CN101567104A - Purse card processing system based on bank card - Google Patents
Purse card processing system based on bank card Download PDFInfo
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- CN101567104A CN101567104A CNA2009101116216A CN200910111621A CN101567104A CN 101567104 A CN101567104 A CN 101567104A CN A2009101116216 A CNA2009101116216 A CN A2009101116216A CN 200910111621 A CN200910111621 A CN 200910111621A CN 101567104 A CN101567104 A CN 101567104A
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- 230000027455 binding Effects 0.000 claims abstract description 100
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- 230000006855 networking Effects 0.000 claims abstract description 6
- 230000008859 change Effects 0.000 claims description 52
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Abstract
The invention discloses a purse card processing system based on bank card, including a main bank card, a purse card, a processing terminal and a bank main unit, wherein, the purse card is equipped with a magnetic track containing the second card number information only, the bank main unit includes a storage apparatus for storing the first account and the second account, furthermore, the bank main unit also includes a binding processing device, binding revocation processing device, and a purse card money calling processing device; user could activate or revoke the purse card by himself on a random processing terminal networking with the bank main unit, thereby realizing binding or revocation between the purse card and the bank main card, binding a number of purse cards according to different uses, at the same time realizing disposition of money in purse by operating bank main card, moreover, if the purse card is lost, user can transfer the money in the lost purse card to the main bank card securely by himself, thereby ensuring user money safety and information safety, and eliminating inconvenience for activating bank card/revoking bank card, and giving user convenience.
Description
Technical field
The present invention relates to a kind of financial product, particularly relate to a kind of user could open, authorize or cancel processing voluntarily to wallet card purse card processing system based on bank card.
Background technology
Along with the fast development of Chinese national economy and the significantly raising of living standards of the people, bank card has been widely used among the daily life, particularly in the consumer field.Bankcard consumption is the critical function of bank card, need carry the drawback of buckets of cash when bankcard consumption can be exempted consumers shopping, can stop growing of counterfeit money effectively again, also provides the fund assurance for popular now shopping online simultaneously.Yet, bankcard consumption, shopping online have brought easily simultaneously in the life of giving us, also produced certain limitation, this mainly is because the false proof limitation of bank card, caused that user account, password are stolen to be caused that card is replicated etc. the bank card security accident has generation frequently, this has also just hindered the enthusiasm of people's bankcard consumptions, people always are unwilling a bank card that has more money is used for bankcard consumption or shopping online, therefore, many users tend to handle several bank cards according to the use of oneself, also are unfavorable for individual capital management.
Though the use of bank card has brought facility for user's use of funds, but also exist drawback: the one,, open card/pin card formality trouble, it is opened the card/process of pin card and all will hold I.D. by the user and handle to the site bank that opens an account, and has brought inconvenience to the user.The 2nd,, in a single day the user causes card to lose, and it reports the loss very trouble of processing procedure: user's oral reporting the loss that must lose no time earlier to carry out, this moment is for fund security, the account of reporting the loss can be frozen, if credit card, credit card issuer will be done card and mailing to the user again for the user; If debit card or accurate credit card then needed to carry out written reporting the loss with the personal identification papers to the site of opening an account within 5 days, bank of deposit makes up in 7 days according to the type of card; The user is if can't arrive written the reporting the loss of bank of deposit and make up or the personal identification papers has also lost in the other places, that trouble more that will become, the user must report the loss just can handle after going back to bank of deposit or ruing the temporary identity proof of public security bureau well and writtenly reports the loss, makes up every carrying out phone in 5 days, and during this period of time account with frozen (certainly, the mode of handling of the various cards of different bank slightly different); Though can guarantee the fund security of user account to a certain extent by such program, but make troubles also for user's use of funds, because fund account is with frozen in the card, the user can't use the fund in the card, the ground if user's this moment is away from home all by oneself, the loss of card will be well imagined to the inconvenience that he brings this moment.The 3rd,, in case card is lost the back user if can not in time report the loss, just might cause fund to be extracted, and cause user's fund loss.
Summary of the invention
The objective of the invention is to overcome the deficiency of prior art, a kind of purse card processing system based on bank card is provided, the user can be on any processing terminal with bank main networking opening or cancelling and operate wallet card voluntarily, make wallet card and bank's main card realize binding or releasing, can also bind several wallet card according to the use difference, can also realize the right of eminent domain simultaneously by operation to bank's main card to the wallet card fund, and when losing, wallet card need not report the loss, user oneself just can go to the fund security in the wallet card of losing in bank's main card, thereby guaranteed user's fund, information security, eliminated the inconvenience that card/the pin card is brought of opening of bank card, and brought convenience to the users.
