CN101567104B - Purse card processing system based on bank card - Google Patents
Purse card processing system based on bank card Download PDFInfo
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- CN101567104B CN101567104B CN 200910111621 CN200910111621A CN101567104B CN 101567104 B CN101567104 B CN 101567104B CN 200910111621 CN200910111621 CN 200910111621 CN 200910111621 A CN200910111621 A CN 200910111621A CN 101567104 B CN101567104 B CN 101567104B
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- 238000012545 processing Methods 0.000 title claims abstract description 124
- 238000009739 binding Methods 0.000 claims abstract description 101
- 230000027455 binding Effects 0.000 claims abstract description 101
- 238000012546 transfer Methods 0.000 claims abstract description 7
- 230000006855 networking Effects 0.000 claims abstract description 6
- 230000006870 function Effects 0.000 claims description 15
- 230000005055 memory storage Effects 0.000 claims description 14
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- 238000000034 method Methods 0.000 claims description 12
- 230000008569 process Effects 0.000 claims description 12
- 230000005540 biological transmission Effects 0.000 claims description 11
- 230000004913 activation Effects 0.000 claims description 6
- 239000003550 marker Substances 0.000 claims description 6
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- 230000003213 activating effect Effects 0.000 abstract 1
- 238000010586 diagram Methods 0.000 description 5
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- 235000013311 vegetables Nutrition 0.000 description 3
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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 and can open, authorize or cancel voluntarily the purse card processing system based on bank card of processing to wallet 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 daily life, particularly in consumer field.Bankcard consumption is the critical function of bank card, and bankcard consumption can be exempted the drawback that need carry buckets of cash when the consumer does shopping, can effectively stop growing of counterfeit money 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 is mainly due to 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 the individual bankroll management.
Although 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, its process of opening card/pin card all will be held I.D. by the user and be handled 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 its handling of card loss process will extremely bother: user's oral reporting the loss that first must lose no time 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 again be made card and post to the user for the user; If debit card or accurate credit card 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 be every carrying out that phone is reported the loss in 5 days until just can handle after going back to bank of deposit or ruing the temporary identity proof of public security bureau well and writtenly report the loss, make up, and during this period of time account with frozen (certainly, the mode of handling of the various cards of different bank slightly different); Although can guarantee to a certain extent the fund security of user account by such program, but make troubles also for user's use of funds, owing to blocking interior fund account with frozen, the user can't use the fund in 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 if after card is lost, the user 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 object 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 remove, can also bind several wallet card according to the use difference, can also realize by the operation to bank's main card simultaneously the right of eminent domain 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/pin card is brought of opening of bank card, and bring 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 processing terminal by networking mode;
Bank's main card is provided with the magnetic track that comprises the first card number, subscriber data and bank of deposit's data information;
Wallet card is provided with the magnetic track that only comprises the second card number information;
Bank main includes memory storage, stores at least in this memory storage corresponding to the first account of the first card number of bank's main card with corresponding to the second account of the second card number of the wallet card that has been activated;
Processing terminal by card reading interface so that bank's main card of inserting this card reading interface or the magnetic track information of wallet card are read and the magnetic track information that reads are transferred to bank main;
Bank main also includes account fund clearance device, the account, the fund clearing device processed the solicited message that comes from processing terminal, with the clearance outcome record take bank's main card as carrier in the first account corresponding to the first card number, or with the clearance outcome record take wallet card as carrier in the second account corresponding to the second card number;
Bank main further also includes the binding treating apparatus, cancel binding treating apparatus and wallet card fund calls treating apparatus;
Described binding treating apparatus carries out the wallet card binding to the solicited message take bank's main card as carrier that comes from processing terminal to be processed, generation or renewal comprise the main account of the first account and one or more the second accounts that activated, and this main account information is stored in described memory storage; The balance of deposits of this main account equals the balance of deposits of the first account and the balance of deposits sum of each the second account;
The described binding treating apparatus of cancelling carries out wallet card to the solicited message take bank's main card as carrier that comes from processing terminal and cancels binding and process, the second account of cancelling binding is rejected from main account, and the balance of deposits of the second disallowable account is changed in the first account automatically;
Described wallet card fund is called treating apparatus and the solicited message take bank's main card as carrier that comes from processing terminal is carried out the wallet card fund is called processing, realizes the right of eminent domain to the wallet card fund by the operation to bank's main card.
