CN106570622A - Identity card-based integrated management and unified use technological method for multiple accounts - Google Patents
Identity card-based integrated management and unified use technological method for multiple accounts Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4093—Monitoring of device authentication
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention discloses an identity card-based integrated management and unified use technological method for multiple accounts. A user identity card is extended as a unique account certificate for a user; a merchant terminal comprises a transaction subsystem, a liquidation subsystem, a contract signing subsystem, an identity card account number certificate system and the like; the merchant terminal and a payment interface subsystem of a bank or a payment mechanism form a payment system; band cards and non-bank cards can be bound with the identity card via the payment system through the identity card.
Description
Technical field
The present invention relates to a kind of identity-based confirms the technical method that existing many account integrated managemenies, unification are used.
Background technology
With science and technology, expanding economy, the income level of people improving year by year, various deposit cards and the credit card
Species is more and more, while the member card of the various non-banking classes of businessman's distribution is also more and more, the appearance of card make people without
Buckets of cash is carried again go out and just can arbitrarily do shopping and consume, although bankcard consumption has liberated the worry paid in cash, but
With the increase of various cards, people are miscellaneous to block the capacity for occupying wallet, and the card for using especially is swiped the card every time not
Can forget to carry with, present people are more desirable to simple step and just realize the consumption and payment of oneself, and people carry with
Identity card be the certificate for being frequently necessary to carry, iff can just complete the various consumption swiped the card then by an identity card
The quantity that people carry card can be mitigated.Solve because not carrying suitable card or needing to carry excessive card trip
It is worried.
The content of the invention
The technical problem to be solved is to provide for one kind and can just complete various swiping the card only by identity card
The method of consumption, realizes that the technical scheme of above-mentioned purpose is as follows：
A kind of identity-based confirms the technical method that existing many account integrated managemenies, unification are used, including merchant tenninal, identity
The payment interface subsystem of card card-reading apparatus, bank or payment mechanism, merchant tenninal and bank or the payment interface of payment mechanism
Subsystem constitute payment system, merchant tenninal respectively with identity card card-reading apparatus and the payment interface subsystem of bank or payment mechanism
The connection of system signal is electrically connected, and wherein merchant tenninal includes display, identity card account credentials system, signing subsystem, clearance
Subsystem, data subsystem, business subsystem, wherein data subsystem respectively with identity card account credentials system, signing subsystem
System, clearance subsystem, the connection of business subsystem signal are electrically connected, and the system realizes the step of trade company's signing and user contract,
So as to realize the function of account settlement business by identity card.
It is complicated that the present invention solves many account managements of user, bank's class account and non-banking class account cannot intercommunication, accept
The problems such as process is complicated, the non-banking accounts such as bank transaction and all kinds of member cards, reward voucher are entered on line to be managed collectively, and realize
Many cartoons number, concentration are checked and write off, and are that trade company and card user bring very big income.
Description of the drawings
Fig. 1 is schematic flow sheet of the present invention
Specific embodiment
The present invention is that a kind of identity-based confirms the technical method that existing many account integrated managemenies, unification are used, by user's body
Part card expands to the only account credentials of user, by signing subsystem, clearance subsystem, business subsystem, data subsystem
Deng composition identity card account credentials system.
Below in conjunction with the accompanying drawings a pair of present invention are described in detail.
A kind of identity-based confirms the technical method that existing many account integrated managemenies, unification are used, including merchant tenninal, identity
Card card-reading apparatus, the payment interface subsystem of bank or payment mechanism, merchant tenninal can be panel computer, portable in the present invention
Computer etc. intelligent computer.
