TW201734906A - Method and system for banking transferring between electronic cash accounts of IC cards - Google Patents

Abstract

A method and a system for banking transfer between electronic cash accounts of IC cards are provided herein. The method includes reading an electronic cash account information of a transfer-out card; making an off-line purchase by debiting a purchase amount from the transfer-out card to generate transaction data; reading information of a transfer-in card and verifying whether a sum of an electronic cash balance and the purchase amount is not greater than a bank authorized amount, and generating a transaction message by composing account information of the transfer-in card and a credit for load if the sum is not greater than the bank authorized amount, otherwise determining the transfer has failed and performing an instant transfer to a bank account of the cardholder of the transfer-in card; performing a credit loading for a non-specified account of the transfer-in card, generating a credit for load message after performing the credit loading, and receiving a script command from the issuing bank to finish updating the electronic cash; and transferring the transaction data to the issuing bank for clearance.

Description

Method and system for transferring funds between IC card electronic cash accounts

The invention relates to the technical field of IC cards, in particular to a method and a system for transferring funds between electronic card accounts of an IC card.

At present, the application of electronic cash is increasingly widespread. However, for the existing electronic cash flow, it can only support several basic functions such as electronic cash deposit, electronic cash consumption and offline return. It is not able to support the electronic cash transfer function, which leads to frequent users. By mistake, the money is stored in the electronic cash account of the IC card (integrated circuit card) on the self-service device such as the ATM machine. As far as the existing process is concerned, if the user wants to re-take the money, he/she needs to go to the business hall to sell his electronic cash account. This greatly affects the cardholder's card experience, and may also make cardholders have a very bad impression of the new payment method of electronic cash, and even affect the further popularization of electronic cash.

In order to better solve the problem that the existing process does not support electronic cash transfer, the present invention proposes an IC card electronic cash transfer method and system, and the purpose is to hope that the cardholder may be in the above-mentioned misoperation, or the cardholder wishes to When your friends and family IC card electronic cash recharge does not want to go to the bank counter, you can use it to better improve the cardholder's electronic cash usage efficiency and user experience.

In order to achieve the above object, the present invention provides a method for transferring funds between electronic card accounts of an IC card, the method comprising: Step 1: reading the electronic cash account information of the transfer card; and step 2, offline consumption of the transferred card, deducting the transfer The amount of card spending is generated, and the transaction data is generated; in step 3, the information of the transferred card is read, and the sum of the electronic cash balance of the transferred card and the amount of the transferred card is less than or equal to the bank authorized electronic cash amount, if less than or equal to the bank Authorize the electronic cash limit, continue to step 4; if it is greater than the bank authorized electronic cash limit, determine that the transfer failed, and then transfer the current account of the bank card to the card account; step 4, will transfer to the card account and the deposit The amount constitutes a transaction message; in step 5, a non-designated account deposit transaction for transferring the card is generated, a loop message is generated after the circle transaction is completed, and a script command of the issuer bank is received to complete the update of the electronic cash; and step 6, the transaction is executed. The data is sent to the card organization or issuer for clearing.

In order to achieve the above object, the present invention also provides a system for transferring funds between electronic cash accounts of an IC card, the system comprising: a processing module, a proxy module, and a prepaid module; wherein the processing module is used for reading and transferring Card e-cash account information; the deduction module is used for offline consumption of the transfer card, deducting the amount of the transferred card, and generating transaction data; the processing module is also used for reading the transfer card information, the school Whether the sum of the electronic cash balance of the transfer card and the amount of the transferred card is less than or equal to the bank authorized electronic cash limit; if it is less than or equal to the bank authorized electronic cash limit, the prepaid module will transfer to the card account and deposit The amount constitutes a transaction message; if it is greater than the bank authorized electronic cash limit, it is determined that the transfer failed, and the instant transfer to the bank account of the transfer card is transferred; the prepaid module is also used to transfer the non-designated account of the card. A circular transaction, which generates a circular message after the completion of the transaction, and receives a script command from the issuing bank to complete the update of the electronic cash; the withholding module is also used to trade Material sent to the card issuer, organization or liquidation.

