CN201804386U - Equipment for manufacturing commercial prepaid cards - Google Patents
Equipment for manufacturing commercial prepaid cards Download PDFInfo
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- CN201804386U CN201804386U CN2010205163746U CN201020516374U CN201804386U CN 201804386 U CN201804386 U CN 201804386U CN 2010205163746 U CN2010205163746 U CN 2010205163746U CN 201020516374 U CN201020516374 U CN 201020516374U CN 201804386 U CN201804386 U CN 201804386U
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Abstract
The utility model provides equipment for manufacturing commercial prepaid cards, which comprises a bank teller terminal, a bank server, a business/enterprises card-issuing server, a business/customer communication front-end processor, and card transaction terminals, wherein the bank teller terminal is connected with the bank server via a bank internal network; the bank server is connected with the business/enterprises card-issuing server and the business/customer communication front-end processor via a bank/enterprises dedicated network; and the business/customer communication front-end processor is connected with the card transaction terminals. By adopting the equipment for manufacturing the commercial prepaid cards, various commercial prepaid cards can be flexibly, rapidly and safely configured and manufactured through banks as issuing agents.
Description
Technical field
The utility model is about bank card fabrication technical field, about the fabrication technology based on the commercial prepaid card of banking system, is a kind of commercial prepaid card card maker specifically particularly.
Background technology
A kind of cash equivalent Payment Card that the financial hair fastener unit of commercial prepaid card right and wrong provides to the client.Hair fastener unit is to the advance certain fund of client's (purchasing the card people), and the product or the servicing rights information of this fund counter value are stored with magnetic medium, chip card or other forms.The holder can obtain products ﹠ services in particular merchant with the right information of card record.
In the prior art, prepaid card all is by hair fastener unit or trade company's fabrication and maintenance voluntarily, there is following defective in the prepaid card systems of this fabrication voluntarily and maintenance: security, the less stable of (one) prepaid card systems, especially aspect the hardware net security control, for example all there is big potential safety hazard at aspects such as the transmission of transaction terminal, transaction sensitive data, data storage.(2), there is the risk of account fund loss for the holder.Existing prepaid card tupe, the account balance of prepaid card is stored in the commerce system, the holder is to after sticking into capable supplementing with money, card account fund is then controlled by trade company fully, the advance receipt that the holder does not consume as yet can arbitrarily be diverted by trade company, in case problems of operation appears in trade company, may there be the risk that can't cash in the prepaid card in the staff that holds.(3) for trade company, infusion of financial resources has a big risk, and plant factor is low.Because prepaid card systems lacks unified standard, various prepaid card function difference are very big, the prepaid card systems of the necessary development and maintenance oneself of trade company and purchase relevant hardware equipment, this mode fund input is big, system and plant factor are low, and part trade company (especially middle-size and small-size trade company) can't issue the prepaid card of oneself because fund input is too big.
The utility model content
The utility model embodiment provides a kind of commercial prepaid card card maker, by bank's prepaid card of issuing as agent, to realize disposing flexibly, fast and safely and making various commercial prepaid cards.
The purpose of this utility model is, a kind of commercial prepaid card card maker is provided, and this equipment comprises: bank teller terminal, bank server, commercial business's card issuer server, trade company's prepositive communication computer and card transaction terminal; Bank teller terminal is connected with bank server by bank's internal network; Bank server is connected with commercial business's card issuer server and trade company's prepositive communication computer respectively by bank's dedicated network; Trade company's prepositive communication computer is connected with card transaction terminal.
Commercial business's card issuer server comprises: the fabrication data sink is used to receive the fabrication data that bank server is sent; The fabrication data decryption apparatus is connected with the fabrication data sink, is used to decipher the fabrication data; Punched-card machine is connected with the fabrication data decryption apparatus, is used to print prepaid card.
Trade company's prepositive communication computer comprises: network communication device and transaction data format conversion apparatus; Network communication device is connected with the transaction data format conversion apparatus; The transaction data format conversion apparatus is converted to the card transaction terminal formatted data with the banking system formatted data, and the card transaction terminal formatted data is converted to the banking system formatted data; Network communication device, the banking system formatted data that bank server is transmitted sends the transaction data format conversion apparatus to, the card transaction terminal formatted data that card transaction terminal is transmitted sends the transaction data format conversion apparatus to, send the card transaction terminal formatted data of transaction data format conversion apparatus conversion to card transaction terminal, the banking system formatted data that the transaction data format conversion apparatus is changed sends bank server to.
Trade company's prepositive communication computer is connected with a plurality of card transaction terminals.
Commercial prepaid card card maker of the present utility model can improve security, the stability of prepaid card fabrication and transaction, and enlarges commercial prepaid card usable range, significantly reduces hair fastener unit's fund cost.Under the situation that the commercial standing of the middle-size and small-size hair fastener unit of also effective solution is not simultaneously established as yet, the problem that can't issue commercial prepaid card on a large scale.And can dispose and print commercial prepaid card flexibly apace at the demand of different hair fastener units (commercial business).