Merchant tenninal is connected respectively with the payment interface subsystem signals of identity card card-reading apparatus and bank or payment mechanism
Or electrical connection, identity card card-reading apparatus are for reading identity card or bank card, the user profile of non-banking class card, payment mechanism
Payment interface subsystem be used for realizing clearing that merchant tenninal is used for the information registering of the member card such as bank card, non-banking card class
With realization and identity card binding etc..Wherein merchant tenninal includes display, identity card account credentials system, signing subsystem, clear
Operator Systems, data subsystem, business subsystem, wherein data subsystem are sub with identity card account credentials system, signing respectively
System, clearance subsystem, the connection of business subsystem signal are electrically connected, and above-mentioned each system adopts existing system, in order to
It is convenient, it is also possible to be individually for trade company's configuration communicating terminal, communicating terminal can be smart mobile phone or Intelligent flat, wherein communicating
Terminal is connected respectively with the payment interface subsystem signals of signing subsystem and bank or payment mechanism, and communicating terminal can be independent
For the message that the payment interface subsystem for receiving merchant tenninal and bank or payment mechanism is transmitted.The method is contracted by trade company
And/or payment and settlement business is realized in user's signing；
Wherein：One：Trade company contracts：
The various member cards or account of the non-banking class card that each independent hair fastener trade company is issued are entered in merchant tenninal
Row signing, it is as follows the step of trade company contracts：
(1) merchant tenninal is started, trade company is logged in into identity card account voucher management system backstage by merchant tenninal,
The content such as selling information of typing member card or account on the interface of identity card account voucher management system, or import trade company
The member card for sending or account and using information such as rules, after the completion of Data Enter, identity card account voucher management system can be from
Dynamic to generate a signed instrument, signed instrument is sent to signing subsystem by identity card account voucher management system；
(2) manager of identity card account voucher management system audits to signed instrument, for the label for meeting requirement
About file gives examination ＆ verification and passes through, and after examination ＆ verification passes through, identity card account voucher management system automatically generates subscription credentials, and by voucher
Information is saved in data subsystem and is stored, backed up；
(3) when signed instrument is unsatisfactory for signing conditions, manager can provide audit opinion, identity card account credential management
System sends or shows not by auditing receipt；Unsanctioned signed instrument is noted as " returning modification " state, while body
Part card account voucher management system sends messages to quasi- contractor；Quasi- contractor is according to the audit opinion for sending to signing text
Part is modified, and is retransferred after the completion of modification to signing subsystem, and by auditor's repeat step (2), until signed instrument
Complete or trade company abandon signing till；
Two：User contracts：The form that card user passes through signing, by the member card of held bank card and non-banking class card and
Account is associated binding by identity card account voucher management system and identity card, and any merchant tenninal contracted can
The signing of accepted user, user's signing process is completed by following steps：
(1) identity card identification terminal carries out the reading of user identity card information, identification, and the ID card information for reading is stored in
Data subsystem, ID card information reads again user and holds member card or other accounts after the completion of reading using identity card identification terminal
The information such as the voucher number of the information such as the voucher number at family, member card or other accounts are also stored in data subsystem, afterwards identity card
Identification terminal to identity card account credentials management system sends bind request, by the member card or account of the user in identity card account
Binding is realized in the voucher management system of family；
(2) identity card account credentials management system receives the bind request that identity card identification terminal sends, and binding is closed
System is stored in data subsystem, and after binding success, identity card account credentials management system sends to identity card identification terminal and binds
Receipt, points out user's member card or account binding success；
(3) when member card or account Bind Failed, identity card account credentials management system is then sent out to identity card identification terminal
The acknowledgement message of Bind Failed is sent, and failure cause and discriminant amendment are illustrated in acknowledgement message；
Three：Bank card binding：By bank card binding function, bank card and the user identity of user are demonstrate,proved in identity card account
Binding is associated in certificate system, the function of bank card business dealing is completed by identity card, this process is achieved by the steps of：
(1) contracted user of identity card account credentials management system, logs in identity card account credentials management system backstage, looks into
The bank card and non-banking class account bound under this identity card account is seen, and transaction details can be checked；
