CN103310338A - Main-auxiliary bank card payment system and main-auxiliary bank card payment method - Google Patents
Main-auxiliary bank card payment system and main-auxiliary bank card payment method Download PDFInfo
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- CN103310338A CN103310338A CN2013102817370A CN201310281737A CN103310338A CN 103310338 A CN103310338 A CN 103310338A CN 2013102817370 A CN2013102817370 A CN 2013102817370A CN 201310281737 A CN201310281737 A CN 201310281737A CN 103310338 A CN103310338 A CN 103310338A
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Abstract
The invention relates to the field of bank card application and provides a main-auxiliary bank card payment system and a main-auxiliary bank card payment method. The main-auxiliary bank card payment system is simple in structure, convenient to use and capable of effectively managing auxiliary bank card transactions and knowing and controlling auxiliary bank card consumption states in real time, and comprises a bank account management center, a transaction terminal, a short message service center, a mobile communication terminal, a main bank card and more than one auxiliary bank cards, an exclusive transaction service module for the auxiliary bank card to acquire temporary transaction password from the main bank card is arranged on the transaction terminal, the mobile communication terminal and the main bank card are in bound connection, the main bank card directly completes transactions through the transaction terminal, the auxiliary bank card completes transactions through the exclusive transaction service module of the transaction terminal, and the exclusive transaction service module acquires the temporary transaction password from the mobile communication terminal bound with the main bank card through the bank account management center and the short message service center to complete the transactions of the auxiliary bank card.
Description
Technical field
The present invention relates to the bank card application, particularly a kind of major-minor bank card paying system and method.
Background technology
Bank card be commercial bank to social public publication, have all or part of functions such as consumer credit, the transfer and settlement of accounts, access cash.It can substitute cash receipts and payments as the instrument of clearing payments in commodity transaction, exempted many difficulties and the burden of aspects such as carrying, recognize, check, take care of at cash, brings convenience to both parties.Can freely cash again simultaneously, not be subjected to the restriction of any circulation aspect, therefore be widely used.Development along with society, the consumption mode that the major-minor bank card occurred, be to be respectively equipped with a main bank card (abbreviation main card) and more than one secondary bank card (abbreviation vice card) under the same account, main bank card and each secondary bank card all can freely use consumption, bring convenience to people's use, as being used for enterprise, an enterprise uses an account, this account has a main card and an above vice card, main card is controlled by finance, vice card then can need the employee on business trip maybe to need away the uses such as procurement staff of payment to enterprise, thereby so that employee on business trip or procurement staff need not finance over there in advance the borrow buckets of cash as travel expenses or buying expense, avoided simultaneously when having unexpected situation to occur, the situation such as use short of money occurred.And for example be used for family, the public account of one family, main card is controlled by the family adult, child in the other places reading holds vice card, child can hold voluntarily vice card and consume, be used for direct enchashment gold or payment consumption, so that large people need not regularly to remit money to child, bring convenience to people's use, but there is the phenomenon that payment can't management and control in the consumption mode of major-minor bank card, China Patent No.: 201110089171.2, a kind of bank card transaction system based on the SMS platform real-time interaction and method are disclosed, described system comprises mobile communication terminal, transaction terminal, short message service center and bank account administrative center also further comprise the master, secondary bank card, bank account administrative center front end processor, short message service center front end processor and related information database.Described method is the differentiated treatment by various different transaction terminals such as account classification and POS machine, ATM, bank counter machine, online PC, so that when concluding the business under the one-level account, only need swipe the card gets final product; When concluding the business under the secondary account, when swiping the card, also need to input account password; When concluding the business under three grades of accounts, swiping the card, also needing a note verification process in the time of the input account password.Thereby the very big convenience of the daily small amount payment of bank card and the reliable and secure property of wholesale and online transaction have been realized.But there is the complicated real-time intact management and control of carrying out that can't realize simultaneously the vice card use of system architecture in this kind mode, when being used for enterprise, may there be the situation of afterwards making a false report when reporting defrayment again after the employee can independently use vice card to consume according to licencing key, can't understand in real time and manage the vice card consumption information, and to being used for the major-minor bank card consumption pattern of family, the adult can't understand and managing children withdraw the money time and the amount of withdrawing the money in real time, can't make effective restriction to child's consumption, even if use amount to limit to vice card, but when still accessing to your password, child independently withdraws the money, if take early and limit per month amount, just be finished the middle of the month, then make up reason and charge to family, thereby so that child's consumption can't effectively control.
