CN106408294A - IC card automatic recharge method and system - Google Patents
IC card automatic recharge method and system Download PDFInfo
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- CN106408294A CN106408294A CN201610798150.0A CN201610798150A CN106408294A CN 106408294 A CN106408294 A CN 106408294A CN 201610798150 A CN201610798150 A CN 201610798150A CN 106408294 A CN106408294 A CN 106408294A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/349—Rechargeable cards
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
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Abstract
The invention discloses an IC card automatic recharge method and system and belongs to the IC card payment field. The method includes the following steps that: the automatic recharge associated account of an IC card is set, and associated information is stored in the background clearing system of the IC card, wherein the IC card has an overdraft function, and the automatic recharge associated account is a payment account through which the user of the IC card allows the background clearing system to carry out automatic settlement on the overdraft consumption of the IC card; the IC card communicates with a card reading terminal so as to complete IC card payment; and when the balance in the IC card is smaller than a preset recharge threshold value, the IC card is automatically recharged according to a set recharge sum of money, and the background clearing system of the IC card completes automatic settlement in the automatic recharge associated account according to the number of the times of the automatic recharge of the IC card and the set recharge sum of money. With the IC card automatic recharge method and system of the invention adopted, the IC card recharge and payment experience of the holder of the IC card can be greatly enhanced, and the development trend of existing micropayment can be better catered.
Description
Technical field
The present invention relates to IC-card payment technology field is and in particular to a kind of IC-card automatic charging method and system.
Background technology
Many payment transactions are carried out netting process, the business of net amount settlement fund by small amount payment within a certain period of time.
With the fast development of IC-card technology, small amount payment card more and more occurs in daily life, such as city bus
All-purpose card, can apply to public transport, convenience store, has called a taxi etc., in multiple small amount payment scenes, block for city bus one at present
Logical, all-purpose card company is responsible for its distribution and management, and after every card activation, all-purpose card company can set up the rear account of this card number
Family, when holder uses this card, needs card is supplemented with money, when holder holds specifying in public transport subway or supermarket
When equipment carries out consumer sale, after holder swipes the card, the corresponding amount of money can be deducted from the stored value card of card.At present, one
Cartoon way of payment mainly includes following several：
Public transport site all-purpose card charging function：Cash can be carried out fill in the special site of supplementing with money of all of Bus Card
Value or bank card are supplemented with money.
Subway all-purpose card charging function：Can supplement that site carries out recharging by cash or bank card fills with money in all of subway
Value.
NFC mobile phone is supplemented with money：By operating the related APP above NFC mobile phone, card can be supplemented with money.
Internet terminal is supplemented with money：The card reader that can be formulated by all-purpose card is operated card is entered on all-purpose card website
Row is supplemented with money.
Under normal circumstances, due to worrying to lose, holder will not carry out wholesale to card and supplement with money, and if holder's warp
Often consumed using this card, then holder needs frequently card to be supplemented with money, and above-mentioned several way of payment is not
Easily, there is problems：
(1) limited by way of payment, it is few to supplement site with money, spends the time long；NFC mobile phone due to compatibility and cost problem,
Occupation rate of market is relatively low；
(2) experience of holder is poor, could use card it is necessary to first supplement with money when especially encountering card balance deficiency by chance
Piece, causes inconvenience to the user under special circumstances；
(3) mode that site is supplemented with money or internet terminal is supplemented with money, needs to ensure on-line environment, if Network Abnormal, can
Cause inconvenience to the user, and be not suitable for supplementing consumption scene on a large scale with money；
(4) much supplement site with money and be agent dot or be under the jurisdiction of other operators, the pre- recharge amount of holder is simultaneously
Can not go in time on the book of all-purpose card company, the normal operation of all-purpose card company is impacted.
Content of the invention
For defect present in prior art, it is an object of the invention to provide one kind can effectively improve user embodying
IC-card automatic charging method and system.
