CN101303786A - Method and system for processing give of small change using small-change-storing integration-fetching mode - Google Patents
Method and system for processing give of small change using small-change-storing integration-fetching mode Download PDFInfo
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- CN101303786A CN101303786A CNA2007100743589A CN200710074358A CN101303786A CN 101303786 A CN101303786 A CN 101303786A CN A2007100743589 A CNA2007100743589 A CN A2007100743589A CN 200710074358 A CN200710074358 A CN 200710074358A CN 101303786 A CN101303786 A CN 101303786A
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Abstract
The invention discloses a method and a system for making change, which are used for making change in collection and payment. The method comprises the steps that the change amount to be made for a customer is deducted by the store from the surplus money amount of a commercial tenant card (3) of the store through a change making terminal (2); then the change amount is accumulated to the charge surplus amount in a card of fixed deposit by installments (1) of the customer. The invention has the advantages that no coin needs to be prepared by the store; a traditional method which takes cash coins for change making can be completely replaced; all money amount of the change to be made is stored in the card of fixed deposit by installments (1) of the customer; the expenditure for dealing with coins and change can be saved for the store; on the part of the customer, the customer does not need to check the coin change when paying the bills; all change can be stored in the card of fixed deposit by installments (1); only in settlement, the change surplus money amount in the card of fixed deposit by installments (1) can be transferred in the bank account of the customer, thus avoiding waste of unused coins placed at home due to the small amount of the coins and inconvenience to be carried.
Description
[ technical field ] A method for producing a semiconductor device
The present invention relates to the field of smart card technology, and in particular to a system and method for processing change due.
[ technical background ] A method for producing a semiconductor device
The processing of coin change is the problem that people's daily life often met, when shopping consumption was paid, often included coin change in looking for and continuing, because the coin amount is little, inconvenient carrying, some people put the coin that looks for and continues to return at home for a long time and do not use, and the government will spend money and issue new coin like this. On the other hand, the store often needs to prepare enough coins to deal with the change, and if the coin change is not enough to deal with the change, the customer may cancel the transaction and go to another store for shopping, and the store pays a lot of cost in the change. In addition, the coins are very dirty, have many bacteria and viruses, and can spread diseases, such as SARS, influenza, dermatosis, etc., if a patient purchases the coins for payment, the coins can be rolled over the hands of a plurality of different people in one day to spread the bacteria and viruses. How to properly handle the change of coins is a problem to be solved.
[ summary of the invention ]
The invention aims to provide a system and a method for processing change order so as to realize the application of replacing cash order in payment order.
The invention aims to realize the purpose of using the change processing and renewing system for renewing during payment, which is characterized in that the system comprises a change depositing and withdrawing card (1), a renewing terminal (2), a merchant card (3), a change depositing and withdrawing settlement machine (4) and a bank computer center (5),
wherein,
the change deposit collecting card (1) can be a smart card, an IC card, a contactless smart card, a credit card with a smart card chip, a debit card with a smart card chip, a cash card with a smart card chip, a bank card with a smart card chip and the like, and a unique card number and a change balance amount record and a deposit change record which is completely deposited into the change deposit collecting card (1) are stored in the change deposit collecting card (1);
the merchant card (3) can be an intelligent card, an IC card, a contactless intelligent card or the like, and the merchant card (3) is stored with a unique card number and a balance amount record and all change-seeking records of the change-seeking operation performed by the merchant card (3);
the change seeking terminal (2) is mainly used for deducting the change seeking amount from the balance amount of a merchant card (3) of a store when the store seeks change to a customer, and then accumulating the change seeking amount into the change balance amount in a change storage and taking card (1) of the customer;
the zero-deposit integral-fetching settlement machine (4) is mainly used for settling the zero-deposit integral-fetching card (1), recharging the merchant card (3) and the like;
the bank computer center (5) stores the data of all the retail integral cards (1), including the card number of each retail integral card (1) and the data of the bank account of the customer corresponding to the card number, and the bank computer center (5) stores the data of all the merchant cards (3), including the card number of each merchant card (3) and the detailed data of all the continuous change records and recharging records corresponding to the card number.
