CN101488263A - Smart card payment system and method used for paying in food market - Google Patents
Smart card payment system and method used for paying in food market Download PDFInfo
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- CN101488263A CN101488263A CNA2008100659282A CN200810065928A CN101488263A CN 101488263 A CN101488263 A CN 101488263A CN A2008100659282 A CNA2008100659282 A CN A2008100659282A CN 200810065928 A CN200810065928 A CN 200810065928A CN 101488263 A CN101488263 A CN 101488263A
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Abstract
The invention discloses an intelligent card payment system and a method for payment during shopping in a food market. The system comprises vegetable buying cards (1) of each card holder, cashing machines (2) of each commercial tenant, and a card center (3); the commercial tenants deduct the payment sum in the electronic cash balance stored in the vegetable buying cards (1) of the card holders by the cashing machines (2) when the card holders purchase and pay, then the cashing machines (2) transmit the trade records like the payment sum, the identifying numbers of the vegetable buying cards (1), the identifying numbers of the cashing machines (2) to the card center (3) by a mobile phone network (4), and the card center (3) stores the money of the payment sum to the shop account of the gathering commercial tenants according to the trade records. The invention has the advantage that the card holders not only can use the vegetable buying cards (1) to purchase and pay, but also can hand the vegetable buying cards (1) to servants to buy vegetables in the food market without handing cash to the servants; moreover, the card holders can search the trade records of the vegetable buying cards (1) afterwards, thus being capable of avoiding the servants from embezzling the money for buying the vegetables in secret.
Description
[technical field]
The present invention relates to technical field of intelligent card, particularly relate to a kind of smart card payment system and method that is used for food market when shopping payment purposes.
[background technology]
Current common people are when do shopping in the food market, typically using the payment of cash and coin, and look for banknote and the coin that continues, is very dirty sometimes, especially the pedlar who sells fish to some does shopping, look for the banknote that continues and coin often not only wet but also dirty, even have fish blood etc., client receives to look for and continues to return not only wet but also dirty banknote and coin, as be put into the wallet wallet of will making dirty, client's the hand of can making dirty again in hand held, very extremely awkward, be a problem extremely to be solved.In addition, some have engaged servant's family, these work of cooking of buying vegetables are responsible for by the servant usually, generally give servant's cash money of buying vegetables in advance by customer, the servant uses these money of buying vegetables to buy vegetables to the food market then, and partly dishonest servant can utilize this chance, annexs the money of partly buying vegetables in the dark, making customer sustain a loss, is a problem extremely to be solved.
[summary of the invention]
Purpose of the present invention, be to provide a kind of smart card payment system and method, when being used for the food market shopping, replace the application as payment of cash and coin, client pays the bill by smart card, the greengrocer just need not look for continuous, just can not take place will be not only wet but also dirty banknote and the coin situation of looking for the continuous client of giving, in addition, owing to course of payment need not cash and coin, in the time of can avoiding dishonest servant to buy vegetables, annex the money of partly buying vegetables in the food market in the dark.
The object of the present invention is achieved like this, adopt a kind of like this smart card payment system, payment purposes when being used for the food market shopping, it is characterized in that, described system includes the main card of buying vegetables (1) of each card, the cashing machine of each trade company (2), card center (3), wherein, store electronic money in the described card of buying vegetables (1) for the payment purposes, deduction and Payment Amount equal amount payment in the electronic money balance that trade company stores in this card master's the card of buying vegetables (1) by described cashing machine (2) when the main shopping of card is paid the bill, and, cashing machine (2) is by mobile telephone network (4) and card center (3) telecommunication connection mutually, cashing machine (2) is with described Payment Amount, card (1) identification number of buying vegetables, transaction records such as cashing machine (2) identification number send card center (3) to by mobile telephone network (4), settle accounts according to transaction record by card center (3), the money of the Payment Amount in the transaction record is deposited the shop account of gathering trade company.
And, adopt a kind of like this intelligent card payment method, payment purposes when being used for the food market shopping, adopt system as previously described, it is characterized in that, described method comprises trade company deduction and Payment Amount equal amount payment in the main electronic money balance that stores in this card master's the card of buying vegetables (1) by cashing machine (2) when paying the bill of doing shopping of card, and, cashing machine (2) is by mobile telephone network (4) and card center (3) telecommunication connection mutually, send the transaction record of bank settlement to card center (3) by mobile telephone network (4), deposit the shop account of this gathering trade company by card center (3) deduct Payment Amount according to transaction record with trade company's cashing machine (2) from this card of buying vegetables (1) money.
So just realized purpose of the present invention.
Adopt smart card payment system of the present invention and method, card is main just can be with the card of buying vegetables (1) payment, need not look for continuous, card main with regard to can not receive wet not only but also dirty look for continuous.
[description of drawings]
Fig. 1 is the schematic illustration of smart card payment system of the present invention;
Fig. 2 is the schematic illustration that has increased the smart card payment system of top-up machines (5);
Fig. 3 is the step schematic illustration of intelligent card payment method of the present invention;
Fig. 4 is that the step of supplementing with money of intelligent card payment method of the present invention is illustrated;
Fig. 5 blocks the main transaction record and the step schematic illustration of supplementing record with money of inquiring about the card (1) of buying vegetables by internet (7);
Fig. 6 blocks the main transaction record and the step schematic illustration of supplementing record with money of inquiring about the card (1) of buying vegetables by the main mobile phone of card (8);
Fig. 7 is the main step schematic illustration that preestablishes purchase and consumption information by internet (7) of card;
Fig. 8 is the main step schematic illustration of using the card of buying vegetables (1) to buy the specified article of the purchase and consumption information content to the food market of card.