For achieving the above object, the technical solution used in the present invention is as follows：
A kind of IC-card automatic charging method, comprises the following steps：
(1) the automatic value-charging interlock account of IC-card is set, and related information is stored in the backstage system for settling account of IC-card；
Described IC-card has overdraw function, and described automatic value-charging interlock account refers to that IC-card user allows IC-card backstage system for settling account to IC
The overdraw consumption of card carries out the payment account of Automatic-settlement；
(2) IC-card is communicated with Card Reader consumption terminal, completes IC-card and pays；
(3) IC-card main control chip judges whether the remaining sum in IC-card supplements threshold value with money, if so, then according to setting less than default
Pre- recharge amount described IC-card is supplemented with money automatically in advance, and enter step (4), if it is not, then not operated；
(4) IC-card backstage system for settling account is supplemented with money automatically in advance according to IC-card number of times and the pre- recharge amount setting, according to institute
State automatic value-charging interlock account and complete Automatic-settlement.
Further, a kind of IC-card automatic charging method as above, the method also includes：IC-card hair fastener center issues IC
Before card, the credit grade of the automatic value-charging interlock account according to user determines the overdraw gold of the IC-card of user in setting time
Volume；
Before described IC-card is supplemented with money automatically in advance, also include：Automatically the number of times supplemented with money in advance according to IC-card and setting
Pre- recharge amount judge that whether the amount of money automatically supplemented with money in advance of IC-card in setting time be more than the described overdraw amount of money, if it is not, then
Automatically supplemented with money in advance, if so, then automatically supplemented with money unsuccessfully in advance.
Further, a kind of IC-card automatic charging method as above, the method also includes：In step (2), IC-card and reading
Card consumption terminal is communicated, and completes IC-card and pays, including：
1. IC-card main control chip judges whether the remaining sum in IC-card is more than or equal to payment, if so, then carries out IC-card
Pay, if it is not, then entering step 2.；
2. IC-card main control chip judges the remaining sum in IC-card is propped up with whether default pre- recharge amount sum is more than or equal to
Pay the amount of money, if so, then IC-card main control chip carries out IC-card after IC-card being supplemented with money automatically in advance according to the pre- recharge amount setting
Pay, if it is not, then Card Reader consumption terminal prompting IC-card Sorry, your ticket has not enough value, IC-card pays unsuccessfully.
Further, a kind of IC-card automatic charging method as above, the method also includes：IC-card hair fastener center issues IC
Before card, determine that the pre- of IC-card supplements the number of times upper limit with money, when IC-card automatically supplement with money in advance number of times reach described pre- supplement the number of times upper limit with money when,
Carry out IC-card using traditional IC-card way of payment to supplement with money, and the number of times automatically supplemented with money in advance in IC-card is reset.
Further, a kind of IC-card automatic charging method as above, described IC-card backstage system for settling account is IC-card hair fastener
The third party backstage system for settling account of the backstage system for settling account at center or IC-card hair fastener central authority.
Further, a kind of IC-card automatic charging method as above, in step (4), IC-card backstage system for settling account according to
The number of times that IC-card is supplemented with money automatically in advance and the pre- recharge amount setting, complete automatically to tie according in described automatic value-charging interlock account
Calculate, including：
IC-card backstage system for settling account receives the clearance message of the IC-card that Card Reader consumption terminal uploads, according to the last time knot of IC-card
Calculate record and clearance message judges whether IC-card occurs automatically to supplement with money in advance, if so, then according to the number of times automatically supplemented with money in advance and setting
Pre- recharge amount generate IC-card recharging payment message, start automatic value-charging interlock account and carry out supplementing with money withholing, complete to settle accounts, if
No, then directly the clearing of IC-card backstage are carried out according to clearance message.
