KR20020048917A - Small petty trading system and method by pre-approval using information recording medium - Google Patents

Abstract

PURPOSE: A system and a method for the small sum transaction by the pre-approval are provided to minimize a danger in a transaction by performing a transaction only with the pre-approved amount of money even in the off-line state. CONSTITUTION: The system comprises an accounts settling machine(200) and a pre-approval server(300). The accounts settling machine reads the information recorded on an information recording medium(100) and inquires of the information to the denied list data. The information on a transaction or the newly transmitted information is stored in a storage unit and the information recording medium by the accounts settling machine. The pre-approval server is connected with the accounts settling machine. The information on small sum transactions is stored periodically or non-periodically by the pre-approval server. The amount of money used for a specific period is accumulated and paid later. If the information is newly transmitted, the possibility of a pre-approval is decided by the pre-approval server. If a pre-approval is possible, a pre-approval number is given and stored in a database. If a pre-approval is impossible, the pre-approval server transmits the denied list data to the accounts settling machine.

Description

SMALL PETTY TRADING SYSTEM AND METHOD BY PRE-APPROVAL USING INFORMATION RECORDING MEDIUM}

The present invention relates to a micro transaction system and method by pre-approval using an information recording medium. More specifically, the present invention relates to an information recording medium without a separate approval process so that the micro transaction can be performed within a user's use amount even when offline. The present invention relates to a micro-transaction system and method by a pre-approval using an information recording medium that records a pre-approved amount in a bank so that a user can execute multiple small transactions.

In general, when a person is provided with a service or purchases an item, the person pays for the service or the purchase price of the item using cash or a credit card.

The credit card includes a credit card for which payment is made after transaction approval and a postpaid card for payment without transaction authorization. The postpaid card is mainly used for payment of subway or bus fare, and in case of the system using the postpaid card, all the B / L (Black List) is held by the terminal or the terminal computer. Transaction approval is performed by checking whether information recorded on the user's postpaid card exists on the B / L.

However, since the postpaid system has all the B / L lists downloaded from the server to the terminal or the terminal computer, the module installation cost increases because the capacity of the B / L storage module of the terminal must increase as the card company and the customer increase. In addition to this, there is a problem that the download time increases because all the B / L list must be downloaded at once.

In addition, in the future, if the small transaction is expanded to other services besides public transportation such as subways and buses, there is a problem that smooth micro transactions cannot be implemented with the present system.

In addition, in the case of post-payment cards, if the number of post-payments such as vending machines as well as transportation systems increases, it is a small transaction for each system. There was a problem that could be.

Therefore, the present invention has been made to solve the above problems, the object of the present invention, unlike the post-payment card to perform the transaction only for the amount of money approved by the user within the amount used by the offline even according to the transaction The present invention provides a micro transaction system and method by pre-approval using an information recording medium to minimize risks.

It is also an object of the present invention to check whether self-unique information of the information recording medium is included in the D / L data of the rate settlement terminal so as to prevent a small transaction settlement if the D / L data exists in the information recording medium. The present invention provides a micro-transaction system and method by pre-approval using an information recording medium that allows D / L information to be recorded in the future so that transactions can not be made even if the rate settlement terminal does not have D / L information.

In addition, an object of the present invention is to download the D / L (Denied List) information that confirms the use or approval of the pre-approved information recording medium from the pre-approved server regularly or irregularly, the D / L data of a certain period by the first-in first-out method The present invention provides a micro transaction system and method by pre-approval using an information recording medium that can easily manage and significantly reduce the capacity of D / L data stored in a tariff settlement terminal.

In addition, an object of the present invention is a pre-approval using an information recording medium for uploading the transaction history or pre-approval details generated in the charge settlement terminal by using a terminal computer that can control a plurality of charge settlement terminals The present invention provides a micro transaction system and method.

1 is a block diagram schematically showing a micro transaction system by pre-approval using an information recording medium according to the present invention;

2 is a block diagram showing in detail a micro transaction system by a preauthorization using an information recording medium according to the present invention;

FIG. 3 is a flowchart illustrating a micro transaction method by pre-approval using an information recording medium in a charge settlement terminal according to the present invention. FIG. 3A is a view for determining whether micro transaction is possible by D / L inquiry. 3b is a drawing of a micro transaction in accordance with the necessity of a new approval.

FIG. 4 is a flowchart for explaining steps performed according to whether or not the information recording medium applied to FIG. 3 is read;

5 is a flow chart showing a micro transaction method by an approval using an information recording medium in the approval server according to the present invention;

6 is a flowchart illustrating a method for managing D / L information in a payment settlement terminal according to the present invention.

<Explanation of symbols for the main parts of the drawings>

100: credit card 200: charge settlement terminal

300: approved server 400: communication network

500: terminal computer

210: reading / recording means 220: storage means

230: security access module 240: key input means

250: display means 260: communication means

270: output means 280: alarm generating means

285: D / L management means 290: control means

310: database 320: server communication means

330: server control means

In order to achieve the above object, a micro transaction system using a pre-approval using the information recording medium of the present invention is a creditable information recording medium that performs at least one micro transaction within a pre-approval amount range by a credit pre-approval. In the micro transaction system by the pre-approval to be used, if the micro-approval cannot be made by the pre-approval, the new pre-approval is granted off-line without a separate approval process, and the micro pre-approval is executed by the new preapproval. The small amount of approval by the pre-approval using the information recording medium, characterized in that it is determined whether the approval is approved through a approval process after a certain period of time to manage whether the information recording medium can be traded as D / L information later. As a trading system, the above-mentioned problem is solved.

