CN103186856A - Bank card payment method of controlling payment amount by card master in anti-tradition mode and corresponding device - Google Patents
Bank card payment method of controlling payment amount by card master in anti-tradition mode and corresponding device Download PDFInfo
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- CN103186856A CN103186856A CN2011104518957A CN201110451895A CN103186856A CN 103186856 A CN103186856 A CN 103186856A CN 2011104518957 A CN2011104518957 A CN 2011104518957A CN 201110451895 A CN201110451895 A CN 201110451895A CN 103186856 A CN103186856 A CN 103186856A
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Abstract
Provided are a bank card payment method of controlling payment amount by a card master in an anti-tradition mode and a corresponding device. The method is used for limiting the amount of funds collected by a commercial tenant from a bank card when the bank card is used for payment. Before a card master uses the bank card, the card master needs to write a payment quota to be paid in the bank card, and then can use the bank card to carry out once card swiping payment operation. In the process of card swiping payment, the payment amount needs to correspond to the payment quota, and the payment can be successful. Compared with a current common bank card payment mode, in the payment process of a common bank card, the payment amount is controlled by a collection tenant, individual dishonest commercial tenant has the chance to swipe the bank card for one more time intentionally under the condition that the card master is not informed, and the condition of trading repeated deductions occurs. The bank card payment method can enable the card master to fully master the control power of the payment amount, the condition of the trading repeated deductions is prevented from occurring, and the safety of a bank card account is guaranteed.
Description
[technical field]
The present invention relates to the financial payment field, particularly relate to a kind of confrontational bank card method of payment and related device by card main control payment.
[background technology]
Present general bank card such as credit card, debit card, block main purchase and consumption when using bank card to pay, when for example having a meal the back checkout to the restaurant, card chief commander credit card is given the restaurant waiter, waiter takes the cash desk gathering of swiping the card with credit card, the back waiter's document of will concluding the business of swiping the card gives card main Signature Confirmation, if wrong payment has been imported in the cash desk, realize that when Signature Confirmation the amount of money is wrong even card is main, because authorize this transaction already at the card center of bank, this payment has been kept accounts to and blocked main credit card account, the formality of transaction need be cancelled in the cash desk, and notifying bank cancels this transaction.Indivedual dishonest trade companies are arranged, to some visitors who comes from afar from the other places, when gathering, once block at the ignorant intentional many brushes down of card master, when order card master receives monthly statement, can realize that just bill makes mistakes, transaction occurs and repeat to withhold, do and much complicated demand formality and could make bank cancel this false transaction.Collection amount when how to limit trade company and swiping the card is the main correct amount of money that allows of card, and being one has problem to be solved.
[summary of the invention]
Purpose of the present invention is to provide a kind of confrontational bank card method of payment and related device by card main control payment, and the collection amount when swiping the card with realization restriction trade company is the application of the main correct amount of money that is allowed of card.
The object of the present invention is achieved like this, adopts a kind of like this method that limits payment, and when being used for bank card and paying, restriction trade company collects the amount of money of fund from bank card, it is characterized in that described method comprises the steps:
A1 card master before payment in advance the chip at bank card the payment limit is set;
A2 gives trade company by the gathering of swiping the card of the POS machine of trade company with bank card;
A3 trade company is in POS machine input payment, and will block the bank card of leading and be put into the POS machine and swipe the card;
A4 POS is machine-readable to be got in the chip of bank card by the main payment limit that arranges of card, check payment do not exceed the payment limit errorless after, the subsequent operation of payment of swiping the card, as check payment and exceed then the do not swipe the card subsequent operation of payment of payment limit.
And, adopt a kind of like this method that limits payment, when being used for bank card and paying, restriction trade company collects the amount of money of fund from bank card, it is characterized in that described method comprises the steps:
B1 card master before payment in advance the chip at bank card the payment limit is set;
B2 gives trade company by the gathering of swiping the card of the POS machine of trade company with bank card;
B3 trade company is in POS machine input payment, and will block the bank card of leading and be put into the POS machine and swipe the card;
B4 POS machine sends payment to the chip of bank card, the chip of bank card check this payment do not exceed errorless by the main payment limit that arranges of card after, allow the POS machine that it is carried out the subsequent operation of the payment of this payment, as check payment and exceed the payment limit and then do not allow the POS machine to its delivery operation of swiping the card.
