Card transaction settlement method in point of sale systems

ABSTRACT

A card transaction settlement method in a point of sale (POS) system is described. More particularly, a payment by either the credit or debit card is made after an approval before the card transaction (ABCT) for a virtual transaction amount (VTA) is given, and in which when the transaction is completed, an approval after the card transaction (AACT) for the actual transaction amount (ATA) is requested for the transaction settlement. Settlement can be conveniently accomplished since conflict between the merchant and the consumer, caused by a difference between the transaction amount and the debited can be eliminated. The merchant has less of the financial risk for refund. A signature is not necessary on the signature form, resulting in that true non-cashier self-service sales can be introduced to the sales management system.

INFORMATION

DETAILED DESCRIPTION OF THE INVENTION

CROSS-REFERENCE TO RELATED APPLICATION

This patent application is a continuation-in-part of commonly owned, now abandoned, U.S. patent application Ser. No. 09/121,526 entitled “CARD TRANSACTION SETTLEMENT METHOD IN POINT OF SALE SYSTEMS” that was filed on Jul. 23, 1998. Patent application Ser. No. 09/121,526 is incorporated by reference in its entirety herein.

DETAILED DESCRIPTION

Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings. Furthermore, the present invention will be described with application of the self-service gas pump.

FIG. 4 is a block diagram of an internal configuration of the self-service gas pump for explaining the card transaction settlement method in the POS system according to the present invention. Referring to the FIG. 4, the self-service gas pump can be composed of a gas pump and a transaction settlement terminal . The gas pump comprises at least one pumping hole, a gas pump control unit connected through a communication cable (RS-485) for receiving the commands from an external control terminal so as to determine whether the gas can be supplied through the pumping hole, for indicating total payment amount and unit price per liter after calculation of how much gas is supplied to the consumer when the command instructing to supply the gas is received, wherein the gas is controlled to be supplied by closing/opening states of nozzle switches and nozzle latches whose number is corresponding to the number of the gas pump holes, and for simultaneously transmitting the calculated payment amount externally via the communication cable (RS-485). The transaction settlement terminal comprises a cash verifier for scanning cash, a card recognition unit for reading an information stored in the various cards, and a transaction settlement control unit connected to the gas pump control unit through the communication cable (RS-485) for the purpose of communicating to each other for giving a permission to supply the gas if the information read from the card is determined to be valid after enquiry of the inputted information, for controlling overall automated payment operation of setting the transaction according to the settlement type and its manner of settling the transaction.

The transaction settlement terminal also comprises a setting means for selecting the settlement type (cash or card) and gas supplying type (fixed amount of gas type, and fixed amount of money type) determined by the consumer. The transaction settlement terminal further comprises a LCD indicator for indicating a service-related information determined by the setting unit in graphics or characters, a status display for displaying status visually with use of light emitting diode LED or lamp, and a voice output for outputting service-related message displayed in the LCD indicating means and in the status display with recorded voice. The cash verifier comprises a banknote slot for inserting banknotes, and cash scanner for determining as to whether the banknote inserted and placed inside of the banknote slot is counterfeit. The card recognition units , , and comprise a card slot for inserting the card thereinto, a card fluoroscopy window for sensing the radio-frequency card within a certain distance, a radio frequency card recognition unit for reading the card information, a magnetic card recognition unit for reading the information stored in the magnetic stripe of the card, and an IC card recognition unit for reading the card information stored in the IC chip coated in the card, wherein those above mentioned card recognition units read cards either when the card is inserted into the slot or when the card is passing by the card fluoroscopy window. The transaction settlement terminal further comprises a security access module SAM 230 for off-line accessing validity of the information read from the card recognition units upon a receipt of the information transmitted from the gas pump control means through the communication cable, and a communication interface circuit, modem, for supporting data communication between the system and the card issuing institution/value-added network enterprise in order to access on-line the validity of the information read from the card recognition unit. The transaction settlement terminal further comprises a power source unit for providing the power to every unit arranged in the system and a receipt issuing unit for issuing the receipt including payment amounts of transaction under the control of the transaction settlement means.