In the invention, an intelligent card is used as a zero-memory integral card (1) and a merchant card (3), the intelligent card is a portable card plastic embedded with an integrated circuit chip, the intelligent card comprises a microprocessor, an IO interface, a memory, a secret key and the like, and provides functions of data operation, encryption, decryption, access control, storage and the like, all read-write operations of the zero-memory integral card (1) or the merchant card (3) need to pass authentication of the secret key, and all data read-written between a zero-memory integral card reader-writer (202) or a zero-memory integral card reader-writer (402) and the zero-memory integral card (1) are encrypted, and all data read-written between a merchant card reader-writer (203) or a merchant card reader-writer (403) and the merchant card (3) are also encrypted, so that the safety of the data in the card can be ensured, and the encryption, decryption, access control and storage of the like of the intelligent card are related to the intelligent card, The present invention directly adopts these prior arts as security means for the zero-deposit receipt card (1) and the merchant card (3) of the present invention, and for convenience of description, the descriptions about encryption, decryption, authentication, access control, etc. of the zero-deposit receipt card (1) and the merchant card (3) are omitted in the present specification, and even if the system and method in the present specification do not have the description about the security means, the system and method in the present specification still include the security means.
And, adopt such a change processing to look for the subsequent use while paying, characterized by that, the said method includes the store will look for the subsequent change amount that the customer will look for, deduct the subsequent change amount from the balance amount of the merchant's card (3) of the store through looking for the terminal (2), then add up the said subsequent change amount to the change balance amount in the customer's change integral card (1).
This achieves the object of the invention.
The method and the system for processing change have the advantages that the store does not need to prepare coins and can completely replace the traditional method for processing change by cash coins, the sum of all change is stored in the change storage and collecting card (1) of the customer, and the store can save the expenditure for processing the change of the coins. On the aspect of customers, the customers do not need to check and receive the renewed coin change during consumption and payment, all the renewed change can be stored in the change storage and retrieval card (1), the balance amount in the change storage and retrieval card (1) is transferred to the bank account of the customers during settlement, and the waste condition that the change amount is small and inconvenient to carry and is not used at home can not occur.
[ description of the drawings ]
FIG. 1 is a schematic explanatory view of a procedure of depositing the change to be made into the change storing and taking card (1) of the change making-up system of the present invention;
FIG. 2 is a schematic explanatory view of the steps of settling a change depositing card (1) of the change order processing system of the present invention;
FIG. 3 is a schematic explanatory view of the structure of the change terminal (2) of the change processing system of the present invention;
FIG. 4 is a schematic explanatory view of the structure of the change depositing and clearing machine (4) of the change order processing system of the present invention;
FIG. 5 is a schematic illustration of the steps of the merchant card (3) for processing the change order system of the present invention for recharging;
FIG. 6 is a schematic illustration of an embodiment of the change order system with communication devices added thereto according to the present invention;
in the drawings, like numerals refer to like systems, devices, components, and parts, and method steps are represented by circled numerals and lines with arrows. The drawings are schematic to illustrate the major steps of the system and method of the present invention.
[ detailed description ] embodiments
The method of the present invention will be described in further detail below with reference to the accompanying drawings.
Referring to fig. 1 and 2, fig. 1 is a schematic explanatory view of a procedure of depositing the change into the change storage card (1) of the change processing and renewing system of the present invention, fig. 2 is a schematic explanatory view of a procedure of settling the change in the change storage card (1) of the change processing and renewing system of the present invention, fig. 1 and 2 show that the change processing and renewing system of the present invention includes the change storage card (1), the renewing terminal (2), the merchant card (3), the change storage settling machine (4), and the bank computer center (5),
wherein,
the change depositing card (1) can be a smart card, an IC card, a contactless smart card, a credit card with a smart card chip, a debit card with a smart card chip, a cash card with a smart card chip, a bank card with a smart card chip and the like, preferably a contactless smart card, and a change depositing record which stores a unique card number and a change balance amount record and all of which are stored in the change depositing card (1) is stored in the change depositing card (1);
the merchant card (3) can be a smart card, an IC card, a contactless smart card or the like, preferably a contact smart card, and the merchant card (3) is stored with a unique card number and a balance amount record and all the change-seeking records of the change-seeking operation performed by the merchant card (3);
the bank computer center (5) can be an account computer center of a bank or a settlement center which is specially responsible for processing change renewal system, and is represented by the bank computer center (5) in the specification. In the invention, the bank computer center (5) is mainly responsible for processing the settlement work of the change integral card (1) and checking the change record, processing the recharging work and checking the change record of the merchant card (3) and managing the bank account of the customer. The merchant card (3) is issued by the bank computer center (5) in an unmarked mode, the merchant card (3) can be placed on the continuous-seeking terminal (2) for continuous seeking as long as a store pays the money according to the merchant card (3) and recharges the merchant card (3), the merchant card (3) can be recharged for continuous use after the balance amount in the merchant card (3) is used up, the bank computer center (5) can also issue the merchant card (3) in a marked mode, and the bank account number of the store needs to be registered when the store applies for the merchant card (3), so that each continuous-seeking change record is generated from the store. In addition, the whole card (1) of the retail deposit is also issued by a bank computer center (5), when a customer applies for the whole card (1) of the retail deposit, the bank account number of the customer can be bound with the card number of the whole card (1) of the retail deposit, when the whole card (1) of the retail deposit is settled later, the bank computer center (5) can transfer the balance amount in the whole card (1) of the retail deposit to the bank account bound with the card number of the whole card (1) of the retail deposit, the customer can also not bind the card number of the whole card (1) of the retail deposit with the bank account number, but the customer holds the whole card (1) of the retail deposit to settle the account during each settlement, and the balance amount in the whole card (1) of the retail deposit is transferred to cash withdrawal by the bank. The bank computer center (5) stores the data of all the zero-deposit integral-fetching cards (1) of the customers simultaneously, including the card number of each zero-deposit integral-fetching card (1) and the data of the bank account of the customer corresponding to the card number, and the bank computer center (5) stores the data of all the merchant cards (3) of the merchants, including the card number of each merchant card (3) and the data of the merchant card account corresponding to the card number.
