CN1383100A - Consumption card accounts settling method of using electronic purse - Google Patents
Consumption card accounts settling method of using electronic purse Download PDFInfo
- Publication number
- CN1383100A CN1383100A CN01124237A CN01124237A CN1383100A CN 1383100 A CN1383100 A CN 1383100A CN 01124237 A CN01124237 A CN 01124237A CN 01124237 A CN01124237 A CN 01124237A CN 1383100 A CN1383100 A CN 1383100A
- Authority
- CN
- China
- Prior art keywords
- operator
- card
- stored value
- value card
- consumption
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
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Classifications
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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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- 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
Abstract
A method for charging a client card, more specifically, the invention relates to a charging method in the case of charging device or electronic wallet is lost or both of which are lost by operator, only after discriminating between the electronic wallet and a calculating center is performing, the power is switched on at any moment, the charging device is operated, and only after the personal identification code is checked the same with that in the electronic wallet of the operator, the electronic wallet is operated, thus a stable security system is retained.
Description
Technical field
In general, the present invention relates to method that consumption card is checked out, specifically, lose check out devices, stored value card even relate to a kind of operator, perhaps they the two lost together, by the operation check out devices, only in energized at any time, realize finishing under the situation of affirmation between stored value card and the settlement center, and, by the operation stored value card, when only the personally identifiable information who is write is the same, just can keep the method that consumption card is checked out of stable security system in the personally identifiable information who is received and operator's stored value card.
Background technology
Known just like those people that are familiar with this area, stored value card is a kind of smart card of developing for the inconvenience that overcomes magnetic card, and magnetic card needs the user to carry several cards according to service, also needs to prepare the multiple card system that is suitable for these services.Stored value card has functions such as data processing, Cipher Processing, stores the function of money number information in addition in addition.
According to prior art, the operator operates check out devices, give such as consumption card checkouts such as debit card and transportation cards, accounting device is installed in the place of petty trade mechanism or card checkout, what at first will consider is, the operator opens number of the account in the bank of appointment, and this number of the account has deposited enough amount of money in, needs to be suitable for clearing house in the future.With after settlement center is connected, settlement center is connected check out devices with the computer network of bank, and the operator is transferred to the number that will settle accounts operator's stored value card from bank.When the consumer wanted to settle accounts his or her card, the operator was by the amount of money of stored value card clearing consumer wants to the consumption card clearing.
Yet the problem of this method is, and is stolen or when losing, other people may illegally settle accounts in stored value card or check out devices.
Summary of the invention
Therefore, consider the above-mentioned problems in the prior art and make the present invention that purpose is to provide a kind of consumption card accounting method, particularly a kind of stored value card that utilizes needs the consumption card accounting method of amount of money in the clearing house safely and fast to consumption card.
For achieving the above object, the invention provides a kind of consumption card accounting method of the operator's of use stored value card, described stored value card is in order to the amount of money that settlement center shifted of storage by linking to each other with bank computer network, and described method comprises the steps: to differentiate that whether operator's stored value card is the operator's that registers in settlement center stored value card; The individual identification numbering that reception is set by the operator; And confirm whether the operator is the specified operator of this stored value card; If the operator is confirming the appointed operator of step, then the amount of money that the clearing house is needed is remembered on the consumption card from operator's stored value card.
Stored value card of the present invention is a kind of smart card, and size is identical with plug-in type IC chip with the smart card that can handle special duty, comprises the operating system, security module, storer of microprocessor, card etc.
So, the invention enables to need only energized, the operator just can confirm the safe condition of check out devices and stored value card by safe operation.Therefore, lose check out devices, stored value card even effect of the present invention is the operator, perhaps the two is lost together, also can keep stable security system.
Description of drawings
From the detailed description of doing below in conjunction with accompanying drawing, can more be expressly understood above-mentioned and other purpose, characteristics and advantage of the present invention.
Fig. 1 is the block scheme that expression the present invention uses the consumption card check out devices of operator's stored value card;
Fig. 2 is that expression the present invention uses the process flow diagram of stored value card to the consumption card checkout.
Embodiment
Following with reference to each accompanying drawing, wherein identical reference number is represented same or analogous constituent element among each figure.
The detailed description that the desirable operation of relevant the present invention is given an example is just like following.
