CN103258387A - Method and system for swiping and loading card by bank card - Google Patents
Method and system for swiping and loading card by bank card Download PDFInfo
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- CN103258387A CN103258387A CN2012100340413A CN201210034041A CN103258387A CN 103258387 A CN103258387 A CN 103258387A CN 2012100340413 A CN2012100340413 A CN 2012100340413A CN 201210034041 A CN201210034041 A CN 201210034041A CN 103258387 A CN103258387 A CN 103258387A
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Abstract
The invention relates to a method and a system for swiping and loading a card by a bank card. A POS (point-of-sale) terminal or a self-service terminal is used for sending purchase transaction to realize the function of deducting the amount of the bank card, and is used for sending cash loading transaction with the amount as same as that of purchase transaction to realize the function of loading an IC (integrated circuit) card. The POS terminal or the self-service terminal has the advantages of low cost, wide terminal placement range and convenience in use. The optional bank card can be used for loading the IC card and is wide in support range, and a user can complete card swiping and loading operations in a self-service manner, so that the pressure of a bank counter can be relieved, and manual labor can be decreased.
Description
Technical field
The present invention relates to the finance data process field, relate in particular to use bank card to swipe the card method and system that circle deposits.
Background technology
Along with The development in society and economy and epoch progress, people have more general and urgent demand to using safety, facility, standard, the multiduty means of payment.Electronic cash card in the financial IC card since its have good confidentiality easy to use, safe, have data-handling capacity, characteristic such as long service life, accepted by increasing people and use.In the use of present electronic cash card, cumbersome problem of ubiquity: be difficult to deposit to electronic cash IC-card circle.
At present, financial IC card electronic cash circle has 4 kinds of modes, and all exists certain limitation:
1. carrying out the cash circle by the site deposits: a little carry out the cash circle in cash and deposit by accepting in bank counter or appointment; This mode must have the bank counter personnel on duty, increases the pressure of bank counter, can't embody quick, the convenient characteristic of using of electronic cash;
2. the destiny account circle is deposited transaction: use the destiny account circle of IC-card to deposit transaction, give the electronic cash account from the bank card debit credit bookkeeping family transfer money of destiny account; Support that at present the ATM terminal quantity of this mode is few;
3. non-destiny account circle is deposited transaction: utilize IC-card cash circle to deposit and produce transaction, fund is drawn from bank card pay to IC-card electronic cash account, this pattern regulation produces card and must support " non-destiny account circle is deposited transaction "; Support that at present the ATM terminal quantity of this mode is few, and support this transaction to produce bank quantity few;
4. deposit from moving-coil: when the IC-card initialization, set minimum amount, when the credit card issuer system detects the electronic cash account balance and is lower than this minimum amount, change money to the electronic cash account from the debit account of this card automatically; In this pattern, credit card issuer must be supported " depositing transaction from moving-coil ", and the debit account of this bank card must have the enough amount of money; Support that at present the credit card issuer quantity of this mode is few;
Summary of the invention
In view of the above problems, the object of the present invention is to provide a kind of bank card method and system of depositing of circle of swiping the card that uses, the method that this scheme combines by " traditional consumption transaction+IC-card cash circle is deposited transaction " with bank card, swipe the card by direct bank card the designated amounts circle is deposited assigned I C card, can embody IC-card electronic cash characteristic fast, easily better.
