KR20040034020A - settlements system for passenger-transportation and method thereof - Google Patents

Abstract

PURPOSE: A settlement system for a taxi and a settlement method using the same are provided to settle taxi fare by using a credit card and an RF(Radio Frequency) card such as a prepaid transportation card. CONSTITUTION: A CPU(110) reads/processes various input information data. A magnetic strip reader(120) reads a code of the credit card. A mobile terminal(130) transmits settlement information data and taxi information data by wirelessly connecting to an IWF(InterWorking Function) device of a network businessman. A keypad(140) manually inputs various data values to the CPU. An RF module(150) reads/writes the data of an RF signal form by communicating with the RF card and transfers the read data to the CPU.

Description

Payment system for commercial vehicles and payment method using the system {settlements system for passenger-transportation and method}

The present invention relates to a payment system having a payment terminal that allows the payment of a taxi ride fee to use a credit card or an RF (Radio Frequency) debit card at the same time, and a payment method performed using the system.

In general, the price paid for the purchase of various goods or the service is mainly cash payment.

However, in recent years, due to the transition to various information societies, payment of various charges by individual credits, etc. is possible, the most representative of which is payment using a credit card.

In particular, recently, the situation is being paid by using a fee for a commercial vehicle such as a taxi as a card.

FIG. 1 is a block diagram schematically showing a configuration for using a card for payment of a fee for a commercial vehicle such as a taxi.

That is, in the related art, the card payment terminal 10, the driving recorder 20 and the mobile terminal 30 provided in the vehicle, the network 40 having the network operator, and the VAN network having the value added network (VAN) provider ( 50) and a server network 60 owned by banks and credit card companies.

At this time, the card payment terminal 10 is wirelessly connected to the network 40 owned by the network operator by the mobile terminal 30.

The network 40 owned by the network operator typically receives information from the mobile terminal 30 for card payment, and transmits the information to the VAN network 50 connected to the TCP / IP network. ), And has a Short Message Service (SMS) server 42 for short message service.

At this time, the mobile terminal 30 is a terminal capable of switching to the IWF mode and becomes a terminal capable of wireless connection with the IWF device 41.

In addition, the VAN network 50 is wired to the server network 60 having the bank and card companies.

Referring to the taxi fare payment process using the conventional card of the above configuration as follows.

First, the driving recorder 20 is operated by the driver when the customer boards.

The driving recorder 20 calculates and displays a payment cost based on various information such as a boarding time, a driving distance, a discount / surcharge, and the customer pays the boarding fee based on the displayed cost. Perform.

If the customer wishes to pay the boarding fee with a credit card, the card payment terminal 10 inputs the credit card information and the fare information to the IWF device 41 in conjunction with the mobile terminal 30. Perform a wireless connection.

When the mobile terminal 30 is connected to the IWF device 41 by the above process, the IWF device 41 transmits the information of the credit card and the fee information transmitted from the card payment end date 10 to the TCP / Transmit to the VAN network 50 connected by IP.

Thereafter, the VAN network 50 communicates with the server network 60 of the bank and the card company to perform the card payment of the corresponding fee for the card, and transmits the result back to the card payment terminal 10.

As a result, the settlement of the taxi fare using the card is completed by the above-described series of processes.

However, the settlement of taxi fare using the above-described conventional card payment method has a disadvantage that it is limited to simply card payment.

In other words, it is inconvenient to settle taxi fare using a prepaid transportation card such as RF (Radio Frequency) debit card which is carried by many people in recent years.

In particular, the above prepaid transportation card is used only in a bus combination, but has not been used as a payment for fare for other transportation means such as taxis.

In addition, since the structure of the card settlement for calculating the taxi boarding fare is generally not used, there was a waste on the line.

The present invention has been made to solve the above-mentioned problems of the prior art, the structure for calculating the fare of the taxi can not only perform payment using a credit card but also payment using an RF card such as a prepaid transportation card. An object of the present invention is to provide a payment terminal and a payment system using the same.

