KR20040041910A - Payment change service method and the system which use the financial terminal - Google Patents

Abstract

PURPOSE: A method and a system for paying small change using a banking terminal are provided to save the expense for making/distributing a coin through the reduction of coin use by charging the small change to a prepayment card or remitting the small change to a bank account. CONSTITUTION: The banking terminal(1) analyzes/converts the data inputted from an input part into the transmittable data or analyzes/transmits the business processing result to an output part. A relay system(2) analyzes/stores the business request information received from the banking terminal or transmits the business processing result to the banking terminal after analyzing/storing the business processing result. A prepayment card system(3) receives/processes the business request information related to the prepayment card from the relay system and transmits the result to the relay system. A bank system(4) receives/processes the business request information related to a bank from the relay system and transmits the result to the relay system.

Description

Payment change service method and the system which use the financial terminal}

The present invention relates to a change payment method and system using a financial terminal, and more particularly, to change the change generated when paying the cash in cash to the prepaid card or bank account, reducing the amount of coins used To reduce the cost of coin production and distribution, and to expand the use of prepaid cards to ensure transparent financial flows.

In general, when a buyer purchases a product in a store or the like and pays the purchase price in cash, the change is paid as much as a difference. Since the coin must be prepared in advance to pay the difference as a change, The labor and distribution costs for transportation will rise.

In addition, since the consumption trend has recently changed, the value of coins decreases, and coins are stored in individual individually owned piggy banks, and coins must be continuously produced as the circulation of coins is not smooth. Since the cost is higher than the face value, production costs rise, which leads to national losses.

Accordingly, an object of the present invention is to solve the conventional problems as described above, by reducing the amount of coins used by charging the prepaid card or the like to the bank account generated change when the payment for goods purchased in cash. The present invention provides a method and system for paying change using financial terminals to reduce the cost of coin production and distribution, and to ensure the transparent financial flow by expanding the use of prepaid cards.

1 is a flow chart of the change payment method using a financial terminal according to the present invention.

Figure 2a to 2d is a flow chart for the change payment method using the financial terminal according to the present invention.

Figure 3 is a block diagram of the change payment system using a financial terminal according to the present invention.

Figure 4 is a block diagram of the financial terminal of the change payment system using the financial terminal according to the present invention.

Explanation of symbols on the main parts of the drawings

1: financial terminal 2: relay system

3: prepaid card system 4: bank system

11 processing unit 12 input unit

13 output unit 14 transceiver unit

15: storage 21: relay server

31: company server 41: bank server

121: key input device 122: MC reader

123: PF receiver 124: IC card reader

131: display device 132: printer

141: wireless transmission and reception device 142: wired transmission and reception device

211, 311: DB storage

The change payment method using the financial terminal according to the present invention for achieving the above object, the financial terminal receives the processing request information for the payment change, generating a request message and transmitting to the relay system; and, the relay system Analyzing and storing the received request message; and transmitting the data on the account transfer among the analyzed request messages to a banking system; and analyzing and processing the received account transfer data by the bank system. And, the step of transmitting the processed account transfer processing results to the relay system; And receiving, storing and transmitting the account transfer processing results to the prepaid card system; And, The prepaid card system received Changing the DB according to the result of the transfer process and transmitting the change result to the relay system; and the relay Storing the DB change result received system is received; and a step in which the relay transmission system, the money transfer process, and the result DB changes result in financial terminal; And performing a function according to the account transfer processing result and the DB change result received by the financial terminal.

In addition, the change payment system using the financial terminal according to the present invention for achieving the above object, the input unit for receiving the change amount, bank account number and prepaid card information, an output unit showing the business processing results, and from the input unit A processing unit for analyzing input data, converting the data into transmittable data, or analyzing a business process result and transmitting the result to an output unit, a transmitting / receiving unit for transmitting the data converted by the processing unit or transmitting the received data to the processing unit, A financial terminal comprising a storage unit for storing information, a relay system for receiving and analyzing business request information from the financial terminal or analyzing and storing business processing results and transmitting the result to a financial terminal; and from the relay system to a prepaid card. Receive and process related work request information and relay the result Processing system receives the Banking request information from the prepaid card system and the relay system to be transmitted to and characterized by the bank system for transmitting the result to the relay system.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a flow chart of the change payment method using the financial terminal according to the present invention, the store owner checks whether the buyer has a prepaid card, if there is no prepaid card to issue a new.