In addition, the present invention provides an information recording medium for recording its own information, approval information and usage information; The information recorded on the information recording medium is read in communication with the information recording medium, and it is inquired whether the information read from the information recording medium is registered in the D / L data, and the information not registered in the D / L data. In the case of a recording medium, a fee settlement terminal is configured to determine whether a new approval is granted and to perform a small transaction, and then store transaction details or new approval information in an internal storage means and store the information in the information recording medium; And is connected to the rate settlement terminal, receives and stores the information related to the execution of the micro transaction from the rate settlement terminal on a regular or irregular basis, and accumulates the amount used by the user within a predetermined period of the approved amount for each user. In addition, after receiving the new pre-approved information and the information unique to the information recording medium from the fare settlement terminal, the information is recorded and the information is recorded, and the new pre-approval is determined. By assigning a pre-approval number to the pre-approval amount, the new pre-approval number and pre-approval amount are stored in the database corresponding to the information recording medium information. / L data, and D / L data to the billing terminal on a regular or irregular basis A small transaction system using the information recording medium, characterized in that consisting of a best - the server to be transmitted to, solve the above problems.

In addition, the above-mentioned problem is solved by a preauthorized micro transaction system using an information recording medium, wherein D / L information is additionally recorded on the information recording medium.

The pre-approval server solves the above-mentioned problems as a micro-approval system by pre-approval using an information recording medium, wherein the D / L data is transmitted to a fare settlement terminal by a wireless method or a wired method.

In addition, a separate terminal computer is provided between the pre-approval server and the rate settlement terminal, and the terminal computer controls a plurality of rate settlement terminals to display transaction details or pre-approval details generated at the rate settlement terminal. A small transaction system by an advance approval using an information recording medium, wherein the D / L data of the prior approval server is transmitted to the fare settlement terminal.

In addition, the charge settlement terminal further comprises a D / L management means for downloading the D / L data from the pre-approved server on a regular or irregular basis to delete, update according to the first-in first-out method; The above-mentioned problem is solved by the micro transaction system by the prior approval used.

In addition, when the preliminary approval is made by determining whether the pre-approval renewal date is set in advance, the fare settlement terminal initializes (0) the remaining pre-approval amount, preauthorization date, and transaction history information recorded on the information recording medium, A small transaction system by pre-approval using an information recording medium, characterized in that the pre-approval amount and pre-approval date are recorded on the information recording medium, which solves the above problem.

In addition, when the new settlement is made because the remaining amount of approval is less than the set minimum remaining amount compared to the minimum remaining approval amount set in advance, the fee settlement terminal updates the new approval amount and the approval date on the information recording medium. A small transaction system by a preauthorization using an information recording medium characterized in that the above problem is solved.

The fee settlement terminal may further include reading / recording means for reading or recording predetermined information recorded on the information recording medium; Storage means for storing the predetermined information read from the read / record means and the micro transaction information or new approval information, D / L information generated according to the micro transaction execution; A security access module for providing security information offline so that predetermined information recorded on the information recording medium can be read; Communication means for supporting data transmission and reception with the approval server; Determining whether it is possible to perform a small transaction by reading predetermined self-owned information and approval information from the information recording medium through the read / record means, and if it is determined that the small transaction can be performed, the small transaction is executed. If it is determined that the micro transaction cannot be performed, the predetermined new approval information is updated and recorded on the information recording medium through the read / record means, and the micro transaction information or the new approval information according to the small transaction is performed. A micro transaction system by a preauthorization using an information recording medium, comprising: control means for storing the information in the storage means together with its own information of the information recording medium.

In addition, the micro-transaction method by pre-approval using the information recording medium according to the present invention for achieving the above object, a creditable information record for performing one or more micro-transaction within the range of the pre-approval amount by the credit pre-approval In the small transaction method by a pre-approval using the medium, if the micro-approval cannot be made by the approved pre-approval, a new pre-approval is granted off-line without a separate approval process and the micro-approval is executed by the new preapproval. The predetermined approval information is assigned to a pre-approval using an information recording medium, characterized in that after a predetermined period of time, it is determined whether to approve it through an approval procedure, and then manage whether or not the information recording medium can be traded as D / L information. As a small transaction method, the above-mentioned problem is solved.

In addition, step 100 of the present invention, the rate settlement terminal reads the information of the information recording medium to determine the information recording medium that can be settled for small transaction payments by querying the D / L data according to the unique information read; A step 200 of determining whether a new approval is required if the information recording medium capable of settlement of a small transaction settlement price is determined as a result of the determination in step 100; If it is determined in step 200 that the preliminary approval is not necessary, the micro transaction is controlled to be executed, and after the micro transaction settlement amount is subtracted from the read preauthorized amount, the update is recorded on the information recording medium. Step 300 for storing the micro transaction information in correspondence with the unique number in the storage means; If it is determined in step 200 that the pre-approval is necessary, the predetermined new pre-approval amount is updated and recorded on the information recording medium, and the predetermined pre-approval amount is stored in correspondence with the corresponding unique number in the storage means. A 400 step; And a 500 step of transmitting self-unique information and pre-approval information transaction history information stored in the storage means to the pre-approval server at regular or irregular occasions. As a transaction method, the above problem is solved.