And, also adopt a kind of like this be used to bank card payment device is set, it is characterized in that, described device includes controller (101), keyboard (102), display screen (103) and card reader (104), wherein, controller (101) is read and write bank card (2) by card reader (104), to pay in the chip that limit writes bank card (2), and, controller (101) is by payment limit and the password of keyboard (102) receiving card primary input, and use this password as the required password of chip of read-write bank card (2), described payment limit is write the chip of bank card (2), and controller (101) shows information by display screen (103) Xiang Kazhu, and described information comprises the payment limit.
In the present invention, described bank card can be to have the credit card of intelligent card chip or have the debit card of intelligent card chip or have the smart card of the Bus Card etc. and so on of intelligent card chip.Chip in the card can store the payment limit and/or be used for the relatively program of payment and payment limit, cooperates of the present inventionly be used to bank card payment device being set and limiting the method for payment, just can realize purpose of the present invention well.
Advantage of the present invention is the control that the card master can full powers grasps payment, can avoid occurring transaction and repeating the situation of withholing.
[description of drawings]
Fig. 1 is of the present invention be used to the image schematic illustration that bank card payment device is set.
Accompanying drawing is schematically, and is of the present invention be used to the principal character that bank card payment device is set in order to illustrate.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is of the present invention be used to the image schematic illustration that bank card payment device is set, being used for shown in Fig. 1 arranges bank card payment device (1) and includes controller (101), keyboard (102), display screen (103) and card reader (104) and battery (105), wherein, controller (101) is read and write bank card (2) by card reader (104), to pay in the chip that limit writes bank card (2), and, controller (101) is by payment limit and the password of keyboard (102) receiving card primary input, and use this password as the required password of chip of read-write bank card (2), described payment limit is write the chip of bank card (2), and, controller (101) shows information by display screen (103) Xiang Kazhu, and described information comprises the payment limit.Before main each its bank card of use of card, will be in advance by above-mentioned being used for bank card payment device being set will pay limit and write in the bank card, just can use this bank card payment operation of once swiping the card then, below with two embodiment relevant payment operation step is described further respectively.
Embodiment one, checks payment and whether exceeds the work of paying limit and realized by the POS machine, comprises the steps:
A1 card master before payment in advance the chip at bank card the payment limit is set;
A2 gives trade company by the gathering of swiping the card of the POS machine of trade company with bank card;
A3 trade company is in POS machine input payment, and will block the bank card of leading and be put into the POS machine and swipe the card;
A4 POS is machine-readable to be got in the chip of bank card by the main payment limit that arranges of card, check payment do not exceed the payment limit errorless after, the subsequent operation of payment of swiping the card, as check payment and exceed then the do not swipe the card subsequent operation of payment of payment limit.
Further improvement of this embodiment is in described steps A 4, and POS is machine-readable to be got in the chip of bank card by after the main payment limit that arranges of card, and the POS machine resets to predetermined dollar value with the payment limit in the chip of bank card.Can guarantee at every turn can only once swipe the card gathering operation of cashier like this, avoid duplicating the situation of withholing of swiping the card.In addition, if described predetermined dollar value is zero, the back card master that at every turn swipes the card must reset the payment of just can swiping the card again of payment limit; If predetermined dollar value is selected other numerical value for use, for example select 100 yuan for use, do not set the payment limit if the back card of swiping the card is main, still can use and carry out 100 yuan with the payment of swiping the card of the interior amount of money, like this can the convenient card master carry out the payment of swiping the card of the little amount of money.
Embodiment two, check payment and whether exceed the work of paying limit and realized by the chip of bank card, comprise the steps:
B1 card master before payment in advance the chip at bank card the payment limit is set;
B2 gives trade company by the gathering of swiping the card of the POS machine of trade company with bank card;
B3 trade company is in POS machine input payment, and will block the bank card of leading and be put into the POS machine and swipe the card;
B4 POS machine sends payment to the chip of bank card, the chip of bank card check this payment do not exceed errorless by the main payment limit that arranges of card after, allow the POS machine that it is carried out the subsequent operation of the payment of this payment, as check payment and exceed the payment limit and then do not allow the POS machine to its delivery operation of swiping the card.
