CN101009006A - Method for auto-retrieval payment by bankcard - Google Patents
Method for auto-retrieval payment by bankcard Download PDFInfo
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- CN101009006A CN101009006A CNA2006100744553A CN200610074455A CN101009006A CN 101009006 A CN101009006 A CN 101009006A CN A2006100744553 A CNA2006100744553 A CN A2006100744553A CN 200610074455 A CN200610074455 A CN 200610074455A CN 101009006 A CN101009006 A CN 101009006A
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Abstract
This invention relates to one method by use of bank card automatic index payoff, which comprises the following steps: a, establishing special commercial user and user contract database composed only one identification information; b, user band card information and its relative user information into band database; c, when user pays in the system, system can automatically finds out identification information in the database according to the user bank card; the system inquires the only one information in the database to find out only relative contract.
Description
Affiliated technical field
The present invention relates to a kind of method of retrieving payment with bank card automatically in bank card self-help payment field.
Background technology
The bank card self-help payment system that exists has China Unionpay's " easily working " to pay in system at present.It brings convenience to subscriber payment, but has some shortcomings also, can not satisfy popular high request.
Be example to pay house money by the system of paying in of Unionpay's " easily working " in October, 2004 " Wanke's real estate " below, the self-service method of paying in of present Unionpay " easily working " is described.
If: Wanke's real estate (trade company) is cooperated with the China Unionpay and is arranged, and utilizes the network advantage of China Unionpay, collects client (user) house money by the system of paying in of Unionpay's " easily working ";
If: house-purchase client (user) signs house purchase contract with Wanke's real estate (trade company), and sets up the computer data of house purchase contract simultaneously, comprising: Unionpay " easily handles affairs " and pays in identifying code.House-purchase client's Unionpay " easily handles affairs " and pays in identifying code is that 1-1 is corresponding with house purchase contract.
Under above situation, the method that house-purchase client " easily working " system of paying in by Unionpay pays house money is:
1, the user pays on the system terminal Unionpay " easily handling affairs ", and the brush bank card enters " input password " interface;
2, after the user inputs correct password, enter the services menu interface;
3, the user selects " online paying the fees ";
4, user's (manual button) page turning in trade company's menu finds " Shenzhen Wanke sales money ";
5, the user clicks " Shenzhen Wanke sales money " corresponding sequence number, enters " please import and pay in identifying code " interface;
6, the user import correct pay in identifying code after, enter " please import and pay in the amount of money " interface;
7, the amount of money is paid in user's input, and presses acknowledgement key;
8, " easily handle affairs " terminal is online, handles " be identified pay building money " transaction;
9, pay in success, " easily handling affairs " terminating machine prints the transaction voucher.
The shortcoming of above-mentioned " easily handling affairs " self-service method of paying in comprises: 1: during self-help charging, need at first manually to search trade company, do not have and search trade company's function automatically; 2: when trade company's quantity for a long time, manual page turning is searched and is used duration, and the step of paying the fees is more relatively, makes self-help charging speed slow relatively, and and then make the limited amount that can serve trade company; 3: the system that pays in of Unionpay's " easily working " only is placed on the indoor of bank, and bank comes off duty then can't handle self-help charging again.
In bank card self-help payment field, how to solve above-mentioned shortcoming, how to realize " safety, payment quickly and easily " better, be exactly problem to be solved by this invention.
For sake of convenience, the bank card self-help payment system that below will exist at present comprises: Web bank's payment system, and telephone bank's payment system, bank cashier machine self-help payment system, the POS of Unionpay machine self-help payment system is called " bank card paying system ".To use the bank card paying system of the present invention's " a kind of method of retrieving payment with bank card automatically ", be called " bank card is retrieved payment system automatically "; To be called trade company by the side that " bank card paying system " collects fund; The side of paying in is called the user.
Summary of the invention
Provided by the inventionly a kind ofly retrieve the method for payment automatically, may further comprise the steps with bank card:
(a) set up specific trade company and user's contract database, be called the contract database of trade company.The specific unique identity id information that comprises the user in the contract database can retrieve particulars of a contract key element automatically according to unique identity id information of user.
