Summary of the invention
In view of this, the technical problem to be solved in the present invention is to provide one and pre-records easily and efficiently into account bank card, Data Enter device and using method.
For solving the problems of the technologies described above, technical scheme provided by the invention is: one is pre-recorded into account bank card, store some groups of alternative advance deposit accounts informations, and built-in identifier is pre-recorded into the service code of account bank card character and the identification code of security, support deposit and verification function.
Another preferred version, the account transfer function that prestores is set up on the basis being included in existing bank card, stores some groups of alternative accounts informations of transferring accounts in advance.
Described to pre-record into account bank card original cards be two kinds, and the first refers to the blank bank card medium of non-typing depositor data or general magnetic stripe blank card, and the data of its typing is the account number of payee.It can only be used for omitting the artificial account number inputting payee, can not carry out transferring accounts and withdrawing deposit.The second refers to the two medium composite card of existing chip+magnetic stripe, its chip record has the Account Profile of card owner, it is while having the functions such as drawing, account transfer, on its magnetic stripe, another record has the account number of conventional payee, account can be extracted by automatic teller machine magnetic stripe reader, saves the step of artificial input payee account number.
Comprise the two medium composite card of IC-card or magnetic stripe card or magnetic stripe+IC.
IC media storage in the two medium composite card of described magnetic stripe+IC has the information of ard issuers, the information of holder and card number, and magnetic strip medium stores payee account information.
Described IC-card is single-chip IC-card, has payee's account.
A kind of to the Data Enter device carrying out Data Enter into account bank card of pre-recording described above, comprise the master controller carrying out information interaction by communication module and banking system and the keyboard, display screen and the read write line that are connected with master controller, Data Enter for account bank card of user being pre-recorded is pre-recorded into account bank card, and can revise, deletes or edit the information of pre-recording on account bank card.
Pre-record described above into a using method for account bank card, comprise the steps:
S1. will pre-record and insert automatic teller machine into account bank card, automatic teller machine automatically identify this card be spot assets business pre-record into account bank card, the operating system of automatic teller machine is extracted and is pre-recorded into the account of account bank card and service code, and sends to bank's master processor;
S2. bank's master processor sends to bank of deposit processor the information whether the verification account is active account, if the account is effective, bank's master processor returns account effective information to automatic teller machine, show the number of this active account and latter two Chinese character of account name on a display screen, user enters next step after confirming again simultaneously; If the account is invalid, bank's master processor returns account invalid information to automatic teller machine, display cause of invalidity, and exits and pre-record into account bank card.
S3. when account bank card of pre-recording only has one stored in account time, teller machine (ATM) system directly enters step S4; When account bank card of pre-recording has more than one stored in account time, deposit interface shows latter two Chinese character of pre-recording into account and householder's name through investigating as active account, depositor selects to confirm stored in account by the display screen of automatic teller machine, and then enters step S4
S4. automatic teller machine starts deposit procedure and opens deposit interface, display screen display institute will stored in account and name, now deposit slot is opened, whether detect user stored in cash, and press acknowledgement key, if then enter counting program, by stored in account and stored in information of number show in display screen, and enter next step; Otherwise send prompting user after the delay adjustments time and put into cash;
Whether S5. detect user confirms stored in account with stored in information of number, if then bank of deposit's processor will be sent to stored in account with stored in information of number, bank of deposit's processor receive stored in account and stored in verify after information of number and pass through deposit, success stored in account and show in the display screen of automatic teller machine stored in number;
S6. again detect user and whether carry out any operation, if then carry out corresponding operation steps, otherwise delay adjustments time backed off after random is pre-recorded into account bank card.
Preferably, described step S1 also comprises pre-recording and inserts automatic teller machine into account bank card, this card of automatic teller machine identification be spot assets business pre-record set up into account bank card or existing bank card the account transfer business that prestores pre-record into account bank card; If pre-recording into account bank card of spot assets business, then enter step S2, if existing bank card set up the account transfer business that prestores pre-record into account bank card, then carry out the following step:
S1-1. the main password of automatic teller machine display screen display reminding input card, and detect user after time delay certain hour and whether input password, be that then whether authentication password is correct, password correctly then enters next step, incorrect, sends and points out and exit card; Otherwise time delay certain hour retreats card release;
S1-2. automatic teller machine display screen display service selection menu, except the service menu that existing bank card has, also set up presetting account transfer business and presetting account spot assets business, user selects to enter step S1-3 during presetting transferred account service, when user selects presetting account spot assets business, enter step S3;
S1-3. automatic teller machine start to read pre-record have in account bank card be prestored into accounts information, and show on a display screen, user selects to press acknowledgement key stored in after account, the prompting of display screen display input transfer amounts, user, by the input through keyboard transfer amounts of automatic teller machine, presses acknowledgement key after complete operation, if this card account of user has enough deposits, be show and transfer accounts successfully, otherwise show the prompting that Sorry, your ticket has not enough value;
S1-4. after completing transaction, there is the prompting of whether continuous business in display screen, if user also needs to continue and other account on card is concluded the business, then presses acknowledgement key and enter step S1-3, if user does not need continuous business, then can press ESC Escape and exit and pre-record into account bank card.