Referring to fig. 3, fig. 3 is a schematic illustration of the structure of the change-seeking terminal (2) of the change-seeking system of the present invention, the main structure of the change-seeking terminal (2) shown in the figure comprises a controller (201), a change-saving reading/writing device (202), a merchant card reader/writer (203), a first display screen (204), a second display screen (205), a keyboard (206), a prompting device (207), and a communication interface (208),
wherein,
the controller (201) is connected with a change integral reading card reader-writer (202), a merchant card reader-writer (203), a first display screen (204), a second display screen (205), a keyboard (206), a prompting device (207), a communication interface (208) and other components, and operates according to a preset program to realize the function of preset change processing and order finding;
the change integral storage card reader-writer (202) is mainly used for reading and writing the change balance amount record and the change deposit record in the change integral storage card (1);
the merchant card reader-writer (203) is mainly used for reading and writing the balance amount record and the change record in the merchant card (3);
the first display screen (204) is mainly used for displaying information to the merchant, and the displayed information comprises the data of the amount of change to find and change, the balance amount of the merchant card (3) and the like;
the second display screen (205) is mainly used for displaying information to customers, and the displayed information comprises the data of the amount of change to be found and renewed, the amount of change balance of the change storage and taking card (1) and the like;
the keyboard (206) is mainly used for the merchant to input the change amount;
the prompting device (207) is mainly used for sending out prompting information, wherein the prompting information comprises different operating state information represented by different sounds or signal lamps;
the communication interface (208) is mainly used for connecting a cash register of a shop, and the cash register transmits the change amount data to the change terminal (2) through the communication interface (208) so as to replace a merchant to input the change amount on the keyboard (206).
Before the store uses the continuous finding terminal (2), a cashier needs to put the merchant card (3) on a merchant card reader-writer (203) of the continuous finding terminal (2), and needs to recharge the merchant card (3) in advance, the balance amount in the merchant card (3) can be used as change for continuous finding, for convenience of management, the store can distribute one to multiple merchant cards (3) for each cashier in the store, each cashier is responsible for keeping and using the merchant card (3), and when the balance amount of the merchant card (3) is used up or the balance is insufficient, the store is responsible for people to recharge the merchant card (3) to the bank.
Referring to fig. 4, fig. 4 is a schematic explanatory view of the structure of the change saving machine (4) of the change saving system of the present invention, the main structure of the change saving machine (4) shown in the figure comprises a controller (401), a change saving card reader/writer (402), a merchant card reader/writer (403), a display screen (404), and a prompting device (405), the change saving machine (4) is in electrical communication with a bank computer center (5) and is mainly used for the change saving work of the change saving card (1) and the recharging work of the merchant card (3),
wherein,
the controller (401) is connected with the part such as the change integral storage card reader-writer (402), the merchant card reader-writer (403), the display screen (404) and the prompting device (405), and operates according to a preset program to realize the change continuous settlement function of the preset processing change integral storage card (1) and the recharging function of the merchant card (3);
the change integral storage card reader-writer (402) is mainly used for reading and writing the change balance amount record and the change deposit record in the change integral storage card (1);
the merchant card reader-writer (403) is mainly used for reading and writing the balance amount record and the change record in the merchant card (3);
the display screen (404) is mainly used for displaying information, and the displayed information comprises the data of the balance amount of the change stored in the whole card (1), the record of the change stored in the card, and the like, and the data of the balance amount, the record of the change finding, the charge amount, and the like of the merchant card (3);
the prompting device (405) is mainly used for sending out prompting information, and the prompting information comprises different operation state information represented by different sounds or signal lamps.