(b) user handles bank card in bank, and unique identity id information of the registration user corresponding with bank card information 1-1, and deposits in the database of bank.Wherein, it is identical to deposit the unique identity id information of the user in the contract database of corresponding unique identity id information of banking data base and the bank card information user and trade company in.Banking system can retrieve unique identity id information of user automatically according to user's bank card number information.
(c) when the user by " bank card is retrieved payment system automatically " when paying in, system finds unique identity id information of user at first automatically in the banking data base system according to user's bank card number information.
(d) " bank card is retrieved payment system automatically " with unique identity id information of the user that finds, the contract dataset library inquiry to trade company is searched " with user's the corresponding contract of unique identity id information ".
Through above-mentioned steps (a)-(d), the present invention can comprise following subsequent step:
(e1) when finding " with user's the corresponding contract of unique identity id information " in the contract database in trade company, immediately to " bank card is retrieved payment system automatically " feedback " user's essence of a contract information ", as: the contract fund amount of money that should pay.
(f1) customer inspection essence of a contract information.Agree payment, then press acknowledgement key.
(g1) transaction is handled, finished to " bank card is retrieved payment system automatically ".
Through above-mentioned steps (a)-(d), the present invention also can comprise following subsequent step:
(e2) when finding " with user's the corresponding contract of unique identity id information " in the contract database in trade company, feed back earlier " requiring the user to import correct contract identifying code ".Wherein, user's contract identifying code has been preserved into database when setting up trade company and user's contract database as one of essence of a contract, and corresponding with unique identity id information 1-1 of user.
(f2) after the user imported correct contract identifying code, system continued feedback " user's essence of a contract information " again, as: the contract fund amount of money that should pay.
(g2) customer inspection essence of a contract information is agreed payment, then presses acknowledgement key.
(h2) transaction is handled, finished to " bank card is retrieved payment system automatically ".
Aforesaidly a kind ofly retrieve the method a～d～e1～g1 and a～d～e2～h2 of payment automatically with bank card, unique identity id information of user wherein can be: user's ID (identity number) card No.; It also can be user's phone number; It also can be user's fixed telephone number; It also can be user's E-MAIL address; It also can be user's SSN (social security number); It also can be business member's card number of user.
Provided by the inventionly a kind ofly retrieve the method for payment automatically with bank card, be applied in the POS of the Unionpay machine self-help payment system, its concrete step comprises:
1): trade company cooperates with the Unionpay, uses method foundation of the present invention and retrieves payment system automatically based on the bank card of the POS of Unionpay machine, and comprising: the bank card of " the contract database service platform of trade company " of trade company's end and Unionpay's end is retrieved payment system automatically.Wherein, " the contract database service platform of trade company " of trade company's end both can be " the contract database service platform of independent trade company ", also can be " service platform of the unified trade company contract database of integrated each trade company's contract database ".
2): the user is behind the merchant purchasing commodity, and its order contract information is kept in the contract database service platform of trade company.
3): the user imports correct bank's card number and password and enters self-help payment system of Unionpay to the POS of Unionpay machine.
4): the user selects " bank card is retrieved payment system automatically " corresponding function button.
5): " bank card is retrieved payment system automatically " inquires earlier unique identity id information of user in the bank card data storehouse by " card number of user's bank card ".
6): " bank card is retrieved payment system automatically ", again unique identity id information of user is issued " contract database of trade company " service platform.
7): " contract database of trade company " service platform, retrieve in " contract database of trade company " with " unique identity id information of user ".
8): " contract database of trade company " service platform, the element information with user's contract of retrieving feeds back to " bank card is retrieved payment system automatically ", and shows on POS machine screen, allows customer inspection confirm.
9): the user confirms errorless, agrees payment, then presses acknowledgement key.
10): transaction and feedback result are handled, finished to " bank card is retrieved payment system automatically ".
Provided by the inventionly a kind ofly retrieve the method for payment automatically with bank card, be applied in the self-help payment system of Web bank, its concrete step comprises:
1): trade company cooperates with the bank, uses method foundation of the present invention and retrieves payment system automatically based on the bank card of bank system of web, and comprising: the bank card of " the contract database service platform of trade company " of trade company's end and bank's end is retrieved payment system automatically.Wherein, " the contract database service platform of trade company " of trade company's end both can be " the contract database service platform of independent trade company ", also can be " service platform of the unified trade company contract database of integrated each trade company's contract database ".