The method and system for transferring funds between electronic cash accounts of an IC card proposed by the present invention can increase the application scenario of balance transfer between electronic cash accounts without affecting the existing electronic cash operation process. It not only increases the cost of retrofitting, but also improves the user experience of e-cash, and effectively solves the problems of users' false recharge, electronic cash not supporting transfer, and low turnover rate. And by increasing the effective turnover rate of electronic cash, it is expected to further increase the enthusiasm of users of electronic cash (eg, Quick Pass).

The technical means adopted by the present invention for achieving the intended purpose of the invention are further described below in conjunction with the drawings and preferred embodiments of the invention.

In the embodiment of the present invention, the expressions of some terms are involved, which are first described as follows:

E-cash: It mainly refers to a micro-payment application based on debit/credit application designed to facilitate cardholders and their affiliated cardholders' small consumption. The initial balance of e-cash account is RMB 0, the highest The balance shall not exceed RMB 1,000 (inclusive), and the amount of single offline consumption shall not exceed RMB 200 (inclusive). The e-cash account balance limit or transaction limit may be set by Party A according to the relevant provisions of the state. Circulation: It means that the consumer usually withdraws cash from the bank account in the pocket for consumption payment, and becomes the direct storage (storage) of the money in the consumer bank account on the IC (integrated circuit) chip. Ie wallet.

In conjunction with FIG. 1, a flow chart of a method for transferring funds between electronic card accounts of an IC card according to an embodiment of the present invention is shown. As shown in Figure 1, the method includes:

Step S101, setting a transfer amount of the outgoing card, and a non-designated account support list; wherein, the debit card account that needs to participate in the withholding and prepaid operations in the service, and the current support for the non-designated account inventory transaction may be updated in advance. List of banking institutions, that is, "non-designated account storage support list." In addition, according to the needs of business development, it is also possible to provide an account registration and login function for each transfer user, so as to provide a more convenient user experience for the transfer user.

Step S102, reading the electronic cash account information of the transfer card, verifying whether the cash balance is greater than or equal to the transfer amount, and if less than the transfer amount, updating the transfer amount to the cash balance, if the transfer amount is greater than or equal to the transfer amount, the transfer limit is not changed. .

In step S103, the outgoing card is consumed offline, and the amount of the transferred card is deducted, and the transaction data is generated for retention.

Step S104, reading the transfer card information, verifying whether the sum of the transfer card electronic cash balance and the transfer card consumption amount is less than or equal to the bank authorized electronic cash limit, if less than or equal to the bank authorized electronic cash limit, proceeding to step S105 If it is greater than the bank authorized electronic cash limit, it is determined that the transfer failed, and the instant transfer to the bank account of the bank card to which the card is transferred is transferred.

In step S105, the amount transferred to the card account and the amount of the deposit are combined into a transaction message.

Step S106, judging whether the transfer card supports non-designated account deposit according to the non-designated account support list, if the non-designated account is supported, proceeding to step S107; if the non-designated account is not supported, determining that the transfer fails, In turn, an instant transfer of the bank account of the bank card to which the card is transferred is made.

Step S107, performing a non-designated account deposit transaction of the transfer card, generating a circled message after the completion of the deposit transaction, and receiving a script command of the issuer to complete the update of the electronic cash.

In step S108, the transaction data is sent to the card organization or the issuing bank for clearing. Alternatively, you can print the transaction details by connecting an external printer.

Based on the same inventive concept, the embodiment of the present invention further provides a system for transferring funds between electronic card accounts of an IC card, as described in the following embodiments. Although the system described in the following embodiments is preferably implemented in software, a hardware, or a combination of a soft body and a hardware, is also possible and conceivable.

The following embodiments will be described by taking an NFC smart terminal as an example, but the embodiment is not limited thereto, and may include Bluetooth or other embodiments.

2 is a schematic diagram showing the system structure of an electronic card inter-bank account transfer according to an embodiment of the present invention. As shown in FIG. 2, the system includes a processing module 100, a proxy module 200, a prepaid module 300, and a setting module 400.

In order to better assist the electronic cash consumption and the deposit process, the setting module 400 can provide the user with a setting of the debit card account, and the debit card can be used to receive the amount of money transferred from the outgoing card. It can also be used to transfer the transferred amount transferred to the card issuer's main account corresponding to the transfer card.