Use bank card of the present invention is swiped the card and is enclosed the method for depositing, and deposits for by bank card IC-card being enclosed, and it is characterized in that this method comprises the steps: successively
(1) use the POS terminal transaction of bank card bankcard consumption to be forwarded to successively the consumer sale forwarding step of hair fastener subsystem via receipts list system, inter-bank switching centre; Or use self-aided terminal the transaction of bank card bankcard consumption to be forwarded to successively the consumer sale forwarding step of hair fastener subsystem via third party's subsystem, receipts list system, inter-bank switching centre;
(2) from the hair fastener subsystem with the consumer sale result successively via inter-bank switching centre, receive the consumer sale result that the list system returns to the POS terminal and return step; Or from the hair fastener subsystem with the consumer sale result successively via inter-bank switching centre, receive the consumer sale result that list system, third party's subsystem return to self-aided terminal and return step;
(3) under the situation of bank card bankcard consumption Transaction Success, the POS terminal is deposited transaction with the cash circle and is deposited transaction and transmit step via receiving cash circle that list system, inter-bank switching centre be forwarded to the hair fastener subsystem successively; Or under the situation of bank card bankcard consumption Transaction Success, self-aided terminal with the cash circle deposit transaction successively via third party's subsystem, receive cash circle that list system, inter-bank switching centre be forwarded to the hair fastener subsystem and deposit transaction and transmit step;
(4) from the hair fastener subsystem will with the cash circle of script deposit transaction results successively via inter-bank switching centre, receive cash circle that the list system returns to the band script of described POS terminal and deposit transaction results and return step; Or from the hair fastener subsystem will with the cash circle of script deposit transaction results successively via inter-bank switching centre, receive cash circle that list system, third party's subsystem return to the band script of described self-aided terminal and deposit transaction results and return step;
(5) POS terminal or self-aided terminal issue step with the script that script is handed down to IC-card;
(6) IC-card is carried out the script execution in step of the script that issues;
(7) result of IC-card script that execution is issued returns to POS terminal or self-aided terminal;
(8) when next on-line transaction or online towards timing or before batch clearing, the POS terminal with the script execution result successively via receiving the forwarding step that list system, inter-bank switching centre are forwarded to the hair fastener subsystem; Or when next on-line transaction or online towards timing or before batch clearing, self-aided terminal with the script execution result successively via third party's subsystem, receive the forwarding step that list system, inter-bank switching centre are forwarded to the hair fastener subsystem.
Preferably, the amount of money of described bank card bankcard consumption transaction and the described cash circle amount of money of depositing transaction is identical.
Preferably, in described script execution result feedback step, if IC-card is carried out the script success that issues, then described POS terminal or described self-aided terminal notice customer transaction success.
Preferably, in described script execution result feedback step, described POS terminal or described self-aided terminal are deposited the transaction response result with consumer sale and cash circle and are printed and notify the holder.
Use bank card of the present invention is swiped the card and is enclosed the system that deposits, deposit for by bank card IC-card being enclosed, it is characterized in that, this system comprises: POS terminal, receipts list system, inter-bank switching centre and hair fastener subsystem, perhaps this system comprises: self-aided terminal, third party's subsystem, receipts list system, inter-bank switching centre and hair fastener subsystem;
Described POS terminal or described self-aided terminal are used for accepting the bankcard consumption of bank card and deposit for IC-card is enclosed under the situation of judging the bankcard consumption Transaction Success,
Described third party's subsystem is connected between described self-aided terminal and the described receipts list system, being used for the consumer sale that will send from described self-aided terminal or cash circle deposits transaction and sends transaction request to described receipts list system, and the transaction response that described receipts list system returns returned to described self-aided terminal
Described receipts list system is connected between inter-bank switching centre and described POS terminal, the described third party's subsystem, being used for the consumer sale that will send from described terminal or cash circle deposits transaction and sends transaction request to described inter-bank switching centre, and the transaction response that described inter-bank switching centre returns returned to described POS terminal, described third party's subsystem
Described inter-bank switching centre is connected between described receipts list system and the described hair fastener subsystem, be used for and deposit transaction to the request of described hair fastener subsystem transmitted transaction from consumer sale and the cash circle of described receipts list system, and the transaction that described hair fastener subsystem is returned response is sent to described receipts list system
Described hair fastener subsystem is used for carrying out the account clearing that bank card bankcard consumption, cash circle are deposited transaction.
Preferably, described inter-bank switching centre comprises that also fund clears the unit automatically, and the funds transfer that is used for consumer sale and cash circle are deposited transaction is to corresponding card sending mechanism and acquirer, the third-party institution.
Preferably, described POS terminal is connected to described receipts list system by the network control access device.
Described self-aided terminal is connected to third party's subsystem by the network control access device.
Preferably, to enclose the amount of money of depositing transaction identical with the amount of money of the bankcard consumption of bank card for described POS terminal or self-aided terminal.