Described binding is processed, and it comprises the steps:
A1. processing terminal reads the magnetic track information of card, and with the magnetic track information data transmission to bank main;
A2. whether the binding treating apparatus of bank main is to being that bank's main card judges; Continue next step when being judged as YES; When being judged as NO, turn 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; Continue next step when being judged as YES; When being judged as NO, turn steps A 11;
A4. the binding treating apparatus of bank main is accepted the second card number data of the wallet card inputted by the processing terminal take bank's main card as carrier by the user;
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; Continue next step when being judged as YES; When being judged as NO, turn steps A 11;
A6. the binding treating apparatus of bank main generates the second account corresponding to the second card number automatically, and the activation marker of annotating under record the second card number data item;
A7. the binding treating apparatus of bank main generates the main account of the first account and described the second account that has activated that comprise described bank main card automatically, perhaps add described the second account that has activated under existing main account, and the main account information that will generate or upgrade is stored in described memory storage; The balance of deposits of this main account equals the balance of deposits of the first account and the balance of deposits sum of each the second account;
A8. the binding treating apparatus of bank main is accepted by the input message of user by the processing terminal take bank's main card as carrier, to wallet card open function, limit is set, and will set outcome record in the second account item of the second card number and correspondence thereof;
A9. the binding treating apparatus of bank main is accepted by the input message of user by the processing terminal take bank's main card as carrier, the wallet card password is set, and will be set outcome record in the second account item of the second card number and correspondence thereof;
Whether A10. the binding treating apparatus of bank main is accepted by the input message of user by the processing terminal take bank's main card as carrier, to being to continue to add wallet card to judge; Continue next step when being judged as YES; When being judged as NO, turn 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 with the magnetic track information data transmission to bank main;
B2. bank main cancels the binding treating apparatus to whether being that bank's main card judges; Continue next step when being judged as YES; When being judged as NO, turn step B8;
B3. bank main cancels the binding treating apparatus to being whether that wallet card is cancelled binding and judged from the solicited message of processing terminal; Continue next step when being judged as YES; When being judged as NO, turn step B8;
B4. the binding treating apparatus of cancelling of bank main accepts to be cancelled by the selected plan of the processing terminal take bank's main card as carrier by the user the second card number of 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 confirmation;
B6. the binding treating apparatus of cancelling of bank main will go in the first account of this bank's main card automatically corresponding to the balance of deposits of the second account of the second card number, and will reject from the main account of this bank's main card corresponding to the second account of the 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 with the magnetic track information data transmission to bank main;
C2. the wallet card fund of bank main is called treating apparatus to whether being that bank's main card judges; Continue next step when being judged as YES; When being judged as NO, turn step C8;
C3. whether the wallet card fund of bank main is called treating apparatus and to being main card from the solicited message of processing terminal, the operation of wallet card is judged; Continue next step when being judged as YES; When being judged as NO, turn step C8;
C4. the wallet card fund of bank main is called the second card number that treating apparatus is accepted the wallet card transferred by the selected plan of the processing terminal take bank's main card as carrier by the user;
C5. the wallet card fund of bank main is called treating apparatus to whether being that inquiry is detailed, remaining sum judges from the solicited message of processing terminal; Continue next step when being judged as NO; When being judged as YES, show corresponding to detail, the remaining sum of the second account of the second card number, then turn step C8;
C6. the wallet card fund of bank main is called treating apparatus to whether being that change password, authority judge from the solicited message of processing terminal; Continue next step when being judged as NO; When being judged as YES, the wallet card fund of bank main is called treating apparatus and is accepted by the input message of user by the processing terminal take bank's main card as carrier, password, authority to wallet card are changed, and will change result and again be recorded in the second card number and corresponding the second account item thereof, then turn step C8;
C7. the wallet card fund of bank main is called treating apparatus and is deposited in, produces and judge whether for whether, this wallet card being carried out fund from the solicited message of processing terminal; Continue next step when being judged as NO; When being judged as YES, the wallet card fund of bank main is called treating apparatus and is accepted by the input message of user by the processing terminal take bank's main card as carrier, 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 turn step C8;
C8. finish.
