CN101145229A - Method for associating (binding) bank card for payment adopting the second generation identity card - Google Patents
Method for associating (binding) bank card for payment adopting the second generation identity card Download PDFInfo
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- CN101145229A CN101145229A CNA200710113447XA CN200710113447A CN101145229A CN 101145229 A CN101145229 A CN 101145229A CN A200710113447X A CNA200710113447X A CN A200710113447XA CN 200710113447 A CN200710113447 A CN 200710113447A CN 101145229 A CN101145229 A CN 101145229A
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Abstract
The invention provides a method for correlating (binding) a second-generation resident identity card of the PRC of China (hereinafter referred to as a 2G ID card) and a bank card of the ID card holder for consumption payment and banking operation with the ID card. A bank client bearing the 2G ID card can sign a contract on correlating (binding) the 2G ID card and the effective bank card for consumption payment and banking operation with the commercial bank issuing the bank card and correlates (binds) the unique information (an ID card number, a card serial number, etc.) on the 2G ID card to one (or more) bank card under the name so that through a POS machine, an ATM machine, the client end of an internet bank and a special collating (binding) management platform, the bank client having signed a correlating (binding) contract only needs to carry the 2G ID card to substitute the correlated (bond) bank card for consumption payment, banking operation, etc. Therefore, the method eliminates the possibility that the magnetic strip information of the banking card can be read out or a card can be forged by duplication, guarantees the capital safety of the card holder and, besides, avoids the inconvenience caused by false demagnetization of carried bank cards.
Description
Technical field
The present invention relates to the new method of a kind of financial field reimbursement of expense, particularly a kind of method that adopts second generation resident identification card to carry out reimbursement of expense.
Background technology
China issued first bank card in 1985, and the development of bank card has entered boost phase later on from 2003.By the end of 2007 6 the end of month, have tame card sending mechanism more than 150 within the border and issued near 1,300,000,000 bank cards.Card sending mechanism comprises joint-stock commercial bank, primary commercial bank, municipal commercial bank and rural credit cooperative etc.Each tame bank does not stint for the depositor repeats to apply for card in order to enlarge the savings amount, therefore, the card of several different banks is arranged all in citizen's hand in city.
Along with the lawless person utilizes the raising of the new modus operandi of bank card crime, following case is reported in media often:
South net news " gratuitous disappear surplus in the of 110,000 yuan in my bank card." reader Rao Xiansheng crying on the phone and reflecting the thing of his stolen money to the reporter.Surplus he claimed just to be brushed away 110,000 by other people in 9: 45 to 10: 50 morning of September 19 yuan, and the same day, he had the experience that bank card " is gulped down ".After the incident, Mr. Rao reports a case rapidly, but his those money that disappear suddenly do not have land so far yet.
Evening on May 22nd, 04 is interrogated by the www.xinhuanet.com, citizen Gu Xiansheng holds Bank of Communications's Pacific Ocean debit card and goes to a tame self-help bank to desire to swipe the card to withdraw the money, at that time, not only be provided with a device on the gate inhibition of self-help bank, and a long width of cloth signal language was arranged: " please swipe the card earlier before entering and input password ".Mr. Gu has done one time by this requirement, but the door of self-help bank is motionless, and helplessly he has to leave away.But just in June 10 the same year, find when Mr. Gu withdraws the money that somehow or other has lacked 10068 yuans in the card on the ATM of Bank of Communications, he reports a case to the security authorities to the police after the puzzlement.Originally the deposit in this debit card is withdrawn by the people before a couple of days at twice.After several months, answer to a riddle is just made known when two criminals appear on the defendant's seat of this city one criminal adjudication tribunal of law court.Originally, two of Luo Gan, Chen Qiu wise men stole sign indicating number " specialist ", big robber's sign indicating number device as the palm were installed on the gate inhibition of self-help bank when taking advantage of bank off guard, peep in the dark have the people to be taken in after, be about to steal a sign indicating number device and fetch.Then with steal debit card magnetic strip information and password make false card, seize wherein by the strange land ATM again and deposit.Two people follow the prescribed rules, and flee various places and commit a crime several 10 times, finally be caught, and illicit money are spent freely totally.
In sum, when using the bank card transacting business, easily give lawless person's opportunity.Because magnetic stripe card is easily forged, thereby brings potential safety hazard to fund.
Summary of the invention
For remedying the defective of prior art, the present invention adopts the effective bank card of People's Republic of China's second generation resident identification card association (binding) possessor, replaces its bank card to carry out consumption and payment and banking method of operating with second generation resident identification card.By special-purpose association (binding) management platform being installed and having POS machine, ATM, the Web bank's client that reads the China second-generation identity card informational function, realize the operation of consumption and payment and banking.It is characterized in that, realize that with the second generation resident identification card method of operating step of consumption and payment and banking is:
1) beginning; Open special-purpose association (binding) management platform, open and have POS machine, ATM, the Web bank's client that reads the China second-generation identity card informational function, enter related software, itself and management platform are authenticated mutually, realize registering in legal back, system begins operate as normal.
