KR100515087B1 - System and method for card accounting based on pre-approval - Google Patents

Abstract

The present invention relates to a payment system and method using a card, and in particular, by using a pre-approval method that pre-approves the use of some amount of the credit limit amount, the transaction can be directly executed through offline inquiry, and the usage fee is postpaid. To minimize the risk of credit transactions.

To this end, the present invention, in the system for paying the fare with a card at the entrance gate, such as a highway or subway, the approval card approved by the card issuer to use some of the amount of the credit limit, passing through the entrance gate If the approval card and the balance of the user's card are available, the balance can be deducted from the fixed amount corresponding to the destination, the transaction serial number, and information about the destination in the approval card. It provides a card payment system of a pre-authorization method including a card terminal for checking whether the destination of the card and the destination of the user match, and an authorization / payment server that post-pays the payment of the fixed amount requested from the card terminal.

Therefore, not only does not require the user's signature when offline inquiry, but also can be used safely and quickly first through the pre-approved card without having to anticipate the usage fee. In addition, the fee may be paid after payment for a certain period.

Description

Prepaid Card Payment System and Method {SYSTEM AND METHOD FOR CARD ACCOUNTING BASED ON PRE-APPROVAL}

The present invention relates to a payment system and method using a card, and in particular, by using a pre-approval method that pre-approves the use of some amount of the credit limit amount, the transaction can be directly executed through offline inquiry, and the usage fee is postpaid. The present invention relates to a card payment system and a method of pre-approval method to minimize the risk of credit transactions.

Conventional payment systems have generally paid for transactions using cash or cards. Recently, the need for using a card is also required for transactions below a certain amount in consideration of the explosive increase in card use and convenience of customers.

In particular, there has been a review to apply a card using an RF chip or an integrated circuit (IC) to various applications, but the expected cost of applying the card is not offset, and thus it is not expanded to related businesses.

Most card information retrieval methods use an online (via wired or wireless communication line) retrieval method for directly retrieving card information by directly communicating with the card issuer. In addition, a method of inquiring card information indirectly through an intermediate relay host may be used.

In particular, online credit card is applied to credit card, so every time you use it, you have to check the transaction online, and you have to process credit check or balance check and transaction approval by online communication.

However, in the case of a payment that requires quickness such as a highway toll gate or a parking lot and a low usage fee, there is a problem in that communication cost, inquiry cost, and management cost according to online inquiry are excessively consumed.

In addition, there is a problem that there is no profit because the management cost is higher than the profit that can be obtained by secure payment, and there is a problem in that it is not possible to expand card transactions in areas (places) where online inquiry is not possible locally.

In addition, the prepaid card or debit card had a problem such as to pay in advance the amount corresponding to the usage amount in cash.

The present invention has been made to solve this problem, the present invention by using a pre-approval method approved in advance of the use of some of the amount of credit limit, the transaction can be immediately executed through the offline inquiry, The purpose is to provide a pre-authorized card payment system and method that can minimize the risk.

It is another object of the present invention to provide a pre-authorized card payment system and method that can post-pay a payment generated when a transaction is executed through an offline inquiry in a pre-approved method.

It is still another object of the present invention to provide a pre-approval card payment system and method for performing a transaction by receiving an additional payment through online when the balance is exceeded when an offline inquiry is performed in the pre-approval method.

In one embodiment of the present invention, in order to achieve the above object, in a system for paying a fare with a card at an entrance gate, such as a highway or a subway, the card issuer has previously approved the use of some of the amount of the credit limit of the individual. An approval card; In the case of a pre-approved card that can be used by querying the pre-approved number and the balance of the user card when passing through the entrance gate, the balance, transaction serial number, and information about the destination are stored in the pre-approved card. A card terminal for checking whether a destination of the pre-approved card coincides with a destination of the user when passing through an exit gate; And it provides a pre-authorized card payment system including an approval / payment server for processing the payment of the fixed amount requested from the card terminal to postpay.

In addition, in the present invention, the card terminal, if the destination and the destination does not match at the exit gate, the balance of the approved card, and update the details of the transaction serial number online approval method, characterized in that The above problem is solved as a card payment system.

In addition, in the present invention, the card terminal solves the above-described problem as a card payment system of the pre-approved method, characterized in that the user's card is inquired in an offline manner.