(2) user opens the bank card binding signing interface of identity card account credentials management system, according to identity card account
" binding bank card " function in certificate system, fills in the bank card information of correlation, and bind request is sent after the completion of filling in label
About subsystem；
(3) the management subsystem person that contracts carries out first trial to the subscription request agreement of bank card, when first trial is obstructed out-of-date, manages
Member provides suggestion for revision, sends receipt to user, and user resends subscription request after modifying, and by data subsystem
Agreement copy be automatically labeled as " treat user change " state；
(4) when signing first trial request passes through, manager clicks on and is identified through button, and signing subsystem transmit a request to bank
Or payment mechanism carries out quick payment signing, and the agreement copy in data subsystem is automatically labeled as " bank is sent to sign
About " state, while subsystem of contracting notifies user's signing state change；
(5) bank or payment mechanism send signing receipt, while the CAMEL-Subscription-Information of SMS notification card user, user passes through
After short-message verification confirms, bank sends signing success receipt, and identity card account credentials management system sends to user and contracts successfully
Receipt, and this agreement copy in data subsystem is automatically labeled as into " contracting successfully " state, complete user's signing；
(6) when bank or payment mechanism send the receipt of signing failure, identity card account voucher management system sends receipt
To contracted user, modified by contracted user, and the agreement copy in data subsystem is automatically labeled as into " bank's return use
Modification " state；
(7) user is received after the message for needing modification, and this signing association is remodified in identity card account certificate system
View, and repeat step (1) (2) (3), till signing success or user abandon signing；
Four：Transaction accepts：User in identity card account credentials system can be in the trade company of any the system signing
Terminal is consumed using identity card, and by according to priority using this trade company contracted approval member card or account product
Point, this process is completed via following steps：
(1) contracted user of identity card account credentials system holds identity card and is consumed to the trade company contracted with the system,
The bank of merchant tenninal or payment system are entered into after payment interface, user using identity card in identity card card-reading apparatus, for example
Information is read on card reader of ID card, identity card account credentials system receives identification card number, by ID card information and consumption gold
Forelock is sent to trading processing subsystem；
(2) trading processing subsystem receives transaction request, and user identity is demonstrate,proved account by the priority set according to trade company
The member card of lower binding is matched with the member card that trade company sends, and is such as found matching member card or then can step by step be pressed with account
Rule is consumed；Now many businessmans release integration and support the activities such as existing, reward voucher, i.e., integration instead cash can be used, extremely
In how many accumulated point exchangings how much, trade company according to system suggestion oneself setting, trade company setting Integral Rule in identity card account
Oneself typing and a setting in certificate system, when the member card that member card and the trade company bound under identity card account send is carried out
Match somebody with somebody, such as find matching member card or then can be consumed using integration by rule precedence step by step with account, when integration is not enough to
When paying the amount of money of consumption, then the bank card bound of user is found, and remaining sum is sent to bank or payment mechanism carry out
Transaction.Certainly the present invention can also realize giving the functions such as the service that member card is supplemented with money.
(3) when finding that all non-silver account balances are unsatisfactory for paying, then the bank card that user has bound is found, and will be surplus
The remaining amount of money sends to bank or payment mechanism and is traded；
(4) bank or payment mechanism send information to user, and user input mobile phone identifying code carries out payment affirmation, works as bank
When remaining sum is unsatisfactory for payment and requires in card, then continue to ask whether to use other bank cards, user to be continuing with user after confirming
Other bank cards are paid under identity card account；
(5) after the completion of payment transaction, identity card account credentials system is by transaction details and each member card and bank card business dealing
Voucher is stored in data subsystem and is set to transaction success status, while sending transaction success receipt to card reader of ID card；
(6) if all account balances are not enough to complete to pay under user identity card account, system will be returned step by step
The member card for using and member's account integration amount of money, and generate reimbursement voucher and be stored in data subsystem, send Fail Transaction
Receipt gives merchant tenninal equipment；
Five：Transaction reconciliation：Identity card account credentials system contracted user and contractor are by concluding the business and clearing subsystem
Complete conclude the business reconciliation and clearance voucher generation.Heretofore described business subsystem can be by the shape by chart, datagram
Formula provides the user all data of transaction details.
