CN102880957A - Tourist payment system and method - Google Patents

Abstract

The invention realizes a Postpaid E-money system and an operating method in tourist payment. A post-payment system is built and connected with both business partners and financial institutions in local sightseeing places. After the PAD (Pre-Authorized Debits) is received through the financial institutions, the business places of the local business partners are utilized to issue postpaid e-money, and tourist consumption and various payments in the local sightseeing places can be realized through the postpaid e-money.

Description

A kind of travelling payment system and method

Technical field

The present invention relates to electronics and calculate the field, relate in particular to the E-Payment field.

Background technology

1. market background

2012, the income of China's tourist industry accounted for GDP7.8%, and tourism has become the mainstay industry in many areas.Yet the travelling payment is puzzlement visitor's problem all the time.Particularly in abroad tourism, owing to safety and exchange reason can't be carried buckets of cash; And the means of payment that the entrained financial institutions such as credit card provide, also because shop allied is few, the problems such as service charge height can't be brought the convenience that should have to the visitor.If therefore can address this problem, just can bring larger facility to the visitor, and further promote tourism consumption, thereby further promote continuable economic development.

2. have existing problem in the method now

2.1 traveler's check

Traveler's check is traditional employed finance resolution of whilst on tour overseas, but few at Chinese convertibility point, formality is loaded down with trivial details, and traveler's check finally still is to be exchanged into currency, can't be directly in order to payment.

2.2 credit card

Credit card be method of payment eaily, but the businessman of joining must be paid the service charge of credit card company's great number at present tourism payment, and concerning businessman the capital settlement cycle be extended.Therefore these conditions are unfavorable for medium and small businessman and small amount payment very much, many businessmans modes of payments of can't receiving credit card on business model.

2.3 Stored Value type tourism all-purpose card

Strange land Stored Value type tourism all-purpose card is a kind of first means of payment of payment (Prepaid), yet this mode, commercially be difficult to reach reciprocal pattern with tourist site, and need the visitor to pay in advance, so cost is huge when operation cost and popularization recruit.In addition according to the financial system of many countries, payment (Prepaid) electronic money can not be converted cash freely first, therefore when the visitor knows that oneself can't exchange back cash to the remaining sum in the stored value card, the visitor can produce suitable opposing sense, thereby refusal is bought Stored Value type tourism card.

3. other open methods

Patent US2011218913A1 VIRTUAL TRAVELER'S CHECK has proposed a kind of traveller's check of pseudoization, by server and network, and the identification user ID, and by network service, check the check true and false and the amount of money.By the method, the tourist can not carry paper checks, finishes the traveller's check all functions.

Ri Bente Xu the 3365599th, " the little hand シ ス テ system of cutting of Electricity " proposed use eCheck system, processes the method for check, and the eCheck system is widely used in Japan, Korea S.The full silver of Japan (tissue that is equivalent to China Unionpay) has been constructed system, and check can be paid, cut apart, transfer the possession of by system.

But said method has only solved the safety of currency or check and has carried problem, still can't directly solve the problem of paying in the travelling.

4. invention target

In sum, a kind of new system and method for market demand, to reach following target:

1. the method for payment of overseas travelling easily, the visitor need not carry currency and need not exchange;

2. the payment of small amount during service charge and cost can adapt to;

3. commercially, and the local business parnter of tourism reaches reciprocally, reduces operation and promotes recruit's cost;

4. solve in advance payment, the problem that afterwards can't cash.

Summary of the invention

Mode with pre-authorization (Pre-Authorized Debits is called for short PAD) obtains credit, props up (postpaid) electronic money of making paper moulds after providing with form of credit, realizes direct payment with the electronic money media format.

PAD is a kind of financial service that financial institution provides.Under the prerequisite that the user agrees, the shop allied of financial institution services requires to freeze certain amount of money in user's finance account, and frozen later on user haves no right to use this amount of money, until the shop allied of financial institution protocol requires clearing.Financial institution under the prerequisite that the user agrees, formally completes a business transaction the amount of money after receiving shop allied clearing request.Described financial institution (Financial Institution) is the commercial bank with cash processing power and the credit card company that processes credit etc.