Here, it includes all currently commercially available cards, such as RF (Radio Frequency) card, contactless card, IC (Integrated Circuit) card, magnetic card, embedded card, network card.

When the buyer pays the price of the goods in cash and the change occurs, the shopkeeper inputs the processing request information (the amount of change, the prepaid card information, etc.) for the payment of the change to the financial terminal, and the financial terminal receives the input processing. After generating the request message by the request information, it is transmitted to the relay system (S101).

The relay system analyzes the received request message, distinguishes the bank transfer request information from the prepaid card DB change request information, and stores them in the respective DBs (S102).

Here, the bank transfer request information may include a bank account of a store owner, a bank account of a prepaid card issuing agency, and the like. The prepaid card DB change request information may include a unique number of a prepaid card and a charge amount of a prepaid card according to a bank transfer information. This includes.

When the analyzed bank transfer request information is transmitted to the bank system (S103), the bank system analyzes the bank transfer request information and processes the account transfer business between the corresponding accounts (S104), and then transfers the processing result to the relay system. (S105).

The relay system stores the received bank transfer processing result in the corresponding DB, and then transmits the prepaid card DB change request information and the bank transfer processing result to the prepaid card system (S106), and the prepaid card system receives the prepaid card. After analyzing the DB change request information and the result of the account transfer processing, after changing the DB of the prepaid card, the change result is transmitted to the relay system (S107).

The relay system stores the received DB change result in the DB (S108), and then transfers the account transfer processing result and the DB change result received from the banking system to the financial terminal (S109). The function according to the received account transfer processing result and the DB change result is performed (S110).

Here, the function according to the result of the bank transfer processing and the DB change includes a charging function of the built-in prepaid card, a function of printing the result on a printing apparatus or displaying on the screen.

Figure 2a to 2d is a flow chart for the change payment method using the financial terminal according to the present invention, when the buyer purchases the product (S201) and pays the price (S202), the shopkeeper pays the product price and the amount paid by the buyer When the change is generated (S203), the owner checks whether the buyer has a prepaid card (S204).

At this time, if the buyer does not have a prepaid card (S204), check whether the deposit to the buyer's bank account (S205), if the buyer does not want to deposit into the bank account (S205) issuing a prepaid card (S206) Give it.

The owner enters a change in the financial terminal (S207), selects the type of deposit currency (S208), and executes an input function of reading information of the deposit currency to the financial terminal (S209), and the deposit currency is If the built-in type (S211) checks the validity of the deposit money (whether the currency is damaged, etc.) (S212).

Here, the selection of the deposit money type is to confirm whether the prepaid card is a built-in type or a network type, and may be divided into various types as necessary.

The financial terminal generates a full account transfer request text based on the input change amount and the information of the deposit currency (S213) and transmits it to the relay system (S214). Bank accounts, etc.

The relay system analyzes the received request message (S215) and stores it in the corresponding DB, and then transfers it to the banking system (S216). The banking system transfers the account from the bank account of the store owner to the bank account of the prepaid card issuer ( After the step S217), and completes the transfer account transfer (S218) and transmits to the relay system (S219).

The relay system analyzes the received full account transfer (S220) and transmits it to the prepaid card issuing system (S221), and the prepaid card issuing system changes the DB of the prepaid card (S222), and responds accordingly. It generates (S223) and transmits to the relay system (S224).

The relay system stores the received bank transfer completion message and the DB change response message in the corresponding DB (S225), generates a result message for the corresponding task, and transmits it to the financial terminal (S226).

The financial terminal analyzes the received processing result full text, if the deposit currency is built-in (S227), re-executing the deposit money input function (S228) to change the deposit money information (S229), processing results for the requested work Output (S230), and print the receipt (S231).

And, if the buyer wants to deposit into his bank account (S205), and enter the change and deposit account number in the financial terminal (S233) (S234), the financial terminal accounts by the entered change amount and the deposit account number Create a transfer request message (S235) and transmits to the relay system (S236).

The relay system analyzes the received request message (S237), stores it in the corresponding DB, and then transfers it to the banking system (S238). The banking system transfers the account from the shop owner's bank account to the buyer's bank account (S239). After that, the complete transfer account is generated (S240) and transmitted to the relay system (S241).

