KR20030063003A - System and method for managing change - Google Patents

Abstract

PURPOSE: A system and method for managing a coin is provided to enable a consumer to use change being generated in an off-line commerce for purchasing a commodity in a member store by accumulating the change in a card. CONSTITUTION: A plurality of cards(10) for coin purses include a unit which displays readable use registration and a unit which stores the balance data and have inherent recognition data. A plurality of member store terminals(20) include a data reading function and a data changing function with respect to the cards(10) for coin purses, store charged money received from a service supply center, recognize the cards(10) for coin purses, increase/decrease the balance data recorded in a balance data storage of the cards(10) within a supplement money range, store increasing/decreasing details of the balance data according to the cards(10), and transmit the increasing/decreasing details to a service supply center(30). The service supply center(30) stores basic information of the cards(10), charges supplement money in the member store terminals(20), and manages accumulated details and payment details processed in the member store terminals(20). A communication network connects the member store terminals(20) to a coin managing server device.

Description

Coin processing system and method {SYSTEM AND METHOD FOR MANAGING CHANGE}

The present invention relates to a coin processing system and method for accumulating the change generated in offline commerce on a card so that it can be used when purchasing goods in a merchant or returned as cash to facilitate convenience of both consumers and sellers.

In the off-line commerce, a customer visits a store to purchase an item or service, and then pays by cash or a cash or debit card such as a credit / debit card. However, since the credit card or the like must pay a certain amount of fees for the transaction amount every time the credit card or the like is used, there is a tendency for the merchant to be reluctant or refuse a small payment of less than 230,000 won.

Therefore, cash payments are still the most used in stores such as supermarkets and convenience stores, where small payments are mainly used, and small stores do not have any means for card payment.

And, if the cash transaction is made in this way, most of the coins are generated hundreds of won, tens of thousands of units, and therefore, there is an inconvenience that the store side always have to exchange a certain amount of coins in the bank to prepare a coin.

In addition, from the consumer's point of view, there are many inconveniences due to the weight and management of coins that occur every time the goods are purchased.

The present invention has been proposed in order to solve the above-mentioned problems, and its object is to accumulate the change generated in offline commerce on a card so that it can be used when purchasing goods in a merchant or returned to cash, so that both consumers and sellers can receive it. It is to provide a coin processing system and method for the purpose of convenience.

1 is a schematic diagram illustrating a schematic method of a coin processing service according to the present invention.

2 is a block diagram showing the basic configuration of the coin processing system according to the present invention.

3 is a block diagram showing another configuration of the coin processing system according to the present invention.

4 is a flowchart showing an embodiment of a coin processing method according to the present invention.

5 is a flowchart showing another embodiment of the coin processing method according to the present invention.

6 is a flowchart showing still another embodiment of the coin processing method according to the present invention.

7 is a flowchart illustrating a registration method when a first card is used in the method according to the present invention.

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

1: Individual 2: Merchant

3: service provider 4: financial institution

10: coin purse card 20: merchant terminal

20: service center

As a means for achieving the above object, the coin processing system according to the present invention

A plurality of coin purse cards each including a means for indicating whether or not to read the usage registration and a means for storing balance data, each of which has been given unique recognition data;

It is equipped with a data reading function and a data change function for the plurality of coin purse cards, and a predetermined supplemental amount for recharging provided from a service providing center is stored, and the balance of the card within the replenishment amount is recognized by recognizing the coin purse card. A plurality of affiliated terminal devices for increasing and decreasing the balance data stored in the data storage means and storing the balance data increase / decrease history for each card and sending them to the service providing center;

A service providing center for storing basic information about a plurality of coin purse cards, replenishing a plurality of merchant terminals with replenishment amount, managing cumulative details and payment details for each card processed by the plurality of merchant terminals; And

It characterized in that it comprises a communication network connecting the plurality of merchant terminal and the coin processing server device.

