CN102663460A - Universal integrated card system and work method thereof - Google Patents

Universal integrated card system and work method thereof Download PDF

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Publication number
CN102663460A
CN102663460A CN2012100997783A CN201210099778A CN102663460A CN 102663460 A CN102663460 A CN 102663460A CN 2012100997783 A CN2012100997783 A CN 2012100997783A CN 201210099778 A CN201210099778 A CN 201210099778A CN 102663460 A CN102663460 A CN 102663460A
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card
general
purpose integrated
integrated card
information
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CN2012100997783A
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童心
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Individual
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Priority to CN2012100997783A priority Critical patent/CN102663460A/en
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Priority to CN201310027268.XA priority patent/CN103106533B/en
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Abstract

The invention provides a universal integrated card system and a work method of the universal integrated card system, belonging to the technical field of card identification and management. The universal integrated card system consists of a card, a card reader, a universal integrated card service program, an electronic terminal of a merchant or an organization and a universal integrated card server; the card reader can identify and read information in the card so as to transmit the information to the universal integrated card service program; the universal integrated card service program can exchange information with an information system of the merchant or the organization through the electronic terminal of the merchant or the organization; besides, the universal integrated card service program also can exchange information with the universal integrated card server. The system and the method has the beneficial effects that: 1, all the functions of a current card can be integrated into the universal integrated card system; 2, the universal integrated card system can be suitable for different card readers; 3, different merchants or organizations are allowed to continue to have respective member systems, so that obstruction for popularization is lowest; 4, the security is high; 5, multiple cards can be conveniently managed; 6, the universal integrated card system is convenient to carry; and 7, the production cost is low.