The objective of the invention is to realize rear (postpaid) electronic money of making paper moulds of safety;

Another purpose of the present invention is, when making paper moulds electronic money after realizing, so that the cost during small amount payment is not higher than credit card;

Another purpose of the present invention is, and the local business parnter of tourism sets up mutualism, the reduction selling cost.

In the present invention, construct rear payment operation system (post-payment system), and be connected business parnter and financial institution system and connect, behind financial institution system acquisition PAD, prop up the electronic money (postpaid e-money) of making paper moulds after utilizing the distribution of local business parnter place of business, realize purpose of the present invention by rear payment electronic money.

Progressive of the present invention is,

1. by paying by mails, provide the visitor in tourist site safety, means of payment easily;

2. reduce the merchants of businessman and visitor's payment cost;

3. the business parnter with tourist site sets up mutualism, cuts operating costs;

In addition, method of the present invention owing to adopted registeredly, is processed so can realize losing the cancellation of stealing after the difficulty, further guarantees visitor's payment safety.The cancellation that loss is stolen after the difficulty is treated to known technology, so do not add in this manual record.

In addition, the present invention has promoted consumption indirectly when facilitating, reduced again currency in circulation, further promotes continuable economic development.

In this instructions, described visitor is mainly the visitor who does not hold local currency, and described financial institution is mainly offshore banking mechanism, but in practice, if consider the local business parnter degree of cooperating with each other, progressive of the present invention goes for the domestic tourist equally.

Description of drawings

Fig. 1 system overview figure

Payment Operation Server framework map behind Fig. 2

Fig. 3 server is inner to be consisted of

Payment electric bank-note card distribution disposal route behind Fig. 4

Merchant system when the payment electronic money is consumed behind Fig. 5

Payment electronic money consuming method behind Fig. 6

Payment electronic money liquidation method behind Fig. 7

Fig. 8 card selling apparatus structural drawing

Fig. 9 sells the card processing flow chart

Embodiment

Fig. 1 system overview figure

As shown in the figure, system is comprised of the following units

1. pay afterwards operation system (1);

2. business parnter system (2);

3. financial institution system (3)

User (9) as native system has the media Medium (90) that financial institution issues simultaneously, be commonly at present IC smart card form, can be evolved into from now on and plant the Card in the virtual of portable phone, perhaps other forms, hereinafter to be referred as fiscard (90), the creditable card of common fiscard, bank cash card etc., the media such as IC-card are not in interest field of the present invention.(claim 1)

Described rear payment operation system (1) is made of the following units

1. server group (10) realizes rear one group of server paying operation system

2. card selling apparatus (11), by network and order wire, for example VPN links to each other with server, and body is deployed on business parnter's place of business.Card selling apparatus is simple and mechanical device, can adopt full-automatic and automanual device, also can replace as of equal value with manually selling card.

Described server group, comprise application server (Application Server) and database server (DB Server), described server should be arranged is to come several station servers arranged side by side by load balancer (Load Balancer), also can be server group (Cluster).Disposing application program in the server group (applications) is processed various requirement (requested transaction).In small-sized service, application server can be dwelt in a station server together with the DB server.In large-scale service, DB server and application server independent (isolated), and use internal network (LAN) to connect.

Described server and aftermentioned financial institution system are with network connection, and connected mode is VPN, industrial siding, or any in the internet, wherein adopt in the situation of internet, must use the authenticated encryption processing such as SSL.Adopt mode message (Messaging) to hand over mutually letter between the system, text hands over the letter mode can adopt Socket, SOAP over HTTP (S), or REST etc.In the present invention, text is the XML form before encryption, also can adopt the TXT mode to replace as equal.

Described server and aftermentioned business parnter system be with network connection, and SSL is adopted in method of attachment, VPN, and any in industrial siding or the general internet when using the internet, must use the authenticated encryption such as SSL to process.Adopt mode message to hand over mutually letter between the system, text hands over the letter mode can adopt Socket, SOAP over HTTP (S), or REST etc.In the present invention, text is the XML form before encryption, also can adopt the TXT mode to replace as equal.

