經濟部智鞋財產局員工消費合作社印製 4367 3B at ________ B7 五、發明説明（/ ) 發明背景： 本發明是關於銷售點系統（Point of Sale System，簡稱為 P〇S)以金融卡交易付款的一種方法，特別是以信用卡或簽 帳卡付費’在取得擬交易額的預先核可後，設定刷卡交易的 一種方法’以及完成交易後，實際交易額與擬交易額間有差 異時’解決因此種差異所引起爭端的方法。此外，銷售商可 避免偽卡及退費所帶來的風險，而且由於不須消費者簽名， 因而不須收銀人員，引進真正無收銀員，自助式的銷售管理 系統。在此’擬交易額可以是最大可交易額，消費者輸入之 金額，或儲存於POS系統内，系統預建之數個最大容許交易 額。 雖然以下的說明是以加油站之自助式加油機為例，但是 本發明之應用並不受限於任何一種機器。 習知技術： 習知的銷售管理系統一般是用來處理金融卡或現金交易 的付款。特別是在較昂貴的系統，自助式POS系統通常與銷 售管理系統整合，以便根據簽核結果來控制販賣機。該簽核 結果是由刷卡終端機，透過通訊電纜，連接到發卡機關或加 值型網路通訊公司，而取得的。但是使用這樣的系統，刷卡 終端機的操作人員必須與銷售管理系統待在同一個地方。美 國專利第5,652,786揭露了-種互動式的自動化掛帳系統，用 來處理利用簽帳卡號’但不須個人識別碼，的交易付款。 圖一所不之示意圖為-自助式油品供應方式，具有信用 拓^用中國國家---- (請先閲讀背面之注意事項再填寫本頁) 訂 436738 A7 B7 經濟部智慧財產局員工消費合作社印製 兀 五、發明説明（ 卡/簽帳卡付費裝置，而其自助式銷貨系統為一般的加油裝 置。請參閱圖一’持卡人出示信用卡或簽帳卡，要求設定加 油金額’售貨員利用POS系統’透過刷卡終端機取得該消費 金額的核可後’請消費者簽名。然後消費者再到加油機處， 使用加油搶5加油。 圖二所示之示意圖為一自助式油品供應方式，利用P〇s 系統可以信用卡/簽帳卡付費裝置’其中p〇S系統與刷卡終 端機整合為一。消費者在加油機旁，一戶外終端機上的信用 卡辨識裝置或簽帳卡辨識裝置2 (或現金辨識裝置3)讀卡 後’消費者利用按鍵1設定欲消費的金額。終端機透過串列 式通訊自動取得持卡消費核可後，印表機4列印刷卡付費核 可條’然後δ又疋加油機的加油金額。然後，消費者才可利用 加油搶5自助式加油。 圖三所示之示意圖為一自助式油品供應方式，具有自助 式油品供應系統’可提供信用卡/簽帳卡付費裝置。該系統包 含一is用卡辨識裂置，一簽帳卡辨識裝置，一現金辨識事置， 一收據機’以及數個設定鍵。利用加油機上的卡片辨識装置 3讀卡後’消費者利用設定鍵設定加油金額或加油量。自助 式油品供應系統透過辦公室内的POS系統，或加油系統内部 的串列式通訊線，取得持卡消費核可後，設定核可的加油金 額或加油量。之後，消費者才可以利用加油搶5自行加油。 加完油後’自助式油品供應系統利用印表機4列印收據， 成作業。 上述圖二所描述的系統裡’消費者必須先取得持卡消 I:--：------------訂 - - f請先閱讀背面之注意事項再填寫本頁} 436738 五、發明説明（〉） =的交易核可後才可以加涵（如果先加油再取得消費核可， 容易造成、;肖費者與加舰之_爭執，因此不適用於自助式 油品供應系統。）此外，消費者須先設定消費金額，以取得 消費核可’然而消費者無法確知需要加多少油量，因此核可 的金額只是一個大概的數。 也極可能油箱已經加滿油了，而仍未達到設定的量，因 而消費者要求退還實際加油金額與實際交易金額二者間的 差。 此外，如果在持卡交易核准後，消費者要求取消交易， 這種情況就更難以處理了。 為解決上述問題’持卡交易的核准應在加油之後。但是 如果在加油後’可能由於金融已失效，卡持卡交易遭到拒絕， 消費者與加油站之間就會起爭端。特別是在一個沒有收銀員 的自助式加油站，如果未取得持卡交易核可前加油，就會有 上述的缺失產生。 發明簡述： 本發明的目的就是要克服上述習知技術的缺點。本發明 的目的就是要提供一個在POS系統裡，能接受信用卡付款或 簽帳卡付款的刷卡交易設定方法，特別是以信用卡或簽帳卡 付費，在取得擬交易額的預先椋可後，設定刷卡交易的一種 方法’以及完成交易後’實際交易額與擬交易額間有差異時， 解決因此種差異所引起爭端的方法。此外，銷售商可避免偽 卡及退費所帶來的風險，而且由於不須消費者簽名，因而不 本紙張尺度適用中國國家標準（CNS>A4洗格（210>^297公釐） ' (請先閲讀背面之注意事項再填寫本頁) 訂. 經濟部智慧財產局員工消費合作社印製 4367 3 8 A7 一__,_____B7 五、發明説明(十) '~~~' 須收銀人員’引進真正無收银員，自助式的鎖售管理系統。 本發明的另外-個目的就是要提供_個在p〇s系統 裡’邊接^:侧卡付款或簽帳卡付款的刷卡交練定方法。 該方法包含下列㈣：在卡㈣人並設跋交賴後，請求 擬交易額的預先核可；查詢卡#資料，以驗證卡#的有效性 後’取得擬交胸_缝可；在取得擬交魏的預先核可 後，控制商品銷售，該控制步驟包括准許商品銷售’顯示准 許狀癌，以及確認完成商品銷售；完成控制步驟後，請求實 際交易額之事後核可，請求步驟包括禁止後續的商品銷售， 以及顯示禁止狀態；取得實際交易額之事後核可；以及取得 實際交易額之事後核可後’設定銷售點系統至其初始狀態， 該初始狀態設定步驟包括產生實際交易额之收據，以及退出 卡片。 本發明的另外一個目的就是要提供一個在P0S系統 裡，能接受刷卡交易設定，其中請求擬交易額的預先核可步 驟的執行條件為，卡片插入後’該卡片的個人識別碼已輸入。 本發明的另外一個目的就是要提供一個在POS系統 裡’也接受刷卡父易設定，該方法進一步包含，在取得擬交 易額的預先核可後’即刻執行取消擬交易額的預先核可步驟。 本發明的另外一個目的就是要提供一個在POS系統 裡’能接受刷卡交易設定，該方法進一步包含，在控制商品 銷售後即刻執行取消擬交易額的預先核可步驟。 本發明的另外一個目的就是要提供一個在p〇S系統 裡，能接受刷卡交易設定，該方法進一步包含，在取得實際 本紙張尺度適用t國國家標^TcNS ) A4規格（21〇i297公釐） ' - :| - ϋ :丨._I n - n--^^-- E * (請先閱讀背面之注意事項再填寫本頁) ，11 經濟部智慧財產局員工消費合作社印製 五 _ 經濟部智慧財產局員工消費合作社印製 4367 3 8 A7 ______— B7 _ _ 、發明説明（ 交易額之事後核可後，即刻執行取消擬交易額的預先核可步 驟。 本發明的另外一個目的就是要提供一個在P0S系統 裡，能接受刷卡交易設定，該方法進一步包含，在控制商品 銷售後，評估實際交易額與擬交易額間的差異，該評估步驟 包括’實際交易額與擬交易額相同時，或超過與擬交易額時， 禁止後續的商品銷售’並顯示禁止狀態。 圖式說明： 圖一〜三的示意圖說明習知技術，利用信用卡或簽帳卡付 費的自助式加油方法。 圖四為一方塊圖為一自助式加油機的内部結果，說明依 據本發明的實施例，POS系統裡更正銷售系統刷卡金額錯誤 的方法。 圖五為圖四之自助式加油機的一實施例。 圖六為一流程圖，說明圖四之自助式加油機的設定刷卡 交易的方法。 圖七之流程圖為另一實施例，說明圖四之自助式加油機 的設定刷卡交易的方法。 圖八A-圖八c說明根據本發明的方法’請求及取得擬交 易額預先核可的路徑。 圖九A-圖九C說明根據本發明的方法，請求及取得實際 交易額事後核可的路徑。 T> 未紙張尺度適用中國國家標準（CNS ) Α4規格（210Χ297公釐） {請先閲讀背面之注意事項再填寫本頁)4367 3B at ________ B7 printed by the Employees ’Cooperative of the Ministry of Economics and the Property Bureau of the Ministry of Economics 5. Description of the Invention (/) Background of the Invention: The present invention relates to the Point of Sale System (P0S) for payment by financial card transactions. A method, especially paying by credit card or debit card, 'a method of setting up a credit card transaction after obtaining the pre-approval of the intended transaction amount', and after completing the transaction, there is a difference between the actual transaction amount and the intended transaction amount ' Therefore, this kind of difference causes disputes. In addition, sellers can avoid the risks caused by counterfeit cards and refunds. Moreover, because they do not need consumer signatures, they do not need cashiers, and they introduce a self-service sales management system without cashiers. Here, the planned transaction amount can be the maximum tradable amount, the amount entered by the consumer, or several maximum allowable transaction amounts pre-built by the system stored in the POS system. Although the following description is based on a self-service dispenser at a gas station as an example, the application of the present invention is not limited to any kind of machine. Known technology: The conventional sales management system is generally used to process payment by financial card or cash transaction. Especially in more expensive systems, self-service POS systems are often integrated with sales management systems to control vending machines based on the results of the signing. The signing result was obtained by the card swiping terminal and connected to the card issuer or value-added network communication company through the communication cable. However, with such a system, the operator of the credit card terminal must be in the same place as the sales management system. U.S. Patent No. 5,652,786 discloses an