Another object of the present invention is to provide a payment method that enables payment using a credit card or payment using an RF card according to a customer's desire using the payment system.

1 is a block diagram schematically showing a configuration for performing a fare payment of a conventional commercial vehicle with a credit card

2 is a block diagram schematically showing a payment system according to the present invention.

Figure 3 is a block diagram showing the internal structure of the payment terminal of the present invention

4 is a flowchart schematically illustrating a control process performed by a payment terminal in a payment process using a payment system according to the present invention.

5 is a flowchart schematically illustrating a control process performed by a network of a network operator in a payment process using a payment system according to the present invention.

6 is a flowchart schematically illustrating a control process performed by a network system of a VAN operator in a payment process using a payment system according to the present invention.

Explanation of symbols for main parts of the drawings

100. Payment terminal 110. Central processing unit

120. Code Reader 130. Mobile Terminal

140.Keypad 150.RF Module

160. Display unit 200. VAN network system

210. Readout module 300. Network operator's network system

310. IWF Device 320. SMS Server

400. Payment Approval Server 500. Fee Settlement Server

600. Tachograph

The payment terminal of the present invention for achieving the above object comprises a central processing unit for performing the reading and processing of various input information data; A code reader (MSR) under control of the central processing unit, for reading a code of a credit card; A mobile terminal, which is controlled by the central processing unit and transmits payment information data and information data of the vehicle by performing a wireless connection with an IWF device owned by the network operator; A keypad for manually inputting various data values to the central processing unit; And an RF module for communicating with the RF card to read and record data in the form of an RF signal, and to transfer the read data to the central processing unit.

In addition, the payment system of the present invention is provided in a commercial vehicle having a central processing unit for reading and processing a variety of input information data, under the control of the central processing unit, a code reader for reading the code of the credit card And a mobile terminal for transmitting payment information data and vehicle information data by performing a wireless connection with an IWF device which is under the control of the central processing unit and having a network connection. A payment terminal having a keypad for manually inputting various data values to the device, the payment terminal having an RF module which communicates with an RF card to read and record data in the form of an RF signal and delivers the read data to the central processing unit; In order to perform various card payments or payments using RF cards, a data communication connection is made to a server of each credit card company or a server for billing of each RF card, and to a payment method that has made payments through received payment information. A VAN network system having a reading module for performing a reading on the received payment information, the payment approval request for the received payment information to a server for payment approval of a corresponding credit card company, or a server for billing of each RF card; And a network system of a network operator having an IWF device receiving various information from a mobile terminal of the payment terminal and delivering the information to the VAN network system connected through a TCP / IP network, and having an SMS server for short message service. It is composed.

In addition, the present invention provides a method for performing a payment using the payment system, the first step of receiving a fare data settled by the payment terminal according to the operation of the commercial vehicle; A second step of confirming, by the payment terminal, a payment means selected for paying the received fee data in association with a code reader or an RF module; A third step of controlling, by the payment terminal, the mobile terminal to transmit information data and fee information data on the identified payment means to an IWF device having a network operator; A fourth step of the network of the network operator delivering the received information data to a VAN network system; A fifth step of checking, by the VAN network system, the type of payment means by reading the received information data using a reading module; The VAN network system requests a payment settlement for a fee using a corresponding payment method to a server for approval of payment of a corresponding credit card company designated for each identified payment method, or a server for payment of a fee of each RF card. Step 6: Includes and operates.

Hereinafter, preferred embodiments of the present invention will be described in more detail with reference to FIGS. 2 to 6.

First, the payment system of the present invention is largely as shown in FIG. 2, the payment terminal 100, the VAN network system 200, the network system 300 of the network operator, and a server for payment approval of each credit card company ( 400) and a server 500 for billing of each RF card.

3 illustrates a schematic internal configuration of the payment terminal 100. Hereinafter, the payment terminal 100 will be described in more detail with reference to FIGS. 2 and 3.

First, the payment terminal 100 according to the embodiment of the present invention, the central processing unit 110, the code reader (MSR) 120, the mobile terminal 130, the keypad 140, the RF module 150 )

The CPU 110 reads and processes various input information data.