Fig. 1 is the block scheme that expression the present invention uses the consumption card check out devices of operator's stored value card.As shown in Figure 1, check out devices of the present invention comprises: input media 100 is used to make the operator can import the cost data of clearing; Display device 101 is used to illustrate tally order (or guidance) and clearing state; First card reader 103, the person's that is used for the read operation stored value card 102; Second card reader 105 is used for writing in the card from consumption card 104 reading of data or with data; First memory storage 106 is used to store the program of check out devices; Second memory storage 107 is used for when finishing settlement dealing, the Transaction Details that storage is write down; Liaison device 110 is used for according to predetermined liaison method, transaction data is delivered to settlement center 109 on the network 108, and send and receive authentication information, so that obtain proof between operator's stored value card 102 and settlement center 109; And control device 111, be used to control each constituent element.
Operator's stored value card 102 is a kind of smart cards, has such as functions such as information stores, data processing and Cipher Processing, in order to store and to handle operator's deposit.It comprises the coding of registered uniqueness when buying it and consumer's individual identification numbering.
The operation and the memory storage of consumption card 104 are used for the information processing function, and it is identical with the function of contact card, and the consumer is with its paying traffic fee by using and carry out small-business and conclude the business easily.Yet consumption card 104 is a kind of non-contacting IC (integrated circuit) cards, and wherein the electric energy of chip is to be provided by the beam coupling with the card interior loop in the driver card, and utilizes electronic induction method and interface to get in touch; Perhaps it is a kind of combined smart card, and contact-type and non-contact type are combined.
Fig. 2 is that expression the present invention uses the process flow diagram of stored value card to the consumption card checkout.As shown in Figure 2, if supply of electrical energy, then when step S100, after the program initialization pattern of in according to first memory storage 106, being deposited, the information content in the control device 111 read operation person stored value cards 102.At step S101, control device 111 is connected with settlement center 109 by liaison device 110, makes operator's stored value card 102 and settlement center 109 can carry out predetermined authentication process.Settlement center is connected with the computer network of the bank of being registered, and the operator has the fixedly deposit of number in this bank in advance.Meanwhile, at step S102, control device 111 sends to settlement center 109 by described modulator-demodular unit with the unique code of operator's stored value card 102, according to whether receiving the operator's who confirms stored value card 102 registrations authentication information, confirm whether identify from settlement center 109.If do not obtain the information that described affirmation is identified, then at step S103, control device 111 sends the coding of above-mentioned uniqueness, calculate the number of times of qualification process, described qualification process confirms whether to receive proof information, and control device 111 judges that also whether the number of times that is calculated is greater than predetermined times.If do not surpass predetermined times, then control device 111 sends the coding of described uniqueness once more.Yet if control device 111 fails to obtain the evaluation greater than pre-determined number, it becomes locking mode by the state that makes check out devices from normal checkout mode switch, do not carry out Checkout Feature, so when next provided electric energy during inferior to step S104 once more, described equipment was not still worked.In order to make when check out devices is grabbed or lost check out devices, there is not operator's stored value card 102 just can not settle accounts, only in service centre, could remove this locking mode.
After the evaluation of 109 of the stored value card 102 that carries out the operator according to designed proof procedure and settlement center, control device 111 receives the individual identification numbering, confirm that whether the operator is the proper operation person of specified stored value card 102, in case have any stolen and lose, described numbering is when stored value card 102 is got in touch with settlement center 109, is set in advance by the operator.Then, at step S105, the identiflication number that writes in the stored value card 102 of control device 111 by the code that will be received and operator is compared, and confirms whether appointed operator is correct operator.If the identiflication number difference that is compared, then at step S106, control device 111 calculates the number of times of input again of individual identification numbering, and judges whether calculated number of times has surpassed predetermined times.If the number of times that calculates does not surpass predetermined times, then control device 111 converts operator's stored value card 102 and check out devices to locking mode from normal settlement mode, thereby even provide electric energy again at step S104 next time, this equipment is not worked yet.
If specified operator obtains differentiating that then at step S107, control device 111 converts normal settlement mode to, even in the off-line state that is not connected with settlement center 109,102 pairs of consumption cards of stored value card 104 that also can enough operators are settled accounts.
If for settling accounts consumption card 104 after the consumer obtains card, the operator inserts second card reader 105 to consumption card 104, then at step S108, control device 111 is by the unique code of relatively importing second card reader 105 and the unique code identification consumption card of storing in advance 104.When having discerned consumption card 104, then at step S109, control device 111 reads the information content in the consumption card 104 by second card reader 105, and require the operator import the number that will in consumption card 104, settle accounts, in addition, also show the remaining sum of consumption card 104.