The retail deposit receipt settlement machine (4) can be arranged in a bank or some appointed special stores, such as convenience stores and the like, and customers can conveniently take the retail deposit receipt card (1) to the retail deposit receipt settlement machine (4) for settlement.
With continued reference to fig. 1, fig. 1 is a schematic illustration of the steps of depositing the change into the change card (1) of the change keeping system of the present invention, showing the steps of depositing the change amount into the change card (1) of the customer by the cashier of the store when the customer pays at the store, and the specific steps are as follows:
A1. after a cashier collects cash paid by a customer, inputting the amount of the change to be continued by a keyboard (206) of the change finding terminal (2), after the amount of the change to be continued is checked by the change finding terminal (2) and the balance amount of a merchant card (3) in the change finding terminal (2) is correct, displaying the amount of the change to be continued and the balance amount of the merchant card (3) to the cashier for checking through a first display screen (204), and after the cashier checks that the amount of the change to be continued is correct, confirming according to a specified key on the keyboard (206);
or,
the cashier inputs the cash amount and the total cash amount paid by the customer into the cash register, the cash register calculates the change amount according to the total cash amount and the cash amount, then the change amount data is transmitted to the change terminal (2), the change terminal (2) receives the change amount data through the communication interface (208), the change amount and the balance amount of the merchant card (3) in the change terminal (2) are checked to be correct, and the change amount and the balance amount of the merchant card (3) are displayed to the cashier for checking through the first display screen (204);
A2. a customer places the change integral reading card (1) on a change integral reading card reader-writer (202) of the continuous terminal (2), and the change integral reading card reader-writer (202) reads the change balance sum in the change integral reading card (1);
A3. the found and renewed terminal (2) adds the found and renewed change amount to the original change balance amount to calculate a new change balance amount, then writes the new change balance amount into the change balance amount record of the change saving and renewing card (1) through the change saving and renewing card reader-writer (202), replaces the original change balance amount record with the new change balance amount, writes the change record into the change saving and renewing card (1), displays the new change balance amount and the found and renewed change amount to the customer on the second display screen (205) for checking, and sends out prompt information through the prompt device (207) to inform the customer that the found and renewed change amount has been stored into the change saving and renewing card (1); the found-in terminal (2) subtracts the found-in change amount from the balance amount of the merchant card (3) to calculate the latest balance amount of the merchant card (3), and writes the latest balance amount into the balance amount record of the merchant card (3) through the merchant card reader-writer (203), replaces the original balance amount record with the latest balance amount, and writes the found-in change record into the merchant card (3); the change record comprises the card number of the change integral card (1) of the customer, the card number of the merchant card (3) of the store, the change amount, the date, the time, the change sequence reference number and other data, and the change record comprises the card number of the change integral card (1) of the customer, the card number of the merchant card (3) of the store, the change amount, the date, the time, the change sequence reference number and other data.
In the change processing and change seeking system of the invention, each change seeking record is attached with a change seeking sequence reference number, each merchant card (3) is provided with an independent change seeking sequence reference number, the change seeking sequence reference number is combined with the card number, time, date and other data, and can be used for tracking each change seeking record, when the merchant card (3) is used for change seeking operation, the merchant card (3) automatically increases the change seeking sequence reference number by 1, if the bank computer center (5) finds that the change seeking record has inconsistent change seeking sequence reference number, time, date and other data, the bank computer center (5) can take action to resist cheating.
With reference to fig. 2, fig. 2 is a schematic explanatory view of the steps of settling the change saving card (1) of the change order system according to the present invention, showing the steps of settling the change saving card (1) by the customer through the change saving settling machine (4), and specifically including the following steps:
B1. a customer places the change integral taking card (1) on a change integral taking card reader-writer (402) of a change integral taking settlement machine (4), and the change integral taking card reader-writer (402) reads the change balance amount record, all change records, card number and other customer settlement data in the change integral taking card (1);
B2. the retail deposit collecting and settling machine (4) transmits the read customer settlement data to the bank computer center (5) to request settlement;
B3. the bank computer center (5) calculates the settlement amount after checking the settlement data of the customer, and transmits the card number, the settlement amount and the matched change record to the change depositing and withdrawing settlement machine (4), and stores the settlement data of the customer as a comparison reference record when the merchant card (3) settles in the future;
B4. after the change integral-fetching settlement machine (4) checks the card number and the settlement amount, the change balance amount of the change integral-fetching card (1) is reset to 0 through the change integral-fetching card reader-writer (402), and all change records stored in the change integral-fetching card (1) are deleted through the change integral-fetching card reader-writer (402);
B5. the retail deposit whole-fetching settlement machine (4) informs the bank computer center (5) that the settlement is successful, then the bank computer center (5) finds out the bank account number of the customer corresponding to the card number from the card number in the settlement data, and transfers the settlement amount in the step B3 to the bank account of the customer.