A kind of purse card processing system based on bank card of the present invention, bank's main card can be identical with bank card of the prior art, card/the pin card of opening of bank's main card has and will hold I.D. by the user and handle to the site bank that opens an account, and first account corresponding with the first card number of bank main card is used for recording the use of funds situation of this bank's main card.Wallet card from the appearance, can be identical with bank card of the prior art, only the magnetic track information of wallet card only records card number, wallet card and bank of deposit, client are unconnected, issued by unified making of bank, the user is not activated from the wallet card that bank obtains, wallet card rear second account corresponding with the second card number of wallet card that just produce that only be activated, and the second account is used for recording 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 first account and second account, the main account of former instance comprises first account and a plurality of the second account, and the balance of deposits of main account equals the balance of deposits of the first account and the balance of deposits sum of each the second account.Wallet card is opened voluntarily/is cancelled by the user, is all to operate take bank's main card as carrier when opening or cancelling.
the invention has the beneficial effects as follows, owing to having adopted bank's main card, wallet card, processing terminal and bank main to consist of purse card processing system based on bank card, and wallet card is provided with the magnetic track that only comprises the second card number information, bank main includes memory storage, stores at least in this memory storage corresponding to the first account of the first card number of bank's main card with corresponding to the second account of the 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 cancel binding from bank's main card, 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 processed, cancel that binding is processed and the wallet card fund is called processing and all operated take bank's main card as carrier, 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 remove, can also bind several wallet card according to the use difference, can also realize by the operation to bank's main card simultaneously the right of eminent domain 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/pin card is brought of opening of bank card, and bring 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 system chart of the present invention;
Fig. 2 is the process flow diagram that binding of the present invention is processed;
Fig. 3 is the process flow diagram that binding is processed 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 processed;
Fig. 6 is the process flow diagram of main account query processing of the present invention.
Embodiment
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 processing terminal 3 by networking mode;
Bank's main card 1 is provided with the magnetic track that comprises the first card number, subscriber data and bank of deposit's data information;
Wallet card 2 is provided with the magnetic track that only comprises the second card number information;
Bank main 4 includes memory storage 41, stores at least in this memory storage 41 corresponding to the first account of the first card number of bank's main card with corresponding to the second account of the second card number of the wallet card that has been activated;
Bank main 4 also includes account fund clearance device 42,42 pairs of solicited messages that come from processing terminal 3 of account fund clearing device are processed, with the clearance outcome record take bank's main card 1 as carrier in the first account corresponding to the first card number, or with the clearance outcome record take wallet card 2 as carrier in the second account corresponding to the second card number;
Bank main 4 further also includes binding treating apparatus 43, cancel binding treating apparatus 44 and wallet card fund calls treating apparatus 45;
43 pairs of described binding treating apparatus come from the solicited message take bank's main card 1 as carrier of processing terminal 3 and carry out wallet card 2 binding processing, generation or renewal comprise the main account of the first account and one or more the second accounts that activated, and this main account information is stored in described memory storage 41; The balance of deposits of this main account equals the balance of deposits of the first account and the balance of deposits sum of each the second account;
Describedly cancel the solicited message take bank's main card 1 as carrier that 44 pairs for the treatment of apparatus of binding come from processing terminal 3 and carry out wallet card 2 and cancel binding and process, the second account of cancelling binding is rejected from main account, and the balance of deposits of the second disallowable account is changed in the first account automatically;
Described wallet card fund is called the solicited message take bank's main card 1 as carrier that 45 pairs for the treatment of apparatus come from processing terminal and is carried out the wallet card fund and call processing, is to realize the right of eminent domain to the wallet card fund by the operation to bank's main card.