After the number that step S110 operator input will be settled accounts, at step S111, control device 111 at first needs the number that deduction will be settled accounts from operator's stored value card 102, and be received in the information of step S112 clearing approval, after the deduction amount of money, settle accounts from stored value card 102 according to the deduction request.At step S113, control device 111 is according to the information clearing consumption card 104 of described clearing approval.Simultaneously, control device 111 is added to the clearing number by operator's input on the remaining sum of consumption card 104, and it is passed to second card reader 105.So second card reader is revised the sum of consumption card 104 to the number that is added.
When finishing settlement bargain, at step S114, control device 111 is stored in the details of transaction in second memory storage 107 as clearing approval information and transaction data.Simultaneously,, be connected with settlement center 109, they are uploaded automatically by communication link 110 if when being stored into trade detail in second memory storage 107 and surpassing the certain value (about 80%) of whole memory capacity.
As top described in detail, effect of the present invention is to settle accounts consumption card with stored value card.
Energized the invention enables as long as by the predetermined safe operation, just can make the user can confirm the safe condition of check out devices and stored value card.Therefore, lose check out devices, stored value card even effect of the present invention is the operator, perhaps the two all loses together, also can keep stable security system.
Though described the preferred embodiments of the present invention for the purpose of explanation, those those skilled in the art can understand, and various remodeling and additions and deletions all are possible, and unlikely disengaging is just like the scope of the invention and the marrow that disclose in appended each claim.
Claims (9)
1. consumption card accounts settling method that uses operator's stored value card, described stored value card are used to store the amount of money that shifts by the settlement center that links to each other with the computer network of bank, and described method comprises the steps:
Whether the stored value card of differentiating described operator is operator's stored value card of registering in settlement center;
Receive the individual identification numbering that the operator sets, and confirm whether the operator is the specified operator of this stored value card;
Confirming step, if the operator is appointed operator, then the amount of money that the clearing house is needed is remembered on consumption card from operator's stored value card.
2. the method for claim 1, it is characterized in that, described discriminating step is delivered to described settlement center with the unique code of operator's stored value card, and according to the unique code that is transmitted that is received, according to whether differentiating processing from the discriminating confirmation of settlement center's transmission.
3. method as claimed in claim 2, it is characterized in that, if do not receive described discriminating confirmation within the predetermined time, described discriminating step sends unique code again, and repeat to check that the discriminating of whether receiving described discriminating confirmation handles, if the number of times that calculates surpasses predetermined times, then calculate and differentiate the number of times of handling, and described operator's stored value card is set at locking mode.
4. method as claimed in claim 3 is characterized in that, described affirmation step comprises the steps: to receive by contacting given operator's individual identification numbering; Described individual identification numbering is compared with predetermined individual identification numbering; Described stored value card is set at the regular way settlement pattern, operator's stored value card is used for according to described comparative result clearing consumption card.
5. method as claimed in claim 4, it is characterized in that, if the identiflication number that is compared is different, described affirmation step repeats to confirm to handle, receive once more and more described individual identification numbering, and calculate the number of times of confirming processing, and, if the number of times that calculates surpasses predetermined times, then described check out devices and stored value card all are set at locking mode.
6. the method for claim 1 is characterized in that, described clearing step comprises the steps: to read the information content of described consumption card, to show the described information content; The amount of money that input will be settled accounts is so that settle accounts consumption card; The amount of money that the amount of money deduction of request from operator's stored value card will be settled accounts; According to the stored value card deduction of described deduction request from the operator, and reception is to the clearing approval information of consumption card; The aggregate amount of consumption card is updated to the amount of money of increase, promptly the amount of money that will settle accounts is added on the remaining sum of consumption card according to described clearing approval information, and the details of store transaction.
7. method as claimed in claim 6 is characterized in that, if the Transaction Details of described storage surpass certain capacity, then described storing step uploads to settlement center automatically with described Transaction Details.
8. the method for claim 1, it is characterized in that, described operator's stored value card is a kind of smart card, the unique code of its storing initial registration and consumer's individual identification numbering, it realizes detailed storage, data processing and Cipher Processing function, so that can store and handle operator's deposit.