Description

General-purpose integrated card system and method for work thereof
[technical field]
The present invention relates to card identification administrative skill field, relate in particular to a kind of general-purpose integrated card system and method for work thereof.
[background technology]
After IBM had invented magnetic stripe card in nineteen sixty, finance, retail, amusement or the like industry just began the information that widely-used this invention extracts easily and verify the client.In October, 1979, in state-owned first oneself credit card.Reform and opening-up after having passed through more than 30 year, country has all obtained significant progress with all our undertakings of society.All kinds of markets, the shop, the supermarket, restaurant chain store, the public place of entertainment, financial institution, communication enterprise, medical insurance enterprise, and all kinds of access and exit controls place has emitted like the mushrooms after rain.In the spring tide of this market economy, the people's the consumption pattern and the mode of thinking be also corresponding, and variation has taken place.The various card into an indispensable part in people's life.
It is convenient that card has given people; But when all kinds of enterprises or mechanism provide all kinds of credits card of oneself, member card, discount card or the like to clients one after another; It is found that all kinds of cards that had eternal plug not intact in the wallet suddenly, managing these cards just becomes a kind of burden.
[summary of the invention]
The present invention is directed to all kinds of member cards in the prior art, accumulating card, credit card, medical insurance card, bank card, stored value card etc. exist kind numerous and diverse, can not general, easy loss, problems such as security protection is not enough, management inconvenience; One cover total solution is provided, promptly adopts general-purpose integrated card system.
General-purpose integrated card system is made up of card, card reader, general-purpose integrated card service routine, businessman or mechanism's electric terminal, general-purpose integrated card server etc.
The information in the card can discerned and read to said card reader, and give general-purpose integrated card service routine with its information transmission.General-purpose integrated card service routine can carry out information interaction with businessman or organizational information system through businessman or mechanism's electric terminal, also can carry out information interaction with general-purpose integrated card server.
Said card reader can be IC-card card reader, magnetic card card reader, Bar code reader etc.
Said card by get stuck, magnetic stripe, IC chip, bar code area, card number district etc. form, magnetic stripe is positioned at the bottom of getting stuck, the magnetic stripe top be the card number district, is the IC chip above the card number district, IC chip right side is provided with bar code area.
This card is only put down in writing card holder's information and card number; This card number is corresponding to unique database in the general-purpose integrated card server; This database stores the card holder have and bind all kinds of businessmans or the most basic relevant information of mechanism's card of having got well, like card number, businessman or organization names etc.But this database is not stored the information of detailed businessman or mechanism's card, like consumption information, integration situation etc.; This database does not copy own member or consumer information system of other businessmans or mechanism.
The workflow of general-purpose integrated card system comprises following steps:
(1) general-purpose integrated card service routine is installed
General-purpose integrated card service routine is installed on each businessman or mechanism's electric terminal, and electric terminal can be at the computer of consuming point or the server of Unionpay;
(2) user becomes general-purpose integrated card user
The user can get through the application of login general-purpose integrated card official website, or purchases a little to fill in a form at the neck of appointment and get, and has preset a general-purpose integrated card card number in each Zhang Wanyong integrated card, and the user bundlees other all kinds of card numbers through website or businessman's service point;
(3) user swipes the card
(4) general-purpose integrated card system handles pattern
Whether have oneself member or consumer information system according to businessman or mechanism, the system handles pattern can be divided following three kinds:
Pattern one: when there be member or the consumer information system of oneself in businessman or mechanism and have wanted to continue to keep their existing system, the user brushed the general-purpose integrated card and may further comprise the steps:
(i) because the general-purpose integrated card is provided with the part of all kinds of card reader institute ability identification and matching, the user can swipe the card on all kinds of card reader of businessman that general-purpose integrated card service routine has been installed or mechanism.Then, card reader sends information such as general-purpose integrated card card number to general-purpose integrated card service routine;
(ii) general-purpose integrated card service routine can receive the information format that different card reader is transmitted into; Immediately, general-purpose integrated card service routine is given far-end general-purpose integrated card server the information such as title of consumer information such as the card number of brush general-purpose integrated card and consuming point through internet transmission;