Shown in Figure 2, described binding is processed, and it comprises the steps:
A1. processing terminal reads the magnetic track information of card, and with the magnetic track information data transmission to bank main; As shown in the frame 201 in Fig. 2;
A2. whether the binding treating apparatus of bank main is to being that bank's main card judges; Continue next step when being judged as YES; When being judged as NO, turn steps A 11; As shown in the frame 202 in Fig. 2;
A3. whether the binding treating apparatus of bank main is to add wallet card to judge to the solicited message from processing terminal; Continue next step when being judged as YES; When being judged as NO, turn steps A 11; As shown in the frame 203 in Fig. 2;
A4. the binding treating apparatus of bank main is accepted the second card number data of the wallet card inputted by the processing terminal take bank's main card as carrier by the user; As shown in the frame 204 in Fig. 2;
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; Continue next step when being judged as YES; When being judged as NO, turn steps A 11; As shown in the frame 205 in Fig. 2;
A6. the binding treating apparatus of bank main generates the second account corresponding to the second card number automatically, and the activation marker of annotating under record the second card number data item; As shown in the frame 206 in Fig. 2;
A7. the binding treating apparatus of bank main generates the main account of the first account and described the second account that has activated that comprise described bank main card automatically, perhaps add described the second account that has activated under existing main account, and the main account information that will generate or upgrade is stored in described memory storage; The balance of deposits of this main account equals the balance of deposits of the first account and the balance of deposits sum of each the second account; As shown in the frame 207 in Fig. 2;
A8. the binding treating apparatus of bank main is accepted by the input message of user by the processing terminal take bank's main card as carrier, to wallet card open function, limit is set, and will set outcome record in the second account item of the second card number and correspondence thereof; As shown in the frame 208 in Fig. 2;
A9. the binding treating apparatus of bank main is accepted by the input message of user by the processing terminal take bank's main card as carrier, the wallet card password is set, and will be set outcome record in the second account item of the second card number and correspondence thereof; As shown in the frame 209 in Fig. 2;
Whether A10. the binding treating apparatus of bank main is accepted by the input message of user by the processing terminal take bank's main card as carrier, to being to continue to add wallet card to judge; Continue next step when being judged as YES; When being judged as NO, turn steps A 4; As shown in the frame 210 in Fig. 2;
A11. finish; As shown in the frame 211 in Fig. 2.
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.
Shown in Figure 3, described cancelling bound processing, and it comprises the steps:
B1. processing terminal reads the magnetic track information of card, and with the magnetic track information data transmission to bank main; As shown in the frame 301 in Fig. 3;
B2. bank main cancels the binding treating apparatus to whether being that bank's main card judges; Continue next step when being judged as YES; When being judged as NO, turn step B8; As shown in the frame 302 in Fig. 3;
B3. bank main cancels the binding treating apparatus to being whether that wallet card is cancelled binding and judged from the solicited message of processing terminal; Continue next step when being judged as YES; When being judged as NO, turn step B8; As shown in the frame 303 in Fig. 3;
B4. the binding treating apparatus of cancelling of bank main accepts to be cancelled by the selected plan of the processing terminal take bank's main card as carrier by the user the second card number of the wallet card of binding; As shown in the frame 304 in Fig. 3;
B5. cancelling of bank main bound the binding relationship that bank's main card and wallet card are cancelled in the treating apparatus confirmation; As shown in the frame 305 in Fig. 3;
B6. the binding treating apparatus of cancelling of bank main will go in the first account of this bank's main card automatically corresponding to the balance of deposits of the second account of the second card number, and will reject from the main account of this bank's main card corresponding to the second account of the second card number; As shown in the frame 306 in Fig. 3;
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; As shown in the frame 307 in Fig. 3;
B8. finish; As shown in the frame 308 in Fig. 3.