And, the plurality of merchant terminal reads the data recorded on the coin purse card and the card reading / charging unit for changing the recorded balance data, and the charge / withdrawal from the coin purse card to indicate the amount to be charged / withdrawn An input unit for inputting, a control unit for controlling the data reading and the change filling process for the coin purse card, and storing the processing information for each card and transmitting the data to the service providing center, and data communication between the control unit and the service providing center. It comprises a communication unit for interfacing with, a display unit for displaying the progress and processing results by the control unit, and a storage unit for storing the charges to be transferred to the coin purse card and the processing information for each coin purse card.

In addition, the service providing center is a settlement server for managing and processing payment processing made through a plurality of merchant terminals, a charging server for charging the amount to be transferred to the coin wallet card to the plurality of merchant terminals, a plurality of coins It includes a database for storing and storing basic information and usage history data for each card for a wallet. In this case, a plurality of settlement servers may be provided, and a plurality of affiliated stores may be bundled into predetermined groups to allocate settlement servers for each group. have.

In addition, the coin processing method by the coin processing system configured as described above,

Presenting a coin purse card when a change occurs after a cash transaction;

Inputting as much money as the change generated in the affiliated store terminal;

Reading card recognition information and balance information recorded in a coin purse card at the merchant terminal;

Comparing the refill amount input from the service provider to the refill amount input from the service provider center and subtracting the refill amount from the replenishment amount and increasing the balance recorded on the coin wallet card by the recharge amount;

Sending processing details including the charged card recognition information and the charged amount to a service providing center; And

And updating and managing the balance information for each card based on the data received from the service providing center.

In addition, the method includes the steps of an individual presenting a coin purse card to the merchant as a means of payment; Confirming card recognition information and the balance by reading the record data of the coin purse card in the merchant terminal; Comparing the read balance with a payment amount; If the balance of the coin purse card is greater than or equal to the payment amount, reducing the card balance by the payment amount at the merchant terminal and storing the payment history; Transmitting the payment history stored in the merchant terminal to the service providing center; And the service provider may further comprise the step of processing payment to the affiliated store according to the payment details received.

The method may further include presenting a coin purse card at the merchant and requesting cash payment; Checking the balance by reading the coin purse card at the merchant terminal; Comparing the balance with the cash request and reducing the balance in the card by the cash request if the cash request is less than the balance; Paying cash to the user by an amount reduced from the card balance; Transmitting the identification information and the cash payment history of the cash paid card to a service providing center; And updating the information of the card in the service providing center according to the payment details and providing the payment amount to the affiliated store.

In addition, the method comprises the steps of recording and issuing information indicating whether to register the use in the coin purse card; Recognizing this in the merchant terminal upon first use of the coin purse card and requesting registration to a service provider; Performing a registration process for the card in the service provider and sending the result to the affiliated store terminal and storing and managing the details of the card; And changing the information indicating whether the coin purse card is registered for use after receiving the registration result from the merchant terminal, and checking the information indicating whether the coin purse card is used for registration and recharging upon registration. Payment processing can be performed.

Hereinafter, with reference to the accompanying drawings will be described in detail with respect to the coin processing system and method according to the present invention.

1 is a schematic diagram for briefly explaining a coin processing method according to the present invention, the present invention is a customer (1) who is a consumer in commerce, and a merchant (2) that executes a coin processing service as a shop belonging to the seller side in commerce ), The service provider 3 performing coin charging and settlement processing according to the request of the merchant 2 and the financial institution 4 performing payment processing between the merchant 2 and the service provider 3. Is done by action.

In the above, the service provider 3 makes and sells a plurality of coin purse cards, manages information on all the cards made, and registers the corresponding card upon the first use of the customer 1.

In addition, the customer 1 accumulates the change generated after the cash transaction on the coin purse card purchased and registered from the service provider 3 and uses the accumulated balance in the card at the time of purchasing the goods in the affiliated store 2. In addition, the accumulated balance can be returned in cash at the affiliated store (2).

Then, the merchant (2) receives the replenishment amount for the change card payment from the service provider (3), when the individual (1) presents a coin purse card, withdraws from the replenishment amount stored in the merchant terminal personal (1) Accumulate as a coin card. When an individual (1) presents a coin purse card and requests the purchase or cash payment, the purchase amount or cash payment is withdrawn from the balance of the coin purse card and stored in the merchant terminal. When sent to the provider (3), the service provider (3) will pay the amount paid for the purchase of the individual (1) instead. In addition, the present invention provides a merchant terminal device for charging a change card in a coin purse.

