CN112465511A - Campus card financial settlement method and system - Google Patents
Campus card financial settlement method and system Download PDFInfo
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- CN112465511A CN112465511A CN202011327797.8A CN202011327797A CN112465511A CN 112465511 A CN112465511 A CN 112465511A CN 202011327797 A CN202011327797 A CN 202011327797A CN 112465511 A CN112465511 A CN 112465511A
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- 238000000034 method Methods 0.000 title claims abstract description 27
- 230000000977 initiatory effect Effects 0.000 claims description 8
- 238000012546 transfer Methods 0.000 abstract description 14
- 238000004891 communication Methods 0.000 description 3
- 230000005540 biological transmission Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 235000012054 meals Nutrition 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
- 230000001915 proofreading effect Effects 0.000 description 1
- 230000001360 synchronised effect Effects 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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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
- G06Q20/357—Cards having a plurality of specified features
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The campus card financial settlement method disclosed by the invention is characterized in that a campus card system and a financial system are signed, the campus card and the financial system are signed by the signed campus card system, the financial system accepts a request service of the campus card after the signing is successful, a cardholder uses a campus card lap-up deposit request service, the financial system lapses a balance in the financial card corresponding to the campus card system, the transfer of bank account funds of the cardholder to a campus card account is realized by using a computer network and terminal equipment, an original manual cash deposit mode of the campus card system is converted into fund transfer between a bank card and a campus card which are operated by the cardholder by self, the problem of charge of the financial system and the campus card financial settlement process is solved, and the transfer efficiency between the campus card and a deposit card is improved.
Description
Technical Field
The invention relates to the field of financial data processing, in particular to a campus card financial settlement method and a campus card financial settlement system.
Background
The campus card is a business card issued by colleges and universities for facilitating students to live in the schools, and aims to facilitate the students to take meals in canteens and shop in supermarkets, and different schools stipulate the use range according to different conditions, but all the schools need to use the business card.
In the smart campus, the consumption behavior of students is the behavior which is most closely related to daily life of students and has the highest use frequency, the students need to prestore a certain amount of money in the campus card before use, and more students in colleges and universities cause the phenomenon of queuing for recharging, so that the use experience of the campus card is reduced.
Disclosure of Invention
Aiming at the problems in the prior art, the invention provides a campus card financial settlement method and system, which can improve the transfer efficiency between a campus card and a savings card.
The invention is realized by the following technical scheme:
a campus card financial settlement method is used for a campus card system and a financial system and comprises the following steps:
step 1, enabling a campus card system to sign in to a financial system, and enabling the financial system to accept a service request initiated by the campus card system after the campus card system signs in;
step 2, adopting a campus card system to sign a contract between campus card information and a financial system, and the financial system accepts a service request of signing the campus card;
step 3, the financial system compares the received campus card information with information prestored in the bank, and if the information is matched, the campus card signs successfully;
step 4, initiating a load request service by using the campus card, and loading the balance in the financial card corresponding to the campus card by the financial system;
and 5, successfully earning the credit by the bank system, and recharging the campus card by the campus card system.
Preferably, in step 2, the campus card holder binds the campus card with the financial card held by the campus card holder to generate campus card information, including campus card number, and the financial card number, the identity card number and the account name information bound with the campus card number;
the campus card system sends the campus card information to the financial system;
the financial system calls an identity card number and account name information corresponding to the financial card according to the card number of the financial card, compares the called identity card number and account name information with the identity card number and account name information sent by the campus card, and finishes signing the campus card if the information is the same;
if not, the signing failure information is returned to the campus card system, and the financial transaction initiated by the campus card is not received.
Preferably, the message body of the campus card information is encrypted by adopting a 3DES algorithm and then sent to the financial system after being encrypted.
Preferably, each field of the message body adopts a fixed-length data format, the fixed-length data items are not enough, and a format of 0x00 is filled by adopting left alignment.
Preferably, in step 3, the campus card cardholder uses the campus card to initiate a load request on the load machine, and the financial system loads the balance of the financial card bound by the campus card to the campus card according to the load request.
Preferably, the method further comprises the following steps:
the campus card system sends the campus card needing sign-off to the financial system, and the bank system does not accept the transaction request sent by the campus card after sign-off.