The code reader 120 is controlled by the central processing unit 110 and reads the code of the credit card.

The mobile terminal 130 is controlled by the central processing unit 110 and performs a wireless connection with the IWF device 310 of the network operator to transmit the payment information data to the network system 300 of the network operator. The information data of the vehicle is transmitted.

In this case, the mobile terminal 130 is a terminal having an interface for performing wireless data connection using a code division multiple access (CDMA) method or an interface for performing data connection using an RS232C method.

In addition, the keypad 140 is used to manually input various data values to the central processing unit 110.

In addition, the RF module 150 communicates with the RF card to read and record data in the form of an RF signal, and transmits the read data to the CPU 110.

At this time, the RF module 150 includes an antenna 151, an RF modulation and demodulation module 152, and a wireless security module (SAM) to wirelessly exchange information about the RF card from an IC chip embedded in the RF card. 153 is included. The RF demodulation module 152 demodulates the RF modulated card information received by the antenna 151 and modulates the information of the payment terminal 100 into RF and transmits the information to the RF card. The SAM 153 accesses the RF card when the information of the RF card demodulated by the RF modulation / demodulation module 152 is justified to approve card use and settle the card use price.

In addition, the embodiment of the present invention further includes a display unit 160 for displaying information on the payment target fee information on the payment terminal 100.

In particular, the payment terminal 100 is capable of transmitting various data from the driving recorder 600 of the commercial vehicle.

As can be seen through the above configuration, the payment terminal 100 of the present invention is configured to enable payment of a fee using a credit card or payment using a RF card.

On the other hand, the VAN network system 200 according to the payment system of the present invention, as shown in Figure 2 shown in Figure 2, the payment approval server 400 of each credit card company or each RF card in order to perform payment using the RF card Is connected to the rate settlement server 500 of the data communication is possible, and has a reading module 210 for performing a reading on the payment means that has made a payment through the received payment information, payment approval for the received payment information It transmits the request to the payment approval server 400 of the credit card company or the server 500 for billing of each RF card.

At this time, the server 500 for billing of the RF card may be built in the company operating the VAN network system 200 to operate together with the VAN network system 200, each bus combination, etc. are operated It can be built and operated in a server network system, or it can be built and operated in a separate consigned company. Of course, the server 500 for the billing of the RF card may be the VAN network system 200 itself.

In addition, the network system 300 of the network operator according to the payment system of the present invention receives the various information from the mobile terminal 130 of the payment terminal 100, as shown in Figure 2 VAN connected to the TCP / IP network It has an IWF device 310 that delivers to the network system 200, and has an SMS server 320 for a short message service.

Hereinafter, with reference to the flowchart of Figs. 4 to 6 showing a method of performing the payment of the commercial vehicle using the payment system of the present invention configured as described above in detail as follows.

First, the payment terminal 100 receives the fare data settled according to the operation of the commercial vehicle.

This is performed by the payment terminal 100 receiving the fare data from the tachograph 600.

That is, the driving recorder 600 calculates a payment fee based on various information such as a boarding time, a travel distance, a discount / surcharge, and transmits the calculated fee information data to the payment terminal 100.

Accordingly, the payment terminal 100 displays the payment fee on the display unit 160 based on the received fee information data, and requests the customer to select a payment method.

At this time, the payment means may be cash, credit card, RF card and the like.

If the customer pays in cash, the payment terminal 100 ends the payment after issuing a receipt for the payment fee.

However, when the customer reads the credit card to the code reader 120 of the payment terminal 100 in order to make a payment with the credit card, the code reader 120 checks the information data on the credit card of the customer and then performs central processing. Transfer to device 110.

In addition, when the customer approaches the RF card 150 to the RF module 150 to pay with the RF card, the RF module 150 for the RF card from the IC chip embedded in the RF card through the antenna 151 Receives the information data and delivers it to the central processing unit (110).