At the same time, the setting module 400 will also provide a "non-designated account inventory support list" for the subsequent prepaid module 300 to perform a query operation. The "non-designated account storage support list" can be specified from time to time. Extract and update in the background.

The processing module 100 is connected to an NFC module, and is responsible for receiving and processing electronic account information read from the transfer card and the transfer card. At the same time, it is also responsible for obtaining various related information input by the user on the terminal. When the processing module 100 reads the card, it needs to be clear that the first reading of the entry information is the transfer card, and the second reading of the entry is the transfer card.

The proxy module 200 is configured to receive the transaction information related to the transfer card from the processing module 100 when the user performs the electronic cash transfer, and generate corresponding transaction data according to the transaction information, and the transaction data should include the transfer data. Card electronic cash account information, the amount of this consumption authorization, etc. After the token module 200 receives the transaction data, the transaction data and the related transaction certificate ciphertext may be sent to the transfer clearing organization or the issuer for clearing.

The prepaid module 300 is mainly used to perform a ring storage operation on the transfer card. Since the electronic cash transaction may have a certain liquidation period, this amount may not reach the transfer card immediately before the card is cleared. In this regard, the prepaid operation of the transferred card can be completed by setting the preset debit card set by the module 400, and the operation will be performed by using a contactless deposit and using an existing non-designated account deposit process. transaction. Upon completion of the prepayment deposit, the prepaid module 300 also retains the transaction details of the current transaction for evidence in the event of a future dispute.

It should be noted that when the prepaid module 300 performs non-designated account storage, it first determines whether the card issuing bank belongs to the non-designated account according to the electronic cash account information of the outgoing card, and the judgment is based on the setting module. "Unspecified account inventory support list" in 400. If not supported, the prepaid module 300 initiates two transactions for the issuing bank, one is the instant transfer transaction initiated by the debit card account in the setting module 400 for the bank card primary account of the outgoing card, and one is held The cardholder finally completes the contactless transaction of the transferred card indirectly according to the designated account deposit transaction initiated by the transfer card electronic cash account. After the transaction is completed, the prepaid module 300 will continue to forward the corresponding script command to the card after receiving the issuer issuing order to complete the final update operation of the electronic cash balance.

Further, in the process of performing the inventory operation of the prepaid module 300, if the inventory transaction fails due to the occurrence of the abnormality of the storage, the current transaction is canceled, and only the primary account of the bank card to which the outgoing card belongs is generated. Instant transfer transactions.

In addition, after the processing module 100 processes a certain transfer transaction, the processing module 100 will additionally generate the transaction details of the transfer-to-transfer transaction, and the transaction details should include the electronic cash account number of the transfer card and the transfer card. The electronic cash account number and the transaction amount, etc., and the transaction details of the transfer can be printed by wirelessly connecting to the external printer according to the user's needs.

According to the flow shown in Figure 1, when the system performs a circle, the functions of each module are as follows:

The setting module 400 is configured to set a transfer card transfer amount and a non-designated account storage support list.

The processing module 100 is configured to read the electronic cash account information of the transferred card, and verify whether the cash balance of the transferred card is greater than or equal to the transfer amount. If the cash balance of the transferred card is less than the transfer amount, the transfer amount is updated to cash. Balance, if the cash balance of the transferred card is greater than or equal to the transfer amount, the transfer amount is not changed.

The proxy module 200 is used for offline consumption of the transferred card, deducting the amount of the transferred card, and generating transaction data.

The processing module 100 is further configured to read the information of the transferred card, and verify whether the sum of the electronic cash balance of the transferred card and the amount of the transferred card is less than or equal to the bank authorized electronic cash amount.

If it is less than or equal to the bank authorized electronic cash limit, the prepaid module 300 will convert the amount transferred into the card account and the amount of the deposit into a transaction message;

If it is greater than the bank authorized electronic cash limit, it is determined that the transfer failed, and the instant transfer to the bank account of the transfer card is transferred.

Further, the prepaid module 300 is further configured to determine, according to the non-designated account storage support list, whether the transferred card supports the non-designated account circle.

If the non-designated account is supported, the non-designated account deposit transaction of the transferred card is continued, the circled transaction message is generated after the circled transaction is completed, and the issuer's script command is received to complete the update of the electronic cash.