In the present invention, the system further includes a center terminal for storing the fixed amount information requested by the card terminal for a predetermined period and requesting payment to the approval / payment server collectively; The above-mentioned problem is solved as a system card payment system.

In addition, in the present invention, the pre-approval card payment, characterized in that the pre-approved number, the balance, the transaction serial number and information about the destination stored in advance approved by the card issuer The system solves the above problem.

Further, in the present invention, the pre-approval card solves the above-mentioned problem as a pre-approval card payment system, characterized in that it is composed of an IC card using an IC chip as an information recording medium.

In addition, in the present invention, the pre-approval card solves the above-mentioned problem as a pre-approval card payment system, characterized in that the RF card using an RF signal as an information recording medium.

In addition, in the present invention, the pre-approval card solves the above-mentioned problem as a pre-approval card payment system, characterized in that consisting of a flash card including an EEPROM PACK or RAM PACK. .

Further, in the present invention, the card terminal includes a card reading / recording unit capable of reading or recording information from various types of cards having different information recording media; A security module for generating additional information for accessing the information stored in the card; A storage unit for storing the transaction serial number and the fixed amount information; Communication unit for supporting data transmission and reception with the approval / payment server; And inquiring the approval number and the balance stored in the card by using the additional information, and if the available approval card is available, store the transaction serial number and the settlement amount information in the storage unit, and the approval / payment through the communication unit. The above-mentioned problem is solved by the card approval system of the pre-authorization method characterized by including the central control part which requests the server for payment of a fixed amount.

In addition, in the present invention, the central control unit is a pre-approval card payment system, characterized in that for requesting additional payment approval online to the approval / payment server in the case of a pre-approval card that the determined amount exceeds the balance. Solve one task.

In another embodiment of the present invention to achieve the above object, in a card payment method in a system for paying a card at an entrance gate, such as a highway or subway, (a) the approval number of the user card when passing through the entrance gate Querying the balance with; (b) in the case of the available approval card, storing the balance, the transaction serial number, and the information about the destination, in which the settlement amount corresponding to the destination is deducted; (c) verifying that the destination of the pre-approved card coincides with the destination of the user when passing through the exit gate; (d) requesting payment of the fixed amount; And (e) provides a pre-authorized card payment method comprising the step of processing the payment of the requested settlement amount as a post-payment.

In addition, in the present invention, step (a) and step (c) solve the above-mentioned problem as the card payment method of the pre-approved method, characterized in that the card is inquired in an offline manner.

Also, in the present invention, the step (c) may include updating the remaining balance of the approved card when the destination and the destination do not match at the exit gate; And (c2) updating the details of the transaction serial number online, thereby solving the above-described problems.

In addition, in the present invention, the step (c1) solves the above-mentioned problems as a pre-approval method of card payment method, characterized in that for the pre-approval card that the settlement amount exceeds the balance, request for additional payment approval online. do.

In addition, in the present invention, step (a) comprises the steps of (a1) reading information from the card; (a2) generating additional information to access the information stored in the card; And (a3) inquiring a pre-approved number and balance approved in advance by the card issuer using the additional information.

In addition, in the present invention, the step (a) further comprises the step (a4) of the pre-approval card, in the case of the pre-approval card in which the determined amount exceeds the balance, requesting additional payment approval online. The problem mentioned above is solved as a settlement method.

In the present invention, the step (c) further comprises the step (f) of storing the settled amount information requested by the card terminal in the center terminal for a predetermined period and requesting payment in bulk. The above-mentioned problem is solved as a card payment method of a preauthorization method.

The objects, features and advantages of the present invention will be more readily understood by reference to the accompanying drawings and the following detailed description.

The present invention can directly use the highway or the subway even by offline inquiry using a pre-approved card that has been approved in advance of the use of some of the amount of credit limit of the individual from the card issuer, the use fee is a postpay payment method and A system implemented to support it is proposed as a preferred embodiment.

1 is an embodiment showing a card payment system of a pre-approved method according to the present invention. Referring to Figure 1a, the present invention is approved / connected to the pre-approved card 100, the card terminal (200, 201) and the communication network 300 approved by the card issuer to use some of the amount of personal credit limit amount / It includes a payment server 400.

The communication network 300 connecting the card terminal 200 and the authorization / payment server 400 is preferably connected to the Internet network or a dedicated line.