Summary of the invention
Therefore, for above-mentioned problem, the present invention propose a kind of simple in structure, easy to use, can effectively manage secondary bank card business dealing, in real time understand major-minor bank card paying system and the method for the secondary bank card consumption state of control.
For solving this technical matters, the present invention takes following scheme: a kind of major-minor bank card method of payment, and the method may further comprise the steps:
(1), by transaction terminal by swiping the card or submitting to the mode of card number to send transaction request information to bank account administrative center;
(2), judge that by bank account administrative center the bank card of requests transaction is main bank card or secondary bank card, if main bank card is then directly inputted account password and continued to finish transaction, if secondary bank card then enters next step (3);
(3), give the vice card payment authorization number of secondary bank card at the main bank card of transaction terminal input, transaction terminal judges by bank account administrative center whether the vice card payment authorization of input is number effective, if effectively then enter next step (4), if invalid then transaction terminal is pointed out failure information and returned input vice card payment authorization interface;
(4), submit the Transaction Information checking to by transaction terminal, be about to Transaction Information that secondary bank card submits to and random cipher are sent to main bank card binding by short message service center by bank account administrative center mobile communication terminal, main bank card user judges whether to agree transaction after checking Transaction Information, if agree then to enter next step (5), if disagree with, then enter next step (6);
(5), main bank card user replys to bank account administrative center by the random cipher in the short message service center forwarding step (4) and account password and confirms, replys transaction terminal by checking, then Transaction Success after bank account administrative center confirms;
(6), main bank card user sends by short message service center and disagrees with to bank account administrative center or a specified time and do not reply, then authentication failed is assert by bank account administrative center, reply the transaction terminal authentication failed, transaction terminal prompting failure information also returns and submits Transaction Information checking interface to.
Further, transaction terminal is provided with the misjudgment times N in the described step (3), and N is natural number, surpasses N time if judge vice card payment authorization number invalid number of times, and then transaction terminal automatically locks this bank card, closes the trade.
Further, transaction terminal is provided with Transaction Information authentication error times N in the described step (6), and N is natural number, surpasses N time if Transaction Information is verified invalid number of times, and then transaction terminal automatically locks this bank card, closes the trade.
Further, described transaction terminal is a kind of in the various tool terminals of realizing electronic transaction of POS machine, ATM, bank counter machine, online PC.
Further, the mobile communication terminal in the described step (4) is mobile phone.
A kind of major-minor bank card paying system comprises bank account administrative center, transaction terminal, short message service center, mobile communication terminal, main bank card and secondary bank card more than, wherein:
Bank account administrative center is used for the store and management bank account information and carries out bank account going out to keep accounts, freeze, start associative operation;
Transaction terminal comprises POS machine, ATM, bank counter machine, the online various tool terminals of realizing electronic transaction of PC, is used for swiping the card when carrying out electronic transaction or submitting card number to;
Short message service center is used for the interactive information between storage forwarding bank account administrative center and the mobile communication terminal;
Mobile communication terminal is used for the information interaction between realization user and the bank account administrative center;
Main bank card, realize with transaction terminal carry out electronic transaction, with the information interaction function of bank account administrative center and the bank card card that the secondary bank card of associated binding is authorized;
Secondary bank card, the authentication foundation when being used for swiping the card transaction has the bank card card of bank account information take magnetic stripe as information carrier;
Described transaction terminal is provided with secondary bank card obtains exclusive transactional services module from the occasional trade password to main bank card, described mobile communication terminal is connected with main bank card binding, described main bank card is finished transaction by transaction terminal, described secondary bank card is finished transaction by the exclusive transactional services module of transaction terminal, and described exclusive transactional services module is obtained transaction that occasional trade password finish secondary bank card by short message service center to the mobile communication terminal with main bank card binding through bank account administrative center.
