CN101794422A - Method and system for carrying out issuing, selling and fund supervision of consumer card by third party - Google Patents
Method and system for carrying out issuing, selling and fund supervision of consumer card by third party Download PDFInfo
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- CN101794422A CN101794422A CN200910258546A CN200910258546A CN101794422A CN 101794422 A CN101794422 A CN 101794422A CN 200910258546 A CN200910258546 A CN 200910258546A CN 200910258546 A CN200910258546 A CN 200910258546A CN 101794422 A CN101794422 A CN 101794422A
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Abstract
The invention discloses a method for carrying out issuing, selling and fund supervision of a consumer card by a third party, which comprises the steps of issuing by a third party, a selling channel by the third party and supervising merchants and customers by the third party, wherein a third card issuing party is acted by the merchants to issue and sell consumer cards; the consumer cards are sold to the customers through the third party selling channel; a third supervision party supervises the funds of the consumer cards of the third card issuing party; and the consumers can go for the merchants with the consumers cards to consume.
Description
Technical field
The present invention relates to consumption card, mainly is a kind of third party's distribution, sale of consumption card, the method and system of fund supervision.
Background technology
Businessman is for sales promotion at present, and often oneself issues various consumption cards, and for example purchase card, promotional card, Gift Card etc. attract clients and buy and consumption.But the consumption card of its distribution etc. has obvious defects in practice: the first, owing to be assurance with businessman self credit only, if great loss even bankruptcy appear in businessman in operation, then the client buys these consumption cards if also not consumed then to become utterly worthless, suffers a loss.The second, this class card is just sold by the marketing channel of oneself, and the client is limited in scope, and it is also higher that cost is promoted in marketing.
Summary of the invention
The purpose of this invention is to provide a kind of third party's distribution, sale of consumption card, the method and system of fund supervision.By adopting the mode of third party's hair fastener, third party's marketing channel, third party's supervision, the credit grade of consumption card is promoted, the client uses the security of consumption card to improve, simultaneously, third party's marketing channel is mainly selected main flow marketing channels such as supermarket, department stores for use, and by setting up the sub-category display displaying of consumption card special counter to attract clients, this has greatly widened the marketing channel of consumption card, enlarged client's scope of businessman, solved the deficiency that existing consumption card exists preferably in practice.
Realize that method of the present invention is: described method comprises
Third party's hair fastener, third party's channel sales, third party's supervision, businessman and client; Wherein: the third party card issuer is subjected to businessman's agency by agreement distribution and sells consumption card, by third party's marketing channel consumption card is sold to the client, and third party's monitoring party is supervised third party card issuer's consumption card fund, and the client holds consumption and snaps into businessman's consumption.
This method also comprises:
Described third party's monitoring party comprises financial institutions such as bank or Unionpay.
Described third party card issuer is meant the third company outside the businessman, acts on behalf of the distribution and the sale of consumption card by it.
Described third party card issuer can be several businessman's distribution and sale consumption card simultaneously, but consumption card can only use in the businessman that entrusts this consumption card of distribution, if there are several businessmans to reach a kind of consumption card of the common use of agreement, then this consumption card of third party card issuer distribution also can be general in these several businessmans.
Realize that system of the present invention is: comprise consumption card, card-reading apparatus, server, network, fund supervisory computers and the system manage ment computer of magnetic card or IC-card, wherein consumption card connects fund supervisory computers and system manage ment computer by card-reading apparatus, network, server.
The beneficial effect that the present invention has:
1. businessman is by entrusting third party's distribution, selling consumption card, efficient height not only, and cost reduces, and has widened market channel.
2. consumption card is mainly sold by main flow marketing channels such as supermarket, department stores by third party's marketing channel, shows that by the sales counter display being convenient to the client chooses, and has greatly enlarged client's scope, has promoted client's purchase intention.
3. carry out the fund supervision by the third party, guaranteed clients fund safety.Under agreed terms, can move back card, the amount of money of not consumed in the consumption card is returned the client.
4. control the hair fastener scale.Owing to have only the consumer to consume, businessman can receive that just the third party separates the fund of paying, and therefore can stop the phenomenon that businessman distributes card indiscriminately fully.
Description of drawings
Fig. 1, Fig. 5, Fig. 6, Fig. 8 are hair fastener block diagrams of the present invention.
Fig. 2, Fig. 7, Fig. 9 are consumption block diagrams of the present invention.
Fig. 3, Fig. 4 are cash flow block diagrams of the present invention.
Figure 10, Figure 11 are an embodiment block diagram.
Embodiment
The invention will be further described below in conjunction with accompanying drawing:
As shown in Figure 1 and Figure 2, the whole flow process of consumption card is divided into two stages:
One, the hair fastener stage
S101, businessman 101 subscribe to the agreement with third party card issuer 102, entrust third party card issuer 102 to act on behalf of businessman's 101 distribution and sale consumption card.