interactive, automated billing system for processing payment for transactions using a debit card number 'but without a personal identification number. The schematic diagram in Figure 1 is-self-service oil supply method, with credit extension ^ for the use of Chinese countries ---- (Please read the precautions on the back before filling out this page) Order 436738 A7 B7 Employees of the Intellectual Property Bureau of the Ministry of Economy Consumption The cooperative prints five. Description of the invention (Card / debit card payment device, and its self-service sales system is a general refueling device. Please refer to Figure 1 'Cardholder presents credit card or debit card, request to set fuel amount' The salesperson uses the POS system 'after obtaining the approval of the consumption amount through the credit card terminal' and asks the consumer to sign. Then the consumer goes to the dispenser and uses the fuel to grab 5 fuel. The diagram shown in Figure 2 is a self-service oil product. Supply method, credit card / debit card payment device can be used by the P0S system, where the P0S system and the credit card terminal are integrated into one. Consumers are next to the dispenser, a credit card identification device or a debit card on an outdoor terminal After the identification device 2 (or cash identification device 3) reads the card, the consumer uses button 1 to set the amount to be consumed. After the terminal automatically obtains the card consumption approval through serial communication, The meter prints 4 columns of the card for payment approval, and then δ increases the refueling amount of the dispenser. Then, consumers can use the refueling to grab 5 self-service refueling. The diagram shown in Figure 3 is a self-service fuel supply method. With self-service oil supply system 'can provide credit / debit card payment devices. The system includes an is card identification split, a charge card identification device, a cash identification device, a receipt machine' and several settings Key. After reading the card using the card identification device 3 on the dispenser, the consumer uses the setting key to set the amount or amount of refuel. The self-service oil supply system uses the POS system in the office or the serial communication line in the refuel system. After obtaining the card consumption approval, set the approved refueling amount or refueling amount. After that, the consumer can use the refueling 5 to refuel on his own. After refueling, the 'self-service oil supply system uses the printer 4 to print The receipt is completed. In the system described in Figure 2 above, 'Consumers must first obtain a card holder I:-: ------------ Order- -f Please read the notes on the back first Refill this page} 43 6738 V. Description of the invention (〉) = Can be added only after the transaction is approved (If you refuel first and then obtain the consumer approval, it is easy to cause, and the dispute between Xiao Fei and Jia Jian is not applicable to self-service oil products. Supply system.) In addition, consumers must first set the amount of consumption in order to obtain consumption approval. 'However, consumers cannot determine how much fuel they need to add, so the approved amount is only an approximate figure. It is also possible that the fuel tank is already full of fuel. And the amount is still not reached, so consumers demand a refund of the difference between the actual refueling amount and the actual transaction amount. In addition, if the consumer asks to cancel the transaction after the card transaction is approved, this situation is even more difficult In order to solve the above problem, 'approval of card transaction should be after refueling. But if after refueling', the card transaction may be rejected due to financial failure, and there will be disputes between consumers and gas stations. Especially at a self-service gas station without a cashier, if you do not refuel before you get a card transaction approval, you will have the above-mentioned shortcomings. Brief description of the invention: The object of the present invention is to overcome the disadvantages of the conventional techniques described above. The purpose of the present invention is to provide a credit card or debit card payment setting method in a POS system, which can accept credit card payment or debit card payment. In particular, payment is made by credit card or debit card. A method of credit card transaction 'and a method of resolving disputes caused by such differences when there is a difference between the actual transaction amount and the intended transaction amount after the transaction is completed. In addition, sellers can avoid the risks caused by counterfeit cards and refunds, and because the consumer's signature is not required, the Chinese national standard (CNS > A4 Washing (210 > ^ 297 mm) is not applicable to this paper size) '( Please read the notes on the back before filling this page.) Order. Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 4367 3 8 A7 A __, _____B7 V. Description of the invention (ten) '~~~' Cashiers must be introduced There is no cashier, self-service lock-up management system. Another object of the present invention is to provide a method of 'swipe ^: side card payment or debit card payment in the p0s system. The method includes the following steps: After the cardholders set up a post, they request the pre-approval of the proposed transaction amount; query card # data to verify the validity of card # to obtain the proposed chest_sewing; After obtaining the pre-approval to be submitted to Wei, control the sale of goods. The control steps include permitting the sale of goods to show the approval of cancer, and confirming the completion of the sale of the goods. After completing the control steps, request the actual approval of the transaction amount afterwards. No follow-up Product sales, and display prohibited status; post-approval after obtaining the actual transaction amount; and post-approval after obtaining the actual transaction amount 'set the point of sale system to its initial state, the initial state setting step includes generating a receipt of the actual transaction amount, And withdrawing the card. Another object of the present invention is to provide a card swipe transaction setting that can be accepted in the POS system, in which the execution condition of the pre-approval step requesting the intended transaction amount is that after the card is inserted, the card's personal identification number Already inputted. Another object of the present invention is to provide a POS system that also accepts the setting of a credit card, and the method further includes, immediately after obtaining the pre-approval of the intended transaction amount, performing a pre-approval of the intended transaction amount immediately. Steps. Another object of the present invention is to provide a card accepting transaction setting in the POS system. The method further includes performing a pre-approval step of canceling the intended transaction amount immediately after controlling the sale of the product. Another aspect of the present invention One purpose is to provide a system that can be accepted in the PS system. Card transaction setting, the method further includes, in obtaining the actual paper size, the national standard ^ TcNS) A4 specification (21〇i297 mm) '-: |-ϋ: 丨 ._I n-n-^^- -E * (Please read the notes on the back before filling out this page), 11 Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs 5_ Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs 4367 3 8 A7 ______— B7 _ _ 、 Description of the invention (After the transaction amount is approved afterwards, the pre-approval step of canceling the intended transaction amount is performed immediately. Another object of the present invention is to provide a P0S system that can accept credit card transaction settings. The method further includes, in After controlling the sale of goods, evaluate the difference between the actual transaction amount and the planned transaction amount. This evaluation step includes 'Prohibit subsequent product sales when the actual transaction amount is the same as the planned transaction amount or exceeds the planned transaction amount' and display the prohibited status. . Schematic description: The schematic diagrams in Figures 1-3 illustrate the self-service fueling method of the conventional technology using a credit or debit card to pay. Fig. 4 is a block diagram showing the internal results of a self-service dispenser, illustrating a method for correcting an incorrect credit card payment amount in a sales system in a POS system according to an embodiment of the present invention. FIG. 5 is an embodiment of the self-service dispenser of FIG. 4. Fig. 6 is a flowchart illustrating a method for setting up a credit card transaction of the self-service dispenser of Fig. 4. The flowchart of FIG. 7 is another embodiment, which illustrates a method for setting a credit card transaction of the self-service dispenser of FIG. 4. Figures 8A-C illustrate the method of requesting and obtaining a pre-approved path for a transaction amount according to the method of the present invention. Figures 9A-C illustrate the method of requesting and obtaining the actual transaction amount approved afterwards according to the method of the present invention. T > Chinese paper standard (CNS) Α4 specification (210 × 297 mm) for non-paper size {Please read the precautions on the back before filling this page)
4367 3 8 五、發明説明（t?) 圖號說明： 1-按鍵 3-現金辨識裝置 5-加油搶 100-加油裝置 120-電源裝置 131-位置偵測裝置 133,設定裝置 135〜數值控制裝置 137-電磁閥 200-交易設定終端機4367 3 8 V. Description of the invention (t?) Description of drawing number: 1-button 3-cash identification device 5-refueling 100-refueling device 120-power supply device 131-position detection device 133, setting device 135 ~ numerical control device 137-Solenoid valve 200-Transaction setting terminal