In addition, the present invention receives the newly approved information and the self-unique information of the information recording medium received from the charge settlement terminal, and the self-unique information of the information recording medium is inquired, and if the new approval is not possible, the self-unique information of the information recording medium. Adding to the D / L data and transmitting the D / L data to the rate settlement terminal regularly or irregularly; As a solution to the above problem,

In addition, the present invention determines whether the information according to the performance of the small transaction received periodically or irregularly received from the rate settlement terminal is included in the D / L, and if included in the D / L information unique to the information recording medium of the user The method of claim 1, further comprising the step of adding to the D / L data, and periodically or irregularly transmitting the D / L data to the rate settlement terminal, The above problem is solved.

In addition, in the step 200, when the pre-approval is made by determining whether the pre-approval renewal date set in the fee settlement terminal has arrived, the pre-approval amount, pre-approval date, and transaction history information recorded on the information recording medium are initialized (0). A small transaction method by a pre-approval using an information recording medium, wherein the new pre-approval amount and the pre-approval date are recorded on the information recording medium.

In addition, in the step 200, if a new pre-approval is made because the pre-approval remaining amount is smaller than the minimum pre-approval remaining amount set in the fare settlement terminal, the new pre-approval amount and pre-approval on the information recording medium. A small transaction method by pre-approval using an information recording medium, characterized in that the date is updated and recorded, which solves the above problem.

In addition, in step 100, the fee settlement terminal further includes the step of checking whether D / L information is present in the information recording medium information read from the information recording medium, and determining whether the information recording medium is transactable. If the D / L information is not recorded in the medium, it is determined whether the information recording medium itself unique information read from the information recording medium exists in the D / L data stored in the internal storage means of the billing terminal, and then the information recording medium itself. When the unique information is present in the D / L data, a small transaction method by a preauthorization using the information recording medium, further comprising the step of recording the D / L information on the information recording medium, and stopping the transaction. The above problem is solved.

The fee settlement terminal may further include downloading the D / L information from a pre-approval server on a regular or irregular basis and deleting or updating the D / L information according to a first-in, first-out method. As a small transaction method, the above-mentioned problem is solved.

Hereinafter, the configuration according to each embodiment of the present invention will be described in detail with reference to the accompanying drawings.

Before describing the present invention in detail, several terms used in the present invention will be described. D / L information means one D / L information recorded on an information recording medium, and the D / L data includes at least one D / L information. D / L information group (??) as / L information.

In the present invention, the information recording medium is at least an information recording medium having a credit card function for enabling a credit transaction, the predetermined information is recorded and stored through communication with the charge settlement terminal 200 in a contact or contactless manner, The storage medium may be a medium for outputting the stored information. The present invention is not particularly limited to an information recording medium. For example, a contact card embedded in a credit card such as a contact / contactless IC card or a mobile communication terminal such as a PDA or a mobile phone may be used. / Contactless IC media and the like.

In the present invention, when a small transaction cannot be made by a pre-approved, unlike the prior art, a new pre-approval is granted off-line without a separate approval process to perform a micro transaction by the new pre-approval, and the pre-approved The approval information determines whether the approval is made through the approval process after a certain period of time so as to manage whether the information recording medium can be traded as D / L information, and the approval process that is made after the predetermined time period is applied to the approved server to which the present invention is applied. Is made by

Hereinafter, an embodiment of the present invention will be described with a micro transaction system and method by a preauthorization using a contactless credit card.

1 is a block diagram schematically showing a micro transaction system by pre-approval using a credit card according to the present invention.

As shown in FIG. 1, a fare settlement system using an approved credit card according to the present invention includes a credit card 100, a charge settlement terminal 200, an approved server 300, a communication network 400, and a terminal computer. It consists of 500.

In a predetermined area of the credit card 100, the card itself unique information, approval information, usage information, D / L (Denied List) information for credit transactions are recorded. The card information includes at least a card number, and the approval information includes a pre-approval amount, a pre-approval date, a pre-approval number, and the like. The use information includes a single use amount, a cumulative use amount within a predetermined period, and a pre-approval. If the credit card 100 is a transportation card used when getting on and off the subway, the remaining amount of money may be further included.

In addition, the billing terminal 200 reads the information recorded on the credit card 100 to determine whether the D / L information is recorded, and if the D / L information is recorded on the credit card 100 itself. If the card is not displayed through the display means 250 and the transaction is rejected, and the D / L information is not recorded in the credit card 100, the card itself information read from the credit card 100 is charged. After determining whether the D / L data is stored in the settlement terminal 200 in advance, if the card itself information exists in the D / L data, the D / L information is recorded in the credit card 100, and the card itself information is stored. If it is not present in the D / L data, it is determined whether a new approval is granted and the micro transaction is executed according to this determination, and the transaction contents are settled and stored in the storage means 220 which describes the transaction details or new approval information described later. doing Pt is written in the credit card 100. The criterion for determining whether to grant the new approval is the minimum amount or the renewal date compared with the remaining approval amount, which will be described later.

The D / L data is periodically or irregularly downloaded from the approval server 300 and deleted and updated according to a first-in first-out method. Each of the D / L information may include information for determining whether to record the D / L information on the credit card 100. In this case, even if the card number read from the credit card 100 exists in the D / L data, only the transaction may be rejected and the D / L information may not be recorded in the credit card 100 according to the presence or absence of this information. How to generate information for determining whether to record the D / L information will be described later.

In addition, the fee settlement terminal 200 determines whether to grant a new pre-approval if it is determined that the micro transaction can be executed by the D / L inquiry. If the new approval is not granted, the credit card 100 is renewed and recorded on the credit card 100 by subtracting the small transaction settlement amount according to the performance of the small transaction from the approval amount read from the credit card 100. In the case of granting a new transaction, the new approval information is recorded and updated on the credit card 100 so that a small transaction is performed. In this case, the generated micro transaction performance information or the new approval information is stored in the storage means 220 to be described later together with the information of the corresponding card, and then periodically or irregularly transmitted to the approval server 300.