The entrance card terminal 200 inquires the approval number and the balance of the user card when the user passes through the entrance gate, and if the available authorization card is available, the balance and transaction serial number and the destination are deducted. Information is stored in the approval card (100).

At this time, in the case of a pre-approval card in which the determined amount exceeds the balance, the approval / payment server 400 requests an additional payment approval online. Upon receiving approval for the additional payment from the approval / payment server 400, the card terminal 200 of the entrance stores the balance, the transaction serial number, and the information about the destination in the approval card 100.

The exit card terminal 201 checks whether the destination of the pre-approved card 100 coincides with the destination of the user when the user passes through the exit gate. If the destination and the destination do not match, the balance of the approved card 100 is updated and the details of the corresponding transaction serial number are updated online.

Even at this time, if the determined amount exceeds the balance, the exit card terminal 201 requests the approval of the additional payment online from the approval / payment server 400. Then, when the approval for the additional payment from the approval / payment server 400, the exit card terminal 201 updates the balance of the pre-approved card 100.

The authorization / payment server 400 processes the payment of the fixed amount requested from the card terminal 200 or 201 as a postpayment.

As another embodiment of the present invention as shown in Figure 1b the terminal terminal 500 for storing the fixed amount information requested by the card terminal 200 for a predetermined period of time to request the payment to the approval / payment server 400 collectively It may further include. At this time, the center terminal 500 is, for example, is preferably installed in the Korea Expressway Corporation to manage the highway toll gate.

In FIG. 1, the approval card 100 includes information about a approval number, a balance, a transaction serial number, and a destination that have been previously approved by the card issuer.

The approval card 100 may be configured as an IC card using an IC chip as an information recording medium, or may be configured as an RF card using an RF signal as an information recording medium. It may also consist of a flash card including an EEPROM PACK or a RAM PACK.

In this embodiment, the card terminal 200 preferably queries the user's card in an offline manner.

FIG. 2 is a block diagram showing an embodiment of the card terminal shown in FIG. Referring to FIG. 2, the card terminal 200 may include an input unit 210, a power supply unit 220, a card read / write unit 230, a security module 240, a central control unit 250, a storage unit 260, and a display unit ( 270, a printer 280, and a communication unit 290.

The input unit 210 includes a plurality of keys for setting a user's intended transaction amount, and the power supply unit 220 provides operation power to each part of the card terminal 200.

The card reader / recorder 230 may read or record information from various types of cards having different information recording media (for example, M / S card or smart card or RF card using magnetic stripe). It may be external.

The security module 240 generates additional information so that the information stored in the card can be accessed. In this embodiment, it is preferable to use the SAM module as the security module 240.

The central control unit 250 inquires the approval number and the balance stored in the card by using the additional information generated by the security module 240. In addition, if the available approval card is available, the transaction serial number and the fixed amount information are stored in the storage unit 260, and the payment / payment of the fixed amount is requested to the approval / payment server 400 through the communication unit 290.

In the case of a pre-approval card in which the determined amount exceeds the balance, the approval / payment server 400 requests the additional payment approval online to receive the approval for the additional payment.

In addition, the balance obtained by subtracting the fixed amount corresponding to the destination, the transaction serial number, and the information on the destination are stored in the approved card 100.

The storage unit 260 stores the transaction serial number and the fixed amount information.

The display unit 270 is a means for displaying service information necessary for payment, and displays the service information in text or graphics according to a key operation of the input unit 210.

The printer 280 issues a receipt to the user, and the communication unit 295 supports transmitting and receiving data with the approval / payment server 400.

Figure 3 is an embodiment showing a flow chart payment method of the pre-approved method according to the present invention. Referring to Figure 3, the present invention (a) step (S600 ~ S630) of inquiring the approval number and the balance of the user card when passing through the entrance gate, and in the case of the available approval card subtracts a fixed amount corresponding to the destination (B) step (S640) of storing the balance and the transaction serial number and information on the destination in the approval card, and (c) checking whether the destination of the approval card and the destination of the user match when passing through the exit gate ( S650), step (d) of requesting payment of the settled amount (S660), and (e) step (S670) of processing the payment of the requested settled amount by postpay.

Steps (a) and (c) query the card in an offline manner.