230-安全存取模組SAM RS-232-透過通訊電纜 240-數據機 A7 B7 2-信用或簽帳卡辨識裝置 4-印表機 110-控制單元 132-顯示器 134-脈衝產生裝置 136-加油嘴開關 138-幫浦/流量計 210·交易設定控制單元 RS-485-透過通訊電規 (請先閱讀背面之注意事項再填寫本頁) -訂 經濟部智慧財產局員工消費合作社印製 25卜現金辨認裝置 251a-取出/插入現金的現金插入孔 252a-可取出/插入磁卡及ic卡的卡片 253a-螢光鏡窗 252-磁卡辨識裝置 254- 卡片識別裝置 255- 設定裝置 257_狀態顯示裝置 259-收據裝置 611至626-流程步驟 253-無線電周波卡辨識裝 256-液晶(LCD)顯示裝置 258-語音輸出裝置 711至728-流程步驟 置 本紙張尺度適用中國國家標準（CNS } A4規格（210X297公釐） 4367 3 A7 B7 經濟部智慧財產局員工消費合作社印製 五、發明説明（1) ~ — 較佳實施例： '以下參照附圖，詳細說明本發明的一個較佳實施例，並 以應用於自助式加油機為例。 圖四為-自助式加油機内部結構的方塊圖，用來說明本 發明應用在-POS H更正__刷卡金額錯誤的方 法。圖四之自助式加油機包含—加油襄置副，以及一交易 設定終端機200。加油裝置刚包含至少一個加油孔，一個 控制單元110 ;該控制單元110透過通訊電繞（RS_485)連 接’接收-外部控制終端機的指令，以決定是否供油，並在 接獲供油如令後’計算供油量，以顯示每公升油價及加油總 金額。出油由數量與加油孔相物油侧鎖㈣來控制。控 制單兀110並且同時透過通訊電纜⑽_485)往外傳送加法金 額。父易设疋終端機200包含一現金辨認裝置以掃瞄現金， -個卡片識別裝置以讀取各式卡片裡所儲存的資訊，以及一 個交易設定控制單元210。交易設定控制單元210透過通訊 電纜（RS-485) ’連接至加油機控制單元11〇。如果讀卡後， 卡片裡所儲存的資訊經徵信為有效，交易設定控制單元21〇 與各個單元連繫’發出供油指令，並控制依交易設定的自動 付款作業。 交易設定終端機200還包含一設定裝置255，以依消費 者決定’設定付款選擇（現金或刷卡）以及加油方式（固定油 量’或固定加油金額）。交易設定終端機200還包含一液晶 (LCD)顯示裝置256，用來以圖形或文字顯示與交易相關的 設定資訊；一狀態顯示裝置257,以LED或燈泡顯示目前狀 本纸張尺度適用中國國家榡準（CNS ) A4規格（210X297公釐） . T ----------.装------訂------1 C請先閱讀背面之注意事項再填寫本育) 4367 3 8 A? B7 五、發明説明（ί ) 悲，一 S吾音輸出裝置258 ’以預錄的語音輸出液晶（LCD)顯 示裝置256及狀態顯示裝置257所顯示與交易相關的資訊。 現金辨認裝置251包含一現金插入孔，—掃晦現金裝置，以 辨認插入之現金是否為偽鈔卡片識別裝置252，253，及254 包含一·^片插入孔’一螢光鏡窗’可以在一特定距離内感測 無線電周波卡，一無線電周波卡片辨識裝置，以讀取卡片上 的資訊；一磁卡辨識裝置，以讀取卡片上磁條裡的資訊；一 1C卡辨識裝置’以讀取包覆在卡片裡IC晶片所儲存的資訊。 上述這些卡片辨識裝置可以讀取插入卡片的資訊，或者通過 螢光鏡窗的卡片資訊。交易設定終端機200進一步包含一安 全存取模組SAM 230,以離線確認透過通訊電纜及通訊界面 電路所讀取的卡片資訊；以及一數據機240，以提供系統與 發卡機構/加值網路公司間’線上讀卡資訊確認的資訊傳輸。 交易設定終端機200進一步包含一電源裝置〖2〇，以提供系 裡各單元以及收據裝置259的電源。 安全存取模組SAM230透過通訊電纔（r§_232)與交易 設定控制單元210連接，可用來判別讀入無線電周波卡片辨 識裝置253或1C卡辨識裝置254的卡片有效性。交易設定控 制單元210連接至電源裝置120。交易設定控制單元21〇連 接至包含磁卡辨識裝置252 ’無線電周波卡辨識裝置253，以 及1C卡辨識裝置254的交易設定裝置。交易設定控制單元 210進一步連接至收據裝置259,顯示指令以完成交易的液晶 (LCD)顯示裝置256 ’顯示目前系統操作狀態的狀態顯示裝 置257 ’提供語音訊息的語音輸出裝置258，以及操作選擇鍵 ^^尺度適用中國國家標準（〇奶）八4規格（210^297公釐）~~ (請先閲讀背面之注意事項再填寫本頁} -230-Security access module SAM RS-232- Via communication cable 240-Modem A7 B7 2-Credit or charge card identification device 4-Printer 110-Control unit 132-Display 134-Pulse generator 136-Fuel Mouth switch 138-Pump / Flowmeter 210 · Transaction setting control unit RS-485- Via communication electrical regulations (Please read the precautions on the back before filling this page) Cash identification device 251a-Cash insertion hole for taking out / inserting cash 252a-Cards that can take out / insert magnetic and ic cards 253a-Fluorescent window 252-Magnetic card identification device 254-Card identification device 255-Setting device 257_Status display device 259-receipt device 611 to 626-flow step 253-radio frequency card identification device 256-liquid crystal (LCD) display device 258-speech output device 711 to 728-flow step setting This paper size applies Chinese national standard (CNS) A4 specification ( 210X297 mm) 4367 3 A7 B7 Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 5. Description of the invention (1) ~-Preferred embodiments: 'A preferred implementation of the present invention will be described in detail below with reference to the drawings. Take the self-service dispenser as an example. Figure 4 is a block diagram of the internal structure of the self-service dispenser, which is used to illustrate the method of the present invention applied to -POS H to correct the __ credit card amount error. Figure 4 of the self-service dispenser The refueling machine includes a refueling assistant and a transaction setting terminal 200. The refueling device just includes at least one refueling hole and a control unit 110; the control unit 110 is connected to a 'receiving-external control terminal' through a communication coil (RS_485). Order to determine whether to supply fuel, and after receiving the fuel supply order, 'calculate the fuel supply amount to display the price per liter of oil and the total amount of fuel. The amount of oil is controlled by the lock on the oil side of the fuel filler phase. The control unit 110 transmits the added amount to the outside via the communication cable (⑽_485) at the same time. The parent terminal 200 includes a cash identification device to scan cash, a card identification device to read information stored in various cards, and a transaction setting control unit 210. The transaction setting control unit 210 is connected to the tanker control unit 11 via a communication cable (RS-485) '. If after reading the card, the information stored in the card is validated by credit, the transaction setting control unit 21 associates with each unit and issues a fuel supply instruction, and controls the automatic payment operation according to the transaction setting. The transaction setting terminal 200 further includes a setting device 255 to set a payment option (cash or credit card) and a fueling method (fixed fuel amount or fixed fuel amount) according to the consumer's decision. The transaction setting terminal 200 also includes a liquid crystal (LCD) display device 256 for displaying the setting information related to the transaction in graphics or text; a status display device 257 for displaying the current status by LED or light bulb. Standard (CNS) A4 specification (210X297 mm). T ----------. Installation ------ Order ------ 1 C Please read the notes on the back before filling This education) 4367 3 8 A? B7 V. Description of the invention () Sad, a sound output device 258 ′ outputs the liquid crystal (LCD) display device 256 and status display device 257 with transaction-related Information. The cash recognition device 251 includes