The further improvement of embodiment two is in described step B4, and the chip of bank card will be paid limit automatically and reset to predetermined dollar value after checking the payment that the POS machine sends.Can guarantee at every turn can only once swipe the card gathering operation of cashier like this, avoid duplicating the situation of withholing of swiping the card.In addition, if described predetermined dollar value is zero, the back card master that at every turn swipes the card must reset the payment of just can swiping the card again of payment limit; If predetermined dollar value is selected other numerical value for use, for example select 100 yuan for use, do not set the payment limit if the back card of swiping the card is main, still can carry out 100 yuan with the payment of swiping the card of the interior amount of money, like this can the convenient card master carry out the payment of swiping the card of the little amount of money.
In the present invention, the payment limit can adopt dual mode to realize purpose of the present invention.First kind of mode is that the payment limit adopts an accurate amount of money, just can successfully swipe the card when namely payment must be identical with the payment limit; The second way is the amount of money that the payment limit adopts a scope, as long as when namely payment is between the upper limit of payment limit and the lower limit, just can successfully swipe the card; No matter adopt first kind of mode or the second way, can realize purpose of the present invention well.
In addition, the bank card described in this instructions can be the contact intelligent card that has intelligent card chip, or has the contact type intelligent card of intelligent card chip.Comprise the smart card that all kinds of credits card, debit card etc. be can be used for paying by financial institution's distribution, or all kinds of smart cards for small amount payment, for example the card of Bus Card etc. and so on as long as can store the payment limit in its intelligent card chip, may be used to realize purpose of the present invention.
Below described feature of the present invention in detail, though the present invention is illustrated with the above embodiments, but the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
Confrontational bank card method of payment and related device by card main control payment of the present invention can allow the main full powers of card grasp the control of payment, avoid occurring transaction and repeat the situation of withholing.
Claims (10)
1. method that limits payment, when being used for bank card and paying, restriction trade company collects the amount of money of fund from bank card, it is characterized in that described method comprises the steps:
A1 card master before payment in advance the chip at bank card the payment limit is set;
A2 gives trade company by the gathering of swiping the card of the POS machine of trade company with bank card;
A3 trade company is in POS machine input payment, and will block the bank card of leading and be put into the POS machine and swipe the card;
A4 POS is machine-readable to be got in the chip of bank card by the main payment limit that arranges of card, check payment do not exceed the payment limit errorless after, the subsequent operation of payment of swiping the card, as check payment and exceed then the do not swipe the card subsequent operation of payment of payment limit.
2. the method for restriction payment as claimed in claim 1 is characterized in that, in the described steps A 4, POS is machine-readable to be got in the chip of bank card by after the main payment limit that arranges of card, and the POS machine resets to predetermined dollar value with the payment limit in the chip of bank card.
3. the method for restriction payment as claimed in claim 2 is characterized in that, described predetermined dollar value is zero.
4. the method for restriction payment as claimed in claim 1 or 2 is characterized in that, described bank card is contact intelligent card or contact type intelligent card.
5. method that limits payment, when being used for bank card and paying, restriction trade company collects the amount of money of fund from bank card, it is characterized in that described method comprises the steps:
B1 card master before payment in advance the chip at bank card the payment limit is set;
B2 gives trade company by the gathering of swiping the card of the POS machine of trade company with bank card;
B3 trade company is in POS machine input payment, and will block the bank card of leading and be put into the POS machine and swipe the card;
B4 POS machine sends payment to the chip of bank card, the chip of bank card check this payment do not exceed errorless by the main payment limit that arranges of card after, allow the POS machine that it is carried out the subsequent operation of the payment of this payment, as check payment and exceed the payment limit and then do not allow the POS machine to its delivery operation of swiping the card.
6. the method for restriction payment as claimed in claim 5 is characterized in that, among the described step B4, the chip of bank card will be paid limit automatically and reset to predetermined dollar value after checking the payment that the POS machine sends.