The technical solution adopted for the present invention to solve the technical problems is: a kind of purse card processing system based on bank card, comprise bank's main card, wallet card, processing terminal and bank main, wherein:
Realize the mutual biography of data between bank main and the processing terminal by networking mode;
Bank's main card is provided with the magnetic track that comprises first card number, subscriber data and bank of deposit's data information;
Wallet card is provided with the magnetic track that only comprises second card number information;
Bank main includes memory storage, stores at least in this memory storage corresponding to first account of first card number of bank's main card with corresponding to second account of second card number of the wallet card that has been activated;
Processing terminal reads with the magnetic track information to the bank's main card that inserts this card reading interface or wallet card by card reading interface and the magnetic track information that reads is transferred to bank main;
Bank main also includes account fund clearing device, the account, the fund clearing device handled the solicited message that comes from processing terminal, will with bank's main card be the clearance outcome record of carrier in first account corresponding to first card number, or will be that the clearance outcome record of carrier is in second account corresponding to second card number with the wallet card;
Bank main further also includes the binding treating apparatus, cancel binding treating apparatus and wallet card fund calls treating apparatus;
Described binding treating apparatus is that the solicited message of carrier is carried out the wallet card binding and handled to what come from processing terminal with bank's main card, generate or upgrade the main account that comprises first account and one or more second accounts that activated, and with this main account information stores in described memory storage; The balance of deposits of this main account equals the balance of deposits of first account and the balance of deposits sum of each second account;
The described binding treating apparatus of cancelling is that the solicited message of carrier is carried out wallet card and cancelled binding and handle to what come from processing terminal with bank's main card, second account of cancelling binding is rejected from main account, and the balance of deposits of the second disallowable account is changed in first account automatically;
It is that the solicited message of carrier is carried out the wallet card fund and called processing to what come from processing terminal with bank's main card that described wallet card fund is called treating apparatus, realizes the right of eminent domain to the wallet card fund by the operation to bank's main card.
Described binding is handled, and it comprises the steps:
A1. processing terminal reads the magnetic track information of card, and gives bank main with the magnetic track information data transmission;
A2. whether the binding treating apparatus of bank main is judged for bank's main card; Be judged as and continue next step when being; When being judged as not, change steps A 11;
A3. whether the binding treating apparatus of bank main is to add wallet card to judge to the solicited message from processing terminal; Be judged as and continue next step when being; When being judged as not, change steps A 11;
A4. the binding treating apparatus of bank main is accepted by the user by with bank's main card being the second card number data of the wallet card imported of the processing terminal of carrier;
A5. whether the second card number data of the binding treating apparatus of bank main wallet card that steps A 4 is obtained are in unactivated state and judge; Be judged as and continue next step when being; When being judged as not, change steps A 11;
A6. the binding treating apparatus of bank main generates second account corresponding to second card number automatically, and the activation marker of annotating under the record second card number data item;
A7. the binding treating apparatus of bank main generates the main account of first account and described second account that has activated that comprise described bank main card automatically, perhaps under existing main account, add described second account that has activated, and the main account information stores that will generate or upgrade is in described memory storage; The balance of deposits of this main account equals the balance of deposits of first account and the balance of deposits sum of each second account;
A8. the binding treating apparatus of bank main is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, to wallet card open function, limit is set, and will set outcome record in the second account item of second card number and correspondence thereof;
A9. the acceptance of the binding treating apparatus of bank main, is set the wallet card password by being the input information of the processing terminal of carrier with bank's main card by the user, and will set outcome record in the second account item of second card number and correspondence thereof;
Whether A10. the binding treating apparatus of bank main is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, to being to continue to add wallet card to judge; Be judged as and continue next step when being; When being judged as not, change steps A 4;
A11. finish.
The described setting that wallet card is opened function, limit comprises the setting that whether allows to transfer accounts, whether allow the setting of withdrawing deposit and the setting of limit numerical value.
Described cancelling bound processing, and it comprises the steps:
B1. processing terminal reads the magnetic track information of card, and gives bank main with the magnetic track information data transmission;
B2. whether bank main cancels the binding treating apparatus and judges for bank's main card; Be judged as and continue next step when being; When being judged as not, change step B8;
B3. bank main cancels the binding treating apparatus to whether being that wallet card is cancelled binding and judged from the solicited message of processing terminal; Be judged as and continue next step when being; When being judged as not, change step B8;
B4. the binding treating apparatus of cancelling of bank main is accepted by the user by with bank's main card being second card number that the selected plan of processing terminal of carrier is cancelled the wallet card of binding;
B5. cancelling of bank main bound the binding relationship that bank's main card and wallet card are cancelled in the treating apparatus affirmation;
B6. the binding treating apparatus of cancelling of bank main will go in first account of this bank's main card automatically corresponding to the balance of deposits of second account of second card number, and will reject from the main account of this bank's main card corresponding to second account of second card number;
B7. the activation marker that the binding treating apparatus will be recorded under the second card number data item of cancelling of bank main is removed;
B8. finish.
Described wallet card fund is called processing, and it comprises the steps:
C1. processing terminal reads the magnetic track information of card, and gives bank main with the magnetic track information data transmission;
C2. whether the wallet card fund of bank main is called treating apparatus and is judged for bank's main card; Be judged as and continue next step when being; When being judged as not, change step C8;
C3. whether to solicited message from processing terminal be main card to the operation of wallet card judge to the wallet card fund of bank main if calling treating apparatus; Be judged as and continue next step when being; When being judged as not, change step C8;
C4. the wallet card fund of bank main is called treating apparatus and is accepted by the user by with bank's main card being second card number of the wallet card transferred of the selected plan of processing terminal of carrier;
C5. the wallet card fund of bank main is called treating apparatus to whether being that inquiry is detailed, remaining sum is judged from the solicited message of processing terminal; Continue next step when being judged as not; Be judged as when being, show, then change step C8 corresponding to detail, the remaining sum of second account of second card number;
C6. the wallet card fund of bank main is called treating apparatus to whether being that change password, authority are judged from the solicited message of processing terminal; Continue next step when being judged as not; Be judged as when being, the wallet card fund of bank main is called treating apparatus and is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, password, authority to wallet card are changed, and will change the result and be recorded in again in second card number and the corresponding second account item thereof, then change step C8;
C7. the wallet card fund of bank main is called treating apparatus to whether depositing in, produce and judge for whether this wallet card being carried out fund from the solicited message of processing terminal; Continue next step when being judged as not; Be judged as when being, the wallet card fund of bank main is called treating apparatus and is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, execution is carried out fund to this wallet card and is deposited the operation of producing in, and corresponding data are recorded under this second card number data item simultaneously, then change step C8;
C8. finish.