When the new approval is granted, the fee settlement terminal 200 deletes the remaining approval amount recorded on the credit card 100 and initializes it, and then records the new approval amount.

Here, the determination of determining the new pre-approval grant in the charge settlement terminal 200 is a predetermined small transaction minimum amount set for each charge settlement terminal 200 and the remaining approval amount read from the credit card 100. Is determined by comparing That is, if the remaining amount of approval is greater than or equal to the minimum amount, it is determined that new approval is unnecessary. If the remaining amount of approval is less than the minimum amount, it is determined that new approval is required.

In addition, the determination of whether to grant the new approval in the fare settlement terminal 200 may be determined according to the arrival date of the approval of the approval. In this case, the fee settlement terminal 200 counts the date to check the approval renewal date, and determines whether the approval renewal date has arrived by using the counted date. As it is determined that approval is necessary, the fare settlement terminal 200 records the new approval information previously stored in the credit card 100.

Here, the new approval information includes at least a new approval amount, new approval date information, and may further include information on the number of approvals.

And the pre-approval server 300 is connected to the rate settlement terminal 200, the information received from the rate settlement terminal 200 on a regular or irregular basis for the performance of the small transaction among the pre-approved amount for each user In addition to accumulating only the amount used by the user to be post-payment, receiving the new pre-approved information and the card itself information received from the rate settlement terminal 200 to determine the new pre-approval by querying the card itself information If a new pre-approval is possible, a pre-approval number is assigned to the new pre-approval amount, and the new pre-approval number and pre-approval amount are stored in the database 310 in correspondence with the card self information of the credit card 100. If the new approval is not possible, the card itself information of the credit card 100 is added to the D / L data of the D / L database 340, and the charge settlement terminal 20 0) transmit the D / L data regularly or irregularly.

In addition, the pre-approval server 300 determines whether the user's card information included in the D / L included in the information according to the performance of the small transaction periodically or irregularly received from the rate settlement terminal 200, D, When included in / L, the card's own information of the user is added to the D / L data of the D / L database 340, and the D / L data is periodically or irregularly transmitted to the billing terminal 200. .

Here, each of the D / L information constituting the D / L data may include information for determining whether to record the D / L information on the credit card 100 requesting the micro transaction. The information for determining whether to record the D / L information on the credit card 100 includes, for example, D / L information, such as theft, loss, delinquent person, overdue usage, and other bad credit traders. It is determined according to the reason for being / L and is included in the D / L information and downloaded to the rate settlement terminal 200.

In addition, the terminal computer 500 is connected to a plurality of billing terminal 200, and also connected to the pre-approved server 300 and the communication network 400, by controlling the plurality of billing terminal 200 Transmit transaction details and pre-approval details generated in the rate settlement terminal 200 to the pre-approval server 300, and transmit D / L data of the pre-approval server 300 to the rate settlement terminal 200. Do it.

Figure 2 is a block diagram showing in detail a micro transaction system by preauthorization using a credit card according to the present invention.

As shown in FIG. 2, the charge settlement terminal 200 according to the present invention includes a read / write means 210, a storage means 220, a security access module 230, a key input means 240, Display means 250, communication means 260, output means 270, alarm generating means 280, D / L (Denied List) management means 280, and control means 290 It is configured by.

Here, when the read / record means 210 detects the credit card 100 by contact or non-contact, the information recorded in a predetermined area of the credit card 100 is read under the control of the control means 290 or On the contrary, information is recorded in a predetermined area of the credit card 100.

In addition, the storage means 220 is the information read from the credit card 300 or the information received from the approval server 300 by the read / write means 210 under the control of the control means 290 Save it. More specifically, the use information that is stored in the credit card 100 when the micro transaction occurs, while storing the renewal date and the minimum amount of approval, as well as D / L information, to determine whether or not the new approval. In the case of a transit card that can be used, the boarding / unloading information, date and time, amount, etc.), and the new approval information are stored together with the corresponding card information.

In addition, the security access module 230 provides security information offline so that the predetermined information recorded on the credit card 100 can be read under the control of the control means 290.

In addition, the key input unit 240 is provided with a plurality of keys that can enter the information to enable the user to receive a variety of services provided by the approval server 300.

In addition, the display means 250 displays service information regarding a key input state of the key input means 240 and an operation state of the fee settlement terminal 200 under the control of the control means 290.

In addition, the communication means 260 supports data transmission and reception with the approval server 300 online under the control of the control means 290.

In addition, the output means 270 operates under the control of the control means 290 and issues a receipt according to the pre-approval update transition or failure.

In addition, the alarm generating means 280 operates under the control of the control means 290 to display an abnormal state of the payment settlement terminal.

In addition, the D / L management means 285 is operated under the control of the control means 290 to download the D / L information for a predetermined period from the approval server 300, the storage means of the charge settlement terminal 200 ( The D / L information stored in 220 is updated by a first-in first-out method. That is, the D / L management means 285 stores the D / L data for a predetermined period in the storage means 220. For example, suppose that you have D / L within the 30-day period means that you have the last 30 days of D / L information, which comes first as many days of D / L information downloaded from the approval server 300. Delete the D / L information data in order.