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 with the magnetic track information data transmission to bank main; As shown in the frame 401 in Fig. 4;
C2. the wallet card fund of bank main is called treating apparatus to whether being that bank's main card judges; Continue next step when being judged as YES; When being judged as NO, turn step C8; As shown in the frame 402 in Fig. 4;
C3. whether the wallet card fund of bank main is called treating apparatus and to being main card from the solicited message of processing terminal, the operation of wallet card is judged; Continue next step when being judged as YES; When being judged as NO, turn step C8; As shown in the frame 403 in Fig. 4;
C4. the wallet card fund of bank main is called the second card number that treating apparatus is accepted the wallet card transferred by the selected plan of the processing terminal take bank's main card as carrier by the user; As shown in the frame 404 in Fig. 4;
C5. the wallet card fund of bank main is called treating apparatus to whether being that inquiry is detailed, remaining sum judges from the solicited message of processing terminal, as shown in the frame 405 in Fig. 4; Continue next step when being judged as NO; When being judged as YES, show corresponding to detail, the remaining sum of the second account of the second card number, then turn step C8, as shown in the frame 409 in Fig. 4;
C6. the wallet card fund of bank main is called treating apparatus to whether being that change password, authority judge from the solicited message of processing terminal, as shown in the frame 406 in Fig. 4; Continue next step when being judged as NO; When being judged as YES, the wallet card fund of bank main is called treating apparatus and is accepted by the input message of user by the processing terminal take bank's main card as carrier, password, authority to wallet card are changed, and will change result and again be recorded in the second card number and corresponding the second account item thereof, then turn step C8, as shown in the frame 410 in Fig. 4;
C7. the wallet card fund of bank main is called treating apparatus and is deposited in, produces and judge whether for whether, this wallet card being carried out fund from the solicited message of processing terminal, as shown in the frame 407 in Fig. 4; Continue next step when being judged as NO; When being judged as YES, the wallet card fund of bank main is called treating apparatus and is accepted by the input message of user by the processing terminal take bank's main card as carrier, 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 turn step C8, as shown in the frame 411 in Fig. 4;
C8. finish, as shown in the frame 408 in Fig. 4.
Shown in Figure 5, described wallet card is processed, and it comprises the steps:
D1. processing terminal reads the magnetic track information of card, and with the magnetic track information data transmission to bank main; As shown in the frame 501 in Fig. 5;
D2. whether the account fund of bank main clearance device is to being that wallet card judges; Continue next step when being judged as YES; When being judged as NO, turn step 7; As shown in the frame 502 in Fig. 5;
D3. whether the account fund of bank main clearance device is that inquiry is detailed, remaining sum judges to the solicited message from processing terminal, as shown in the frame 503 in Fig. 5; Continue next step when being judged as NO; When being judged as YES, show corresponding to detail, the remaining sum of the second account of the second card number, then turn step 8, as shown in the frame 508 in Fig. 5;
D4. whether the account fund of bank main clearance device is that the change password judges to the solicited message from processing terminal, as shown in the frame 504 in Fig. 5; Continue next step when being judged as NO; When being judged as YES, the account fund clearance device of bank main is accepted by the input message of user by the processing terminal take wallet card as carrier, password to wallet card is changed, and will change result and again be recorded in the second card number and corresponding the second account item thereof, then turn step 7, as shown in the frame 509 in Fig. 5;
D5. whether the account fund of bank main clearance device judges for depositing fund in the solicited message from processing terminal, as shown in the frame 505 in Fig. 5; Continue next step when being judged as NO; When being judged as YES, the account fund clearance device of bank main is accepted by the input message of user by the processing terminal take wallet card as carrier, the fund data of adding are recorded in the second account item of the second card number and correspondence thereof, then turn step 7, as shown in the frame 510 in Fig. 5;
D6. whether the account fund of bank main clearance device is to prop up to provide funds to judge to the solicited message from processing terminal, as shown in the frame 506 in Fig. 5; Continue next step when being judged as NO; When being judged as YES, the account fund clearance device of bank main is accepted by the input message of user by the processing terminal take wallet card as carrier, the cash data of expenditure is recorded in the second account item of the second card number and correspondence thereof, then turns step 7, as shown in the frame 511 in Fig. 5;
D7. finish, as shown in the frame 507 in Fig. 5.