Among the figure, identical digitized representation same apparatus, parts device, method step marks with the numeral of circle and the straight line of band arrow.Accompanying drawing is schematically, in order to the formation that system of the present invention is described and the key step of method.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the schematic illustration of smart card payment system of the present invention, system shown in the figure includes the main card of buying vegetables (1) of each card, the cashing machine of each trade company (2), card center (3), wherein, store electronic money in the described card of buying vegetables (1) for the payment purposes, deduction and Payment Amount equal amount payment in the electronic money balance that trade company stores in this card master's the card of buying vegetables (1) by described cashing machine (2) when the main shopping of card is paid the bill, and, cashing machine (2) is by mobile telephone network (4) and card center (3) telecommunication connection mutually, cashing machine (2) is with described Payment Amount, card (1) identification number of buying vegetables, transaction records such as cashing machine (2) identification number send card center (3) to by mobile telephone network (4), settle accounts according to transaction record by card center (3), the money of the Payment Amount in the transaction record is deposited the shop account of gathering trade company.
And,
The described card of buying vegetables (1) is a smart card, is provided with a unique identification number in the card, and stores the electronic money balance for the payment purposes.
Described cashing machine (2) is provided with card reader and communication device and unique identification number that is used for reading and writing the card (1) of buying vegetables, when the card instigator pays the bill with the card of buying vegetables (1), cashing machine (2) is read and write stored electronic money balance in this card of buying vegetables (1) by card reader, make the stored electronic money balance of this card of buying vegetables (1) reduce the money that equates with Payment Amount, and, described communication device is mainly used in communication and interchange information between cashing machine (2) and card center (3), described communication device can be a mobile phone, when telecommunication connects mutually cashing machine (2) and card center (3), cashing machine (2) can be sent to card center (3) by communication device and mobile telephone network (4) with stored transaction record and settle accounts, and receives the information of being sent by card center (3).
Be provided with respectively the buy vegetables shop account of card main account and corresponding each cashing machine (2) of card (1) of correspondence in the described card center (3), card center (3) is mainly used in handles and the settlement bargain record, the money of the Payment Amount that deduct the cashing machine (2) of trade company according to transaction record card center (3) during clearing from the card of buying vegetables (1) is deposited in the shop account of gathering trade company, and described card main account stores the transaction record of the card of buying vegetables (1) of this card main account correspondence.
Consult Fig. 2, Fig. 2 is the schematic illustration that has increased the smart card payment system of top-up machines (5), system shown in the figure also includes top-up machines (5), described top-up machines (5) is provided with card reader and the communication device that is used for reading and writing the card (1) of buying vegetables, top-up machines (5) is mainly used in supplements with money the card of buying vegetables (1), read and write stored electronic money balance in the card of buying vegetables (1) of being supplemented with money by card reader, make the stored electronic money balance of this card of buying vegetables (1) increase the money that equates with recharge amount, and, described communication device is mainly used in communication and interchange information between top-up machines (5) and card center (3), described communication device can be a mobile phone, and, mainly to supplement the card of buying vegetables (1) with money preceding when card, card is mainly deposited the money of recharge amount in the card main account in advance, when supplementing with money, extract recharge amount in the pairing card main account of the card of buying vegetables (1) of being supplemented with money from card center (3) by communication device and mobile telephone network (4) then, this recharge amount is increased in the electronic money balance of this card of buying vegetables (1) then by top-up machines (5).
Consult Fig. 3, Fig. 3 is the step schematic illustration of intelligent card payment method of the present invention, method shown in the figure comprises trade company deduction and Payment Amount equal amount payment in the main electronic money balance that stores in this card master's the card of buying vegetables (1) by cashing machine (2) when paying the bill of doing shopping of card, and, cashing machine (2) is by mobile telephone network (4) and card center (3) telecommunication connection mutually, send the transaction record of bank settlement to card center (3) by mobile telephone network (4), deposit the shop account of this gathering trade company by card center (3) deduct Payment Amount according to transaction record with trade company's cashing machine (2) from this card of buying vegetables (1) money.
