CN106846674A - Noncash electronic finance trade mode and equipment - Google Patents
Noncash electronic finance trade mode and equipment Download PDFInfo
- Publication number
- CN106846674A CN106846674A CN201710001021.9A CN201710001021A CN106846674A CN 106846674 A CN106846674 A CN 106846674A CN 201710001021 A CN201710001021 A CN 201710001021A CN 106846674 A CN106846674 A CN 106846674A
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- Prior art keywords
- stored value
- bank
- card
- cashing machine
- transaction
- Prior art date
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Swiped the card the present invention relates to bank card the swiping card equipment of enchashment equipment and plant personnel mess card,The noncash electronic finance trade mode and equipment store center by big data cloud,Bank,Banking terminal device,Cashing machine and stored value card are constituted,Personal user handles a stored value card with identity card,Self-employed businessman can handle a cashing machine with identity card,Stored value card is placed on cashing machine when generation transaction needs payment,It is determined that password is input into after the paid amount of money can complete transaction,Cashing machine realizes synchronous transfer with bank by internet,The amount of money that self-employed businessman can be collected by bank to cashing machine carries out enchashment,Can mutually be transferred accounts by equipment between two stored value cards,The equipment is carried out the registration to user by bank,Transaction,The management of the business such as enchashment,The cash transaction of reality is that can be exchanged into stored value card and cashing machine to carry out electronic transaction,Avoid the counterfeit money of cash transaction presence,Cash is lost and the cumbersome problem of small change.
Description
Art；
Swiped the card the present invention relates to bank card the swiping card equipment of enchashment equipment and plant personnel mess card.
Background technology；
Cash transaction is with a history of thousands of years in human society, but with the increase of trading volume, current cash is handed over
Easily exist many such as counterfeit money, cash is lost, the problem that small change inconvenience etc. cannot overcome during transaction, the cash of new edition toward contact not
Into market, counterfeit money is but got ahead of others, can be careful when everyone is connected to a cash look some up and down, fear to receive counterfeit money,
The elderly is even more and deeply hurts, and everyone has and loses cash or find the experience of cash, do not reported the loss because cash is blank and
General the characteristics of, so turning into person ownership by the cash found, to the loss that loss person causes to retrieve, we go out
When always take substantial amounts of change with facilitate at any time can with small change, although existing bank card swipe the card transaction popularized, because
Transaction is complicated, bank card easily gets compromised and is easily replicated etc. factor and makes it difficult to be promoted, and plant personnel mess card is swiped the card
Although equipment can replace the cash transaction of small range, fail largely to be used because can not be integrated with other traction equipments,
This brings many inconvenience to our life.
The content of the invention；
To solve many deficiencies that real cash transaction is present, the invention provides a kind of noncash electronic finance trade side
Formula and equipment, the equipment store center by big data cloud, and bank, banking terminal device, cashing machine and stored value card are constituted, big number
The management system for storing center and bank according to cloud works asynchronously, the storage information for storing and managing user, and personal user is
A stored value card can be handled with identity card, self-employed businessman can handle a cashing machine, stored value card and cashing machine with identity card
Worked asynchronously with the management system of bank, stored value card and bank card are bound, when transaction occurring and needing payment by electronics
Wallet is placed on cashing machine, it is determined that password is input into after the paid amount of money can complete transaction, cashing machine passes through internet reality with bank
Existing synchronous transfer, the amount of money that self-employed businessman can be collected by bank to cashing machine carries out enchashment, can between two stored value cards
By bank, short-message verification and cashing machine are transferred accounts mutually, and stored value card can carry out enchashment by bank and cash dispenser, and this sets
The management of the business such as the standby registration carried out by bank to user, transaction, enchashment, the cash transaction of reality is that can be exchanged into electronic money
Bag and cashing machine carry out electronic transaction, it is to avoid the counterfeit money that cash transaction is present, cash is lost and small change cumbersome problem.
