CN101216928A - A membership card of card-to-card foundation transferring and management and settlement system - Google Patents
A membership card of card-to-card foundation transferring and management and settlement system Download PDFInfo
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- CN101216928A CN101216928A CNA2007100342136A CN200710034213A CN101216928A CN 101216928 A CN101216928 A CN 101216928A CN A2007100342136 A CNA2007100342136 A CN A2007100342136A CN 200710034213 A CN200710034213 A CN 200710034213A CN 101216928 A CN101216928 A CN 101216928A
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Abstract
A membership card for transferring a donation of money from card to card and a management settlement system are provided. The system uses the customer's debit card of the nominated bank via swinging the principal card in the consumption of the authorized consumptive places, such as, shopping, dining and drinking, entertainment, lodging etc, transfers the balance generating from the consolidation of the oddment less than 100 yuan according to the signed voluntary agreement, and implements the card-to-card donation of the installment savings and the quota donation. The lump-sum withdrawal of the money subtracted from the donation according to the stipulation quota should use the supplementary card after one year and the annual interest rate sanctified by People's Bank of China is obtained. With the KK symbol and effectively extending the resource of bank accounts, the system has the functions of recognizing and transferring the account payable, the due deposit and the due donation, and printing the three data according to the demands. The system is applicable to the member expansion of the banks and the emporiums and the marketing activities.
Description
Technical field
The present invention relates to member card and the management settlement system of a kind of card to card transfer donation, is the novel account management settlement mode of bank account resource capacity expansion.
Background technology
Because electronics POS and POS machine terminal be in the widespread use in consumption place, a kind of new consumption pattern agitatedly and emerging, Here it is bankcard consumption.
It is reported that by in June, 2006, all banks card issued volume has reached 9.6 hundred million, 13.4 hundred million of inter-bank transaction stroke counts, the inter-bank dealing money reaches 7,574 hundred million yuan.The POS bankcard consumption of so popularizing and huge bankcard consumption amount allow the small amount endowment drives of card to card transfer donation form become possibility.
But, existing being becoming tight bank account resource day.Have no alternative but, threshold can only be registered one's residence as means take cleaning small amount account, raising by bank, guarantees effective utilization of existing account resource.It is the market point of penetration that the present invention solicits contributions the small amount of card transfer donation form with card, and member card and the management settlement system of a kind of card to card transfer donation is provided, and provides condition for realizing the maximization of bank account resource.
Now, associated POS system is the payment system that refund, bill pay the fees of transferring accounts, and what advocate is consumer behavior, does not relate to the correlation function of contributing money in the bankcard consumption as yet, cause a very potential charitable contribution market to be ignored by people, Here it is blocks card transfer donation.If on existing POS system basis, the exploitation card is to the member card and the management settlement system of card transfer donation, does can be not be when expanding account resource for bank, the chronicity small amount contribution activity that participates in for numerous citizen provide a huge platform efficiently?
Summary of the invention
The problem to be solved in the present invention is, at the numerous common people of the current society small amount endowment drives scarcity that participates in of teenager particularly, teenager's overconsumption is not good at financing, lacks situations such as love.Member card and the management settlement system of a kind of card to card transfer donation is provided, when bankcard consumption in the mode of " odd consolidation, remaining sum are donated " and " installment, quota contribution ", to arrive dozens of yuan greatly, little several installments of sharing money to several angles, allow each consumer in process of consumption, participate in the card card donation activity that installment is showed loving heart unawares, realize " volume greatly can be self-service, in case of need; The volume I is helped, with most charitable power " purpose, creates a kind of love of the most direct, the easiest, tool property of participation and contributes money mode.
Proposing a kind of member card of card to card transfer donation and the demand of management settlement system is that based on following consideration: the report according to the Committee of Development and Reform shows that Current Chinese Urban Resident Income Gap Gini coefficient has reached 0.46, surpasses international warning line.How to narrow the gap between the rich and poor, become a great problem of current society." administering poor " or " robbing rich "? card to card " administering poor " scheme of donation of transferring when the present invention has namely proposed bankcard consumption that a cities and towns moderate and low-income citizens even poor crowd all can participate in.