Continue to consult Fig. 3, the method shown in the figure also comprises following A group step, when being the main purchase and consumption payment of card, and the step of using the card (1) of buying vegetables to pay the bill, concrete step is as follows:
When A1. blocking the payment of main purchase and consumption, the shop cashier goes up the input Payment Amount at cashing machine (2), block chief commander's card (1) of buying vegetables then and be put on the card reader of cashing machine (2), read the identification number of the card of buying vegetables (1) and stored electronic money balance by card reader by cashing machine (2);
A2. whether cashing machine (2) the electronic money balance of checking this card of buying vegetables (1) enough pays this Payment Amount, after the confirmation this electronic money balance is deducted this Payment Amount and calculate the balance that makes new advances, the stored electronic money balance of card (1) of then this being bought vegetables is updated to new balance;
A3. cashing machine (2) is stored in transaction records such as Payment Amount, the card of buying vegetables (1) identification number, cashing machine (2) identification number, bank settlement date and time in the cashing machine (2), and when cashing machine (2) and card center (3) line, stored transaction record is sent to card center (3) by cashing machine (2);
A4. block center (3) and receive the transaction record that sends from cashing machine (2), from transaction record, find Payment Amount, the buy vegetables identification number of card (1), the identification number of cashing machine (2), data such as bank settlement date and time, check every data of transaction record errorless after, the shop account of the identification number correspondence of this cashing machine (2) is deposited the money of this Payment Amount at card center (3), block center (3) then and send confirmation to cashing machine (2), the notice cashing machine (2) this transaction record is settled accounts, by cashing machine (2) with the stored record deletion of settlement bargain.
Consult Fig. 4, Fig. 4 be intelligent card payment method of the present invention supplement the step schematic illustration with money, the method shown in the figure also comprises following B group step, is that card is led the step of supplementing the card of buying vegetables (1) with money, concrete step is as follows:
B1. the card instigator is wired to card center (3) with online computer (6) by internet (7), and input card master's the card of buying vegetables (1) identification number and data such as login password and recharge amount, card center (3) check the card of buying vegetables (1) identification number and data such as login password and recharge amount errorless after, the money of recharge amount transfer accounts in the bank account of blocking main registration in advance in the bank account of card center (3), block center (3) then recharge amount is stored in the pairing card main account of this card of buying vegetables (1);
Or,
Card instigator is sent to card center (3) with blocking will buy vegetables card (1) identification number and recharge amount of main mobile phone (8) with note, the main mobile phone of card (8) telephone number is found from the information source number of note in card center (3), find the card of buying vegetables (1) identification number and recharge amount from short message content, card center (3) check the main mobile phone of card (8) telephone number and buy vegetables data such as card (1) identification number and recharge amount errorless after, the money of recharge amount transfer accounts in the bank account of blocking main registration in advance in the bank account of card center (3), block center (3) then recharge amount is stored in the pairing card main account of this card of buying vegetables (1);
B2. block the described card of buying vegetables of chief commander (1) and be put on the card reader of top-up machines (5), read the identification number of the card of buying vegetables (1) and stored electronic money balance by card reader by top-up machines (5);
B3. top-up machines (5) is sent to the recharge amount data that the corresponding card main account of this card of buying vegetables (1) is extracted in card center (3) request with the identification number of this card of buying vegetables (1) and stored data such as electronic money balance by communication device and mobile telephone network (4);
B4. block the identification number of checking this card of buying vegetables (1) in center (3) and stored data such as electronic money balance errorless after, the recharge amount data transmission of the card main account that this card of buying vegetables (1) is corresponding is given this top-up machines (5), and described recharge amount data comprises that the balance of card main account is the identification number of recharge amount and this card of buying vegetables (1);
B5. top-up machines (5) check the identification number of recharge amount and this card of buying vegetables (1) errorless after, the electronic money balance that recharge amount is added this card of buying vegetables (1) is calculated the balance that makes new advances, and the stored electronic money balance of card (1) of then this being bought vegetables is updated to new balance;
B6. top-up machines (5) is sent to card center (3) with successful recharging information by communication device and mobile telephone network (4), data such as described successful recharging information includes the identification number of this card of buying vegetables (1), the balance before supplementing with money, the balance after supplementing with money, date and time;
After successful recharging information is received at card center (3), in this card main account, deduct recharge amount, and will supplement with money to write down to be stored in the card center (3) and inquire about after Lord's Day for card.
In the present embodiment, card is mainly registered his bank account number in advance in card center (3), and authorization card center (3) can transfer accounts the money of recharge amount in the main card main account of card from this bank account, when card is mainly supplemented with money, just can transfer accounts the money of recharge amount in the main card main account of card from this this bank account by mobile phone (8) or announcement card center, internet (3), the card (1) of will buying vegetables then is put into top-up machines (5) and just can supplements with money.In addition, top-up machines (5) can be arranged on the inlet of food market, and the convenient card chief commander buys vegetables after card (1) supplements with money, just enters the food market shopping.
Continue to consult Fig. 4, the system shown in the figure also includes online computer (6), and the card master can be wired to card center (3), the transaction record of inquirying card master's oneself card main account by online computer (6) and internet (7).
Consult Fig. 5, Fig. 5 blocks the main transaction record and the step schematic illustration of supplementing record with money of inquiring about the card (1) of buying vegetables by internet (7), method shown in the figure also comprises following C group step, is the main step of inquiring about the transaction record of the card (1) of buying vegetables and supplementing record with money of card, and concrete step is as follows:
C1. the card instigator is wired to card center (3) with online computer (6) by internet (7), and data such as input card master's the card of buying vegetables (1) identification number and login password;
C2. block center (3) check data such as the card of buying vegetables (1) identification number and login password errorless after, from stored record, find out the transaction record of this card of buying vegetables (1) and supplement data such as record with money, be sent to this online computer (6) by internet (7) and lead for card and consult.
