KR100407839B1 - System and method for processing money remaining over and storage media for having program source thereof - Google Patents

Abstract

According to the present invention, a barcode recording means in which a barcode is recorded is issued according to a user's request, the user pays the price after purchasing a product or using a service having the barcode recording means, and the balance generated according to the barcode recording means. The present invention provides a balance processing system and method for recording and accumulating the barcode information in a bar code information, and later allowing the user to use the amount of money when desired.

Description

A system and method for recording a balance, and a recording medium recording the program source therein {SYSTEM AND METHOD FOR PROCESSING MONEY REMAINING OVER AND STORAGE MEDIA FOR HAVING PROGRAM SOURCE THEREOF}

The present invention relates to a balance processing system and method for processing a balance generated when a product is purchased or a service is used, and a recording medium recording a program source thereof.

More specifically, the user pays the price after the purchase or use of the service of the user who has the barcode recording means in which the barcode is recorded, and the remaining balance is recorded and accumulated in the barcode information of the barcode recording means. A balance processing system and method for supporting the amount of money when desired and a recording medium recording the program source thereof are provided.

POS (POINT OF SALES) system, which is an existing distribution system, is used to analyze various information using a computer by inputting distribution information such as items, prices, and quantities at the same time as sales at a retailer's store.

Recently, the number of large marts and branch offices (chain stores) is increasing, and in order to facilitate the management of each large mart or branch offices at the headquarters managing the large marts and branch offices, POS is installed in each large mart or branch office. The branches are being networked.

In other words, when reading a unique number (bar code) printed on the product package at the time of merchandise sales at a large mart or branch office, various information of the merchandise sold is transmitted to the POS management center of the head office through the network via the POS terminal.

Retailers can use this information to identify sales trends from time to time, maintain inventory at an appropriate level, and promote product management and business automation by expanding the display of well-selling products.

However, until now, POS terminals installed in large supermarkets and branch offices have been limited in their use range, such as being used only for merchandise sales.

In addition, in the current distribution system, the merchant has to prepare the change in order to pay the balance that occurs after the settlement.

Accordingly, the present invention has been made to solve the above problems, and the first object of the present invention is to efficiently manage the balance generated after the user pays the price after purchasing the product or after using the service.

That is, it is possible to prevent the loss of the balance such as coins by issuing a barcode recording means for which the barcode is recorded to the user and storing the balance information generated after the purchase of the product or the payment of the service when using the service corresponding to the barcode information. In order to provide convenience to the user, the remaining balance can be used later.

The second purpose is to deposit the balance in the virtual account number recorded in the bar code or to withdraw the balance of the virtual account by ATM by recording the virtual account number corresponding to the bar code recorded on the bar code recording means It is for.

In particular, a user withdraws a desired amount of money through the virtual account, or the user who requests the use of the accumulated balance by receiving an authorization number to prevent unauthorized use of the barcode recording means.

In one embodiment of the present invention for achieving the above object, in the system for processing the balance generated when the user pays the price after the purchase of goods or using the service, a bar code in which the user's personal identification number is recorded as a bar code Recording means; A merchant terminal for requesting payment of an amount generated according to the user's purchase of a product or use of a service, receiving payment amount from the user, and transmitting balance information so that the balance after payment is stored corresponding to the personal identification number recorded on the barcode; And a terminal system (POS: POINT OF SALES) comprising a management center for accumulating and managing balance information transmitted from the affiliated store terminal and determining whether to approve upon request for use of the balance of the barcode recording means. Provide a balance treatment system.

One embodiment of the present invention method for achieving the above object, in the method for processing the balance generated when the user pays the price after purchasing the goods or using the service, 1) the personal identification number is recorded to the user as a barcode Issuing a bar code recording means; 2) request the payment of the amount generated according to the user's purchase or use of the service, and receive the payment amount from the user, so that the balance after the payment is stored in correspondence with the personal identification number recorded on the barcode; It provides a balance processing method comprising the step of transmitting.

Another embodiment of the present invention for achieving the above object, in the recording medium stored in the computer to read the process of processing the balance generated when the user pays the price after purchasing the goods or using the service, A Request payment of the amount generated according to the user's purchase or use of the service, and receive the payment amount from the user and transmit the balance information to the management center so that the balance after payment is stored corresponding to the personal identification number recorded on the barcode. It provides a recording medium storing the program source for the balance processing process characterized in that it comprises a process for.