A kind of purse card processing system of the present invention based on bank card, bank's main card can be identical with bank card of the prior art, card/pin the card of opening of bank's main card all has and will hold I.D. by the user and handle to the site bank that opens an account, and first account corresponding with first card number of bank main card is used for writing down the use of funds situation of this bank's main card.Wallet card is from appearance, can be identical with bank card of the prior art, only the magnetic track information of wallet card only has the record card number, wallet card and bank of deposit, client are unconnected, issue by unified making of bank, the user is not activated from the wallet card that bank obtains, and just produces second account corresponding with second card number of wallet card after wallet card only is activated, and second account is used for writing down the use of funds situation of this wallet card.Bank's main card can corresponding wallet card, also can corresponding many wallet card, the main account of former instance comprises one first account and one second account, the main account of former instance comprises one first account and a plurality of second account, and the balance of deposits of main account equals the balance of deposits of first account and the balance of deposits sum of each second account.Wallet card is opened voluntarily/is cancelled by the user, all is to be that carrier is operated with bank's main card when opening or cancelling.
The invention has the beneficial effects as follows, owing to adopted bank's main card, wallet card, processing terminal and bank main to constitute purse card processing system based on bank card, and wallet card is provided with the magnetic track that only comprises second card number information; Bank main includes memory storage, stores at least in this memory storage corresponding to first account of first card number of bank's main card with corresponding to second account of second card number of the wallet card that has been activated; Bank main further also includes the binding treating apparatus, cancel binding treating apparatus and wallet card fund calls treating apparatus; The binding treating apparatus is used for wallet card and bank's main card are bound processing, cancel the binding treating apparatus wallet card that is used for to have bound and from bank's main card, cancel binding, it is by the operation of bank's main card being realized the right of eminent domain to the wallet card fund that the wallet card fund is called treating apparatus, and these bindings are handled, cancel that binding is handled and the wallet card fund to call processing be that carrier is operated with bank's main card all, allow the user can be on any processing terminal with bank main networking opening or cancelling and operate wallet card voluntarily, make wallet card and bank's main card realize binding or releasing, can also bind several wallet card according to the use difference, can also realize the right of eminent domain simultaneously by operation to bank's main card to the wallet card fund, and when losing, wallet card need not report the loss, user oneself just can go to the fund security in the wallet card of losing in bank's main card, thereby guaranteed user's fund, information security, eliminated the inconvenience that card/the pin card is brought of opening of bank card, and brought convenience to the users.
Below in conjunction with drawings and Examples the present invention is described in further detail; But a kind of purse card processing system based on bank card of the present invention is not limited to embodiment.
Description of drawings
Fig. 1 is a system chart of the present invention;
Fig. 2 is the process flow diagram that binding of the present invention is handled;
Fig. 3 is the process flow diagram that binding is handled of cancelling of the present invention;
Fig. 4 is that wallet card fund of the present invention is called the process flow diagram of processing;
Fig. 5 is the process flow diagram that wallet card of the present invention is handled;
Fig. 6 is the process flow diagram of main account query processing of the present invention.
Embodiment
Referring to shown in Figure 1, a kind of purse card processing system based on bank card of the present invention comprises bank's main card 1, wallet card 2, processing terminal 3 and bank main 4, wherein:
Realize the mutual biography of data between bank main 4 and the processing terminal 3 by networking mode;
Bank's main card 1 is provided with the magnetic track that comprises first card number, subscriber data and bank of deposit's data information;
Bank main 4 includes memory storage 41, stores at least in this memory storage 41 corresponding to first account of first card number of bank's main card with corresponding to second account of second card number of the wallet card that has been activated;
Processing terminal 3 reads with the magnetic track information to the bank's main card 1 that inserts this card reading interface or wallet card 2 by card reading interface and the magnetic track information that reads is transferred to bank main 4;
Bank main 4 also includes account fund clearing device 42,42 pairs of solicited messages that come from processing terminal 3 of account fund clearing device are handled, will with bank's main card 1 be the clearance outcome record of carrier in first account corresponding to first card number, or will be that the clearance outcome record of carrier is in second account corresponding to second card number with wallet card 2;
Bank main 4 further also includes binding treating apparatus 43, cancel binding treating apparatus 44 and wallet card fund calls treating apparatus 45;
What 43 pairs of described binding treating apparatus came from processing terminal 3 is that the solicited message of carrier is carried out wallet card 2 bindings and handled with bank's main card 1, generate or upgrade the main account that comprises first account and one or more second accounts that activated, and with this main account information stores in described memory storage 41; The balance of deposits of this main account equals the balance of deposits of first account and the balance of deposits sum of each second account;
It is described that what cancel that 44 pairs for the treatment of apparatus of binding come from processing terminal 3 is that the solicited message of carrier is carried out wallet card 2 and cancelled binding and handle with bank's main card 1, second account of cancelling binding is rejected from main account, and the balance of deposits of the second disallowable account is changed in first account automatically;
What described wallet card fund called that 45 pairs for the treatment of apparatus come from processing terminal is that the solicited message of carrier is carried out the wallet card fund and called processing with bank's main card 1, is to realize the right of eminent domain to the wallet card fund by the operation to bank's main card.