Described network, at least comprise the data line that links to each other with the internet, can be preferably, router (Router), the communicator such as 2 layers, 3 layer switchs (L2/3 SW) is disposed the setting of access control (Access Control) and fender wall in described communicator.As option, but Adoption Network accelerator (Accelerator), and encrypt/decrypt accelerator (Accelerator) improves the processing speed in the Internet Transmission.

Described card selling apparatus (11) is deployed in business parnter's place of business, adopts automatically or semi-automatic, also can replace with artificial.In full automatic situation by network be connected the payment operation system and connect, connected mode is identical with above-mentioned network mode.In the situation of manually selling card, rear payment operation system provides sells the card prompting, and operator provides and the flow process training, and adopting and manually selling card is deteriorated replacement method of the present invention.

Described electronic money media adopt at present popular various forms of cards, such as magnetic stripe card, contact-type IC-card, non-contact IC card;

Also can adopt and be deployed in the mobile phone that carries the NFC chip;

Also can adopt the electronic money form of bio-identification mode,

In example of the present invention, be example for ease of understanding the employing non-contact IC card.

The mobile phone of described lift-launch NFC chip, its feature monetary value is stored in the mobile phone, and mobile phone has safety precautions, as adopting security element Secure Element chip form.

Described bio-identification mode is characterized by monetary value and is stored in (Center Server) in the central server, determines the user by the bio-identification mode.(claim 1)

Described business parnter system (2) is made of the following units

1. POS holds end (20), and POS end end is connected with the rear payment Operation Server (10) of rear payment operation system (1);

2. the standard card reader of financial institution (21), card reader can be to be built in POS to hold last card reader, also can be the external card reader that is connected with POS by certain interface;

The common business parnter of ※ has hotel, hotel, chain store etc. hires a car.

Described POS end end comprises such as Wifi, 3G, and the communication units such as Ethernet in the POS end, also have based on hardware, can identify the POS-ID of POS end, and POS end end is identified, authenticated to rear payment operation system (1) by POS-ID.

Described POS end end by network be connected the server of payment operation system and connect, in described network, comprise router (Router), the communicators such as 2 layers, 3 layer switchs (L2/3 SW).For guaranteeing network security, in setting, access only allow data to spread out of, and do not allow data to import into.When adopting the Socket mode with rear payment operation system agreement, adopt fixing port numbers (Port), and set the data access of other all of the ports of refusal.

Described card reader (21) adopts financial institution's industrywide standard, processes the credits card such as Master and Visa such as the EMV standard in Europe; The standard of Unionpay is processed the fiscard of Unionpay's specification; The GP standard is processed the fiscard of GP standard.Card reader is provided by the card reader manufacturer.

Described financial institution system (3), it is characterized by provides pre-authorization service and system interface.Financial institution system does not belong to claim scope of the present invention.

Payment Operation Server framework map behind Fig. 2

As shown in the figure, rear payment Operation Server framework is made of the following units

1. application server (101) in order to accepting distribution based on request and the response text of HTTP, and carries out the application program of respective handling as requested

2.DB server (102) is used for persistence (Persistence) record;

3. disk matrix (103), the hardware device of physical memory (Storage);

4. fire wall Firewall (105), by Router, the hardware net equipment such as L2/3SW consist of, and set access control (Access Control) and realize fire wall;

5. load balancing apparatus Load Balancer (104) is used for the quantity of balanced application server session (Session), and guarantees the load balancing of every station server.

6. network (13)

Described application server (101) can be expanded as required, and its quantity can be from 1 to several; Server comprises CPU, internal memory, hard disk and communicator.