Preferably, receive the list system corresponding to one or more described POS terminal for described one.
Preferably, receive the list system corresponding to one or more described third party's subsystem for described one.
Preferably, described third party's subsystem is corresponding to one or more described self-aided terminal.
Preferably, consumer sale and cash circle that described POS terminal or self-aided terminal send are deposited between the transaction, can number carry out association by the retrieving reference of concluding the business;
Compared with prior art, the present invention has the following advantages:
(1) the present invention only needs credit card issuer to open the cash circle to deposit function and get final product;
(2) the present invention can use any bank card to enclose to IC-card to deposit, and bank card supports that scope is wide;
(3) POS terminal or the self-aided terminal of the present invention's use, cost scope low, that place is wide, easy to use;
(4) user can self-service complete operation.
Description of drawings
Fig. 1 is the swipe the card structured flowchart of the system that deposits of circle of the use bank card of expression first embodiment of the invention.
Fig. 2 is the swipe the card structured flowchart of the system that deposits of circle of the use bank card of expression second embodiment of the invention.
Fig. 3 is the swipe the card process flow diagram of the circle method of depositing of expression use bank card of the present invention.
Embodiment
What introduce below is a plurality of some in may embodiment of the present invention, aims to provide basic understanding of the present invention.Be not intended to confirm key of the present invention or conclusive key element or limit claimed scope.
For making the purpose, technical solutions and advantages of the present invention clearer, the present invention is described in further detail below in conjunction with accompanying drawing.
First embodiment
Fig. 1 is the swipe the card structured flowchart of the system that deposits of circle of the use bank card of expression first embodiment of the invention.
Describe below with reference to the use bank card of the first embodiment of the invention of Fig. 1 system that deposits of circle that swipes the card.
This system comprises as shown in Figure 1: POS terminal 11, receipts list system 12, inter-bank switching centre 13, hair fastener subsystem 14.
When the user deposits transaction at the circle of swiping the card, by POS terminal 11, send consumer sale to receiving list system 12, receive list system 12 consumer sale is transmitted to hair fastener subsystem 14 by inter-bank switching centre 13, hair fastener subsystem 14 returns the consumer sale result and gives inter-bank switching centre 13, inter-bank switching centre 13 transmits the consumer sale result and gives the list system 12 of receiving, and receives the 12 forwarding consumer sale results of list system and gives POS terminal 11.
If consumer sale is Successful Transaction, POS terminal 11 sends the cash circle and deposits transaction to receiving list system 12, receipts list system 12 deposits transaction with the cash circle and is transmitted to hair fastener subsystem 14 by inter-bank switching centre 13, and hair fastener subsystem 14 returns the cash circle of band script and deposits transaction results to inter-bank switching centre 13.The cash circle that inter-bank switching centre 13 transmits the band scripts is deposited transaction results and is given the list system 12 of receiving, and receives cash circle that list system 12 transmits the band scripts and deposits transaction results and give POS terminal 11, and POS terminal 11 is handed down to IC-card with script.For Contact Type Ic Card, insert IC-card by the user and receive the script that issues; For non-contact IC card, by waving the script that the card mode is accepted to issue.
Then, after carrying out script, the result that IC-card will be carried out script returns to POS terminal 11, when next on-line transaction or online towards timing or batch clearing before, POS terminal 11 sends to the list system 12 of receiving with the script execution result, receive list system 12 and again the script execution result is transmitted to inter-bank switching centre 13, then inter-bank switching centre 13 script execution results are transmitted the script execution result and are given hair fastener subsystem 14.Simultaneously, if this script execution result is successful, then POS terminal 11 notice customer consumption circles are saved as merit; As advice method, print the Transaction Success document and be prompted to the user.Here, to deposit the amount of money of transaction identical with the amount of money of the bankcard consumption of bank card for the cash circle that is undertaken by POS terminal 11.
In Fig. 1, a plurality of POS terminals 11 are received list system 12 corresponding to one.
In Fig. 1, receiving list system 12 is connected between inter-bank switching centre 13 and the POS terminal 11, be used for and deposit transaction to inter-bank switching centre 13 transmission transaction request from consumer sale or cash circle that POS terminal 11 is sent, and POS terminal 11 is returned in the transaction response that inter-bank switching centre 13 returns.
