CN101116098A - 用于再充值信用卡的电子系统和方法 - Google Patents

用于再充值信用卡的电子系统和方法 Download PDF

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CN101116098A
CN101116098A CNA2006800044499A CN200680004449A CN101116098A CN 101116098 A CN101116098 A CN 101116098A CN A2006800044499 A CNA2006800044499 A CN A2006800044499A CN 200680004449 A CN200680004449 A CN 200680004449A CN 101116098 A CN101116098 A CN 101116098A
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money
credit card
central processing
processing unit
bank
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法比奥·G·A·科里奥尼
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems

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Abstract

一种用于再充值预付信用卡/付款卡的电子系统，该卡在电子银行交易的电信网上是有效的，该电子系统包括：中央处理单元(2)，一系列电子终端(3)，其中借助于通信信道(4)，用户可以实施与所述中央处理单元连接的银行交易。

Description

用于再充值信用卡的电子系统和方法
技术领域
本发明涉及用于再充值信用卡/付款卡或电子钱包或借贷卡的电子系统和方法。
具体地说，本发明涉及用于再充值预付和可能匿名型信用卡的电子系统和方法。
背景技术
所谓预付的信用卡，即，银行发行的信用卡，并且该卡也可以通过现金付款方式从所述银行柜台匿名地购买，是众所周知的。这些信用卡有预定的存款(credit)并可以在信用卡形式下使用，例如，可以通过互联网购物，或自动提款机的形式，借助于熟知的POS终端，用于提取现金或付款。
可以利用现金购买所有已知固定或移动电话经营者发行的电话卡或电话码(PIN)，以及利用它可以再冲值移动电话的电话存款，它们也都是众所周知的。
本申请人的目的是，借助于简单的电话或远程信息处理操作，允许以简单和可靠的方式再充值预付的信用卡。
为此目的，本申请人发现，利用类似于电话再充值的方式，可以有效地实现再充值这些卡的极其简单方法，例如，利用预付的再充值电话卡。
发明内容
本发明的一个方面涉及一种用于再充值预付信用卡的电子系统，该信用卡在电子银行交易的电信网上是有效的，该电子系统包括：中央处理单元，一系列电子终端，其中借助于通信信道，用户可以实施与所述中央处理单元连接的银行交易，其特征是，它包括：连接到所述中央处理单元的电子再充值单元，该单元能够把电话卡上包含的存款转移到所述预付信用卡的存款上。
本发明的另一个方面涉及一种用于再充值预付信用卡的方法，该信用卡在电子银行交易的电信网上是有效的，该电子系统包括：中央处理单元，一系列电子终端，其中借助于通信信道，用户可以实施与所述中央处理单元连接的银行交易，其特征是，所述方法包括以下的阶段：
·借助于再充值电话服务相关的电子电话再充值管理单元，接受用户方的所述预付信用卡上预定货币量的再充值请求，
·识别所述请求的真实性，
·发送对应于所述预定货币量的剩余存款的更新请求到所述中央处理单元。
附图说明
参照公开的附图，根据以下说明和非限制性描述的一个实施例，按照本发明系统的特征和优点是显而易见的，其中：
图1是电子银行交易的电信网示意图，该电信网是与按照本发明的系统相关。
具体实施方式
参照图1，电子银行交易的电信网包括：中央处理单元2，一系列电子终端3，其中借助于通信信道4，用户可以实施与所述中央处理单元连接的银行交易。
例如，借助于固定线路或无线系统，所述电子终端是直接或间接地连接到用于银行交易的所述电信网。间接连接意味着，利用与所述电信网的至少一个接口，可以实现间接连接。直接连接电子终端的例子是现金自动提款机窗口，借助于CASHOMAT卡或信用卡支付的POS终端，实施国际电子银行交易的终端。
例如，间接连接的例子是借助于电话卡激励的移动电话或固定电话。
有预付信用卡C的用户，即，有预定存款的由银行发行的信用卡，能够在任何所述电子终端3使用该信用卡，可以实现高达预定存款限度的付款或提取现金。
所述中央处理单元2配备运行的数据库21，其中存储每个预付卡利用电子方式实现的银行交易。
按照本发明，通过把与所述中央处理单元2通信的电子再充值单元5与上述的银行电信网相关，能够再充值预付信用卡上的存款一个预定量。所述电子再充值单元5是这样一种单元，它可以与预付电话卡7相关的基本已知型电子电话再充值管理单元6相互作用，人们在多个销售点可以购买到这种预付电话卡。
预付信用卡的再充值操作在于：购买一个所述预付电话卡或PIN码7，以及遵照完全类似于再充值移动电话的引导过程。
例如，利用在预付电话卡上指出的再充值服务的电话号码，可以实现电话呼叫或可以实现电话联系或远程信息处理，用于传输在所购电话卡上指出的预付信用卡的系列号码和密码。当再充值服务是与所述电子电话再充值管理单元6联系时，该管理单元是与所述电子再充值单元5相关，它的作用是更新预付信用卡的存款上一个数值，该数值对应于所购电话卡的价格与在银行电路上，具体是在中央处理单元2上运行的可能佣金之和。
具体地说，按照以下方法实现再充值服务。
借助于电子电话再充值管理单元，电子再充值单元5从用户接受所述预付信用卡上预定量货币的再充值请求。
然后，验证该请求的真实性，并发送对应于所述预定量货币的剩余存款的更新请求到所述中央处理单元。
通过验证该用户发送的至少一个密码，可以验证该请求的真实性。
能够再充值信用卡的次数可以按照发行该卡的银行和再充值系统经理所要求的规定而变化。