1 is an overall configuration diagram showing an embodiment of a balance processing system according to the present invention,

2 is a view showing an embodiment of a bar code recording means of the present invention, respectively;

3 is a flowchart illustrating an embodiment of a balance processing method according to the present invention;

4 is a view for explaining a virtual account granting process.

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

10: communication network 20: terminal system

24: Merchant Terminal 28: Management Center

30: virtual account system 32: DB

36: virtual account server 37: virtual account management module

38: settlement support module 40: partner bank server

50: card issuer terminal 60: ATM

These objects, features and advantages of the present invention will be more readily understood by reference to the accompanying drawings and detailed description.

In the present invention below, the balance information from each of the affiliated store terminals 24 and the plurality of affiliated store terminals 24 to allow the balance information to be accumulated in the bar code recording means in which the personal identification number is recorded as a bar code is applied to the request for approval. The management center 28 that manages the plurality of affiliated store terminals 20, such as determining whether to approve the approval, is connected to a communication network, and a balance processing process performed in the system is proposed as a preferred embodiment.

In addition, preferred embodiments of the present invention include embodiments such as computer systems and computer program products programmed to carry out the methods of the present invention. In accordance with an embodiment of a computer system, a set of instructions for executing a method resides in one or more memories (RAM), and these sets of instructions may be stored in another memory, such as a hard disk, until needed by the computer system. It can be stored as a computer program product.

1 is an overall configuration diagram showing an embodiment of a balance processing system according to the present invention.

First, the balance processing system of the present invention includes a bar code recording means (not shown) in which a user's personal identification number is recorded as a bar code; Merchant terminal for requesting payment of the amount generated according to the user's purchase or use of the service, receiving the payment amount from the user and transmitting the balance information so that the balance after payment is stored corresponding to the personal identification number recorded on the barcode ( 24) and a terminal system (POS: POINT OF SALES), which accumulates and manages balance information transmitted from the affiliated store terminal and determines whether to approve the request for use of the balance of the barcode recording means. 20).

The merchant terminal 24 calculates a payment amount and a balance generated by a barcode reader (not shown) for reading a barcode of a user's barcode recording means, a user's purchase of a product or use of a service, and the management center 28 And a payment device (not shown) that accumulates the balance corresponding to the personal identification number of the barcode recording means or requests the use of the balance of the barcode recording means according to a user's request.

The affiliated store terminal (24) further includes: a barcode reader for reading the barcode of the barcode recording means of the user; A payment device for calculating a payment amount and a balance generated according to the user's purchase of a product or use of a service; Connected to the management center and may be configured to include a dedicated bar code recording device for accumulating the balance in response to a user's request corresponding to the personal identification number of the bar code recording means or request the use of the balance of the bar code recording means. .

The management center 28 receives the authentication number from the corresponding user when the use of the balance of the barcode recording means is requested from the affiliated store terminal 24 to determine whether to approve, and the authentication number is the user at the time of issuing the barcode recording means. Is given to.

In addition, when the information recorded in the bar code recording means is a virtual account number, the balance processing system of the present invention checks the authentication number in response to the payment request requested from the terminal system 20 and charges the affiliated bank. It may further include a virtual account system 30 for requesting the payment and settlement process and transmitting the settlement processing result to the terminal system (20).

The virtual account server 36 of the virtual account system 30 is applied by applying a virtual account to the alliance bank server 40, the user delegated the given virtual account to the business to apply for affiliation or issued a barcode recording means Virtual account management module 37 for supporting the assignment to the user, and the settlement support module 38 for receiving and paying the amount of information generated in accordance with the purchase of goods or services used in the merchant of the user possessing the bar code recording means It is configured by.

In addition, the present invention system includes a bar code reader for reading a bar code of the bar code recording means, and reads the bar code of the bar code recording means and supports the user's deposit or withdrawal to the virtual account, or the bar code recording means If the personal identification number recorded in the serial number assigned to each user is connected to the management center 28 and after receiving the user authentication from the management center 28 ATM (60) withdrawing the amount requested by the user It may further include.

Hereinafter, a description will be given of an operation of each component in the balance processing system having the above configuration, and an embodiment of the barcode recording means will be described as a card, and the personal identification recorded in the barcode included in the card. When the information is a serial number assigned to each person and when the virtual account number will be described separately.