Inter-bank switching centre 13 is connected receives between list system 12 and the hair fastener subsystem 14, be used for and deposit transaction to the 14 transmitted transaction requests of hair fastener subsystem from consumer sale and the cash circle of receiving list system 12, and the transaction response that hair fastener subsystem 14 returns is sent to the list system 12 of receiving.Wherein, comprise also in the inter-bank switching centre 13 that fund clears unit (not shown) automatically, this fund is cleared funds transfer that the unit is used for consumer sale and cash circle are deposited transaction automatically to corresponding card sending mechanism and acquirer, the third-party institution.
Can be applicable to all kinds of IC-cards in system of the present invention.General IC-card can be divided into Contact Type Ic Card and non-contact IC card; For Contact Type Ic Card, by inserting the mode of IC-card, realize the mutual of terminal and IC-card; For non-contact IC card, by waving the mode of card, realize the mutual of terminal and IC-card.
Utilize the use bank card of the invention described above one embodiment to swipe the card system that circle deposits, by depositing transaction in conjunction with traditional bankcard consumption transaction and IC-card cash circle, can directly swipe the card by bank card the designated amounts circle is deposited IC-card, thus, can save artificial cost, embody IC-card electronic cash characteristic fast, easily better.
Second embodiment
Describe below with reference to the use bank card of the second embodiment of the invention of Fig. 2 system that deposits of circle that swipes the card.
This system comprises as shown in Figure 2: self-aided terminal 21, third party system 22, receipts list system 23, inter-bank switching centre 24, hair fastener subsystem 24.
When the user deposits transaction at the circle of swiping the card, by self-aided terminal 21 and via third party system 22, send consumer sale to receiving list system 23, receive list system 23 consumer sale is transmitted to hair fastener subsystem 25 by inter-bank switching centre 24, hair fastener subsystem 25 returns the consumer sale result and gives inter-bank switching centre 24, inter-bank switching centre 24 transmits the consumer sale result and gives the list system 23 of receiving, and receipts list system 23 transmits the consumer sale result by third party system 22 and gives self-aided terminal 21.Here, third party system 22 can be the mis system that trade company's side arranges.Can implement the terminal management work of self-aided terminal 21 and key management work etc. as third party system 22.
If consumer sale is Successful Transaction, self-aided terminal 21 sends the cash circle and deposits transaction to third party system 22, be transmitted to the list system 23 of receiving by third party system 22, receipts list system 23 deposits transaction with the cash circle and is transmitted to hair fastener subsystem 25 by inter-bank switching centre 24, and hair fastener subsystem 25 returns the cash circle of band script and deposits transaction results to inter-bank switching centre 24.Inter-bank switching centre 24 transmits the cash circle of band script and deposits transaction results to receiving list system 23, receive the cash circle of list system 23 forwarding band scripts and deposit transaction results to third party system 22, be transmitted to self-aided terminal 21 again by third party system 22, self-aided terminal 21 is handed down to IC-card with script.For Contact Type Ic Card, insert IC-card by the user and receive the script that issues; For non-contact IC card, by waving the script that the card mode is accepted to issue.
Then, after carrying out script, the result that IC-card will be carried out script returns to self-aided terminal 21, when next on-line transaction or online towards timing or before batch clearing, self-aided terminal 21 sends to third party system 22 with the script execution result, be transmitted to the list system 23 of receiving by third party system 22, receive list system 23 and again the script execution result is transmitted to inter-bank switching centre 24, then inter-bank switching centre 24 script execution results are transmitted the script execution result and are given hair fastener subsystem 25.Simultaneously, if this script execution result is successful, then self-aided terminal 21 notice customer consumption circles are saved as merit, as advice method, print the Transaction Success document and are prompted to the user.Here, to deposit the amount of money of transaction identical with the amount of money of the bankcard consumption of bank card for the cash circle that is undertaken by self-aided terminal 21.
In Fig. 2, be expressed as one or more self-aided terminals 21 corresponding to a third party system 22.