Present invention also offers a kind of IC-card automated refill system, clear including IC-card, Card Reader consumption terminal and IC-card backstage
Calculation system, described IC-card includes main control chip and the communication module being connected with main control chip, and described IC-card has overdraw function；Institute
State communication module for communicating with Card Reader consumption terminal；Described main control chip includes：
IC-card payment module, for being interacted with Card Reader consumption terminal, is completed IC-card and pays；
Supplement module in advance with money, for, after completing IC-card payment, judging whether the remaining sum in IC-card supplements threshold with money less than default
Value, is if so, then supplemented with money to described IC-card according to the pre- recharge amount setting, automatically in advance if it is not, then not operated；
Described IC-card backstage system for settling account includes：
Supplement settlement module in advance with money, for the number of times automatically supplemented with money in advance according to IC-card and the pre- recharge amount of setting, according to institute
State in automatic value-charging interlock account and complete Automatic-settlement.
Further, a kind of IC-card automated refill system as above, described main control chip also includes：
Pre- recharge amount judge module, for supplementing with money before module supplemented with money automatically in advance to described IC-card in advance, root
Judge the amount of money automatically supplemented with money in advance of IC-card in setting time according to the IC-card number of times automatically supplemented with money in advance and the pre- recharge amount setting
Whether it is more than the described overdraw amount of money, if so, then supplement module in advance with money and automatically supplement with money in advance unsuccessfully；
The described overdraw amount of money be IC-card hair fastener center before issuing IC-card, automatic value-charging interlock account according to user
The overdraw amount of money of the IC-card of user in the setting time that credit grade determines.
Further, a kind of IC-card automated refill system as above, described main control chip also includes：
Supplement number of times judge module in advance with money, for supplementing number of times with money when IC-card is automatically supplemented number of times in advance with money and reached the pre- of IC-card of setting
During the upper limit, carrying out resetting, after IC-card is supplemented with money, the number of times automatically supplemented with money in advance in IC-card using traditional IC-card way of payment；Described
Supplement with money in advance the number of times upper limit be IC-card before by IC-card hair fastener center determine.
Further, a kind of IC-card automated refill system as above, described pre- settlement module of supplementing with money includes：
Supplement judging unit in advance with money, for receiving the clearance message of the IC-card of Card Reader consumption terminal upload, upper according to IC-card
Secondary settlement records and clearance message judge whether IC-card occurs automatically to supplement with money in advance, if so, then enter and supplement settlement module with money in advance, if
No, then directly the clearing of IC-card backstage are carried out according to clearance message.
The beneficial effects of the present invention is：This adopts IC-card automatic charging method provided by the present invention and system, holds
People carry out only need to need not an on-line operation being supplemented with money operation manually or periodically, fills in site with using existing other modes
Value number of times greatly reduces, and brings more preferable experience to client, and the method and system do not need Card Reader consumption terminal is carried out
Any transformation be can achieve the program it is only necessary to simply transform to backstage system for settling account, greatlys save cost.
Brief description
Fig. 1 is a kind of structured flowchart of IC-card automated refill system in the specific embodiment of the invention；
Fig. 2 is a kind of flow chart of IC-card automatic charging method in the specific embodiment of the invention.
Specific embodiment
With reference to Figure of description, the present invention is described in further detail with specific embodiment.
Fig. 1 shows a kind of structured flowchart of the IC-card automated refill system providing in the specific embodiment of the invention, by
In figure can be seen that this system and includes IC-card 100, Card Reader consumption terminal 200 and IC-card backstage system for settling account 300.Described IC-card
100 include main control chip 101 and be connected with main control chip 101 for the communication being communicated with Card Reader consumption terminal 200
Module 102.
