EP0779601A2 - Procédé de paiement du rechargement d'une machine à affranchir et arrangement pour le fonctionnement d'un centre serveur - Google Patents

Procédé de paiement du rechargement d'une machine à affranchir et arrangement pour le fonctionnement d'un centre serveur Download PDF

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Publication number
EP0779601A2
EP0779601A2 EP96250276A EP96250276A EP0779601A2 EP 0779601 A2 EP0779601 A2 EP 0779601A2 EP 96250276 A EP96250276 A EP 96250276A EP 96250276 A EP96250276 A EP 96250276A EP 0779601 A2 EP0779601 A2 EP 0779601A2
Authority
EP
European Patent Office
Prior art keywords
credit
credit card
data center
bank
franking machine
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
EP96250276A
Other languages
German (de)
English (en)
Other versions
EP0779601A3 (fr
EP0779601B1 (fr
Inventor
Georg G. Gelfer
Margaret Plett
Jakob Zimmermann
Enno Bischoff
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Francotyp Postalia GmbH
Original Assignee
Francotyp Postalia GmbH
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Francotyp Postalia GmbH filed Critical Francotyp Postalia GmbH
Publication of EP0779601A2 publication Critical patent/EP0779601A2/fr
Publication of EP0779601A3 publication Critical patent/EP0779601A3/fr
Application granted granted Critical
Publication of EP0779601B1 publication Critical patent/EP0779601B1/fr
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B17/00—Franking apparatus
    • G07B17/00185—Details internally of apparatus in a franking system, e.g. franking machine at customer or apparatus at post office
    • G07B17/00435—Details specific to central, non-customer apparatus, e.g. servers at post office or vendor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B17/00—Franking apparatus
    • G07B17/00016—Relations between apparatus, e.g. franking machine at customer or apparatus at post office, in a franking system
    • G07B17/0008—Communication details outside or between apparatus
    • G07B2017/00153—Communication details outside or between apparatus for sending information
    • G07B2017/00161—Communication details outside or between apparatus for sending information from a central, non-user location, e.g. for updating rates or software, or for refilling funds
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B17/00—Franking apparatus
    • G07B17/00016—Relations between apparatus, e.g. franking machine at customer or apparatus at post office, in a franking system
    • G07B17/0008—Communication details outside or between apparatus
    • G07B2017/00153—Communication details outside or between apparatus for sending information
    • G07B2017/00169—Communication details outside or between apparatus for sending information from a franking apparatus, e.g. for verifying accounting