In Fig. 2, receive can be corresponding one or more third party system of list system 23 22 for one;
In Fig. 2, receiving list system 23 is connected between inter-bank switching centre 24 and the third party system 21, be used for and deposit transaction to inter-bank switching centre 24 transmission transaction request from self-aided terminal 21 by consumer sale or cash circle that third party system 22 sends, and the transaction response that inter-bank switching centre 24 returns is returned to self-aided terminal 21.
Inter-bank switching centre 24 is connected receives between list system 23 and the hair fastener subsystem 25, be used for and deposit transaction to the 25 transmitted transaction requests of hair fastener subsystem from consumer sale and the cash circle of receiving list system 23, and the transaction response that hair fastener subsystem 25 returns is sent to the list system 23 of receiving.Wherein, comprise also in the inter-bank switching centre 24 that fund clears unit (not shown) automatically, this fund is cleared funds transfer that the unit is used for consumer sale and cash circle are deposited transaction automatically to corresponding card sending mechanism and acquirer, the third-party institution.
With first embodiment in the same manner, can be applicable to all kinds of IC-cards in system of the present invention.General IC-card can be divided into Contact Type Ic Card and non-contact IC card; For Contact Type Ic Card, by inserting the mode of IC-card, realize the mutual of terminal and IC-card; For non-contact IC card, by waving the mode of card, realize the mutual of terminal and IC-card.
Utilize the use bank card of the invention described above second embodiment to swipe the card system that circle deposits, by depositing transaction in conjunction with traditional bankcard consumption transaction and IC-card cash circle, can directly swipe the card by bank card formulation amount of money circle is deposited IC-card, thus, can save artificial cost, embody IC-card electronic cash characteristic fast, easily better.
The use bank card of two embodiments of the present invention system that deposits of circle that swipes the card is illustrated above.Hereinafter with reference to Fig. 1 and Fig. 3 the use bank card of the present invention method that circle deposits of swiping the card is specifically described.
Fig. 3 is the swipe the card process flow diagram of the circle method of depositing of expression use bank card of the present invention.
As shown in Figure 3, in step S101, the user selects " swipe the card and supplement with money " menu, then in step S102, POS terminal or self-aided terminal prompting " please swipe the card " (real is that bankcard consumption is concluded the business), in step S103, after the user finishes and swipes the card, POS terminal or self-aided terminal prompting " please import dealing money ", after the user imports dealing money and affirmation, whether the amount of money transfinites terminal judges, if transfinite, then shows failure information; If do not transfinite, then bank card password is imported in prompting.Here, maximum dollar amount is the maximum dollar amount by the electronic cash account of People's Bank of China's regulation.
Then, in step S104, the user imports bank card password, and after this POS terminal or self-aided terminal send consumer sale to receiving list system or third party's subsystem, and etc. the consumption response message of due-in list system or third party's subsystem; If the consumption response message shows the consumer sale success, then enter step S105.On the other hand, if in step S104, if the consumption response message shows the consumer sale failure, then enter step S108.Prompting Fail Transaction reason in step S108.For example, password bad, remaining sum are not enough etc.
In step S105, POS terminal or self-aided terminal prompting " please being placed on the induction zone IC-card or plug-in card ", the user inserts IC-card or waves card, POS terminal or self-aided terminal are after having read IC-card, send the cash circle and deposit transaction to receiving list system or third party's subsystem, and etc. the cash circle of due-in list system or third party's subsystem deposit the transaction response message; If response message shows the cash circle and deposits Transaction Success, then enters step S106.On the other hand, if in step S105, deposit Fail Transaction if response message shows the cash circle, then enter step S109.In step S109, prompting cash circle is deposited failure cause; Enter consumption then towards positive step S112.
In step S106, POS terminal or self-aided terminal return the cash circle of band script and deposit transaction results to IC-card; IC-card is carried out script, carries out writing operation, and returns to the result of POS terminal or self-aided terminal execution script operation; When next on-line transaction or online towards timing or before batch clearing, POS terminal or self-aided terminal send to the script execution result and receive list system or third party's subsystem.On the other hand, if in step S106, if the script execution result is namely write under the situation of card crash for failure, then enter step S110.In step S110, the card crash reason is write in prompting.After step S110, carry out the cash circle respectively and deposit towards positive step S111, consumption towards positive step S112.For example, if the amount of money that original preparation circle is deposited is 100 yuan, after writing card crash, by step S111 the cash circle is deposited transaction and just dashing and by S112 consumer sale is just being dashed, with the 100 yuan of bank card accounts that refunds is original of withholing.