The relay system analyzes the received bank transfer completion message (S242) and stores it in the DB (S243), and then generates a processing result message for the task and transmits it to the financial terminal (S244).

The financial terminal analyzes the received full text of the processing result and outputs the processing result (S245), and prints the receipt (S246).

3 is a block diagram of the change payment system using the financial terminal according to the present invention, when the store owner inputs the amount of change and account transfer information (or deposit currency information) into the financial terminal 1, the financial terminal 1 is The input information is converted into communicable data and transmitted to the relay server 21 of the relay system 2 through the wireless transmitter / receiver 141 or the wired receiver 142.

The relay server 21 analyzes the received data and stores it in the DB storage unit 211, and then the bank server of the company server 31 or the bank system 4 of the prepaid card issuing system 3 for each task. 41).

The company server 31 and the bank server 41 analyzes the received work request data, processes the work, and transmits the work to the relay server 21 of the relay system 2 again, in the case of the company server 31. The information about the prepaid card is generated or changed and stored in the DB storage unit 311.

The relay server 21 stores the received processing result data in the DB storage unit 211, and then transmits it to the financial terminal 1, and the financial terminal 1 analyzes the received business process result data. The processing result is displayed on the screen or printed out on the printer.

Figure 4 is a block diagram of the financial terminal of the change payment system using the financial terminal according to the present invention, the store owner (or buyer) inputs the change amount or bank account number through the key input device 121 of the input unit 12 The information of the prepaid card is input through the MC (Magnetic Card) reader 122, the RF (Radio Frequency) receiver 123, the IC (Integrated Circuit) card reader 124 or the like.

The information input to the input unit 12 is converted into data that can be communicated by the processing unit 11 and transmitted to the relay system 2 through the wireless transmission / reception unit 141 or the wired transmission / reception unit 142 of the transmission / reception unit 14. The business process result data received from the relay system 2 is received by the wireless transmission / reception apparatus 141 or the wired transmission / reception apparatus 142 of the transmission / reception section 14 and transmitted to the processing section 11.

The processing unit 11 analyzes the received business process results and displays them on the screen display device 131 of the output unit 13 or outputs them to the printer 132, and data transmitted and received through the transmission and reception unit 14 is stored. It can be stored in the unit 15 and used as statistical data.

At this time, when the prepaid card is a built-in type, it can be charged through the MC reader 122, the RF receiver 123 or the IC card reader 124 of the input unit 12.

The present invention may be modified in various ways without departing from the basic concept according to the needs of those skilled in the art.

As described above, according to the present invention, it is possible to reduce the use of coins to reduce the cost of producing and distributing coins, and to expand the use of prepaid cards to ensure transparent financial flow.

Claims (2)

Receiving, by the financial terminal, the processing request information for payment of change, generating a request message, and transmitting the request message to the relay system; Analyzing and storing the request message received by the relay system; and Transmitting data on the bank transfer of the analyzed request message to a banking system; and Analyzing and processing the received bank transfer data by the banking system; and Transmitting the processed account transfer result to a relay system; Receiving, storing, and transmitting the result of the account transfer processing to the prepaid card system; Changing the DB according to the received account transfer processing result by the prepaid card system and transmitting the change result to the relay system; and Storing the DB change result received by the relay system; and Transmitting, by the relay system, a bank transfer processing result and a DB change result to a financial terminal; And The method of payment change using a financial terminal, characterized in that for performing the function according to the account transfer processing result and DB change result received by the financial terminal. An input unit 12 for inputting a change amount, a bank account number, and information of a prepaid card; An output unit 13 which shows a result of the business process; A processing unit 11 for analyzing the data input from the input unit 12 and converting the data into transmittable data or analyzing the business process result and transmitting the result to the output unit 13; Transmitting and receiving unit 14 for transmitting the data converted by the processing unit 11 or transmits the received data to the processing unit 11 and A financial terminal (1) comprising a storage unit (15) for storing information analyzed by the processing unit (11), A relay system (2) for receiving and analyzing business request information from the financial terminal (1) or analyzing and storing business processing results and transmitting the result to the financial terminal (1); A prepaid card system 3 for receiving and processing business request information related to the prepaid card from the relay system 2 and transmitting the result to the relay system 2; A change payment system using a financial terminal, comprising a banking system (3) for receiving and processing bank-related business request information from the relaying system (2) and transmitting the result to the relaying system (2).