Referring to fig. 5, fig. 5 is a schematic explanatory diagram of steps of charging the merchant card (3) of the change-finding system of the present invention, and the steps of charging the merchant card (3) are shown in the diagram, and the specific steps are as follows:
C1. the shop principal firstly goes to the bank to give the merchant card (3) and the recharge money to the bank to request recharging, and the bank staff inputs the recharging amount into the bank computer center (5) through a terminal on the counter;
C2. the bank clerk then puts the merchant card (3) on a merchant card reader-writer (403) of a retail deposit collecting and settling machine (4) of the bank counter, and the merchant card reader-writer (403) reads the balance amount record, all change-finding records, card number and other merchant settlement data in the merchant card (3);
C3. the retail deposit collecting and settling machine (4) transmits the read merchant settlement data to the bank computer center (5);
C4. the bank computer center (5) stores the merchant settlement data, and checks the merchant settlement data with the stored customer settlement data, and after the check is correct, the bank computer center (5) informs the retail deposit receipt settlement machine (4) that the settlement is successful, and if the merchant settlement data and the stored customer settlement data have problems, the settlement can be processed as early as possible;
C5. the change integral-taking settlement machine (4) deletes all the continuous change records in the merchant card (3) through the merchant card reader-writer (403), and then informs the bank computer center (5) that the settlement is successful;
C6. after receiving the settlement success information, the bank computer center (5) transmits the data of the recharging amount, the card number, the balance amount and the like in the step C1 to the zero-deposit integral settlement machine (4);
C7. the zero deposit integral settlement machine (4) checks that the data of the recharging amount, the card number, the balance amount and the like are the same as the merchant settlement data read in the step C1, adds the recharging amount to the balance amount to calculate a new balance amount, writes the new balance amount into the balance amount record in the merchant card (3) through the merchant card reader-writer (403), and informs the bank computer center (5) of successful recharging.
If only the merchant card (3) is settled without recharging, only the steps C2 to C5 can be executed, merchant settlement data in the merchant card (3) can be transmitted to a bank computer center (5), in order to encourage a store to take the merchant card (3) to the retail machine (4) for settlement regularly, a specified validity period can be set for the merchant card (3), the validity period of the merchant card (3) can be reset each time the merchant card (3) is taken to the retail machine (4) for settlement or recharging in the validity period, the balance amount in the merchant card (3) can be frozen and can not be used after the validity period of the merchant card (3) is over, the validity period of the merchant card (3) can be reset only after the store transacts the specified procedures to the bank computer center (5), the balance amount in the merchant card (3) can be unfrozen, and the bank computer center (5) can charge some merchant cards (3) with the validity period again And the merchant card (3) is taken to the zero-deposit and integral-taking settlement machine (4) for settlement or recharging in the valid period in order to avoid paying the commission charge by the shop.
Referring to fig. 6, fig. 6 is a schematic illustration diagram of an embodiment of the change processing and order finding system of the present invention with communication devices added, which is a further improvement of the present invention, the change processing and order finding system shown in the figure further includes a communication device (601) located at an order finding terminal (2) and a communication device (602) located at a bank computer center (5), the communication device (601) and the communication device (602) may be wired or wireless communication devices, including network cards, modems, GSM mobile phones, CDMA mobile phones, 3G mobile phones and other communication devices, and are mainly used for transmitting merchant settlement data, and transmitting through wired or wireless communication, in the figure, the communication device (601) and the communication device (602) are connected by dotted lines, which indicates that the communication mode therebetween may be wireless communication or wired communication, and the continuous searching terminal (2) automatically and regularly transmits the merchant settlement data of the merchant card (3) in the continuous searching terminal (2) to the bank computer center (5) for settlement through the communication device (601) and the communication device (602), wherein the merchant settlement data comprises the card number, the balance amount record, all continuous searching change records and other data of the merchant card (3).
In the embodiment of fig. 6, the continuous-searching terminal (2) will automatically and periodically transmit the merchant settlement data of the merchant card (3) in the continuous-searching terminal (2) to the bank computer center (5) through the communication device (601) and the communication device (602), for example, the merchant settlement data can be transmitted to the bank computer center (5) after the shops are closed every night, so that the bank computer center (5) can timely master the continuous-searching change records of each shop every day. Furthermore, the change finding terminal (2) immediately transmits the change finding record to the bank computer center (5) through the communication device (601) and the communication device (602) after each change finding operation, and the bank computer center (5) can immediately master each change finding record.