Referring to shown in Figure 2, described binding is handled, and it comprises the steps:
A1. processing terminal reads the magnetic track information of card, and gives bank main with the magnetic track information data transmission; Shown in the frame among Fig. 2 201;
A2. whether the binding treating apparatus of bank main is judged for bank's main card; Be judged as and continue next step when being; When being judged as not, change steps A 11; Shown in the frame among Fig. 2 202;
A3. whether the binding treating apparatus of bank main is to add wallet card to judge to the solicited message from processing terminal; Be judged as and continue next step when being; When being judged as not, change steps A 11; Shown in the frame among Fig. 2 203;
A4. the binding treating apparatus of bank main is accepted by the user by with bank's main card being the second card number data of the wallet card imported of the processing terminal of carrier; Shown in the frame among Fig. 2 204;
A5. whether the second card number data of the binding treating apparatus of bank main wallet card that steps A 4 is obtained are in unactivated state and judge; Be judged as and continue next step when being; When being judged as not, change steps A 11; Shown in the frame among Fig. 2 205;
A6. the binding treating apparatus of bank main generates second account corresponding to second card number automatically, and the activation marker of annotating under the record second card number data item; Shown in the frame among Fig. 2 206;
A7. the binding treating apparatus of bank main generates the main account of first account and described second account that has activated that comprise described bank main card automatically, perhaps under existing main account, add described second account that has activated, and the main account information stores that will generate or upgrade is in described memory storage; The balance of deposits of this main account equals the balance of deposits of first account and the balance of deposits sum of each second account; Shown in the frame among Fig. 2 207;
A8. the binding treating apparatus of bank main is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, to wallet card open function, limit is set, and will set outcome record in the second account item of second card number and correspondence thereof; Shown in the frame among Fig. 2 208;
A9. the acceptance of the binding treating apparatus of bank main, is set the wallet card password by being the input information of the processing terminal of carrier with bank's main card by the user, and will set outcome record in the second account item of second card number and correspondence thereof; Shown in the frame among Fig. 2 209;
Whether A10. the binding treating apparatus of bank main is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, to being to continue to add wallet card to judge; Be judged as and continue next step when being; When being judged as not, change steps A 4; Shown in the frame among Fig. 2 210;
A11. finish; Shown in the frame among Fig. 2 211.
The described setting that wallet card is opened function, limit comprises the setting that whether allows to transfer accounts, whether allow the setting of withdrawing deposit and the setting of limit numerical value.
Referring to shown in Figure 3, described cancelling bound processing, and it comprises the steps:
B1. processing terminal reads the magnetic track information of card, and gives bank main with the magnetic track information data transmission; Shown in the frame among Fig. 3 301;
B2. whether bank main cancels the binding treating apparatus and judges for bank's main card; Be judged as and continue next step when being; When being judged as not, change step B8; Shown in the frame among Fig. 3 302;
B3. bank main cancels the binding treating apparatus to whether being that wallet card is cancelled binding and judged from the solicited message of processing terminal; Be judged as and continue next step when being; When being judged as not, change step B8; Shown in the frame among Fig. 3 303;
B4. the binding treating apparatus of cancelling of bank main is accepted by the user by with bank's main card being second card number that the selected plan of processing terminal of carrier is cancelled the wallet card of binding; Shown in the frame among Fig. 3 304;
B5. cancelling of bank main bound the binding relationship that bank's main card and wallet card are cancelled in the treating apparatus affirmation; Shown in the frame among Fig. 3 305;
B6. the binding treating apparatus of cancelling of bank main will go in first account of this bank's main card automatically corresponding to the balance of deposits of second account of second card number, and will reject from the main account of this bank's main card corresponding to second account of second card number; Shown in the frame among Fig. 3 306;
B7. the activation marker that the binding treating apparatus will be recorded under the second card number data item of cancelling of bank main is removed; Shown in the frame among Fig. 3 307;
B8. finish; Shown in the frame among Fig. 3 308.