Definitions

  • the invention relates to a method for paying the post-accreditation of an electronic franking machine according to the type specified in the preamble of claim 1 or 4, 6 or 18 and an arrangement for operating a data center according to the type specified in the preamble of claim 10 for the provision and provision of special Services according to a customer order.
  • This procedure improves the payment of post-accreditation for users of franking machines by involving a credit card institute.
  • a franking machine generally creates an imprint in a form agreed with the post right-aligned, parallel to the upper edge of the mail item, starting with the content of the postage in the postmark, the date in the day stamp and stamp imprints for the advertising slogan and, if applicable, the type of shipment in the election print stamp.
  • the post value, the date and the type of shipment form the variable information to be entered according to the item.
  • the postage value is usually the transport fee paid in advance by the sender, which is taken from a refillable credit register and used to clear the mail item.
  • a reloading or crediting of a franking machine has already been associated with an automatic signal transmission from the franking machine to the data center whenever a predetermined sum of funds that has been franked or the number of processed mail pieces or a predetermined time period has been reached.
  • a signal corresponding to the sum of funds, number of pieces or time period can be transmitted.
  • Communication takes place by means of binary signals via converters connected to one another via a telephone line. The machine receives an equally secured reload in accordance with the credit balance and blocks if no credit is replenished.
  • the customer support service warned if the credit is not available. It is intended to display a time reference in the data center for the reduction in the amount of the authorized amount stored in the register. If necessary, the data center modifies the desired franking amount up to which franking can be carried out by means of corresponding authorization signals. It is also envisaged to carry out the transactions outside of peak load times, preferably at night, when the aforementioned presettable threshold value has been reached in the course of the previous period. However, use cases are quite conceivable where the amount of mail to be franked fluctuates (seasonal operation) and cannot be estimated in advance.
  • identification cards such as credit cards (pay later) and such as debit cards (pay now) or prepaid cards (pre-paid) are used worldwide.
  • identification cards such as credit cards (pay later) and such as debit cards (pay now) or prepaid cards (pre-paid) are used worldwide.
  • a service issuing system known from DE 36 28 253 A1 has a prepaid card read / write unit which is a component of an electronic storage and control device.
  • Anonymous prepaid cards are suitable for the payment of small amounts of money (telephone card), but are not yet approved by the banks for the payment of larger amounts until the necessary counterfeit security can not be proven.
  • the task was to solve the disadvantages of the prior art and to create the technical prerequisites for a further payment option with regard to the reloading of franking machines without increasing the hardware expenditure on the franking machine side.
  • Another object is to arrange means in the data center in order to carry out a franking machine-specific credit card method also for standard franking machines.
  • the franking machine can be switched to a corresponding mode for the purpose of reloading.
  • the franking machine communicates with a data center, data being entered into the franking machine and the franking machine being switchable to either a communication mode or a credit request mode.
  • connection is established from the franking machine to the data center and then the data center carries out a plausibility check of the franking machine data and franking machine register values entered.
  • the lending process is started by the data center if the credit card number has been entered in the franking machine.
  • the data center establishes a connection to the credit card institute in order to have the credit card institute check the customer's credit card status and, when authorized by the credit card institute, then send an approval message to the data center.
  • the data center then carries out the reloading process in the franking machine with a credited credit amount.
  • the credit card institute also authorizes a money transfer from the customer's bank directly to the postal carrier's or the postal authority's bank or indirectly via an intermediary bank that has an electronic communication link to the data center. If the data line to the credit card institute is busy, the data center re-establishes the connection, with a limited number of attempts being permitted to establish the connection. After an unsuccessful repetition, it can be canceled. The franking machine can then alternatively be reloaded via the data center with a prepaid credit if the aforementioned intermediary bank, which has an electronic communication link to the data center, delivers corresponding customer account information about the prepaid credit to the data center.
  • an arrangement for operating a data center has a database with register entries for the provision and provision of special services in accordance with a customer order.
  • the data center provides storage space in the database for sub-registers which are assigned to two special accounts of the franking machine user. It is provided that a credit from a first bank (customer bank) or from the franking machine user is transferred directly to an associated first bank account at a specially commissioned second bank or financial institution that is communicatively coupled to the data center, and a credit in the special first sub-register of the in accordance with the prepaid amount Data center is managed and that, according to the invention, a special second sub-register is kept in the data center for the use of credit.