Also comprise householder's account binding function, by binding householder account, can directly by account bank card of pre-recording by cash stored in householder's account.
A kind of using method of Data Enter device described above, account bank card of pre-recording is inserted in the read write line of Data Enter device, accounts information is prestored into and/or accounts information of transferring accounts in advance by keyboard typing, and review and validate input information by display screen, confirm errorless after, complete Data Enter, take out and pre-record into account bank card.
Compared with prior art, tool of the present invention has the following advantages:
The invention provides one pre-records into account bank card, Data Enter device and using method thereof, when making bank-user carry out deposit business or transferred account service on automatic teller machine, manually need not input and reach 19 bit digital account numbers, shorten the time of deposit and operation of transferring accounts widely, simultaneously, reduce the chance that user operation makes mistakes, thus alleviate the queuing phenomena before automatic teller machine, while improve the work efficiency of bank, also can be bank and bring new service income, this card is also school, administrative unit, revenue department, the payment work of enterprises and institutions provides a new with no paper payment pattern, environmental protection is reliable again in the development of adaptation fast pace society.
Embodiment
The present invention to be explained in further detail below in conjunction with accompanying drawing and embodiment for the ease of it will be appreciated by those skilled in the art that.
One is pre-recorded into account bank card, Data Enter device and using method, forms an automatic deposit system simply and easily, make user carry out depositing or transferred account service time account without the need to manually inputting 19, carry out quickly and easily depositing or transferred account service; Only need to carry out improvement upgrading to teller machine services's system of bank, service system is deposited without bankbook to without card, increase by one by pre-recording into account bank card replacement artificial input payee account number function, skip without the subprogram of card without bankbook deposit, directly enter and deposit paper money interface, or to prestore account transfer business and to prestore fund account business in original bank card system increase, meanwhile, simplify part operation program.
Wherein this is pre-recorded and adopts IC-card or magnetic stripe card or the two medium composite card of magnetic stripe+IC into account bank card, built-in service code, this is pre-recorded and comprises two types into account bank card, and by this card of service code identifiable design for pre-recording into the type of account bank card, wherein a kind ofly pre-record into account bank card for what only there is spot assets business, there is no the drawing that ordinary bank blocks, the authorities such as account transfer, compared with existing bank card, this is pre-recorded and to have money on deposit or transfer account information into account bank card internal memory, this card is for pre-recording into account bank card and investigating whether affiliated account is active account to have verification function namely to identify, but do not withdraw deposit, transfer accounts and query function.
Another kind of pre-record into account bank card for what set up the account transfer business that prestores on the basis of existing bank card, store some groups of selective accounts informations of transferring accounts in advance; Described service code can write in advance before hair fastener, also can the mandatory write when typing depositor data, but this code is once be written into, and can not arbitrarily revise.Consider safety problem, often opening pre-records all has an identification code into account bank card.
It is two kinds that its original cards of payee's account number bank card people source is commonly used in pre-typing, the first is blank bank card or general magnetic stripe, the chip blank card of non-typing depositor data, by account number and other data of input device typing payee, it can be extracted by automatic teller machine card reader thus omit the account number step of artificial input payee, can not carry out transferring accounts and withdrawing deposit.Bank business point can provide this blank bank card with compensation and provide for the conventional gathering account number of typing.The second is the two medium bank card of chip+magnetic stripe utilizing user to hold on hand, its chip record has the Account Profile of card owner, it is while the complete function such as drawing, account transfer having ordinary bank's card, on its magnetic stripe, another record has the account number of conventional payee, account can be extracted by automatic teller machine and smart terminal card reader, saves the step of artificial input payee account number.The information that user can be had magnetic stripe voluntarily by input device is deleted, typing editor.Bank business point also can when issuing two medium bank card, under the requirement of user, in the magnetic strip medium of payee's account number typing blank that user is commonly used.