Referring to shown in Figure 4, described wallet card fund is called processing, and it comprises the steps:
C1. processing terminal reads the magnetic track information of card, and gives bank main with the magnetic track information data transmission; Shown in the frame among Fig. 4 401;
C2. whether the wallet card fund of bank main is called treating apparatus and is judged for bank's main card; Be judged as and continue next step when being; When being judged as not, change step C8; Shown in the frame among Fig. 4 402;
C3. whether to solicited message from processing terminal be main card to the operation of wallet card judge to the wallet card fund of bank main if calling treating apparatus; Be judged as and continue next step when being; When being judged as not, change step C8; Shown in the frame among Fig. 4 403;
C4. the wallet card fund of bank main is called treating apparatus and is accepted by the user by with bank's main card being second card number of the wallet card transferred of the selected plan of processing terminal of carrier; Shown in the frame among Fig. 4 404;
C5. the wallet card fund of bank main is called treating apparatus to whether being that inquiry is detailed, remaining sum is judged from the solicited message of processing terminal, shown in the frame among Fig. 4 405; Continue next step when being judged as not; Be judged as when being, show, then change step C8, shown in the frame among Fig. 4 409 corresponding to detail, the remaining sum of second account of second card number;
C6. the wallet card fund of bank main is called treating apparatus to whether being that change password, authority are judged from the solicited message of processing terminal, shown in the frame among Fig. 4 406; Continue next step when being judged as not; Be judged as when being, the wallet card fund of bank main is called treating apparatus and is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, password, authority to wallet card are changed, and will change the result and be recorded in again in second card number and the corresponding second account item thereof, then change step C8, shown in the frame among Fig. 4 410;
C7. the wallet card fund of bank main is called treating apparatus to whether depositing in, produce and judge for whether this wallet card being carried out fund from the solicited message of processing terminal, shown in the frame among Fig. 4 407; Continue next step when being judged as not; Be judged as when being, the wallet card fund of bank main is called treating apparatus and is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, execution is carried out fund to this wallet card and is deposited the operation of producing in, and corresponding data are recorded under this second card number data item simultaneously, then change step C8, shown in the frame among Fig. 4 411;
C8. finish, shown in the frame among Fig. 4 408.
Referring to shown in Figure 5, described wallet card is handled, and it comprises the steps:
D1. processing terminal reads the magnetic track information of card, and gives bank main with the magnetic track information data transmission; Shown in the frame among Fig. 5 501;
D2. whether the account fund clearing device of bank main is to being that wallet card is judged; Be judged as and continue next step when being; When being judged as not, change step 7; Shown in the frame among Fig. 5 502;
D3. whether the account fund clearing device of bank main is that inquiry is detailed, remaining sum is judged to the solicited message from processing terminal, shown in the frame among Fig. 5 503; Continue next step when being judged as not; Be judged as when being, show, then change step 8, shown in the frame among Fig. 5 508 corresponding to detail, the remaining sum of second account of second card number;
D4. whether the account fund clearing device of bank main is that the change password is judged to the solicited message from processing terminal, shown in the frame among Fig. 5 504; Continue next step when being judged as not; Be judged as when being, the account fund clearing device of bank main is accepted by the user by being the input information of the processing terminal of carrier with the wallet card, password to wallet card is changed, and will change the result and be recorded in again in second card number and the corresponding second account item thereof, then change step 7, shown in the frame among Fig. 5 509;
D5. whether the account fund clearing device of bank main is judged for depositing fund in the solicited message from processing terminal, shown in the frame among Fig. 5 505; Continue next step when being judged as not; Be judged as when being, the account fund clearing device of bank main is accepted by the user by being the input information of the processing terminal of carrier with the wallet card, the fund data of adding are recorded in the second account item of second card number and correspondence thereof, then change step 7, shown in the frame among Fig. 5 510;
D6. whether the account fund clearing device of bank main is to prop up to provide funds to judge to the solicited message from processing terminal, shown in the frame among Fig. 5 506; Continue next step when being judged as not; Be judged as when being, the account fund clearing device of bank main is accepted by the user by being the input information of the processing terminal of carrier with the wallet card, the cash data of expenditure is recorded in the second account item of second card number and correspondence thereof, then changes step 7, shown in the frame among Fig. 5 511;
D7. finish, shown in the frame among Fig. 5 507.
Referring to shown in Figure 6, described main account query processing, it comprises the steps:
E1. processing terminal reads the magnetic track information of card, and gives bank main with the magnetic track information data transmission; Shown in the frame among Fig. 6 601;
E2. whether the account fund clearing device of bank main is judged for bank's main card; Be judged as and continue next step when being; When being judged as not, change step 5; Shown in the frame among Fig. 6 602;
E3. whether the account fund clearing device of bank main is that the inquiry main account is judged to the solicited message from processing terminal, shown in the frame among Fig. 6 603; Continue next step when whether being judged as; Be judged as when being, show main account information, then change step 5, shown in the frame among Fig. 6 606;
E4. whether the account fund clearing device of bank main is that inquiry first account is judged to the solicited message from processing terminal, shown in the frame among Fig. 6 604; Continue next step when whether being judged as; Be judged as when being, show first accounts information, then change step 5, shown in the frame among Fig. 6 607;
E5. finish, shown in the frame among Fig. 6 605.