Consult Fig. 6, Fig. 6 blocks the main transaction record and the step schematic illustration of supplementing record with money of inquiring about the card (1) of buying vegetables by the main mobile phone of card (8), method shown in the figure also comprises following D group step, is that card is main by mobile phone (8) inquiry transaction record and the step of supplementing record with money, and concrete step is as follows:
D1. card instigator dials the enquiring telephone number of card center (3) appointment with mobile phone (8), but puts through just hanging wire of back, and card center (3) find the telephone number of the main mobile phone of card (8) from caller ID, finds the card main account of correspondence from the telephone number that blocks main mobile phone (8),
Or,
Card instigator is with the send short messages enquiring telephone number of card center (3) appointment of mobile phone (8), and card center (3) find the telephone number of the main mobile phone of card (8) from the information source telephone number of note, finds the card main account of correspondence from the telephone number that blocks main mobile phone (8);
D2. block center (3) with the transaction record of this card main account of scheduled period with supplement record with money, be sent to the main mobile phone (8) of card with note by mobile telephone network (4) and supply the card master to consult, for example block transaction record that will contain this card main account in nearest 24 hours in center (3) and the note of supplementing record with money and send the main mobile phone of card (8) to for blocking main consulting.
Consult Fig. 7 and Fig. 8, Fig. 7 is the main step schematic illustration that preestablishes purchase and consumption information by internet (7) of card, Fig. 8 is the main step schematic illustration of using the card of buying vegetables (1) to buy the specified article of the purchase and consumption information content to the food market of card, in the embodiment of Fig. 7 and Fig. 8, be provided with the storer that is used to store purchase and consumption information in the card (1) of the buying vegetables card, the card master can use online computer (6) to be wired to card center (3) by internet (7), login the main card main account in card center (3) of card, and select the article that to buy, just the card of buying vegetables (1) can be put on the top-up machines (5) after finishing, to be blocked the purchase and consumption information of the main selected article that will buy writes in the card of buying vegetables (1) by top-up machines (5) by card center (3), just can hold the card of buying vegetables (1) then to trade company, the card of buying vegetables (1) is put into cashing machine (2), extract this purchase and consumption information by cashing machine (2) by card reader, trade company just knows what article the guest will buy, if there are those sales of goods in this shop, card (1) is put into cashing machine (2) and goes up payment as long as will buy vegetables once more, cashing machine (2) will be collected the money that equates with Payment Amount in the stored electronic money balance of the card of buying vegetables (1), and the part purchase and consumption information of buying article has been finished in deletion in this purchase and consumption information.Import purchase and consumption information so in advance, just arrive the application of shopping then, be particularly suitable for some deaf and dumb personages and use.
Continue to consult Fig. 7, the method shown in the figure also comprises following E group step, is that card is led and preestablished purchase and consumption information by internet (7), and by top-up machines (5) with the step of purchase and consumption information storage to the card of buying vegetables (1), concrete step is as follows:
E1. the card instigator is wired to card center (3) with online computer (6) by internet (7), and input card master's the card of buying vegetables (1) identification number and data such as login password and/or recharge amount;
E2. block center (3) check the card of buying vegetables (1) identification number and data such as login password and/or recharge amount errorless after,
Main article and the quantity that will buy in the selection of card center (3) webpage by online computer (6) and internet (7) of card, card center (3) will block purchase and consumption information storage such as the main selected article that will buy and quantity in the card main account;
And/or
Card center (3) is transferred accounts the money of recharge amount in the bank account of blocking main registration in advance in the bank account of card center (3), blocks center (3) then recharge amount is stored in the pairing card main account of this card of buying vegetables (1);
E3. block chief commander's card (1) of buying vegetables and be put on the card reader of top-up machines (5), read the identification number of the card of buying vegetables (1) and stored electronic money balance by card reader by top-up machines (5);
E4. top-up machines (5) is sent to recharge amount data and/or the purchase and consumption information that the corresponding card main account of this card of buying vegetables (1) is extracted in card center (3) request with the identification number of this card of buying vegetables (1) and stored data such as electronic money balance by communication device and mobile telephone network (4);
E5. block the identification number of checking this card of buying vegetables (1) in center (3) and stored data such as electronic money balance errorless after, the recharge amount data and/or the purchase and consumption information of the card main account that this card of buying vegetables (1) is corresponding send this top-up machines (5) to, and described recharge amount data comprises that the balance of card main account is the identification number of recharge amount and this card of buying vegetables (1);
E6. top-up machines (5) check the identification number of recharge amount and/or purchase and consumption information and this card of buying vegetables (1) errorless after, recharge amount is added that the electronic money balance of this card of buying vegetables (1) calculates the balance make new advances, the stored electronic money balance of card (1) of then this being bought vegetables be updated to new balance and/or with the purchase and consumption information storage in the card of buying vegetables (1);
E7. top-up machines (5) will be operated successful information and will be sent to card center (3) by communication device and mobile telephone network (4), and described operation success packet draws together the identification number of this card of buying vegetables (1), the balance before supplementing with money, balance, date and time after supplementing with money and/or successfully store data such as purchase and consumption information;
Recharge amount is deducted after receiving the operation successful information in card center (3) in this card main account, and will supplement record with money and be stored in the card center (3) for card inquiry and/or delete stored purchase and consumption information in this card main account after Lord's Day.