The control means 290 reads the card itself information from the credit card 100 through the read / write means 210 and then refers to the storage means 220 by the read card itself information. / L inquiry to determine whether a small transaction is possible, if a small transaction is possible, if it is determined that the new approval is unnecessary by the approval date and minimum stored in the storage means 220, the new approval is not necessary If it is determined that a new transaction is necessary, the renewal record is recorded on the credit card 100 through the read / record means 210 by subtracting a small transaction settlement amount according to the execution of the micro transaction from the remaining amount of the approved approval. A new pre-approval is given to record the new pre-approval information on the credit card 100 so that a small transaction is performed.

The new pre-approval determination determination by the pre-approval update date, the control means 290 counts the date to check the pre-approval update date, the count when the card itself information is read by the read / write means 210 The control means 290 reads the new approved amount stored in the storage means 220 together with the current date. While recording on the credit card 100, the control means 290 stores the new approval information and the card itself information of the credit card 100, and then periodically or irregularly to the approval server 300 send.

At this time, the control means 290 deletes the approval amount, the approval date, and the use amount recorded on the credit card 100, and initializes the new approval amount and the approval date.

On the other hand, the determination of granting a new approval by the minimum amount, the control means 290 read the approval information recorded on the credit card 100 by the read / write means 210, and the approved The remaining amount information is compared with the minimum amount information, and when the approved remaining amount information is smaller than the minimum amount information, the new approved amount is added to the credit card 100 using the new approved information stored in the storage means 290. The reading / recording means 210 is controlled to be recorded, and when the remaining amount of the approved person is greater than or equal to the minimum amount, it is determined that the small transaction can be executed. It is judged that it is impossible to implement.

At this time, the control means 290 deletes the previous approval amount and the approval date before updating the information recorded on the credit card 100 with the new approval amount.

When the micro transaction is requested by the user, the control means 290 determines whether D / L information exists in the credit card 100 by the read / record means 210, and the D / L information If it does not exist, it is determined whether the read card number exists in the D / L information of the storage means 220. If the user's card number exists in the D / L information, it is determined that the micro transaction is impossible to perform and indicates that the card cannot be used. On the other hand, D / L information is recorded on the credit card 100, and if the card number does not exist in the D / L information, it is determined that the micro transaction can be executed. Here, the D / L information may include information for recording the D / L information on the credit card 100. In this case, the control means 290 checks the D / L recording determination information included in the D / L information. Thus, if the D / L information includes information for recording the D / L information, the D / L information is recorded on the credit card 100, and other rate settlement terminals as well as the rate settlement terminal 200 to be currently traded. If it is impossible to perform the micro transaction through the 200 and there is no information for recording the D / L information in the D / L information, the transaction is rejected without recording the corresponding D / L information on the credit card 100. Only work is done.

Meanwhile, as shown in FIG. 2, the pre-approved server 300 includes a database 310, a server communication means 320, and a server control means 330.

Here, the database 310 stores the card number, pre-approval number, pre-approval amount, and pre-approval renewal date under the control of the server control means 330, and is updated and recorded on the credit card 100 upon preapproval. Stores usage information including approved amount information.

In addition, the server communication means 320 supports data transmission and reception with the rate settlement terminal 200 online under the control of the server control means 330.

In addition, the server control means 330 receives the small transaction performance information from the rate settlement terminal 200 through the communication means 320 to accumulate only the amount used by the user of the pre-approved amount for each user to be settled later On the other hand, it is determined whether to approve through the usage inquiry of the credit card 100, and if a new approval is possible, a new approval number is assigned and the new approval amount is stored in correspondence with the new approval number. The new pre-approval amount is stored corresponding to the actual transaction information generated after the new pre-approval.

3 is a flowchart illustrating a pre-approval method using a credit card in a fare settlement terminal according to the present invention. FIG. 3A is a view for determining whether a small transaction is possible by D / L lookup. It is a drawing to carry out a small transaction according to the necessity.

As shown in FIG. 3, in the micro transaction method using a preauthorized credit card system, the rate settlement terminal 200 reads the information of the credit card 100 and reads the information on the credit card 100. In step 100 (S100) of determining whether the credit card can be settled in the micro transaction settlement amount by querying the D / L data, and if the credit card is possible to settle the micro transaction settlement amount in the step 100 (S100), the new winner If it is determined in step 200 that the necessity is necessary, and if it is determined in step 200 that the approval is not necessary, the micro transaction is controlled to be performed and then the small transaction is executed from the read approval amount. Step 300 (S300) of storing the micro transaction information by subtracting the micro transaction payment amount and then updating and recording the credit card 100 in correspondence with the card itself information in the storage means 220; If it is determined in step S200 that pre-approval is necessary, the predetermined new pre-approval amount is updated and recorded on the credit card 100, and the storage means 220 corresponds to the card itself information. Step 400 of storing the new approved amount (S400), and the card itself information, pre-approved information, transaction history information stored in the storage means (S220) to the pre-approved server 300 on a regular or irregular basis The 500th step (S500) is made.

Wherein the 100 step (S100), the 110 step (S110) for detecting the credit card (100); Step 120 (S120), when the credit card 100 is detected, reading the card itself information and the approved amount information in a predetermined area of the credit card 100; A thirteenth step (S130) of reading information recorded on the credit card (100) to determine whether D / L information exists; If it is determined in step 130 (S130) that the D / L information exists, it is determined that the card is impossible to settle the small transaction payment, and the step 160 of outputting a card unavailable message on the screen (S160).