Although this method needs task of payment is completed by existing various systems, also do not go out in prior art
The use technology for now being bound together the information of whole bank cards or member card using identity card, bank card or member card are bound
After success, people's bankcard consumption in all case can be completed using identity card.Various cards need not be inserted in wallet
Piece, mitigates the burden of people's trip.
The preferred embodiment of the embodiment of the present invention is these are only, it is all at this not to limit the embodiment of the present invention
Within the spirit and principle of inventive embodiments, any modification, equivalent substitution and improvements made etc. should be included in of the invention real
Apply in the protection domain of example.
Claims (3)
1. a kind of identity-based confirms the technical method that existing many account integrated managemenies, unification are used, including merchant tenninal, bank or
The payment interface subsystem of payment mechanism；Wherein merchant tenninal includes display, signing subsystem, clearance subsystem, data
System, business subsystem, merchant tenninal constitutes payment system with the payment interface subsystem of bank or payment mechanism, and its feature exists
In：Also include identity card card-reading apparatus, merchant tenninal connects respectively with the payment of identity card card-reading apparatus and bank or payment mechanism
Interface subsystem signal connects or electrically connects；
Merchant tenninal also include identity card account credentials system, wherein data subsystem respectively with identity card account credentials system,
Signing subsystem, clearance subsystem, the connection of business subsystem signal are electrically connected, and the method is contracted and/or user by trade company
Payment and settlement business is realized in signing；
Wherein：
(1) trade company's signing：
The member card or account of the non-banking class card that each independent hair fastener trade company is issued is entered in merchant tenninal and is contracted, business
The step of family is contracted is as follows：
A () trade company logs in identity card account voucher management system backstage, the member card of typing non-banking class card by merchant tenninal
Or the selling information of account, or member card or account have been sent out in importing and use is regular, and after Data Enter, identity card account voucher system
System automatically generates signed instrument, and signed instrument is sent to into signing subsystem；
B () manager audit to signed instrument, pass through for the signed instrument for meeting requirement gives examination ＆ verification, identity card account
Voucher management system automatically generates subscription credentials, and credential information is saved in into data subsystem；
C (), when signed instrument is unsatisfactory for signing conditions, manager provides audit opinion, core receipt of concurrently submitting to a higher level for approval or revision；It is unsanctioned
Signed instrument is set to " returning modification " state, while identity card account voucher management system sends messages to quasi- contractor；
Quasi- contractor modifies according to audit opinion to signed instrument, after the completion of retransfer to signing subsystem, and by auditing
Member repeat step (b), until signed instrument complete or trade company abandon signing；
(2) user's signing：The form that card user passes through signing, by held bank card and the member card and account of non-banking class card
Be associated binding with identity card, any merchant tenninal contracted can accepted user signing, user contract process by with
Lower step is completed：
The ID card information of (d) identity card identification terminal recognition user, while also reading user holds member card or other accounts
Voucher number, the member card or account of the user are bound in identity card account credentials system；
E () identity card account credentials system receives the bind request that identity card identification terminal sends, and binding relationship is stored in into number
According in subsystem, after binding success, identity card account credentials system sends binding receipt, points out user's member card or account binding
Success；
F () then sends the acknowledgement message of Bind Failed when member card or account Bind Failed to identity card identification terminal, and returning
Hold and illustrate in message failure cause and discriminant amendment；
(3) bank card binding：By bank card binding function, bank card and the user identity of user are demonstrate,proved in identity card account credentials
Binding is associated in system, the function of bank card business dealing is completed by identity card, this process is achieved by the steps of：
G the contracted user of () identity card account credentials system, logs in identity card account credentials System Management Daemon, check this identity
The bank card bound under card account and non-banking class account, and transaction details can be checked；
H () user opens the bank card binding signing interface of identity card account credentials system, according to identity card account credentials system