The SAM is connected to the transaction settlement control unit via the communication cable (RS-232) and can be used to determine the card validity after the card is read either in the radio-frequency card recognition unit , or in the IC card recognition unit . The transaction settlement control unit is connected to the power source unit and is supplied with the power from the power source unit . The transaction settlement control unit is connected to the magnetic card recognition unit , the radio-frequency card recognition unit , the IC card recognition unit , and the cash verifier. The transaction settlement control unit is further connected to the receipt issuing means , the LCD indicator for displaying the instruction required to complete the transaction, the status display for indicating the operating status of the system, the voice output for providing the voice message, and the voice output for manipulating the selection of the manipulation keys.

At this time, the card recognition means of course can be installed with all or any of the magnetic card recognition unit, the radio-frequency card recognition unit, and the IC card recognition unit as required, and can be further adjusted according to the desired service to provided.

The gas pump which is controlled by the gas pump control unit supplied with the power from the power source unit , is used to supply the gas through the nozzle by pulling the gas stored in the tank under the ground to a pump/flowmeter with the use of opening/closing the nozzle switches and the nozzle latches (not shown in figures), and whose supply amount is determined by a setting unit of the gas pump, and at this time the calculated transaction amount of money corresponding to the supplied gas is displayed in a display . Herein, the detection signal is transmitted to the gas pump control means with the use of the pulse generation unit and the position detector which are arranged in the pump/flowmeter , then the gas pump control unit differentially compares the received detection signal with the set value for gas supply by the predetermined logical operation (program) and then accordingly transmits the respective control signal. The solenoid valve is controlled upon the receipt of the control signal so that the gas supplying amount is controlled. At this time, the gas pump control unit communicates with the control unit of the transaction settlement terminal with use of the communication cable (RS-485) such that the gas whose amount is determined by the setting unit , is supplied in the same manner as above, and herein the setting means of the gas pump is enabled.

FIG. 5 illustrates one embodiment of the self-service gas pump shown in FIG. . The self-service gas pump in FIG. 5 has only one pumping slot. Referring to the figure, the self-service gas pump comprises a LCD indicator for indicating the information required to do any key manipulation in graphics and characters, a setting unit including a credit card setting key, an RF/IC card setting key, a cash setting key, a plurality of functional selection keys for setting gas supplying types such as a fixed payment amount type and a fixed gas amount type, a plurality of numerical keys, a correction key, and a reject key for selecting the appropriate menu, a receipt issuing unit for issuing the receipt for the transaction amount with the use of either cash or various cards such as a credit card, a debit card, and a prepaid card, a card fluoroscopy window for reading the radio-frequency card, a cash inserting slot for inserting/extracting the cash, and a card inserting slot for inserting/extracting the magnetic card and the IC card. Those elements described above are arranged in the front side. The self-service gas pump can further comprise a nozzle and a nozzle gun for pumping up the gas from the gas tank under the ground, and a display for indicating the calculated payment amount and its unit price.

FIG. 6 is a flowchart for explaining the card transaction settlement method performed by the self-service gas pump shown in FIGS. 4 and 5. Referring to the figure, the card transaction settlement method of one embodiment of the present invention comprises steps - of requesting an approval before the card transaction ABCT for a virtual transaction amount VTA, steps , of getting an authorization of the ABCT for the VTA, steps - of controlling transactions, a step of requesting an approval after the card transaction AACT for an actual transaction amount ATA, a step of getting an authorization of the AACT for the ATA and steps , of resetting to an initial status of the self-service gas pump. The step of requesting the ABCT for the VTA is executed under a condition that personal identification numbers of the card are entered after the card is inserted and the virtual transaction amount is set.