When 2) carrying out the operation of consumption and payment and banking, with the close Card Reader part that has on POS machine, ATM or the Web bank's client that reads Certification of Second Generation information of China second-generation identity card, whether Card Reader machine identity verification certificate is legal, if legally promptly read China second-generation identity card information and be presented on the screen; Simultaneously the information that reads being encrypted the back by cryptographic algorithm with it transmits to the backstage.Load mode comprises two kinds:
A, send to association (binding) management platform of special use, special-purpose association (binding) management platform receives the information data checking, decipher after, in its database file, search and examine this ID (identity number) card information whether related with bank card (binding); If there be related (binding), special-purpose association (binding) management platform is sent to bank or Unionpay's front end processor with the bank card number of its association (binding), initiates transaction request, carries out existing bank or Unionpay's relationship trading flow process, until finishing; If do not carry out association (binding), then report to the police, point out, this EO.
B, transmit to bank or Unionpay front end processor, bank or Unionpay's front end processor verification msg are complete, legal, association (binding) management platform to special use is sent the authentication analysis request, after special-purpose association (binding) management platform is received information data checking, parsing, in its database file, search and examine this ID (identity number) card information whether related with bank card (binding); If there be related (binding), the bank card number of its association (binding) is sent back to bank to association (binding) management platform of special use or Unionpay is preposition, carries out existing bank or Unionpay's relationship trading flow process, until finishing; If do not carry out association (binding), then return invalid information, this EO.
Advantage of the present invention:
Adopt the effective bank card of People's Republic of China's second generation resident identification card association (binding) possessor, replace its bank card to carry out consumption and payment and banking method of operating with second generation resident identification card, after unique information in the China second-generation identity card holder I.D. (ID (identity number) card No., card serial number etc.) and its (or many) bank card under one's name bound, only need carry holder's China second-generation identity card and can carry out various consumption and payments and operate with banking and handle.Because second generation resident identification card has high level security, can only authorize by public security organ at present, do not find to copy phenomenon, simultaneously, POS machine, ATM and the Web bank's client etc. that can read Certification of Second Generation information have all embedded the safe and secret module by Ministry of Public Security's control, precautionary measures height, can't crack in theory, therefore, solve holder's bank card magnetic strip information and easily be read out, be replicated pseudo-hidden danger of blocking, guaranteed holder's fund security.Also solved simultaneously and carried the inconvenience that bank card is caused by the mistake demagnetization.
Description of drawings
Fig. 1 is the program flow diagram that Certification of Second Generation binding bank card of the present invention is paid.
Embodiment
Embodiment:
The effective bank card of a kind of employing People's Republic of China's second generation resident identification card association (binding) possessor replaces its bank card to carry out consumption and payment and banking method of operating with second generation resident identification card.By special-purpose association (binding) management platform being installed and having POS machine, ATM, the Web bank's client that reads the China second-generation identity card informational function, realize the operation of consumption and payment and banking.It is characterized in that, realize that with the second generation resident identification card method of operating step of consumption and payment and banking is:
1) beginning; Open special-purpose association (binding) management platform, open and have POS machine, ATM or the Web bank's client that reads the China second-generation identity card informational function, enter related software, itself and management platform are authenticated mutually, realize registering in legal back, system begins operate as normal.
When 2) carrying out the operation of consumption and payment and banking, with the close Card Reader part that has on POS machine, ATM or the Web bank's client that reads Certification of Second Generation information of China second-generation identity card, whether Card Reader machine identity verification certificate is legal, if legally promptly read China second-generation identity card information and be presented on the screen; Simultaneously the information that reads being encrypted the back by cryptographic algorithm with it transmits to the backstage.Load mode comprises two kinds:
A, send to association (binding) management platform of special use, special-purpose association (binding) management platform receives the information data checking, decipher after, in its database file, search and examine this ID (identity number) card information whether related with bank card (binding); If there be related (binding), special-purpose association (binding) management platform is sent to bank or Unionpay's front end processor with the bank card number of its association (binding), initiates transaction request, carries out existing bank or Unionpay's relationship trading flow process, until finishing; If do not carry out association (binding), then report to the police, point out, this EO.
B, transmit to bank or Unionpay front end processor, bank or Unionpay's front end processor verification msg are complete, legal, association (binding) management platform to special use is sent the authentication analysis request, after special-purpose association (binding) management platform is received information data checking, parsing, in its database file, search and examine this ID (identity number) card information whether related with bank card (binding); If there be related (binding), the bank card number of its association (binding) is sent back to bank to association (binding) management platform of special use or Unionpay is preposition, carries out existing bank or Unionpay's relationship trading flow process, until finishing; If do not carry out association (binding), then return invalid information, this EO.
Claims (2)
1. one kind is adopted the effective bank card of People's Republic of China's second generation resident identification card association (binding) possessor, replaces its bank card to carry out consumption and payment and banking method of operating with second generation resident identification card.By special-purpose association (binding) management platform being installed and having POS machine, ATM, the Web bank's client that reads the China second-generation identity card informational function, realize the operation of consumption and payment and banking.It is characterized in that, realize that with the second generation resident identification card method of operating step of consumption and payment and banking is:
1) beginning; Open special-purpose association (binding) management platform, open and have POS machine, ATM or the Web bank's client that reads the China second-generation identity card informational function, enter related software, itself and management platform are authenticated mutually, realize registering in legal back, system begins operate as normal.