Described DB server (102) and disk matrix (103) can be integrated in the machine, also can adopt separate mode, in the situation for large-scale data volume, adopt separate mode; (

Fig. 3 server is inner to be consisted of

As shown in the figure, the inside of application server constitutes hardware and software two parts, and wherein hardware comprises CPU (1011) and internal memory (1012) at least, and software is

1.OS (1015), for example windows, or Unix, (this is product, does not need exploitation);

2. application service middle layer (1016) can select to meet the various application services middle layer of Enterprise Java standard, such as WebLogic/WebSphere/JBoss etc.; It also can be the application service middleware (this is product, does not need exploitation) of .net;

3. application services (1017) is realized the program of disposal route of the present invention;

The inside of database server constitutes and is hardware and software two parts, and wherein hardware comprises CPU (1021) and internal memory (1022) at least, and software is

1.OS(1025)；

2.DBMS (1026), provide the DB management function, this part is product, does not need exploitation;

3. show and view (1027) content in the minute book invention program

Payment electric bank-note card distribution disposal route behind Fig. 4

As shown in the figure, the distributing method of rear payment electric bank-note card is as follows

I1. visitor (9) is to the media (90) of financial institution's distribution that business parnter (2) proposition is held;

I2. the business parnter is read in the information of fiscard by the card reader (21) in the system (2), comprises the information such as ID, PIN in the information, and by POS (20), to the claim request of pre-authorization of financial institution system (3);

I3. financial institution returns the pre-authorization result;

I4. business parnter (2) requires the passenger to confirm, passenger (9) provides affirmation, and record is preserved by business parnter (2);

I5. business parnter system (3) pays electronic money business system (1) distribution pre-authorization notice backward, comprises at least the amount of money and identity identification information in the notice

I6. pay afterwards business system (1) processing requirements, distribution new record in the system, and after card selling apparatus (11) distribution, pay electronic money media (12), hereinafter to be referred as rear Payment Card (12);

I7. payment electronic money media after paying,

※ is concise explanation because card selling apparatus (11) physical location is deployed in the business parnter system (3), omits in the drawings card selling apparatus.Card selling apparatus structure and operation method aftermentioned.

Business partner, the agent processes pre-authorization.Process the entitlement of the equipment (card reader etc.) of pre-authorization, can belong to business parnter (2) or rear character operator (1) according to agreement.For security consideration, also can both sides hold separately own specialized equipment.In the situation of holding separately specialized equipment, step I 2, the processing of i3 is realized by rear payment operation management system.In the present invention take business partner as example, reason is that the travelling industry spreads all over the world, electronic money operator is difficult to carry out separately business at A Far And Away Nation or area, therefore on business model, adopts local business parnter's system, business model by cooperative development operation mutual reciprocity and mutual benefit, can be with lower cost, higher efficient is finished purpose of the present invention, and electronic money operator, payment business the affiliate fix, perhaps according to distribution member quantity payment proxy management service charge.

The rights ownership of pre-authorization belongs to rear payment electronic money operator.Pre-authorization can use the various foreign currencies such as Euro, dollar, yen to obtain as right, also can use RMB.In rear payment electric bank-note card distribution process, need not to be exchanged into RMB or local currency, actual redemption is carried out during final final accounts after payment.

Described step I 2, described in require in the request message of pre-authorization, comprise at least in the request in the fiscard information and the application amount of money, SOAP over HTTPS is adopted in request, perhaps other mode messages, and the text structure is XML or TXT mode, take XML as example, require text as follows.

Described step I 3 described results are successfully/unsuccessfully, in the failed situation, process and end.

The confirmation method of described step I 4 can be signature, perhaps inputs PIN according to the card reader of EMV standard, or other confirmation methods that substitute on an equal basis.

Merchant system when the payment electronic money is consumed behind Fig. 5

As shown in the figure, the consumption of rear payment electronic money need to be joined businessman and be had merchant system (4), and merchant system is by POS (40), and is connected or is built in POS (40), card reader (41) formation.Described electronic money media have multiple existing way, for convenience of description, take contactless IC card (12) as example, and are card reader (41) with the reader specialization.