Subsequent to the steps - of requesting the ABCT for the VTA, the steps , of getting the authorization of the ABCT for the VTA are executed by checking a card validity after inquiring a card information data. If the ABCT for the VTA is not authorized, the card is directly returned after indicating a respective error message. On the contrary, if the ABCT for the VTA is authorized, next steps - of controlling transactions are executed. The steps - includes a permission of transactions, an indication of the permission status and a determination of completing transactions by checking and indicating the actual transaction amount which is changing as the gas is supplied. Another step of requesting the AACT for ATA is continued to execute, which includes a prohibition of subsequent supply of the gas and an indication of the prohibition status. Subsequently, the step of getting the authorization of the AACT for the ATA is executed. Finally, the steps , of resetting to an initial stage of the self-service gas pump are executed. The steps , include issuing a receipt for the actual transaction amount and returning the card.

Though not shown in the figure, the step of requesting the ABCT for the VTA can be executed in a condition that the personal identification numbers are not entered for the sake of the convenience by avoiding cumbersome key manipulation after the card is inserted.

The described card transaction settlement method in the self-service gas pump further comprises a step of canceling the ABCT for the VTA. The step of canceling the ABCT for the VTA can be executed immediately after the step , of getting the authorization of the ABCT for the VTA, or be executed after the step - of controlling transactions, or else, be executed after the step of getting the authorization of the AACT for the ATA. As described above, the operation process of the method can be adjusted so as to increase the efficiency of the system.

FIG. 7 is a flowchart for explaining a second embodiment of the card transaction settlement method of the present invention. Referring to the figure, the second embodiment of the card transaction settlement method comprises steps - of requesting an approval before the card transaction ABCT for the virtual transaction amount VTA, steps , of getting an authorization of the ABCT for a VTA, steps of canceling the ABCT for then VTA, a step , of controlling transactions, a step - of evaluating an actual transaction amount ATA compared with the VTA, a step of requesting an approval after the card transaction AACT for the ATA, a step of getting an authorization of the AACT for the ATA and a step , of resetting to an initial status of the POS system.

The steps - of requesting the ABCT for the VTA are executed under a condition that personal identification numbers of the card are entered after the card is inserted and the virtual transaction amount is set as a customer desires.

Subsequent to the step - of requesting the ABCT for the VTA, the steps , of getting the authorization of the ABCT for the VTA are executed by checking the card validity after inquiring the card information data. If the ABCT for the VTA is not authorized, the card is directly returned after indicating a respective error message. On the contrary, if the ABCT for the VTA is authorized, the step of canceling the ABCT for the VTA is executed immediately. And then the steps , of controlling transactions are executed. The steps , include a permission of transactions, an indication of the permission status and a determination of completing transactions by checking and indicating the ATA which is changing as the goods are supplied. Then the steps - of evaluating the ATA compared with the VTA are executed. The step - includes a prohibition of subsequent transactions when the ATA is the same as or exceeds to the VTA and an indication of the prohibition status. The step of requesting the AACT for the ATA and the step of getting the authorization of the AACT for the ATA are executed. Finally, the steps , of resetting to an initial status of the POS system are executed. The steps , include issuing a receipt for the ATA and returning the card. Herein the ABCT for the VTA can also be requested without the receival of the personal identification number in order to avoid inconvenience of manipulating the keys. Furthermore, the step of canceling the ABCT for the VTA can be executed after the steps , of controlling transactions or be executed after the step of getting the authorization of the AACT for the ATA.

As described above, there are many variations in the process of each step in the card transaction settlement method.

Herein, the ABCT for the VTA can also be requested without the receival of the personal identification number in order to avoid inconvenience of manipulating the keys. The authorization of the ABCT for the VTA obtained in the step - of requesting the ABCT for the VTA can be automatically requested so to be canceled out just before requesting the AACT for the ATA while preventing the sales transaction from processing with displaying that status when transactions are completed in the step of controlling to make transactions. Furthermore, the acquired ABCT for the VTA can also be requested so to be canceled out when the authorization of the AACT is given in the step of requesting the AACT for the ATA. As described above, there is flexibility in the process of each step in the card transaction settlement method.