Specific embodiment；
The equipment stores center, bank and terminal device by big data cloud, and cashing machine and stored value card are constituted, big data cloud
The management operating system that bank is connected centrally through internet is stored, for storing and managing substantial amounts of user data, is entirely set
Standby management program is managed by bank, and individual can handle an independent user account with identity card in bank, to reality
The transaction of existing electronic cash, self-employed businessman or individual can handle a cashing machine and set with personal identity card after bank registers
Standby, cashing machine is the electric terminal equipment of bank's distribution, and the synchronous working that integrates with is carried out by internet and bank, and it act as receiving
The business with conversion electron cash is taken, cashing machine is provided with two groups of password keys, for conversion electron between two stored value cards
Cash is used, and two groups of induction installations, the induction installation connection practicable reading to stored value card of equipment are provided with by two groups of password keys
The effect that takes and write, it is necessary to stored value card is placed on induction installation during cash payment, if to the holder of cashing machine
Select to pay when (trade company) pays electronic cash, on cashing machine and set, the amount of money to be paid is input on keyboard, be input into password
Hou Dai trade companies confirmed after by complete payment transaction, if necessary to carry out the phase of electronic cash between two stored value cards
Mutually during conversion, two stored value cards are individually placed on respective two groups of induction installations, select conversion to set on cashing machine, conversion
The side amount of money and password to be changed of input, a side of reception can be collected after confirming, cashing machine dependence during transaction
Internet by conclude the business real time data synchronization to user account management system, if the untreated good number of deals of account management system
According to or internet signal interrupt, the transaction of cashing machine can not then complete, account management system often complete once to conclude the business after i.e. at random
The instruction password that conversion is once connected with stored value card, can be matched when connection next time by instructing the password of password and user
Can be connected during conjunction, to prevent Transaction Information from getting compromised, connected mode and secure fashion during transaction are ground according to the transaction of equipment
Hair progress and update, it is to avoid transaction is utilized by network wooden horse, and the specified user of cashing machine can be with cashing machine job number and identity of opening an account
Card can also be bound the account of cashing machine and bank card in bank's enchashment, be stored in by the electronic cash collected certainly
In oneself bank card, to realize real-time electronic cash transaction, cashing machine connects mains supply by power supply adaptor, and inside has can
Battery for storing electric energy, can make cashing machine realize move transaction.
Personal user can handle a stored value card with identity card in bank, and stored value card can be divided into type wallet and invisible
Wallet, has type wallet for non-contact inductive chip, and outside plastic housing is sealed and is made, profile can be fabricated to the shape of coin with
Conveniently hang on key chain, can also be fabricated in the bonnet of ultra-thin thin slice insertion mobile phone or wallet, it is necessary to carry out electronic cash
Need to be only placed on during transaction on cashing machine carries out sensing connection, using the mode of doing business of induction chip encrypted code during transaction, sense
The carrier that chip is account connection is answered, the program of its transaction is to be carried out by internet connection user account management system
Transaction, so will not be replicated by account after the cipher mode of password, it is personal after continuous three input errors of password during transaction
Account is suspended and uses, and user can reactivate with personal identity card to bank, to prevent account to be stolen, works as stored value card
User can again handle with personal identity card in bank after (induction chip) is lost, and invisible wallet is account number when opening an account,
This number needs user voluntarily to store, and does not appear on trading card, and to prevent from surprisingly being divulged a secret, account number and password can be at any time
Application is changed, and selects invisible wallet to set on cashing machine during invisible purse transaction, is input into the account number of invisible wallet, required
Transaction can be completed after the amount of money and password of transaction, stored value card is bound with bank card, between two electronic purse customers
The conversion that can carry out between electronic cash by Mobile banking, after electronic purse customer receives the electronic cash being transferred to, system
In the personal account of user, by bank or automatic teller machine enchashment by the electronic cash being transferred to, stored value card is or not automatic storage
Directly encashment service can be carried out in bank, it is desired to supplement with money and enchashment all be operated by bank card, electronic transaction system
System is often completed after a transaction i.e. to a Transaction Information is sent out on specified user mobile phone, to prevent the stored value card of user
Stolen, cashing machine and stored value card synchronize work, the management of whole equipment system and use with the terminal device of bank
The work such as the Accreditation processing stored value card at family is completed by bank.
