CN102289896A - Method and system for automatically changing credit card - Google Patents

Method and system for automatically changing credit card Download PDF

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Publication number
CN102289896A
CN102289896A CN 201110218849 CN201110218849A CN102289896A CN 102289896 A CN102289896 A CN 102289896A CN 201110218849 CN201110218849 CN 201110218849 CN 201110218849 A CN201110218849 A CN 201110218849A CN 102289896 A CN102289896 A CN 102289896A
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China
Prior art keywords
card
credit card
module
magnetic strip
credit
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Pending
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CN 201110218849
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Chinese (zh)
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彭琛
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Individual
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Individual
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Priority to CN 201110218849 priority Critical patent/CN102289896A/en
Publication of CN102289896A publication Critical patent/CN102289896A/en
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Abstract

The invention relates to a method and a system for automatically changing a credit card. The method comprises the following steps that: automatic card changing equipment reads and sends magnetic strip information of the credit card and receives a code of the credit card; a backstage card sending system checks the magnetic strip information and the code of the credit card, generates a card making file and sends the card making file to the automatic card changing equipment if the magnetic strip information completely fits the code, and sends information for refusing to change the card to the automatic card changing equipment if the magnetic strip information does not fit the code; the automatic card changing equipment automatically prints credit card surface embossments on a blank card according to the card making file and writes magnetism on a magnetic strip of the blank card; and the automatic card changing equipment automatically outputs a new card after making the new card. The system comprises the automatic card changing equipment and the backstage card sending system, wherein the automatic card changing equipment is provided with a reading module, a first receiving module, a first sending module, a card making module and a card outputting module; and the backstage card sending system is provided with a second sending module, a checking module, a card making file generating module and a second sending module. By the method and the system, cards are changed according to the needs of users so as to avoid wasting card making cost.