Visitor (9) points out contactless IC card (12), and contactless IC card (12) information is read in by card reader (41) in businessman.In the described card reader, specific Card Reader program module is installed.This program module handles, the mutual authentication processing between card reader (41) and the contactless IC card (12).Basic mode is the authentication of key mode, for the employing of tightening security property generates OTP (OneTimePassword) based on the dynamic password generating mode of key, only has the card reader that the card reading module program has been installed could understand the password of electronic money media.The card reading module program uses APDU instruction (a kind of IC-card instruction set based on the ISO7816 specification) and contactless IC card (12) to carry out the text exchange, finishes the derating processing requirements of contactless IC card (12).

Payment electronic money consuming method behind Fig. 6

As shown in the figure, rear payment electronic money consuming method is as follows,

After the visitor bought commodity/service, note from the merchant can be settled accounts with rear payment electronic money method

B1. payment electric bank-note card (12) after visitor (9) proposes

B2. businessman sends instruction from the card reader at POS end end, the electric bank-note card record consumption amount of money

B3. businessman pays the electronic money business system backward, requires the amount of money, requires to comprise at least electronic money media ID in the text, requires the amount of money

B4. pay afterwards the electronic money business system, return result

B5. pay afterwards the electronic money business system, by financial account number, consume the amount of money to the payment visitor of businessman

Described step b1 is in the situation of media at contactless IC card (12), visitor (9) uses the contactless IC card (12) of holding to touch the card reader (41) of businessman, card reader (41) is used the Card Reader program module, contactless IC card (12) is carried out authentication processing, behind the authentication success, in described step b2, card reader is used the NDEF mode mutually, transmit the APDU instruction, order contactless IC card (12) deducts the corresponding consumption amount of money.Described APDU instruction is according to ISO/IEC10536

In described step b2, also can use the disposal route of central service formula, at this time, businessman sends instruction from the card reader at POS end end, ID on the read electric money card, and with ID and the processing of the rear payment of consumption amount of money submission electronic money operation system, record and preservation.

At described step b2, also can adopt the Coexistence mode (hybrid) that blocks simultaneously record and server record.

Among the described step b3, use non-instant processing (Asynchronous mode), pay backward the electronic money business system and file a request, mode message can be SOAP over Https, and REST waits the mode of XML-based, also can be TXT, in the XML mode as the example text as:

The POS of businessman, by network (42) be connected payment electronic money business system and connect, network (42) VPN, industrial siding, or any in the internet, wherein adopt in the situation of internet, must use the authenticated encryption processing such as SSL, in the POS of businessman machine, dispose digital sign, prove the true or false at end end.

Payment electronic money liquidation method behind Fig. 7

As shown in the figure, the actual liquidation method of rear payment electronic money is as follows:

P1. the visitor (9) who holds rear payment electronic money media (12) proposes electronic money media (12) to business partner (2), the requirement of oral proposition clearance;

P2. business parnter system (2) pays backward electronic money business system (1) and proposes the requirement of the inquiry amount of money;

P3. pay afterwards electronic money business system (1) and return the consumption total charge, and consumption details;

P4. business parnter system (2) points out content of consumption to require visitor (9) to confirm;

P5. visitor (9) signature is inputted password, perhaps selects other to admit method;

P6. business parnter (2) proposes the payment requirement of amount to financial institution system (3), and cancels pre-authorization;

P7. financial institution system (3) is processed, and return results;

P8. the notice of pre-authorization is cancelled in business parnter (2) prompting, and provides payment in detail;

P9. financial institution system (3) is paid system of electronic money operator (1), the employed amount of money of visitor (9) after the payment;

In the described step, the processing in business parnter system (2), according to Business agreement, also can equivalent replacement, be deployed in the rear payment electronic money business system (1).

Described step p2 wherein in the query requests text, comprises electronic money media id information;

Described step p3, " the electronic money media ID " of rear payment electronic money business system (1) by obtaining among the step p2, retrieval DB

In the consumption details information, comprise the time on date, join trade name, the information such as content of consumption, the consumption amount of money; Among the described step p4, show or print content of consumption obtained among the step p3.The utility appliance such as printer, display does not add detailed description.Described step p5, the record of visitor (9) signature and input password is stored in the system.