As shown in Figure 1, a kind of to the Data Enter device carrying out Data Enter into account bank card of pre-recording, comprise the master controller being carried out information interaction by communication module and banking system, and connect and be controlled by the keyboard of master controller, touch display screen and read write line, for pre-recording user's deposit or Data Enter when transferring accounts into account bank card, and can revise, delete or edit the information of pre-recording on account bank card.Can in the agency of bank, this Data Enter device of multiple stage is set, this card can independently typing or deposit required data on behalf of typing user by bank clerk, user will stored in account, payee name, payee unit, depositor's name and unit by this Data Enter device, stored in the amount of money etc., and show from touch display screen, and do not limit inter-bank deposit.
User by input through keyboard stored in account, payee name, payee unit, depositor's name and unit, stored in information such as the amount of money, keyboard by these information transmission to master controller, master controller sends to banking system by communication module after processing information, banking system investigates this entry information of rear storage to input information, and feed back to master controller by communication module, above-mentioned Data Enter is inserted in the two medium composite card of IC-card in read write line or magnetic stripe card or magnetic stripe+IC by master controller, and is shown in display screen by successful entry information.
As shown in Fig. 2,3,4,5, a kind of using method of pre-recording into account bank card and Data Enter device, comprise Data Enter and deposit step, by Data Enter device, depositor and payee information typing are pre-recorded into account bank card, after entry information pre-record into account bank card by automatic teller machine or bank service sales counter complete deposit or transferred account service.
Wherein, the using method of Data Enter device will be for pre-recording into account bank card insertion Data Enter device, thus the read write line of link information input device, by keyboard typing stored in or proceed to the information of account, and review and validate input information by touch display screen, confirm errorless after press acknowledgement key, complete Data Enter, taking-up pre-record into account bank card;
The using method of wherein pre-recording into account bank card comprises the steps:
S1. will pre-record and insert automatic teller machine into account bank card, this card of automatic teller machine identification be spot assets business pre-record set up into account bank card A or existing bank card the account transfer business that prestores pre-record into account bank card B; If spot assets business pre-record into account bank card, then the operating system of automatic teller machine is extracted by card reader and is pre-recorded into the account of account bank card and service code, and enter step S2 after sending to bank's master processor, if existing bank card sets up pre-recording into account bank card of pre-transferred account service, then enter step S1-1;
S2. the pertinent modules of bank's master processor starts and sends to bank of deposit processor the information whether the verification account is active account, if the account is effective, bank's master processor returns account effective information to automatic teller machine, show the number of this active account and latter two Chinese character of account name on a display screen, user enters next step after confirming again simultaneously; If the account is invalid, bank's master processor returns account invalid information to automatic teller machine, display cause of invalidity, and exits and pre-record into account bank card.
S3. when account bank card of pre-recording only has one stored in account time, teller machine (ATM) system directly enters step S4; When account bank card of pre-recording has more than one stored in account time, deposit interface shows latter two Chinese character of pre-recording into account and householder's name through investigating as active account, depositor selects to confirm stored in account by the display screen of automatic teller machine, and then enters step S4
S4. automatic teller machine starts deposit procedure and opens deposit interface, and display is stored in account and name, now deposits paper money mouth and opens, whether detect user stored in cash, and press acknowledgement key, if then enter counting program, to show in display screen stored in account with stored in information of number, and enter step S5; Otherwise time delay sends prompting user and puts into cash after 15 seconds;
Whether S5. detect user confirms stored in account with stored in information of number, if then bank of deposit's processor will be sent to stored in account with stored in information of number, bank of deposit's processor receive stored in account and stored in verify after information of number and pass through deposit, success stored in account and show in the display screen of automatic teller machine stored in number; Otherwise time delay sent prompting after 15 seconds.
S6. again detect user and whether carry out any operation, if then carry out corresponding operation steps, otherwise time delay spues after 15 seconds and pre-records into account bank card.