a cash insertion hole, a scraping cash device to identify whether the inserted cash is a counterfeit banknote. Card recognition devices 252, 253, and 254 include a single insertion hole. Sensing a radio frequency card within a specific distance, a radio frequency card identification device to read the information on the card; a magnetic card identification device to read the information in the magnetic strip on the card; a 1C card identification device to read the packet Overlay the information stored in the IC chip in the card. These card identification devices can read the information of the inserted card or the card information through the fluorescent window. The transaction setting terminal 200 further includes a secure access module SAM 230 for offline confirmation of card information read through communication cables and communication interface circuits; and a modem 240 to provide the system and card issuer / value-added network Intercompany's online card reading information confirms the transmission of information. The transaction setting terminal 200 further includes a power supply device [20] to provide power for each unit in the system and the receipt device 259. The security access module SAM230 is connected to the transaction setting control unit 210 through a communication cable (r§_232), and can be used to judge the validity of the card read into the radio frequency card identification device 253 or the 1C card identification device 254. The transaction setting control unit 210 is connected to the power supply device 120. The transaction setting control unit 21 is connected to a transaction setting device including a magnetic card identification device 252 ', a radio frequency card identification device 253, and a 1C card identification device 254. The transaction setting control unit 210 is further connected to a receipt device 259, a liquid crystal (LCD) display device 256 which displays instructions to complete a transaction 256 'a status display device 257 which displays the current operating status of the system, a voice output device 258 which provides a voice message, and an operation selection key ^^ The scale applies to the Chinese national standard (〇 奶) 8 4 specifications (210 ^ 297 mm) ~~ (Please read the precautions on the back before filling this page}-
，1T 經濟部智慧財產局員工消費合作社印製, 1T Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs
4367 3 B A7 B7 經濟部智慧財產局員工消費合作社印製 五、發明說明（1 ) 的設定裝置255。 當然，卡辨識裝置可以視須要，S己備部份或全部的磁卡 辨識模組，無線電周波卡片辨識裝置，以及1C卡辨識裝置， 並加以調整。 加油裝置1〇〇由電源裝置120提供電源，並將儲存在地 下油庫的汽油，利用加油嘴開關136及閂鎖的開/合，將油抽 到幫浦/流量計138，以透過加油嘴提供汽油，油量則由加油 的設定裝置133所決定’計算出來的加油金額則顯示在顯示 器132。幫浦/流量計138裡的脈衝產生裝置134及位置偵測 裝置B1 ’將偵測訊號傳送到加油機控制單元110，然後加油 機控制單元利用邏輯作業（即程式）比較收到的偵測訊號與 設定的加油量，二者間的差異，根據比較結果再分別傳送控 制訊號至數值控制裝置135。電磁閥137依傳來的控制訊號 控制油量。油機控制單元110透過通訊電纜（RS_485)與交 易設定終端機200的控制單元210傳送訊息，因而由設定裝 置255所設定的加油量得以受到控制，而同時加油裝置1〇〇 也已經啟動。 圖五所示為圖四的自助式加油機。圖五的自助式加油機 只有一個油孔。該自助式加油機包含一個液晶（LCD)顯示 裝置256,用來賴形或文字顯示按鍵操作所須要的資訊、 一個包含信用卡設定鍵、一 RPAC卡設定鍵、一現金設定鍵' 設定供油類別，如固定金額或固定油量，所用的複數個功能 選擇鍵、複數個數字鍵、—修正鍵'一用來選擇適當選擇表 單的拒絕鍵、-不論以信用卡，簽帳卡或預付卡付款的收據4367 3 B A7 B7 Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 5. Setting device 255 of the invention description (1). Of course, the card identification device may be provided with some or all of a magnetic card identification module, a radio frequency card identification device, and a 1C card identification device as needed, and adjusted. The fueling device 100 is provided with power by the power supply device 120, and the gasoline stored in the underground oil depot is pumped to the pump / flow meter 138 by the opening / closing of the fuel filler switch 136 and the latch, so as to be provided through the fuel filler. The amount of gasoline and fuel is determined by the fueling setting device 133, and the calculated fueling amount is displayed on the display 132. The pulse generating device 134 and the position detecting device B1 in the pump / flow meter 138 'transmit the detection signal to the tanker control unit 110, and then the tanker control unit compares the received detection signal by a logical operation (ie, a program) The difference between the two and the refueling amount are transmitted to the numerical control device 135 according to the comparison result. The solenoid valve 137 controls the amount of oil in response to a control signal transmitted. The oil engine control unit 110 transmits a message to the control unit 210 of the transaction setting terminal 200 through the communication cable (RS_485), so the refueling amount set by the setting device 255 can be controlled, and at the same time, the refueling device 100 has also been started. Figure 5 shows the self-service dispenser of Figure 4. The self-service dispenser of Figure 5 has only one oil hole. The self-service dispenser includes a liquid crystal (LCD) display device 256, which is used to display the information required for key operation by text or text, a credit card setting key, an RPAC card setting key, and a cash setting key. , Such as a fixed amount or a fixed amount of oil, multiple function selection keys, multiple number keys, —correction key '-a rejection key to select the appropriate selection form,-whether paid by credit card, debit card or prepaid card receipt