Description

A kind of credit card is from moving chucking method and system
Technical field
The present invention relates to bank credit card replacement technical field, particularly a kind of credit card is from moving chucking method and system.
Background technology
According to statistics, end to the end of the year 2010, China Credit Card has reached about 2.5 hundred million, has time limit to calculate in 5 years according to every card, has every year 5000 ten thousand old calorie requirements to change approximately.At present credit card expires and changes card flow process and be: bank generated to expire all this month and need change the card manufacturing file of card of that month beginning of the month, the fabrication of notice fabrication factory, and mailing is to the client.But owing to customer address change or client do not re-use reasons such as this credit card, preresearch estimates has 50% card undelivered approximately or does not use, actual every old card change card cost about 20 yuan, more than do not comprise human cost.In addition, because bank's fabrication and time of posting are longer, cause the client to fail in time to receive credit card and can not be in time with card.
Summary of the invention
Technical matters to be solved by this invention provides a kind of credit card from moving chucking method and system, can workout cost waste problem.
The technical solution adopted for the present invention to solve the technical problems is: provide a kind of credit card from moving chucking method, may further comprise the steps:
(1) moves the magnetic strip information that card apparatus reads the credit card of needs replacing certainly, and receive the password of this credit card;
(2) move card apparatus certainly and send the magnetic strip information read and the credit card password of reception to background server;
(3) the backstage card sending system of bank receives magnetic strip information and credit card password;
(4) the backstage card sending system of bank is checked magnetic strip information and credit card password, if meet and change card article spare, then generates card manufacturing file, and this card manufacturing file is sent to from moving card apparatus, otherwise to moving the information and the old card that spues that card apparatus sends the fabrication failure certainly;
(5) move card apparatus certainly and on blank card, print credit card card face type automatically, and on the magnetic stripe of blank card, write magnetic according to card manufacturing file;
(6) move card apparatus certainly and made new card after, new card is spued automatically.
Described magnetic strip information comprises the type of card number, the term of validity and the credit card of credit card.
In the described step (4) check magnetic strip information and the credit card password also comprises following substep:
(a) judge whether the card number of credit card is correct, if correctly then enter next step, otherwise, move card apparatus certainly and send the information that refusal changes card;
(b) whether the term of validity of judging credit card expires, and then enters next step if expire, otherwise, send the information that refusal changes card to moving card apparatus certainly;
(c) judge whether the credit card password is correct, if correctly then enter next step, otherwise, send the information that refusal changes card to moving card apparatus certainly;
(d) read the type of credit card, and according to the type examination card manufacturing file of credit card.
Also comprise the step of encrypting between described step (1) and (2) to sent magnetic strip information and credit card password; Also comprise the step that the magnetic strip information that receives and credit card password are decrypted between described step (3) and the step (4).
The technical solution adopted for the present invention to solve the technical problems is: also provide a kind of credit card from moving the card system, comprise from moving card apparatus and message pick-up and transmitting system, described from moving the read module that card apparatus comprises the magnetic strip information of the credit card that is used to read needs replacing, be used to receive first receiver module of credit card password, be used to send the magnetic strip information that reads and first sending module of credit card password, be used for writing the fabrication module of magnetic printing on the blank card on credit card card face type and the magnetic stripe automatically, and be used for going out card module what new card spued automatically at blank card according to card manufacturing file; Described message pick-up and transmitting system are used for magnetic strip information and the credit card password to bank's card sending system transmission and reception, bank's backstage card sending system has the module of checking of checking magnetic strip information and credit card password, be used to generate the card manufacturing file generation module of card manufacturing file, and the information of this card manufacturing file or fabrication failure is sent to from second sending module of moving card apparatus.
Described magnetic strip information comprises the type of card number, the term of validity and the credit card of credit card.
Whether correct the described module of checking comprise card number first judge module that is used to judge credit card, whether the term of validity that is used to judge credit card overdue second judge module, be used to judge the 3rd judge module that the credit card password is whether correct, be used to read the type read module of the type of credit card.
Describedly also comprise and be used for the encrypting module encrypted to sent magnetic strip information and credit card password from moving card apparatus; Described backstage card sending system also comprises and is used for deciphering module that the magnetic strip information that receives and credit card password are decrypted.
Beneficial effect
Owing to adopted above-mentioned technical scheme, the present invention compared with prior art, have following advantage and good effect: the present invention just changes the user automatically to credit card when needs are changed credit card, and before replacing, information such as the card number of old card, the term of validity, password are checked, guaranteed the security of card, because the present invention changes card according to user's demand, therefore can not cause the fabrication cost waste.The present invention simultaneously can carry out instantaneously changing to credit card, has guaranteed that the user can be in time with card.