Shown in Figure 6, described main account query processing, it comprises the steps:
E1. processing terminal reads the magnetic track information of card, and with the magnetic track information data transmission to bank main; As shown in the frame 601 in Fig. 6;
E2. whether the account fund of bank main clearance device is to being that bank's main card judges; Continue next step when being judged as YES; When being judged as NO, turn step 5; As shown in the frame 602 in Fig. 6;
E3. whether the account fund of bank main clearance device is that the inquiry main account judges to the solicited message from processing terminal, as shown in the frame 603 in Fig. 6; Continue next step when whether being judged as; When being judged as YES, show main account information, then turn step 5, as shown in the frame 606 in Fig. 6;
E4. whether the account fund of bank main clearance device is that inquiry the first account judges to the solicited message from processing terminal, as shown in the frame 604 in Fig. 6; Continue next step when whether being judged as; When being judged as YES, show the first accounts information, then turn step 5, as shown in the frame 607 in Fig. 6;
E5. finish, as shown in the frame 605 in Fig. 6.
A kind of purse card processing system based on bank card of the present invention, bank's main card 1 can be identical with bank card of the prior art, card/the pin card of opening of bank's main card 1 has and will hold I.D. by the user and handle to the site bank that opens an account, and first account corresponding with the first card number of bank main card is used for recording the use of funds situation of this bank's main card.Wallet card 2 from the appearance, can be identical with bank card of the prior art, only the magnetic track information of wallet card only records card number, wallet card 2 and bank of deposit, client are unconnected, issued by unified making of head office, the user is not activated from the wallet card that bank obtains, wallet card 2 rear second account corresponding with the second card number of wallet card that just produce that only be activated, and the second account is used for recording 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 first account and second account, the main account of former instance comprises first account and a plurality of the second account, and the balance of deposits of main account equals the balance of deposits of the first account and the balance of deposits sum of each the second account.Wallet card is opened voluntarily/is cancelled by the user, is all to operate take bank's main card as carrier when opening or cancelling.
A kind of purse card processing system based on bank card of the present invention, this system has following function and effect thereof:
As a bridge between bank's main card and 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 upper 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 records card number information to wallet card by the user, and under original state, wallet card is in unactivated 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 only has bank and user to know, if wallet card is lost, other people can't oppositely recognize from wallet card any information of user, 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 card, use wallet card to carry out any operation to bank's main card, ensure the fund security of user bank main card.
Can cancel at any time with the binding relationship of wallet card 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 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 the business password, even can embed the function that chip is given intellective IC card, use wallet card also can as the logical card of e by bus, can refuel and use by the consumption of induction POS machine in part businessman, for the client provides the small amount payment clearing.And the marketing by bank, increase the industry by the consumption of induction POS machine, the use of convenient wallet card.
Wallet card possesses under original state and deposits, withdraws money, transfers accounts and the payment and settlement function of the 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 derivative several wallet card according to demand, as: general shopping special use (can limit numerical ceiling according to consumption habit), family 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 balance detail inquiry, change business password, change rights of using, with business such as the fund of bank's main card turn mutually (after setting up binding relationship, because the relation of wallet card and bank's main card is bound, transfer accounts and need not to input account, the process of transferring accounts is very convenient), and cash etc. is transferred accounts, extracted to producing of wallet card.
Although wallet card is non-tangible, the situation of growing crime of bringing for stopping wallet card, 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; Due to wallet card information one-way, after using 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 according to some fashion elements the wallet card of fashion, jointly make with businessman and 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 ... coordinate the distribution popularization of wallet card to sell, make the user have wallet card and become a kind of symbol that shows individual character, fashion as selecting the wallet card of selecting a wallet of oneself liking one to be fit to oneself, allowing.