When the equipment is traded, if when paying electronic cash to the trade company of cashing machine, user is by personal electronics
Wallet is placed at the sensing on cashing machine, and payment transaction is selected in equipment, the amount of money and close paid required for being input on keyboard
System is automatically processed after code, and now cashing machine reads the terminal by internet and bank after the information of stored value card automatically
Equipment carries out the synchronization job that integrates with, and is completed by being concluded the business after trade company is confirmed, if necessary to the amount of money of stored value card is turned
Change to when on another stored value card, two stored value cards are placed on two induction zones of cashing machine in accordance with the instructions, selected in equipment
Select transformation service, the amount of money and password of conversion needed for the side that need to change input, a side to be received confirmed after business i.e.
Can complete, if selecting invisible purse transaction business using invisible purse transaction, in equipment, user need to be input into invisible money to equipment
The Subscriber Number and trading password of bag, remaining mode of operation are identical with the stored value card for having type, and stored value card is sticked into bank
Row binding, line access business can be entered by bank card to the amount of money in stored value card.
Because the electronic finance trade mode uses stored value card, and non-physical cash transaction, real cash
Circulation can all be completed in bank, so being avoided that the appearance of counterfeit money and using, the transaction of stored value card uses electronic type, works as electronics
When wallet (induction chip) is lost, person cannot carry out enchashment by chip to find chip, and user can apply in the very first time
Chip is changed, so that will not be as being taken into one's own possession by others' when cash is lost, stored value card payment and the amount collected can be accurate
To 0.01 yuan, and small change cumbersome during not necessarily like real cash transaction, stored value card and bank card synchronously integrate with, by bank or
Cash dispenser can realize enchashment to stored value card, popular so as to the transaction of the mess card of factory's formula be realized.
Claims (8)
1. a kind of noncash electronic finance trade mode and equipment, center, bank and terminal device, gathering are stored by big data cloud
Machine and stored value card are constituted.
2. the noncash electronic finance trade mode and equipment according to claim (1), it is characterised in that；Big data cloud is stored up
The management system for depositing center and bank works asynchronously, the storage information for storing and managing user, and personal user is with identity card
A stored value card is handled, self-employed businessman handles a cashing machine, the management of stored value card and cashing machine and bank with identity card
Systems work synchronized, stored value card and bank card are bound.
3. the big data cloud according to claim (1) stores center, it is characterised in that；Big data cloud is stored centrally through mutual
The management operating system of networking connection bank, for storing and managing substantial amounts of user data, the management program of whole equipment by
Bank is managed.
4. the bank according to claim (1) and terminal device, it is characterised in that；Cashing machine and stored value card and bank
Terminal device synchronizes work, and the management of whole equipment system and the Accreditation processing stored value card of user etc. work by bank
Complete.
5. the cashing machine according to claim (1), it is characterised in that；Cashing machine is the electric terminal equipment of bank's distribution,
The synchronous working that integrates with is carried out by internet and bank, it act as collecting the business with conversion electron cash, is set on cashing machine
There are two groups of password keys, be used for conversion electron cash between two stored value cards, two groups of senses are provided with by two groups of password keys
Answer device, the effect of induction installation connection practicable reading and the write-in to stored value card of equipment is, it is necessary to by electricity during cash payment
Sub- wallet is placed on induction installation, if when paying electronic cash to the holder (trade company) of cashing machine, being selected on cashing machine
Pay and set, the amount of money to be paid is input on keyboard, completing payment by being input into after password Hou Dai trade companies are confirmed hands over
When easily, if necessary to the mutual conversion that electronic cash is carried out between two stored value cards, two stored value cards are individually placed to
Conversion is selected to set on respective two groups of induction installations, on cashing machine, the side amount of money and password to be changed of input of conversion,
The side for receiving can be collected after confirming, cashing machine connects mains supply by power supply adaptor, and inside is available for storage
The battery of electric energy, can make cashing machine realize move transaction.