S102, third party card issuer 102 subscribe to the agreement with third party's monitoring party 103, and open the supervision account in appointed bank.The income that third party card issuer 102 sells consumption card all enters the supervision account, is supervised by the fund in 103 pairs of supervision of third party's monitoring party account.
S103, third party card issuer 102 is responsible for selecting suitable third party's marketing channel 104,104 subscribes to the agreement and sells consumption cards by this channel 104 with it.Third party card issuer 102 distribution consumption cards, and enter third party's marketing channel 104 and sell.
S104, third party's marketing channel 104 are sold consumption card and are given client 105.
S105, after third party's marketing channel 104 has been sold consumption card and has been given client 105, sales revenue will be paid in third party card issuer 102 the supervision account.
The marketing expenses of S106, third party's marketing channel 104 by its 104 with third party card issuer 102 agreement agreement.Can in the sales revenue of consumption card, deduct, or pay separately by third party card issuer 102.After the sales revenue of consumption card arrived third party card issuer 102 supervision account, according to agreement, third party card issuer 102 gave third party card issuer 102 own the distribution and the marketing expenses of payment consumption card, and the payment oversight costs is given third party's monitoring party 103.
S107, client 105 just can use consumption card specifying businessman 101 to consume after buying consumption card.
Two, consumer phase
S201, client 105 use consumption card to consume in businessman 101.All the corresponding consumption amount of money can be deducted in client 105 consumption card account during each consumption, till the amount of money in the consumption card account exhausts.
S202, when client 105 uses consumption cards to consume, information of its 105 consumption will be notified third party's monitoring party 103 and third party card issuer 102 by communication network.
To send instructions to third party card issuer 102 after S203, third party's monitoring party 103 are examined, give businessman 101 according in the supervision account, separating pair corresponding fund in consumption amount of money ratio with the agreement of businessman 101 by third party card issuer 102.
Illustrate:
Consumption card: refer to tangible card, as magnetic card, IC-card etc., the client can use consumption card to carry out various consume activities after buying consumption card, for example does shopping, travelling, body-building, study etc.Consumption card can be signed, also can be uninscribed.Consumption card can access to your password, also can be without password.
Businessman: refer to the various companies that carry out business activity.For example bookstore, florist's shop, refuelling station, food and drink company, market, laundry, travel agency, training organization, body-building club, club etc.
Third party card issuer: be a tame commercial company.According to and businessman between agreement, the third party card issuer accepts the agency by agreement businessman distribution of businessman and sells consumption card.The client just can consume in this businessman with consumption card after buying consumption card, and the amount of money in consumption card is finished using.
Third party's monitoring party: be generally financial institutions such as bank, Unionpay.According to and the third party card issuer between agreement, the income that the third party card issuer sells consumption card all enters the supervision account, by third party's monitoring party the fund that the third party card issuer supervises in the account is supervised.After the client uses consumption card to consume, third party's monitoring party will be according to client's the consumption amount of money, send instructions and notify the third party card issuer to separate pair corresponding fund to Merchant Account in consumption amount of money ratio, and separate distribution and the marketing expenses of paying consumption card according to agreement in consumption amount of money ratio simultaneously and give the third party card issuer according to agreement.
Third party's marketing channel: the channel that refers to the sale consumption card except that the marketing channel of businessman own, be generally tangible commercial channel, mainly choose main flow marketing channels such as supermarket, department stores, and attract clients by setting up the sub-category display of consumption card special counter to show.Also can adopt internet, the large-scale existing customer of company network invisible channels such as (as the customer network of airline, the customer networks of bank etc.) as marketing channel.
Client: refer to buy the client that consumption card is consumed.The client comprises individual, company, group, government bodies etc.Its consumption pattern can be varied, for example shopping, food and drink, automobile fuel filler, laundry, study, body-building, tourism etc.
Communication network: adopt network (as modes such as internet, special line, wireless networks) to be connected between businessman, third party card issuer, third party's monitoring party, the third party's marketing channel and carry out communication, the large-scale existing customer of company network invisible channels such as (as the customer network of airline, the customer networks of bank etc.) is as marketing channel.When the client uses consumption card consumption in businessman, will be from its consumption amount of money of deduction in the consumption card account, its consumption amount information will be notified third party's monitoring party and third party card issuer by communication network, the third party card issuer examines the back and separates in consumption amount of money ratio according to agreement and pay corresponding fund to Merchant Account obtaining third party's monitoring party, and separates distribution and the marketing expenses of paying consumption card according to agreement in consumption amount of money ratio simultaneously and give the third party card issuer.
The cash flow of consumption card distribution, consumer phase is as shown in Figure 3, Figure 4:
One, the hair fastener stage:
When S301, client 105 bought consumption card at third party's marketing channel 104, third party's marketing channel 104 was given in the payment payment for goods.