The bar code recording means includes all means capable of recording bar code information, and the merchant terminal 24 will be described as an embodiment that is composed of a bar code reader (not shown) and a payment device (not shown).

Figure 3 is a flow chart for explaining an embodiment of a balance processing method according to the present invention, will be described with reference to this.

1) First, a description will be given when the personal identification information recorded in the barcode of the card is a serial number.

At this time, the appearance of the card is as shown in FIG. A bar code is engraved in a predetermined area of the card, and a serial number is correspondingly recorded on the bar code. At this time, the card can be used only as a card for the balance of the present invention.

Such a card may be issued at each affiliate store or may be issued through a card issuer terminal 50 at a card issuer for card issuance, and the card issuer terminal 50 may be installed at each affiliate store. .

The user for using the balance processing system of the present invention should be issued a card (bar code recording means) is recorded bar code (S100). Then, when the user purchases a product or uses a service at the affiliated store (S200), the price is calculated for the purchase of the product or the use of the service, and each affiliate store receives the purchase price of the product or the service use from the user.

When the user receives a purchase price or a service usage fee from the user, most of the balance is generated. When the balance is calculated through the payment terminal of the affiliated store terminal 24 (S300), the user transmits the barcode information of the card owned by the user and the information corresponding to the balance to the management center 28 (S400). , S500).

Since the management center 28 is connected to an affiliated store terminal 24 installed in each affiliated store, the barcode information and the balance information of the user card read by the barcode reader of the affiliated store terminal 24 are stored in the management center 28. Is sent to.

The management center 28 has a database (not shown) that stores the barcode information of the card, and the database stores the serial number stored in the barcode of each card and the accumulated balance information.

An example of the serial number and balance information stored in the database is shown in the following [Table 1].

： ： 6699000233568886 5000 6699000233568890 800 ： ：

That is, the holder of the card illustrated in Figure 2a) can be seen referring to Table 1 that the balance is accumulated 5000 won on the card.

The balance information cannot be directly recorded or updated on the barcode of the card possessed by the user, and the merchant reads the barcode of the card of the user and transmits the barcode information to the management center 28, and then transfers the balance information to the management. Recognize the barcode information and the balance information transmitted from the center 28 so that the balance information is accumulated and stored in the barcode information. When the barcode information and the balance information are transmitted, a code recognizable by the management center 28 may be further included between the barcode information and the balance information.

When the user holding the card of FIG. 2A in the state of Table 1 further accumulates 1500 won, the balance information becomes '1500', and the balance information corresponding to 6699000233568886 of Table 1 includes the balance information 1500. This adds up to 6500.

The process when the user wants to use the balance accumulated in the card is as follows.

First, it is a good idea to let the user know how much money you have on your card. When the user requests to know how much the balance of his / her card is, the affiliated store terminal 24 may inform the user of this. In this case, in order to prevent security and unauthorized use of the card, a user may input and request an authentication number to be described later.

Then, the user can use the balance within the balance of the card possessed by the user.

For example, if the user currently holding the card of FIG. 2A (current balance: 5000) pays 10700 won after purchasing a product or after using the service, the user pays 10,000 won in cash and 700 won. The circle can be calculated using the balance of the card.

By doing so, it is possible to pay the use amount without generating a new balance, which may give convenience to the user.

The authentication number may be assigned to the authentication number desired by the user at the merchant issuing the card, or may be given to the user requesting card issuance at the card issuing institution terminal 50. Alternatively, a user who has been granted the card may access a website operated by an organization that issues the card, input a serial number of the card, and register an authentication number. The user can then access the website and enter the card's serial number and authentication number to check the balance of the card.

2) Next, a description will be given when the personal identification information recorded in the barcode of the card is a virtual account number.

At this time, the external appearance of the card is as shown in Figure 2b), the card as shown in Figure 2b) is a bar code is further included in a predetermined area, such as currently used credit or debit card. A typical credit or debit card includes a magnetic bar (lower end of FIG. 2b), and three tracks are formed on the magnetic bar.

Currently, credit cards in Korea use credit card numbers on the second track. However, in the case of a card of a user having a virtual account, the virtual account number is recorded in the third track of the magnetic bar of FIG. 2B).

Here, the virtual account assignment process will be described with reference to FIG. 4.

Referring to FIG. 4, the virtual account management company 2 operating the virtual account system 30 may apply for a virtual account to an affiliate bank 1 (S110) and receive a virtual account from the affiliate bank. (S120).