In " binding bank card " function, fill in correlation bank card information, after the completion of filling in send bind request to contract subsystem；
I () signing management subsystem person carries out first trial to the subscription request agreement of bank card, when first trial is obstructed out-of-date, manager goes out
Tool suggestion for revision, sends receipt to user, and user resends subscription request after modifying, and by the association in data subsystem
View copy is labeled as " treating that user changes " state；
J () passes through when signing first trial request, manager clicks on and is identified through button, and signing subsystem transmit a request to bank or props up
Paying mechanism carries out quick payment signing, and the agreement copy in data subsystem is labeled as into " having sent bank's signing " state,
User's signing state change is notified simultaneously；
K () bank or payment mechanism send signing receipt, while the CAMEL-Subscription-Information of SMS notification card user, user is by note
After checking confirms, bank sends signing success receipt, and identity card voucher management system to user sends signing success receipt, and will
This agreement copy is labeled as " contracting successfully " state in data subsystem, completes user's signing；
L () sends the receipt of signing failure when bank or payment mechanism, identity card voucher management system sends receipt and uses to signing
Family, is modified by contracted user, and the agreement copy in data subsystem is labeled as into " bank's return modification " state；
M () user is received after the message for needing modification, this signing agreement is remodified in identity card account credentials system, and
Repeat step (g) (h) (i), until signing success or user abandon signing；
(4) transaction accepts：User in identity card account credentials system can be in the merchant tenninal of any the system signing
Consumed using identity card, by the member card or account integration of approval of having been contracted using this trade company according to priority during consumption,
This process is completed via following steps：
N the contracted user of () identity card account credentials system holds identity card and is consumed to the trade company contracted with the system, trade company
The bank of terminal or payment system are entered into after payment interface, and user reads letter using identity card on identity card card-reading apparatus
Breath, identity card account credentials system receives identification card number, ID card information and spending amount is sent to into trading processing subsystem
System；
O () trading processing subsystem receives transaction request, the member that the member card bound under identity card account sends with trade company
Card is matched, and is such as found matching member card or then can be sent spending amount to bank or payment mechanism and handed over account
Easily；
P () then finds the bank card that user has bound when finding that all non-silver account balances are unsatisfactory for paying, and will be remaining golden
Forelock delivers to bank or payment mechanism is traded；
Q () bank or payment mechanism send information to user, user input mobile phone identifying code carries out payment affirmation, when in bank card
When remaining sum is unsatisfactory for payment and requires, then continue to ask whether to use other bank cards, user to be continuing with user identity after confirming
Other bank cards are paid under card account；
R after the completion of () payment transaction, identity card account credentials system is by transaction details and each member card and bank card business dealing voucher
Transaction success status are stored in data subsystem and are set to, while sending transaction success receipt gives identity card card-reading apparatus；
If s all account balances are not enough to complete to pay under () user identity card account, payment system will be returned step by step
The member card for using and member's account integration amount of money, and generate reimbursement voucher and be stored in data subsystem, send Fail Transaction
Receipt gives merchant tenninal equipment；
(5) transaction reconciliation：Identity card account credentials system contracted user and contractor are completed by concluding the business and clearing subsystem
Transaction reconciliation and clearance voucher are generated.
2. a kind of identity-based according to right will go 1 confirms the technical method that existing many account integrated managemenies, unification are used,
It is characterized in that：Trade company can set Integral Rule, trade company on identity card account voucher management system backstage, typing member card
Integral Rule or total mark of consumption, when trading processing subsystem receives transaction request, the member bound under user identity card account
Card is matched with the member card that trade company sends, and when finding matching member card or can use account, then uses integration by Integral Rule
Consumed.
3. a kind of identity-based according to claim 1 confirms the technical method that existing many account integrated managemenies, unification are used,
It is characterized in that：The business subsystem provides the user all data of transaction details by the form of chart, datagram.