Further, described mobile communication terminal is mobile phone.
By adopting the aforementioned techniques scheme, the invention has the beneficial effects as follows: exclusive transactional services module from transaction terminal to main bank card that obtain the occasional trade password by be provided with secondary bank card at, so that secondary bank card needs just can finish transaction by exclusive transactional services module, be that exclusive transactional services module is obtained transaction that occasional trade password finish secondary bank card by short message service center to the mobile communication terminal with main bank card binding through bank account administrative center, so that can effectively manage secondary bank card business dealing, understand in real time the secondary bank card consumption state of control, when being used for enterprise, could obtain interim password authorization after the employee uses vice card to report in real time and carry out consumer sale, may there be the situation of afterwards making a false report when having avoided reporting defrayment more afterwards, understand in real time and management vice card consumption information, and to being used for the major-minor bank card consumption pattern of family, the adult can understand and managing children withdraw the money time and the amount of withdrawing the money in real time, can make effective restriction to child's consumption, and need not to limit by the use amount to vice card, child can not access to your password and independently withdraw the money simultaneously, thereby so that child's consumption is effectively controlled, of the present invention simple in structure, easy to use, be a kind of rational way to manage money, but penetration and promotion is used.
Description of drawings
Fig. 1 is the method for payment FB(flow block) of the embodiment of the invention;
Fig. 2 is the system principle diagram of the embodiment of the invention.
Embodiment
Now the present invention is further described with embodiment by reference to the accompanying drawings.
With reference to figure 1, a kind of major-minor bank card method of payment of the present invention, the method may further comprise the steps:
(1), by transaction terminal by swiping the card or submitting to the mode of card number to send transaction request information to bank account administrative center;
(2), judge that by bank account administrative center the bank card of requests transaction is main bank card or secondary bank card, if main bank card is then directly inputted account password and continued to finish transaction, if secondary bank card then enters next step (3);
(3), give the vice card payment authorization number of secondary bank card at the main bank card of transaction terminal input, transaction terminal judges by bank account administrative center whether the vice card payment authorization of input is number effective, if effectively then enter next step (4), if invalid then transaction terminal is pointed out failure information and returned input vice card payment authorization interface;
(4), submit the Transaction Information checking to by transaction terminal, be about to Transaction Information that secondary bank card submits to and random cipher are sent to main bank card binding by short message service center by bank account administrative center mobile communication terminal, main bank card user judges whether to agree transaction after checking Transaction Information, if agree then to enter next step (5), if disagree with, then enter next step (6);
(5), main bank card user replys to bank account administrative center by the random cipher in the short message service center forwarding step (4) and account password and confirms, replys transaction terminal by checking, then Transaction Success after bank account administrative center confirms;
(6), main bank card user sends by short message service center and disagrees with to bank account administrative center or a specified time and do not reply, then authentication failed is assert by bank account administrative center, reply the transaction terminal authentication failed, transaction terminal prompting failure information also returns and submits Transaction Information checking interface to.
Transaction terminal is provided with the misjudgment times N in the described step (3), and N is natural number, surpasses N time if judge vice card payment authorization number invalid number of times, and then transaction terminal automatically locks this bank card, closes the trade.
Transaction terminal is provided with Transaction Information authentication error times N in the described step (6), and N is natural number, surpasses N time if Transaction Information is verified invalid number of times, and then transaction terminal automatically locks this bank card, closes the trade.