The virtual account management module 37 included in the virtual account system 30 stores and manages virtual account information received from the affiliated bank in the virtual account information DB (not shown).

In response to the virtual account application (S210) of the affiliated business 3 connected to the website operated and managed by the virtual account system 30, the virtual account management module 37 grants the virtual account to the affiliated business. (S220).

The virtual account management module 37 registers the affiliate information by presenting an input field for inputting the information of the affiliated business 3 connected to the website, receives the virtual account application, and receives the information from the affiliated bank 1. Assign a virtual account to the affiliate who applied for it.

In this process, if the affiliated business (3) does not have a real account at the affiliated bank (1), it is delegated to the real account and applied to the affiliated bank (1) and given a virtual account accordingly. You can also grant.

The virtual account management company (2) supports the virtual account given to the affiliated business (3) can be granted to the affiliated store user (4) (S230).

A user having a virtual account granted through the above process owns the card as shown in FIG. 2B).

The manner in which the user who owns the card as shown in FIG. 2B) records or uses the balance information on the card is similar to the first embodiment described above. When the information recorded in the barcode of the card is a virtual account number, the virtual information is recognized by the management center 28 that the barcode information read and transmitted through the barcode reader of the affiliated store terminal 24 is the virtual account number. When the account number is transmitted to the virtual account system 30, the balance information is accumulated (deposited) in the virtual account of the user in the virtual account system 30.

When accumulating the balance, the settlement support module 38 of the virtual account system 30 checks whether the format of the virtual account number is correct and balances the virtual account of the affiliated bank server 40 to which the virtual account is connected. If the user wants to use the balance accumulated in the virtual account number of the card, the user's authentication number is transmitted to the partner bank server 40 and the settlement process is performed. It transmits to the affiliated store terminal 24 via the 28.

As shown in FIG. 2B), when a bar code is further included in a credit card or a debit card that is currently being used, a function for processing the balance of the present invention may be further used in addition to the function of the credit card or debit card currently being used. There is an advantage.

In particular, a card such as 2b) may be made available to the ATM (60). Currently, the ATM 60 includes a barcode reader. In such an ATM 60, if the user wants to use the function of the credit or debit card of the card, and the magnetic bar of the card is damaged and the magnetic bar is not read, the user can use the barcode reader of the ATM 60 to read the card. The balance of the virtual account can also be withdrawn by reading the barcode.

In particular, the ATM 60 supports the payment of the bar code by reading the bill to the utility bills, and records the balance generated when the money is to be deposited in cash after reading the barcode to the bill of utility bills in the barcode information of the barcode recording means. Can be set.

In addition, in addition to the balance incurred at the time of purchase of goods or after using the service, the user pays extra cash so that the amount corresponding to the cash is accumulated in the barcode information of the card, and the balance of the card is thereafter. Can be used. That is, the current debit card function can be performed.

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.

According to the present invention, by allowing the balance generated when the user purchases the goods or uses the service to be recorded in the barcode recording means owned by the user, the merchant can prevent the hassle of having to prepare the balance separately. It is convenient that the balance can be accumulated in the barcode recording means.

In addition, when it is difficult to process a predetermined balance, it is possible to make a payment using the balance recorded in the barcode information of the barcode recording means, so that the previously accumulated balance can be usefully used.

Claims (23)