Description of drawings
Fig. 1 is a process flow diagram of the present invention;
Fig. 2 is a system block diagram of the present invention.
Embodiment
Below in conjunction with specific embodiment, further set forth the present invention.Should be understood that these embodiment only to be used to the present invention is described and be not used in and limit the scope of the invention.Should be understood that in addition those skilled in the art can make various changes or modifications the present invention after the content of having read the present invention's instruction, these equivalent form of values fall within the application's appended claims institute restricted portion equally.
Embodiments of the present invention relate to a kind of credit card from moving chucking method, as shown in Figure 1, may further comprise the steps:
(1) move the magnetic strip information that card apparatus reads the credit card of needs replacing certainly, and receive the password of this credit card, wherein, magnetic strip information comprises the type of card number, the term of validity and the credit card of credit card.
(2) move card apparatus certainly and send the magnetic strip information read and the credit card password of reception to background server.
(3) the backstage card sending system of bank receives magnetic strip information and credit card password.
(4) the backstage card sending system of bank is checked magnetic strip information and credit card password, if meet and change card article spare, then generates card manufacturing file, and this card manufacturing file is sent to from moving card apparatus, otherwise to moving the information and the old card that spues that card apparatus sends the fabrication failure certainly.Specifically comprise following substep:
(a) judge whether the card number of credit card is correct, if correctly then enter next step, otherwise, move card apparatus certainly and send the information that refusal changes card;
(b) whether the term of validity of judging credit card expires, if expire (expiration time can require to set according to bank) then enters next step, otherwise, send the information that refusal changes card to moving card apparatus certainly;
(c) judge whether the credit card password is correct, if correctly then enter next step, otherwise, send the information that refusal changes card to moving card apparatus certainly;
(d) read the type of credit card, and according to the type examination card manufacturing file of credit card.
(5) move card apparatus certainly and on blank card, print credit card card face type automatically, and on the magnetic stripe of blank card, write magnetic according to card manufacturing file.
(6) move card apparatus certainly and made new card after, new card is spued automatically.
Need be in the above-described embodiment, can also comprise the step of encrypting to sent magnetic strip information and credit card password between step (1) and (2) with explanation; Between step (3) and step (4), can also comprise the step that the magnetic strip information that receives and credit card password are decrypted.By the magnetic strip information and the credit card password that send are encrypted, can guarantee the security of information.
Be not difficult to find, the user when changing credit card, needs is just changed credit card automatically, and before replacing, information such as the card number of old card, the term of validity, password are checked, guaranteed the security of card, because the present invention changes card according to user's demand, therefore can not cause the fabrication cost waste.The present invention simultaneously can carry out instantaneously changing to credit card, has guaranteed that the user can be in time with card.
Another embodiment of the invention relates to a kind of credit card from moving the card system, as shown in Figure 2, comprise from moving card apparatus and message pick-up and transmitting system, described from moving the read module that card apparatus comprises the magnetic strip information of the credit card that is used to read needs replacing, be used to receive first receiver module of credit card password, be used to send the magnetic strip information that reads and first sending module of credit card password, be used for writing the fabrication module of magnetic printing on the blank card on credit card card face type and the magnetic stripe automatically, and be used for going out card module what new card spued automatically at blank card according to card manufacturing file; Described message pick-up and transmitting system are used for magnetic strip information and the credit card password to bank's card sending system transmission and reception, bank's backstage card sending system has the module of checking of checking magnetic strip information and credit card password, be used to generate the card manufacturing file generation module of card manufacturing file, and the information of this card manufacturing file or fabrication failure is sent to from second sending module of moving card apparatus.
Wherein, described magnetic strip information comprises the type of card number, the term of validity and the credit card of credit card.Whether correct the described module of checking comprise card number first judge module that is used to judge credit card, whether the term of validity that is used to judge credit card overdue second judge module, be used to judge the 3rd judge module that the credit card password is whether correct, be used to read the type read module of the type of credit card.
What deserves to be mentioned is, in the above-described embodiment, describedly also comprise and be used for the encrypting module encrypted to sent magnetic strip information and credit card password from moving card apparatus; Described backstage card sending system also comprises and is used for deciphering module that the magnetic strip information that receives and credit card password are decrypted.By the magnetic strip information and the credit card password that send are encrypted, can guarantee the security of information.