Technical solution of the present invention is that a kind of card is to the member card and the management settlement system of card transfer donation.This system is, utilize the consumer to hold appointed bank's deposit card, in the main card mode of swiping the card, in such as contributing consumption place processs of consumption such as shopping, diet, amusement, lodgings, according to the deposit card voluntary compliance agreement of signing, with the remaining sum that the odd consolidation below hundred yuan produces, the deposit card account's of appointed bank that transfers supplement card account, the card of implementing installment, quota contribution is to the card contribution.
Above-mentioned a kind of card is meant the member card of card transfer donation and the appointed bank's deposit card in the management settlement system, deposits card by the attached account's brush of the master who supplements with money of appointed bank's distribution.And above-mentioned transferring is meant, by the POS machine terminal in above-mentioned consumption place, swipes the card to carry out and deposits the management settlement system that card voluntary compliance agreement content compilation program is constituted according to brush.
Above-mentioned a kind of card is meant the member card and the management settlement system of card transfer donation, is sign with " KK " prefix, in order to expand the member management and the settlement system of bank account resource.This system is except the data processing function with general system of accounts, it is characterized in that having identification and the main attached card account that transfers contribute-, contribute+data processing function, can accurately finish the main card account account payable, should deposit, should contribute money and attached card account's pay (take) money, the data of being contributed money are settled accounts, and can be printed as required above-mentioned data.
The member card of a kind of card to card transfer donation of the present invention and management settlement system are, propose for every month round bank of people small amount psychology concerned about face-saving of saving and the trouble of waiting in line, card to card transfer donation mode during a kind of bankcard consumption, its essence is financial business is extended to commercial network, and implement electronics contribution activity by network system.The consumer only needs to sign brush in appointed bank and deposits card use agreement, the main brush that can obtain issued by banks is deposited card and supplement card, holding main brush deposits when being stuck in the contributing consumption place such as market, hotel, diet, amusement bankcard consumption supplement card is contributed money, with institute's contribution installment, and with the contribution amount that agreement is arranged, offer as a tribute the love of oneself.Its embodiment is, as agreement people during at above-mentioned contributing consumption place bankcard consumption, cashier's declaring voluntarily in contributing consumption place according to the agreement people, remaining sum with the odd consolidation generation below hundred yuan, with way of allocation, the main brush of use appointed bank that the consumer holds is deposited the POS machine terminal that is stuck in above-mentioned contributing consumption place and is swiped the card, by member card and the management settlement system of a kind of card of the present invention of appointed bank's structure to card transfer donation, deposit from consumer's main brush and to reduce its trade account payable the card account, should deposit and should contribute money three funds, after supervision account system confirms the settlement data of handling, sign by the consumer, settlement center transfers and easily changes amount, realize bankcard consumption and block, finish settlement process the card contribution.The data supporting of the member card of a kind of card to card transfer donation of the present invention that the appointed bank that it need to link to each other with POS machine terminal makes up and management settlement system.Its rule is that the attached brush of accepting donations is deposited card and can not arbitrarily be drawn savings, can only swipe the card by the POS machine terminal in consumption place and obtain canned data.Hold whole the getting by agreement agreement amount of supplement card in 1 year after at the expiration and reduce fund after the contribution, and obtain the Annual Percentage Rate according to People's Bank of China's approval.
For cash contribution mode, card to card transfer donation mode has its specific advantages: at first, card to card transfer donation is man-to-man contribution, and the contributor is clear that contribution object and purposes, and charitable prestige is protected; Secondly, the bank card means of payment of swiping the card is adopted in contribution, is not contributed money the amount of money and number of times limits, and arrives greatly dozens of yuan, little to several angles several sharing money all can donate; Its three, as long as bankcard consumption just can participate in the contribution activity, it participates in the regular of the popularity of colony and bankcard consumption, makes card block the contribution activity and has condensed continuously a huge sum of money, creation Involvement of public community, the effect that the whole people are charitable; Its four, needn't worry that social third party's payment platform reveals contribution information, satisfy contributor's psychological needs; Its five, can be bank and maximum magnitude ground, market and make up member alliance, enlarge to greatest extent the bankcard consumption amount.
The member card of a kind of card to card transfer donation of the present invention and management settlement system can possess in shopping, diet, amusement and hotel etc. the consumption place of POS machine terminal and implement.