Preferably, the campus card sign-off method is as follows:
the campus card system sends the card number of the campus card to be signed off, and the financial card number, the identification number and the account name information associated with the campus card to the financial system, the financial system calls the prestored information associated with the campus card number, and if the called information is consistent with the information sent by the campus card system, the campus card system finishes signing off;
and if the information is inconsistent, sending sign-off failure information to the campus card system.
A system of a campus card financial settlement method is characterized by comprising a sign-in module, a signing module and a load module;
the check-in module is used for the campus card system to check in to the financial system, and the financial system accepts the service request sent by the campus card system after the check-in;
the signing module is used for sending the campus card and the saving card information related to the campus card to a financial system for signing, and the financial system accepts a service request sent by the campus card after signing;
and the load module is used for initiating a load request service for the campus card and recharging the campus card through the campus card system.
Preferably, the system further comprises an sign-off module, which is used for sending the campus card and the financial card information related to the campus card to the financial system for sign-off, and the financial system does not accept the service request sent by the campus card after signing.
Compared with the prior art, the invention has the following beneficial technical effects:
the campus card financial settlement method provided by the invention is characterized in that a campus card system and a financial system are signed, the campus card and the financial system are signed by the signed campus card system, the financial system accepts a request service of the campus card after the signing is successful, a cardholder uses a campus card lap-up deposit request service, the financial system lapses a balance in the financial card corresponding to the campus card system, transfer of bank account funds of the cardholder to a campus card account is realized by using a computer network and terminal equipment, an original manual cash deposit mode of the campus card system is converted into fund transfer between a bank card and a campus card operated by the cardholder, the problem of charge of the financial system and a campus card financial settlement process is solved, and the transfer efficiency between the campus card and a deposit card is improved.
Drawings
FIG. 1 is a flow chart of a check-in of the campus card system of the present invention;
FIG. 2 is a flow chart of a campus card subscription according to the present invention;
FIG. 3 is a flow chart of a campus card load of the present invention;
FIG. 4 is a flow chart of the total earmark amount summary of the present invention;
FIG. 5 is a flowchart of detailed checking of the credit balance of the issue;
FIG. 6 is a flow chart of the campus card sign-off process.
Detailed Description
The present invention will now be described in further detail with reference to the attached drawings, which are illustrative, but not limiting, of the present invention.
Referring to fig. 1-6, a campus card financial settlement method, applied to a school client and a bank server, includes the following steps:
step 1, the campus card system signs in to the bank system.
And if the check-in is successful, the bank system accepts the financial transaction sent by the campus card system, and if the check-in is not successful, the bank system does not accept the financial transaction sent by the campus card system.
And 2, submitting the campus card information to a bank for signing through a campus card system.
The campus card information comprises a campus card number, and a deposit card number, an identity card number and account name information bound with the campus card information, a campus card system initiates a signing transaction, the deposit card number, the campus card number, the identity card number and the account name information are sent to a bank, and a message body of the transaction information is encrypted by adopting a 3DES algorithm, so that the safety of information transmission is ensured.
The length of the message value is fixed with 5 bits, and the left side of the message value is supplemented with 0 when the length of the message value is less than 5 bits. The length value is the message header + the message body (the length of the message body is not included). The newspaper body adopts a fixed-length data format, and if no special description exists, the data items adopt a left-aligned and filled 0x00 format.
And 3, comparing the received campus card information with information prestored in the bank by the bank, and successfully signing the campus card when the information is matched.
Specifically, the campus card cardholder associates the campus card with its own bank debit card (deposit card) in the campus card system, and it should be noted that if the campus card does not establish an association relationship with the bank debit card, the campus card cannot handle the earmark service.
Then, the campus card system initiates signing transaction, sends campus card number and the related deposit card number, identification card number and account number information to the bank system, the bank calls the bank card account number and identification card number in the bank system according to the deposit card number, compares the called bank card account number and identification card number with the bank card account number and identification card number sent by the campus card, if the information is consistent with the campus card sending information, completes signing of the campus card, after signing success, the bank accepts financial transaction initiated by the campus card, if the information is inconsistent, returns signing failure information to the campus card system, and does not receive financial transaction initiated by the campus card.
And 4, initiating a loading request service by using the campus card, initiating a loading request on a loading machine deployed in the school by the cardholder, receiving the loading request by the bank, performing transfer transaction after legality verification is completed, transferring corresponding amount from a signed deposit card account of the cardholder to a settlement account of the school, and loading the corresponding amount into the campus card by the campus card loading machine after the transaction is successful.