Step (a) reads the information from the card (a1) (S600), and (a2) step (S610) of generating additional information to access the information stored in the card, and the card is issued using the additional information (A3) step (S620) of inquiring the approval number and the balance approved in advance from the company.

In addition, step (a) further includes (a4) (S635) for requesting additional payment approval online in the case of a pre-approved card in which the determined amount exceeds the balance.

In step (c), when the destination and the destination do not match at the exit gate, step (c1) of updating the balance of the approved card (S652) and step (c2) of updating the details of the transaction serial number online ( S654). If (c1) in step (S652) is a pre-approved card in which the amount of money exceeds the balance, additional payment approval is requested online as in step (a4) (S635).

Step (c) may further include step (f) (not shown) for storing the fixed amount information requested by the card terminal in the center terminal for a predetermined period and requesting payment in a lump.

In the present invention configured as described above, if the card terminal checks the user's card and confirms it as an available approval card, the terminal stores the fixed amount information, and requests the payment to the approval / payment server to process the post-payment. 3 to be described in detail as follows. In the following description, a case where a user uses a highway access gate in the system configured as shown in FIG. 1B will be described as an example.

When the user presents the card when entering the freeway entrance gate, the card reader / writer 230 of the entry-side card terminal 200 reads information (for example, the card serial number) from the common memory area of the card ( S600), the security module 240 generates additional information to access the information stored in the card (S610).

In addition, the central control unit 250 inquires a pre-approved number and balance previously approved by the card issuer using the additional information (S620), and determines whether the pre-approved card is available (S630).

In other words, the entrance card terminal 200 determines whether the approval card and the balance stored in the unique memory area of the card presented by the user are available in an offline manner. If the result of the determination in step S630 is a pre-approved card available, the central control unit 250 calculates a fixed amount corresponding to the distance to be used by the user according to the distance-specific fee history previously stored in the storage unit 260.

Then, using the additional information generated by the security module 240, the control unit stores the remaining balance, the transaction serial number, and the information about the destination in the approved card 100 (S640).

Then, the card reader / recorder 230 records the balance, the transaction serial number, and the destination information on the approved card 100 according to the control signal of the central controller 250, and the user returns the card to the highway. Pass through the exit gate.

At this time, the entrance card terminal 200 stores the transaction serial number and the settled amount information of the user in the unique memory area of the storage unit 260.

In the case of a pre-approved card that is not available (for example, a pre-approved card that exceeds the balance) as a result determined in step S630, the entrance card terminal 200 requests an additional payment approval online to the approval / payment server 400 (S635). Then, after receiving the approval for the additional payment from the approval / payment server 400, and stores the information on the balance and the transaction serial number and the destination in the approval card 100 as in step S640.

On the other hand, when the user presents the pre-approved card 100 again at the highway exit gate near the destination, the exit-side card terminal 201 checks whether the destination information stored in the pre-approved card 100 matches the destination of the user ( S650).

If the destination information matches the destination of the user, the exit card terminal 201 issues a receipt to the card user and passes the highway exit gate.

If the result of the check in step S650 and the destination information does not match, the exit card terminal 201 updates the balance of the approved card by subtracting the fixed amount corresponding to the difference between the destination and the destination of the user (S652).

At this time, in the case of a pre-approval card in which the determined amount exceeds the remaining balance, an additional payment approval is requested online as in step S635. Then, after receiving the approval for the additional payment from the approval / payment server 400, the balance of the approval card 100 is updated.

Next, the exit card terminal 201 updates and updates the details of the transaction serial number stored in the entry card terminal 200 online (S654), and is determined in the storage unit of the exit card terminal 201. Save the amount information.

Subsequently, the entrance card terminal 200 requests the payment of the fixed amount to the approval / payment server 400 through the center terminal 500 (S660). In the case where the balance is insufficient and the additional payment is approved online, since the settled amount information is stored in the exit card terminal 201, the exit card terminal 201 pays the settlement amount to the approval / payment server 400. You will be asked.

The fixed amount information requested by the card terminal 200 is stored in the center terminal 500 for a certain period of time, and the center terminal 500 requests the settlement / payment server 400 in a batch.

At this time, the center terminal 500, for example, request a payment of the fixed amount to the approval / payment server 400 in a full or monthly cycle.