Fig. 8 card selling apparatus structural drawing

As shown in the figure, card selling apparatus is by consisting of with lower member,

1. central control module (110), central control module is a single card microcomputer, described single card microcomputer has CPU and a small amount of internal memory, loads the embedded Control program in the described internal memory,

2. card release mechanical module (111), this unit are by spring, and travelling belt can consist of by machinery,

3. Card Reader/write card device (112), this unit write the initial stage data before card is sent device, and the correctness of data in the check card,

4. communication unit (113), this unit is by standard traffic cell formations such as Ethernet

5. card release control module (114), this unit also can be integrated in the central control module, but for the card release mechanical module as an independent component, so be separated, in this module, award the various control signals of card release mechanical module (111).

Fig. 9 sells the card processing flow chart

As shown in the figure, it is as follows to sell the card processing procedure

IC1. pay afterwards operation system by network, send the card release instruction, the Socket mode is adopted in communication, transmits at tcp/ip layer, comprises visitor ID, the projects such as the restriction amount of money in the described card release instruction;

IC2. the central control module of card selling apparatus (11) sends the card release instruction to card release control module (114)

IC3. card release control module (114) is processed the card release processing

IC4. central control module (110) sends the initialization process order to read/write card device PICC (112), comprises the information such as user ID and the restriction amount of money in the order

IC5. the processing of read/write card device and return results are to central control module (110), and central control module (110) returns rear payment operation system (1) result

Practical example 1 is passed through credit card overseas, payment electric bank-note card after the distribution.

1. the visitor carries credit card to the hotel (or other business partners);

2. according to the described step of payment electronic money distribution disposal route behind Fig. 3, the hotel utilizes credit card pre-authorization mode, is the pre-authorization of agent application credit card company of rear payment electronic money operator; After rear payment electronic money operator obtains pre-authorization, by placing the card selling apparatus in hotel, submit the electric bank-note card that is activated to

4. according to the described step of payment electronic money payment method behind Fig. 5, the visitor uses electric bank-note card, in the businessman of joining, utilizes and directly consumes based on the electric bank-note card of local currency;

5. the visitor proposes the clearing requirement when leaving the hotel, according to the described step of payment electronic money payment method behind Fig. 6, finishes the payment of real money.Reason credit card company of currency exchange office processes, and collects corresponding service charge.

Described hotel is business parnter's common examples, and same example can be the various business parnters such as amusement park, theme park, service of cars on hire shop.

Practical example 2 is issued the rear payment electric bank-note card of non-contact IC card type by traveller's check.

1. the visitor carries traveller's check to the hotel;

2. the visitor points out the traveller's check after the signature, convertibility point is put down in writing the amount of money according to traveller's check, the described step I 5 of execution graph 3 payment electronic money distribution disposal routes, paying backward business system (1) submits to pre-authorization to obtain notice, rear payment business system (1) is according to step I 6, the electric bank-note card that distribution is activated, described electric bank-note card has the limit of cheque sum;

4. according to the described step of payment electronic money payment method behind Fig. 5, the visitor uses electric bank-note card, in the businessman of joining, utilizes and directly consumes based on the electric bank-note card of local currency;

5. the visitor proposes the clearing requirement when leaving the hotel, and the hotel collects new traveler's check according to the real consumption amount of money, and destroys the traveler's check that step 1 is collected.

Described hotel is business parnter's common examples, and same example can be the various business parnters such as bank.

Described traveler's check can be that paper checks also can be eCheck.

Practical example 3 is paid electric bank-note card by bank cash card (debit card) after the distribution.

1. the visitor carries bank cash card to the hotel (or other business partners);

2. according to the described step of payment electronic money distribution disposal route behind Fig. 3, the hotel utilizes credit card pre-authorization mode, is the pre-authorization of agent application credit card company of rear payment electronic money operator; After rear payment electronic money operator obtains pre-authorization, by placing the card selling apparatus in hotel, submit the electric bank-note card that is activated to, and credit card processes difference and be, object financial institution is not credit card company, but cash account.