(iii) general-purpose integrated card server is received after the information such as card number the inner database of retrieval immediately.General-purpose integrated card server finds corresponding user account with the integrated card number of receiving of general-purpose earlier, uses the corresponding merchant clauses and subclauses of the information searchings such as title of the bankcard consumption point of receiving to the lane database that is stored in this number of the account again.If bound the card of this businessman or mechanism before the card holder, just general-purpose integrated card server has successfully found the information that is applicable to this card a little of swiping the card at this moment.As: the card holder swipes the card in Wal-Mart, and general-purpose integrated card server receives card holder's the integrated card number of general-purpose and consuming point title-Wal-Mart.If this card holder has bound Wal-Mart's member card, just general-purpose integrated card server this member card card number of lockable this moment.Subsequently, general-purpose integrated card server information retransmissions such as this card numbers to the general-purpose integrated card service routine on the terminal.If the card holder does not bind this a little pairing card of swiping the card, for example the card holder wants to carry out bankcard consumption with the alternative China Merchants Bank of general-purpose integrated card gold card but has not bound China Merchants Bank's gold card as yet, and then general-purpose integrated card server can return error message and further prompting;
(iv) immediately, general-purpose integrated card service routine is being database server from businessman that general-purpose integrated card server receives or the card number of mechanism and the infosystem that other relevant informations send to this businessman or mechanism.Afterwards, this businessman or authority server information and completion transaction with regard to receiving by oneself; General-purpose integrated card service routine does not change original member or consumer information system and the consuming point terminal information transmission mode and the information content, and general-purpose integrated card service routine is a transfer interface in the direct relation of original " the member system of card reader-electric terminal-businessman or mechanism " just.The received consumer informations such as card number of the member of businessman or mechanism or consumer information system, and though its format and content be through general-purpose integrated card service routine handle the back and send over or all be identical directly from crossing without general-purpose integrated card system handles of obtaining of card reader;
Pattern two: when there be member or the consumer information system of oneself in businessman or mechanism and have wanted to continue to keep their existing system; When the user brushes the card that businessman or mechanism issue voluntarily; The integral body of information transmits can be not influenced; When general-purpose integrated card program found not to be general-purpose integrated card card number through the card number that card reader obtains, the information terminal completion that it just can be automatically directly send to businessman or mechanism to the information such as card number of businessman or mechanism oneself distribution was concluded the business;
Pattern three: when businessman or mechanism do not have oneself member or consumer information system, perhaps those are unwilling to continue to keep the businessman or the mechanism of own system, and the user brushes the general-purpose integrated card and may further comprise the steps:
(i) because the general-purpose integrated card is provided with the part of all kinds of card reader institute ability identification and matching, the user can swipe the card on all kinds of card reader of businessman that general-purpose integrated card service routine has been installed or mechanism.Then, card reader sends information such as general-purpose integrated card card number to general-purpose integrated card service routine;
(ii) general-purpose integrated card service routine can receive the information format that different card reader is transmitted into; Immediately, general-purpose integrated card service routine is given far-end general-purpose integrated card server the information such as title of consumer information such as the card number of brush general-purpose integrated card and consuming point through internet transmission;
(iii) general-purpose integrated card server finds corresponding user account with the integrated card number of receiving of general-purpose earlier, uses the corresponding merchant clauses and subclauses of the information searchings such as title of the bankcard consumption point of receiving to the lane database that is stored in this number of the account again.
(iv) general-purpose integrated card server has been set up a member database that belongs to themselves for each has the businessman or the mechanism that need.When the integrated card discovering server belongs to businessman or the mechanism that this type has needs through businessman that information found out or the mechanism that receives, just can directly get into corresponding database information extraction and accomplish transaction.