Specifically, the campus card holder uses the campus card to initiate a load request service on a load machine, a message body is encrypted by adopting a 3DES algorithm, and the balance of the bank card is loaded to the campus card.
When the bank terminal processes errors or the network superconducting campus card system does not receive return information within a set time, the campus card system automatically initiates the transaction to be orthogonal and easily carries out the financial transaction.
Step 5, the bank system successfully loads the credit, and the campus card system charges the campus card;
and 6, initiating detail downloading by the campus card system after the day is over, and checking the details.
The process in the account transfer transaction ensures that a corresponding campus card is charged in the campus card system only if a bank transfers accounts from a customer deposit card to a school settlement account, so that the account checking only has the conditions that the bank transfers successfully and the campus card system does not charge. The campus card system generates a write-back card record in the system according to the condition of inconsistent account checking, and the campus card holder can write the amount of money transferred into the card in a management center.
And 7, the campus card system sends the campus card needing sign-off to the bank system. After the sign-off, the bank system does not accept all transactions sent by the signed-off campus card.
Specifically, the campus card system sends the card number of the campus card needing sign-off, and the deposit card number, the identification number and the account name information associated with the card number to a bank, the bank calls the information which is pre-stored in the bank system and is associated with the campus card number, if the called information is consistent with the information sent by the campus card system, sign-off is completed, the bank does not accept financial transactions initiated by the campus card after sign-off, and if the information is inconsistent, the information which fails sign-off is sent to the campus card system.
In the method, in order to avoid inconsistency of communication interfaces caused by differences of operating systems, the TCP/IP short connection is used as a basic communication mode, the communication message adopts a pure character stream message, and the message and the file transmission both adopt a synchronous mode.
A campus card financial settlement system comprises a sign-in module, a signing module, a load module, a proofreading module and a sign-off module.
And the sign-in module is used for the campus card system to sign in to the bank system, and the bank system accepts the service request sent by the campus card system after the sign-in.
And the signing module is used for sending the campus card and the deposit card information related to the campus card to a bank for signing, and the bank accepts the service request sent by the campus card after signing.
And the load module is used for initiating a load request service for the campus card and recharging the campus card through the campus card system.
And the checking module is used for collecting the total amount of the campus collar storage on a single day, and when the collected amount is inconsistent with the detail, the campus card system initiates the detail downloading and carries out the detail checking by the campus card system.
And the sign-off module is used for sending the campus card and the information of the deposit card related to the campus card to a bank for sign-off, and the bank does not accept the service request sent by the campus card after signing.
The campus card financial settlement method provided by the invention realizes transfer of bank account funds of a cardholder to a campus card account, and converts the original manual cash deposit mode of a campus card system into fund transfer between a bank card and a campus card operated by the cardholder in a self-service manner. The earmark system is connected with the campus card system, the earmark machine and the bank system, signing, earmark, correcting and reconciliation of the campus card and the bank card are completed, manpower resources for cash deposit of the campus card are saved, meanwhile, 7 multiplied by 24 hours of service is provided for campus card users, and the transfer efficiency between the campus card and the deposit card is improved.
The above-mentioned contents are only for illustrating the technical idea of the present invention, and the protection scope of the present invention is not limited thereby, and any modification made on the basis of the technical idea of the present invention falls within the protection scope of the claims of the present invention.
Claims (9)
1. A campus card financial settlement method is used for a campus card system and a financial system, and is characterized by comprising the following steps:
step 1, enabling a campus card system to sign in to a financial system, and enabling the financial system to accept a service request initiated by the campus card system after the campus card system signs in;
step 2, adopting a campus card system to sign a contract between campus card information and a financial system, and the financial system accepts a service request of signing the campus card;
step 3, the financial system compares the received campus card information with information prestored in the bank, and if the information is matched, the campus card signs successfully;
step 4, initiating a load request service by using the campus card, and loading the balance in the financial card corresponding to the campus card by the financial system;
and 5, successfully earning the credit by the bank system, and recharging the campus card by the campus card system.