In present embodiment, described IC-card 100 has overdraw function, and described main control chip 101 includes：
IC-card payment module 1011, for being interacted with Card Reader consumption terminal, is completed IC-card and pays；
Supplement module 1012 in advance with money, for, after completing IC-card payment, judging whether the remaining sum in IC-card fills less than default
Value threshold value, is if so, then supplemented with money to described IC-card 100 according to the pre- recharge amount setting, automatically in advance if it is not, then not grasped
Make；
Described IC-card backstage system for settling account 300 includes：
Supplement settlement module 301 in advance with money, for the number of times automatically supplemented with money in advance according to IC-card and the pre- recharge amount of setting, in institute
State in automatic value-charging interlock account and complete Automatic-settlement；This module includes：
Supplement judging unit in advance with money, for receiving the clearance message of the IC-card of Card Reader consumption terminal upload, upper according to IC-card
Secondary settlement records and clearance message judge whether IC-card occurs automatically to supplement with money in advance, if so, then enter and supplement settlement module with money in advance, if
No, then directly the clearing of IC-card backstage are carried out according to clearance message.
In IC-card automated refill system described in present embodiment, IC-card can be overdrawed consumption, and the remaining sum in card is less than
Default when supplementing threshold value with money, IC-card can automatically IC-card be supplemented with money automatically in advance i.e. virtual supplement with money (by card piece in grasp
Make system COS independently to judge to realize), meet the demand that holder's overdraw consumption is continuing with IC-card, using this system, hold
People need not carry out supplementing with money operation manually it is only necessary to when consuming card-reading terminal and being cleared with backstage system for settling account is online, by rear
Platform system for settling account completes auto deduction from interlock account, makes user obtain more preferable experience.Further, since button
Money clearing behavior is to be automatically performed by all-purpose card backstage system for settling account, and the putting under of fund is marked to be still and cleared system by IC-card backstage
System controls, and will not relate to the settling problems at IC-card hair fastener center and load agent site.
In present embodiment, described backstage system for settling account is in the backstage system for settling account at IC-card hair fastener center or IC-card hair fastener
The third party backstage system for settling account of heart mandate.Described automatic value-charging interlock account includes debit card, credit card or Alipay.
In order to realize the control of the number of times and pre- recharge amount that IC-card is supplemented with money in advance, described main control chip 101 can also wrap
Include pre- recharge amount judge module 1013.
Pre- recharge amount judge module 1013, for automatically being supplemented with money in advance to described IC-card supplementing module 1012 in advance with money
Before, the number of times automatically supplemented with money in advance according to IC-card and the pre- recharge amount setting judge automatically supplementing with money in advance of IC-card in setting time
The amount of money whether be more than the described overdraw amount of money, if so, then supplement module in advance with money and cannot be carried out automatically supplementing with money in advance, if it is not, then automatically pre-
Supplement with money unsuccessfully.Described overdraw the amount of money be IC-card hair fastener center before issuing IC-card, according to the automatic value-charging interlock account of user
Credit grade determine the user in setting time IC-card the overdraw amount of money.
In setting time, if the number of times that IC-card is supplemented with money automatically in advance (fund is supplemented in the overdraw amount of money/setting with money) has reached
The upper limit, if Sorry, your ticket has not enough value in this setting time card, holder can be supplemented with money using traditional business way of payment.
Described main control chip 101 can also include：
Supplement number of times judge module 1014 in advance with money, for supplementing with money when IC-card is automatically supplemented number of times in advance with money and reached the pre- of IC-card of setting
During the number of times upper limit, carrying out resetting, after IC-card is supplemented with money, the number of times automatically supplemented with money in advance in IC-card using traditional IC-card way of payment；
Described pre- supplement with money the number of times upper limit be IC-card before, centrally disposed by IC-card hair fastener.I.e. IC-card pre- supplement with money number of times exceed default
Pre- supplement with money it is impossible to automatically be supplemented with money in advance again during the number of times upper limit, need to carry out after once tradition supplements operation with money, can continuing
Using pre- charging function.
