CN102521759A - Electronic card borrowing method based on intelligent terminals - Google Patents
Electronic card borrowing method based on intelligent terminals Download PDFInfo
- Publication number
- CN102521759A CN102521759A CN2011103772005A CN201110377200A CN102521759A CN 102521759 A CN102521759 A CN 102521759A CN 2011103772005 A CN2011103772005 A CN 2011103772005A CN 201110377200 A CN201110377200 A CN 201110377200A CN 102521759 A CN102521759 A CN 102521759A
- Authority
- CN
- China
- Prior art keywords
- card
- electronic cards
- intelligent terminal
- application server
- borrowing
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses an electronic card borrowing method based on intelligent terminals, which is characterized by including the following steps: 1, a lender and a borrower configure networking intelligent terminals, and a merchant terminal configures a networking electronic card application server; 2, the borrower sends card borrowing application to the electronic card application server through the intelligent terminal; 3, a merchant verifies the card borrowing application received by the electronic card application server, if the application meets card borrowing requirements, the card borrowing application is sent to the lender, otherwise the card borrowing application is returned to the borrower; and 4, the lender confirms the card borrowing application received by the intelligent terminal and sends card borrowing opinions to the electronic card application server, and the electronic card application server performs corresponding operation according to the received card borrowing opinions. The electronic card borrowing method based on intelligent terminals increases borrowing and sharing functions of electronic cards and improves usability and safety of the electronic cards on the basis of retaining an operation mechanism of traditional actual cards.
Description
Technical field
The present invention relates to a kind of borrowing method of card, specifically, relate to electronic cards borrowing method based on intelligent terminal.
Background technology
At present; Commercial field is member/integration mechanism of traditional entity card type of employing mostly; Its principal feature is a people one card, during consumption generally with entity card as integration, discounting voucher, whether and to be indifferent to the holder be everyone of card; Promptly in the consumption link, card allows to lend use mostly.Concrete mode roughly is: businessman sets up the member card server in the rear end, and the information of member card of management registration provides entity cards such as magnetic card, IC-card for the member of registration, and in the consumption place card reader is provided.During customer's consumption, show card and swipe the card, businessman passes to back-end server through Front End with card image, after the checking, gives a discount, integration (for the member card with Stored Value function, also can withhold, settle accounts).This mode has been limited in one with the use of card and has been combined in the limited area of scope with consumption, and given the shared inconvenience of bringing of card, also brought the problem on some management and the safety simultaneously, mainly is summarized as follows:
One, uses between the client and give back and to join card in kind face to face, influenced by distance factor, make troubles consuming time, consumption power for the use of card;
Two, the card owner can not understand the operating position of the card of lending immediately;
Three, the card use-pattern is single, and many people are shared simultaneously; Even under the situation that the many people of rule permission of businessman can use simultaneously, also can only use on a people one ground;
Four, the date of repayment indefinite, rely on entirely and borrow both sides' subjective consciousness, when card owner desire often occurring and using, debtor is not also given back the situation of card;
Five, forget easily, the card owner forgets whom card lent;
Six, the card owner can't know the using of card, transitive relation exactly;
Seven, card is too much, carries inconvenience, and discarded entity card is unfavorable for environmental protection.
Summary of the invention
The object of the present invention is to provide electronic cards borrowing method, solve the various defectives that traditional entity card exists, make the use of consumption card convenient based on intelligent terminal.
To achieve these goals, the technical scheme of the present invention's employing comprises following two kinds:
Scheme one
Electronic cards borrowing method based on intelligent terminal may further comprise the steps:
(1) intelligent terminal of the side of lending and debtor configuration of networked, and the electronic cards application server of trade company's end configuration of networked;
(2) debtor sends to the electronic cards application server through intelligent terminal and borrows the card application;
(3) trade company verifies by means of card application what the electronic cards application server was received, meet by means of card request and then send and should apply for by means of card to the side of lending, otherwise, then should borrow card application return debtor;
(4) side of lending confirms by means of card application what its intelligent terminal was received, and sends by means of blocking suggestion to the electronic cards application server; The electronic cards application server carries out corresponding operating according to the card suggestion of borrowing that receives.
Further, in the said step (2) debtor sending borrow the card application in, also to select the identity information of the own authentication information of trade company, input and the side of lending and select by means of the card mode and use the time limit.