4. according to the described step of payment electronic money payment method behind Fig. 5, the visitor uses electric bank-note card, in the businessman of joining, utilizes and directly consumes based on the electric bank-note card of local currency;

5. the visitor proposes the clearing requirement when leaving the hotel, according to the described step of payment electronic money payment method behind Fig. 6, finishes the payment of real money.Different with credit card company is, object financial institution is not credit card company, but cash account.When the visitor uses overseas cash card, can exchange by the foreign currency exchange service of bank.

Described hotel is business parnter's common examples, and same example can be the various business parnters such as amusement park, theme park, service of cars on hire shop.

Rear payment cost pattern

Payment cost and the credit card cost of rear the electronic money of making paper moulds need to compare.

In sum, the present invention has realized that payment cost is not higher than credit card.

By above implementation method, the present invention has realized a kind of travelling payment system and method, realizes visitor's modes of payments method after tourist site uses by this system and method.

More than used specific case that specific embodiments of the invention are described, the explanation of this embodiment just is used for helping to understand method of the present invention and core concept; For one of ordinary skill in the art, according to thought of the present invention, all have in specific embodiments and applications change and change part simultaneously, such as

1. the content of business parnter's contents processing and the processing of rear payment operation system is exchanged;

2. the inching of implementation step order will not have the processing transposing of sequencing;

3. increase or reduce utility appliance;

4. in every way electronic money media, as carrying the portable phone of NFC chip, the methods such as face recognition are replaced contactless IC card on an equal basis

Therefore, this description should not be construed as limitation of the present invention, and all any modifications of doing within the spirit and principles in the present invention, the improvement of replacing on an equal basis, deleting additional step all are included in of the present invention comprising in the scope.

Claims (5)

1. rear payment operation system that is fit to the tourism payment is characterized in that described rear payment operation system and business parnter system, financial institution system pass through network connection.

2. pay afterwards as claimed in claim 1 operation system, it is characterized in that, comprise

(1) payment Operation Server group after,

(2) card selling apparatus

(3) electronic money media,

Described rear payment Operation Server group is characterized in that comprising the application server of processing the WEB requirement and the DB server of preserving management data,

Described card selling apparatus is characterized in that being deployed in the business parnter place of business, by network be connected the payment operation system and connect.

3. server as claimed in claim 2 is characterized in that comprising at least CPU and internal memory.

4. payment electric bank-note card distribution disposal route after a kind is characterized in that comprising at least following steps,

(1) visitor's fiscard of pointing out the financial institution that oneself holds to issue to the business parnter

(2) business parnter is read in the information of fiscard, to the claim request message of pre-authorization of financial institution system,

(3) financial institution returns the pre-authorization result,

(4) business parnter requires the passenger to confirm, the passenger provides affirmation

(5) the business parnter system pays the electronic money business system backward, transmits pre-authorization and successfully notifies text

(6) the payment business system generates new record at server after, and payment electronic money media after the distribution

(7) pay rear payment electronic money media,

The information of the described fiscard of described step (2) comprises an identifier at least, and described pre-authorization request message comprises an identifier and the application amount of money at least

At least comprise the concrete amount of money and identity identification information in the described notice of described step (5).

5. a kind of liquidation method of rear payment electronic money as claimed in claim 4 is characterized in that comprising step

(1) visitor proposes the rear payment electronic money media of holding to business partner, and proposes the clearance requirement;

(2) the business parnter system pays backward the electronic money business system and proposes the requirement of the inquiry amount of money;

(3) payment electronic money business system returns the consumption total charge after, and consumption details;

(4) business parnter system, the prompting content of consumption requires the visitor to confirm;

(5) visitor confirms;

(6) business parnter proposes the payment requirement of amount to financial institution system, and cancels pre-authorization;

(7) financial institution system is processed, and return results;

(8) business parnter points out the notice that the visitor cancels pre-authorization, and provides payment in detail;

(9) financial institution system, payment electronic money business system after the payment, the employed amount of money of visitor.

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