FIGS. 8-illustrate routes for requesting and authorizating the ABCT for the VTA between the self-service gas pump and the card issuers according to the present invention, and FIGS. 9-illustrate routes for requesting and authorizating the AACT for the ATA between the self-service gas pump and the card issuers according to the present invention.

FIG. 8and FIG. 9show the route in the case when the card authorization center and the card purchase company (such as value-added network enterprise, or the computer system of the oil refining company) are intermediate stations of the route, FIG. 8and FIG. 9show the route in the case when the card purchase company (such as value-added network enterprise, or the computer system of the oil refining company) is intermediate station of the route, and FIG. 8and FIG. 9show the route when the self-service gas pump directly communicates with the credit card issuing institution (or bank).

Referring to those figures, the card transaction settlement method in the self-service gas pump is as follows. First of all, the consumer makes the card read in the card recognizing unit - arranged on the gas pump. Upon the determination whether the personal identification number and the virtual transaction amount are inputted in the event that the card is inserted or immediately after the card is inserted, the self-service gas pump requests the ABCT for the VTA to the card issuing institution or the bank through the routes via the card authorization center and other communication network as in FIG. 8or through the route via a card purchase company as in FIG. 8or else by directly communicating as in FIG. 8. If the card approval is authorized by either the card issuing institution or the bank, the gas pump is controlled to supply the gas, and the information that the gas pump can supply the gas is displayed to inform the consumer. Therefore, the gas can be supplied to the consumer after entry of either the personal identification number or the gas amount/payment amount. However, the gas can also be supplied to the consumer with the operation of reading the card, even without the key inputting.

Therefore, the consumer recognizes that the gas supply is possible with the use of the display so that the consumer starts to feed the vehicle with the gas using the gas pump. Then the system reads the amount changing with supplied gas amounts. Upon the detection of either the fact that gas supply is completed or the fact that the supplied gas amount is exceeded the virtual gas amount set previously, the self-service gas pump enters into the standby state for awaiting for an authorization of the AACT for the ATA after requesting the AACT for the ATA to the card issuing institution or the bank. The ABCT for the VTA can be canceled out immediately when the requested AACT for the ATA is authorized. Otherwise, for requesting the AACT for the ATA, the already obtained ABCT for the VTA can be automatically canceled out first of all, and then the AACT for the ATA can be requested, or vice versa. Upon the receival of the AACT for the ATA in the standby state, the receipt for the actual transaction amount can be issued with the use of the receipt issuing means and the card is returned.

It is apparent that the card transaction settlement method in the self-service POS system according to the present invention can be applied not only to the gas station but also to the tollgate system in the highway, the express bus ticket sales system, as well as other POS system which is capable of settling the card transaction with a small modification. It will be apparent that various changes may be made in the form and steps thereof without departing from the spirit and scope of the invention or sacrificing all of its advantages.

With the present invention, there are many advantages that a customer can purchase goods simply and quickly in self-service POS system with the ABCT for the VTA using credit card or debit card, that merchants need not ask a signature of a customer by automatically controlling any refunding problem caused from difference between the virtual transaction amount and the real transaction amount because he or she can obtain the AACT for the ATA even if the customer cannot estimate the actual transaction amount, that there is no change problem since the system operates with high precision, and that financial risk by any fraudulent card can be prevented since the ABCT for the VTA is requested before the transaction is taken place. The present invention can be applied to various fields such as Video on Demand VOD on Internet, cellular phone rental service, taxi charge as well as gas station.