Then, the approval / payment server 400 processes the payment of the fixed amount requested by the card terminal 200 as a postpay (S670). That is, the card terminal 200 processes the slip by replacing the fixed amount requested through the center terminal 500 with the approved amount previously approved.

Another embodiment of the present invention may be applied to a parking lot. In this case, the entrance card terminal has a usage time to calculate a fixed amount, and the exit card terminal is provided to the card when the vehicle passes through the exit gate. It will be compared with the stored usage time. The rest of the description is the same as the highway toll gate described above.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the present invention may not only require the user's signature at the time of offline inquiry, but also may use the card securely and quickly first through an approved card without having to anticipate the usage fee. In addition, the usage fee can be paid after payment for a certain period.

Therefore, while minimizing the risk that may occur during credit transactions on-line, there is an effect of reducing the inquiry and management costs, reduction of inquiry time by the offline method.

In addition, there is an additional effect that can maintain a smooth running speed because it reduces the waiting time caused by the change calculation when the fare is settled in the existing parking lot or highway toll gate.

In addition, in the case of a pre-approved card that can not be used in excess of the balance, there is an advantage such that it is possible to compensate for the impossible card payment offline by processing the payment online.

1 is an embodiment showing a card payment system of a pre-approved method according to the present invention,

FIG. 2 is a block diagram showing an embodiment of the card terminal shown in FIG. 1;

Figure 3 is an embodiment showing a flow chart payment method of the pre-approved method according to the present invention.

<Description of the symbols for the main parts of the drawings>

100: approved card 200: card terminal

210: input unit 220: power unit

230: card reader / recorder 240: security module

250: central control unit 260: storage unit

270: display unit 280: printer

290: communication unit 300: communication network

400: Approval / Payment Server

Claims (17)

delete delete delete delete In a system for paying a fare with a card at an entrance gate such as a highway or subway, An approval card which is pre-approved for the use of some of the credit limit amount of the individual by the card issuer and stores information including the approval number, balance, transaction serial number, and destination information previously approved by the card issuer; If the authorization card and the balance of the user card are used when the entrance gate is passed, the balance obtained by subtracting the fixed amount corresponding to the destination and the transaction serial number and the destination information are stored in the authorization card. Check whether the destination of the approval card and the destination of the user match when passing through the exit gate, and if the destination and destination do not match at the exit gate, update the balance of the approval card; A card terminal for updating the details online; An approval / payment server for processing the payment of the fixed amount requested from the card terminal as a post-payment; And A center terminal for storing the fixed amount information requested by the card terminal for a predetermined period and requesting payment to the approval / payment server collectively; Including; The card terminal A card reader / recorder capable of reading or recording information from various types of cards in which the information recording medium is different; A security module for generating additional information for accessing the information stored in the card; A storage unit for storing the transaction serial number and the fixed amount information; Communication unit for supporting data transmission and reception with the approval / payment server; And Inquiry of the approval number and the balance stored in the card using the additional information, and if the available approval card is available, the transaction serial number and the settled amount information are stored in the storage unit, and the approval / payment server through the communication unit. A central control unit for requesting payment of a fixed amount, The central control unit pre-approval card payment system, characterized in that for requesting additional payment authorization online to the approval / payment server in the case of a pre-approved card that the determined amount exceeds the balance. delete delete delete delete delete delete delete delete delete delete delete In the card payment method in a system for paying a card at an entrance gate such as a highway or subway, (a) retrieving the authorization number and balance of the user card when passing through the entrance gate; (b) storing the balance, the transaction serial number, and information on the destination, in which the fixed amount corresponding to the destination is deducted in the case of the available approval card; (c) verifying that the destination of the pre-approved card coincides with the destination of the user when passing through the exit gate; (d) requesting payment of the fixed amount; (e) storing the requested fixed amount information in the center terminal for a predetermined period of time and requesting payment in a lump; Step (a) is: (a1) reading information from the card; (a2) generating additional information to access the information stored in the card; (a3) inquiring a pre-approved number and balance approved by the card issuer using the additional information; And (a4) requesting additional payment authorization online in the case of a pre-approved card in which the settlement amount exceeds the balance; In step (c), (c1) if the destination and the destination do not match at the exit gate and the fixed amount exceeds the balance, updating the balance of the prepaid card and requesting an additional payment authorization online; (c2) updating the details of the transaction serial number online; Card payment method of pre-authorization method comprising a.