Fig. 2 shows a kind of IC-card automatic value-charging side in present embodiment based on the automated refill system shown in Fig. 1
The flow chart of method, as can be seen from Figure, this recharge method may comprise steps of：
Step S100：The automatic value-charging interlock account of setting IC-card, and related information is stored in the backstage clearance of IC-card
In system；
In present embodiment, described IC-card is the IC-card with overdraw function, and this overdraw function refers to the pre- of IC and supplements with money
(virtual supplement with money) function, settles accounts to the pre- behavior of supplementing with money of IC-card to complete backstage system for settling account, needs to arrange IC-card
Automatic value-charging interlock account, and related information is stored in the backstage system for settling account of IC-card, clear on Settlement Date IC-card backstage
Calculation system can complete to clear according to described automatic value-charging interlock account.Described automatic value-charging interlock account refers to that IC-card user permits
Permitted the payment account that IC-card backstage system for settling account carries out Automatic-settlement to the overdraw consumption of IC-card.
Wherein, described automatic value-charging interlock account includes but is not limited to the payment accounts such as credit card, debit card or Alipay.
Described backstage system for settling account includes but is not limited to the of the backstage system for settling account at IC-card hair fastener center or IC-card hair fastener central authority
Tripartite backstage system for settling account, for example, for state's all-purpose card, backstage system for settling account is the backstage clearance system of all-purpose card distributing and releasing corporation
The backstage system for settling account of other operators of system or the mandate of all-purpose card distributing and releasing corporation.
In another embodiment of the present invention, automatically supplement issuable risk, IC-card hair fastener center in advance with money to reduce IC-card
The IC of user in setting time before issuing IC-card, can also be determined according to the credit grade of the automatic value-charging interlock account of user
The overdraw amount of money of card and the amount of money supplemented with money every time.The credit grade of the automatic value-charging interlock account of user is usually by automatically filling
The manager of value interlock account is supplied to IC-card card issuer.Before IC-card hair fastener center issues IC-card, IC-card can also be set
Supplement the number of times upper limit in advance with money.
Step S200：IC-card is communicated with Card Reader consumption terminal, completes IC-card and pays；
Step S300：When the remaining sum in IC-card is less than and supplements threshold value with money, carry out IC-card and automatically supplement with money in advance；
When holder is paid by IC-card, IC-card is communicated with Card Reader consumption terminal, completes IC-card and pays.Described
, according to the difference paying application, terminal also can be different, for example, for Bus Card IC-card, can be POS for Card Reader consumption terminal
Machine or the subway POS etc..The communication type of IC-card and Card Reader consumption terminal include but is not limited to contact communicate and/
Or contactless communication mode.IC-card and Card Reader consumption terminal carry out communicating, and to complete the process of IC-card payment be prior art.
In present embodiment, IC-card is communicated with Card Reader consumption terminal, and the process completing IC-card payment includes：
1. IC-card main control chip judges whether the remaining sum in IC-card is more than or equal to payment, if so, then carries out IC-card
Pay, if it is not, then entering step 2.；
2. IC-card main control chip judges the remaining sum in IC-card is propped up with whether default pre- recharge amount sum is more than or equal to
Pay the amount of money, if so, then IC-card main control chip carries out IC-card after IC-card being supplemented with money automatically in advance according to the pre- recharge amount setting
Pay, if it is not, then Card Reader consumption terminal prompting IC-card Sorry, your ticket has not enough value, IC-card pays unsuccessfully.
Being successfully completed after IC-card pays, the main control chip of IC-card can judge that the remaining sum in IC-card is to be in stored value card
No supplement threshold value with money less than default, if so, then according to set pre- recharge amount described IC-card is supplemented with money automatically in advance, go forward side by side
Enter next step, if it is not, then not operated.
When IC-card is provided with the overdraw amount of money, before described IC-card is supplemented with money automatically in advance, automatically pre- according to IC-card
Whether the number of times supplemented with money and the pre- recharge amount setting judge the amount of money automatically supplemented with money in advance of IC-card in setting time more than described
Overdraw the amount of money, if it is not, then according to the default pre- recharge amount supplemented with money in advance every time carry out pre- supplement with money, if cannot be carried out pre- supplementing with money
Automatically supplement with money in advance unsuccessfully.
