Indwelling charge-type financial card pay shielding apparatus, consuming machine and application method

Abstract

The invention relates to self-consumption device field based on financial car payment, and discloses an indwelling charge-type financial card pay shielding apparatus, a consuming machine and an application method, wherein the consuming machine in which the apparatus is mounted comprises a financial card charge module, a financial card read groove cavity and a consuming amount measuring unit, and the consuming machine also comprises a financial card shielding module and a shielding movement trigger module. In this way, the indwelling charge-type mode with financial card shielding protection provides technical basic for refined on-time charging with accuracy when consumption starts; through identity features of a consumer or an important component of the consuming machine, the financial card starts a trigger related object for shielding and releasing; and the storage and the release of the financial card and the consuming machine are mutually locked and restrained, thus acquiring simple and accurate self-help measuring charge and preventing the important component of the consuming machine from being lost.

Description

technical field [0001] The invention relates to the application field of financial card consumption in a broad sense, in particular to a payment shielding device, a consumption machine and an application method of an indwelling deduction type financial card payment. Background technique [0002] With the development of technology and the progress of the era, more and more payment modes are made by using financial cards instead of banknotes and cash, and even some consumptions only accept payment by financial cards. The application of financial cards can bring many benefits such as environmental protection improvement, reduction of counterfeit banknote risks, reduction of manual counting costs, convenience of financial statistics, adaptation to self-service consumption, etc. Therefore, the application of financial cards has become inseparable from modern life. [0003] As is well known in the industry, financial cards in a broad sense include stored-value cards, credit cards,...

AI Technical Summary

Problems solved by technology

For this self-service cleaning machine, the following problems are still derived. The taking and returning of the high-pressure nozzle (water gun) of the self-service cleaning equipment of the current technology is not related to whether the payment is made by the financial card. Due to everyone's self-consciousness, in practical applications, there are often phenomena such as irregular storage and loss of nozzles, which cause inconvenience in subsequent use

[0011] The above-mentioned problems have plagued people in the industry. In order to solve or partially solve such problems, the invention "Bank Charge Meter System and Parking Billing and Payment Method" with the patent application number of 200710077254.3 discloses a technical solution: it adopts a consumer machine (meter) Real-time communication mode with the bank’s background database, the initial deduction and supplementary deduction are carried out in the bank’s background. The cost of system construction and maintenance is increased, and frequent remote communication also increases the operating cost during use, while remote communication will definitely prolong the response time and reduce the reliability of use, and the disturbance caused by occasional interruption of communication during the parking process will interfere with the normal law enforcement of the traffic management department Judgment, user experience is not good

[0012] The patent application number is: 201010559100.X's invention "A Parking Meter" discloses a meter that can provide a power socket for charging. The method of swiping the card to checkout, this scheme, if the car leaves without paying the toll when simply parking, unless the patrolling traffic police happens to be present, it is impossible to judge whether it is a violation and deal with it. If it has escaped, the subsequent processing will face evidence collection and so on A series of problems, if parking while charging, the loss of the owner will be even greater, which will damage the rights and interests of the owner of the consumer machine; at the same time, the necessary and sufficient condition for the implementation of the charging function of this technical solution superimposed outside the traditional parking meter is that it needs to be In addition, the addition of mains access and wired or wireless communication modules with the outside world will lead to increased implementation costs and poor user experience. It is a natural requirement to park the car next to the charging column when charging the car. , does not need to be understood separately as parking and additional charges for it

[0013] In fact, it is well known in the industry that the best application mode of financial cards is the online authorized payment of large amount (more than a few hundred yuan at a time) and the offline payment mode of small amount of electronic cash due to multiple factors such as comprehensive implementation of security and convenience of use. The consumption amount of about ten yuan, tens of yuan or even more than one hundred yuan is very suitable for the scope of electronic cash offline payment, such as self-service car washing, meter parking, public self-service charging, etc. It belongs to the time-consuming and metered consumption type of QuickPass. There are major shortcomings in the current technical solutions. The user experience of using related consumption machines is not good, and the real consumption amount cannot be calculated reasonably and accurately, and the legitimate rights and interests of consumers cannot be protected. , cannot ensure the safety of important components for self-service consumption, is not conducive to the principle of encouraging resource conservation, and is not conducive to the promotion and application of new technologies and new products

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