Expectation relevant departments adopt the present invention, develop this huge charitable contribution market.Its beneficial effect is that bank can obtain huge deposit, increases the bankcard consumption amount; The market can make up huge member colony thus, stablizes the client of oneself; But common people's installment is accumulated wealth, and One good turn deserves another; Poor crowd can obtain to contribute money endlessly, really achieves many things at one stroke, and very is of value to social harmony.
Embodiment
Embodiment 1: certain bank is for showing charitable image, carries out member's marketing activity of canvassing for deposits, and determines to adopt the present invention, makes up member card and the management settlement system of card to card transfer donation, and the development brush is deposited the card member big customer that contracts.
Suppose, hold the brush deposit card signatory member big customer at contributing market shopping, its settlement money is 168 yuan.The cashier in contributing market declares according to signatory member's, is 200 yuan with 168 yuan of consolidations, 32 yuan of voluntary installments of remaining sum.The cashier deposits card by signatory member master's brush, swipes the card in the POS in this market machine terminal, with 200 yuan of consolidation, by the member card management settlement system of the card to card transfer donation that links to each other with POS machine terminal, brushes to deposit the card account from consumer main and reduces.Simultaneously, this card to the member card of card transfer donation management settlement system send instruction from 200 yuan of funds, separate 32 yuan should deposit with 3.2 yuan should contribute money (should deposit 10%), the attached brush of transferring is deposited card.After supervision account system confirmed the settlement data of processing, by consumer's signature, settlement center transferred and easily changes amount, realizes bankcard consumption and card to card contribution, finishes settlement process.Its rule is that attached brush deposits card and can not arbitrarily draw the fund of being stored, can only be by the application system and the POS machine terminal of bank data net, and inquiry canned data, the integration information and print the detailed list of contents such as comprising tax (depositing) amount of money volume, integration number of swiping the card.Hold whole the getting by agreement agreement amount of supplement card in 1 year after at the expiration and reduce fund after the contribution, and obtain the Annual Percentage Rate according to People's Bank of China's approval.
Embodiment 2: certain bank is for showing charitable image, carry out member's marketing activity of canvassing for deposits, determine to adopt the present invention, make up member card and the management settlement system of card to card transfer donation, releasing quota for cities and towns middle and low income citizen is that 100 yuan (or 500 yuan, 1000 yuan) brush is deposited card, and the development brush is deposited the signatory member of card.
Deposit the card use agreement according to the brush of signing, this brush deposit card 10% for should deposit item, and should deposit item 10% for contributing money.Suppose, hold 100 yuan of quota brushes and deposit the signatory member of card when the bankcard consumption of contributing consumption place.The cashier deposits card with signatory member's main brush, swipes the card in the POS in this market machine terminal, with consumer's trade account payable, by the member card management settlement system of the card to card transfer donation that links to each other with POS machine terminal, brushes to deposit the card account from signatory member main and reduces.Simultaneously, the member card of this card to card transfer donation management settlement system is sent instruction and should be deposited 10 yuan (brushes deposit 100 yuan of card face amounts 10%), should contribute money 1 yuan (should deposit 10 yuan 10%), the attached brush of transferring is deposited card, after supervision account system confirms the settlement data of processing, signed by the consumer, settlement center transfers and easily changes amount, realizes bankcard consumption and card to card contribution, finishes settlement process.Its rule is that attached brush deposits card and can not arbitrarily draw the fund of being stored, can only be by the application system and the POS machine terminal of bank data net, and inquiry canned data, the integration information and print the detailed list of contents such as comprising tax (depositing) amount of money volume, integration number of swiping the card.Hold whole the getting by agreement agreement amount of supplement card in 1 year after at the expiration and reduce fund after the contribution, and obtain the Annual Percentage Rate according to People's Bank of China's approval.
Embodiment 3: certain contributing market determines to adopt member card and the management settlement system of a kind of card to card transfer donation of the present invention in order to expand and stable member client, implements " you contribute money, and I check " shopping and returns member's advertising campaign of tax.