2): the user is behind the merchant purchasing commodity, and its order contract information is kept in the contract database service platform of trade company.
3): the user in the bank, imports correct bank's card number and password and enters bank system of web on the net.
4): the user directly clicks " bank card is retrieved payment system automatically " corresponding function button.
5): " bank card is retrieved payment system automatically " inquires earlier unique identity id information of user in the bank card data storehouse by " card number of user's bank card ".
6): " bank card is retrieved payment system automatically ", again unique identity id information of user is issued " contract database of trade company " service platform.
7): " contract database of trade company " service platform, retrieve in " contract database of trade company " with " unique identity id information of user ".
8): " contract database of trade company " service platform, the element information with user's contract of retrieving feeds back to " bank card is retrieved payment system automatically ", and demonstrates and allow customer inspection confirm.
9): the user confirms errorless, agrees payment, then presses acknowledgement key.
10): transaction and feedback result are handled, finished to " bank card is retrieved payment system automatically ".
Provided by the inventionly a kind ofly retrieve the method for payment automatically with bank card, be applied in the self-help payment system of telephone bank, its concrete step comprises:
1): trade company cooperates with the bank, uses method foundation of the present invention and retrieves payment system automatically based on the bank card of telephone bank system, and comprising: the bank card of " the contract database service platform of trade company " of trade company's end and bank's end is retrieved payment system automatically.Wherein, " the contract database service platform of trade company " of trade company's end both can be " the contract database service platform of independent trade company ", also can be " service platform of the unified trade company contract database of integrated each trade company's contract database ".
2): the user is behind the merchant purchasing commodity, and its order contract information is kept in the contract database service platform of trade company.
3): the user imports correct bank's card number and password and enters telephone bank system to telephone bank.
4): the user selects " bank card is retrieved payment system automatically " corresponding function key by telephone bank's voice suggestion.
5): " bank card is retrieved payment system automatically " inquires earlier unique identity id information of user in the bank card data storehouse by " card number of user's bank card ".
6): " bank card is retrieved payment system automatically ", again unique identity id information of user is issued " contract database of trade company " service platform.
7): " contract database of trade company " service platform, retrieve in " contract database of trade company " with " unique identity id information of user ".
8); " contract database of trade company " service platform, the element information with user's contract of retrieving feeds back to " bank card is retrieved payment system automatically ".
9): " bank card is retrieved payment system automatically " of telephone bank by call voice prompting " element information that needs user's contract of payment ", allows customer inspection confirm.
10): the user confirms errorless, agrees payment, then by " affirmation " corresponding function key.
11): transaction and feedback result are handled, finished to " bank card is retrieved payment system automatically " of telephone bank.
Provided by the inventionly a kind ofly retrieve the method for payment automatically with bank card, be applied in the automatic teller machine self-help payment system, its concrete step comprises:
1): trade company cooperates with the bank, uses method foundation of the present invention and retrieves payment system automatically based on the bank card of bank cashier machine system, and comprising: the bank card of " the contract database service platform of trade company " of trade company's end and bank's end is retrieved payment system automatically.Wherein, " the contract database service platform of trade company " of trade company's end both can be " the contract database service platform of independent trade company ", also can be " service platform of the unified trade company contract database of integrated each trade company's contract database ".
2): the user is behind the merchant purchasing commodity, and its order contract information is kept in the contract database service platform of trade company.
3): the user enters banking system to correct bank's card number and the password of bank cashier machine input
4): the user directly clicks " bank card is retrieved payment system automatically " corresponding function button.
5): " bank card is retrieved payment system automatically " inquires earlier unique identity id information of user in the bank card data storehouse by " card number of user's bank card ".
6): " bank card is retrieved payment system automatically ", again unique identity id information of user is issued " contract database of trade company " service platform.
7): " contract database of trade company " service platform, retrieve in " contract database of trade company " with " unique identity id information of user ".