On the other hand, the 100th step (S100) is to read the information recorded on the credit card 100, if the D / L information is not recorded in the credit card 100 is the card number of the charge settlement terminal 200 In step 140, it is determined whether the D / L data exists. If the card number exists in the D / L data in step 140, the corresponding D / L information is recorded on the credit card 100. If the card number does not exist in the D / L data in step 140 (S140), the second step (S150) is performed.

Here, each of the D / L information stored in the D / L data of the rate settlement terminal 200 may include information for determining whether to record the D / L information on the credit card 100. In this case, the control means 290 may further include the step of checking the information for determining whether or not to record the D / L information in the D / L information corresponding to the card number, corresponding to the card number If the D / L information includes information that does not record the D / L information, only the small transaction is rejected, and the step 150 may be omitted.

In addition, the 120 th step (S120), the 121 th step (S121) receiving security information by the read card number as shown in the accompanying drawings; Step 122 (S122) of reading the read approval amount information read by the security information; Step 123 (S123), if it is impossible to read in step 122 (S122), determining that the credit card cannot be settled in a small transaction settlement and proceeding to step 160 (S160); If it is readable in the 122nd step (S122), it is determined as a valid card capable of settlement of the small transaction settlement price, and the 124th step (S124) proceeds to the 130th step (S130).

In addition, the 200 step (S200) is a step for determining whether a new approval is required if a small transaction is possible as a result of the determination in step 100 (S100). In step S210, a step S220 is performed to determine whether a new approval is obtained by comparing the read approval remaining amount with a predetermined minimum amount. The 210 step (S210) is a step of comparing a predetermined approval update date and the date information counted by the fee settlement terminal 200 to be given a new predetermined approval amount on the predetermined approval update date. In addition, if the remaining amount of approval is less than the minimum amount set in advance in the fare settlement terminal 200, a small transaction is performed after the new approval, and the remaining amount of approval is greater than the minimum amount. If it is the same or not, it is a step to judge that it is possible to directly execute a small transaction without a new approval process.

In addition, the 300 step (S300), if it is determined that the new pre-approval is unnecessary in the 220 step (S220), the 310 step (S310) for controlling the small transaction is carried out; Step 320 (S320) of updating the credit card (100) by subtracting the micro transaction payment amount according to the small transaction from the pre-approved amount read from the credit card (100); Step 330 (S330) of updating and storing the pre-approved amount information, which is deducted according to the small transaction performed in step 320 (S320), with the corresponding card itself information in a predetermined area of the storage means 220 in the rate settlement terminal; In operation 340, the rate settlement completion state is displayed on the screen.

In addition, the 400th step (S400), if it is determined that the approval is necessary in the 200th step (S200), the 410th step (S410) of deleting the approval amount and the approval date recorded on the credit card 100. ; Step 420 (S420) of controlling the read / write means 210 to read the approval information stored in the storage means 220; Step 430 (S430) of recording the new approved amount and the approved date information on the credit card 100 using the read approved information; A step 440 (S440) is performed starting from the step (S300) of displaying a pre-approval update completion state on the screen and allowing a small transaction to be executed.

5 is a flowchart illustrating a method for settingtle a small transaction payment amount in a preauthorization server according to the present invention.

As shown in FIG. 5, the pre-approval server 300 according to the present invention receives card self information, pre-approval information, and usage information from the fee settlement terminal 200 regularly or irregularly according to the small transaction. Receiving step 510 (S510); A step 520 of storing card self information, approval information, and usage information received in the step 510 (S510) in a database (310); The new pre-approved information stored in the database 310 is determined by referring to the D / L database 340 to determine whether the corresponding card information corresponds to the D / L (S530); If it does not correspond to the D / L in step 530 (S530), the sum of the pre-approved amount of the new pre-approval information received in step 510 (S510) and the total usage amount of the corresponding user within the period for checking the usage amount are added together. Step 540 (S540) of determining whether a new approval is obtained by determining whether the amount exceeds the used amount compared to the used amount; If new approval is possible in step 540 (S540) (S550) by assigning a new approval number to the new approval amount (S550); Step 560 (S560) of storing the new pre-approved information in the database (310) corresponding to the card information of the credit card (100) in step 550 (S550); Step 570, in step 570, adding new card information of the credit card 100 to the D / L data of the D / L database 340 when the new approval is impossible in step 540; Step 580 (S580) of transmitting new pre-approval information added to the D / L data in step 570 (S570) to the prepaid payment terminal 200 without new pre-approval; In operation 520, the method 590 includes accumulating only the amount of money used by the user within a predetermined period of time, referring to the database 340.

In addition, the pre-approval server 300 determines whether the information according to the performance of the small transaction received on a regular or irregular basis from the rate settlement terminal 200 is included in the D / L, and if included in the D / L And adding the user's information unique to the information recording medium to the D / L data, and periodically or irregularly transmitting the D / L data to the billing terminal 200.

6 is a flowchart illustrating a method for managing D / L information in a payment settlement terminal according to the present invention.

As shown in FIG. 6, in the charge settlement terminal, in step 700 of determining whether a preset time for downloading D / L information has arrived (S700) and the determination result of step 700 (S700), When the preset time arrives, the pre-stored D / L information is received through step 710 for downloading the D / L information for a predetermined period from the approval server 300 and the step S710. In step 720, the D / L information downloaded by the election method is updated.

In the above embodiment, the data communication between the charge settlement terminal 200 and the approval server 300 is made, and the transaction history, approval history, and D / L data can be interchanged. In another embodiment of the present invention, since the plurality of fee settlement terminals 200 are connected to the terminal computer 500, and the terminal computer 500 is connected to the approved server 300 through the communication network 400, The transaction history and pre-approval details generated by the fee settlement terminal 200 are transmitted to the terminal computer 500 under the control of the terminal computer 500, and the terminal computer 500 is approved periodically or irregularly. While transmitting to the server 300, the terminal computer 500 receives the D / L data transmitted from the approval server 300 to be transmitted to the billing terminal 200.