9. the method for claim 1 is characterized in that, described consumption card is a kind of combined smart card, and contact-type and non-contact type are incorporated into wherein.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020010022824A KR20020083317A (en) | 2001-04-27 | 2001-04-27 | Method of charging client'smart card using electronic purse |
| KR200122824 | 2001-04-27 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1383100A true CN1383100A (en) | 2002-12-04 |
Family
ID=19708793
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN01124237A Pending CN1383100A (en) | 2001-04-27 | 2001-08-17 | Consumption card accounts settling method of using electronic purse |
Country Status (2)
| Country | Link |
|---|---|
| KR (1) | KR20020083317A (en) |
| CN (1) | CN1383100A (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101093594B (en) * | 2007-07-06 | 2010-07-07 | 普天信息技术研究院有限公司 | IC card, service data process system and method based on the IC card |
| CN101504783B (en) * | 2008-02-04 | 2010-09-22 | 中国移动通信集团公司 | Fee deducting method, device and system for electronic purse |
| CN101604467B (en) * | 2008-06-10 | 2011-03-16 | 关贸网路股份有限公司 | Method for processing consumer information |
| US7912789B2 (en) | 2004-07-22 | 2011-03-22 | Panasonic Corporation | Electronic value, electronic purse device, and system for using the same |
| CN101593383B (en) * | 2008-05-26 | 2013-05-15 | 中国移动通信集团公司 | Electronic purse control method, system and SIM card |
| CN103929398A (en) * | 2013-01-10 | 2014-07-16 | 中国银联股份有限公司 | Security information interaction system, device and method |
| WO2015081899A1 (en) * | 2013-12-08 | 2015-06-11 | 叶茂 | Digital token system for physical medium digitalization and physical store optimization |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100572067B1 (en) * | 2002-02-06 | 2006-04-18 | 엘지카드 주식회사 | Charging method and charging system for prepayment card |
| KR100811833B1 (en) | 2006-04-24 | 2008-03-10 | 주식회사 한국스마트카드 | Method and system for charging service fees, terminal for that service and charging/settlement center |
Family Cites Families (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5721781A (en) * | 1995-09-13 | 1998-02-24 | Microsoft Corporation | Authentication system and method for smart card transactions |
| KR19980021274A (en) * | 1996-09-12 | 1998-06-25 | 민문기 | Integrated Circuit Card Relay System for Internet |
| KR19980037017A (en) * | 1996-11-20 | 1998-08-05 | 양승택 | How to control multi-level operator usage using smart cards |
| JP3072987B2 (en) * | 1998-03-26 | 2000-08-07 | 日立ソフトウエアエンジニアリング株式会社 | User authentication method and IC card |
| KR100339823B1 (en) * | 2000-04-19 | 2002-06-07 | 이승동 | User identifying method and system and card via a communications network and a medium for recording that method |
| KR100408890B1 (en) * | 2000-06-20 | 2003-12-11 | 케이비 테크놀러지 (주) | Method for certificating an credit dealing using a multi-certificated path and system thereof |
| KR20020036481A (en) * | 2000-11-10 | 2002-05-16 | 김선섭 | Method for online type settlement using IC card |
-
2001
- 2001-04-27 KR KR1020010022824A patent/KR20020083317A/en not_active Application Discontinuation
- 2001-08-17 CN CN01124237A patent/CN1383100A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7912789B2 (en) | 2004-07-22 | 2011-03-22 | Panasonic Corporation | Electronic value, electronic purse device, and system for using the same |
| CN101093594B (en) * | 2007-07-06 | 2010-07-07 | 普天信息技术研究院有限公司 | IC card, service data process system and method based on the IC card |
| CN101504783B (en) * | 2008-02-04 | 2010-09-22 | 中国移动通信集团公司 | Fee deducting method, device and system for electronic purse |
| CN101593383B (en) * | 2008-05-26 | 2013-05-15 | 中国移动通信集团公司 | Electronic purse control method, system and SIM card |
| CN101604467B (en) * | 2008-06-10 | 2011-03-16 | 关贸网路股份有限公司 | Method for processing consumer information |
| CN103929398A (en) * | 2013-01-10 | 2014-07-16 | 中国银联股份有限公司 | Security information interaction system, device and method |
| CN103929398B (en) * | 2013-01-10 | 2017-12-08 | 中国银联股份有限公司 | Security information interaction system, device and method |
| WO2015081899A1 (en) * | 2013-12-08 | 2015-06-11 | 叶茂 | Digital token system for physical medium digitalization and physical store optimization |
Also Published As
| Publication number | Publication date |
|---|---|
| KR20020083317A (en) | 2002-11-02 |
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