  • the data center will commissioned by the customer to provide a corresponding service for the reloading or re-accreditation of his franking machine, if necessary to transfer the money in a predetermined manner to the account with a third bank specially commissioned by the postal carrier or to the account with the bank of the regional post office to pay for the service of the postal carrier.
  • the franking amount is debited from the credit stored electronically in the postal register (descending register) (remaining amount).
  • the proper booking and reloading or crediting will be checked by a data center as soon as a communication connection to the data center is established.
  • the user enters an identification number (PIN) into the franking machine via a keyboard, which identifies the franking machine at the data center.
  • PIN identification number
  • the data center Based on a temporary communication connection between the commissioned credit card institute CPC (Credit Card Processing Center) and the data center and based on an associated transmission device and the management of another customer account for payment with the aforementioned special second sub-register at the credit card institute, the data center provides the service for which it was commissioned by the customer.
  • CPC Clear Card Processing Center
  • the advantage of the new method is that the customer does not have to plan the next remote value specification in advance and does not necessarily have to provide money on the special first account accordingly. Since, in contrast to a money transfer, no period of several hours to a few days has to pass because no money from Customer account of the credit card institute is transferred to a special account in the data center, but because the loan is immediately available, there is another advantage in the time gain. Another associated advantage is the financial gain, since there is no loss of interest if only the currently required credit needs to be provided as a loan. This profit is only reduced by possible additional costs through an increased service fee with which this service is paid. In principle, the debit of the bank account at the customer bank by the credit card institute and transfer of the credit to the account of the mail carrier can take place according to the remote value specification, ie after the franking machine has been reloaded.
  • user-specific information transmitted to the data center already forms a secure basis for storing the stored credit consumption data. or check credit reload data for their plausibility and to trigger appropriate data processing processes in the data center.
  • This user-specific information comprises at least the identification number (PIN) and the values in the postal registers, for example about the credit consumption and the remaining amount of the franking machine.
  • the user-specific information can additionally include information about the type of payment, which is entered directly after the identification number (PIN) on the keyboard of the franking machine.
  • the information about the payment type includes, for example, the credit card number and the expiry date of the credit card and, if applicable, the information about the name of the commissioned credit card institute if the data center works with several credit card institutes.
  • the franking machine automatically establishes the communication link to the data center after the user input has been completed in order to transmit the user-specific information.
  • the data center then automatically transmits information to the credit card institute if a credit card number has been entered and waits for approval if the credit card institute is currently unavailable or retry communication with the credit card institute if the connection is interrupted and the unsuccessful Communication attempts, whereby the credit request is deleted in the specific register VGW of the data center if the connection is not established after a predetermined number of attempts.
  • the user-specific information transmitted by the franking machine only includes the identification number (PIN) and the values in the postal registers, and that the information about the type of payment, which was transmitted in a previous separate communication together with the default request to the data center, as an order in the form of an order code associated with the identification number (PIN) or customer name in the database of the data center until a different order is placed.
  • PIN identification number
  • the information about the type of payment which was transmitted in a previous separate communication together with the default request to the data center, as an order in the form of an order code associated with the identification number (PIN) or customer name in the database of the data center until a different order is placed.
  • the user-specific information likewise only includes the identification number (PIN) and the values in the postal registers. Information about the type of payment is transmitted to the data center in a separate communication beforehand.
  • Such information about the type of payment which is transmitted when entering or in the course of communication with the data center or separately therefrom, switches the necessary data processing and storage capacity accordingly in the data center in order to process the aforementioned information.
  • FIG. 1 shows a preferred service and data processing system of the data center 50 for reloading a franking machine 40 and for paying for the mail carrier, which is included in the delivery a franking machine 40 is in communication connection.
  • the funds required for reloading are deposited by the first bank 10 (customer bank) commissioned by the user of the franking machine or by the user of the franking machine directly into an account in a commissioned second bank 20 (for example the USPS-Lockbox Bank in the USA or Postbank in Germany or the bank of the private mail carrier or corresponding banks in other countries) and when the credit is called up by the data center from the commissioned second bank 20 to the third bank 30 (for example in the USA the Federal Reserve Bank or bank of the private mail carrier or a corresponding bank in another country), which maintains the account of the mail carrier.