The basic structure of the coin processing system which concerns on this invention which performs the above process is shown in FIG.

As shown in FIG. 2, the coin processing system according to the present invention basically has a coin purse card 10 and a coin processing service providing center 30 issued by the service provider 3 and used by the individual 1. After replenishing and storing a predetermined amount of money), a predetermined amount is charged to the coin purse card 10 within the stored amount, and the payment history is stored when cash withdrawal or purchase of goods using the coin purse card 10 is provided. Merchant terminal 20 to send to the providing center 30, the payment server 31 for receiving and receiving payment details from the merchant terminal 20 to manage and process the settlement history for each card for the coin purse and the merchant terminal ( 20 is a charging server 32 for charging a request amount from the charging terminal 32 to the merchant terminal 20 and a database for storing and managing information for each coin purse card 10 for each merchant terminal 20 and processing details. Including) Composed of (1) and a coin processing service center (30) to relay processing between the merchant (2).

In the above, the merchant terminal 20 reads the card recognition data described in the coin purse card 10 and the card reading / charging unit 21 for accumulating and charging a predetermined cost to the card 10, and the coin purse card The input unit 22 for inputting the amount to be charged or the amount to be charged in the 10 and the amount of the charge input to the input unit 22 is subtracted from the remaining balance in the terminal to store the card through the card reading / charging unit 21. 10) the control unit 23 for recharging or withdrawing the expenses input to the input unit 22 from the balance in the card 10 and managing the details and controlling the communication with the coin processing server device 30, The communication unit 24 for data communication with the coin processing service center 30, the display unit 25 for displaying the charging result, and the storage unit for storing and managing the replenishment liquid and the settlement details that can be provided to the coin purse card 10 ( 26) and installed in the affiliated store (2) .

Figure 3 shows an example of the overall configuration of the coin processing system according to the present invention, in the basic configuration as shown in Figure 2, the service providing center 30 is a charging server for filling the replenishment liquid to the merchant terminal 20 And a plurality of settlement servers that perform settlement processing for each of the affiliated store terminals 20 for each card 10 and manage the details thereof, and bundle a plurality of affiliated store terminals in a predetermined group, and each of the plurality of settlement servers for each group. Match it. In other words, by setting up different settlement servers for each group, the settlement process is distributed so as to increase the processing speed and efficiency.

4 to 7 are flowcharts showing the processing procedure in the coin processing system according to the present invention by embodiment, and FIG. 4 shows the change generated in the cash transaction card 10 (hereinafter referred to as coin card). The process of accumulating change is shown.

Referring to FIG. 4, the process of accumulating the change generated in the cash transaction is as follows.

First, the affiliated store terminal 20 is connected to the charging server 32 of the service center 30 receives a charge (replenishment amount) to be charged in the customer's coin card when cash transactions (401). At this time, the amount of charge that the merchant terminal 20 is called A.

As described above, in the state in which the amount to be used for the transaction is charged in the merchant terminal 20, the individual 1 stops at the merchant 2 to purchase a predetermined article and pays cash in return for the purchased article (402, 403).

In this case, when a difference occurs in the cash paid by the customer and the purchase amount, and the change is required to be returned (404), the individual (1) presents the coin card (10) possessed by the merchant (2).

Then, the affiliated store 2 charges the change B generated in the coin card 10 by contacting or approaching the coin card 10 received from the individual 1 in the merchant terminal 20 (406). Accordingly, the filling liquid of the merchant terminal 20 is attenuated by the change B, and the balance in the coin card 10 is increased by the change B (407). In this case, the affiliated store terminal 20 reads the card recognition information of the coin card 10, and stores the payment details (change of charges) with the card recognition information (408). The payment details stored in this way are transmitted to the settlement server 31 of the service providing center 30, and the settlement server 31 is settled based on the transmitted information for each card, and the cumulative details for each card are stored in a database ( 33) is updated and stored.