Continue to consult Fig. 8, the method shown in the figure also comprises following F group step, is the main step of using the card of buying vegetables (1) to buy the specified article of the purchase and consumption information content to the food market of card, and concrete step is as follows:
F1. card is led when trade company does shopping, the card (1) of will buying vegetables is put on the card reader of cashing machine (2), read the stored purchase and consumption information of the card of buying vegetables (1) by cashing machine (2) by card reader, and purchase and consumption information is shown to trade company by cashing machine (2) sees, by trade company from this purchase and consumption information content, select the article that there is sale in this trade company at cashing machine (2), calculate Payment Amount by cashing machine (2);
F2. the main card (1) of will buying vegetables once more of card is put on the card reader of cashing machine (2), reads the identification number of the card of buying vegetables (1) and stored electronic money balance by cashing machine (2) by card reader;
F3. whether cashing machine (2) the electronic money balance of checking this card of buying vegetables (1) enough pays this Payment Amount, after the confirmation this electronic money balance is deducted this Payment Amount and calculate the balance that makes new advances, the stored electronic money balance of card (1) of then this being bought vegetables is updated to new balance, and deletion is finished the part purchase and consumption information of buying article in this trade company in the purchase and consumption information that this card of buying vegetables (1) is stored;
F4. cashing machine (2) is stored in transaction records such as Payment Amount, the card of buying vegetables (1) identification number, cashing machine (2) identification number, bank settlement date and time in the cashing machine (2), and when cashing machine (2) and card center (3) line, stored transaction record is sent to card center (3) by cashing machine (2);
F5. block center (3) and receive the transaction record that sends from cashing machine (2), from transaction record, find Payment Amount, the buy vegetables identification number of card (1), the identification number of cashing machine (2), data such as bank settlement date and time, check every data of transaction record errorless after, the shop account of the identification number correspondence of this cashing machine (2) is deposited the money of this Payment Amount at card center (3), block center (3) then and send confirmation to cashing machine (2), the notice cashing machine (2) this transaction record is settled accounts, by cashing machine (2) with the stored record deletion of settlement bargain.
Further, card center (3) can be cooperated with the trade company, some menus and data such as cooking method and material are put into card center (3), card is main as long as select required menu by internet (7) in card center (3), card center (3) will be automatically be shown to the cooking method of this menu that card is main to be seen, and the purchase and consumption information that will comprise the cooking bill of materials of this menu is simultaneously deposited in the card main account, and tell the card master can buy the title and the address of the trade company of these cooking materials, blocking chief commander's card (1) of buying vegetables then is put on the top-up machines (5), deposit the card of buying vegetables (1) by the purchase and consumption information that card center (3) will block the cooking bill of materials that comprises this menu in the main account by top-up machines (5), this scale master just can hold the card of buying vegetables (1) and buy neat cooking material to each trade company, makes delicious food according to cooking method then.
In this manual, for convenience of description, the card main appointment of card of advocating peace can be used the people of his card of buying vegetables (1) shopping, for example block the main servant who is engaged, it is main all to abbreviate card without exception as, even it is main only to write card in this manual, all be to have comprised that card is main and blocked the people of the card of buying vegetables (1) shopping that main appointment can be used him.For example in the step explanation of the embodiment of Fig. 8, the main card that both can be meant of card is main own, also can be meant the servant that the card master is engaged, and buys card master specified article of the selected purchase and consumption information content in the embodiment of Fig. 7 to the food market by the servant.
Advantage of the present invention is that card is main except can oneself using card (1) the shopping payment of buying vegetables, the card master more can give the servant with the card of buying vegetables (1) and buy vegetables to the food market, need not give the servant with cash, and the main transaction record that more can afterwards inquire about this card of buying vegetables (1) of card, can avoid the servant to annex the money of buying vegetables so in the dark.Enforcement of the present invention can bring good social benefit and economic benefit.
Claims (14)
1. smart card payment system, payment purposes when being used for the food market shopping, it is characterized in that, described system includes the main card of buying vegetables (1) of each card, the cashing machine of each trade company (2), card center (3), wherein, store electronic money in the described card of buying vegetables (1) for the payment purposes, deduction and Payment Amount equal amount payment in the electronic money balance that trade company stores in this card master's the card of buying vegetables (1) by described cashing machine (2) when the main shopping of card is paid the bill, and, cashing machine (2) is by mobile telephone network (4) and card center (3) telecommunication connection mutually, cashing machine (2) is with described Payment Amount, card (1) identification number of buying vegetables, transaction records such as cashing machine (2) identification number send card center (3) to by mobile telephone network (4), settle accounts according to transaction record by card center (3), the money of the Payment Amount in the transaction record is deposited the shop account of gathering trade company.
2. smart card payment system as claimed in claim 1 is characterized in that, the described card of buying vegetables (1) is a smart card, is provided with a unique identification number in the card, and stores the electronic money balance for the payment purposes.
3. smart card payment system as claimed in claim 2 is characterized in that, the described card of buying vegetables (1) Ka Nei also is provided with the storer that is used to store purchase and consumption information.