Suppose that valency is 2680 yuan behind the folding of 32 cun colour television sets, the market is returned and is contributed 10 yuan of cashes.Deposit card use agreement according to the brush that the client signs, the cashier deposits the POS machine terminal that is stuck in this market with signatory member's main brush and swipes the card, with 2680 yuan of signatory member's trade account payables, by the member card management settlement system of the card to card transfer donation that links to each other with POS machine terminal, deposit the card account from consumer's main brush and to reduce.Simultaneously, the member card of this card to card transfer donation management settlement system is sent instruction and should be deposited 10 yuan (market is returned and contributed cash), should contribute money 1 yuan (should deposit 10 yuan 10%), the attached brush of transferring is deposited card, after supervision account system confirms the settlement data of processing, signed by the consumer, settlement center transfers and easily changes amount, realizes bankcard consumption and card to card contribution, finishes settlement process.Its rule is that attached brush deposits card and can not arbitrarily draw the fund of being stored, can only be by the application system and the POS machine terminal of bank data net, and inquiry canned data, the integration information and print the detailed list of contents such as comprising tax (depositing) amount of money volume, integration number of swiping the card.Hold whole the getting by agreement agreement amount of supplement card in 1 year after at the expiration and reduce fund after the contribution, and obtain the Annual Percentage Rate according to People's Bank of China's approval.
Claims (4)
- The member card of a card to card transfer donation and the management settlement system.This system is, utilize the consumer to hold appointed bank's deposit card, in the main card mode of swiping the card, in such as contributing consumption place processs of consumption such as shopping, diet, amusement, lodgings, according to the deposit card voluntary compliance agreement of signing, with the remaining sum that the odd consolidation below hundred yuan produces, the deposit card account's of appointed bank that transfers supplement card account, the card of implementing installment, quota contribution is to the card contribution.
- 2. according to the described a kind of card of claim 1 member card of card transfer donation and the appointed bank's deposit card in the management settlement system are meant, deposit card by the attached account's brush of the master who supplements with money of appointed bank's distribution.
- 3. according to the described a kind of card of claim 1 transferring in the member card of card transfer donation and the management settlement system is meant, by the POS machine terminal in above-mentioned consumption place, swipe the card to carry out and deposit the management settlement system that card voluntary compliance agreement content compilation program is constituted according to brush.
- 4. being meant according to the member card and the management settlement system of the described a kind of card of claim 3 to card transfer donation, is sign with " KK " prefix, in order to expand the member management and the settlement system of bank account resource.This system is except the data processing function with general system of accounts, it is characterized in that having identification and the main attached card account that transfers contribute-, contribute+data processing function, can accurately finish the main card account account payable, should deposit, should contribute money and attached card account's pay (take) money, the data of being contributed money are settled accounts, and printed as required above-mentioned data.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100342136A CN101216928A (en) | 2007-01-05 | 2007-01-05 | A membership card of card-to-card foundation transferring and management and settlement system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100342136A CN101216928A (en) | 2007-01-05 | 2007-01-05 | A membership card of card-to-card foundation transferring and management and settlement system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101216928A true CN101216928A (en) | 2008-07-09 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007100342136A Pending CN101216928A (en) | 2007-01-05 | 2007-01-05 | A membership card of card-to-card foundation transferring and management and settlement system |
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| Country | Link |
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| CN (1) | CN101216928A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102411744A (en) * | 2011-12-29 | 2012-04-11 | 遵义市亿易通科技网络有限责任公司 | City one-card payment system |
| CN102667837A (en) * | 2009-10-29 | 2012-09-12 | 国际签证服务协会 | Sponsored accounts for computer-implemented payment system |
| CN104700342A (en) * | 2015-03-31 | 2015-06-10 | 薛关炜 | Social assistance system based on C2C mode |
| CN106022551A (en) * | 2015-03-26 | 2016-10-12 | Sk普兰尼特有限公司 | Method for providing for one-barcode service, and system therefor |
-
2007
- 2007-01-05 CN CNA2007100342136A patent/CN101216928A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102667837A (en) * | 2009-10-29 | 2012-09-12 | 国际签证服务协会 | Sponsored accounts for computer-implemented payment system |
| CN102411744A (en) * | 2011-12-29 | 2012-04-11 | 遵义市亿易通科技网络有限责任公司 | City one-card payment system |
| CN106022551A (en) * | 2015-03-26 | 2016-10-12 | Sk普兰尼特有限公司 | Method for providing for one-barcode service, and system therefor |
| CN106022551B (en) * | 2015-03-26 | 2020-05-15 | Sk 普兰尼特有限公司 | Method for providing single barcode service and system thereof |
| CN104700342A (en) * | 2015-03-31 | 2015-06-10 | 薛关炜 | Social assistance system based on C2C mode |
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Open date: 20080709 |