Scheme two
Electronic cards borrowing method based on intelligent terminal may further comprise the steps:
(1) intelligent terminal of the side of lending and debtor configuration of networked, and the electronic cards application server of trade company's end configuration of networked;
(2) lending square tube crosses the intelligent terminal held and sends to the electronic cards application server and borrow card to invite;
(3) after the electronic cards application server is received and borrowed card to invite, should borrow card to invite to the intelligent terminal transmission that debtor is held;
(4) debtor is confirmed by means of blocking to invite what its intelligent terminal was received, and sends by means of blocking suggestion to the electronic cards application server; The electronic cards application server carries out corresponding operating according to the card suggestion of borrowing that receives.
In the said step (2) side of lending sending borrow card to invite in, also to select the identity information of own authentication information of trade company, input and debtor and select by means of the card mode and use the time limit.
Above-mentioned two kinds of schemes all can further limit through following means:
The intelligent terminal that the user holds is through http, https agreement or socket and electronic cards application server swap data; And sending the electronic cards information that this terminal is held to another intelligent terminal, intelligent terminal can obtain the electronic cards information that the electronic cards application server sends through instruction.
Use for ease, trade company also disposes the electronic cards operating terminal.
Aspect the electronic cards recovery, comprise following two kinds of situation: (1) after using expiration of time limit, electronic cards application server automatic drawing back electronic cards, and send it back the breath of collecting mail respectively to the side of lending and debtor.(2) according to actual conditions, lend and can stop lending of electronic cards at any time, promptly to cross the intelligent terminal held and send electronic cards when lending termination message to the electronic cards application server when lending square tube, the electronic cards application server reclaims corresponding electronic cards immediately.
So-called electronic cards kind is a lot, as: directly include the note of the side's of lending entity card information, electronic card of design or the like according to the side's of lending entity card and again, the present invention does not limit this.
Compared with prior art, the present invention has following beneficial effect:
(1) the present invention is through intelligent terminal and electronic cards application server; On the basis of the operating mechanism that keeps traditional entity card; Convert entity card into virtual electronic cards, thereby realized using flexibly and sharing the ease for use and the security that have improved consumption card of consumption card;
(2) debtor needs not to be the member of trade company, through the present invention, utilizes the mode of borrowing card, becomes the interim member of trade company, and accomplishes consumption with member's identity, enjoys the preferential of discounting, integration, thereby has improved consumer's enthusiasm greatly;
(3) debtor with lend Fang Jun and accomplish to borrow card and reclaimer operation through intelligent terminal, need not to join face to face, realized using immediately at a distance and consume, giving back of consumption card, make that the use of card is more convenient;
(4) the present invention adopts the security authentication mechanism of the side of lending and the double acknowledge of electronic cards application server, makes that the use of electronic cards is safer;
(5) electronic cards of the present invention's employing is used mode, and having changed entity card can only man-to-manly use mode, has realized a card over-borrowing purpose of synchronization, makes that the use of electronic cards is more flexible;
(6) among the present invention; Lend can the immediate inquiring consumption card operating position, debtor can be checked interim consumption and the integration record of oneself, haves no right to check other consumption records of consumption card; But the consumption privacy of oneself can be set; In this case, the side of lending can only view the consumption total charge, and can't see that consumption is detailed;
(7) the present invention is virtual with traditional real card, is used again, and the various wastings of resources of having avoided entity card to bring are beneficial to environmental protection more.
Description of drawings
Fig. 1 is the schematic flow sheet of the present invention-embodiment 1.
Fig. 2 is the schematic flow sheet of the present invention-embodiment 2.
Embodiment
Below in conjunction with accompanying drawing and embodiment the present invention is described further, embodiment of the present invention includes but not limited to the following example.
Embodiment 1
As shown in Figure 1, function such as based on the electronic cards borrowing method of intelligent terminal, its ultimate principle is the registration that realizes electronic cards of the exchanges data between the electronic cards application server disposed of the intelligent terminal held through the user and trade company, consume and use.