A kind of purse card processing system of the present invention based on bank card, bank's main card 1 can be identical with bank card of the prior art, card/pin the card of opening of bank's main card 1 all has and will hold I.D. by the user and handle to the site bank that opens an account, and first account corresponding with first card number of bank main card is used for writing down the use of funds situation of this bank's main card.Wallet card 2 is from appearance, can be identical with bank card of the prior art, only the magnetic track information of wallet card only has the record card number, wallet card 2 and bank of deposit, client are unconnected, issue by unified making of head office, the user is not activated from the wallet card that bank obtains, and just produces second account corresponding with second card number of wallet card after wallet card 2 only is activated, and second account is used for writing down the use of funds situation of this wallet card.Bank's main card can corresponding wallet card, also can corresponding many wallet card, the main account of former instance comprises one first account and one second account, the main account of former instance comprises one first account and a plurality of second account, and the balance of deposits of main account equals the balance of deposits of first account and the balance of deposits sum of each second account.Wallet card is opened voluntarily/is cancelled by the user, all is to be that carrier is operated with bank's main card when opening or cancelling.
A kind of purse card processing system of the present invention based on bank card, this system has following function and effect thereof:
As a bridge between bank's main card and the businessman, its effect is similar to the wallet that we carry with wallet card, need not to confirm personal identification (user is with wallet card card number and password) when using its payment.Wallet card will partly replace our bank card this moment, it replaces bank's main card to be engaged in finance activities, as long as just can solve general monetary affair with going up wallet card at ordinary times, wallet card is a subcard of bank's main card, and all interests and the total mark of consumption of wallet card can be embodied on bank's main card.
To the clerk counter application, wallet card only writes down card number information to wallet card by the user, and wallet card is in unactivated state under the original state, can't use.The go forward side by side operation of line correlation of the binding relationship that the user sets up wallet card and bank's main card by modes such as Mobile banking, Web bank, self-aided terminal or clerk counters activates wallet card.Bank gives this bank's main card the operating right different with wallet card.
The corresponding relation of wallet card and bank's main card has only bank and user to know, wallet card is if lose, and other people can't oppositely recognize any information of user from wallet card, ensures user's information security, and wallet card is a stealthy card of bank's main card.
Bank's main card is two-way for the operation of wallet card, both wallet card was saved in the past, again can the user think wallet card money must be gone back to the time easily with the fund of wallet card partly or entirely (when losing) as wallet card go back to bank's main card, and wallet card does not allow overdraw, can only use existing fund in the card, use wallet card to carry out any operation, ensure the fund security of user bank main card bank's main card.
Can cancel with the binding relationship of wallet card at any time or add new wallet card by bank's main card, when wallet card is lost or user when thinking dangerous, the user can cancel binding relationship with this wallet card by bank's main card, this moment, the fund of wallet card can all go back to bank's main card, and can in time bind and use new wallet card, the wallet card of losing this moment is exactly a useless card, avoided that bank card is in the past reported the loss, loaded down with trivial details in the complete formalities, and can guarantee that the user uses fund continuously.
Give depositing, withdrawing money, transferring accounts and consumption function of the general bank card of wallet card, can carry out the bankcard consumption shopping in franchised business by professional password, even can embed the function that chip is given intellective IC card, use wallet card also can ride, can refuel and use by the consumption of induction POS machine, settle accounts for the client provides small amount payment as the logical card of e in part businessman.And the marketing by bank, increase industry, the use of convenient wallet card by the consumption of induction POS machine.
Wallet card possesses under original state and deposits, withdraws money, transfers accounts and the payment and settlement function of normal deposit card such as consumption, the function that the user can open according to the different self-service selection needs of operating position, and, Bank Account Number allows the such user of a plurality of wallet card of binding just can be from bank's main card several wallet card of deriving according to demand, as: the special use (can limit numerical ceiling) of generally doing shopping, family according to consumption habit buy vegetables special use (according to end user's situation such as nurse buy vegetables special use can limit withdraw the money, transfer accounts and numerical ceiling) and the special use etc. of going out.
Can utilize the convenient means such as telephone bank, Mobile banking, Web bank, self-aided terminal or clerk counter of bank, by operation bank main card realize to the wallet card of binding carry out the balance detail inquiry, change professional password, the change rights of using, with the fund of bank's main card business such as commentaries on classics (after setting up binding relationship mutually, because the relation of wallet card and bank's main card is bound, transfer accounts and need not to import number of the account, the process of transferring accounts is very convenient), and cash etc. is transferred accounts, extracted to producing of wallet card.
Though wallet card is non-tangible, for stopping the situation of growing crime that wallet card is brought, wallet card just can normally be used after must setting up binding relationship and password is set with bank's main card, wallet card can only with bank's main card opening relationships, any operation note of wallet card is all on bank's main card, the binding relationship of wallet card and this bank's main card also can clearly be recognized from banking system, in fact wallet card is exactly a subcard of bank's main card, also meets the relevant regulations of China's real-name savings deposit system; Because wallet card information one-way, after the use wallet card, bank can more effectively protect the citizen to deposit the right of privacy.
The distribution of wallet card: the wallet card that can make some different-styles, picture fineness, also can make the wallet card of fashion according to some fashion elements, jointly make with businessman and to possess member's function wallet card that gives a discount, can also make the wallet card that can add wet goods small amount payment function ... cooperate the distribution popularization of wallet card to sell, make the user select a wallet card that is fit to oneself, allow have wallet card and become a kind of symbol that shows individual character, fashion as selecting a wallet of oneself liking.