In the description, the change balance amount record in the change integral card (1) and the balance amount record in the change record and the merchant card (3) are recorded by taking money as a unit of the change balance amount and the balance amount in the card, points can also be adopted as a unit, the money unit is replaced by the point unit, the money is converted into points at an exchange rate or the points are converted into money, when the merchant card (3) is recharged in a store, the store purchases a certain number of points by using the money in a bank, then the bank stores the points purchased by the store into the merchant card (3) of the store for the use when the store is renewed, when the store pays for the change, the change amount of the change continuously found to the customer is converted into the change points by the renewing terminal (2) and stored in the change integral card (1), and when the customer settles the change integral card (1) in the future, the settlement points are converted back into money to be deposited into the customer's bank account. The purpose of the invention can be well realized no matter the change integral card (1) and the merchant card (3) adopt money or points as units to record the found change amount and the balance amount, and the invention belongs to the protection scope of the invention.
The change processing and searching method and system are very simple and convenient, and the implementation of the change processing and searching system can bring good social and economic benefits and is very beneficial to customers and stores.
Claims (10)
1. A method for processing change for use in payment, which comprises the steps of paying the change amount to the customer by the store, deducting the change amount from the balance amount of the merchant card (3) of the store through the payment terminal (2), and adding the change amount to the balance amount in the customer's change storage card (1).
2. The change processing and change seeking method as claimed in claim 1, further comprising the following group a steps, when the customer pays in the store, the cashier of the store deposits the amount of the change sought into the change card (1) of the customer, and the specific steps are as follows:
A1. after a cashier collects cash paid by a customer, inputting the amount of the change to be continued by a keyboard (206) of the change finding terminal (2), after the amount of the change to be continued is checked by the change finding terminal (2) and the balance amount of a merchant card (3) in the change finding terminal (2) is correct, displaying the amount of the change to be continued and the balance amount of the merchant card (3) to the cashier for checking through a first display screen (204), and after the cashier checks that the amount of the change to be continued is correct, confirming according to a specified key on the keyboard (206);
or,
the cashier inputs the cash amount and the total cash amount paid by the customer into the cash register, the cash register calculates the change amount according to the total cash amount and the cash amount, then the change amount data is transmitted to the change terminal (2), the change terminal (2) receives the change amount data through the communication interface (208), the change amount and the balance amount of the merchant card (3) in the change terminal (2) are checked to be correct, and the change amount and the balance amount of the merchant card (3) are displayed to the cashier for checking through the first display screen (204);
A2. a customer places the change integral card (1) on a change integral card reader-writer (202) of the continuous terminal (2), and the change integral card reader-writer (202) reads the change balance amount record and the card number in the change integral card (1);
A3. the found and renewed terminal (2) adds the found and renewed change amount to the original change balance amount to calculate a new change balance amount, then writes the new change balance amount into the change balance amount record of the change saving and renewing card (1) through the change saving and renewing card reader-writer (202), replaces the original change balance amount record with the new change balance amount, writes the change record into the change saving and renewing card (1), displays the new change balance amount and the found and renewed change amount to the customer on the second display screen (205) for checking, and sends out prompt information through the prompt device (207) to inform the customer that the found and renewed change amount has been stored into the change saving and renewing card (1); and the continuous seeking terminal 2) subtracts the continuous seeking change amount from the balance amount of the merchant card 3 to calculate the latest balance amount of the merchant card 3, writes the latest balance amount into the balance amount record of the merchant card 3 through the merchant card reader 203, replaces the original balance amount record with the latest balance amount, and writes the continuous seeking change record into the merchant card 3; the change record comprises the card number of the change integral card (1) of the customer, the card number of the merchant card (3) of the store, the change amount, the date, the time, the change sequence reference number and other data, and the change record comprises the card number of the change integral card (1) of the customer, the card number of the merchant card (3) of the store, the change amount, the date, the time, the change sequence reference number and other data.