4. smart card payment system as claimed in claim 1, it is characterized in that, described cashing machine (2) is provided with card reader and communication device and unique identification number that is used for reading and writing the card (1) of buying vegetables, when the card instigator pays the bill with the card of buying vegetables (1), cashing machine (2) is read and write stored electronic money balance in this card of buying vegetables (1) by card reader, make the stored electronic money balance of this card of buying vegetables (1) reduce the money that equates with Payment Amount, and, described communication device is mainly used in communication and interchange information between cashing machine (2) and card center (3), when telecommunication connects mutually cashing machine (2) and card center (3), cashing machine (2) can be sent to card center (3) by communication device and mobile telephone network (4) with stored transaction record and settle accounts, and receives the information of being sent by card center (3).
5. as claim 1 or 2 or 3 or 4 described smart card payment systems, it is characterized in that, be provided with respectively the buy vegetables shop account of card main account and corresponding each cashing machine (2) of card (1) of correspondence in the described card center (3), card center (3) is mainly used in handles and the settlement bargain record, the money of the Payment Amount that deduct the cashing machine (2) of trade company according to transaction record card center (3) during clearing from the card of buying vegetables (1) is deposited in the shop account of gathering trade company, and described card main account stores the transaction record of the card of buying vegetables (1) of this card main account correspondence.
6. as claim 1 or 2 or 3 or 4 described smart card payment systems, it is characterized in that, described system also includes top-up machines (5), described top-up machines (5) is provided with card reader and the communication device that is used for reading and writing the card (1) of buying vegetables, top-up machines (5) is mainly used in supplements with money the card of buying vegetables (1), read and write stored electronic money balance in the card of buying vegetables (1) of being supplemented with money by card reader, make the stored electronic money balance of this card of buying vegetables (1) increase the money that equates with recharge amount, and, described communication device is mainly used in communication and interchange information between top-up machines (5) and card center (3), and, mainly to supplement the card of buying vegetables (1) with money preceding when card, card is mainly deposited the money of recharge amount in the card main account in advance, when supplementing with money, extract recharge amount in the pairing card main account of the card of buying vegetables (1) of being supplemented with money from card center (3) by communication device and mobile telephone network (4) then, this recharge amount is increased in the electronic money balance of this card of buying vegetables (1) then by top-up machines (5).
7. as claim 1 or 2 or 3 or 4 described smart card payment systems, it is characterized in that, described system also includes online computer (6), and the card master can be wired to card center (3), the transaction record of inquirying card master's oneself card main account by online computer (6) and internet (7).
8. intelligent card payment method, payment purposes when being used for the food market shopping, adopt as each described system in the claim 1 to 7, it is characterized in that, described method comprises trade company deduction and Payment Amount equal amount payment in the main electronic money balance that stores in this card master's the card of buying vegetables (1) by cashing machine (2) when paying the bill of doing shopping of card, and, cashing machine (2) is by mobile telephone network (4) and card center (3) telecommunication connection mutually, send the transaction record of bank settlement to card center (3) by mobile telephone network (4), deposit the shop account of this gathering trade company by card center (3) deduct Payment Amount according to transaction record with trade company's cashing machine (2) from this card of buying vegetables (1) money.
9. intelligent card payment method as claimed in claim 8 is characterized in that, described method also comprises following A group step, when being the main purchase and consumption payment of card, and the step of using the card (1) of buying vegetables to pay the bill, concrete step is as follows:
When A1. blocking the payment of main purchase and consumption, the shop cashier goes up the input Payment Amount at cashing machine (2), block chief commander's card (1) of buying vegetables then and be put on the card reader of cashing machine (2), read the identification number of the card of buying vegetables (1) and stored electronic money balance by card reader by cashing machine (2);
A2. whether cashing machine (2) the electronic money balance of checking this card of buying vegetables (1) enough pays this Payment Amount, after the confirmation this electronic money balance is deducted this Payment Amount and calculate the balance that makes new advances, the stored electronic money balance of card (1) of then this being bought vegetables is updated to new balance;
A3. cashing machine (2) is stored in transaction records such as Payment Amount, the card of buying vegetables (1) identification number, cashing machine (2) identification number, bank settlement date and time in the cashing machine (2), and when cashing machine (2) and card center (3) line, stored transaction record is sent to card center (3) by cashing machine (2);
A4. block center (3) and receive the transaction record that sends from cashing machine (2), from transaction record, find Payment Amount, the buy vegetables identification number of card (1), the identification number of cashing machine (2), data such as bank settlement date and time, check every data of transaction record errorless after, the shop account of the identification number correspondence of this cashing machine (2) is deposited the money of this Payment Amount at card center (3), block center (3) then and send confirmation to cashing machine (2), the notice cashing machine (2) this transaction record is settled accounts, by cashing machine (2) with the stored record deletion of settlement bargain.