On the other hand, if the writing operation success then enters step S107, POS terminal or self-aided terminal are printed document.In the document of printing, the transaction retrieving reference that the retrieving reference of consumer sale number and cash circle are deposited number is associated; The retrieving reference that the retrieving reference of consumer sale number+1=cash circle is deposited number.
After step S107 or step S112, enter step S113, i.e. closing the transaction.
Below, below in conjunction with Fig. 1 and Fig. 3, with instantiation the use bank card of the present invention circle method of depositing of swiping the card is described.
Such as: the user need swipe the card to enclose and deposit 100 yuan, then implements following step:
(1) user selects " swipe the card and supplement with money " menu;
(2) POS terminal 11 promptings " please swipe the card ";
(3) user imports 100 yuan of dealing money;
(4) POS terminal 11 prompting input bank card password;
(5) user imports bank card password;
(6) send 100 yuan of consumer sales to give on the POS terminal 11 and receive list system 12;
(7) receive list system 12 or third party's subsystem 22 100 yuan of consumer sales are sent to inter-bank switching centre 13;
(8) inter-bank switching centre 13 sends to hair fastener subsystem 14 with 100 yuan of consumer sales;
(9) hair fastener subsystem 14 returns 100 yuan of consumer sale results and gives inter-bank switching centre 13;
(10) inter-bank switching centre 13 returns 100 yuan of consumer sale results and gives the list system 12 of receiving;
(11) receive list system 12 and return 100 yuan of consumer sale results to POS terminal 11;
(12) POS terminal 11 judges whether 100 yuan of consumption results are successful, if unsuccessful, the prompting transaction is unsuccessful; If the consumer sale success, then POS terminal 11 continues to carry out following steps;
(13) 11 promptings of POS terminal are inserted IC-card or are waved card;
(14) user inserts IC-card or waves card;
(15) after the success of POS terminal 11 Card Readers, send 100 yuan of cash circles and deposit transaction to receiving list system 12;
(16) receipts list system 12 deposits transaction with 100 yuan of cash circles and sends to inter-bank switching centre 13;
(17) inter-bank switching centre deposits transaction with 100 yuan of cash circles and sends to hair fastener subsystem 14;
(18) hair fastener subsystem 14 returns 100 yuan of cash circles being with script and deposits transaction results to inter-bank switching centre 13;
(19) inter-bank switching centre 13 returns 100 yuan of cash circles being with script and deposits transaction results to receiving list system 12;
(20) receipts list system 12 returns 100 yuan of cash circles being with script and deposits transaction results to POS terminal 11;
(21) POS terminal 11 sends to IC-card with script;
(22) IC-card is carried out script, and execution result is returned to POS terminal 11;
(23) when next on-line transaction or online POS terminal 11 sends to the script execution result and receives list system 12 towards timing or before batch clearing, if IC-card is carried out the script success, POS terminal 11 is printed the Transaction Success documents;
(24) receive list system 12 the script execution result is sent to inter-bank switching centre 13;
(25) inter-bank switching centre 13 sends to hair fastener subsystem 14 with the script execution result.
As mentioned above, use bank card according to the present invention is swiped the card and is enclosed the method for depositing, function by being used in combination the amount of money that send consumer sale to realize detaining bank card on POS terminal or the self-aided terminal with use POS terminal or self-aided terminal on send the cash circle identical with the consumer sale amount of money to deposit transaction to realize the function of depositing to IC-card cash circle, only need credit card issuer to open the cash circle and deposit the function of transaction and can realize utilizing bank card to swipe the card IC-card is carried out the cash circle and deposit.Support POS terminal or self-aided terminal that this is professional, have the scope advantage wide, easy to use that cost is low, place; The present invention can use any bank card to enclose to IC-card and deposit, and bank card supports scope wide, and the user can self-servicely finish the above-mentioned circle of swiping the card and deposit operation, has the saving human resources, alleviates the excellent effect of bank counter pressure.