8); " contract database of trade company " service platform, the element information with user's contract of retrieving feeds back to " bank card is retrieved payment system automatically ", and shows on the automatic teller machine screen, allows customer inspection confirm.
9): the user confirms errorless, agrees payment, then presses acknowledgement key.
10): transaction and feedback result are handled, finished to " bank card is retrieved payment system automatically ".
Beneficial effect
Method of the present invention compared with prior art, its beneficial effect is: when paying in bank card is self-service, the user can reduce or eliminate loaded down with trivial details finding step, reduce or eliminate the uninteresting ID identifying code of memory, make bank card self-help charging speed faster, user interface is more friendly, more convenient, safer, and and then realizes the more trade company of service, user.
Description of drawings
The present invention will be further described below in conjunction with accompanying drawing and an embodiment.
Fig. 1 shows the method flow diagram of retrieving payment system according to the bank card of the train ticket ticket fee of a preferred embodiment of the present invention automatically.
Fig. 2 is an outline flowchart of the present invention.
Embodiment
Of the present inventionly a kind ofly retrieve the method for payment automatically with bank card, as follows in the concrete application that train ticket is self-service to be paid in:
With reference to Fig. 1, the method flow that the train ticket ticket fee is retrieved payment automatically with bank card number is:
1: cooperate with the Unionpay in the railway station, uses method foundation of the present invention and retrieve payment system 101 automatically based on the bank card of the train ticket ticket fee of POS machine system of Unionpay;
2: the railway station is by the computer telephony system remote vending.When the user passes through the phone booking, need input user's ID (identity number) card No..User's train ticket order information and its identification card number 1-1 corresponding 102 in the booking database;
3: after the booking, the user goes to pay ticket fee near POS machine system of Unionpay.Its method of paying in is:
1) user is on the POS of Unionpay machine, and swiping the card enters " input password " interface 103;
2) after the user inputs correct password, enter services menu interface 104;
3) user selects " bank card is retrieved payment automatically " corresponding function key 105;
4) " bank card is retrieved payment system automatically " retrieves user's train ticket order automatically, and shows on POS machine screen, allows customer inspection confirm 106; Comprise following concrete steps:
4.1) " bank card is retrieved payment system automatically " automatically inquire user's identification card number in the bank card data storehouse by " card number of user's bank card ".
4.2) " bank card is retrieved payment system automatically ", again user's identification card number is issued " train ticket booking database service platform ".
4.3) " train ticket booking database service platform ", retrieve in " train ticket booking database " with " user's identification card number ".
4.4) " train ticket booking database " service platform, with the element information of the user's that retrieves train ticket order, as: train number, time, ticket fee.Feed back to " bank card is retrieved payment system automatically ", and on POS machine screen, show, allow customer inspection confirm.
5): customer inspection is confirmed errorless, agrees payment, then presses acknowledgement key 107;
6): " bank card is retrieved payment system automatically " processing " payment of train ticket order " transaction 108;
7): pay successfully, the POS of Unionpay machine " bank card is retrieved payment system automatically " prints transaction voucher 109.
In sum, a kind of method of retrieving payment automatically with bank card of the present invention may be used in the self-service various systems that pay in of bank card, make bank card self-help charging speed faster, user interface is more friendly, more convenient, safer, and and then realize the more trade company of service, user, be a kind of method with practical value.
Claims (10)
1, a kind ofly retrieve the method for payment automatically, may further comprise the steps with bank card:
(a) set up specific trade company and user's contract database, be called the contract database of trade company.The specific unique identity id information that comprises the user in the contract database can retrieve particulars of a contract key element automatically according to unique identity id information of user.
(b) user handles bank card in bank, and unique identity id information of the registration user corresponding with bank card information 1-1, and deposits in the database of bank.Wherein, it is identical to deposit the unique identity id information of the user in user's the contract database of unique identity id information and trade company of bank card information correspondence of banking data base in.Banking system can retrieve unique identity id information of user automatically according to user's bank card number information.
(c) when the user by " bank card is retrieved payment system automatically " when paying in, system finds unique identity id information of user at first automatically in the banking data base system according to user's bank card number information.
(d) " bank card is retrieved payment system automatically " with unique identity id information of the user that finds, the contract dataset library inquiry to trade company is searched " with user's the corresponding contract of unique identity id information ".