With reference to figure 2, a kind of major-minor bank card paying system of realizing said method comprises in the bank account management, 1, transaction terminal 2, short message service center 3, mobile communication terminal 4, main bank card 5 and a secondary bank card 6, wherein:
Bank account administrative center 1 is used for the store and management bank account information and carries out bank account going out to keep accounts, freeze, start associative operation;
Short message service center 3 is used for the interactive information between storage forwarding bank account administrative center 1 and the mobile communication terminal 4;
Mobile communication terminal 4 is used for the information interaction between realization user and the bank account administrative center 1;
Described transaction terminal 2 is provided with secondary bank card 6 obtains exclusive transactional services module from the occasional trade password to main bank card 5, described mobile communication terminal 4 is connected with main bank card 5 bindings, described main bank card 5 is directly finished transaction by transaction terminal 2, described secondary bank card 6 is finished transaction by the exclusive transactional services module of transaction terminal 2, and described exclusive transactional services module is obtained transaction that occasional trade password finish secondary bank card 6 by short message service center 3 to the mobile communication terminal 4 with main bank card 5 bindings through bank account administrative center 1.
Transaction terminal is a kind of in the various tool terminals of realizing electronic transaction of POS machine, ATM, bank counter machine, online PC among the present invention, and mobile communication terminal is mobile phone or other meanss of communication, and secondary bank card can arrange many according to user's request.
The present invention obtains the exclusive transactional services module of occasional trade password to main bank card by be provided with secondary bank card at transaction terminal, so that secondary bank card needs just can finish transaction by exclusive transactional services module, be that exclusive transactional services module is obtained transaction that occasional trade password finish secondary bank card by short message service center to the mobile communication terminal with main bank card binding through bank account administrative center, so that can effectively manage secondary bank card business dealing, understand in real time the secondary bank card consumption state of control, when being used for enterprise, could obtain interim password authorization after the employee uses vice card to report in real time and carry out consumer sale, may there be the situation of afterwards making a false report when having avoided reporting defrayment more afterwards, understand in real time and management vice card consumption information, and to being used for the major-minor bank card consumption pattern of family, the adult can understand and managing children withdraw the money time and the amount of withdrawing the money in real time, can make effective restriction to child's consumption, and need not to limit by the use amount to vice card, child can not access to your password and independently withdraw the money simultaneously, thereby so that child's consumption is effectively controlled, of the present invention simple in structure, easy to use, be a kind of rational way to manage money, but penetration and promotion is used.
Although specifically show and introduced the present invention in conjunction with preferred embodiment; but the those skilled in the art should be understood that; within not breaking away from the spirit and scope of the present invention that appended claims limits; can make a variety of changes the present invention in the form and details, be protection scope of the present invention.
Claims (7)
1. major-minor bank card method of payment, it is characterized in that: the method may further comprise the steps:
(1), by transaction terminal by swiping the card or submitting to the mode of card number to send transaction request information to bank account administrative center;
(2), judge that by bank account administrative center the bank card of requests transaction is main bank card or secondary bank card, if main bank card is then directly inputted account password and continued to finish transaction, if secondary bank card then enters next step (3);
(3), give the vice card payment authorization number of secondary bank card at the main bank card of transaction terminal input, transaction terminal judges by bank account administrative center whether the vice card payment authorization of input is number effective, if effectively then enter next step (4), if invalid then transaction terminal is pointed out failure information and returned input vice card payment authorization interface;
(4), submit the Transaction Information checking to by transaction terminal, be about to Transaction Information that secondary bank card submits to and random cipher are sent to main bank card binding by short message service center by bank account administrative center mobile communication terminal, main bank card user judges whether to agree transaction after checking Transaction Information, if agree then to enter next step (5), if disagree with, then enter next step (6);
(5), main bank card user replys to bank account administrative center by the random cipher in the short message service center forwarding step (4) and account password and confirms, replys transaction terminal by checking, then Transaction Success after bank account administrative center confirms;
(6), main bank card user sends by short message service center and disagrees with to bank account administrative center or a specified time and do not reply, then authentication failed is assert by bank account administrative center, reply the transaction terminal authentication failed, transaction terminal prompting failure information also returns and submits Transaction Information checking interface to.
2. a kind of major-minor bank card method of payment according to claim 1, it is characterized in that: transaction terminal is provided with the misjudgment times N in the described step (3), N is natural number, if judge that vice card payment authorization number invalid number of times is above N time, then transaction terminal automatically locks this bank card, closes the trade.