Description of drawings
In order to be illustrated more clearly in the utility model embodiment or technical scheme of the prior art, to do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below, apparently, accompanying drawing in describing below only is embodiment more of the present utility model, for those skilled in the art, under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the structured flowchart of the commercial prepaid card card maker of the utility model embodiment;
Fig. 2 is the structured flowchart of the bank server of the utility model embodiment;
Fig. 3 is the structured flowchart of the utility model commercial business card issuer server;
Fig. 4 is the structured flowchart of the utility model trade company prepositive communication computer;
Fig. 5 is the hair fastener workflow diagram of the utility model equipment;
Fig. 6 is the prepaid card payment flow figure of the utility model equipment;
Fig. 7 is the prepaid card fund processing flow chart of the utility model equipment.
Embodiment
Below in conjunction with the accompanying drawing among the utility model embodiment, the technical scheme among the utility model embodiment is clearly and completely described, obviously, described embodiment only is the utility model part embodiment, rather than whole embodiment.Based on the embodiment in the utility model, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all belong to the scope of the utility model protection.
As shown in Figure 1, a kind of commercial prepaid card card maker that provides of the utility model embodiment comprises: bank teller terminal 101, bank server 103, commercial business's card issuer server 105, trade company's prepositive communication computer 106 and card transaction terminal (107a, 107b and 107c); Bank teller terminal 101 is connected with bank server 103 by bank's internal network 102; Bank server 103 is connected with commercial business's card issuer server 105 and trade company's prepositive communication computer 106 respectively by bank's dedicated network 104; Trade company's prepositive communication computer 106 is connected with card transaction terminal (107a, 107b and 107c).
As shown in Figure 2, bank server 103 comprises a plurality of interfaces (1036a, 1036b and 1036c), interface recognition device 1035, data application apparatus 1034, data storage device 1033, clearance treating apparatus 1032 and data analysis set-up 1031.
Data analysis set-up 1031 is according to the customer information of storage in the data storage device 1033, and transaction record provides every statistical study, performance analysis data for hair fastener unit, bank, trade company.
The concrete treatment scheme of bank server 103 is, receive the transaction request of transaction terminals (107a, 107b or 107c) by trade company's prepositive communication computer 106 after, trigger interface recognition device 1035.Interface recognition device 1035 identifies type of transaction, calls the main control unit of data application apparatus 1034.The main control unit of data application apparatus 1034 is according to the transaction classification, select corresponding processing unit, activate, consume processing, handling return, query processing etc. as hair fastener unit management, application to get prepaid card, prepaid card, and from data storage device 1033 reading corresponding data, carry out corresponding calculated, judgement, more processing such as new data according to decision logic, the operation steps of processing unit again.After transaction processing finished, bank server 103 was given transaction terminal (107a, 107b or 107c) by trade company's prepositive communication computer 106 with the information of transaction processing success or failure.In the clearance cycle, bank server 103 triggers clearance treating apparatus 1032 automatically, and according to clearance holder's in the cycle consumption record, the clearance of finishing between holder, hair fastener unit, the trade company is cashed processing.In the statistical study cycle, bank server 103 automatic trigger data analytical equipments 1031, according to the customer information of storage in the data storage device 1033, transaction record provides every statistical study, performance analysis data for hair fastener unit, bank, trade company.
As shown in Figure 3, commercial business's card issuer server 105 comprises: fabrication data sink 1051 is used to receive the fabrication data that bank server is sent; Fabrication data decryption apparatus 1052 is connected with the fabrication data sink, is used to decipher the fabrication data; Punched-card machine 1053 is connected with the fabrication data decryption apparatus, is used to print prepaid card.Commercial business's card issuer server 105 is the non-financial institution of distribution prepaid card or the server of trade company, is mainly used in and receives the card manufacturing file that bank server 103 generates, and finishes the prepaid card fabrication and handles.
As shown in Figure 4, trade company's prepositive communication computer 106 comprises: network communication device 1061, transaction terminal attending device 1062, transaction data format conversion apparatus 1063 and transaction data accounting checking device 1064.
Trade company's prepositive communication computer 106 is front end processors that connect bank and merchant transaction terminal, is responsible for the maintenance and management of transaction terminal, finishes the functions such as data forwarding, transaction data accounting checking of prepaid card transactions.Transaction terminal attending device 1062 is responsible for all kinds of access terminal equipments are carried out unified management.Transaction data format conversion apparatus 1063 is responsible for receiving the transaction request of transaction terminal, transforms message format, sends transaction request to bank server by data link and handles, and is responsible for receiving return message simultaneously and sends transaction terminal to.Transaction data accounting checking device 1064 is responsible for generating the terminal transaction data and is used for carrying out reconciliation process with the bank server data.