S1-1. automatic teller machine display screen display reminding input password, and time delay 15 seconds detects user afterwards whether inputs password, be that then whether authentication password is correct, password correctly then enters next step, incorrect, sends and points out and exit card; Otherwise time delay retreats card release in 15 seconds;
S1-2. automatic teller machine display screen display service selection menu, except the service menu that existing bank card has, also set up presetting account transfer business and presetting account spot assets business, user selects to enter step S1-3 during presetting transferred account service, when user selects presetting account spot assets business, enter step S3;
S1-3. automatic teller machine start to read pre-record have in account bank card be prestored into accounts information, and show on a display screen, user selects to press acknowledgement key stored in after account, the prompting of display screen display input transfer amounts, user is by the input through keyboard transfer amounts of automatic teller machine, acknowledgement key is pressed after complete operation, automatic teller machine disposal system comes into operation, drawing deposits in the account of card owner transfers to the account of payee, if account has enough deposits in the card of user, then display is transferred accounts successfully, otherwise shows the prompting that Sorry, your ticket has not enough value.
S1-4. after completing transaction, there is the prompting of whether continuous business in display screen, if user also needs to continue and other account on card is concluded the business, then presses acknowledgement key and enter step S1-3, if user does not need continuous business, then can press ESC Escape and exit and pre-record into account bank card.
Conventional receiver information of the present invention is stored in the magnetic strip medium on card, and this is conveniently user's typing and amendment data voluntarily.In like manner, conventional payee's account also can be stored in single-chip bank card chip medium, extracts account number and other data by chip card reader.Its technical scheme is identical with such scheme.
Of the present invention pre-recording can be used in the deposit business of general user into account bank card, Data Enter device and using method thereof, as father and mother to child stored in or proceed to the cost of living, because this deposit, transferred account service can compatible inter-bank be deposited, can at the multiple gathering object of typing in account bank card of pre-recording, as the collecting account information of multiple child, as long as deposit or when transferring accounts by said procedure simple operations, without the need to all inputting 19 card numbers at every turn, also without the need to queuing up to bank service sales counter, without the need to band with the notepad of account number or other carrier; Wherein only there is pre-recording of spot assets business and also can bind the account of householder into account bank card, when needs deposit house lead in main account, pre-record into account bank card as long as directly insert this on automatic teller machine, do not need input account password to complete deposit business.The present invention is simultaneously also for the tenants in shop of renting a house, rent provide a new pay charge way, and new pay charge way is exactly that owner gives tenant the card being built-in with owner's account number, hands over rent shop to rent by the tenant bank that controls oneself.For student's payment, the way in past is paying in account number, pay in the amount of money, payee place class and name are all printed on paper, and then student holds demand note and pays in the bank business point of specifying.Had now and pre-recorded into account bank card, student holds pre-recording of the payment of typing data and to go into the agency of account bank card to bank, is paid dues to automatic teller machine is self-service by banking person's collection charges or oneself.This card has account number, and pay in the amount of money, payee place class and name, the data on card can show on computers.When needs odd cash transfer, when automatic teller machine or intelligent terminal operate, first existing bank card is inserted, input password, then set up and select input account payee and transfer amount menu automatically, now bank card exits, and user inserts the personality card with account payee and transfer amount by prompting, automatically extract account number and transfer amount by card reader, after confirmation, terminate ta vservice.Use this method, achieve electronics docking with no paper, alleviate the workload of bank clerk widely.The bank card that the present invention conceives, in fact serves the vital role of notepad, and user the account number typing one or several sheets card often used, can recall from terminating machine during use, facilitate user widely again.
For existing bank card user as debit card and credit card user, the present invention also has its relative advantage.When in the card needing for oneself when card is main, account is stored in cash, card master need not be with the card that goes to bank again, brings a record to have single medium magnetic stripe bank card of card primary account number to go to save just passable as long as card is main.Save with this card, can input password again, can shorten the deposit time like this, meanwhile, holder need not live keyboard with hand shelves and prevent password from being peeped by people in face of other people.Because this card can only be used for depositing, even account's loss that also can not cause oneself stolen by the stolen card device of this card.
There are the demand of the expense of paying in some unit such as school, enterprise and administrative institution, and can utilize this pre-recording into account bank card to facilitate subscriber payment.Card has stored in account number, stored in the amount of money, the name of payer and unit.As long as user takes information desk just can complete the business of paying tuition fee and administrative expense.In order to allow bank strive for more income, bank can utilize card face to advertise.
Be more than wherein specific implementation of the present invention, it describes comparatively concrete and detailed, but therefore can not be interpreted as the restriction to the scope of the claims of the present invention.It should be pointed out that for the person of ordinary skill of the art, without departing from the inventive concept of the premise, can also make some distortion and improvement, these apparent replacement forms all belong to protection scope of the present invention.