If the non-designated account is not supported, it is determined that the transfer failed, and the instant transfer to the bank account of the transfer card is transferred.

The proxy module 200 is also used to send transaction data to the card organization or the issuing bank for clearing.

FIG. 3 is a schematic diagram showing a specific application of the system for transferring funds between electronic card accounts of an IC card according to an embodiment of the present invention. As shown in FIG. 3, the system includes: a computer 1000, a receiving device 2000, a transmitting device 3000, and an input device 4000. The computer 1000 is configured to read the electronic cash account information of the transfer card. The computer 1000 is further configured to perform offline consumption on the transferred card, deduct the amount of the transferred card, and generate transaction data. The computer 1000 is further configured to read the transfer card information, and verify whether the sum of the electronic cash balance of the transferred card and the amount of the transferred card is less than or equal to the bank authorized electronic cash limit; wherein, if less than or equal to the bank authorized electronic cash The amount will be converted into the card account and the amount of the deposit constitutes a transaction message; if it is greater than the bank authorized electronic cash limit, the transfer is determined to be unsuccessful, and the instant transfer of the bank account of the transfer card is transferred. The receiving device 2000 is configured to perform a non-designated account ring transaction of the transfer card, generate a circled message after the ring transaction is completed, and receive a script command of the card issuer to complete the update of the electronic cash; the sending device 3000 uses Send the transaction data to the card organization or issuer for clearing. The computer 1000 can be a computer, a mobile terminal, a field programmable logic array (FPGA), a dedicated integrated circuit (ASIC), etc.; the receiving device 2000 and the transmitting device 3000 can be an antenna; the input device 4000 can be a keyboard, a mouse, and a drawing. And so on.

When the input device 4000 is configured to set the transfer card transfer amount, the computer 1000 is further configured to check whether the cash balance is greater than or equal to the transfer amount after reading the electronic card account information of the transfer card, wherein if the transfer amount is less than the transfer amount , the transfer amount is updated to the cash balance, and if the transfer amount is greater than or equal to the transfer amount, the transfer amount is not changed.

When the input device 4000 is configured to set a non-designated account storage support list, the computer 1000 is further configured to determine, according to the non-designated account storage support list, whether the transferred card supports non-designated account storage, wherein if the non-designated account is supported, The account is circled and the non-designated account deposit transaction of the transferred card is continued; if the non-designated account is not supported, the transfer is determined to be unsuccessful, and the instant transfer of the bank account of the transfer card is transferred.

In addition, the system can be connected to an external printer, which is used to print the transaction details.

The method and system for transferring funds between electronic cash accounts of an IC card proposed by the present invention can increase the application scenario of balance transfer between electronic cash accounts without affecting the existing electronic cash operation process. It not only increases the cost of retrofitting, but also improves the user experience of electronic cash, and effectively solves the problems of users' false recharge, electronic cash not supporting transfer, and low turnover rate. And by increasing the effective turnover rate of electronic cash, it is expected to further increase the enthusiasm of users of electronic cash (eg, flash payment). The above are only the preferred embodiments of the present invention, and all changes and modifications made to the scope of the present invention should be within the scope of the present invention.

S101 to S108‧‧‧Step 100‧‧‧Processing Module 200‧‧‧Strap Module 300‧‧‧Prepaid Module 400‧‧‧Setup Module 1000‧‧‧Computer 2000‧‧‧ Receiving Device 3000‧‧ ‧Send device 4000‧‧‧ input device

FIG. 1 is a flow chart showing a method for transferring funds between electronic card accounts of an IC card according to an embodiment of the present invention. 2 is a schematic structural diagram of a system for transferring funds between electronic card accounts of an IC card according to an embodiment of the present invention; and FIG. 3 is a schematic diagram of a specific application of the system for transferring funds between electronic card accounts of an IC card according to an embodiment of the present invention.