S302, third party's marketing channel 104 change sales revenue in third party card issuer 102 the supervision account over to according to agreement.
The marketing expenses of S303, third party's marketing channel 104 by its 104 with third party card issuer 102 agreement agreement.Can in the sales revenue of consumption card, deduct, perhaps pay separately by third party card issuer 102.After the sales revenue of consumption card arrived third party card issuer 102 supervision account, according to agreement, third party card issuer 102 gave third party card issuer 102 own the distribution and the marketing expenses of payment consumption card, and the payment oversight costs is given third party's monitoring party 103.
S304, third party's monitoring party 103 are supervised for the fund in the third party card issuer 102 supervision accounts according to agreement.
Two, consumer phase:
S401, when client 105 uses consumption cards to consume in businessman 101, its 105 consumption amount information will be notified third party's monitoring party 103 and third party card issuer 102 by communication network.
To send out after S402, third party's monitoring party 103 are examined to separate and pay instruction to third party card issuer 102.
S403, by third party card issuer 102 according to and the agreement of businessman 101 in the supervision account, separate and pay corresponding fund and give businessman 101 in consumption amount of money ratio.
Other marketing channel:
As shown in Figure 5, the marketing channel of consumption card can also adopt other marketing channel 106 to sell sometimes, for example the channel sales of third party card issuer's marketing channel or businessman oneself.But main marketing channel still is third party's marketing channel.
Its step is as follows:
One, the hair fastener stage
S501, businessman 101 subscribe to the agreement with third party card issuer 102, entrust third party card issuer 102 to act on behalf of businessman's 101 distribution and sale consumption card.
S502, third party card issuer 102 subscribe to the agreement with third party's monitoring party 103, and open the supervision account in appointed bank.The income that third party card issuer 102 sells consumption card all enters the supervision account, is supervised for the fund in the supervision account by third party's monitoring party 103.
S503, third party card issuer 102 is responsible for selecting other suitable marketing channel 106,106 subscribes to the agreement and sells consumption cards by this channel 106 with it.Third party card issuer 102 distribution consumption cards, and enter other marketing channel 106 and sell.
S504, other marketing channel 106 are sold consumption card and are given client 105.
S505, after other marketing channel 106 has been sold consumption card and has been given client 105, sales revenue will be paid in third party card issuer 102 the supervision account.
The marketing expenses of S506, other marketing channel 106 by its 106 with third party card issuer 102 agreement agreement.Can in the sales revenue of consumption card, deduct, perhaps pay separately by third party card issuer 102.After the sales revenue of consumption card arrived third party card issuer 102 supervision account, according to agreement, third party card issuer 102 gave third party card issuer 102 own the distribution and the marketing expenses of payment consumption card, and the payment oversight costs is given third party's monitoring party 103.
S507, client 105 just can use consumption card specifying businessman 101 to consume after buying consumption card.
Two, consumer phase:
Same S201-S203.
A kind of simplified way about third party's hair fastener, third party's supervision:
As Fig. 6, shown in Figure 7, sometimes third party card issuer 102 and third party's monitoring party 103 can be same mechanisms, be about to both and merge into a family, we are called third party's hair fastener and monitoring party 107, third party's hair fastener and monitoring party are generally the mechanism with very high credit rating, such as bank and other financial mechanism.At this moment, third party's hair fastener and monitoring party 107 are not only accepted the agency by agreement distribution of businessman 101 and are sold consumption card, and the fund of supervision consumption card.
Its step is as follows:
The hair fastener stage
S601, businessman 101 subscribe to the agreement with third party's hair fastener and monitoring party 107, entrust third party card issuer 107 to act on behalf of businessman's 101 distribution and sale consumption card, the income of selling consumption card enters the supervision account, and is supervised by the fund in third party's hair fastener and 107 pairs of supervision of the monitoring party account.
S602, third party's hair fastener and monitoring party 107 are responsible for selecting suitable third party's marketing channel 104,104 subscribe to the agreement and sell consumption cards by this channel 104 with it.Third party's hair fastener and monitoring party 107 distribution consumption cards, and enter third party's marketing channel 104 and sell.
S603, third party's marketing channel 104 are sold consumption card and are given client 105.
S604, after third party's marketing channel 104 has been sold consumption card and has been given client 105, sales revenue will be paid in the supervision account of third party's hair fastener and monitoring party 107.
The marketing expenses of S605, third party's marketing channel 104 by its 104 with the agreement agreement of third party's hair fastener and monitoring party 107.Can in the sales revenue of consumption card, deduct, perhaps pay separately by third party's hair fastener and monitoring party 107.After the sales revenue of consumption card arrives the fund supervision account of third party's hair fastener and monitoring party 107, third party's hair fastener and monitoring party 107 will be given third party's hair fastener and monitoring party 107 itself from marketing expenses, issuing expenses, oversight costs that fund is supervised payment consumption card in the account.