In Fig. 1, card transaction terminal (107a, 107b or 107c) sends transaction request to bank server 103 by trade company's prepositive communication computer 106, card transaction terminal (107a, 107b or 107c) comprises specialized equipment terminals such as Internet PC, Possum (POS), bank be interconnected, finishes processing such as the enabling of prepaid card, consumption.
In Fig. 1, bank teller terminal 101 is responsible for prepaid card transactions parameter and the various archive informations of typing, and archive information mainly comprises hair fastener unit's archives, trade company's archives, transaction terminal archives etc.
In the actual application of present embodiment, the hair fastener of prepaid card and fund often relate to the four directions, i.e. bank (or financial institution), hair fastener company (commercial business), trade company, holder.Fabrication is generally acted on behalf of by special hair fastener company by trade company, and pays corresponding fabrication expense and give hair fastener company; Hair fastener company is to bank application hair fastener in batches, and hair fastener data (comprising the amount of money of card and quantity etc.) are provided, and trade company deposits in franchised business's margin account and the corresponding guaranty money of card; Bank generates the fabrication data file by system host, carries out the physics fabrication by hair fastener company again; The prepaid card of making is sold to the holder by the various marketing channel of trade company, and the consumption face amount amount of money of prepaid card that the holder buys equals prepaid card main frame account balance.
For clearer explanation present embodiment work disposal flow process, describe below in conjunction with accompanying drawing:
As shown in Figure 5, prepaid card hair fastener process flow diagram, step is as follows:
Step a1: bank cashier is by selling information such as teller terminal typing hair fastener unit, trade company's archives, and associated profiles information is saved in the archives storage unit of system host; Bank cashier is by the cooperation agreement information of teller terminal typing hair fastener unit, trade company, the tripartite signature of bank, and protocol information is saved in the parameter and the protocol information storage unit of system host;
Step a2: bank teller terminal sends to bank server with selling information;
Step a3: the commercial prepaid card that the card issuer server of hair fastener unit is signed an agreement to bank server application distribution, hair fastener data (comprising the amount of money of card and quantity etc.) are provided, trade company deposits the hair fastener Reserve Fund in franchised business's clearing account in simultaneously.
Step a4: bank generates files such as prepaid card account, medium according to prepaid card application request call fabrication processing unit in system, be kept at respectively in account storage unit, the medium memory unit; Read franchised business's archive information in the archives storage unit, obtain the guaranty money of franchised business number of the account, the hair fastener amount of money is cleared to franchised business's margin account by franchised business according to card application quantity, the amount of money; Call the fabrication processing unit and generate the fabrication associated documents, pass to card issuer server after card manufacturing file is encrypted.
Step a5: after the fabrication data decryption apparatus of card issuer server is deciphered card manufacturing file, send data to punched-card machine and carry out physics fabrication processing.
Step a6: fabrication.
The client is from the merchant purchasing prepaid card, and provides to trade company and to purchase card information (as prepaid card quantity, the amount of money is purchased card people information etc.), and the personnel of trade company activate prepaid card by transaction terminal, and the registration cardholder information, enable corresponding card account and card media.
As shown in Figure 6, prepaid card consumption flow process is as follows:
Step b1: the holder holds prepayment and snaps into bank service channels such as trade company, online shopping mall and consume, and by transaction terminal input transaction data, comprises information such as card number, consumption classification (purchase and consumption, draw cash, transfer accounts etc.), payment, clip pin.
Step b2: transaction terminal sends to trade company's prepositive communication computer with the transaction data of importing and carries out data-switching also;
Step b3: trade company's prepositive communication computer carries out Data Format Transform to be handled;
Step b4: the data transmission after trade company's prepositive communication computer is handled Data Format Transform is given the interface of bank server;
Step b5: the interface of bank server receives data, aspects such as form to the input transaction data are checked, and handle to the data application apparatus data forwarding, and call the transaction processing unit transaction data and prepaid card account, card account status, the term of validity, password, account balance etc. are checked, if check by detain account, processing such as more neocaine account balance, and log generate the consumption result;
Step b6: bank server will be consumed result and send trade company's prepositive communication computer to;
Step b7: trade company's prepositive communication computer carries out Data Format Transform to be handled;
Step b 8: the data transmission after trade company's prepositive communication computer is handled Data Format Transform is given consumption terminal.
As shown in Figure 7, prepaid card fund treatment scheme is as follows:
Step c 1: the clearance treating apparatus of bank server carries out batch processing to the prepaid card transactions data every day, according to the transaction log in the Transaction Information storage unit, carry out the amount of money by consumption trade company, the consumption type of prepaid card and gather, generate prepaid card and clear the file that keeps accounts.
