 302 (S12).

Thereafter, the central processing unit 301 performs a security authentication operation of the transaction history information through the security authentication unit 304. Here, the security authentication operation takes a method of generating a security authentication code according to a pre-defined program to add to the transaction history information (S13). Transaction history information generated through this process is transferred from the primary storage area in the memory 302 to the secondary storage area and stored (S14) (see FIG. 3). In addition, the central processing unit 301 controls to discharge the corresponding article selected by the user by controlling the article discharge unit 308 when the security authentication code is normally generated (S15).

＜ To settle transaction details using an electronic card for settlement ＞

First, the settlement electronic card 400 has a memory map configuration as shown in FIG. That is, card information including the security authentication number of the electronic card is recorded, and the card authentication unit 304 uses the card information to perform basic authentication operations (for example, types of electronic cards) of the electronic card. Discrimination, etc.).

In other words, when the operator wants to settle transaction details recorded in the vending machine 300 using the settlement electronic card 400, as shown in FIG. 6, the operator first sets the settlement electronic card 400. After entering or contacting the card reader 303, a settlement button in the button input section 306 is input to instruct the settlement operation. Accordingly, the card reader 303 notifies the central processing unit 301 that the payment electronic card 400 has been inserted or contacted, and then waits until an operation instruction of the central processing unit 301 is received.

The central processing unit 301 receives a card input signal from the card reader 303 (S1) and outputs a control signal for controlling the card reader 303 to collect card information (S2).

At this time, the security authentication number and the like of the electronic card is recorded in the settlement electronic card 400, the card reader 303 under the control of the central processing unit 301 is the card information recorded in the settlement electronic card 400 ( Security authentication number, etc.) is detected and transmitted to the central processing unit 301, and the central processing unit 301 transmits the card information detected by the card reader 303 to the security authentication unit 304 to Determine the type.

Here, the central processing unit 301 determines the type of electronic card currently inserted through the security authentication unit 304. At this time, if the inputted electronic card is the payment electronic card 400, since the security authentication number of the card is stored in the payment electronic card 400, the central processing unit 301 is the electronic card inserted through the payment electronic card 400 Recognize that (S16).

If the inputted electronic card is determined to be the payment electronic card 400, the CPU 301 detects the input state of the settlement button (S17), and if the settlement button is input, the transaction stored in the second storage area of the memory 302. The details information is detected and each transaction history information is sequentially transmitted to the card reader 303.

Here, the central processing unit 301 determines whether the transaction history information stored in the second storage area is normal information. That is, the transaction history information stored in the second storage area includes a recognition code given when the transaction is transferred from the first storage area, and the recognition code is the identifier of the identifier assigned to the beginning of each transaction history information and each transaction history information. Contains the check sum given at the end. Therefore, the central processing unit 301 determines whether the transaction history information stored in the second storage area is modified or normal transaction history information by matching the recognition codes included in the transaction history information (S18, S19). ). In this case, since the transaction information is not recorded in the electronic card 400 for settlement, the transaction details that have been illegally modified are not approved.

Further, in the process of transferring the transaction information stored in the second storage area of the memory 302 to the electronic card 400 for settlement, the central processing unit 301 stores a plurality of transactions stored in the second storage area of the memory 302. After detecting the first transaction history information of the two transaction history information and transfer it to the first storage area, the first transaction history information recorded in the first storage area is transmitted to the card reader 303 and transferred to the settlement electronic card 400 After recording, it is preferable to delete the transaction recorded transaction information from the memory 302 (S20), and to repeat the process in one transaction history information unit (S21).

In addition, when the storage capacity of the settlement electronic card 400 is less than the amount of information of the transaction history information stored in the second storage area of the memory 302, the transaction history information is recorded as much as the recordable capacity of the settlement electronic card 400 The remaining transaction history information is processed again at the next settlement point (S22).