  • the first bank 10 customer bank
  • a commissioned second bank 20 for example the USPS-Lockbox Bank in the USA or Postbank in Germany or the bank of the private mail carrier or corresponding banks
  • the cash balance is called up periodically in the form of a collective transfer to the account of the mail carrier in the third bank 30 if there is customer billing information transmitted from the data center 50 to the second bank 20.
  • customer billing information is created regularly when a reloading requirement for reloading a customer's franking machine has been met by the data center 50.
  • the remaining amount R1 can be queried and statistically evaluated in the data center.
  • such a franking machine is equipped with a specially expanded program which enables the user of the franking machine to enter the required user-specific information about the type of payment in addition to the identification number (PIN).
  • PIN identification number
  • FIG. 2 shows a service and data processing system of the data center which has been expanded in accordance with the invention for reloading a franking machine and for paying the mail carrier, the data processing system of the data center being in communication connection on the one hand with at least one franking machine and on the other hand in communication connection with a bank or a credit card institute (electronic bank connection) .
  • This service and data processing system of the data center 50 uses the services of a credit card institute 60 to reload a franking machine 40.
  • a credit card institute 60 is, for example, a credit card processing center (CPC), which is operated by the Users of the first bank 10 (customer bank) commissioned with the franking machine make a debit from the customer account in accordance with the credit used to reload the franking machine with the necessary funds.
  • CPC credit card processing center
  • a credit card processing center (CPC) at Citybank, Eurocard or American Express can be equipped with the necessary data processing and communication technology for electronic connection to the data center. The assignment of the essential steps 1 to 8 to specific communication connections can be seen in FIG. 2.
  • the payment option - already explained in FIG. 1 - is also retained.
  • the funds required for reloading are deposited by the first bank 10 (customer bank) commissioned by the user of the franking machine or by the user of the franking machine directly into an account in a commissioned second bank 20 (for example in the USA the USPS lockbox bank or a corresponding one Bank in another country) and transferred when the credit is retrieved by the data center from the commissioned second bank 20 to the third bank 30 (for example in the United States Federal Reserve Bank or a corresponding bank in another country) which maintains the account of the mail carrier .
  • the credit is called up by customer billing information transmitted from the data center 50 to the second bank 20 if a reloading requirement is met.
  • the franking machine comes into a - in connection with a method for improving the security of franking machines under the US application - Number 08/346 909 (EP 660 269 A2) - communication mode to reload the franking machine with a credit according to the service variant shown in FIG. 1.
  • a prerequisite is, however, a data center that has an electronic communication link to bank 20, which manages the customers' accounts for mail transport, collects the transferred amounts of money and periodically transfers these collected amounts of money for a number of customers to the third bank 30, which is an account of the Postal authority or the mail carrier leads.
  • Customer account information is transmitted from bank 20 via the electronic communication link to data center 50 at a suitable time (preferably in the morning).
  • the data center 50 receives up-to-date information on the amount in the account for all customers involved available prepaid amount of money up to which a maximum credit can be reloaded into the franking machine 40 by remote value specification.
  • the response to the data center usually takes 30-60 seconds. No account is maintained in the data center and no transfer of funds from the credit card institute CPC to the account managed in the data center is caused. Rather, depending on the response, either the request of the service customer, the requested new credit request in a special second sub-register in the data center continues to be temporarily stored or accumulated, or deleted:
  • step 3 If the connection has only been interrupted, a branching path k) is first followed and branched back to step 3:
  • FIG. 6 shows an arrangement for the credit request in the data center.
  • At least one host computer 51 is arranged in the data center 50 and has a stored database 52 and a program 53 for the credit request, which has a coupling to at least one programmable input / output device for carrying out communication via a communication link with the franking machines and for carrying out communication via a communication link with the banks or money / credit institutions to pay for the reloading of franking machines with a credit which can optionally be prepaid or postpaid.
  • the storage units 52 and 53 are formed in a hard disk or that a first hard disk is provided as the storage unit 52 and a second hard disk as the storage unit 53.
  • the arrangement for carrying out the method and for operating a data center has storage space in the abovementioned database for register entries for the provision and provision of special services in accordance with a customer order, to which a franking machine or a customer service representative (hereinafter referred to as TDC operator) accesses for entering the customer order .