(請先閲讀背面之注音？事項再填寫本頁) 裝---- 訂· IIII.----蜱 43673 8 A7 經濟部智慧財產局員工消費合作枉印製 B7 五、發明說明（） 提供裝置259、讀取無線電周波卡的螢光鏡窗253a、一取出/ 插入現金的現金插入孔251a、以及一可取出/插入磁卡及1C 卡的卡片252a。上述這些元件都是裝置在前端。自助式加油 機可進一步包含一加油嘴14a以及一加油槍Η，用來將地下 油槽的汽油抽上來；以及一顯示器132，用來顯示計算出來 的加油金額及油品單價。 圖六之流程圖說明圖四及圖五所不之自助式加油機，設 定刷卡交易方法的一個實施例。步驟611-616為請求交易前 之「預先核可」一「擬交易額」，步驟617、618取得「擬交 易額」之「預先核可」’步驟619-622控制油品銷售，步驟 623請求交易後之「事後核可」一「實際交易額」，步驟624 取得「實際交易額」之「事後核可」，以及步驟625、626 設定自助式加油機至其初始狀態。請求「擬交易額」之「預 先核可」（步驟611-616)的執行條件為，插入卡片、設定擬 交易額，並輸入個人識別碼。 步驟611-616之後，步驟617、618為詢問卡片資訊後， 檢查卡片是否有效。如果無法取得「擬交易額」之「預先核 可」，在顯示相關錯誤訊息後，卡片直接退出，還认 反之，如綱「㈣額」之「咖可」， 以控制油品銷售。步驟619-622包括許可油品鎖售，顯示許 可狀態’檢查並顯示供油時實際交易額的變動，完成油。銷 售。接下來執行步驟必，以禁止油品繼續供應，並顯:杯 止狀態。接下來執行步驟似，以取得「實際交 ;(Please read the phonetic on the back? Matters before filling out this page.) ---- Order · IIII. ---- Tick 43673 8 A7 Consumption Cooperation between Employees and Intellectual Property Bureau of the Ministry of Economic Affairs 枉 Printed B7 V. Description of Invention () Provide Device 259, a fluorescent mirror window 253a for reading a radio frequency card, a cash insertion hole 251a for removing / inserting cash, and a card 252a for removing / inserting a magnetic card and a 1C card. All these components are mounted on the front end. The self-service refueling machine may further include a refueling nozzle 14a and a refueling gun for pumping gasoline from the underground oil tank; and a display 132 for displaying the calculated refueling amount and unit price of the oil product. The flowchart of FIG. 6 illustrates an embodiment of a method for setting up a card swiping transaction in the self-service dispenser provided in FIGS. 4 and 5. Steps 611-616 are "pre-approval" and "planned transaction amount" before requesting a transaction. Steps 617 and 618 obtain "pre-approval" for "planned transaction amount". Steps 619-622 control oil sales. Step 623 requests After the transaction, "post-approval"-"actual transaction amount", step 624 obtains "post-approval" of "actual transaction amount", and steps 625, 626 set the self-service dispenser to its initial state. The execution condition of requesting "pre-approval" (steps 611-616) of "planned transaction amount" is to insert a card, set a proposed transaction amount, and enter a personal identification number. After steps 611-616, steps 617 and 618 check whether the card is valid after asking for card information. If the “pre-approval” of “planned transaction amount” cannot be obtained, after displaying the relevant error message, the card is directly withdrawn, and the other way round, such as the “caco” of the outline “large amount”, to control oil sales. Steps 619-622 include permitting oil products to be sold for sale, displaying the permit status' to check and display changes in the actual transaction amount during oil supply, and completing the oil. Sales. The next step must be performed to prevent the oil from continuing to be supplied, and the status of "stop" is displayed. The next steps are similar to get the "actual cross;
後核可」。最餘行步驟必、626,包括提供實際交易額之 ______1 II 本紙張尺度遇用中國國家標準㈣如規imo χ 297公爱厂 <請先閱讀背面之注意事項再填寫本頁) 裝--- -----訂-- ---I--- A7 4367 38 _____B7 _ 五、發明說明（（丨） 收據並退出卡片。 雖然圖六裡並来顯示’但如果未輸入個人識別碼，請求 交易前之「預先核可」一「擬交易額」的步驟仍可執行，以 避免插入卡片後，繁瑣的按鍵作業。 上述的設定刷卡交易的方法可進一步包含取消「擬交易 額」之「預先核可」步驟。該步驟可在取得「擬交易額」之 「預先核可」（步驟617、618)後立即執行，或在控制油品銷 售的步驟619-622之後執行’或在取得「實際交易額」之「事 後核可」的步驟624之後執行。如前所述，本方法的作業可 視需要加以調整，以增進系統的效率。 圖七之流程圖說明本發明設定刷卡交易方法的第二個實 施例。步驟711-716為請求交易前之「預先核可」一「擬交 易額」，步驟717、718取得「擬交易額」之「預先核可」， 步驟719取消「擬交易額」之「預先核可」，步驟72〇_721 控制油品銷售，步称722-724評估「實際交易額」與「擬交 易額」之差異’步驟725請求交易後之「事後核可」一「實 際交易額」，步驟726取得「實際交易額」之「事後核可」， 以及步驟727、728設定POS系統至其初始狀態。 請求「擬交易額」之「預先核可」（步驟711-716)的執 行條件為，插入卡片、設定擬交易額，並輸入個人識別碼。 步驟711-716之後，步驟717、718為詢問卡片資訊後， 檢查卡片是否有效。如果無法取得「擬交易額」之「預先核 可」，在顯示相關錯誤訊息後，卡片直接退出，還給持卡人。 反之’如果取得「擬交易額」之「預先核可」，立即執行步 __ 本紙張尺度ig财國國家標準（CNS)A4規^各¢2101 <請先閱讀背面之注意事項再填寫本頁) 訂----_1:——線. 經濟部智慧財產局員工消費合作社印製 297公釐） 經濟部智慧財產局員工消費合作社印製 4 3 67 3 8 A7 B7 五、發明說明（丨v) 驟719，以取消「擬交易額」之「預先核可」。然後，執行 步驟720-721以控制油品銷售。步騍720-721包括許可油品 銷售，顯示許可狀態，檢查並顯示供油時實際交易額的變動， 完成油品銷售。接下來執行步驟722-724 ’以評估「實際交 易額」與「擬交易額」之差異9步驟722-724包括「實際交 易額」超過「擬交易額」時，禁止油品繼續供應，以及顯示 禁止狀態。接下來執行步驟725，以請求「實際交易額」之 「事後核可」，步驟726取得「實際交易額」之「事後核可」。 最後執行步驟727、728，以設定POS系統至其初始狀態。 727、728包括提供實際交易額之收據並退出卡片。在整個作 業中，如果未輸入個人識別碼，請求交易前之「預先核可」 一「擬交易額」的步驟仍可執行，以避免插入卡片後，繁項 的按鍵作業。此外，取消「擬交易額」之「預先核可」的步 驟719，可以在控制油品銷售的步驟720-721之後，或取得 「實際交易額」之「事後核可」的步驟72ό之後執行。 如上所述，本發明的每一個步驟都可以有很多的變化。 例如，如果未輸入個人識別碼，請求交易前之「預先核 可」一「擬交易額」的步驟仍可執行，以避免插入卡片後， 繁瑣的按鍵作業。此外，執行步驟725後取得「實際交易額」 之「事後核可」，可以請求取消「擬交易额」之「預先核可」。」 如上所述，本發明的每-個步驟都可以很有彈性的予以變化。 圖八A〜圖八C說明自助式加油機與發卡機構間，請求 「擬交易額」之「預先核可」與授與該項核可之作業路徑。 圖九A〜圖九C說明自助式加油機與發卡機構間，請求「實 -----13 本紙張尺度刺㈣國辟（CNS)A4祕⑵〇 x 29f^7_________ (請先閱讀背面之注意事項再填寫本頁) 裝* -------訂--------|嫂 A7 436738 ___B7__ 五、發明說明) 際交易額」之「事後核可」與授與該項核可之作業路徑。 圖八A與圖九A所示之作業路徑為，核卡銀行以及卡片 承購公司（如加值型網路公司或煉油公司的電腦系統）為中 間站之作業路徑。圖八B與圖九B所示之作業路徑為，卡片 承購公司（如加值型網路公司或煉油公司的電腦系統）為中 間站之作業路徑。圖八C與圖九C所示之作業路徑為，自助 式加油機直接連線到發卡銀行。 請參閱圖八A〜圖八C及圖九A〜圖九C。在自助式加油 機設定刷卡交易之方法如下。首先消費者將卡片插入加油機 上的卡片辨識裝置252-254 〇在確認個人識別碼及「擬交易 額」已輸入後，自助式加油機透過圖八A所示之核卡銀行以 及其他通訊網路’或者透過圖八B的卡片承購公司，或者如 圖八C所示，直接通訊連繫，向發卡銀行請求「擬交易額」 之「預先核可」。如果取得發卡銀行的核可，加油機控制供 油量，並顯示油品供應資訊給消費者。因此在消費者輸入個 人識別碼或購油莖/購油金額後，就可以得到油品供應。