Claims (8)

1. a credit card is characterized in that from moving chucking method, may further comprise the steps:
(1) moves the magnetic strip information that card apparatus reads the credit card of needs replacing certainly, and receive the password of this credit card;
(2) move card apparatus certainly and send the magnetic strip information read and the credit card password of reception to background server;
(3) the backstage card sending system of bank receives magnetic strip information and credit card password;
(4) the backstage card sending system of bank is checked magnetic strip information and credit card password, if meet and change card article spare, then generates card manufacturing file, and this card manufacturing file is sent to from moving card apparatus, otherwise to moving the information and the old card that spues that card apparatus sends the fabrication failure certainly;
(5) move card apparatus certainly and on blank card, print credit card card face type automatically, and on the magnetic stripe of blank card, write magnetic according to card manufacturing file;
(6) move card apparatus certainly and made new card after, new card is spued automatically.
2. credit card according to claim 1 is characterized in that from moving chucking method described magnetic strip information comprises the type of card number, the term of validity and the credit card of credit card.
3. credit card according to claim 2 is characterized in that from moving chucking method, in the described step (4) check magnetic strip information and the credit card password also comprises following substep:
(a) judge whether the card number of credit card is correct, if correctly then enter next step, otherwise, move card apparatus certainly and send the information that refusal changes card;
(b) whether the term of validity of judging credit card expires, and then enters next step if expire, otherwise, send the information that refusal changes card to moving card apparatus certainly;
(c) judge whether the credit card password is correct, if correctly then enter next step, otherwise, send the information that refusal changes card to moving card apparatus certainly;
(d) read the type of credit card, and according to the type examination card manufacturing file of credit card.
4. credit card according to claim 1 is characterized in that from moving chucking method, also comprises the step of encrypting to sent magnetic strip information and credit card password between described step (1) and (2); Also comprise the step that the magnetic strip information that receives and credit card password are decrypted between described step (3) and the step (4).
5. a credit card is from moving the card system, it is characterized in that, comprise from moving card apparatus and message pick-up and transmitting system, described from moving the read module that card apparatus comprises the magnetic strip information of the credit card that is used to read needs replacing, be used to receive first receiver module of credit card password, be used to send the magnetic strip information that reads and first sending module of credit card password, be used for writing the fabrication module of magnetic printing on the blank card on credit card card face type and the magnetic stripe automatically, and be used for going out card module what new card spued automatically at blank card according to card manufacturing file; Described message pick-up and transmitting system are used for magnetic strip information and the credit card password to bank's card sending system transmission and reception, bank's backstage card sending system has the module of checking of checking magnetic strip information and credit card password, be used to generate the card manufacturing file generation module of card manufacturing file, and the information of this card manufacturing file or fabrication failure is sent to from second sending module of moving card apparatus.
6. credit card according to claim 5 is characterized in that from moving the card system described magnetic strip information comprises the type of card number, the term of validity and the credit card of credit card.
7. credit card according to claim 6 is from moving the card system, it is characterized in that, whether correct the described module of checking comprise card number first judge module that is used to judge credit card, whether the term of validity that is used to judge credit card overdue second judge module, be used to judge the 3rd judge module that the credit card password is whether correct, be used to read the type read module of the type of credit card.
8. credit card according to claim 5 is characterized in that from moving the card system, describedly also comprises and is used for the encrypting module encrypted to sent magnetic strip information and credit card password from moving card apparatus.
CN 201110218849 2011-08-02 2011-08-02 Method and system for automatically changing credit card Pending CN102289896A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN 201110218849 CN102289896A (en) 2011-08-02 2011-08-02 Method and system for automatically changing credit card

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Application Number Priority Date Filing Date Title
CN 201110218849 CN102289896A (en) 2011-08-02 2011-08-02 Method and system for automatically changing credit card

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017166107A1 (en) * 2016-03-30 2017-10-05 李昕光 Card manufacturing method
WO2018019040A1 (en) * 2016-07-29 2018-02-01 广州广电运通金融电子股份有限公司 Card issuing and replacement apparatus for self-service banking system, method for same, and self-service banking terminal
CN109376811A (en) * 2018-08-29 2019-02-22 中国建设银行股份有限公司 A kind of intelligence changes chucking method, device, terminal and computer-readable medium

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001090962A1 (en) * 2000-04-20 2001-11-29 Grosvenor Leisure Incorporated Secure biometric identification
JP2005115597A (en) * 2003-10-07 2005-04-28 Hitachi Information Technology Co Ltd Card management system and card information management method
CN101009012A (en) * 2007-01-31 2007-08-01 华为技术有限公司 Method, device and system for issuing card
CN201629005U (en) * 2010-04-08 2010-11-10 中国工商银行股份有限公司 Bank card making system and bank card changing system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001090962A1 (en) * 2000-04-20 2001-11-29 Grosvenor Leisure Incorporated Secure biometric identification
JP2005115597A (en) * 2003-10-07 2005-04-28 Hitachi Information Technology Co Ltd Card management system and card information management method
CN101009012A (en) * 2007-01-31 2007-08-01 华为技术有限公司 Method, device and system for issuing card
CN201629005U (en) * 2010-04-08 2010-11-10 中国工商银行股份有限公司 Bank card making system and bank card changing system

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017166107A1 (en) * 2016-03-30 2017-10-05 李昕光 Card manufacturing method
WO2018019040A1 (en) * 2016-07-29 2018-02-01 广州广电运通金融电子股份有限公司 Card issuing and replacement apparatus for self-service banking system, method for same, and self-service banking terminal
CN109376811A (en) * 2018-08-29 2019-02-22 中国建设银行股份有限公司 A kind of intelligence changes chucking method, device, terminal and computer-readable medium

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Application publication date: 20111221