KR19980048753A - Unattended charging of card for payment - Google Patents

Abstract

By installing an unmanned terminal, the card for paying various fees such as subway, national railway, bus, taxi and parking lot can be charged unattended by the user unattended, and the credit card carried by the user , Paying the charge amount of the card for payment by cash and debit card, install an unmanned terminal connected to the management company of the card for payment and the modem, and the user directly manipulates the unmanned terminal for payment When the predetermined amount to be charged to the card is paid, and the predetermined amount is paid by a credit card, a cash card, a debit card, or the like, the unmanned terminal receives the credit status of the credit card, the cash card, and the debit card to pay. Through the card's management company and, if the transaction is approved, the payment made to the card for payment. By charging the amount of money, the user of the card for paying a fee can simply recharge a predetermined amount of money on the card for billing using an unattended terminal, without visiting a card issuing company.

Description

Unattended charging of card for payment

The present invention relates to an unattended charging method of a card for paying a card, in which a user directly charges a predetermined amount of a card for paying a fee for use, including a subway, a national railway, a bus, a taxi and a parking lot.

If you use a certain means of transportation or use a paid facility, such as parking of a vehicle and a specific place while living daily life, a certain usage fee must be paid.

In order to pay the usage fee, when the user carries cash one by one, it is necessary to prepare an appropriate change for the usage fee, which causes a lot of trouble.

In addition, when the user pays the cash more than the above usage fee, the user must calculate the change that subtracts the use fee from the amount paid by the person who receives the payment, and pay the calculated change.

Therefore, there is a problem in that a lot of time is wasted in storing the usage fee as well as a receiver for storing the usage fee.

Therefore, the bus coordinator responsible for operating the bus sells a card for paying a certain amount of money (called an integrated circuit card or a bus card) so that the user can buy it in advance. In the case of using the card, the fee is charged in advance in the card for payment.

In addition, subway corporations operating subways and railway stations operating national railways sell 'flat tickets' of a certain face value so that users can purchase them in advance, and when using the subway or national railways, pay the usage fees with the 'tickets' purchased. .

However, the 'settlement ticket' cannot be used again, and when the amount of the 'settlement ticket' is used up, it has to be purchased again.

Therefore, a lot of research has been carried out in the subway construction and railway stations to pay the fee to use the card for payment.

On the other hand, in 1996 patent application No. 14124, which was filed by the applicant, the amount paid in advance to a plurality of issuers is stored separately in one card for payment, and when the predetermined fee is paid to the issuer, The payment is made in advance.

In addition, when the predetermined amount paid in advance is used up, the predetermined amount is paid again, and the amount paid is charged to the card so that it can continue to be used.

The use of the card for payment is not only very convenient, but the user does not need to have cash one by one.

However, the above-mentioned fee card pays all the amount paid in advance, and if the balance is insufficient, the user visits the card issuer's company and pays a predetermined amount, and presents the amount paid by presenting the card. I had to charge it.

Therefore, the card issuer not only needs a manpower capable of charging a predetermined amount to the card for paying the bill, but also has a lot of trouble for the user of the card for paying the card, and its use and dissemination have been limited.

Accordingly, an object of the present invention is to provide an unattended charging method of a card for paying a fee so that an unmanned terminal is installed and a user can charge a predetermined fee directly.

Another object of the present invention is to provide an unattended recharging method of a card for paying bills, which enables a user to pay a charge amount of a card for paying with a credit card, a cash card and a debit card.

The present invention for achieving this purpose is to install an unmanned terminal connected to the management company of the card for payment card and the modem, the user to directly operate the unmanned terminal to pay a predetermined amount to be charged in the card for payment.

The predetermined amount is paid by credit card, cash card, debit card or the like.

The unmanned terminal inquires the credit status of the credit card, cash card and debit card to pay through the modem to the management company of the card, and if the transaction is approved as a result of the inquiry, the unpaid terminal charges the amount paid to the card for payment. Let's do it.

Therefore, according to the present invention, a user of a card can simply reuse a predetermined amount of money in a card for paying a fee using an unmanned terminal installed unattended without visiting a card issuing company.

1 is a circuit diagram showing the configuration of an unmanned terminal to which the unattended charging method of the present invention is applied.

2 is a signal flow diagram illustrating an unattended charging method of the present invention.

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

10: main control unit

11: memory

12: key input unit

13: Card reader

14: Printer

15: screen display

16: Card record / reading unit

17: modem

Hereinafter, with reference to the accompanying drawings will be described in detail the unattended charging method of the card for payment of the present invention.