The intelligent terminal that the user held is the equipment of access networks such as smart mobile phone or computer, and the intelligent terminal of being held is equipped with the electronic customer card end, the electronic cards application server access internet that trade company disposes.The electronic cards application server functionality comprises " accepting member registration ", " checking user login ", " inquirying card internal information ", " pushing merchant advertisement information ", " handling electronic cards current consumption, integration operation ", " handle electronic cards and lend, give back operation ", " the recorded electronic card is lent daily record " etc.; The electronic cards application server simultaneously can with the original member card server communication of trade company, obtain also to handle the member card/accumulating card information of trade company.Electronic customer card end on the intelligent terminal that the user holds is through the electronic cards application service swap data of http, https agreement or socket and electronic cards application server deploy; And sending the electronic cards information that this terminal is held to the opposing party's intelligent terminal, intelligent terminal then obtains the electronic cards information that the electronic cards application server sends.
The electronic cards operating terminal that trade company disposes through browser or client-side program, is communicated by letter with the electronic cards application services, handles the day to day operation of electronic cards.The user when opening electronics member card/accumulating card, registration in advance, the user carries out remote login through the electronic cards customer side on the intelligent terminal of holding, identity identification information such as input ID card No. during registration is as judgment basis.If the cellphone subscriber, electronic cards application service end will be preserved the mobile phone card number simultaneously, to make things convenient for subsequent contact; Simultaneously; The user also can directly register at trade company's sales counter, and the authorization information that the electronic cards application server that this moment, trade company disposed can send a log-on message to the user is after user's affirmation and the answer; Can accomplish registration, will register information such as identity this moment at the scene.
The user is when consuming; Can be through the card number that shows on the intelligent terminal to be informed trade company, trade company handles the consumption result on the electronic cards operating terminal, the electronic cards application server communication of perhaps directly disposing through wireless network and trade company; Consume affirmation: according to the electronics card number; Trade company sends a consumption recording information to the intelligent terminal that the consumer holds, and after the user receives information, on intelligent terminal, confirms to get final product.
The user can also can pass through the intelligent terminal held, preengages consumption.For the general article of consumption that is not pushed to intelligent terminal; Merchant telephone that shows in the electronic customer card end program on user's intelligent terminal capable of using or online customer service and businessman get in touch; Indicate the article of consumption that needs reservation; Businessman's customer service is sent on the intelligent terminal that a subscription information holds to the user through the electronic cards application server, promptly accomplishes reservation after the user confirms; The article of consumption that businessman is recommended can be pushed on the intelligent terminal that the user holds through the electronic cards serve end program automatically, and for the project of supporting autonomous reservation, the user can directly preengage, and need not the contact staff and gets involved.
The present invention is directed to some defectives of traditional entity card; Utilize intelligent terminal and server end technology, keeping on the operating mechanism basis of traditional entity card, reached using and sharing of electronic cards; Improved the ease for use and the security row of electronic cards, it is following that it uses process basically:
One, debtor sends to the electronic cards application server through intelligent terminal and borrows the card application;
Two, trade company verifies by means of card application what the electronic cards application server was received, meet by means of card request and then send and should apply for by means of card to the side of lending, otherwise, then should borrow card application return debtor;
Three, the side of lending confirms by means of card application what its intelligent terminal was received, and sends by means of blocking suggestion to the electronic cards application server; The electronic cards application server carries out corresponding operating according to the card suggestion of borrowing that receives.
After using expiration of time limit, the electronic cards application server automatic drawing back electronic cards that the trade company that electronic cards belonged to that used disposes, and send the information of giving back respectively to the side of lending and debtor.And, lend the intelligent terminal program that can pass through at any time to be held and stop lending of electronic cards.
Embodiment 2
As shown in Figure 2, the present invention is directed to some defectives of traditional entity card, utilize intelligent terminal and server end technology; On the operating mechanism basis that keeps traditional entity card; Reach using and sharing of electronic cards, improved the ease for use and the security row of electronic cards, it is following that it uses process basically:
One, the intelligent terminal of the side of lending and debtor configuration of networked, and the electronic cards application server of trade company's end configuration of networked;
Two, lending square tube crosses the intelligent terminal held and sends to the electronic cards application server and borrow card to invite;
Three, after the electronic cards application server is received and borrowed card to invite, should borrow card to invite to the intelligent terminal transmission that debtor is held;
Four, debtor is confirmed by means of blocking to invite what its intelligent terminal was received, and sends by means of blocking suggestion to the electronic cards application server; The electronic cards application server carries out corresponding operating according to the card suggestion of borrowing that receives.