7. the method for restriction payment as claimed in claim 6 is characterized in that, described predetermined dollar value is zero.
8. as the method for claim 5 or 6 described restriction payments, it is characterized in that described bank card is contact intelligent card.
9. as the method for claim 5 or 6 described restriction payments, it is characterized in that described bank card is contact type intelligent card.
10. one kind is used for arranging bank card payment device, it is characterized in that, described device includes controller (101), keyboard (102), display screen (103) and card reader (104), wherein, controller (101) is read and write bank card (2) by card reader (104), to pay in the chip that limit writes bank card (2), and, controller (101) is by payment limit and the password of keyboard (102) receiving card primary input, and use this password as the required password of chip of read-write bank card (2), described payment limit is write the chip of bank card (2), and, controller (101) shows information by display screen (103) Xiang Kazhu, and described information comprises the payment limit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011104518957A CN103186856A (en) | 2011-12-29 | 2011-12-29 | Bank card payment method of controlling payment amount by card master in anti-tradition mode and corresponding device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011104518957A CN103186856A (en) | 2011-12-29 | 2011-12-29 | Bank card payment method of controlling payment amount by card master in anti-tradition mode and corresponding device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103186856A true CN103186856A (en) | 2013-07-03 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2011104518957A Pending CN103186856A (en) | 2011-12-29 | 2011-12-29 | Bank card payment method of controlling payment amount by card master in anti-tradition mode and corresponding device |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2014094638A1 (en) * | 2012-12-20 | 2014-06-26 | 天地融科技股份有限公司 | Smart card and transaction control method for smart card |
| WO2014094639A1 (en) * | 2012-12-20 | 2014-06-26 | 天地融科技股份有限公司 | Smart card and transaction control method for smart card |
| CN105988949A (en) * | 2015-02-15 | 2016-10-05 | 阿里巴巴集团控股有限公司 | Terminal equipment and data interactive processing method and system |
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| CN1696984A (en) * | 2004-05-14 | 2005-11-16 | 魏宗兴 | Method of anti embezzlement for new credit card |
| CN1848184A (en) * | 2005-12-27 | 2006-10-18 | 沈福明 | Bank account quota stop payment system |
| CN101593383A (en) * | 2008-05-26 | 2009-12-02 | 中国移动通信集团公司 | A kind of electronic purse control method, system and SIM card |
| CN101673432A (en) * | 2009-09-22 | 2010-03-17 | 北京握奇数据系统有限公司 | IC card and method for realizing electronic wallet/electronic passbook transaction |
| CN102005088A (en) * | 2010-11-08 | 2011-04-06 | 中国电信股份有限公司 | Non-contact payment method, system and mobile terminal based on electronic wallet |
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2011
- 2011-12-29 CN CN2011104518957A patent/CN103186856A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1696984A (en) * | 2004-05-14 | 2005-11-16 | 魏宗兴 | Method of anti embezzlement for new credit card |
| CN1848184A (en) * | 2005-12-27 | 2006-10-18 | 沈福明 | Bank account quota stop payment system |
| CN101593383A (en) * | 2008-05-26 | 2009-12-02 | 中国移动通信集团公司 | A kind of electronic purse control method, system and SIM card |
| CN101673432A (en) * | 2009-09-22 | 2010-03-17 | 北京握奇数据系统有限公司 | IC card and method for realizing electronic wallet/electronic passbook transaction |
| CN102005088A (en) * | 2010-11-08 | 2011-04-06 | 中国电信股份有限公司 | Non-contact payment method, system and mobile terminal based on electronic wallet |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2014094638A1 (en) * | 2012-12-20 | 2014-06-26 | 天地融科技股份有限公司 | Smart card and transaction control method for smart card |
| WO2014094639A1 (en) * | 2012-12-20 | 2014-06-26 | 天地融科技股份有限公司 | Smart card and transaction control method for smart card |
| CN105988949A (en) * | 2015-02-15 | 2016-10-05 | 阿里巴巴集团控股有限公司 | Terminal equipment and data interactive processing method and system |
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Application publication date: 20130703 |
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