Main beneficial effect of the present invention is: one of which: general-purpose integrated card system can all incorporate the function of any existing card wherein; Its two: general-purpose integrated card itself can be settled the required different identification cards technology of all kinds of card reader, can be applicable to different types of card reader; Its three: the design of general-purpose integrated card system service program allows different businessmans or mechanism to continue to have oneself member system, thereby drops to a resistance of promoting minimum; Its four: the high safety of general-purpose integrated card system; Its five: multiple card is convenient to manage concentratedly in general-purpose integrated card system; Its six: the general-purpose integrated card is easy to carry; Its seven: general-purpose integrated card production cost is cheap relatively, and can be applied to any place that needs with card of all trades and professions.
[description of drawings]
Fig. 1 is a general-purpose integrated card structural representation of the present invention;
Fig. 2 has had member or the consumer information system works schematic diagram of oneself for businessman of the present invention or mechanism
Fig. 3 does not have member or the consumer information system works schematic diagram of oneself for businessman of the present invention or mechanism
Reference numeral: 1, get stuck; 2, magnetic stripe; 3, IC chip; 4, bar code area; 5, card number district.
[embodiment]
The present invention realizes through following technical scheme: general-purpose integrated card system is made up of card, card reader, general-purpose integrated card service routine, businessman or mechanism's electric terminal, general-purpose integrated card server etc.
The information in the card can discerned and read to said card reader; And give general-purpose integrated card service routine with its information transmission; General-purpose integrated card service routine can carry out information interaction with the infosystem of businessman or mechanism through businessman or mechanism's electric terminal, and general-purpose integrated card service routine also can carry out information interaction with general-purpose integrated card server.
Said card reader can be IC-card card reader, magnetic card card reader, Bar code reader etc.
Said card by get stuck 1, magnetic stripe 2, IC chip 3, bar code area 4, card number district 5 etc. form, magnetic stripe 2 is positioned at 1 bottom of getting stuck, magnetic stripe 2 tops are card number district 5,5 tops, card number district are IC chip 3, IC chip 3 right sides are provided with bar code area 4.
This card is only put down in writing card holder's information and card number; This card number is corresponding to unique database in the general-purpose integrated card server; This database stores the card holder have and bind all kinds of businessmans or the most basic relevant information of mechanism's card of having got well, like card number, businessman or organization names etc.But this database is not stored the information of detailed businessman or mechanism's card, like consumption information, integration situation etc.; This database does not copy own member or consumer information system of other businessmans or mechanism.
The workflow of general-purpose integrated card system comprises following steps:
(1) general-purpose integrated card service routine is installed
General-purpose integrated card service routine is installed on each businessman or mechanism's electric terminal, and electric terminal can be at the computer of consuming point or the server of Unionpay;
(2) user becomes general-purpose integrated card user
The user can get through the application of login general-purpose integrated card official website, or purchases a little to fill in a form at the neck of appointment and get, and has preset a general-purpose integrated card card number in each Zhang Wanyong integrated card, and the user bundlees other all kinds of card numbers through website or businessman's service point;
(3) user swipes the card
(4) general-purpose integrated card system handles pattern
Whether have oneself member or consumer information system according to businessman or mechanism, the system handles pattern can be divided following three kinds:
Pattern one: as shown in Figure 2, when there be member or the consumer information system of oneself in businessman or mechanism and have wanted to continue to keep their existing system, the user brushed the general-purpose integrated card and may further comprise the steps:
(i) because the general-purpose integrated card is provided with the part of all kinds of card reader institute ability identification and matching, the user can swipe the card on all kinds of card reader of businessman that general-purpose integrated card service routine has been installed or mechanism.Then, card reader sends information such as general-purpose integrated card card number to general-purpose integrated card service routine;
(ii) general-purpose integrated card service routine can receive the information format that different card reader is transmitted into; Immediately, general-purpose integrated card service routine is given far-end general-purpose integrated card server the information such as title of consumer information such as the card number of brush general-purpose integrated card and consuming point through internet transmission;