Through this process, when the operator notifies the financial institution 100 through the settlement terminal installed in the financial institution 100 or the operator's own computer, the settlement electronic card 400 in which transaction details are transferred and transferred, the financial institution 100. Detects the security authentication code included in the transaction history information, and determines whether the detected security authentication code is in a normal state to authenticate the transaction. When the transaction history information is authenticated, the financial institution 100 detects the transaction amount information (the total amount of the product price) corresponding to the transaction history information and transfers the corresponding amount to the operator transaction bank 500 to complete the settlement operation.

As described above, although the specific embodiment (s) have been described in the detailed description of the present invention, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiment (s), but should be defined by the claims below and equivalents thereof.

As a result, according to the transaction history settlement system of the vending machine according to the present invention and its settlement method, the following advantage (s) occurs.

In other words, it is possible to settle transaction details in a financial institution offline by using an electronic card for settlement, which is easy to carry by the operator and excludes illegal manipulations, excluding economic burden according to the online method.

Claims (6)

A memory for temporarily storing card information recorded on the consumer electronic card and the settlement electronic card, and storing transaction history information generated through the consumer electronic card; If the inserted card is the consumer electronic card, the type of the card is inserted into the vending machine. If the inserted card is the consumer electronic card, the selling price is subtracted from the price information recorded on the consumer electronic card. A card reader for recording transaction details on the electronic card for settlement; A security authentication unit which determines whether the electronic card inserted into the vending machine is usable using the card information, and grants a security authentication code to the transaction details information after the transaction is completed; A timer for generating time information including a date and time at which the transaction occurred; A settlement processing unit for transferring the transaction history information stored in the memory to the settlement electronic card; And The card information recorded on the electronic card is detected and stored in the memory through the card reader, and when the type of the electronic card determined by the card reader is the consumer electronic card, the card information recorded on the consumer electronic card is recorded. And transmits the amount of money information obtained by subtracting the price of the product sold from the amount of money information to the card reader, wherein the time information provided from the card information of the consumer electronic card, the timer, and the security authentication code provided from the security authentication unit. Generating and storing the transaction history information, including the transaction history information, and transferring the transaction history information stored in the memory to the settlement electronic card when the type of the electronic card determined by the card reader is the settlement electronic card. Then, the transaction history information recorded in the transfer from the memory Transaction history settlement system of the vending machine including a central processing unit for controlling to delete. The method of claim 1, wherein the memory, A first storage area in which basic information including file name, address information, and file size of transaction history information to be recorded in the transaction history information recording area is recorded; And A transaction history settlement system of a vending machine including a second storage area in which transaction history information including card information, transaction amount, time information, and the like when an actual transaction situation occurs is recorded. The method of claim 2, wherein the electronic card for payment, A fixed data area in which unique information of a card including an authentication number of the settlement electronic card for determining whether the inserted card is the settlement electronic card is recorded; And And an available data area for transferring and storing the transaction history information stored in the second storage area of the memory. In a vending machine where you can purchase goods through your electronic card: When the electronic card is inserted, collecting card information recorded on the electronic card, and determining whether the electronic card inserted through the collected card information is the user electronic card or the electronic card for settlement; If the inputted electronic card is the electronic card for the user, selecting and selling a product that can be sold from the balance information recorded on the electronic card for the user; Recording new price information by subtracting the price of a product sold from the balance information recorded on the user electronic card; Storing transaction history information including the card information of the electronic card for the user and time information indicating a point of sale of the product; Authenticating the payment electronic card from the card information recorded on the payment electronic card if the inserted electronic card is the payment electronic card; And determining the normal payment electronic card in the authentication step, transferring the stored transaction history information to the payment electronic card, and then deleting the recorded transaction history information. The method of claim 4, wherein the storing of transaction details information comprises: And assigning the security authentication code to approve the transaction history information, and recording the security authentication code in addition to the transaction history information. The method of claim 4, wherein Recording a transaction by adding a recognition code to the transaction history information at the time of selling the product and storing the transaction history information; When the stored transaction history information is recorded on the settlement electronic card, the identification code is verified to check whether there is an abnormality of the stored transaction history information, and only normal transaction history information is selectively recorded on the settlement electronic card for transfer. How to settle the transaction history of the vending machine.