When 2) carrying out the operation of consumption and payment and banking, with the close Card Reader part that has on POS machine, ATM or the Web bank's client that reads Certification of Second Generation information of China second-generation identity card, whether Card Reader machine identity verification certificate is legal, if legally promptly read China second-generation identity card information and be presented on the screen; Simultaneously the information that reads being encrypted the back by cryptographic algorithm with it transmits to the backstage.Load mode comprises two kinds:
A, send to association (binding) management platform of special use, special-purpose association (binding) management platform receives the information data checking, decipher after, in its database file, search and examine this ID (identity number) card information whether related with bank card (binding); If there be related (binding), special-purpose association (binding) management platform is sent to bank or Unionpay's front end processor with the bank card number of its association (binding), initiates transaction request, carries out existing bank or Unionpay's relationship trading flow process, until finishing; If do not carry out association (binding), then report to the police, point out, this EO.
B, transmit to bank or Unionpay front end processor, bank or Unionpay's front end processor verification msg are complete, legal, association (binding) management platform to special use is sent the authentication analysis request, after special-purpose association (binding) management platform is received information data checking, parsing, in its database file, search and examine this ID (identity number) card information whether related with bank card (binding); If there be related (binding), the bank card number of its association (binding) is sent back to bank to association (binding) management platform of special use or Unionpay is preposition, carries out existing bank or Unionpay's relationship trading flow process, until finishing; If do not carry out association (binding), then return invalid information, this EO.
2. the effective bank card of employing People's Republic of China's second generation resident identification card association as claimed in claim 1 (binding) possessor, replace its bank card to carry out consumption and payment and banking method of operating with second generation resident identification card, it is characterized in that, after unique information in the China second-generation identity card holder I.D. (ID (identity number) card No., card serial number etc.) and its (or many) bank card under one's name bound, only need carry holder's China second-generation identity card and can carry out various consumption and payments and operate with banking and handle.Solve holder's bank card magnetic strip information and easily be read out, be replicated pseudo-hidden danger of blocking, guaranteed holder's fund security.Solved simultaneously and carried the inconvenience that bank card is caused by the mistake demagnetization.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200710113447XA CN101145229A (en) | 2007-10-23 | 2007-10-23 | Method for associating (binding) bank card for payment adopting the second generation identity card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA200710113447XA CN101145229A (en) | 2007-10-23 | 2007-10-23 | Method for associating (binding) bank card for payment adopting the second generation identity card |
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| CN101145229A true CN101145229A (en) | 2008-03-19 |
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| Application Number | Title | Priority Date | Filing Date |
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| CNA200710113447XA Pending CN101145229A (en) | 2007-10-23 | 2007-10-23 | Method for associating (binding) bank card for payment adopting the second generation identity card |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102521772A (en) * | 2011-12-27 | 2012-06-27 | 深圳积享通信息技术有限公司 | Universal identification transaction platform system |
| CN103186755A (en) * | 2011-12-30 | 2013-07-03 | 郑幸鲲 | Device and method utilizing unspecifically issued contactless card to bind and confirm identity of user |
| CN103188238A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Activation method and system of payment account |
| CN103413099A (en) * | 2013-08-22 | 2013-11-27 | 曙光云计算技术有限公司 | Data storage method and device and enciphered data accessing method and device |
| CN106104598A (en) * | 2014-08-15 | 2016-11-09 | 邵通 | A kind of method and system using card public data input Send only Account |
| CN107016545A (en) * | 2017-03-29 | 2017-08-04 | 深圳市国脉畅行科技股份有限公司 | Method and its system for preventing from usurping smart card |
-
2007
- 2007-10-23 CN CNA200710113447XA patent/CN101145229A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102521772A (en) * | 2011-12-27 | 2012-06-27 | 深圳积享通信息技术有限公司 | Universal identification transaction platform system |
| CN103186755A (en) * | 2011-12-30 | 2013-07-03 | 郑幸鲲 | Device and method utilizing unspecifically issued contactless card to bind and confirm identity of user |
| CN103188238A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Activation method and system of payment account |
| CN103188238B (en) * | 2011-12-30 | 2017-11-07 | 上海博泰悦臻电子设备制造有限公司 | The Activiation method and system of payment accounts |
| CN103413099A (en) * | 2013-08-22 | 2013-11-27 | 曙光云计算技术有限公司 | Data storage method and device and enciphered data accessing method and device |
| CN106104598A (en) * | 2014-08-15 | 2016-11-09 | 邵通 | A kind of method and system using card public data input Send only Account |
| CN107016545A (en) * | 2017-03-29 | 2017-08-04 | 深圳市国脉畅行科技股份有限公司 | Method and its system for preventing from usurping smart card |
| CN107016545B (en) * | 2017-03-29 | 2020-09-01 | 深圳市国脉畅行科技股份有限公司 | Method for preventing embezzlement of smart card and system thereof |
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Application publication date: 20080319 |