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 the good habit with card consumption, 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.We can suppose so several scenes: scene one, and the user can arrange 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 immediately by cancelling and the binding relationship of losing wallet card to modes such as self-aided terminal, clerk counters, this moment, the fund of this wallet card can all go back to bank's main card, then again apply for a new wallet card to local bank, can use immediately after rebuliding binding relationship and changing fund over to, greatly facilitate the user.Wallet card also can avoid the user because the worry account safety has been handled several bank cards, has facilitated user's capital management, has also saved the annual fee expenditure of bank card.
For bank: the stored value card that before wallet card is different from, each bank of family releases (stored value card of releasing in the past just possess the intellective IC card of small amount payment or for the virtual card of online payment); The vice card (in fact vice card and main card share an account, 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: bring conveniently to the user due to wallet card, 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 be due to the shopping side, attract the more consumer group, improve the benefit of businessman.
Above-described embodiment only is used for further illustrating 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 does.
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 processing terminal by networking mode;
Bank's main card is provided with the magnetic track that comprises the first card number, subscriber data and bank of deposit's data information;
Wallet card is provided with the magnetic track that only comprises the second card number information;
Bank main includes memory storage, stores at least in this memory storage corresponding to the first account of the first card number of bank's main card with corresponding to the second account of the second card number of the wallet card that has been activated;
Processing terminal by card reading interface so that bank's main card of inserting this card reading interface or the magnetic track information of wallet card are read and the magnetic track information that reads are transferred to bank main;
Bank main also includes account fund clearance device, the account, the fund clearing device processed the solicited message that comes from processing terminal, with the clearance outcome record take bank's main card as carrier in the first account corresponding to the first card number, or with the clearance outcome record take wallet card as carrier in the second account corresponding to the second card number;
Bank main further also includes the binding treating apparatus, cancel binding treating apparatus and wallet card fund calls treating apparatus;
Described binding treating apparatus carries out the wallet card binding to the solicited message take bank's main card as carrier that comes from processing terminal to be processed, generation or renewal comprise the main account of the first account and one or more the second accounts that activated, and the information of this main account is stored in described memory storage; The balance of deposits of this main account equals the balance of deposits of the first account and the balance of deposits sum of each the second account;
The described binding treating apparatus of cancelling carries out wallet card to the solicited message take bank's main card as carrier that comes from processing terminal and cancels binding and process, the second account of cancelling binding is rejected from main account, and the balance of deposits of the second disallowable account is changed in the first account automatically;
Described wallet card fund is called treating apparatus and the solicited message take bank's main card as carrier that comes from processing terminal is carried out the wallet card fund is called processing, the fund in one or more the second accounts is deposited in the 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 processed, and it comprises the steps:
A1. processing terminal reads the magnetic track information of card, and with the magnetic track information data transmission to bank main;
A2. whether the binding treating apparatus of bank main is to being that bank's main card judges; Continue next step when being judged as YES; When being judged as NO, turn 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; Continue next step when being judged as YES; When being judged as NO, turn steps A 11;
A4. the binding treating apparatus of bank main is accepted the second card number data of the wallet card inputted by the processing terminal take bank's main card as carrier by the user;
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; Continue next step when being judged as YES; When being judged as NO, turn steps A 11;
A6. the binding treating apparatus of bank main generates the second account corresponding to the second card number automatically, and the activation marker of annotating under record the second card number data item;
A7. the binding treating apparatus of bank main generates the main account of the first account and described the second account that has activated that comprise described bank main card automatically, perhaps add described the second account that has activated under existing main account, and the main account information that will generate or upgrade is stored in described memory storage; The balance of deposits of this main account equals the balance of deposits of the first account and the balance of deposits sum of each the second account;