1 is a circuit diagram showing the configuration of an unmanned terminal to which the unattended charging method of the present invention is applied. As shown therein, the main control unit 10 controls the charging of a predetermined amount with a credit card, a cash card and a debit card while charging the card for payment, while communicating with the card issuing company. A memory 11 for storing and outputting an operation program of the controller 10 in advance; a key input unit 12 for inputting an operation command and a selection signal according to a user's operation to the main controller 10; A card reader unit 13 for reading predetermined data stored in a cash card and a debit card, a printer 14 for printing a receipt under the control of the main control unit 10, and a control of the main control unit 10; A screen display unit 15 for displaying an operation state and a message according to the present invention, a card for reading the fee payment, and inputting the card to the main control unit 10, and under the control of the main control unit 10, And recording the emitter card write / read unit 16, and consists of a modem 17, which connects the main processor 10 and the management company of the card for data communication.

In the unattended charging method of the card for payment of the present invention applied to the unmanned terminal configured as described above, the main control unit 10 performs an initializing operation in step S1 as shown in FIG. .

When the initialization operation is completed, in the next step S2, a message for inserting a fee payment card for charging a predetermined amount into the card recording / reading unit 16 is outputted and displayed on the screen display unit 15, and step S3. ), It is determined whether the card for paying the fee is input to the card recording / reading unit 16.

When it is determined in step S3 that the card for payment is input, it is determined whether the card inserted in the next step S4 is a card for multi-payment.

In the case of the multi-rate payment card in step S4, a message for selecting a card issuer to charge a predetermined fee is displayed on the screen display unit 15 in step S5, and in step S6, the user inputs a key input unit. It is determined whether the selection signal of the issuing company is input by operating the key of (12).

When the selection signal of the card issuer is input in the step S6, the balance of the card issuer according to the input selection signal is checked on the card for payment of charges, and is output to the screen display unit 15 for display.

If the multi-bill payment card is not in the step S4, the remaining balance stored in the pay card is immediately displayed in the screen display unit 15 in step S7.

When the checking and displaying of the balance is completed, a message for selecting a predetermined amount to be charged from the card for payment in the next step S8 is outputted and displayed on the screen display unit 15, and the next step S9 is selected. Determine whether a signal is input.

For example, 10,000 won, 20,000 won,... To select it.

Here, the amount to be charged may be made to be input by the user by operating the key input unit 12.

When the amount to be charged in the card for payment is input, the card reader request is displayed on the screen display unit 15 in step S10, and the card reader unit 13 pays the fee to the slot in step S11. It is determined whether data of a credit card, a cash card or a debit card to be entered is input.

When the data of the credit card, the debit card or the debit card is input in step S11, a request for input of the password of the credit card, the debit card or the debit card inputted to the screen display unit 15 is displayed in step S12. .

When a password is input in the next step S13, a request is made to input the receipt of a receipt to the screen display unit 15 in step S14, and it is determined whether a selection signal for receipt issuance is input in step S15.

When the selection signal for issuing a receipt is input in step S15, the card issuing company is connected through the modem 17 in the next step S16, and then the data and password of the credit, debit or debit card are transmitted. Request confirmation of charging.

In a next step S17, a predetermined time is waited, and in step S18, it is determined whether predetermined data is received from the card issuer.

When the data is received in the step S18, it is determined in step S19 whether the charge of the card for payment is approved.

If it is not approved to charge the card for payment in step S19, the screen display unit 15 indicates that the transaction is impossible in step S20, and returns the card for payment in step S24, and then operates. Quit.

In the case where the payment card is approved for charging in step S19, the predetermined amount selected by the user is charged in step S21, and the total amount of money charged is displayed on the screen display unit 15.

In the next step (S22) to check whether the receipt is issued, if the receipt is issued in the next step (S23) to control the printer 14 to print the receipt and then charge the charge card in step (S24) Returns and terminates the operation.

As described above, the present invention charges a predetermined amount of money in an unattended card for payment, so charging of a predetermined amount is very simple and hassle-free, so that the use of the card is expanded and there is no need for a separate receiver to perform a charging operation. In addition, the after-sales service of the unmanned terminal is very easy since the operating state of the unmanned terminal can be remotely monitored.

Claims (5)

A first step of requesting a reader of a credit, debit or debit card to pay a fee as the card for payment and a predetermined amount to be charged is entered; and in the first step, a credit, debit or debit card In the second process of requesting the charge approval to the card issuing company when the data of the card is input, and determining whether the charge approval is received; A third process of returning the card for payment and a fourth process of charging and returning the predetermined amount to the card for payment when the charge approval is received in the second process. Unattended charging of the card. The method of claim 1, wherein the first process allows the user to select a generation company to charge when the card is a multi-payment card. The method of claim 1, wherein the amount of money to be charged is selected by the user based on a predetermined amount as a basic unit. The method of claim 1, wherein the second process requests the input of a password of a credit card, a cash card, or a debit card to pay a fee. The method of claim 1, wherein the receipt issuance is checked when the receipt is requested and the issuance of the receipt is characterized in that the card for the charge payment card unattended.