3. The change processing continuation method according to claim 1, further comprising the following group B steps, which are steps in which the customer settles the change depositing card (1) by the change depositing and settling machine (4), and the specific steps are as follows:
B1. a customer places the change integral taking card (1) on a change integral taking card reader-writer (402) of a change integral taking settlement machine (4), and the change integral taking card reader-writer (402) reads the change balance amount record, all change records, card number and other customer settlement data in the change integral taking card (1);
B2. the retail deposit collecting and settling machine (4) transmits the read customer settlement data to the bank computer center (5) to request settlement;
B3. the bank computer center (5) calculates the settlement amount after checking the settlement data of the customer, and transmits the card number, the settlement amount and the matched change record to the change depositing and withdrawing settlement machine (4), and stores the settlement data of the customer as a comparison reference record when the merchant card (3) settles in the future;
B4. after the change integral-fetching settlement machine (4) checks the card number and the settlement amount, the change balance amount of the change integral-fetching card (1) is reset to 0 through the change integral-fetching card reader-writer (402), and all change records stored in the change integral-fetching card (1) are deleted through the change integral-fetching card reader-writer (402);
B5. the retail deposit whole-fetching settlement machine (4) informs the bank computer center (5) that the settlement is successful, then the bank computer center (5) finds out the bank account number of the customer corresponding to the card number from the card number in the settlement data, and transfers the settlement amount in the step B3 to the bank account of the customer.
4. The change processing continuation method as claimed in claim 1, further comprising the following group C steps, which are steps of adding value to the merchant card (3), and the specific steps are as follows:
C1. the shop principal firstly goes to the bank to give the merchant card (3) and the recharge money to the bank to request recharging, and the bank staff inputs the recharging amount into the bank computer center (5) through a terminal on the counter;
C2. the bank clerk then puts the merchant card (3) on a merchant card reader-writer (403) of a retail deposit collecting and settling machine (4) of the bank counter, and the merchant card reader-writer (403) reads the balance amount record, all change-finding records, card number and other merchant settlement data in the merchant card (3);
C3. the retail deposit collecting and settling machine (4) transmits the read merchant settlement data to the bank computer center (5);
C4. the bank computer center (5) stores the merchant settlement data, and checks the merchant settlement data with the stored customer settlement data, and after the check is correct, the bank computer center (5) informs the retail deposit receipt settlement machine (4) that the settlement is successful, and if the merchant settlement data and the stored customer settlement data have problems, the settlement can be processed as early as possible;
C5. the change integral-taking settlement machine (4) deletes all the continuous change records in the merchant card (3) through the merchant card reader-writer (403), and then informs the bank computer center (5) that the settlement is successful;
C6. after receiving the settlement success information, the bank computer center (5) transmits the data of the recharging amount, the card number, the balance amount and the like in the step C1 to the zero-deposit integral settlement machine (4);
C7. the zero deposit integral settlement machine (4) checks that the data of the recharging amount, the card number, the balance amount and the like are the same as the merchant settlement data read in the step C1, adds the recharging amount to the balance amount to calculate a new balance amount, writes the new balance amount into the balance amount record in the merchant card (3) through the merchant card reader-writer (403), and informs the bank computer center (5) of successful recharging.
5. A change processing and renewing system for renewing during payment, which adopts the method as claimed in claims 1 to 4, wherein the system comprises a change depositing and withdrawing card (1), a renewing terminal (2), a merchant card (3), a change depositing and withdrawing settlement machine (4) and a bank computer center (5).
6. The change processing and renewing system according to claim 6, wherein said change depositing card (1) is a smart card, an IC card, a contactless smart card, a credit card with a smart card chip, a debit card with a smart card chip, a bank card with a smart card chip, or the like, and said change depositing card (1) stores a unique card number and a change balance amount record and a change deposit record which is entirely stored in said change depositing card (1).
7. The change processing and change processing system as claimed in claim 6, wherein the merchant card (3) is a smart card, an IC card, a contactless smart card, or the like, and the merchant card (3) stores therein a unique card number and a balance amount record and all change processing records of change processing performed by the merchant card (3).
8. The change processing and renewing system according to claim 6, wherein said renewing terminal (2) mainly comprises a controller (201), a change memory card reader/writer (202), a merchant card reader/writer (203), a first display screen (204), a second display screen (205), a keyboard (206), a prompting device (207) and a communication interface (208),
wherein,
the controller (201) is connected with a change integral reading card reader-writer (202), a merchant card reader-writer (203), a first display screen (204), a second display screen (205), a keyboard (206), a prompting device (207), a communication interface (208) and other components, and operates according to a preset program to realize the function of preset change processing and order finding;
the change integral storage card reader-writer (202) is mainly used for reading and writing the change balance amount record and the change deposit record in the change integral storage card (1);
the merchant card reader-writer (203) is mainly used for reading and writing the balance amount record and the change record in the merchant card (3);
the first display screen (204) is mainly used for displaying information to the merchant, and the displayed information comprises the data of the amount of change to find and change, the balance amount of the merchant card (3) and the like;
the second display screen (205) is mainly used for displaying information to customers, and the displayed information comprises the data of the amount of change to be found and renewed, the amount of change balance of the change storage and taking card (1) and the like;
the keyboard (206) is mainly used for the merchant to input the change amount;
the prompting device (207) is mainly used for sending out prompting information, wherein the prompting information comprises different operating state information represented by different sounds or signal lamps;
the communication interface (208) is mainly used for connecting a cash register of a shop, and the cash register transmits the change amount data to the change terminal (2) through the communication interface (208) so as to replace a merchant to input the change amount on the keyboard (206).