當 然’也可以在消費者完成讀卡作業後，即供應油品，不須再 作按鍵輸入。 因此消費者經由顯示幕’認知可以得到油品供應時，就 可以利用加油機為車輛加油。接著系統讀取隨加油而變化的 供油量。在偵測到完成供油，或者供油量已超過先前設定的 「擬交易額」時’自助式加油機進入待命狀態，等待發卡銀 行對「實際交易額」之「事後核可」請求核准。或者另外一 種方式’先取消「擬交易額」之「預先核可」，然後請求「實 14After approval. " The remaining steps must be 626, including ______1 to provide the actual transaction amount. II This paper standard meets the Chinese national standard (as required by the standard imo χ 297 Gongai Factory < please read the precautions on the back before filling this page). ------ Order---- I --- A7 4367 38 _____B7 _ V. Description of the invention ((丨) Receipt and exit card. Although shown in the figure six, but 'If no personal identification code is entered , The steps of "pre-approval" and "planned transaction amount" before requesting a transaction can still be performed to avoid the tedious key operation after inserting a card. The above method of setting up a card transaction can further include cancelling the "planned transaction amount" "Pre-approval" step. This step can be performed immediately after obtaining the "pre-approval" (steps 617, 618) of the "planned transaction amount", or after steps 619-622 of controlling oil sales' or after obtaining The "actual transaction amount" is performed after step 624 of "post-approval". As mentioned above, the operation of this method can be adjusted as needed to improve the efficiency of the system. Second real For example, steps 711-716 are "pre-approval"-"planned transaction amount" before requesting a transaction, steps 717, 718 obtain "pre-approval" for "planned transaction amount", and step 719 cancels "planned transaction amount" "Pre-approval", step 72〇_721 controls oil sales, step 722-724 evaluates the difference between "actual transaction amount" and "planned transaction amount" step 725 "post-approval"-"actual" after requesting a transaction "Transaction amount", step 726 to obtain "post-approval" of "actual transaction amount", and steps 727, 728 to set the POS system to its initial state. Request "pre-approval" of "planned transaction amount" (steps 711-716) The execution conditions are as follows: insert a card, set the planned transaction amount, and enter a personal identification number. After steps 711-716, steps 717 and 718 ask for card information and check whether the card is valid. If the "planned transaction amount" cannot be obtained, Pre-approval ", after displaying the relevant error message, the card is directly withdrawn and returned to the cardholder. Conversely, if the" pre-approval "of the" planned transaction amount "is obtained, immediately execute the step __ This paper standard Mark (CNS) Regulation A4 ^ 2 ¢ 2101 < Please read the notes on the back before filling out this page) Order ----_ 1: —— line. Printed by the Ministry of Economic Affairs, Intellectual Property Bureau, Employee Consumer Cooperatives, 297 mm) Ministry of Economic Affairs Printed by the Intellectual Property Bureau's Consumer Cooperatives 4 3 67 3 8 A7 B7 V. Invention Description (丨 v) Step 719 to cancel the “pre-approval” of the “planned transaction amount”. Steps 720-721 are then performed to control oil sales. Steps 720-721 include permission to sell oil products, display permission status, check and display changes in actual transaction value during oil supply, and complete oil product sales. Next, perform steps 722-724 'to evaluate the difference between the "actual transaction amount" and the "planned transaction amount" 9 Step 722-724 includes prohibiting the continued supply of oil products when the "actual transaction amount" exceeds the "intended transaction amount", and display Prohibited status. Next, step 725 is executed to request "post-approval" of "actual transaction amount", and step 726 is obtained "post-approval" of "actual transaction amount". Finally, steps 727 and 728 are performed to set the POS system to its initial state. 727 and 728 include providing a receipt of the actual transaction amount and exiting the card. Throughout the entire operation, if a personal identification number is not entered, the steps of "pre-approval" and "planned transaction amount" before requesting a transaction can still be performed to avoid complicated button operations after inserting a card. In addition, the step 719 of canceling the "pre-approval" of the "planned transaction amount" may be performed after the steps 720-721 of controlling oil sales, or after the step 72 of the "post-approval" of obtaining the "actual transaction amount". As mentioned above, there can be many variations in each step of the present invention. For example, if a personal identification number is not entered, the steps of “pre-approval” and “planned transaction amount” before the transaction can still be performed to avoid the tedious key operation after inserting the card. In addition, after performing step 725 to obtain the "post-approval" of the "actual transaction amount", you can request to cancel the "pre-approval" of the "planned transaction amount". As mentioned above, each step of the present invention can be flexibly changed. Figures 8A to 8C illustrate the operation path for requesting "pre-approval" of the "planned