10. intelligent card payment method as claimed in claim 8 is characterized in that, described method also comprises following B group step, is the main step of supplementing the card of buying vegetables (1) with money of card, and concrete step is as follows:
B1. the card instigator is wired to card center (3) with online computer (6) by internet (7), and input card master's the card of buying vegetables (1) identification number and data such as login password and recharge amount, card center (3) check the card of buying vegetables (1) identification number and data such as login password and recharge amount errorless after, the money of recharge amount transfer accounts in the bank account of blocking main registration in advance in the bank account of card center (3), block center (3) then recharge amount is stored in the pairing card main account of this card of buying vegetables (1);
Or,
Card instigator is sent to card center (3) with blocking will buy vegetables card (1) identification number and recharge amount of main mobile phone (8) with note, the main mobile phone of card (8) telephone number is found from the information source number of note in card center (3), find the card of buying vegetables (1) identification number and recharge amount from short message content, card center (3) check the main mobile phone of card (8) telephone number and buy vegetables data such as card (1) identification number and recharge amount errorless after, the money of recharge amount transfer accounts in the bank account of blocking main registration in advance in the bank account of card center (3), block center (3) then recharge amount is stored in the pairing card main account of this card of buying vegetables (1);
B2. block the described card of buying vegetables of chief commander (1) and be put on the card reader of top-up machines (5), read the identification number of the card of buying vegetables (1) and stored electronic money balance by card reader by top-up machines (5);
B3. top-up machines (5) is sent to the recharge amount data that the corresponding card main account of this card of buying vegetables (1) is extracted in card center (3) request with the identification number of this card of buying vegetables (1) and stored data such as electronic money balance by communication device and mobile telephone network (4);
B4. block the identification number of checking this card of buying vegetables (1) in center (3) and stored data such as electronic money balance errorless after, the recharge amount data transmission of the card main account that this card of buying vegetables (1) is corresponding is given this top-up machines (5), and described recharge amount data comprises that the balance of card main account is the identification number of recharge amount and this card of buying vegetables (1);
B5. top-up machines (5) check the identification number of recharge amount and this card of buying vegetables (1) errorless after, the electronic money balance that recharge amount is added this card of buying vegetables (1) is calculated the balance that makes new advances, and the stored electronic money balance of card (1) of then this being bought vegetables is updated to new balance;
B6. top-up machines (5) is sent to card center (3) with successful recharging information by communication device and mobile telephone network (4), data such as described successful recharging information includes the identification number of this card of buying vegetables (1), the balance before supplementing with money, the balance after supplementing with money, date and time;
After successful recharging information is received at card center (3), in this card main account, deduct recharge amount, and will supplement with money to write down to be stored in the card center (3) and inquire about after Lord's Day for card.
11. intelligent card payment method as claimed in claim 8 is characterized in that, described method also comprises following C group step, is the main step of inquiring about the transaction record of the card (1) of buying vegetables and supplementing record with money of card, and concrete step is as follows:
C1. the card instigator is wired to card center (3) with online computer (6) by internet (7), and data such as input card master's the card of buying vegetables (1) identification number and login password;
C2. block center (3) check data such as the card of buying vegetables (1) identification number and login password errorless after, from stored record, find out the transaction record of this card of buying vegetables (1) and supplement data such as record with money, be sent to this online computer (6) by internet (7) and lead for card and consult.
12. intelligent card payment method as claimed in claim 8 is characterized in that, described method also comprises following D group step, is that card is main by mobile phone (8) inquiry transaction record and the step of supplementing record with money, and concrete step is as follows:
D1. card instigator dials the enquiring telephone number of card center (3) appointment with mobile phone (8), but puts through just hanging wire of back, and card center (3) find the telephone number of the main mobile phone of card (8) from caller ID, finds the card main account of correspondence from the telephone number that blocks main mobile phone (8),
Or,
Card instigator is with the send short messages enquiring telephone number of card center (3) appointment of mobile phone (8), and card center (3) find the telephone number of the main mobile phone of card (8) from the information source telephone number of note, finds the card main account of correspondence from the telephone number that blocks main mobile phone (8);
D2. block center (3) with the transaction record of this card main account of scheduled period with supplement record with money, be sent to the main mobile phone (8) of card with note by mobile telephone network (4) and supply the card master to consult, for example block transaction record that will contain this card main account in nearest 24 hours in center (3) and the note of supplementing record with money and send the main mobile phone of card (8) to for blocking main consulting.
13. intelligent card payment method as claimed in claim 8, it is characterized in that, described method also comprises following E group step, being that card is main preestablishes purchase and consumption information by internet (7), and by top-up machines (5) with the step of purchase and consumption information storage to the card of buying vegetables (1), concrete step is as follows:
E1. the card instigator is wired to card center (3) with online computer (6) by internet (7), and input card master's the card of buying vegetables (1) identification number and data such as login password and/or recharge amount;
E2. block center (3) check the card of buying vegetables (1) identification number and data such as login password and/or recharge amount errorless after,
Main article and the quantity that will buy in the selection of card center (3) webpage by online computer (6) and internet (7) of card, card center (3) will block purchase and consumption information storage such as the main selected article that will buy and quantity in the card main account;
And/or
Card center (3) is transferred accounts the money of recharge amount in the bank account of blocking main registration in advance in the bank account of card center (3), blocks center (3) then recharge amount is stored in the pairing card main account of this card of buying vegetables (1);
E3. block chief commander's card (1) of buying vegetables and be put on the card reader of top-up machines (5), read the identification number of the card of buying vegetables (1) and stored electronic money balance by card reader by top-up machines (5);
E4. top-up machines (5) is sent to recharge amount data and/or the purchase and consumption information that the corresponding card main account of this card of buying vegetables (1) is extracted in card center (3) request with the identification number of this card of buying vegetables (1) and stored data such as electronic money balance by communication device and mobile telephone network (4);
E5. block the identification number of checking this card of buying vegetables (1) in center (3) and stored data such as electronic money balance errorless after, the recharge amount data and/or the purchase and consumption information of the card main account that this card of buying vegetables (1) is corresponding send this top-up machines (5) to, and described recharge amount data comprises that the balance of card main account is the identification number of recharge amount and this card of buying vegetables (1);
E6. top-up machines (5) check the identification number of recharge amount and/or purchase and consumption information and this card of buying vegetables (1) errorless after, recharge amount is added that the electronic money balance of this card of buying vegetables (1) calculates the balance make new advances, the stored electronic money balance of card (1) of then this being bought vegetables be updated to new balance and/or with the purchase and consumption information storage in the card of buying vegetables (1);
E7. top-up machines (5) will be operated successful information and will be sent to card center (3) by communication device and mobile telephone network (4), and described operation success packet draws together the identification number of this card of buying vegetables (1), the balance before supplementing with money, balance, date and time after supplementing with money and/or successfully store data such as purchase and consumption information;
Recharge amount is deducted after receiving the operation successful information in card center (3) in this card main account, and will supplement record with money and be stored in the card center (3) for card inquiry and/or delete stored purchase and consumption information in this card main account after Lord's Day.