Can find out that from the above-mentioned process of using basically the difference of present embodiment and embodiment 1 is that embodiment 1 initiatively borrows card to the side of lending for debtor, present embodiment is then initiatively borrowed card to debtor for the side of lending.
According to above-mentioned; Can realize the present invention well, it should be noted that to be different from traditional entity card that electronic cards also provides many people sharing functionality; Promptly after electronic cards is lent; The owner can also continue to use this card consumption, integration, also can customize the usage policy that many people share jointly with businessman, between many people, shares the use of member card simultaneously.
Claims (7)
1. based on the electronic cards borrowing method of intelligent terminal, it is characterized in that, may further comprise the steps:
(1) intelligent terminal of the side of lending and debtor configuration of networked, and the electronic cards application server of trade company's end configuration of networked;
(2) debtor sends to the electronic cards application server through intelligent terminal and borrows the card application;
(3) trade company verifies by means of card application what the electronic cards application server was received, meet by means of card request and then send and should apply for by means of card to the side of lending, otherwise, then should borrow card application return debtor;
(4) side of lending confirms by means of card application what its intelligent terminal was received, and sends by means of blocking suggestion to the electronic cards application server; The electronic cards application server carries out corresponding operating according to the card suggestion of borrowing that receives.
2. the electronic cards borrowing method based on intelligent terminal according to claim 1; It is characterized in that: debtor is sending by means of when blocking application in the said step (2), also will select the identity information of trade company and input oneself and the identity information and the selection of the side of lending to borrow the card mode and use the time limit.
3. based on the electronic cards borrowing method of intelligent terminal, it is characterized in that, may further comprise the steps:
(1) intelligent terminal of the side of lending and debtor configuration of networked, and the electronic cards application server of trade company's end configuration of networked;
(2) lending square tube crosses the intelligent terminal held and sends to the electronic cards application server and borrow card to invite;
(3) after the electronic cards application server is received and borrowed card to invite, should borrow card to invite to the intelligent terminal transmission that debtor is held;
(4) debtor is confirmed by means of blocking to invite what its intelligent terminal was received, and sends by means of blocking suggestion to the electronic cards application server; The electronic cards application server carries out corresponding operating according to the card suggestion of borrowing that receives.
4. the electronic cards borrowing method based on intelligent terminal according to claim 3; It is characterized in that: in the said step (2) side of lending sending borrow card to invite in, also to select the identity information of own authentication information of trade company, input and debtor and select by means of the card mode and use the time limit.
5. according to claim 1 or 3 described electronic cards borrowing methods based on intelligent terminal, it is characterized in that: the side of lending passes through http, https agreement or socket and electronic cards application server swap data with the intelligent terminal that debtor is held.
6. the electronic cards borrowing method based on intelligent terminal according to claim 5 is characterized in that: after using expiration of time limit, and electronic cards application server automatic drawing back electronic cards, and send it back the breath of collecting mail respectively to the side of lending and debtor.
7. the electronic cards borrowing method based on intelligent terminal according to claim 5; It is characterized in that: cross the intelligent terminal held and send electronic cards when lending termination message to the electronic cards application server when lending square tube, the electronic cards application server reclaims corresponding electronic cards immediately.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011103772005A CN102521759A (en) | 2011-11-24 | 2011-11-24 | Electronic card borrowing method based on intelligent terminals |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011103772005A CN102521759A (en) | 2011-11-24 | 2011-11-24 | Electronic card borrowing method based on intelligent terminals |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN102521759A true CN102521759A (en) | 2012-06-27 |
Family
ID=46292666
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2011103772005A Pending CN102521759A (en) | 2011-11-24 | 2011-11-24 | Electronic card borrowing method based on intelligent terminals |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN102521759A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106157040A (en) * | 2016-07-12 | 2016-11-23 | 詹博凯 | A kind of collaborative method of commerce based on intelligent mobile terminal and system |