2. The campus card financial settlement method of claim 1, wherein in step 2, the campus card holder binds the campus card with the financial card held by the campus card holder to generate campus card information, including campus card number, and the financial card number, identification number and account name information bound to the campus card number;
the campus card system sends the campus card information to the financial system;
the financial system calls an identity card number and account name information corresponding to the financial card according to the card number of the financial card, compares the called identity card number and account name information with the identity card number and account name information sent by the campus card, and finishes signing the campus card if the information is the same;
if not, the signing failure information is returned to the campus card system, and the financial transaction initiated by the campus card is not received.
3. The campus card financial settlement method of claim 1, wherein the body of the campus card information is encrypted by a 3DES algorithm and then sent to a financial system after encryption.
4. The campus card financial settlement method of claim 3, wherein the message body fields are in fixed length data format, are left aligned with less than fixed length data items, and fill in a format of 0x 00.
5. The campus card financial settlement method of claim 1, wherein in step 3, the campus card holder initiates a load request on the load machine using the campus card, and the financial system loads the balance of the financial card bound to the campus card according to the load request.
6. The campus card financial settlement method of claim 1, further comprising the steps of:
the campus card system sends the campus card needing sign-off to the financial system, and the bank system does not accept the transaction request sent by the campus card after sign-off.
7. The campus card financial settlement method of claim 6, wherein the campus card sign-off method comprises:
the campus card system sends the card number of the campus card to be signed off, and the financial card number, the identification number and the account name information associated with the campus card to the financial system, the financial system calls the prestored information associated with the campus card number, and if the called information is consistent with the information sent by the campus card system, the campus card system finishes signing off;
and if the information is inconsistent, sending sign-off failure information to the campus card system.
8. A campus card financial settlement method system based on any one of claims 1 to 7, characterized by comprising a sign-in module, a sign-up module and a load module;
the check-in module is used for the campus card system to check in to the financial system, and the financial system accepts the service request sent by the campus card system after the check-in;
the signing module is used for sending the campus card and the saving card information related to the campus card to a financial system for signing, and the financial system accepts a service request sent by the campus card after signing;
and the load module is used for initiating a load request service for the campus card and recharging the campus card through the campus card system.
9. The system according to claim 8, further comprising a sign-off module for sending the campus card and the financial card information associated therewith to the financial system for sign-off, after signing up, the financial system does not accept any service request sent by the campus card.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011327797.8A CN112465511A (en) | 2020-11-24 | 2020-11-24 | Campus card financial settlement method and system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011327797.8A CN112465511A (en) | 2020-11-24 | 2020-11-24 | Campus card financial settlement method and system |
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| CN112465511A true CN112465511A (en) | 2021-03-09 |
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| CN202011327797.8A Pending CN112465511A (en) | 2020-11-24 | 2020-11-24 | Campus card financial settlement method and system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114445976A (en) * | 2022-01-28 | 2022-05-06 | 深圳供电局有限公司 | Face brushing payment method and system based on IOT terminal of power intelligent service |
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| US20050021363A1 (en) * | 2003-07-25 | 2005-01-27 | Stimson Gregory F. | Debit card per-transaction charitable contribution |
| CN106504144A (en) * | 2016-10-19 | 2017-03-15 | 中国矿业大学 | A kind of campus service system based on cloud computing and mobile phone terminal |
| CN110555681A (en) * | 2019-08-01 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Bank card signing method, device, server and medium |
| CN111768206A (en) * | 2020-07-03 | 2020-10-13 | 中国农业银行股份有限公司贵州省分行 | Method for loading and saving campus card by bank card |
-
2020
- 2020-11-24 CN CN202011327797.8A patent/CN112465511A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20050021363A1 (en) * | 2003-07-25 | 2005-01-27 | Stimson Gregory F. | Debit card per-transaction charitable contribution |
| CN106504144A (en) * | 2016-10-19 | 2017-03-15 | 中国矿业大学 | A kind of campus service system based on cloud computing and mobile phone terminal |
| CN110555681A (en) * | 2019-08-01 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Bank card signing method, device, server and medium |
| CN111768206A (en) * | 2020-07-03 | 2020-10-13 | 中国农业银行股份有限公司贵州省分行 | Method for loading and saving campus card by bank card |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114445976A (en) * | 2022-01-28 | 2022-05-06 | 深圳供电局有限公司 | Face brushing payment method and system based on IOT terminal of power intelligent service |
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