S101 to S108‧‧‧ steps

Claims (10)

A method for transferring funds between electronic card accounts of an IC card, comprising: Step 1: reading an electronic cash account information of a transferred card; Step 2, offline consumption of the transferred card, deducting a consumption amount of the transferred card, Generating a transaction data; Step 3, reading the information of a transferred card, verifying whether the sum of the electronic cash balance of the transferred card and the consumption amount of the transferred card is less than or equal to the bank authorized electronic cash amount, if The sum of the electronic cash balance transferred to the card and the consumption amount of the transferred card is less than or equal to the bank authorized electronic cash amount, and the step 4 is continued; if the electronic cash balance of the transferred card is the same as the transferred card If the sum of the consumption amount is greater than the authorized electronic cash amount of the bank, it is determined that the transfer failed, and the instant transfer of the card master account of the bank to which the card is transferred is performed; Step 4, the account and the account transferred to the card are saved. The amount constitutes a transaction message; Step 5, the deposit transaction of the non-designated account transferred to the card, after the completion of the transaction, a circle of information is generated, and the scripting life of the issuing bank is received The completion of the update of the electronic cash; and step 6, the transaction data is sent to the card organization or the issuing bank for liquidation. The method for transferring an IC card electronic cash account according to claim 1, further comprising: setting a transfer amount of the transfer card; wherein, when performing step 1, the method further comprises: verifying a cash of the transfer card Whether the balance is greater than or equal to the transfer amount, if the cash balance of the transferred card is less than the transfer amount, the transfer amount is updated to the cash balance, and if the cash balance of the transferred card is greater than or equal to the transfer amount, Change the transfer amount. The method for transferring an IC card electronic cash account according to claim 1, further comprising: setting a non-designated account storage support list; wherein, after performing step 4, the method further comprises: supporting the support list according to the non-designated account , to determine whether the transfer card supports non-designated account deposit, if the transfer card supports non-designated account deposit, continue to step 5; if the transfer card does not support non-designated account deposit, determine that the transfer failed, and instead An instant transfer of the card master account of the bank to which the card is transferred is performed. The method for transferring funds between IC card electronic cash accounts according to claim 1, further comprising: printing the transaction details by connecting an external printer. A system for transferring an electronic cash account between IC cards, comprising: a computer; a receiving device; and a transmitting device; wherein the computer is configured to read an electronic cash account information of the transferred card; wherein the computer is further used to Transferring the card for offline consumption, deducting a consumption amount of the transferred card, generating a transaction data; wherein the computer is further used for reading information of a transferred card, verifying an electronic cash balance of the transferred card and the Whether the sum of the consumption amount of the transferred card is less than or equal to the bank authorized electronic cash amount; wherein, if the sum of the electronic cash balance of the transferred card and the consumption amount of the transferred card is less than or equal to the bank authorized electronic cash The amount, the account transferred to the card and the amount of the deposit constitute a transaction message; if the sum of the electronic cash balance of the transferred card and the amount of the transferred card is greater than the authorized electronic cash amount of the bank, then Determining that the transfer failed, and then performing an instant transfer of the card master account of the bank to which the card is transferred; wherein the receiving device is configured to perform the non-designated account of the transferred card Depositing a transaction, generating a circle of stored messages after completion of the transaction, and receiving a script command from the issuing bank to complete the update of the electronic cash; and wherein the transmitting device is configured to send the transaction data to the card organization or the card issuing bank Liquidation. The system for transferring money between IC card electronic cash accounts according to claim 5, further comprising: an input means for setting a transfer amount of the outgoing card. The system for transferring an IC card electronic cash account according to claim 6, wherein the computer is further configured to verify whether a cash balance of the transferred card is greater than or after reading the electronic cash account information of the transferred card Is equal to the transfer amount, wherein if the cash balance of the transferred card is less than the transfer amount, the transfer amount is updated to the cash balance, and if the cash balance of the transferred card is greater than or equal to the transfer amount, the change is not changed. Transfer amount. The system for transferring funds between IC card electronic cash accounts according to claim 6, wherein the input device is further configured to set a non-designated account inventory support list. The system for transferring funds between IC card electronic cash accounts according to claim 8, wherein the computer is further configured to determine whether the transferred card supports non-designated account deposit according to the non-designated account support list, wherein if the transfer The incoming card supports non-designated account deposits, and the non-designated account deposit transaction of the transferred card is continued; if the transferred card does not support non-designated account deposit, it is determined that the transfer fails, and the transferred card is transferred to Instant transfer of the bank's card master account. A system for transferring funds between electronic card electronic cash accounts as described in claim 8, wherein the system is coupled to an external printer for printing the transaction details.