S606, client 105 just can use consumption card specifying businessman 101 to consume after buying consumption card.
Consumer phase
S701, client 105 use consumption card to consume in businessman 101.All the corresponding consumption amount of money can be deducted in client 105 consumption card during each consumption, till the amount of money in consumption card exhausts.
S702, when client 105 uses consumption cards to consume, information of its 105 consumption will be notified third party's hair fastener and monitoring party 107 by communication network.
After S703, third party's hair fastener and monitoring party 107 audits, give businessman 101 according in the supervision account, separating pair corresponding fund in consumption amount of money ratio with the agreement of businessman 101.
As Fig. 8, shown in Figure 9, when the pattern of third party's hair fastener and monitoring party, sometimes for the sale dynamics of strengthening consumption card, reduce selling cost, 107 of third party's hair fastener and monitoring party are responsible for the fund of distribution consumption card and supervision consumption card, and the sales goal of its consumption card is entrusted to the third party side of distribution 108, be responsible for the sale of consumption card by the third party side of distribution 108, and organize businessman 101 and third party's hair fastener and monitoring party 107 signature distribution consumption card agreements.
Its step is as follows:
One, the hair fastener stage
S801, businessman 101 subscribe to the agreement with third party's hair fastener and monitoring party 107, entrust third party card issuer 107 to act on behalf of businessman's 101 distribution and sale consumption card, the income of selling consumption card enters the supervision account, and is supervised by the fund in third party's hair fastener and 107 pairs of supervision of the monitoring party account.
S802, third party's hair fastener and monitoring party 107 subscribe to the agreement with the third party side of distribution 108, entrust the third party side of distribution 108 to be responsible for the sale of consumption card.
S803, the third party side of distribution 108 is responsible for selecting suitable third party's marketing channel 104,104 subscribes to the agreement and sells consumption cards by this channel 104 with it.Third party's hair fastener and monitoring party 107 distribution consumption cards, and enter third party's marketing channel 104 and sell.
S804, third party's marketing channel 104 are sold consumption card and are given client 105.
S805, after third party's marketing channel 104 has been sold consumption card and has been given client 105, sales revenue will be paid in the supervision account of third party's hair fastener and monitoring party 107.
The marketing expenses of S806, third party's marketing channel 104 104 are arranged with the agreement of the third party side of distribution 108 by it.Can in the sales revenue of consumption card, deduct, perhaps pay separately by third party's hair fastener and monitoring party 107.After the sales revenue of consumption card arrives the fund supervision account of third party's hair fastener and monitoring party 107, the marketing expenses that third party's hair fastener and monitoring party 107 will be supervised payment consumption card in the account from fund are to the third party side of distribution 108, and the issuing expenses of payment consumption card, oversight costs are to third party's hair fastener and monitoring party 107 itself.
S807, client 105 just can use consumption card specifying businessman 101 to consume after buying consumption card.
Two, consumer phase
S901, client 105 use consumption card to consume in businessman 101.All the corresponding consumption amount of money can be deducted in client 105 consumption card during each consumption, till the amount of money in consumption card exhausts.
S902, when client 105 uses consumption cards to consume, information of its 105 consumption will be notified third party's hair fastener and monitoring party 107 by communication network.
After S903, third party's hair fastener and monitoring party 107 audits, give businessman 101 according in the supervision account, separating pair corresponding fund in consumption amount of money ratio with the agreement of businessman 101.
When the pattern of third party's hair fastener and monitoring party, the marketing channel of consumption card also can adopt other marketing channel 106 to sell sometimes, for example the channel sales of the marketing channel of third party's hair fastener and monitoring party or businessman oneself.Step is as similar as described in S501-S507, the S201-S203.But main marketing channel still is third party's marketing channel.
Figure 10, Figure 11 are specific embodiments of consumption card.In the present embodiment, consumption card adopts the pattern of bank's stored value card, can use the various facilities of existing bank card, as department of computer science's communication network of unifying.Consumption card is by system of Unionpay bankcard consumption, and by Unionpay's system transmissions information, and with remaining sum in bank POS machine or the bank's telephone system inquirying card.Consumption card has a card number, a face amount (for example 200 yuans), a password.Client 105 could use after must activating consumption card after buying consumption card.Consumption card can use bank's telephone system or internet or system of Unionpay to activate, when activating consumption card, client 105 needs input consumption card card number, password and customer information etc., after client 105 activates consumption card, just can consume according to the consumption card face amount amount of money.Because as communication network, so must there be the system of Unionpay in businessman with the system of Unionpay, the client could bankcard consumption.The client is when using consumption card, and consumption card can be consumed with password, and consumption also can not access to your password.Consumption card is provided with the term of validity, if the client has in the consumption card remaining sum just can bankcard consumption before the deadline, surpass the term of validity then consumption card will cancel.