The fare settlement system and method according to the present invention is a public telephone, public transportation (for example, bus, subway, taxi, etc.), transportation fare settlement, hotel fare settlement, gas fare settlement, vending machines, road tolls, parking fees, etc. Applicable to small amount settlement.

As described above, the credit card to which the present invention is applied to a subway fare payment system, a parking fare payment system, and a highway toll fare payment system, which can know the payment amount after a predetermined time, is not a system that is immediately settled when a small transaction is executed. In order to perform a small transaction using 100, only the transaction amount as described above may be recorded, and other information for settlement may be recorded.

For example, in the case of the subway fare payment system, the information on the boarding / unloading station information and the date and time information is recorded on the credit card 100, and the transaction amount is further recorded after the small transaction is fulfilled. In the case of payment system, information about parking start time and parking end time is recorded, and the transaction amount is recorded after small transaction execution.In the case of expressway toll gate payment system, information about charge start point and charge end point Is recorded and the transaction amount is recorded further after the small transaction is fulfilled.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the micro-transaction system and method by pre-approval using the information recording medium of the present invention, by granting the credit pre-approval to the creditable information recording medium offline, at least one small amount within the range of the pre-approval amount After the transaction is executed, the pre-approved information granted is determined through the approval process after a certain period of time, and later managed by D / L information on whether the information recording medium can be traded. Achieve the effect that it can be implemented.

In addition, the present invention checks whether the card number information of the credit card is included in the D / L data of the rate settlement terminal to prevent a small transaction settlement, while recording the D / L information on the credit card, the other rate settlement Achieving the effect of preventing the use of a pre-approved credit card in the terminal.

In addition, the present invention allows the D / L information to be recorded in the credit card to enable the transaction even in the terminal for billing settlement that does not have the D / L information, in this case the credit card recorded the D / L information in the credit card Achieve the effect of preventing payment.

In addition, the present invention is to download the D / L information confirming the use of pre-approved credit card from the pre-approved server regularly or irregularly to manage only for a certain period of time by the first-in first-out method to store the D / Achieve the effect of significantly reducing the capacity of the L data and making it easy to manage.

In addition, the present invention receives the transaction history information and the new approval information in accordance with the small transaction performed in the charge settlement terminal to generate the D / L information to store in a predetermined database, and transmit to the charge settlement terminal Therefore, since only D / L information about the information recording medium used in the rate settlement terminal can be generated and transmitted, among the numerous information recording media that are issued in large numbers, the amount of D / L data can be significantly reduced.

In addition, the present invention by using a terminal computer that can control a plurality of charge settlement terminal transaction data or approval history generated in the charge settlement terminal to be uploaded to the pre-approved server to the data generated by the charge settlement terminal Achieve the effect of making it easier to manage.

Claims (18)