The use of wallet card meets people's traditional consumption custom, can be as follows for the benefit that user, businessman and bank bring:
For the user: progressively form good habit, avoided the puzzlement of counterfeit money, also avoided the trouble of shopping small change simultaneously, simultaneously owing to can be easily the fund of wallet card be all produced the fund loss that has brought when having avoided the user to lose wallet card with card consumption.We can suppose so several scenes: scene one, and the user can be provided with a family that only the possesses consumption function special-purpose wallet card of buying vegetables, uses to nurse, will be very convenient; Scene two, the user is when going out, as long as be with wallet card, if lost because of carelessness, only need immediately by, telephone bank, Mobile banking, Web bank or notify the household to hold bank's main card to pass through to the binding relationship that modes such as self-aided terminal, clerk counter are cancelled and lost wallet card immediately, this moment, the fund of this wallet card can all go back to bank's main card, again apply for a new wallet card to local bank then, can use immediately after rebuliding binding relationship and changing fund over to, greatly facilitate the user.Wallet card also can avoid the user owing to the worry account safety has been handled several bank cards, has made things convenient for user's capital management, has also saved the annual fee expenditure of bank card.
For bank: the stored value card that each tame bank released before wallet card was different from (stored value card of Tui Chuing just possess the intellective IC card of small amount payment or be used for online payment virtual card) in the past; The pair card (secondary card and the in fact shared account of main card can't solve the account safety problem, and it are loaded down with trivial details to go through the formalities) that also is different from credit card.Wallet card is an out and out bank card, its access freely, risk is controlled, easy to use, the traditional consumption that meets people is accustomed to, if the use of wallet card can improve the convenience degree that the user uses bank card, really it is convenient to bring to the user, will help the marketing of bank individual business; By the use of wallet card, can promote the custom of user self-help operation, promote bank in user's electronic cognition degree in the heart, reduce teller's pressure; Selling also of wallet card will bring profit to bank.
For businessman: because that wallet card is brought to the user is convenient, the client more is ready to use wallet card consumption, will reduce businessman's cash and check, deposits bank's link, the increase velocity of money; Shortened collect money, the trouble of small change, improved efficient, avoid the puzzlement of counterfeit money; And can attract the more consumer group because shopping has made things convenient for, improve the benefit of businessman.
The foregoing description only is used for further specifying a kind of purse card processing system based on bank card of the present invention; but the present invention is not limited to embodiment; every foundation technical spirit of the present invention all falls into the protection domain of technical solution of the present invention to any simple modification, equivalent variations and modification that above embodiment did.
Claims (5)
1. purse card processing system based on bank card is characterized in that: comprise bank's main card, wallet card, processing terminal and bank main, wherein:
Realize the mutual biography of data between bank main and the processing terminal by networking mode;
Bank's main card is provided with the magnetic track that comprises first card number, subscriber data and bank of deposit's data information;
Wallet card is provided with the magnetic track that only comprises second card number information;
Bank main includes memory storage, stores at least in this memory storage corresponding to first account of first card number of bank's main card with corresponding to second account of second card number of the wallet card that has been activated;
Processing terminal reads with the magnetic track information to the bank's main card that inserts this card reading interface or wallet card by card reading interface and the magnetic track information that reads is transferred to bank main;
Bank main also includes account fund clearing device, the account, the fund clearing device handled the solicited message that comes from processing terminal, will with bank's main card be the clearance outcome record of carrier in first account corresponding to first card number, or will be that the clearance outcome record of carrier is in second account corresponding to second card number with the wallet card;
Bank main further also includes the binding treating apparatus, cancel binding treating apparatus and wallet card fund calls treating apparatus;
Described binding treating apparatus is that the solicited message of carrier is carried out the wallet card binding and handled to what come from processing terminal with bank's main card, generate or upgrade the main account that comprises first account and one or more second accounts that activated, and with this main account information stores in described memory storage; The balance of deposits of this main account equals the balance of deposits of first account and the balance of deposits sum of each second account;
The described binding treating apparatus of cancelling is that the solicited message of carrier is carried out wallet card and cancelled binding and handle to what come from processing terminal with bank's main card, second account of cancelling binding is rejected from main account, and the balance of deposits of the second disallowable account is changed in first account automatically;
It is that the solicited message of carrier is carried out the wallet card fund and called processing to what come from processing terminal with bank's main card that described wallet card fund is called treating apparatus, the fund in one or more second accounts is deposited in first account, and upgrade main account.
2. the purse card processing system based on bank card according to claim 1 is characterized in that: described binding is handled, and it comprises the steps:
A1. processing terminal reads the magnetic track information of card, and gives bank main with the magnetic track information data transmission;
A2. whether the binding treating apparatus of bank main is judged for bank's main card; Be judged as and continue next step when being; When being judged as not, change steps A 11;
A3. whether the binding treating apparatus of bank main is to add wallet card to judge to the solicited message from processing terminal; Be judged as and continue next step when being; When being judged as not, change steps A 11;
A4. the binding treating apparatus of bank main is accepted by the user by with bank's main card being the second card number data of the wallet card imported of the processing terminal of carrier;
A5. whether the second card number data of the binding treating apparatus of bank main wallet card that steps A 4 is obtained are in unactivated state and judge; Be judged as and continue next step when being; When being judged as not, change steps A 11;
A6. the binding treating apparatus of bank main generates second account corresponding to second card number automatically, and the activation marker of annotating under the record second card number data item;
A7. the binding treating apparatus of bank main generates the main account of first account and described second account that has activated that comprise described bank main card automatically, perhaps under existing main account, add described second account that has activated, and the main account information stores that will generate or upgrade is in described memory storage; The balance of deposits of this main account equals the balance of deposits of first account and the balance of deposits sum of each second account;
A8. the binding treating apparatus of bank main is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, to wallet card open function, limit is set, and will set outcome record in the second account item of second card number and correspondence thereof;
A9. the acceptance of the binding treating apparatus of bank main, is set the wallet card password by being the input information of the processing terminal of carrier with bank's main card by the user, and will set outcome record in the second account item of second card number and correspondence thereof;
Whether A10. the binding treating apparatus of bank main is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, to being to continue to add wallet card to judge; Be judged as and continue next step when being; When being judged as not, change steps A 4;
A11. finish.