Step c2: the clearance treating apparatus of bank server is resolved transaction log, and according to protocol information, finishes the inner related financial of bank and handle, as trade company's return commission, relevant service charge etc.
Step c3: franchised business's archive information in the clearance treating apparatus reading of data memory storage of bank server, obtain franchised business's margin account, from the margin account of the franchised business of correspondence, deduct this franchised business on the same day according to prepayment buckle account file under prepaid card transactions gather the amount of money.
Step c4: the clearance treating apparatus of bank server reads franchised business's archive information in the archives storage unit, obtain franchised business's clearance number of the account, each prepaid card is cleared to each franchised business's clearing account after the consumption amount of money deduction trade company return commission of trade company, relevant service charge according to prepayment buckle account file.
Commercial prepaid card card maker of the present utility model can improve security, the stability of prepaid card fabrication and transaction, and enlarges commercial prepaid card usable range, significantly reduces hair fastener unit's fund cost.Under the situation that the commercial standing of the middle-size and small-size hair fastener unit of also effective solution is not simultaneously established as yet, the problem that can't issue commercial prepaid card on a large scale.And can dispose and print commercial prepaid card flexibly apace at the demand of different hair fastener units (commercial business).
Used specific embodiment in the utility model principle of the present utility model and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present utility model and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present utility model, the part that all can change in specific embodiments and applications, in sum, this description should not be construed as restriction of the present utility model.
Claims (4)
1. a commercial prepaid card card maker is characterized in that described equipment comprises: bank teller terminal, bank server, commercial business's card issuer server, trade company's prepositive communication computer and card transaction terminal;
Described bank teller terminal is connected with described bank server by bank's internal network;
Described bank server is connected with described commercial business card issuer server and described trade company prepositive communication computer respectively by bank's dedicated network;
Described trade company prepositive communication computer is connected with described card transaction terminal.
2. commercial prepaid card card maker according to claim 1 is characterized in that, described commercial business card issuer server comprises:
The fabrication data sink is used to receive the fabrication data that described bank server is sent;
The fabrication data decryption apparatus is connected with described fabrication data sink, is used to decipher described fabrication data;
Punched-card machine is connected with described fabrication data decryption apparatus, is used to print described prepaid card.
3. commercial prepaid card card maker according to claim 1 is characterized in that, described trade company prepositive communication computer comprises: network communication device and transaction data format conversion apparatus;
Described network communication device is connected with described transaction data format conversion apparatus;
Described transaction data format conversion apparatus is converted to the card transaction terminal formatted data with the banking system formatted data, and the card transaction terminal formatted data is converted to the banking system formatted data;
Described network communication device, the banking system formatted data that described bank server is transmitted sends described transaction data format conversion apparatus to, the card transaction terminal formatted data that card transaction terminal is transmitted sends described transaction data format conversion apparatus to, send the card transaction terminal formatted data of described transaction data format conversion apparatus conversion to described card transaction terminal, the banking system formatted data that described transaction data format conversion apparatus is changed sends described bank server to.
4. commercial prepaid card card maker according to claim 1 is characterized in that, described trade company prepositive communication computer is connected with a plurality of described card transaction terminals.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
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CN2010205163746U CN201804386U (en) | 2010-09-02 | 2010-09-02 | Equipment for manufacturing commercial prepaid cards |
Applications Claiming Priority (1)
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CN2010205163746U CN201804386U (en) | 2010-09-02 | 2010-09-02 | Equipment for manufacturing commercial prepaid cards |
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CN201804386U true CN201804386U (en) | 2011-04-20 |
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CN2010205163746U Expired - Lifetime CN201804386U (en) | 2010-09-02 | 2010-09-02 | Equipment for manufacturing commercial prepaid cards |
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Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN111464295A (en) * | 2020-03-30 | 2020-07-28 | 中国工商银行股份有限公司 | Bank card making method and device |
CN111951016A (en) * | 2020-08-13 | 2020-11-17 | 中国工商银行股份有限公司 | Merchant protocol subscription storage method and device |
-
2010
- 2010-09-02 CN CN2010205163746U patent/CN201804386U/en not_active Expired - Lifetime
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN111464295A (en) * | 2020-03-30 | 2020-07-28 | 中国工商银行股份有限公司 | Bank card making method and device |
CN111464295B (en) * | 2020-03-30 | 2022-11-15 | 中国工商银行股份有限公司 | Bank card making method and device |
CN111951016A (en) * | 2020-08-13 | 2020-11-17 | 中国工商银行股份有限公司 | Merchant protocol subscription storage method and device |
CN111951016B (en) * | 2020-08-13 | 2023-09-15 | 中国工商银行股份有限公司 | Merchant agreement subscription storage method and device |
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Legal Events
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GR01 | Patent grant | ||
CX01 | Expiry of patent term |
Granted publication date: 20110420 |
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CX01 | Expiry of patent term |