In the system for processing the balance generated when the user pays for the purchase after using the product or services, Bar code recording means in which a user's personal identification number is recorded as a bar code; A merchant terminal for requesting payment of an amount generated according to the user's purchase of a product or use of a service, receiving payment amount from the user, and transmitting balance information so that the balance after payment is stored corresponding to the personal identification number recorded on the barcode; And a terminal system (POS: POINT OF SALES) comprising a management center for accumulating and managing balance information transmitted from the affiliated store terminal and determining whether to approve upon request for use of the balance of the barcode recording means. Balance processing system. The method of claim 1, wherein the personal identification number is Balance processing system, characterized in that the serial number or virtual account number assigned to each user. The method of claim 1, wherein the affiliated store terminal is A barcode reader for reading the barcode of the barcode recording means of the user; Calculates a payment amount and a balance generated by the user's purchase of a product or use of a service, is connected to the management center, and accumulates the balance in response to a user's request in response to a personal identification number of the barcode recording means or a corresponding barcode The balance processing system, characterized in that it comprises a payment device for requesting the use of the balance of the recording means. The method of claim 1, wherein the affiliated store terminal is A barcode reader for reading the barcode of the barcode recording means of the user; A payment device for calculating a payment amount and a balance generated according to the user's purchase of a product or use of a service; And a bar code recording device dedicated device connected to the management center and accumulating the balance corresponding to a personal identification number of the bar code recording means or requesting use of the balance of the bar code recording means according to a user's request. Balance processing system. The method of claim 3, wherein the management center The balance processing system, characterized in that if the request to use the balance of the barcode recording means from the merchant terminal receives the authentication number from the corresponding user to determine whether the approval. The method of claim 4, wherein the management center The balance processing system, characterized in that if the request to use the balance of the barcode recording means from the merchant terminal receives the authentication number from the corresponding user to determine whether the approval. The method of claim 5, wherein the authentication number Balance processing system characterized in that the user is given to the bar code recording means issued by the merchant terminal. The method according to claim 1 or 2, When the information recorded in the bar code recording means is a virtual account number, the authentication number is confirmed in response to the requested payment request from the terminal system, the payment is made to the affiliated bank for settlement, and the settlement processing result is read. The balance processing system further comprises a virtual account system for transmitting to the terminal system. The method of claim 2, And a bar code reader for reading a bar code of the bar code recording means, and further comprising an ATM that reads the bar code recording means and supports the user's deposit into or out of the virtual account. The method according to claim 1 or 2, If the personal identification number recorded in the bar code recording means is a serial number assigned to each user, further comprising an ATM connected with the management center and withdrawing the amount requested by the user after receiving a user authentication from the management center; Balance processing system, characterized in that. In the method of processing the balance incurred when a user makes a payment after purchasing a product or using a service, 1) a process of issuing a barcode recording means in which a personal identification number is recorded as a barcode to a user; 2) request the payment of the amount generated according to the user's purchase or use of the service, and receive the payment amount from the user, so that the balance after the payment is stored in correspondence with the personal identification number recorded on the barcode; Balance processing method comprising the step of transmitting. The method of claim 11, 3) The balance processing method comprising the step of requesting the use of the balance of the barcode recording means. 13. The management center of claim 11 or 12, wherein 4) accumulating and managing the balance information, and determining whether to approve upon request for use of the balance of the barcode recording means. The method of claim 11 or 12, wherein the personal identification number of step 1) is Balance processing method characterized in that the serial number or virtual account number assigned to each user. The process of claim 13, wherein 4-1) The balance processing method, characterized in that if the request to use the balance of the barcode recording means from the merchant terminal receives the authentication number from the corresponding user to determine whether the approval. The method of claim 15, wherein step 1) Balance processing method characterized in that the authentication number is assigned to the user when the barcode recording means is issued. The method of claim 16, 5) If the information recorded in the bar code recording means is a virtual account number, the authentication number is confirmed in response to the payment request requested in step 2), the payment is made to the partner bank for settlement and processing. The balance processing method further comprising the step of transmitting a result. 17. The process of claim 16, wherein 5-1) The balance processing method further comprises the step of supporting the deposit to the user's virtual account or withdrawal to the virtual account by reading the barcode of the barcode recording means through a barcode reader included in the ATM. The method of claim 11, 6) When the personal identification number recorded in the bar code recording means is a serial number assigned to each user, withdraw the amount requested by the user after receiving the user authentication from the management center at the ATM connected to the management center. Balance treatment method further comprising the process. Claims [1] A recording medium in which a computer can read a process of processing a balance generated when a user makes a payment after purchasing a product or using a service. A) request the payment of the amount generated in accordance with the user's purchase or use of the service, and receives the payment amount from the user so that the balance after payment is stored in correspondence with the personal identification number recorded on the bar code to the management center. A recording medium storing a program source for the balance processing process characterized in that it comprises a transfer process. The process of claim 20 wherein the process A) A-I) A recording medium storing a program source for the balance processing, characterized in that it comprises a process for requesting the use of the balance of the bar code recording means. 22. The method of claim 20 or 21, wherein the personal identification number of the process A) is Recording medium storing a program source for the balance processing process, characterized in that the serial number or virtual account number assigned to each user. The process of claim 21 wherein the A-I) process is A-II) A recording medium storing a program source for the balance processing process comprising the step of requesting and inputting the authentication number from the user when requesting the use of the balance of the bar code recording means.