Next, FIG. 5 is a flowchart in the case of purchasing goods at the affiliated store 2 using the accumulated amount of the coin card 10, in which case the individual 1 visits the affiliated store 2 and purchases the goods. 501, when the coin card 10 is presented as a payment means (502), the merchant 2 checks the balance of the coin card 10 by bringing the coin card 10 into contact with or close to the merchant terminal 20. (503).

Then, the purchase amount, that is, the amount to be paid by the individual is compared with the balance of the confirmed coin card 10 (504).

In the above, when the balance is more than the payment amount, the merchant terminal 20 withdraws the corresponding purchase amount of the product from the accumulated amount of the coin card 10 (505). In this case, the withdrawal is deducted by the corresponding purchase amount from the balance of the coin card 10, and stores the payment details (for example, the purchase date, purchase amount, etc.) at this time (506).

In addition, the transaction history using the coin card 10 stored as described above is transmitted to the service providing center 30 at a predetermined period or time point, and the settlement server 31 of the service providing center 30 transmits the transaction details. By processing the payment history at each merchant (2) to the actual merchant (2) real money, that is, pay in cash. As in the case of accumulating change, the card-specific details are updated according to the payment details (508).

Next, FIG. 6 is a flowchart showing a process in which the individual 1 receives cash accumulated in the coin card 10 and the individual 1 sees the balance accumulated in the coin card 10. You can ask in cash at any of the service merchants.

In this case, when the individual 1 presents the coin card 10 to the affiliated store 2 and requests cash (601, 602), the affiliated store 2 checks the balance of the coin card 10 through the affiliated store terminal 20. Then, it is checked how much cash can be provided (603).

Then, the coin card 10 withdraws the amount within the balance range (604). This withdrawal process attenuates the amount of cash payments from the balance in the coin card 10, stores the cash payment details (card identification number, cash payment amount, current balance, cash payment date, etc.) and stores the stored details in the service provider center ( Send to 30).

In the service providing center 30, the settlement server 31 checks the cash payment history sent from the affiliate store 2 and compares it with the details of the stored cards and compares the amount of cash paid on behalf of the affiliate store 2 to the affiliate store (2). (608).

The balance and usage history for each card are updated with each change, which is stored in the database 33.

As such, the coin card 10 to be used is issued and provided by the service provider 1, information on all issued coin card 10, that is, the card identification number is the database of the service provider 30 ( 33) is stored and managed, when the individual (1) uses the coin card 10 for the first time, and only when registering the use to the service provider 30 in the merchant terminal 20, the card of the card Prevents misuse and facilitates card management.

That is, there is a flag indicating whether the card is registered to be used or stored at a predetermined position of the coin card 10. The flag before the card is registered is indicated by 1 (or 0). You can check whether the card is registered or not by checking the flag.

Therefore, when the first use of the individual 1 after the card purchase, the merchant terminal 20 reads the data of the coin card 10 and confirms whether or not it is registered as described above. At this time, if the use is not registered, the merchant terminal 20, as shown in Figure 7, requests the card use registration to the service provider 30 (702), in this way, the data of the coin card 10 It reads and transmits it to the service provision center 30 (703,704).

Accordingly, the service providing center 30 searches for information on the issuance card stored in the database 33, and inquires whether there is a corresponding issuance card and whether to use it. Then, the coin card is registered as a use card (705).

The card use registration result of the service providing center 30 is transmitted to the affiliated store terminal 20, and the affiliated store terminal 20 sets a flag indicating whether to register at the coin card 10 after completion of normal card use registration. (Or 1).

Therefore, the individual 1 does not need to be authenticated every time the card 10 is used.

The coin purse card 10 described above may be mounted on a cell phone or a credit card means in the form of a chip.

According to the above, the present invention does not have the inconvenience of having to exchange coins in the bank separately for change in the position of the merchant, and by accumulating coins in the card without receiving a heavy and inconvenient coin from the customer's point of view, a predetermined amount This money can be used at any time to cash out or purchase other items, so you can get savings in addition to managing coins. In addition, the social position also reduces the coin trading to reduce the coin losses, thereby reducing the production of coins.