(iii) general-purpose integrated card server is received after the information such as card number the inner database of retrieval immediately.General-purpose integrated card server finds corresponding user account with the integrated card number of receiving of general-purpose earlier, uses the corresponding merchant clauses and subclauses of the information searchings such as title of the bankcard consumption point of receiving to the lane database that is stored in this number of the account again.If bound the card of this businessman or mechanism before the card holder, just general-purpose integrated card server has successfully found the information that is applicable to this card a little of swiping the card at this moment.As: the card holder swipes the card in Wal-Mart, and general-purpose integrated card server receives card holder's the integrated card number of general-purpose and consuming point title-Wal-Mart.If this card holder has bound Wal-Mart's member card, just general-purpose integrated card server this member card card number of lockable this moment.Subsequently, general-purpose integrated card server information retransmissions such as this card numbers to the general-purpose integrated card service routine on the terminal.If the card holder does not bind this a little pairing card of swiping the card, for example the card holder wants to carry out bankcard consumption with the alternative China Merchants Bank of general-purpose integrated card gold card but has not bound China Merchants Bank's gold card as yet, and then general-purpose integrated card server can return error message and further prompting;
(iv) immediately, general-purpose integrated card service routine is being database server from businessman that general-purpose integrated card server receives or the card number of mechanism and the infosystem that other relevant informations send to this businessman or mechanism.Afterwards, this businessman or authority server information and completion transaction with regard to receiving by oneself; General-purpose integrated card service routine does not change original member or consumer information system and the consuming point terminal information transmission mode and the information content, and general-purpose integrated card service routine is a transfer interface in the direct relation of original " the member system of card reader-electric terminal-businessman or mechanism " just.The received consumer informations such as card number of the member of businessman or mechanism or consumer information system, and though its format and content be through general-purpose integrated card service routine handle the back and send over or all be identical directly from crossing without general-purpose integrated card system handles of obtaining of card reader;
Pattern two: when there be member or the consumer information system of oneself in businessman or mechanism and have wanted to continue to keep their existing system; When the user brushes the card that businessman or mechanism issue voluntarily; The integral body of information transmits can be not influenced; When general-purpose integrated card program found not to be general-purpose integrated card card number through the card number that card reader obtains, the information terminal completion that it just can be automatically directly send to businessman or mechanism to the information such as card number of businessman or mechanism oneself distribution was concluded the business;
Pattern three: as shown in Figure 3, when businessman or mechanism do not have oneself member or consumer information system, perhaps those are unwilling to continue to keep the businessman or the mechanism of own system, and the user brushes the general-purpose integrated card and may further comprise the steps:
(i) because the general-purpose integrated card is provided with the part of all kinds of card reader institute ability identification and matching, the user can swipe the card on all kinds of card reader of businessman that general-purpose integrated card service routine has been installed or mechanism.Then, card reader sends information such as general-purpose integrated card card number to general-purpose integrated card service routine;
(ii) general-purpose integrated card service routine can receive the information format that different card reader is transmitted into; Immediately, general-purpose integrated card service routine is given far-end general-purpose integrated card server the information such as title of consumer information such as the card number of brush general-purpose integrated card and consuming point through internet transmission;
(iii) general-purpose integrated card server finds corresponding user account with the integrated card number of receiving of general-purpose earlier, uses the corresponding merchant clauses and subclauses of the information searchings such as title of the bankcard consumption point of receiving to the lane database that is stored in this number of the account again.
(iv) general-purpose integrated card server has been set up a member database that belongs to themselves for each has the businessman or the mechanism that need.When the integrated card discovering server belongs to businessman or the mechanism that this type has needs through businessman that information found out or the mechanism that receives, just can directly get into corresponding database information extraction and accomplish transaction.
According to the announcement and the instruction of above-mentioned instructions, those skilled in the art in the invention can also carry out suitable change and modification to above-mentioned embodiment.Therefore, the embodiment that discloses and describe above the present invention is not limited to also should fall in the protection domain of claim of the present invention modifications more of the present invention and change.In addition, although used some specific terms in this instructions, these terms are explanation for ease just, the present invention is not constituted any restriction.