In the present embodiment, bank 109 is as third party's hair fastener and monitoring party.In order to sell consumption card better, bank 109 entrusts the third party side of distribution 108 to be responsible for the marketing of consumption card.The third party side of distribution 108 is tame professional marketing companies, select suitable third party's marketing channel 104 to sell consumption card by the third party side of distribution 108, the third party sells canal 104 roads and mainly chooses main flow marketing channels such as supermarket, department stores, and attracts clients by setting up the sub-category display of consumption card special counter to show.Its step is as follows:
One, the hair fastener stage
S1001, businessman 101 subscribe to the agreement with bank 109, and authorized bank 109 acts on behalf of businessman's 101 distribution and sells consumption card, and the income of selling consumption card enters the supervision account, and are supervised by the fund in bank's 109 pairs of supervision account.
S1002, bank 109 subscribe to the agreement with the third party side of distribution 108, entrust the third party side of distribution 108 to be responsible for the market sale of consumption card.
S1003, the third party side of distribution 108 is responsible for selecting suitable third party's marketing channel 104,104 subscribes to the agreement and sells consumption cards by this channel 104 with it.Bank 109 distribution consumption cards, and enter third party's marketing channel 104 and sell.
S1004, third party's marketing channel 104 are sold consumption card and are given client 105.
S1005, after third party's marketing channel 104 has been sold consumption card and has been given client 105, client 105 must activate consumption cards.Consumption card can be by bank's telephone system or internet or the activation of system of Unionpay, when activating consumption card, client 105 needs input consumption card card number, password and customer information etc., after client 105 activates consumption card, just can consume according to the consumption card face amount amount of money.When client 105 had activated consumption card, third party's marketing channel 104 was paid the sales revenue of consumption card in the supervision account of bank 109 immediately automatically.
The marketing expenses of S1006, third party's marketing channel 104 104 are arranged with the agreement of the third party side of distribution 108 by it.Can in the sales revenue of consumption card, deduct, perhaps pay separately by bank 109.After the sales revenue of consumption card arrives the fund supervision account of bank 109, bank 109 will supervise from fund and pay marketing expenses in the account to the third party side of distribution 108, and it is own also issuing expenses, the oversight costs of consumption card to be paid bank 109 simultaneously.
S1007, client 105 just can use consumption card specifying businessman 101 to consume after buying and activate consumption card.
Two, consumer phase
S1101, businessman 101 have the system of Unionpay, and client 105 uses consumption card at businessman's 101 bankcard consumptions.
S1102, when client 105 uses consumption cards to consume, information of its 105 consumption will be by Unionpay's Network Transmission to bank 109.All the corresponding consumption amount of money can be deducted in the account of client's 105 consumption cards during each consumption, till the amount of money in the consumption card account exhausts.
S1103, bank 109 give businessman 101 according to separating pair corresponding fund in consumption amount of money ratio with the agreement of businessman 101 in the supervision account.
General about consumption card:
The third party card issuer can be several businessman's distribution and sale consumption card simultaneously, but consumption card can only use in the businessman that entrusts this consumption card of distribution.If there are several businessmans to reach a kind of consumption card of the common use of agreement, then this consumption card of third party card issuer distribution also can be general in these several businessmans.
The major function of consumption card:
1,, expands more clients for cooperation businessman carries out sales promotion.
2,, solve demands for services such as reception in the commercial activity, public relations, meeting and comings and goings gift for clients such as enterprise, government, group provide the third party to pay.
3,, solve demands such as employee welfare for clients such as enterprise, government, group provide the third party to pay.
4, businessmans such as bank, airline, department store, supermarket are rewarded to client's integration and be convenient to payment.
5, be used for various gifts.
Claims (17)
1. the method for third party's distribution of a consumption card, sale, fund supervision is characterized in that described method comprises third party's hair fastener, third party's marketing channel, third party's supervision, businessman and client; Wherein: the third party card issuer is subjected to businessman's agency by agreement distribution and sells consumption card, by third party's marketing channel consumption card is sold to the client, and third party's monitoring party is supervised the fund of consumption card, and the client holds consumption and snaps into businessman's consumption.
2. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described third party's monitoring party comprises financial institutions such as bank or Unionpay.
3. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described third party card issuer is meant the third company outside the businessman, acts on behalf of the distribution and the sale of consumption card by it.
4. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described hair fastener comprises the steps:
Businessman and third party card issuer subscribe to the agreement, and entrust the third party card issuer to act on behalf of businessman's distribution and sale consumption card;
Third party card issuer and third party's monitoring party subscribe to the agreement, and open the supervision account in appointed bank, and the income that the third party card issuer sells consumption card enters the supervision account, are supervised for the fund in the supervision account by third party's monitoring party;
The third party card issuer is responsible for selecting suitable third party's marketing channel, subscribes to the agreement with it by this channel sales consumption card; The third party card issuer issues consumption card, and enters third party's marketing channel and sell;
Third party's marketing channel is sold consumption card and is given the client;
Sold consumption card to behind the client when third party's marketing channel, sales revenue will be paid in third party card issuer's the supervision account;
The marketing expenses of third party's marketing channel are by itself and third party card issuer's agreement agreement, can in the sales revenue of consumption card, deduct, perhaps pay separately by the third party card issuer, after the sales revenue of consumption card arrives third party card issuer's supervision account, according to agreement, the third party card issuer gives third party card issuer itself with the distribution and the marketing expenses of payment consumption card, and the payment oversight costs is given third party's monitoring party;
The client just can use consumption card specifying businessman to consume after buying consumption card.
5. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described consumption comprises the steps:
The client uses consumption card to consume in businessman, all can deduct the corresponding consumption amount of money when consuming in client's consumption card account, till the amount of money in the consumption card account exhausts at every turn;
When the client uses consumption card to consume, its consumption amount information will be notified third party's monitoring party and third party card issuer by communication network;
To send instructions after third party's monitoring party is examined to the third party card issuer, give businessman according in the supervision account, separating pair corresponding fund in consumption amount of money ratio with the agreement of businessman by the third party card issuer.
6. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described supervision comprises the steps:
When the client bought consumption card at third party's marketing channel, third party's marketing channel was given in the payment payment for goods;
Third party's marketing channel is paid sales revenue in third party card issuer's the supervision account according to agreement;
The marketing expenses of third party's marketing channel are by itself and third party card issuer's agreement agreement, can in the sales revenue of consumption card, deduct, perhaps pay separately by the third party card issuer, after the sales revenue of consumption card arrives third party card issuer's supervision account, according to agreement, the third party card issuer gives third party card issuer itself with the distribution and the marketing expenses of payment consumption card, and the payment oversight costs is given third party's monitoring party;
Third party's monitoring party is supervised for the fund that the third party card issuer supervises in the account according to agreement.
7. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described supervision also comprises the steps:
When the client uses consumption card to consume in businessman, the information of its consumption will be notified third party's monitoring party and third party card issuer by communication network;
To send out after third party's monitoring party is examined to separate and pay instruction to the third party card issuer;
Give businessman by the third party card issuer according in the supervision account, separating pair corresponding fund in consumption amount of money ratio with the agreement of businessman.
8. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described third party's marketing channel comprises:
Third party's marketing channel is the channel of the sale consumption card except that the marketing channel of businessman own, be generally tangible commercial channel, mainly choose main flow marketing channels such as supermarket, department stores, and attract clients by setting up the sub-category display of consumption card special counter to show;
Third party's marketing channel also can adopt internet, the invisible channel of the large-scale existing customer of company network as marketing channel.
9. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described third party's marketing channel also comprises other marketing channel, as third party card issuer's the marketing channel or the channel sales of businessman oneself.
10. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described hair fastener and supervision also comprise:
Third party card issuer and third party's monitoring party can be same mechanisms, be about to both and merge into a family, be called third party's hair fastener and monitoring party, comprise bank or financial institution, at this moment, third party's hair fastener and monitoring party are not only accepted the agency by agreement distribution of businessman and are sold consumption card, and the fund of supervision consumption card, and its step is as follows:
Businessman and third party's hair fastener and monitoring party subscribe to the agreement, and entrust third party's hair fastener and monitoring party to act on behalf of businessman's distribution and sale consumption card, and the income of selling consumption card enters the supervision account, and by third party's hair fastener and monitoring party the fund in the supervision account is supervised;
Third party's hair fastener and monitoring party are responsible for selecting suitable third party's marketing channel, subscribe to the agreement with it by this channel sales consumption card, and third party's hair fastener and monitoring party distribution consumption card, and enter third party's marketing channel and sell;
Third party's marketing channel is sold consumption card and is given the client;
Sold consumption card to behind the client when third party's marketing channel, sales revenue will be paid in the supervision account of third party's hair fastener and monitoring party;
The marketing expenses of third party's marketing channel can be deducted in the sales revenue of consumption card by the agreement agreement of itself and third party's hair fastener and monitoring party, are perhaps paid separately by third party's hair fastener and monitoring party; After the sales revenue of consumption card arrives the fund supervision account of third party's hair fastener and monitoring party, third party's hair fastener and monitoring party will be given third party's hair fastener and monitoring party itself from marketing expenses, issuing expenses, oversight costs that fund is supervised payment consumption card in the account;
The client just can use consumption card specifying businessman to consume after buying consumption card.
11. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described hair fastener, sale also comprise:
When the pattern of third party's hair fastener and monitoring party, for sale dynamics, the reduction selling cost of strengthening consumption card, third party's hair fastener and monitoring party only are responsible for the fund of distribution consumption card and supervision consumption card, and the sales goal of its consumption card is entrusted to the third party side of distribution, be responsible for the sale of consumption card by the third party side of distribution, and organize businessman and third party's hair fastener and monitoring party signature distribution consumption card agreement, its step is as follows:
Businessman and third party's hair fastener and monitoring party subscribe to the agreement, and entrust third party's hair fastener and monitoring party to act on behalf of businessman's distribution and sale consumption card, and the income of selling consumption card enters the supervision account, and by third party's hair fastener and monitoring party the fund in the supervision account is supervised;
Third party's hair fastener and monitoring party and the third party side of distribution subscribe to the agreement, and entrust the third party side of distribution to be responsible for the sale of consumption card;
Suitable third party's marketing channel be responsible for to be selected by the third party side of distribution, subscribes to the agreement with it, and by this channel sales consumption card, third party's hair fastener and monitoring party distribution consumption card, and enter third party's marketing channel and sell;
Third party's marketing channel is sold consumption card and is given the client;
Sold consumption card to behind the client when third party's marketing channel, sales revenue will be paid in the supervision account of third party's hair fastener and monitoring party;
The marketing expenses of third party's marketing channel can be deducted in the sales revenue of consumption card by the agreement agreement of itself and the third party side of distribution, are perhaps paid separately by third party's hair fastener and monitoring party; After the sales revenue of consumption card arrives the fund supervision account of third party's hair fastener and monitoring party, third party's hair fastener and monitoring party will be supervised from fund and be paid marketing expenses in the account to the third party side of distribution, also pay third party's hair fastener and monitoring party itself with issuing expenses, the oversight costs of consumption card simultaneously;
The client just can use consumption card specifying businessman to consume after buying consumption card.
12. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described consumption card also comprises:
Consumption card adopts the pattern of bank's stored value card, can use the various facilities of existing bank card, comprise computer system, communication network and system of Unionpay, consumption card is by system of Unionpay bankcard consumption, and by Unionpay's system transmissions information, and with remaining sum in bank POS machine or the bank's telephone system inquirying card; Consumption card has a card number, a face amount, a password, the client is after buying consumption card, and just can use behind the activation consumption card, since with the system of Unionpay as communication network, therefore must there be the system of Unionpay in businessman, client's ability bankcard consumption, the client is when using consumption card, and consumption card can be consumed with password, consumption also can not access to your password, consumption card is provided with the term of validity, if the client consumes before the deadline and has the remaining sum just can bankcard consumption in the account card, surpass the term of validity then consumption card will cancel.
13. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described consumption card also comprises activation, this Activiation method is:
The client is after buying consumption card, could use after must activating consumption card, consumption card can use bank's telephone system or internet or system of Unionpay to activate, when activating consumption card, the client need input consumption card card number, password and customer information etc., after the client activates consumption card, just can consume according to the consumption card face amount amount of money.
14. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described hair fastener also comprises:
Bank is as third party's hair fastener and monitoring party, in order to sell consumption card better, bank entrusts the third party side of distribution to be responsible for the marketing of consumption card, the third party side of distribution is a professional marketing company, select suitable third party's marketing channel to sell consumption card by the third party side of distribution, third party's marketing channel is mainly chosen main flow marketing channels such as supermarket, department stores, and attracts clients by setting up the sub-category display of consumption card special counter to show, its step is as follows:
Businessman and bank subscribe to the agreement, and authorized bank acts on behalf of businessman's distribution and sells consumption card, and the income of selling consumption card enters the supervision account, and by bank the fund in the supervision account is supervised;
Bank and the third party side of distribution subscribe to the agreement, and entrust the third party side of distribution to be responsible for the market sale of consumption card;
Suitable third party's marketing channel be responsible for to be selected by the third party side of distribution, subscribes to the agreement by this channel sales consumption card with it, and the issued by banks consumption card, and enter third party's marketing channel and sell;
Third party's marketing channel is sold consumption card and is given the client;
Sell consumption card when third party's marketing channel and given the client, the client must activate consumption card, consumption card can use bank's telephone system or internet or system of Unionpay to activate, when activating consumption card, the client need input consumption card card number, password and customer information etc., after the client activates consumption card, just can consume according to the consumption card face amount amount of money, when the client had activated consumption card, third party's marketing channel was paid the sales revenue of consumption card in the supervision account of bank immediately automatically;
The marketing expenses of third party's marketing channel are by the agreement agreement of itself and the third party side of distribution, can in the sales revenue of consumption card, deduct, perhaps pay separately by bank, after the sales revenue of consumption card arrives the fund supervision account of bank, bank will supervise from fund and pay marketing expenses in the account to the third party side of distribution, also pay bank itself with issuing expenses, the oversight costs of consumption card simultaneously;
The client just can use consumption card specifying businessman to consume after buying and activate consumption card.
15. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described consumption is further comprising the steps of:
Businessman has the system of Unionpay, and the client uses consumption card at businessman's bankcard consumption;
When the client uses consumption card to consume, the information of its consumption will be given bank by Unionpay's Network Transmission.All the corresponding consumption amount of money can be deducted in the account of client's consumption card during each consumption, till the amount of money in the consumption card account exhausts;
Bank gives businessman according to separating pair corresponding fund in consumption amount of money ratio with the agreement of businessman in the supervision account.
16. the method for third party's distribution of consumption card as claimed in claim 1, sale, fund supervision is characterized in that described consumption card also comprises:
The third party card issuer can be several businessman's distribution and sale consumption card simultaneously, but consumption card can only use in the businessman that entrusts this consumption card of distribution, if there are several businessmans to reach a kind of consumption card of the common use of agreement, then this consumption card of third party card issuer distribution also can be general in these several businessmans.
17. the system of third party's distribution of the consumption card of realization claim 1, sale, fund monitoring and managing method, it is characterized in that comprising consumption card, card-reading apparatus, network, server, fund supervisory computers and the system manage ment computer of magnetic card or IC-card, wherein consumption card connects fund supervisory computers and system manage ment computer by card-reading apparatus, network, server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910258546A CN101794422A (en) | 2009-08-24 | 2009-12-10 | Method and system for carrying out issuing, selling and fund supervision of consumer card by third party |
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910189704.7 | 2009-08-24 | ||
| CN200910258546A CN101794422A (en) | 2009-08-24 | 2009-12-10 | Method and system for carrying out issuing, selling and fund supervision of consumer card by third party |
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| Publication Number | Publication Date |
|---|---|
| CN101794422A true CN101794422A (en) | 2010-08-04 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200910258546A Pending CN101794422A (en) | 2009-08-24 | 2009-12-10 | Method and system for carrying out issuing, selling and fund supervision of consumer card by third party |
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| Country | Link |
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| CN (1) | CN101794422A (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105099993A (en) * | 2014-04-29 | 2015-11-25 | 阿里巴巴集团控股有限公司 | Data interaction method based on proxy platform and device and system thereof |
| CN106204032A (en) * | 2016-07-08 | 2016-12-07 | 乐视控股（北京）有限公司 | Banknote validation method and system |
| CN107767147A (en) * | 2016-08-15 | 2018-03-06 | 平安银行股份有限公司 | Processing method, device and the terminal device of favor information |
| CN109146461A (en) * | 2018-08-15 | 2019-01-04 | 北京天华胜达科技有限公司 | The method for managing security of secured business advanced charge card based on unique ID |
| CN109191301A (en) * | 2018-09-06 | 2019-01-11 | 南京摩铂汇信息技术有限公司 | Transaction and fund management method and its system and computer readable storage medium |
| CN110930140A (en) * | 2019-12-09 | 2020-03-27 | 张伟 | Stored value consumption method and system |
| CN112163844A (en) * | 2020-09-16 | 2021-01-01 | 中国建设银行股份有限公司 | Capital supervision method, device, equipment and storage medium |
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2009
- 2009-12-10 CN CN200910258546A patent/CN101794422A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105099993A (en) * | 2014-04-29 | 2015-11-25 | 阿里巴巴集团控股有限公司 | Data interaction method based on proxy platform and device and system thereof |
| CN105099993B (en) * | 2014-04-29 | 2019-08-02 | 阿里巴巴集团控股有限公司 | A kind of data interactive method based on agent platform, device and system |
| CN106204032A (en) * | 2016-07-08 | 2016-12-07 | 乐视控股（北京）有限公司 | Banknote validation method and system |
| CN107767147A (en) * | 2016-08-15 | 2018-03-06 | 平安银行股份有限公司 | Processing method, device and the terminal device of favor information |
| CN109146461A (en) * | 2018-08-15 | 2019-01-04 | 北京天华胜达科技有限公司 | The method for managing security of secured business advanced charge card based on unique ID |
| CN109191301A (en) * | 2018-09-06 | 2019-01-11 | 南京摩铂汇信息技术有限公司 | Transaction and fund management method and its system and computer readable storage medium |
| CN110930140A (en) * | 2019-12-09 | 2020-03-27 | 张伟 | Stored value consumption method and system |
| CN112163844A (en) * | 2020-09-16 | 2021-01-01 | 中国建设银行股份有限公司 | Capital supervision method, device, equipment and storage medium |
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