Claims (8)

A plurality of coin purse cards each including a means for indicating whether or not to read the usage registration and a means for storing balance data, each of which has been given unique recognition data; It is equipped with a data reading function and a data change function for the plurality of coin purse cards, and a predetermined supplemental amount for recharging provided from a service providing center is stored, and the balance of the card within the replenishment amount is recognized by recognizing the coin purse card. A plurality of affiliated terminal devices for increasing and decreasing the balance data stored in the data storage means and storing the balance data increase / decrease history for each card and sending them to the service providing center; A service providing center for storing basic information about a plurality of coin purse cards, replenishing a plurality of merchant terminals with replenishment amount, managing cumulative details and payment details for each card processed by the plurality of merchant terminals; And Coin processing system comprising a communication network connecting the plurality of merchant terminal and the coin processing server device. The method of claim 1, wherein the plurality of affiliated store terminals A card reading / charging unit for reading the data recorded on the coin purse card and changing the recorded balance data; An input unit which indicates whether or not to be charged or withdrawn from the coin purse card and inputs an amount to be charged or withdrawn; A control unit for controlling the data reading and the change charging process for the coin purse card, storing the processing information for each card and transmitting the card to the service provider; A communication unit for interfacing data communication between the control unit and the service providing center; A display unit for displaying a progress state and a processing result by the control unit; Coin processing system, characterized in that consisting of a storage unit for storing the charges to be transferred to the coin purse card and the processing information for each coin purse card. The method of claim 1, wherein the service providing center A settlement server that manages and processes payment processing made through a plurality of affiliated terminal terminals; Charging server for charging the amount to be transferred to the coin purse card in the plurality of merchant terminals, Coin processing system, characterized in that it comprises a database for storing and managing the basic information and usage history data for each card for a coin purse. 4. The system of claim 3, wherein the system is Coin processing system comprising a plurality of settlement servers, a plurality of merchants in a predetermined group to assign a settlement server for each group. In the coin processing method by the coin processing system of Claim 1, Presenting a coin purse card when a change occurs after a cash transaction; Inputting as much money as the change generated in the affiliated store terminal; Reading card recognition information and balance information recorded in a coin purse card at the merchant terminal; Comparing the refill amount input from the service provider to the refill amount input from the service provider center and subtracting the refill amount from the replenishment amount and increasing the balance recorded on the coin wallet card by the recharge amount; Sending processing details including the charged card recognition information and the charged amount to a service providing center; And And updating and managing balance information for each card based on data received from a service provider. The method of claim 5, wherein the method An individual presenting a coin purse card to a merchant as a payment means; Confirming card recognition information and the balance by reading the record data of the coin purse card in the merchant terminal; Comparing the read balance with a payment amount; If the balance of the coin purse card is greater than or equal to the payment amount, reducing the card balance by the payment amount at the merchant terminal and storing the payment history; Transmitting the payment history stored in the merchant terminal to the service providing center; And The service providing center further comprises the step of processing the payment to the merchant in accordance with the payment history received. The method of claim 5, wherein the method Presenting a coin purse card at the merchant and requesting cash payment; Checking the balance by reading the coin purse card at the merchant terminal; Comparing the balance with the cash request and reducing the balance in the card by the cash request if the cash request is less than the balance; Paying cash to the user by an amount reduced from the card balance; Transmitting the identification information and the cash payment history of the cash paid card to a service providing center; And And updating the information of the card in accordance with the payment history in the service provider, and providing the payment to the affiliated store. The method of claim 5, wherein the method Recording and issuing information indicating whether or not to register the coin purse card; Recognizing this in the merchant terminal upon first use of the coin purse card and requesting registration to a service provider; Performing a registration process for the card in the service provider and sending the result to the affiliated store terminal and storing and managing the details of the card; And And after receiving the registration result in the merchant terminal comprises the step of changing the information indicating whether the use of the coin purse card registration to the registered state, The coin processing method characterized in that the charging and payment processing is performed at the time of registration by checking the information indicating whether or not to register the coin purse card.