Above example mainly illustrated use bank card of the present invention swipe the card the circle method of depositing and.Although only the some of them embodiments of the present invention are described, those of ordinary skills should understand, and the present invention can be in not departing from its purport and scope implements with many other forms.Therefore, the example of showing and embodiment are regarded as illustrative and not restrictive, and under situation about not breaking away from as the defined spirit of the present invention of appended each claim and scope, the present invention may be contained various modifications and replacement.
Claims (14)
1. one kind is used the bank card circle method of depositing of swiping the card, and it is characterized in that this method comprises the steps: successively
(1) use the POS terminal transaction of bank card bankcard consumption to be forwarded to successively the consumer sale forwarding step of hair fastener subsystem via receipts list system, inter-bank switching centre; Or use self-aided terminal the transaction of bank card bankcard consumption to be forwarded to successively the consumer sale forwarding step of hair fastener subsystem via third party's subsystem, receipts list system, inter-bank switching centre;
(2) from the hair fastener subsystem with the consumer sale result successively via inter-bank switching centre, receive the consumer sale result that the list system returns to the POS terminal and return step; Or from the hair fastener subsystem with the consumer sale result successively via inter-bank switching centre, receive the consumer sale result that list system, third party's subsystem return to self-aided terminal and return step;
(3) under the situation of bank card bankcard consumption Transaction Success, the POS terminal is deposited transaction with the cash circle and is deposited transaction and transmit step via receiving cash circle that list system, inter-bank switching centre be forwarded to the hair fastener subsystem successively; Or under the situation of bank card bankcard consumption Transaction Success, self-aided terminal with the cash circle deposit transaction successively via third party's subsystem, receive cash circle that list system, inter-bank switching centre be forwarded to the hair fastener subsystem and deposit transaction and transmit step;
(4) from the hair fastener subsystem will with the cash circle of script deposit transaction results successively via inter-bank switching centre, receive cash circle that the list system returns to the band script of described POS terminal and deposit transaction results and return step; Or from the hair fastener subsystem will with the cash circle of script deposit transaction results successively via inter-bank switching centre, receive cash circle that list system, third party's subsystem return to the band script of described self-aided terminal and deposit transaction results and return step;
(5) described POS terminal or described self-aided terminal issue step with the script that script is handed down to IC-card;
(6) IC-card is carried out the script execution in step of the script that issues;
(7) result of IC-card script that execution is issued returns to POS terminal or self-aided terminal;
(8) when next on-line transaction or online towards timing or before batch clearing, the POS terminal with the script execution result successively via receiving the forwarding step that list system, inter-bank switching centre are forwarded to the hair fastener subsystem; Or when next on-line transaction or online towards timing or before batch clearing, self-aided terminal with the script execution result successively via third party's subsystem, receive the forwarding step that list system, inter-bank switching centre are forwarded to the hair fastener subsystem.
2. use bank card as claimed in claim 1 is swiped the card and is enclosed the method for depositing, it is characterized in that,
The amount of money of described bank card bankcard consumption transaction is identical with the amount of money that described cash circle is deposited transaction.
3. use bank card as claimed in claim 2 is swiped the card and is enclosed the method for depositing, it is characterized in that,
In described script execution in step, IC-card will be carried out script after the script that execution issues result returns to described POS terminal or described self-aided terminal.
4. use bank card as claimed in claim 3 is swiped the card and is enclosed the method for depositing, it is characterized in that,
After described script execution in step, described POS terminal or described self-aided terminal notice customer transaction result.
5. use bank card as claimed in claim 3 is swiped the card and is enclosed the method for depositing, it is characterized in that,
After described script execution in step, if IC-card is carried out the script success issue, described POS terminal or described self-aided terminal are deposited the transaction response result with consumer sale and cash circle and are printed and notify the holder.