When IC-card be provided with pre- supplement the number of times upper limit with money when, before described IC-card is supplemented with money automatically in advance, IC can be judged
Card automatically supplement with money in advance number of times whether reached described pre- when supplementing the number of times upper limit with money, if it is, cannot be carried out automatically supplementing with money in advance,
Needs carry out an IC-card using traditional IC-card way of payment and supplement with money, and the number of times automatically supplemented with money in advance in IC-card are reset, afterwards
Just can be continuing with pre- supplementing energy with money.
Step S400：IC-card backstage system for settling account is according to the IC-card number of times automatically supplemented with money in advance and the pre- recharge amount pair setting
IC-card is settled accounts.
In IC-card settlement day, IC-card backstage system for settling account supplements gold according to the number of times that IC-card is supplemented with money automatically in advance with money with the pre- of setting
Volume, completes Automatic-settlement in described automatic value-charging interlock account.
In present embodiment, IC-card backstage system for settling account supplements gold according to the number of times that IC-card is supplemented with money automatically in advance with money with the pre- of setting
Volume, completes Automatic-settlement in described automatic value-charging interlock account, including：
IC-card backstage system for settling account receives the clearance message of the IC-card that Card Reader consumption terminal uploads, according to the last time knot of IC-card
Calculate record and clearance message judges whether IC-card occurs automatically to supplement with money in advance, if so, then according to the number of times automatically supplemented with money in advance and setting
Pre- recharge amount generate IC-card recharging payment message, start automatic value-charging interlock account and complete IC-card and supplement with money in advance to withhold, complete
Clearing, if it is not, then directly carry out the clearing of IC-card backstage according to clearance message, to ensure the amount of money in card and backstage system for settling account
Synchronous.
IC-card communicate with Card Reader consumption terminal complete IC-card pay during, Card Reader consumption terminal can record payment
Relevant information (consumption time, spending amount etc.) simultaneously reads the balance amount information of IC-card, is carrying out clearly with IC-card backstage system for settling account
During calculation, the transaction record of card can be uploaded to IC-card backstage system for settling account by terminal, and IC-card backstage system for settling account is according in terminal
The information passing judges that the pre- of IC-card supplements number of times with money, is automatically replenished a recharging payment message, and from automatic value-charging interlock account
In carry out transferring accounts of IC-card backstage system for settling account and supplement with money, that is, complete depositing from moving-coil of IC-card.
In actual applications, after completing clearance every time, if automatic value-charging interlock account is withholdd, interlock account corresponds to
Management backstage (as bank backstage) can to holder send announcement information.
With reference to one of embodiment concrete application scene, automatic charging method provided by the present invention is entered to advance
The explanation of one step.
Embodiment
In the present embodiment, holder Zhang San prepare to handle one can automatic value-charging transportation card, and the Alipay with oneself
Account is as automatic value-charging interlock account.
Holder, when handling mass transit card, when authorizing using its Alipay account as automatic value-charging interlock account, pays
Precious meeting carry out credit examination ＆ verification to this holder, and auditing result is fed back to Zhang San, and the credit grade of such as Zhang San is how many, with
When auditing result is submitted to all-purpose card hair fastener company, all-purpose card hair fastener company determines transportation card every month according to the grade of Zhang San
Transportation card is handed down to Zhang San by the overdraw amount of money and every time pre- recharge amount afterwards.
It is assumed that the overdraw amount of money of the transportation card of Zhang San is supplemented with money automatically in advance reaches the standard grade as 500 yuan, every time automatically in the present embodiment
The pre- recharge amount supplemented with money in advance is 100 yuan, and default pre- threshold value of supplementing with money is 50 yuan, and under original state, automatic value-charging number of times is 0, IC
Automatically the number of times upper limit of supplementing with money in advance of card is 5 times.