  • TDC operator customer service representative
  • the database 52 which is preferably stored on a hard disk, and a program 53 for the credit request, which is also stored on a hard disk, form, together with the programmable input / output device 54, a first service unit which, on the one hand, via communication connections 59 with the franking machines and, on the other hand, with at least an operator terminal 55 is connected.
  • a second service unit consists of a second programmable input / output device 56, which on the one hand via a transmission device 501, 502 with the host search 51 and on the other hand via a transmission device 503, 57, 504 with a bank terminal (not shown) or the bank personal computer in the credit bank or credit institution is coupled.
  • the second programmable I / O device will have access to the database 52 to contact and send information to the credit card institute CPC to verify the billing status and receive approval of the proper credit card status (steps 3 and 4) and if necessary Submit listed information about successful credit requests (step 6).
  • a printer can be coupled to the host computer 51 in order to print out the lists.
  • alternative data carriers CD-ROM, floppy disks, etc. can be written with the aforementioned data in order to store them.
  • the data center provides in the database 52 storage space for two special sub-registers assigned to the accounts of the franking machine user in order to make a corresponding booking. It is provided that a credit from a first bank (customer bank) or from the franking machine user directly into one the corresponding first bank account is transferred to a specially commissioned second bank or financial institution that is communicatively coupled to the data center and a credit is kept in the special first sub-register of the data center in accordance with the prepaid amount, and according to the invention a special second sub-register is kept in the data center for booking the use of credits becomes.
  • the first programmable input / output device has access to the database 52 so that the data center can be commissioned by the customer to provide an appropriate service for the reloading or subsequent accreditation of his franking machine, if necessary, to the account at to have the money transferred in a predetermined manner to a third bank specially commissioned by the postal carrier or to the account with the bank of the regional postal authority in order to pay for the service of the postal carrier.
  • FIG. 7 shows the memory areas required, which must be made available in the database 52 in order to enable the register or bookkeeping to be revised for the service provided.
  • VGW is registered together with an order date and the desired specification request for future reloading with the reload value NLW or the desired credit value for future reloading.
  • a reload value is only entered when the reload or reset process is carried out (step 5).
  • a register value R1 is then updated by taking the sum of the sub-ester values R1a (prepaid value) and R1b (credit).
  • further memory areas are made available in the database 52 in order to enable the register or accounting to be revised about the service provided.
  • the PIN the name of the franking machine user, an order code together with an order date and the desired default value for future reloading, the desired default value for future reloading is registered.
  • a second variant, shown in FIG. 4, of a schedule for the credit inquiry is based on a cost-effective implementation by using a Quick Pro system standardized for electronic bank details with an external TDC-CPC computer.
  • the coupling to the database 52 in the host computer 51 is established via an operator terminal of the first or the second programmable input / output device.
  • This method is also independent of the type of franking machine, i.e. no new software version is necessary for the franking machine.
  • This method is analogous to the method described in a third variant, but a customer can only have the remote value specification based on credit cards carried out depending on the TDC operator.
  • the disadvantage that a TDC operator is involved in this remote reloading process and thus there are "human" sources of error is offset by a more cost-effective implementation and pleasant human-to-human communication.
  • a plausibility check is carried out, whereby the transmitted PIN and also the transmitted register values are checked in the data center.
  • the system determines the customer name, for example, and also determines from the entry in the special first sub-register that there is no or insufficient credit on the special first credit account and then checks whether the current customer is a credit card user . If the customer also has a credit account in addition to the credit account, the order will continue. Otherwise the communication is interrupted with an error message from the data center.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
EP96250276A 1995-12-14 1996-12-04 Procédé de paiement du rechargement d'une machine à affranchir Expired - Lifetime EP0779601B1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US08/572,615 US5729460A (en) 1995-12-14 1995-12-14 Method for payment of the recrediting of an electronic postage meter and arrangement for the operation of a data central
US572615 2000-05-17

Publications (3)

Publication Number Publication Date
EP0779601A2 true EP0779601A2 (fr) 1997-06-18
EP0779601A3 EP0779601A3 (fr) 2000-05-17
EP0779601B1 EP0779601B1 (fr) 2003-12-17

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EP96250276A Expired - Lifetime EP0779601B1 (fr) 1995-12-14 1996-12-04 Procédé de paiement du rechargement d'une machine à affranchir

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US (1) US5729460A (fr)
EP (1) EP0779601B1 (fr)
DE (1) DE59610870D1 (fr)

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DE59610870D1 (de) 2004-01-29
EP0779601B1 (fr) 2003-12-17
US5729460A (en) 1998-03-17

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