6. the stored value card according to claim (1), it is characterised in that；Stored value card can be divided into type wallet and invisible money
Bag, has type wallet for non-contact inductive chip, and plastic housing sealing in outside is made, and profile can be fabricated to the shape of coin with side
Just hang on key chain, can also be fabricated in the bonnet of ultra-thin thin slice insertion mobile phone or wallet, it is necessary to carry out electronic cash friendship
Need to be only placed on cashing machine when easily carries out sensing connection, and invisible wallet is account number when opening an account.
7. noncash electronic finance trade mode and the mode of doing business of equipment according to claim (1), it is characterised in that；
1st) when equipment is traded, if when paying electronic cash to the trade company of cashing machine, user is by personal stored value card
It is placed at the sensing on cashing machine, payment transaction is selected in equipment, after the amount of money and password that are paid required for input on keyboard
System is automatically processed, and now cashing machine reads the terminal device by internet and bank after the information of stored value card automatically
The synchronization job that integrates with is carried out, is completed by being concluded the business after trade company is confirmed；
2nd, if necessary to the amount of money of stored value card is transformed into when on another stored value card, two stored value cards are put in accordance with the instructions
On two induction zones of cashing machine, transformation service is selected in equipment, the amount of money of conversion needed for the side that need to change input and close
Code, a side to be received confirmed after business can completion；
If selecting invisible purse transaction business the 3, using invisible purse transaction, in equipment, user need to be input into invisible money to equipment
The Subscriber Number and trading password of bag, remaining mode of operation are identical with the stored value card for having type；
4th, the specified user of cashing machine can be with cashing machine job number and identity card of opening an account in bank's enchashment, also can be by the account of cashing machine
Bound with bank card, be stored in by the electronic cash collected in the bank card of oneself, stored value card is sticked into bank
Row binding, line access business can be entered by bank card to the amount of money in stored value card.
8. noncash electronic finance trade mode and the working method of equipment according to claim (1), it is characterised in that；
Cashing machine relies on internet by the account management system of the real time data synchronization concluded the business to user when the 1st, concluding the business, if account
The untreated good transaction data of management system or internet signal are interrupted, and the transaction of cashing machine can not then be completed；
2nd, the instruction password that i.e. stochastic transformation is once connected with stored value card after account management system often completes once to conclude the business, treats down
Connected by when can be engaged by instructing the password of password and user during secondary connection, to prevent Transaction Information from getting compromised；
Connected mode and secure fashion when the 3, concluding the business are researched and developed progress and are updated according to the transaction of equipment, it is to avoid transaction is by network wood
Horse utilizes；
4th, electronic trading system is often completed after a transaction i.e. to sending out a Transaction Information on specified user mobile phone, in case
Only the stored value card of user is stolen；
5th, stored value card must could realize access business by bound bank card.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710001021.9A CN106846674A (en) | 2017-01-03 | 2017-01-03 | Noncash electronic finance trade mode and equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710001021.9A CN106846674A (en) | 2017-01-03 | 2017-01-03 | Noncash electronic finance trade mode and equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106846674A true CN106846674A (en) | 2017-06-13 |
Family
ID=59117737
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710001021.9A Pending CN106846674A (en) | 2017-01-03 | 2017-01-03 | Noncash electronic finance trade mode and equipment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106846674A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108712392A (en) * | 2018-04-25 | 2018-10-26 | 浙江长投云联信息科技有限公司 | A kind of cloud data managing method and cloud system |
-
2017
- 2017-01-03 CN CN201710001021.9A patent/CN106846674A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108712392A (en) * | 2018-04-25 | 2018-10-26 | 浙江长投云联信息科技有限公司 | A kind of cloud data managing method and cloud system |
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| PB01 | Publication | ||
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| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170613 |