In a micro transaction system by a pre-approval using a credit recordable information recording medium that performs at least one micro transaction within the range of the pre-approval amount by the credit pre-approval, If it is not possible to make a small transaction by the assigned approval, a new approval is granted off-line without a separate approval process, and the small transaction is executed by the new approval. The small amount of approval by the pre-approval using the information recording medium, characterized in that it is determined whether the approval is approved through a approval process after a certain period of time to manage whether the information recording medium can be traded as D / L information later. Trading system. The method of claim 1, An information recording medium on which approval information and usage information are recorded; The information recorded on the information recording medium is read in communication with the information recording medium, and it is inquired whether the information read from the information recording medium is registered in the D / L data, and the information not registered in the D / L data. In the case of a recording medium, a fee settlement terminal is configured to determine whether a new approval is granted and to perform a small transaction, and then store transaction details or new approval information in an internal storage means and store the information in the information recording medium; And It is connected to the rate settlement terminal, receives and stores the information according to the performance of the small transaction from the rate settlement terminal on a regular or occasional basis and accumulates the amount used by the user within a certain period of the approved amount for each user In addition to receiving the new pre-approved information and the information unique to the information recording medium at the fare settlement terminal, it is possible to determine whether the new pre-approval is possible by retrieving the self-unique information of the information recording medium. In the case of a new pre-approval amount, a pre-approval number is assigned, and the new pre-approval number and pre-approval amount are stored in a database corresponding to the information recording medium information. Add information to the D / L data, and periodically or A micro transaction system using a pre-approval using an information recording medium, characterized in that consisting of a pre-approval server to transmit on an occasional basis. The server according to claim 1 or 2, wherein the server that is approved, It is determined whether the information according to the performance of the micro transaction received periodically or irregularly from the rate settlement terminal is included in the D / L, and if the D / L is included in the D / L data, the user's own information on the information recording medium is included in the D / L data In addition, the micro transaction system using a pre-approval using an information recording medium, characterized in that for transmitting the D / L data to the rate settlement terminal on a regular or irregular basis. The micro transaction system according to claim 1, wherein D / L information is additionally recorded on the information recording medium. The micro transaction system according to claim 1, wherein the pre-approval server transmits D / L data to a charge settlement terminal by a wireless method or a wired method. The method of claim 1, A separate terminal computer is provided between the pre-approval server and the rate settlement terminal, and the terminal computer controls a plurality of rate settlement terminals to transmit transaction details or pre-approval details generated at the rate settlement terminal to the pre-approval server. And the D / L data of the pre-approval server is transmitted to the fee settlement terminal. The terminal of claim 1, wherein the rate settlement terminal further comprises D / L management means for downloading the D / L data from a server approved on a regular or irregular basis and deleting or updating the data according to a first-in first-out method. Small transaction system by pre-approval using information recording media. The terminal of claim 1, wherein the fee settlement terminal determines whether the pre-approval renewal date set in advance has been approved, and when the preliminary approval is made, the preliminary approval amount recorded on the information recording medium, the preauthorization date, A micro transaction system using pre-approval using an information recording medium, characterized in that after the transaction history information is initialized (0), a new pre-approval amount and a pre-approval date are recorded on the information recording medium. 7. The information recording medium according to any one of claims 1 to 6, wherein the fee settlement terminal has a pre-approval amount less than the set minimum prepayment amount compared to a preset minimum pre-approval amount, so that a new pre-approval is made to the information recording medium. A micro transaction system using a pre-approval using an information recording medium, characterized in that the new pre-approval amount and the pre-approval date are updated. The method of claim 1, wherein the charge settlement terminal Reading / recording means for reading or recording predetermined information recorded on the information recording medium; Storage means for storing the predetermined information read from the read / record means and the micro transaction information or new approval information, D / L information generated according to the micro transaction execution; A security access module for providing security information offline so that predetermined information recorded on the information recording medium can be read; Communication means for supporting data transmission and reception with the approval server; Determining whether it is possible to perform a small transaction by reading predetermined self-owned information and approval information from the information recording medium through the read / record means, and if it is determined that the small transaction can be performed, the small transaction is executed. If it is determined that the micro transaction cannot be fulfilled, the predetermined new approval information is updated and recorded on the information recording medium through the read / record means, and the micro transaction information or the new approval information according to the small transaction is performed. And a control means for storing the information in the storage means together with the information of the information recording medium. In the microtransaction method by preauthorization using a creditable information recording medium which performs at least one microtransaction within the range of preauthorization by credit preauthorization, If it is not possible to make a small transaction by the assigned approval, a new approval is granted off-line without a separate approval process, and the small transaction is executed by the new approval. The small amount of approval by the pre-approval using the information recording medium, characterized in that it is determined whether the approval is approved through a approval process after a certain period of time to manage whether the information recording medium can be traded as D / L information later. How to trade. The method of claim 11, A step 100 in which the rate settlement terminal reads the information of the information recording medium and checks the D / L data according to the unique information of the read information recording medium to determine whether the rate recording terminal is an information recording medium capable of settlement of small transaction payments; A step 200 of determining whether a new approval is required if the information recording medium capable of settlement of a small transaction settlement price is determined as a result of the determination in step 100; If it is determined in step 200 that the preliminary approval is not necessary, the micro transaction is controlled to be executed, and after the micro transaction settlement amount is subtracted from the read preauthorized amount, the update is recorded on the information recording medium. Step 300 for storing the micro transaction information in correspondence with the unique number in the storage means; In step 200, if it is determined that approval is necessary, the predetermined new approval information is updated and recorded on the information recording medium, and the predetermined new approval information is stored in correspondence with the unique number in the storage means. Step 400; And Pre-approval using the information recording medium comprising the step 500 of transmitting the unique information of the information recording medium stored in the storage means, approval information transaction history information to the approval server on a regular or irregular basis Small transaction method by The method of claim 12, Receive new information approved by the fare settlement terminal and its own unique information of the information recording medium and receive the own unique information of the information recording medium.If new approval is not possible, the own unique information of the information recording medium is converted to D / L data. The method of claim 1, further comprising the step 600 of transmitting the D / L data to the rate settlement terminal at regular or irregular occasions. The method of claim 12, It is determined whether the information according to the performance of the micro transaction received periodically or irregularly from the rate settlement terminal is included in the D / L, and if the D / L is included in the D / L data, the user's own information on the information recording medium is included in the D / L data. The method of claim 1, further comprising the step of periodically or irregularly transmitting the D / L data to the rate settlement terminal. 12. The method of claim 11, further comprising the step of determining whether a new approval is required in accordance with the arrival of the pre-approval renewal date set in advance in the tariff settlement terminal in the step 200, the new pre-approval by the pre-approval renewal date In this case, the initial approval amount, the approval date, and transaction history information recorded on the information recording medium are initialized (0), and then the new approval amount and the approval date are recorded on the information recording medium. Small transaction method by pre-approval using. 12. The method of claim 11, wherein the step 200 includes: a new pre-approval when the remaining pre-approval amount is smaller than the minimum pre-set amount by comparing the pre-approval remaining amount read out from the information recording medium with the minimum pre-set amount in the fee settlement terminal. The micro-transaction method according to the pre-approval using an information recording medium, characterized in that it further comprises, wherein the new pre-approval amount and pre-approval date of the charge settlement terminal is updated. 12. The method of claim 11, wherein in step 100, the fee settlement terminal further comprises the step of checking whether D / L information is present in the information read from the information recording medium, and determining whether it is a transactable information recording medium. If the D / L information is not recorded on the information recording medium, it is determined whether the information recording medium number read from the information recording medium exists in the D / L data stored in the internal storage means of the billing terminal. And recording the D / L information on the information recording medium when the number is present in the D / L data, and stopping the transaction. The method of claim 11, The fee settlement terminal further includes the step of downloading the D / L information from the pre-approved server on a regular or irregular basis, and deleting and updating the D / L information according to a first-in-first-out method. How to trade.