| CN106537440A (en) * | 2015-06-19 | 2017-03-22 | Sk 普兰尼特有限公司 | Membership card lending service method and device therefor |
| CN107274169A (en) * | 2017-06-08 | 2017-10-20 | 北京开心贝科技有限公司 | A kind of payment system and method that member card is shared based on mobile Internet |
| CN110992151A (en) * | 2019-12-13 | 2020-04-10 | 孙世杰 | Body-building card renting method |
| CN111429221A (en) * | 2020-03-26 | 2020-07-17 | 中国建设银行股份有限公司 | Article management method, application server and storage medium |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1333512A (en) * | 2000-04-05 | 2002-01-30 | 福巴尔拉尼桑斯股份有限公司 | Electronic cut-rate transaction system |
| CN101004811A (en) * | 2006-01-17 | 2007-07-25 | 石卫东 | System for processing mobile electric gift card |
| CN101223546A (en) * | 2005-05-16 | 2008-07-16 | 夏普株式会社 | Electronic ticket transfer system and electronic ticket transfer method |
-
2011
- 2011-11-24 CN CN2011103772005A patent/CN102521759A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1333512A (en) * | 2000-04-05 | 2002-01-30 | 福巴尔拉尼桑斯股份有限公司 | Electronic cut-rate transaction system |
| CN101223546A (en) * | 2005-05-16 | 2008-07-16 | 夏普株式会社 | Electronic ticket transfer system and electronic ticket transfer method |
| CN101004811A (en) * | 2006-01-17 | 2007-07-25 | 石卫东 | System for processing mobile electric gift card |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106537440A (en) * | 2015-06-19 | 2017-03-22 | Sk 普兰尼特有限公司 | Membership card lending service method and device therefor |
| CN106157040A (en) * | 2016-07-12 | 2016-11-23 | 詹博凯 | A kind of collaborative method of commerce based on intelligent mobile terminal and system |
| CN107274169A (en) * | 2017-06-08 | 2017-10-20 | 北京开心贝科技有限公司 | A kind of payment system and method that member card is shared based on mobile Internet |
| CN110992151A (en) * | 2019-12-13 | 2020-04-10 | 孙世杰 | Body-building card renting method |
| CN111429221A (en) * | 2020-03-26 | 2020-07-17 | 中国建设银行股份有限公司 | Article management method, application server and storage medium |
| CN111429221B (en) * | 2020-03-26 | 2023-12-29 | 建信金融科技有限责任公司 | Article management method, application server and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11004114B2 (en) | Components, system, platform and methodologies for mediating and provisioning services and product delivery and orchestrating, mediating and authenticating transactions and interactions | |
| KR100670779B1 (en) | Automated teller machine having an accessing point and method for providing financial service using the same | |
| CN104484929A (en) | Novel community safety application system and implementing method | |
| CN103617532A (en) | Offline payment and collection method and device for mobile terminals | |
| CN102521759A (en) | Electronic card borrowing method based on intelligent terminals | |
| CN109670968A (en) | Processing method, device, equipment and the computer storage medium of insurance data | |
| CN103577983A (en) | Load method of electronic currency for off-line consumption | |
| CN103440576A (en) | Mobile direct-payment system | |
| US20120028578A1 (en) | Arrangement for an nfc compatible mobile device for delayed transfer of an established friend connection and a related method | |
| CN102610043B (en) | Mobile terminal with virtual card-swiping function | |
| CN106779640A (en) | Face-to-face electronic payment controlling method and its device | |
| CN106878269A (en) | A kind of network authentication platform | |
| CN107622423A (en) | The method and device of electronic-parking ticket is obtained based on scanning subscriber identity information | |
| AU2011307617A1 (en) | Method and system for mobile identification, commerce and agreement transactions | |
| CN101840606A (en) | Credit card payment system and method based on mobile payment and bill active pushing | |
| CN109478283B (en) | Method for performing secure wireless payment using a wearable device | |
| JP2008191720A (en) | Electronic money charge system, electronic money charge issuing management system and electronic money provider system | |
| US11290878B2 (en) | Components, system, platform and methodologies for mediating and provisioning services and product delivery and orchestrating, mediating and authenticating transactions and interactions | |
| CN103577975A (en) | Remote office system based on mobile communication network and control method of the remote office system | |
| CN108584570A (en) | a kind of elevator control method and system | |
| WO2017193837A1 (en) | Future communication payment system based on signaling network | |
| CN102333125A (en) | Access-identifier-based network application realization method for integrated network | |
| CN103778689B (en) | A kind of gateway towards personal user overall situation control method and system | |
| US20050160046A1 (en) | Method for providing and billing wim functionalities in mobile communication terminals | |
| CN201765629U (en) | All-purpose card system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C12 | Rejection of a patent application after its publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20120627 |