6. use bank card as claimed in claim 3 is swiped the card and is enclosed the method for depositing, it is characterized in that,
When after described script execution in step, also possessing by described POS terminal at next on-line transaction or online towards timing or before batch clearing, the script execution result is sent to the script execution result feedback step of receiving the list system; Or after described script execution in step, also possess by described self-aided terminal, when next on-line transaction or online towards timing or before batch clearing, the script execution result is sent to the script execution result feedback step of receiving the list system by third party's subsystem.
7. use bank card as claimed in claim 6 is swiped the card and is enclosed the method for depositing, it is characterized in that,
In described script execution result feedback step, transaction is received the list system and further the forwarding of script execution result is transmitted to the hair fastener subsystem via inter-bank switching centre; Or in described script execution result feedback step, third party's subsystem is transmitted to the hair fastener subsystem with the script execution result through receipts list system, inter-bank switching centre.
8. one kind is used the bank card system that deposits of circle that swipes the card, it is characterized in that, this system comprises: POS terminal, receipts list system, inter-bank switching centre and hair fastener subsystem, perhaps this system comprises: self-aided terminal, third party's subsystem, receipts list system, inter-bank switching centre and hair fastener subsystem
Described POS terminal or described self-aided terminal are used for accepting the bankcard consumption of bank card and deposit for IC-card is enclosed under the situation of judging the bankcard consumption Transaction Success,
Described third party's subsystem is connected described self-aided terminal and receives between the list system, being used for the consumer sale that will send from described self-aided terminal or cash circle deposits transaction and sends transaction request to described receipts list system, and the transaction response that described receipts list system returns returned to described self-aided terminal
Described receipts list system is connected between inter-bank switching centre and described POS terminal, the described third party's subsystem, being used for the consumer sale that will send from described terminal or cash circle deposits transaction and sends transaction request to described inter-bank switching centre, and the transaction response that described inter-bank switching centre returns returned to described POS terminal, described third party's subsystem
Described inter-bank switching centre is connected between described receipts list system and the described hair fastener subsystem, be used for and deposit transaction to the request of described hair fastener subsystem transmitted transaction from consumer sale and the cash circle of described receipts list system, and the transaction that described hair fastener subsystem is returned response is sent to described receipts list system
Described hair fastener subsystem is used for account clearing that bank card bankcard consumption and cash circle are deposited.
9. use bank card as claimed in claim 8 is swiped the card and is enclosed the system that deposits, it is characterized in that,
Described inter-bank switching centre comprises that also fund clears the unit automatically, and the funds transfer that is used for consumer sale and cash circle are deposited transaction is to corresponding card sending mechanism and acquirer, the third-party institution.
10. use bank card as claimed in claim 8 is swiped the card and is enclosed the system that deposits, it is characterized in that,
Described POS terminal is connected to the list system of receiving by the network control access device,
Described self-aided terminal is connected to third party's subsystem by the network control access device.
The system that circle is deposited 11. use bank card as claimed in claim 8 is swiped the card is characterized in that,
Described POS terminal or self-aided terminal carry out the cash circle, and to deposit the amount of money of transaction identical with the amount of money of the bankcard consumption of bank card.
The system that circle is deposited 12. use bank card as claimed in claim 8 is swiped the card is characterized in that,
Receive the list system corresponding to one or more described POS terminal for described one,
Receive the list system corresponding to one or more described third party's subsystem for described one,
Described third party's subsystem is corresponding to one or more described self-aided terminal.
The system that circle is deposited 13. use bank card as claimed in claim 8 is swiped the card is characterized in that,
Consumer sale and cash circle that described POS terminal or self-aided terminal send are deposited between the transaction, can number carry out association by the retrieving reference of concluding the business.
The system that circle is deposited 14. use bank card as claimed in claim 8 is swiped the card is characterized in that,
Described POS terminal or self-aided terminal the cash circle that sends deposit dash just concluding the business after, need to send the consumption that is associated and dash and just conclude the business.
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| CN201210034041.3A CN103258387B (en) | 2012-02-15 | 2012-02-15 | Method and system for swiping and loading card by bank card |
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| CN201210034041.3A CN103258387B (en) | 2012-02-15 | 2012-02-15 | Method and system for swiping and loading card by bank card |
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| CN103258387B CN103258387B (en) | 2015-07-15 |
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| CN103258387B (en) | 2015-07-15 |
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