Claims (4)

1. general-purpose integrated card system; It is characterized in that: form by card, card reader, general-purpose integrated card service routine, businessman or mechanism's electric terminal, general-purpose integrated card server etc.; The information in the card can discerned and read to said card reader; And give general-purpose integrated card service routine with its information transmission; General-purpose integrated card service routine can carry out information interaction with businessman or organizational information system through businessman or mechanism's electric terminal, and general-purpose integrated card service routine also can carry out information interaction with general-purpose integrated card server.
2. general-purpose integrated card according to claim 2 system, it is characterized in that: said card reader can be IC-card card reader, magnetic card card reader, Bar code reader etc.
3. general-purpose integrated card according to claim 1 system; It is characterized in that: said card by get stuck, magnetic stripe, IC chip, bar code area, card number district etc. form, magnetic stripe is positioned at the bottom of getting stuck, the magnetic stripe top is the card number district; Top, card number district is the IC chip, and IC chip right side is provided with bar code area.
4. its method of work of general-purpose integrated card system comprises following steps:
(1) general-purpose integrated card service routine is installed
General-purpose integrated card service routine is installed on each businessman or mechanism's electric terminal, and electric terminal can be at the computer of consuming point or the server of Unionpay;
(2) user becomes general-purpose integrated card user
The user can get through the application of login general-purpose integrated card official website, or purchases a little to fill in a form at the neck of appointment and get, and has preset a general-purpose integrated card card number in each Zhang Wanyong integrated card, and the user bundlees other all kinds of card numbers through website or businessman's service point;
(3) user swipes the card
(4) general-purpose integrated card system handles pattern
Whether have oneself member or consumer information system according to businessman or mechanism, the system handles pattern can be divided following three kinds:
Pattern one: when there be member or the consumer information system of oneself in businessman or mechanism and have wanted to continue to keep their existing system, the user brushed the general-purpose integrated card and may further comprise the steps:
(i) because the general-purpose integrated card is provided with the part of all kinds of card reader institute ability identification and matching; The user can swipe the card on all kinds of card reader of businessman that general-purpose integrated card service routine has been installed or mechanism; Then, card reader sends information such as general-purpose integrated card card number to general-purpose integrated card service routine;
(ii) general-purpose integrated card service routine can receive the information format that different card reader is transmitted into; Immediately, general-purpose integrated card service routine is given far-end general-purpose integrated card server the information such as title of consumer information such as the card number of brush general-purpose integrated card and consuming point through internet transmission;
(iii) general-purpose integrated card server is received after the information such as card number the inner database of retrieval immediately; General-purpose integrated card server finds corresponding user account with the integrated card number of receiving of general-purpose earlier, uses the corresponding merchant clauses and subclauses of the information searchings such as title of the bankcard consumption point of receiving to the lane database that is stored in this number of the account again; If bound the card of this businessman or mechanism before the card holder, just general-purpose integrated card server has successfully found the information that is applicable to this card a little of swiping the card at this moment; As: the card holder swipes the card in Wal-Mart, and general-purpose integrated card server receives card holder's the integrated card number of general-purpose and consuming point title-Wal-Mart; If this card holder has bound Wal-Mart's member card, just general-purpose integrated card server this moment this member card card number of lockable, subsequently, general-purpose integrated card server information retransmissions such as this card numbers to the general-purpose integrated card service routine on the terminal; If the card holder does not bind this a little pairing card of swiping the card, for example the card holder wants to carry out bankcard consumption with the alternative China Merchants Bank of general-purpose integrated card gold card but has not bound China Merchants Bank's gold card as yet, and then general-purpose integrated card server can return error message and further prompting;
(iv) immediately, general-purpose integrated card service routine is being database server from businessman that general-purpose integrated card server receives or the card number of mechanism and the infosystem that other relevant informations send to this businessman or mechanism; Afterwards, this businessman or authority server information and completion transaction with regard to receiving by oneself; General-purpose integrated card service routine does not change original member or consumer information system and the consuming point terminal information transmission mode and the information content, and general-purpose integrated card service routine is a transfer interface in the direct relation of original " the member system of card reader-electric terminal-businessman or mechanism " just; The received consumer informations such as card number of the member of businessman or mechanism or consumer information system, and though its format and content be through general-purpose integrated card service routine handle the back and send over or all be identical directly from crossing without general-purpose integrated card system handles of obtaining of card reader;
Pattern two: when there be member or the consumer information system of oneself in businessman or mechanism and have wanted to continue to keep their existing system; When the user brushes the card that businessman or mechanism issue voluntarily; The integral body of information transmits can be not influenced; When general-purpose integrated card program found not to be general-purpose integrated card card number through the card number that card reader obtains, the information terminal completion that it just can be automatically directly send to businessman or mechanism to the information such as card number of businessman or mechanism oneself distribution was concluded the business;
Pattern three: when businessman or mechanism do not have oneself member or consumer information system, perhaps those are unwilling to continue to keep the businessman or the mechanism of own system, and the user brushes the general-purpose integrated card and may further comprise the steps:
(i) because the general-purpose integrated card is provided with the part of all kinds of card reader institute ability identification and matching; The user can swipe the card on all kinds of card reader of businessman that general-purpose integrated card service routine has been installed or mechanism; Then, card reader sends information such as general-purpose integrated card card number to general-purpose integrated card service routine;
(ii) general-purpose integrated card service routine can receive the information format that different card reader is transmitted into; Immediately, general-purpose integrated card service routine is given far-end general-purpose integrated card server the information such as title of consumer information such as the card number of brush general-purpose integrated card and consuming point through internet transmission;
(iii) general-purpose integrated card server finds corresponding user account with the integrated card number of receiving of general-purpose earlier, uses the corresponding merchant clauses and subclauses of the information searchings such as title of the bankcard consumption point of receiving to the lane database that is stored in this number of the account again;
(iv) general-purpose integrated card server has been set up a member database that belongs to themselves for each has the businessman or the mechanism that need; When the integrated card discovering server belongs to businessman or the mechanism that this type has needs through businessman that information found out or the mechanism that receives, just can directly get into corresponding database information extraction and accomplish transaction.
CN2012100997783A 2012-04-06 2012-04-06 Universal integrated card system and work method thereof Pending CN102663460A (en)

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CN201310027268.XA CN103106533B (en) 2012-04-06 2013-01-22 General-purpose integrated card, integrated card system and approaches to IM thereof

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CN103559529A (en) * 2013-11-05 2014-02-05 山东大学 Novel membership card and working method thereof
CN105894076A (en) * 2014-12-15 2016-08-24 璁镐赴 Credible authentication interconnection and intercommunication PSAM card
CN109428965B (en) * 2017-06-30 2020-10-13 北京橙鑫数据科技有限公司 Method for data communication, related device and system and storage medium
CN115358246B (en) * 2022-10-24 2023-05-02 湖南会成科技有限公司 Information interaction method, device, storage medium and processor

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CN1700222B (en) * 2004-09-21 2011-10-05 陈澍 Open type multiple merchant shared member card system and construction method thereof
CN101727707B (en) * 2008-10-30 2011-11-09 范磊 Multifunction card system and method for applying multifunction cards through same

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107103466A (en) * 2017-04-05 2017-08-29 合肥酷睿网络科技有限公司 A kind of shopping payment system based on GPRS network

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Application publication date: 20120912