transaction amount" and granting the approval between the self-service dispenser and the card issuer. Figure 9A to Figure 9C illustrate the request between the self-service dispenser and the card issuer, "real ----- 13 paper size stabbing the national government (CNS) A4 secret 〇x 29f ^ 7 _________ (Please read the back Please fill in this page for attention) Install * ------- Order -------- | 嫂 A7 436738 ___B7__ V. Description of the invention) "Post-approval" and grant of the international transaction amount " Approved work path. The operation path shown in Figure 8A and Figure 9A is the operation path of the intermediary station for the card verification bank and card purchase company (such as the computer system of a value-added Internet company or a refinery company). The work path shown in Figure 8B and Figure 9B is the work path of the card purchase company (such as the computer system of a value-added network company or a refinery company) as an intermediate station. The operation path shown in Figures 8C and 9C is that the self-service dispenser is directly connected to the issuing bank. Please refer to FIGS. 8A to 8C and FIGS. 9A to 9C. The method for setting up a credit card transaction on the self-service dispenser is as follows. First, the consumer inserts the card into the card identification device 252-254 on the dispenser. After confirming that the personal identification number and the "planned transaction amount" have been entered, the self-service dispenser comes through the nuclear card bank and other communication networks shown in Figure 8A. 'Either through the card acquisition company in Figure 8B, or as shown in Figure 8C, contact the direct communication and request the "pre-approval" of the "proposed transaction amount" from the card issuing bank. If approved by the card-issuing bank, the dispenser will control the fuel supply and display the oil supply information to consumers. Therefore, after the consumer enters the personal identification code or oil purchase stem / oil purchase amount, the oil supply can be obtained. Of course, it is also possible to supply oil products after the card reading operation is completed by the consumer, without the need for key input. Therefore, consumers can use the dispenser to refuel the vehicle when they know that they can get the oil supply through the display screen. The system then reads the amount of fuel supply that varies with refueling. When it is detected that the fuel supply is completed, or the fuel supply amount has exceeded the previously set "planned transaction amount", the self-service dispenser will enter the standby state and wait for the issuing bank to request the "post-approval" approval of the "actual transaction amount". Or another way ’is to cancel the“ pre-approval ”of the“ planned transaction amount ”and then request the“ real 14
4367 3 B A7 B7 五、發明說明（) 際交易額」之「事後核可」，反之亦然。待命狀態下，系統 如果收到了「實際交易額」的「事後核可」，就可以提供實 際交易額之收據並退出卡片。 很明顯地，本發明的自助式POS系統刷卡交易設定方法 不僅可以應用在加油站，可以應用在高速公路的收費系統， 兩速巴士車票販賣系統，以及其他可以設定刷卡交易，並做 部份修正的其他POS系統。此外，對系統外型的修改或作業 步驟的變更，仍不悖離本發明的精神，且無損其優點。 利用本發明，消費者可以很方便的利用信用卡或簽帳卡 的「擬交易額」之「預先核可」，輕鬆的完成自助式卩0§系 統的交易。而銷售商也不須要消費者的簽名，即可自動控制 因「實際父易額」與「擬交易額」間之差異，所引起的退費 問題。這是因為即使消費者無法準確預估「實際交易額」， 消費者仍然可以取得「實際交易額」之「事後核可」。由於 作業為極高的準確度，因此沒有找錢的問題。此外，因為「擬 交易額」之「預先核可」在實際交易前執行，因此沒有偽卡 所帶來的風險。 ---------^--------訂-------1*竣 (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製4367 3 B A7 B7 V. Description of the invention ("international transaction value" "post-approval" and vice versa. In the standby state, if the system receives the "post-approval" of the "actual transaction amount", it can provide a receipt of the actual transaction amount and exit the card. Obviously, the self-service POS system credit card transaction setting method of the present invention can be applied not only to gas stations, but also to highway toll systems, two-speed bus ticket sales systems, and other card transaction transactions can be set and partially modified. Other POS systems. In addition, the modification of the system's appearance or the change of working steps still does not deviate from the spirit of the present invention and does not impair its advantages. With the present invention, consumers can easily use the "pre-approval" of the "planned transaction amount" of a credit card or debit card to easily complete self-service §0§ system transactions. And the seller does not need the consumer's signature, and can automatically control the refund problem caused by the difference between the "actual parent exchange amount" and the "planned transaction amount". This is because even if the consumer cannot accurately estimate the "actual transaction amount", the consumer can still obtain the "post-approval" of the "actual transaction amount". Since the work is extremely accurate, there is no problem finding money. In addition, because the "pre-approval" of the "planned transaction amount" is performed before the actual transaction, there is no risk caused by fake cards. --------- ^ -------- Order ------- 1 * Complete (Please read the notes on the back before filling this page) Intellectual Property Bureau Staff Consumer Cooperatives Print