As described above, when the payment is made using each payment means, the central processing unit 110 of the payment terminal 100 switches to the IWF mode using the mobile terminal 130 and then the network operator through the mobile terminal 130. The IWF device 310 included in the network system 300 transmits the information data, the fare information data, and the information data on the commercial vehicle.

Meanwhile, when the network system 300 of the network operator receives the information data from the payment terminal 100 of each commercial vehicle, the network system 300 is connected to the VAN network system 200 by TCP / IP, and the received information data is received from the VAN. It serves to deliver to the network system 200.

Of course, the network system 300 of the network operator continuously receives the information data received from the payment terminal 100 of each commercial vehicle in the state connected to the VAN network system 200 by TCP / IP (VAN network system ( 200).

In this process, if the information data and the fee information data for the credit card or the RF card are received from the payment terminal 100 of the specific commercial vehicle as in the above-described embodiment, the network system 300 of the network operator may The received data is transmitted to the VAN network system 200.

At this time, the VAN network system 200 reads each piece of information data for the payment request transmitted from the specific commercial vehicle received from the network system 300 of the network operator using the reading module 210 of the payment means. Check the type.

If the payment means to perform the payment is confirmed as a credit card in the process of checking the type of the payment means, the VAN network system 200 sends the server 400 to the server 400 for payment approval of the credit card company. The credit card received from the network system 300 of the network operator to provide information data and charge information data and information on the corresponding commercial vehicle to request the payment authorization of the credit card.

At this time, if the server for approval of payment of the credit card company approves the payment for the credit card and feeds back the payment approval contents data to the VAN network system 200, the VAN network system 200 receives the feedback payment. The approval data is transmitted to the payment terminal 100 of the commercial vehicle via the network operator's IWF device 310.

Therefore, the central processing unit 110 of the payment terminal 100 displays the contents of the received payment approval data on the display unit 160, prints the receipt, and provides the corresponding customer to terminate the payment. .

If the credit card company's payment approval server 400 disallows the payment approval for the credit card, the information is returned to the payment terminal 100, and the payment terminal 100 returns the unauthorized contents. By notifying the customer, the payment is requested again.

Meanwhile, the VAN network system 200 reads each piece of information data for a payment request transmitted from a specific commercial vehicle received from the network system 300 of the network operator using the reading module 210 to determine the type of payment means. In the process of checking, if the payment means to perform the payment is confirmed to be an RF card, the VAN network system 200 is received from the network system 300 of the network operator to the server 500 for billing of the RF card. Request payment settlement by providing information data and fee information data for the RF card.

In this case, if the information of the RF card is justified, the charge settlement server 500 of the RF card performs the approval of the use of the corresponding RF card and the use price and then stores the information data of the VAN network system 200. Feedback.

Thereafter, the VAN network system 200 transmits the received fee settlement result data to the payment terminal 100 of the commercial vehicle via the network operator's IWF device 310.

Therefore, the central processing unit 110 of the payment terminal 100 modulates the information of the payment terminal 100 into RF and then transmits the contents of the fee settlement result data received from the IWF device 310 to the corresponding RF card. After the transmission, the result is displayed on the display unit 160 to terminate the payment.

If the customer's RF card is out of the limit of the available amount and cannot be used, the fee settlement server 500 of the RF card feeds back the non-payment details and returns the information to the payment terminal 100, and the payment is made. The terminal 100 notifies the customer of the content that cannot be settled, and requests the payment to be performed again.

On the other hand, the fare paid by a particular customer from a particular commercial vehicle by the above-described series of processes is determined by the commercial vehicle, or by a credit company designated by each credit card company or a company performing RF card fee settlement. It is provided to the owner.

As described above, according to the payment system according to the present invention and a method for performing a payment for a commercial vehicle using the payment system, various effects described below can be obtained.

First, since the payment of the commercial vehicle fee by the credit card and RF card is possible using a single payment terminal, it is possible to expand the selection of the payment method by the customer, thereby improving the satisfaction of the customer.

Second, it is possible to reduce the loss on the network line for payment service by expanding the use of services using the network operator's network and the VAN operator's network system.