2, the method for claim 1, the present invention can comprise following subsequent step:
(e1): when finding " with user's the corresponding contract of unique identity id information " in the contract database in trade company, immediately to " bank card is retrieved payment system automatically " feedback " user's essence of a contract information ", as: the contract fund amount of money that should pay.
(f1): customer inspection essence of a contract information.Agree payment, then press acknowledgement key.
(g1): transaction is handled, finished to " bank card is retrieved payment system automatically ".
3, the method for claim 1, the present invention also can comprise following subsequent step:
(e2): when finding " with user's the corresponding contract of unique identity id information " in the contract database in trade company, feed back earlier " requiring the user to import correct contract identifying code ".Wherein, user's contract identifying code has been preserved into database when setting up trade company and user's contract database as one of essence of a contract, and corresponding with the unique identity id information of user 1-1.
(f2): after the user imported correct contract identifying code, system continued feedback " user's essence of a contract information " again, as: the contract fund amount of money that should pay.
(g2): customer inspection essence of a contract information, agree payment, then press acknowledgement key.
(h1): transaction is handled, finished to " bank card is retrieved payment system automatically ".
4, as the described method of claim 1～3, unique identity id information of user wherein can be: user's phone number.
5, as the described method of claim 1～3, unique identity id information of user wherein also can be user's a fixed telephone number.
6, as the described method of claim 1～3, unique identity id information of user wherein also can be user's E-MAIL address.
7, as the described method of claim 1～3, unique identity id information of user wherein also can be that user's business member blocks card number.
8, as the described method of claim 1～7, its feature that is applied in the self-help payment system of Web bank comprises:
1): trade company cooperates with the bank, uses method foundation of the present invention and retrieves payment system automatically based on the bank card of bank system of web, and comprising: the bank card of " the contract database service platform of trade company " of trade company's end and bank's end is retrieved payment system automatically.Wherein, " the contract database service platform of trade company " of trade company's end both can be " the contract database service platform of independent trade company ", also can be " service platform of the unified trade company contract database of integrated each trade company's contract database ".
2): after the user inputs bank's card number and password and enters Web bank, directly click " bank card is retrieved payment system automatically " corresponding function button.
3): " bank card is retrieved payment system automatically " inquires earlier unique identity id information of user in the bank card data storehouse by " card number of user's bank card ".
4): " bank card is retrieved payment system automatically ", again unique identity id information of user is issued " contract database of trade company " service platform.
5): " contract database of trade company " service platform, retrieve in " contract database of trade company " with " unique identity id information of user ".
6); " contract database of trade company " service platform, the element information with user's contract of retrieving feeds back to " bank card is retrieved payment system automatically ", and demonstrates and allow customer inspection confirm.
7): the user confirms errorless, agrees payment, then presses acknowledgement key.
8): transaction and feedback result are handled, finished to " bank card is retrieved payment system automatically ".
9, as the described method of claim 1～7, its feature that is applied in the self-help payment system of telephone bank comprises:
1): trade company cooperates with the bank, uses method foundation of the present invention and retrieves payment system automatically based on the bank card of telephone bank system, and comprising: the bank card of " the contract database service platform of trade company " of trade company's end and bank's end is retrieved payment system automatically.Wherein, " the contract database service platform of trade company " of trade company's end both can be " the contract database service platform of independent trade company ", also can be " service platform of the unified trade company contract database of integrated each trade company's contract database ".
2): after the user inputs bank's card number and password and enters telephone bank system,, directly select " bank card is retrieved payment system automatically " corresponding function key by telephone bank's voice suggestion.
3): " bank card is retrieved payment system automatically " inquires earlier unique identity id information of user in the bank card data storehouse by " card number of user's bank card ".
4): " bank card is retrieved payment system automatically ", again unique identity id information of user is issued " contract database of trade company " service platform.
5): " contract database of trade company " service platform, retrieve in " contract database of trade company " with " unique identity id information of user ".
6); " contract database of trade company " service platform, the element information with user's contract of retrieving feeds back to " bank card is retrieved payment system automatically ".