14. as claim 8 or 13 described intelligent card payment methods, it is characterized in that, described method also comprises following F group step, is the main step of using the card of buying vegetables (1) to buy the specified article of the purchase and consumption information content to the food market of card, and concrete step is as follows:
F1. card is led when trade company does shopping, the card (1) of will buying vegetables is put on the card reader of cashing machine (2), read the stored purchase and consumption information of the card of buying vegetables (1) by cashing machine (2) by card reader, and purchase and consumption information is shown to trade company by cashing machine (2) sees, by trade company from this purchase and consumption information content, select the article that there is sale in this trade company at cashing machine (2), calculate Payment Amount by cashing machine (2);
F2. the main card (1) of will buying vegetables once more of card is put on the card reader of cashing machine (2), reads the identification number of the card of buying vegetables (1) and stored electronic money balance by cashing machine (2) by card reader;
F3. whether cashing machine (2) the electronic money balance of checking this card of buying vegetables (1) enough pays this Payment Amount, after the confirmation this electronic money balance is deducted this Payment Amount and calculate the balance that makes new advances, the stored electronic money balance of card (1) of then this being bought vegetables is updated to new balance, and deletion is finished the part purchase and consumption information of buying article in this trade company in the purchase and consumption information that this card of buying vegetables (1) is stored;
F4. cashing machine (2) is stored in transaction records such as Payment Amount, the card of buying vegetables (1) identification number, cashing machine (2) identification number, bank settlement date and time in the cashing machine (2), and when cashing machine (2) and card center (3) line, stored transaction record is sent to card center (3) by cashing machine (2);
F5. block center (3) and receive the transaction record that sends from cashing machine (2), from transaction record, find Payment Amount, the buy vegetables identification number of card (1), the identification number of cashing machine (2), data such as bank settlement date and time, check every data of transaction record errorless after, the shop account of the identification number correspondence of this cashing machine (2) is deposited the money of this Payment Amount at card center (3), block center (3) then and send confirmation to cashing machine (2), the notice cashing machine (2) this transaction record is settled accounts, by cashing machine (2) with the stored record deletion of settlement bargain.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100659282A CN101488263A (en) | 2008-01-18 | 2008-01-18 | Smart card payment system and method used for paying in food market |
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2008100659282A CN101488263A (en) | 2008-01-18 | 2008-01-18 | Smart card payment system and method used for paying in food market |
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| CN101488263A true CN101488263A (en) | 2009-07-22 |
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| CNA2008100659282A Pending CN101488263A (en) | 2008-01-18 | 2008-01-18 | Smart card payment system and method used for paying in food market |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103714503A (en) * | 2012-09-28 | 2014-04-09 | 常州欧开通信技术有限公司 | Citizen-benefitting sub system of city traceability system and working method of citizen-benefitting sub system |
| CN104123641A (en) * | 2013-04-27 | 2014-10-29 | 黄金富 | Change finding system using real-time communication technology and corresponding method |
| CN104322035A (en) * | 2013-05-09 | 2015-01-28 | 石英基 | Service system based on user medium |
| CN112133044A (en) * | 2020-10-21 | 2020-12-25 | 陕西科技大学 | Multifunctional paper money receiving and paying system based on big data |
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2008
- 2008-01-18 CN CNA2008100659282A patent/CN101488263A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103714503A (en) * | 2012-09-28 | 2014-04-09 | 常州欧开通信技术有限公司 | Citizen-benefitting sub system of city traceability system and working method of citizen-benefitting sub system |
| CN104123641A (en) * | 2013-04-27 | 2014-10-29 | 黄金富 | Change finding system using real-time communication technology and corresponding method |
| CN104322035A (en) * | 2013-05-09 | 2015-01-28 | 石英基 | Service system based on user medium |
| CN104322035B (en) * | 2013-05-09 | 2019-01-01 | 国安社区（北京）科技有限公司 | Service system based on user media |
| CN112133044A (en) * | 2020-10-21 | 2020-12-25 | 陕西科技大学 | Multifunctional paper money receiving and paying system based on big data |
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