Assume that Zhang San supplements 50 with money when receiving card activation, if for the first time using being to take subway during this card, consuming 3
Unit, now remaining sum be 47 yuan, less than supplement with money in advance threshold value be 50 yuan, then card can once be supplemented with money in advance after the trade, preliminary filling
After value, card balance is 147, and during the end of month clearance, IC-card backstage system for settling account will have been transferred accounts from the corresponding Alipay account of Zhang San
One-tenth is withholdd.After Zhang San adds up to produce 5 times and automatically supplement with money in advance using this card, Zhang San needs to enter using traditional business charging function
Row is once supplemented with money, and hereafter, Zhang San will be reset as 0 using the automatic value-charging number of times of generation of card.
Obviously, those skilled in the art can carry out the various changes and modification essence without deviating from the present invention to the present invention
God and scope.So, if these modifications of the present invention and modification belong to the scope of the claims in the present invention and its equivalent technology
Within, then the present invention is also intended to comprise these changes and modification.
Claims (10)
1. a kind of IC-card automatic charging method, comprises the following steps：
(1) the automatic value-charging interlock account of IC-card is set, and related information is stored in the backstage system for settling account of IC-card；Described
IC-card has overdraw function, and described automatic value-charging interlock account refers to that IC-card user allows IC-card backstage system for settling account to IC-card
Overdraw consumption carries out the payment account of Automatic-settlement；
(2) IC-card is communicated with Card Reader consumption terminal, completes IC-card and pays；
(3) IC-card main control chip judges whether the remaining sum in IC-card supplements threshold value with money less than default, if so, then pre- according to set
Recharge amount is supplemented with money automatically in advance to described IC-card, and enters step (4), if it is not, then not operated；
(4) IC-card backstage system for settling account is supplemented with money automatically in advance according to IC-card number of times and the pre- recharge amount setting, according to described from
Dynamic supplement interlock account with money and complete Automatic-settlement.
2. a kind of IC-card automatic charging method according to claim 1 it is characterised in that：The method also includes：IC-card is sent out
Before card center issues IC-card, the credit grade of the automatic value-charging interlock account according to user determines the IC of user in setting time
The overdraw amount of money of card；
Before described IC-card is supplemented with money automatically in advance, also include：Pre- with set according to the number of times that IC-card is supplemented with money automatically in advance
Recharge amount judges whether the amount of money automatically supplemented with money in advance of IC-card in setting time is more than the described overdraw amount of money, if it is not, then carrying out
Automatically supplement with money in advance, if so, then automatically supplement with money unsuccessfully in advance.
3. a kind of IC-card automatic charging method according to claim 1 it is characterised in that：The method also includes：Step (2)
In, IC-card is communicated with Card Reader consumption terminal, completes IC-card and pays, including：
1. IC-card main control chip judges whether the remaining sum in IC-card is more than or equal to payment, if so, then carries out IC-card payment,
If it is not, then entering step 2.；
2. IC-card main control chip judges whether the remaining sum in IC-card is golden more than or equal to paying with default pre- recharge amount sum
Volume, if so, then IC-card main control chip carries out IC-card payment after IC-card being supplemented with money automatically in advance according to the pre- recharge amount setting,
If it is not, then Card Reader consumption terminal prompting IC-card Sorry, your ticket has not enough value, IC-card pays unsuccessfully.
4. a kind of IC-card automatic charging method according to claim 1 it is characterised in that：The method also includes：IC-card is sent out
Before card center issues IC-card, determine that the pre- of IC-card supplements the number of times upper limit with money, automatically supplement number of times in advance with money when IC-card and reach described preliminary filling
During the value number of times upper limit, IC-card is carried out using traditional IC-card way of payment and supplements with money, and the number of times automatically supplemented with money in advance in IC-card is reset.
5. a kind of IC-card automatic charging method according to claim 1 it is characterised in that：Described IC-card backstage system for settling account
The third party backstage system for settling account of the backstage system for settling account for IC-card hair fastener center or IC-card hair fastener central authority.