7): " bank card is retrieved payment system automatically " of telephone bank by call voice prompting " element information that needs user's contract of payment ", allows customer inspection confirm.
8): the user confirms errorless, agrees payment, then by " affirmation " corresponding function key.
9): transaction and feedback result are handled, finished to " bank card is retrieved payment system automatically " of telephone bank.
10, as the described method of claim 1～7, its feature that is applied in the automatic teller machine self-help payment system comprises:
1): trade company cooperates with the bank, uses method foundation of the present invention and retrieves payment system automatically based on the bank card of bank cashier machine system, and comprising: the bank card of " the contract database service platform of trade company " of trade company's end and bank's end is retrieved payment system automatically.Wherein, " the contract database service platform of trade company " of trade company's end both can be " the contract database service platform of independent trade company ", also can be " service platform of the unified trade company contract database of integrated each trade company's contract database ".
2): the user is behind the merchant purchasing commodity, and its order contract information is kept in the contract database service platform of trade company.
3): the user enters banking system to correct bank's card number and the password of bank cashier machine input
4): the user directly clicks " bank card is retrieved payment system automatically " corresponding function button.
5): " bank card is retrieved payment system automatically " inquires earlier unique identity id information of user in the bank card data storehouse by " card number of user's bank card ".
6): " bank card is retrieved payment system automatically ", again unique identity id information of user is issued " contract database of trade company " service platform.
7): " contract database of trade company " service platform, retrieve in " contract database of trade company " with " unique identity id information of user ".
8); " contract database of trade company " service platform, the element information with user's contract of retrieving feeds back to " bank card is retrieved payment system automatically ", and shows on the automatic teller machine screen, allows customer inspection confirm.
9): the user confirms errorless, agrees payment, then presses acknowledgement key.
10): transaction and feedback result are handled, finished to " bank card is retrieved payment system automatically ".
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100744553A CN101009006A (en) | 2004-10-15 | 2005-09-14 | Method for auto-retrieval payment by bankcard |
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200410085363 | 2004-10-15 | ||
| CN200410085363.6 | 2004-10-15 | ||
| CNA2006100744553A CN101009006A (en) | 2004-10-15 | 2005-09-14 | Method for auto-retrieval payment by bankcard |
Related Parent Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2005100993477A Division CN1783142A (en) | 2004-10-15 | 2005-09-14 | Automatic searching and paying method for bank card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101009006A true CN101009006A (en) | 2007-08-01 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2006100744553A Pending CN101009006A (en) | 2004-10-15 | 2005-09-14 | Method for auto-retrieval payment by bankcard |
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| CN (1) | CN101009006A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102385737A (en) * | 2010-08-30 | 2012-03-21 | 宋清然 | Credit card system with bar code and method for integrating credit card function and membership card function into one body |
| CN102609837A (en) * | 2012-01-21 | 2012-07-25 | 伯泰雄森（北京）网络科技有限公司 | Payment method and payment system based on correlated specific information and terminal number |
| CN102956013A (en) * | 2011-08-26 | 2013-03-06 | 宋清然 | Debit card system with bar code, and method integrating functions of debit card and membership card |
| CN104200376A (en) * | 2014-08-22 | 2014-12-10 | 深圳市淘淘谷信息技术有限公司 | Method for achieving purpose of enabling consumer to enjoy merchant member benefits by swiping bank card based on bank card system |
-
2005
- 2005-09-14 CN CNA2006100744553A patent/CN101009006A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102385737A (en) * | 2010-08-30 | 2012-03-21 | 宋清然 | Credit card system with bar code and method for integrating credit card function and membership card function into one body |
| CN102956013A (en) * | 2011-08-26 | 2013-03-06 | 宋清然 | Debit card system with bar code, and method integrating functions of debit card and membership card |
| CN102609837A (en) * | 2012-01-21 | 2012-07-25 | 伯泰雄森（北京）网络科技有限公司 | Payment method and payment system based on correlated specific information and terminal number |
| CN104200376A (en) * | 2014-08-22 | 2014-12-10 | 深圳市淘淘谷信息技术有限公司 | Method for achieving purpose of enabling consumer to enjoy merchant member benefits by swiping bank card based on bank card system |
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