Claims (5)

1.一种用于再充值预付信用卡的电子系统，该信用卡在电子银行交易的电信网上是有效的，该电子系统包括：中央处理单元(2)，一系列电子终端(3)，其中借助于通信信道(4)，用户可以实施与所述中央处理单元连接的银行交易，其特征是，它包括：连接到所述中央处理单元(2)的电子再冲值单元(5)，该单元能够把电话卡(7)中包含的存款转移到所述预付信用卡(C)的存款上。
2.按照权利要求1的系统，其中所述电子再充值单元与再充值电话服务相关的电子电话再充值管理单元(6)通信，该管理单元从已购买电话卡的用户接受预付信用卡的再充值请求。
3.按照权利要求1的系统，其中所述电子终端是用于提取现金的现金自动提款机窗口ATM，或借助于CASHOMAT卡或信用卡支付的POS终端，或用于实施国际电子银行交易的终端。
4.一种用于再充值预付信用卡的方法，该信用卡在电子银行交易的电信网上是有效的，该电子系统包括：中央处理单元(2)，一系列电子终端(3)，其中借助于通信信道(4)，用户可以实施与所述中央处理单元连接的银行交易，其特征是，所述方法包括以下的阶段：
●借助于再充值电话服务相关的电子电话再充值管理单元(6)，从用户接受所述预付信用卡(C)上预定货币量的再充值请求，
●识别所述请求的真实性，
●发送对应于所述预定货币量的剩余存款更新请求到所述中央处理单元(2)。
5.按照权利要求4的方法，其中用于识别该请求真实性的所述阶段包括：验证阶段，用于验证该用户发送的至少一个密码。
CNA2006800044499A 2005-02-09 2006-02-07 用于再充值信用卡的电子系统和方法 Pending CN101116098A (zh)

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IT000178A ITMI20050178A1 (it) 2005-02-09 2005-02-09 Sistema e metodo elettronico per ricaricare carte di credito
ITMI2005A000178 2005-02-09

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EP (1) EP1846883A1 (zh)
CN (1) CN101116098A (zh)
AP (1) AP2073A (zh)
BR (1) BRPI0606915A8 (zh)
CA (1) CA2596401A1 (zh)
EA (1) EA011495B1 (zh)
IT (1) ITMI20050178A1 (zh)
MA (1) MA29247B1 (zh)
TN (1) TNSN07308A1 (zh)
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US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
US8893967B2 (en) 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US10255591B2 (en) 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
WO2012122049A2 (en) 2011-03-04 2012-09-13 Visa International Service Association Integration of payment capability into secure elements of computers
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EA200701459A1 (ru) 2008-02-28
AP2073A (en) 2009-12-10
US20080142582A1 (en) 2008-06-19
ITMI20050178A1 (it) 2006-08-10
TNSN07308A1 (en) 2008-12-31
MA29247B1 (fr) 2008-02-01
CA2596401A1 (en) 2006-08-17
AP2007004094A0 (en) 2007-08-31
BRPI0606915A8 (pt) 2017-09-19
UA94392C2 (uk) 2011-05-10
EA011495B1 (ru) 2009-04-28
BRPI0606915A2 (pt) 2009-12-01
EP1846883A1 (en) 2007-10-24
WO2006084707A1 (en) 2006-08-17

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