BRIEF DESCRIPTION OF THE DRAWINGS

The above objects and other advantages of the present invention will become more apparent by describing in detail the preferred embodiment thereof with reference to the attached drawings, in which:

FIGS. 1-3 are schematic views for explaining the self-service gas supply method with either a credit card or a debit card in the prior art;

FIG. 4 is a block diagram of the internal configuration of the self-service gas pump for explaining the card transaction settlement method in the POS systems according to an embodiment of the present invention;

FIG. 5 illustrates one embodiment of the self-service gas pump shown in FIG. 4;

FIG. 6 is a flowchart for explaining the card transaction settlement method performed in the self-service gas pump shown in FIG. 4;

FIG. 7 is a flowchart for explaining the card transaction settlement method in the POS systems according to another embodiment of the present invention;

FIGS. 8-illustrate routes for requesting and receiving an approval before a card transaction for a virtual card transaction amount according to the present invention; and

FIGS. 9-illustrate routes for requesting and receiving an approval after a card transaction for an actual card transaction amount according to the present invention.

CLAIMS

1. A method for performing an electronic card enabled transaction in a point of sale (POS) system having a self-service facility electronically connected to a card authorization center via a public network, the self-service facility including a card transaction terminal, the method comprising the acts of: (a) requesting an approval-before-the-transaction (ABCT) of the authorization center for setting a virtual transaction amount (VTA) at the self service facility; (b) determining whether the transaction is valid or not by validating the card and a corresponding account at the authorization center; (c) approving the VTA if a determination has been made that the card and account are valid and responsively sending an approval signal to the self-service facility; (d) executing the transaction at the self-service facility on the basis of the approval signal if the VTA is approved; (e) requesting an approval-after-the-card-transaction (AACT) of the authorization center for setting an actual transaction amount (ATA) on the basis of the actual executed transaction; (f) revalidating the VTA into the ATA at the authorization center and sending a confirmation signal to the self-service facility; and (g) initializing the self-service facility for a next transaction and issuing a receipt for the actual executed transaction.

2. The method of claim 1 wherein the VTA is a maximum anticipated transaction amount which is set for a particular one-time transaction.

3. The method of claim 2 wherein the maximum anticipated transaction amount is determined by attributes of an item or service to be provided in the transaction.

4. The method of claim 3 wherein the item or service is one for which a payment amount is not determined before the actual transaction is executed.

5. The method of claim 3 wherein the attributes comprise at least one of: a physical amount of the item; availability of the item or service; and a service time.

6. The method of claim 1 further comprising, before said act (a), the acts of: reading the card in the card transaction terminal of the self-service facility; and identifying a user using a entered personal identification number.

7. The method of claim 1 further comprising the acts of: denying the VTA if a determination is made that one of the card and account are invalid; and responsively sending an approval failure signal to the self-service facility.

8. The method of claim 1 further comprising canceling the ABCT for the VTA after one of act (a), (b), and (c).

9. The method of claim 1 wherein the ATA is prevented from exceeding the VTA.

10. A method for performing an electronic card enabled transaction in a point of sale (POS) system having a self-service facility electronically connected to a card authorization center via a public network, the self-service facility including a card transaction terminal, the method comprising the acts of: (a) requesting an approval-before-the-transaction (ABCT) of the authorization center for setting a virtual transaction amount (VTA) at the self-service facility; (b) validating the card and a corresponding account at the authorization center; (c) approving the VTA if a determination is made that the card and account are valid and responsively sending an approval signal to the self-service facility, the approved VTA being the lesser of: (1) a target VTA related to anticipated parameters of the transaction; and (2) a value related to an available amount in said account; (d) executing the transaction at the self-service facility on the basis of the approval signal if the VTA is approved and including restricting such execution to prevent an actual transaction amount (ATA) from exceeding the approved VTA; (e) requesting an approval-after-the-card-transaction (AACT) of the authorization center for charging or debiting the account in the amount of the ATA on the basis of the actual executed transaction; and (f) initializing the self-service facility for a next transaction and issuing a receipt for the actual executed transaction.

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