A8. the binding treating apparatus of bank main is accepted by the input message of user by the processing terminal take bank's main card as carrier, to wallet card open function, limit is set, and will set outcome record in the second account item of the second card number and correspondence thereof;
A9. the binding treating apparatus of bank main is accepted by the input message of user by the processing terminal take bank's main card as carrier, the wallet card password is set, and will be set outcome record in the second account item of the second card number and correspondence thereof;
Whether A10. the binding treating apparatus of bank main is accepted by the input message of user by the processing terminal take bank's main card as carrier, to being to continue to add wallet card to judge; Continue next step when being judged as YES; When being judged as NO, turn 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: describedly cancel binding and process, it comprises the steps:
B1. processing terminal reads the magnetic track information of card, and with the magnetic track information data transmission to bank main;
B2. bank main cancels the binding treating apparatus to whether being that bank's main card judges; Continue next step when being judged as YES; When being judged as NO, turn step B8;
B3. bank main cancels the binding treating apparatus to being whether that wallet card is cancelled binding and judged from the solicited message of processing terminal; Continue next step when being judged as YES; When being judged as NO, turn step B8;
B4. the binding treating apparatus of cancelling of bank main accepts to be cancelled by the selected plan of the processing terminal take bank's main card as carrier by the user the second card number of 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 confirmation;
B6. the binding treating apparatus of cancelling of bank main will go in the first account of this bank's main card automatically corresponding to the balance of deposits of the second account of the second card number, and will reject from the main account of this bank's main card corresponding to the second account of the 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 with the magnetic track information data transmission to bank main;
C2. the wallet card fund of bank main is called treating apparatus to whether being that bank's main card judges; Continue next step when being judged as YES; When being judged as NO, turn step C8;
C3. whether the wallet card fund of bank main is called treating apparatus and to being main card from the solicited message of processing terminal, the operation of wallet card is judged; Continue next step when being judged as YES; When being judged as NO, turn step C8;
C4. the wallet card fund of bank main is called the second card number that treating apparatus is accepted the wallet card transferred by the selected plan of the processing terminal take bank's main card as carrier by the user;
C5. the wallet card fund of bank main is called treating apparatus to whether being that inquiry is detailed, remaining sum judges from the solicited message of processing terminal; Continue next step when being judged as NO; When being judged as YES, show corresponding to detail, the remaining sum of the second account of the second card number, then turn step C8;
C6. the wallet card fund of bank main is called treating apparatus to whether being that change password, authority judge from the solicited message of processing terminal; Continue next step when being judged as NO; When being judged as YES, the wallet card fund of bank main is called treating apparatus and is accepted by the input message of user by the processing terminal take bank's main card as carrier, password, authority to wallet card are changed, and will change result and again be recorded in the second card number and corresponding the second account item thereof, then turn step C8;
C7. the wallet card fund of bank main is called treating apparatus and is deposited in, produces and judge whether for whether, this wallet card being carried out fund from the solicited message of processing terminal; Continue next step when being judged as NO; When being judged as YES, the wallet card fund of bank main is called treating apparatus and is accepted by the input message of user by the processing terminal take bank's main card as carrier, 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 turn 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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| Application Number | Priority Date | Filing Date | Title |
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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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| CN101567104A CN101567104A (en) | 2009-10-28 |
| CN101567104B true CN101567104B (en) | 2013-06-26 |
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| CN 200910111621 Expired - Fee Related CN101567104B (en) | 2009-04-24 | 2009-04-24 | Purse card processing system based on bank card |
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Families Citing this family (7)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103679936A (en) * | 2013-05-01 | 2014-03-26 | 汪风珍 | Bank card capable of controlling other bank cards |
| CN106529938B (en) * | 2015-09-09 | 2021-05-25 | 腾讯科技（深圳）有限公司 | Virtual card issuing method, device and terminal |
| CN106557972B (en) * | 2015-09-30 | 2021-11-05 | 腾讯科技（深圳）有限公司 | Information processing method and system for realizing virtual user card |
| CN105678529A (en) * | 2015-12-28 | 2016-06-15 | 赵霖 | Network platform fund anti-stealing method and system |
| CN106096958A (en) * | 2016-05-27 | 2016-11-09 | 广州羊城通有限公司 | A kind of IC-card unbinds method with bank 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 |
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