Third, the VAN operator's network system reads whether a credit card or RF card is used, and pays to a server for approval of payment by each credit card company or a company that charges an RF card according to the read result. Since the information can be delivered, it has the effect that accurate service is possible.

Claims (10)

A central processing unit which reads and processes various input information data; A code reader (MSR) under control of the central processing unit, for reading a code of a credit card; A mobile terminal, which is controlled by the central processing unit and transmits payment information data and information data of the vehicle by performing a wireless connection with an IWF device owned by the network operator; A keypad for manually inputting various data values to the central processing unit; And, And an RF module in communication with the RF card, for reading and recording data in the form of an RF signal, and for transmitting the read data to the central processing unit. The method of claim 1, The mobile terminal is a terminal having an interface for performing a wireless data connection using a code division multiple access (CDMA) method or an interface for performing a data connection using an RS232C method. It has a central processing unit which is provided in a plurality of commercial vehicles, respectively, to read and process various input information data, is controlled by the central processing unit, and has a code reader (MSR) that reads a code of a credit card. And a mobile terminal for transmitting the payment information data and the information data of the vehicle by performing wireless connection with the IWF device of the network operator under the control of the central processing unit. A payment terminal having a keypad for manually inputting the data, and having an RF module for communicating with an RF card to read and record data in the form of an RF signal, and for transmitting the read data to the central processing unit; In order to perform various card payments or payments using RF cards, data communication is connected to a server of each credit card company or a server for billing of each RF card, and through payment information received from a payment terminal of each commercial vehicle. It has a reading module that reads the payment method that performed the payment, and transfers the payment approval request for the received payment information to the server for payment approval of the credit card company, or to the server for billing of each RF card A VAN network system; And, A network system of a network operator having an IWF device for receiving various information from a mobile terminal of the payment terminal and delivering the information to the VAN network system connected through a TCP / IP network, and having an SMS server for a short message service. Characterized by a payment system. The method of claim 3, wherein Payment terminal A payment system, characterized in that it is possible to transmit a variety of data from each tachograph of each commercial vehicle. A first step in which the payment terminal receives fare data settled according to the operation of the commercial vehicle; A second step of confirming, by the payment terminal, a payment means selected for paying the received fee data in association with a code reader or an RF module; A third step of controlling, by the payment terminal, the mobile terminal to transmit information data and fee information data on the identified payment means to an IWF device having a network operator; Transmitting, by the network of the network operator, the received information data to a VAN network system; A fifth step of checking, by the VAN network system, the type of payment means by reading the received information data using a reading module; And, A sixth request that the VAN network system request a payment for a fee using a corresponding payment method to a server for approval of payment of a corresponding credit card company designated for each identified payment method or a server for payment of a fee of each RF card; Step: The payment method for a commercial vehicle using a payment system, characterized in that the operation is included. The method of claim 5, wherein The first step is A payment method of a commercial vehicle using a payment system characterized in that the payment terminal receives an input by receiving a fare data from a driving recorder. The method of claim 5, wherein The second step is The payment terminal performs payment by checking whether the information data of the payment means is input from the code reader through the central processing unit or whether the information data of the payment means is input from the RF module. Way. The method of claim 5, wherein The third step is A payment method of a commercial vehicle using a payment system, characterized in that performed by the payment terminal is switched to the IWF mode by using a mobile terminal and then transmitting the information data and the fee information data of the payment means to the IWF device having the network operator. The method of claim 5, wherein The fourth step is After the network of the network operator is connected to the VAN network system by TCP / IP, and the information payment received to the network of the network operator through the third step is carried out by the payment system for a commercial vehicle using a payment system, characterized in that . The method of claim 5, wherein In the fifth step and the sixth step When the type of payment means read by the VAN network system using a reading module is a credit card, request payment settlement of information data received from the network of the network operator to a server for payment approval of the credit card company, When the type of payment means read by the VAN network system using the reading module is an RF card, the VAN network system requests payment settlement of information data received from the network of the network operator to a server for billing of the corresponding RF card. Billing method for commercial vehicles using a payment system.