6. a kind of IC-card automatic charging method according to one of claim 1 to 5 it is characterised in that：In step (4), IC
Card backstage system for settling account, according to the IC-card number of times automatically supplemented with money in advance and the pre- recharge amount setting, associates according to described automatic value-charging
Automatic-settlement is completed in account, including：
IC-card backstage system for settling account receives the clearance message of the IC-card that Card Reader consumption terminal uploads, according to the last time clearing note of IC-card
Record and clearance message judge whether IC-card occurs automatically to supplement with money in advance, if so, then pre- with set according to the number of times automatically supplemented with money in advance
Recharge amount generates IC-card recharging payment message, starts automatic value-charging interlock account and carries out supplementing with money withholing, and completes to settle accounts, if it is not,
Then directly the clearing of IC-card backstage are carried out according to clearance message.
7. a kind of IC-card automated refill system, including IC-card, Card Reader consumption terminal and IC-card backstage system for settling account, described IC-card bag
Include main control chip and the communication module that is connected with main control chip it is characterised in that：Described IC-card has overdraw function；Described communication
Module is used for communicating with Card Reader consumption terminal；Described main control chip includes：
IC-card payment module, for being interacted with Card Reader consumption terminal, is completed IC-card and pays；
Supplement module in advance with money, for, after completing IC-card payment, judging whether the remaining sum in IC-card supplements threshold value with money less than default, if
It is then according to the pre- recharge amount setting, described IC-card to be supplemented with money automatically in advance, if it is not, then not operated；
Described IC-card backstage system for settling account includes：
Supplement settlement module in advance with money, for the number of times automatically supplemented with money in advance according to IC-card and the pre- recharge amount setting, according to described from
Dynamic supplementing with money completes Automatic-settlement in interlock account.
8. a kind of IC-card automated refill system according to claim 7 it is characterised in that：Described main control chip also includes：
Pre- recharge amount judge module, for supplementing with money before module supplemented with money automatically in advance to described IC-card in advance, according to IC
Block the number of times automatically supplemented with money in advance and whether the pre- recharge amount that sets judges the amount of money automatically supplemented with money in advance of IC-card in setting time
More than the described overdraw amount of money, if so, then supplement module in advance with money and automatically supplement with money in advance unsuccessfully；
Described overdraw the amount of money be IC-card hair fastener center before issuing IC-card, the credit of the automatic value-charging interlock account according to user
The overdraw amount of money of the IC-card of user in the setting time that grade determines.
9. a kind of IC-card automated refill system according to claim 7 it is characterised in that：Described main control chip also includes：
Supplement number of times judge module in advance with money, for supplementing the number of times upper limit with money when IC-card is automatically supplemented number of times in advance with money and reached the pre- of IC-card of setting
When, carrying out resetting, after IC-card is supplemented with money, the number of times automatically supplemented with money in advance in IC-card using traditional IC-card way of payment；Described preliminary filling
Value the number of times upper limit be IC-card before by IC-card hair fastener center determine.
10. a kind of IC-card automated refill system according to one of claim 7 to 9 it is characterised in that：Described pre- supplement knot with money
Calculate module to include：
Supplement judging unit in advance with money, for receiving the clearance message of the IC-card of Card Reader consumption terminal upload, according to the last time knot of IC-card
Calculate record and clearance message judges whether IC-card occurs automatically to supplement with money in advance, if so, then enter and supplement settlement module with money in advance, if it is not, then
Directly the clearing of IC-card backstage are carried out according to clearance message.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610798150.0A CN106408294A (en) | 2016-08-31 | 2016-08-31 | IC card automatic recharge method and system |
| PCT/CN2017/099422 WO2018041090A1 (en) | 2016-08-31 | 2017-08-29 | Method and system for automatically recharging ic card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610798150.0A CN106408294A (en) | 2016-08-31 | 2016-08-31 | IC card automatic recharge method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106408294A true CN106408294A (en) | 2017-02-15 |
Family
ID=58001980
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610798150.0A Pending CN106408294A (en) | 2016-08-31 | 2016-08-31 | IC card automatic recharge method and system |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN106408294A (en) |
| WO (1) | WO2018041090A1 (en) |
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