9. The change processing and continuous payment system as claimed in claim 6, wherein the main structure of the change deposit receipt settlement machine (4) comprises a controller (401), a change deposit receipt card reader/writer (402), a merchant card reader/writer (403), a display screen (404) and a prompting device (405), the change deposit receipt settlement machine (4) is in electrical communication with the bank computer center (5) and is mainly used for change continuous payment work of the change deposit receipt card (1) and recharging work of the merchant card (3),
wherein,
the controller (401) is connected with the part such as the change integral storage card reader-writer (402), the merchant card reader-writer (403), the display screen (404) and the prompting device (405), and operates according to a preset program to realize the change continuous settlement function of the preset processing change integral storage card (1) and the recharging function of the merchant card (3);
the change integral storage card reader-writer (402) is mainly used for reading and writing the change balance amount record and the change deposit record in the change integral storage card (1);
the merchant card reader-writer (403) is mainly used for reading and writing the balance amount record and the change record in the merchant card (3);
the display screen (404) is mainly used for displaying information, and the displayed information comprises the data of the balance amount of the change stored in the whole card (1), the record of the change stored in the card, and the like, and the data of the balance amount, the record of the change finding, the charge amount, and the like of the merchant card (3);
the prompting device (405) is mainly used for sending out prompting information, and the prompting information comprises different operation state information represented by different sounds or signal lamps.
10. The change processing and renewing system according to claim 6, further comprising a communication means (601) at the renewing terminal (2) and a communication means (602) at the bank computer center (5), the communication device (601) and the communication device (602) can be wired or wireless communication devices, including network card, modem, GSM mobile phone, CDMA mobile phone, 3G mobile phone and other communication devices, mainly used for transmitting merchant settlement data, and, the searching terminal (2) will automatically and periodically search the merchant settlement data of the merchant card (3) in the searching terminal (2), the settlement is transmitted to a bank computer center (5) through a communication device (601) and a communication device (602) for settlement, the merchant settlement data comprises the card number of the merchant card (3), the balance amount record, all the change-seeking records and other data.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100743589A CN101303786A (en) | 2007-05-11 | 2007-05-11 | Method and system for processing give of small change using small-change-storing integration-fetching mode |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100743589A CN101303786A (en) | 2007-05-11 | 2007-05-11 | Method and system for processing give of small change using small-change-storing integration-fetching mode |
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| Publication Number | Publication Date |
|---|---|
| CN101303786A true CN101303786A (en) | 2008-11-12 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007100743589A Pending CN101303786A (en) | 2007-05-11 | 2007-05-11 | Method and system for processing give of small change using small-change-storing integration-fetching mode |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103456106A (en) * | 2012-05-31 | 2013-12-18 | 苏州萃智新技术开发有限公司 | Supermarket expense card and system thereof |
| CN103577980A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Wireless payment change returning system and corresponding method |
| CN107590899A (en) * | 2017-08-24 | 2018-01-16 | 广州畅阳电子科技有限公司 | A kind of apparatus and method that cash change is accessed by mobile payment |
| CN109191657A (en) * | 2018-07-09 | 2019-01-11 | 阿里巴巴集团控股有限公司 | A kind of change exchanging method, device, server |
-
2007
- 2007-05-11 CN CNA2007100743589A patent/CN101303786A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103456106A (en) * | 2012-05-31 | 2013-12-18 | 苏州萃智新技术开发有限公司 | Supermarket expense card and system thereof |
| CN103577980A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Wireless payment change returning system and corresponding method |
| CN107590899A (en) * | 2017-08-24 | 2018-01-16 | 广州畅阳电子科技有限公司 | A kind of apparatus and method that cash change is accessed by mobile payment |
| CN109191657A (en) * | 2018-07-09 | 2019-01-11 | 阿里巴巴集团控股有限公司 | A kind of change exchanging method, device, server |
| CN109191657B (en) * | 2018-07-09 | 2020-07-03 | 阿里巴巴集团控股有限公司 | Change exchange method, device and server |
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Open date: 20081112 |