3. a kind of major-minor bank card method of payment according to claim 1, it is characterized in that: transaction terminal is provided with Transaction Information authentication error times N in the described step (6), N is natural number, if Transaction Information verifies that invalid number of times is above N time, then transaction terminal automatically locks this bank card, closes the trade.
4. a kind of major-minor bank card method of payment according to claim 1 is characterized in that: described transaction terminal is a kind of in the various tool terminals of realizing electronic transaction of POS machine, ATM, bank counter machine, online PC.
5. a kind of major-minor bank card method of payment according to claim 1, it is characterized in that: the mobile communication terminal in the described step (4) is mobile phone.
6. major-minor bank card paying system comprises bank account administrative center, transaction terminal, short message service center, mobile communication terminal, main bank card and secondary bank card more than, wherein:
Bank account administrative center is used for the store and management bank account information and carries out bank account going out to keep accounts, freeze, start associative operation;
Transaction terminal comprises POS machine, ATM, bank counter machine, the online various tool terminals of realizing electronic transaction of PC, is used for swiping the card when carrying out electronic transaction or submitting card number to;
Short message service center is used for the interactive information between storage forwarding bank account administrative center and the mobile communication terminal;
Mobile communication terminal is used for the information interaction between realization user and the bank account administrative center;
Main bank card, realize with transaction terminal carry out electronic transaction, with the information interaction function of bank account administrative center and the bank card card that the secondary bank card of associated binding is authorized;
Secondary bank card, the authentication foundation when being used for swiping the card transaction has the bank card card of bank account information take magnetic stripe as information carrier;
It is characterized in that: described transaction terminal is provided with secondary bank card obtains exclusive transactional services module from the occasional trade password to main bank card, described mobile communication terminal is connected with main bank card binding, described main bank card is finished transaction by transaction terminal, described secondary bank card is finished transaction by the exclusive transactional services module of transaction terminal, and described exclusive transactional services module is obtained transaction that occasional trade password finish secondary bank card by short message service center to the mobile communication terminal with main bank card binding through bank account administrative center.
7. a kind of major-minor bank card paying system according to claim 6, it is characterized in that: described mobile communication terminal is mobile phone.
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| CN106127889A (en) * | 2016-06-18 | 2016-11-16 | 任明和 | Communicating branch based on mobile terminal pays identity safety certification method |
| CN106327177A (en) * | 2016-08-12 | 2017-01-11 | 北京东方车云信息技术有限公司 | Account resource sharing method and system |
| CN106855812A (en) * | 2015-12-08 | 2017-06-16 | 北京三星通信技术研究有限公司 | The method and apparatus for configuring user terminal |
| CN107038580A (en) * | 2016-11-16 | 2017-08-11 | 辽宁科技大学 | A kind of bank transaction system |
| CN107247979A (en) * | 2017-06-19 | 2017-10-13 | 安徽爱普科技有限公司 | A kind of library book system available for home education |
| CN107862522A (en) * | 2017-11-17 | 2018-03-30 | 阿里巴巴集团控股有限公司 | Account information management method and device |
| CN108389053A (en) * | 2018-03-19 | 2018-08-10 | 广州逗号智能零售有限公司 | Method of payment, device, electronic equipment and readable storage medium storing program for executing |
| CN109034774A (en) * | 2018-08-17 | 2018-12-18 | 苏州商信宝信息科技有限公司 | A kind of household consumption management system based on mobile payment |
| CN109219826A (en) * | 2017-10-19 | 2019-01-15 | 钟杰东 | A kind of management method of the attached account number of e-payment |
| CN112862496A (en) * | 2021-03-30 | 2021-05-28 | 中国工商银行股份有限公司 | Real-time authorized payment method and device |
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| CN109034774A (en) * | 2018-08-17 | 2018-12-18 | 苏州商信宝信息科技有限公司 | A kind of household consumption management system based on mobile payment |
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