3. the purse card processing system based on bank card according to claim 2 is characterized in that: the described setting that wallet card is opened function, limit comprises the setting that whether allows to transfer accounts, whether allow the setting of withdrawing deposit and the setting of limit numerical value.
4. the purse card processing system based on bank card according to claim 1 is characterized in that: described cancelling bound processing, and it comprises the steps:
B1. processing terminal reads the magnetic track information of card, and gives bank main with the magnetic track information data transmission;
B2. whether bank main cancels the binding treating apparatus and judges for bank's main card; Be judged as and continue next step when being; When being judged as not, change step B8;
B3. bank main cancels the binding treating apparatus to whether being that wallet card is cancelled binding and judged from the solicited message of processing terminal; Be judged as and continue next step when being; When being judged as not, change step B8;
B4. the binding treating apparatus of cancelling of bank main is accepted by the user by with bank's main card being second card number that the selected plan of processing terminal of carrier is cancelled the wallet card of binding;
B5. cancelling of bank main bound the binding relationship that bank's main card and wallet card are cancelled in the treating apparatus affirmation;
B6. the binding treating apparatus of cancelling of bank main will go in first account of this bank's main card automatically corresponding to the balance of deposits of second account of second card number, and will reject from the main account of this bank's main card corresponding to second account of second card number;
B7. the activation marker that the binding treating apparatus will be recorded under the second card number data item of cancelling of bank main is removed;
B8. finish.
5. the purse card processing system based on bank card according to claim 1 is characterized in that: described wallet card fund is called processing, and it comprises the steps:
C1. processing terminal reads the magnetic track information of card, and gives bank main with the magnetic track information data transmission;
C2. whether the wallet card fund of bank main is called treating apparatus and is judged for bank's main card; Be judged as and continue next step when being; When being judged as not, change step C8;
C3. whether to solicited message from processing terminal be main card to the operation of wallet card judge to the wallet card fund of bank main if calling treating apparatus; Be judged as and continue next step when being; When being judged as not, change step C8;
C4. the wallet card fund of bank main is called treating apparatus and is accepted by the user by with bank's main card being second card number of the wallet card transferred of the selected plan of processing terminal of carrier;
C5. the wallet card fund of bank main is called treating apparatus to whether being that inquiry is detailed, remaining sum is judged from the solicited message of processing terminal; Continue next step when being judged as not; Be judged as when being, show, then change step C8 corresponding to detail, the remaining sum of second account of second card number;
C6. the wallet card fund of bank main is called treating apparatus to whether being that change password, authority are judged from the solicited message of processing terminal; Continue next step when being judged as not; Be judged as when being, the wallet card fund of bank main is called treating apparatus and is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, password, authority to wallet card are changed, and will change the result and be recorded in again in second card number and the corresponding second account item thereof, then change step C8;
C7. the wallet card fund of bank main is called treating apparatus to whether depositing in, produce and judge for whether this wallet card being carried out fund from the solicited message of processing terminal; Continue next step when being judged as not; Be judged as when being, the wallet card fund of bank main is called treating apparatus and is accepted by the user by being the input information of the processing terminal of carrier with bank's main card, execution is carried out fund to this wallet card and is deposited the operation of producing in, and corresponding data are recorded under this second card number data item simultaneously, then change step C8;
C8. finish.
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| CN 200910111621 CN101567104B (en) | 2009-04-24 | 2009-04-24 | Purse card processing system based on bank card |
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| CN 200910111621 CN101567104B (en) | 2009-04-24 | 2009-04-24 | Purse card processing system based on bank card |
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| CN101567104B CN101567104B (en) | 2013-06-26 |
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| CN106529938A (en) * | 2015-09-09 | 2017-03-22 | 腾讯科技（深圳）有限公司 | Virtual card issuing method, device and terminal |
| CN106557972A (en) * | 2015-09-30 | 2017-04-05 | 腾讯科技（深圳）有限公司 | Realize the information processing method and system of Virtual User card |
| CN110766393A (en) * | 2019-10-30 | 2020-02-07 | 杭州火小二科技有限公司 | Fund settlement method and device, storage medium and electronic device |
| CN110942308A (en) * | 2019-11-15 | 2020-03-31 | 北京三快在线科技有限公司 | Resource transfer method, device, computer equipment and storage medium |
| CN113962346A (en) * | 2021-11-17 | 2022-01-21 | 中国工商银行股份有限公司 | Bank card business processing method, device, equipment, medium and program product |
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| CN101567104B (en) | 2013-06-26 |
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