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| CN201610942772.6A CN106570622A (en) | 2016-11-01 | 2016-11-01 | Identity card-based integrated management and unified use technological method for multiple accounts |
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| CN201610942772.6A CN106570622A (en) | 2016-11-01 | 2016-11-01 | Identity card-based integrated management and unified use technological method for multiple accounts |
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Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107292619A (en) * | 2017-06-07 | 2017-10-24 | 北京矩阵魔方网络科技有限公司 | A kind of identity-based confirms existing finance account unified management, the system of aggregate payment and its technical method |
| CN107437170A (en) * | 2017-07-11 | 2017-12-05 | 谢奉见 | A kind of management of differential account system based on third-party monitoring |
| CN107451801A (en) * | 2017-07-11 | 2017-12-08 | 谢奉见 | A kind of management of differential account system based on banking supervision |
| CN108053551A (en) * | 2017-12-19 | 2018-05-18 | 浪潮金融信息技术有限公司 | The card information read method and device of self-aided terminal, computer readable storage medium, terminal |
| CN108509548A (en) * | 2018-03-20 | 2018-09-07 | 北京资配易投资顾问有限公司 | Liquidation method, device and the distributed type assemblies system for settling account of stock account |
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| CN109711980A (en) * | 2018-12-27 | 2019-05-03 | 中国建设银行股份有限公司 | Reconciliation form processing method, device, storage medium and system |
| CN110766393A (en) * | 2019-10-30 | 2020-02-07 | 杭州火小二科技有限公司 | Fund settlement method and device, storage medium and electronic device |
| CN111709836A (en) * | 2020-06-18 | 2020-09-25 | 中国银行股份有限公司 | Method and device for realizing bank account revocation |
| CN112651824A (en) * | 2020-12-24 | 2021-04-13 | 平安信托有限责任公司 | Non-silver account opening processing method and device, computer equipment and storage medium |
| CN113709721A (en) * | 2021-08-30 | 2021-11-26 | 北京三快在线科技有限公司 | Resource transfer method, device, terminal and storage medium |
| CN117436862A (en) * | 2023-12-18 | 2024-01-23 | 成都天府通数字科技有限公司 | Transaction method, system and device adapting to two-three accounts and digital RMB |
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| CN108053551A (en) * | 2017-12-19 | 2018-05-18 | 浪潮金融信息技术有限公司 | The card information read method and device of self-aided terminal, computer readable storage medium, terminal |
| CN108509548A (en) * | 2018-03-20 | 2018-09-07 | 北京资配易投资顾问有限公司 | Liquidation method, device and the distributed type assemblies system for settling account of stock account |
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| CN108805540A (en) * | 2018-05-04 | 2018-11-13 | 中电玺客信用服务有限公司 | A kind of payment processing system, method and digital object mark |
| CN109272328A (en) * | 2018-09-29 | 2019-01-25 | 湖南共睹互联网科技有限责任公司 | Reimbursement method for tracing, transaction ensure platform, terminal and readable storage medium storing program for executing |
| CN109711980A (en) * | 2018-12-27 | 2019-05-03 | 中国建设银行股份有限公司 | Reconciliation form processing method, device, storage medium and system |
| CN110766393A (en) * | 2019-10-30 | 2020-02-07 | 杭州火小二科技有限公司 | Fund settlement method and device, storage medium and electronic device |
| CN111709836A (en) * | 2020-06-18 | 2020-09-25 | 中国银行股份有限公司 | Method and device for realizing bank account revocation |
| CN112651824A (en) * | 2020-12-24 | 2021-04-13 | 平安信托有限责任公司 | Non-silver account opening processing method and device, computer equipment and storage medium |
| CN113709721A (en) * | 2021-08-30 | 2021-11-26 | 北京三快在线科技有限公司 | Resource transfer method, device, terminal and storage medium |
| CN113709721B (en) * | 2021-08-30 | 2022-04-05 | 北京三快在线科技有限公司 | Resource transfer method, device, terminal and storage medium |
| CN117436862A (en) * | 2023-12-18 | 2024-01-23 | 成都天府通数字科技有限公司 | Transaction method, system and device adapting to two-three accounts and digital RMB |
| CN117436862B (en) * | 2023-12-18 | 2024-04-02 | 成都天府通数字科技有限公司 | Transaction method, system and device adapting to two-three accounts and digital RMB |
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