TWI798174B - 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 transfer between IC card electronic cash accounts

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

At present, the application of electronic cash is becoming more and more extensive. However, for the existing electronic cash flow, it can generally only support several basic functions such as electronic cash loading, electronic cash consumption and offline return, and cannot support the transfer function of electronic cash. Misoperation and mistakenly deposit the money circle into the electronic cash account of the IC card (integrated circuit card) on the self-service equipment such as the ATM machine. As far as the existing process is concerned, if the user wants to withdraw the money again, he needs to go to the business hall to cancel his electronic cash account before he can handle it. This greatly affects the cardholder's card experience, and may also leave a bad impression on cardholders about 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 a method and system for IC card electronic cash transfer. When your relatives and friends recharge IC card electronic cash and do not want to go to the bank counter, you can use it to better improve the use efficiency and user experience of the cardholder's electronic cash.

In order to achieve the above object, the present invention proposes a method for transferring funds between IC card electronic cash accounts, the method comprising: Step 1, reading the electronic cash account information of the transfer-out card; Outgoing card consumption amount, generating transaction data; Step 3, read the transfer-in card information, verify whether the sum of the electronic cash balance of the transfer-in card and the consumption amount of the transfer-out card is less than or equal to the electronic cash amount authorized by the bank, if less than or equal to the bank Authorize the amount of electronic cash, continue to step 4; if it is greater than the amount of electronic cash authorized by the bank, it is judged that the transfer has failed, and the transfer is performed immediately to the main account number of the bank card to which the transfer-in card belongs; step 4, the transfer-in card account and the loading The amount constitutes the transaction message; step 5, carry out the loading transaction of the non-designated account transferred to the card, generate the loading message after the loading transaction is completed, and receive the script command from the card issuing bank to complete the update of the electronic cash; step 6, transfer the transaction The information is sent to the card organization or card issuing bank for settlement.

In order to achieve the above object, the present invention also proposes a system for transferring funds between IC card electronic cash accounts. The system includes: a processing module, a withholding module, and a prepayment module; Card-out electronic cash account information; the withholding module is used to carry out offline consumption of the transfer-out card, deduct the consumption amount of the transfer-out card, and generate transaction data; the processing module is also used to read the information of the transfer-in card, check Check whether the sum of the electronic cash balance of the transferred-in card and the consumption amount of the transferred-out card is less than or equal to the amount of electronic cash authorized by the bank; if it is less than or equal to the amount of electronic cash authorized by the bank, the prepayment module will transfer The amount constitutes the transaction message; if it is greater than the amount of electronic cash authorized by the bank, it is judged that the transfer has failed, and the transfer is performed immediately to the main account number of the bank card to which the transfer-in card belongs; the prepaid module is also used to transfer to a non-designated account of the card Loading transaction, after the loading transaction is completed, the loading message is generated, and the script command of the issuing bank is received to complete the update of the electronic cash; the withholding module is also used to send the transaction data to the card organization or the issuing bank for settlement .

By using the method and system for transferring funds between IC card electronic cash accounts proposed by the present invention, the application scenarios of balance transfer between electronic cash accounts can be increased without affecting the existing electronic cash operation process. It does not increase the transformation cost, but also better improves the user experience of electronic cash, and then effectively solves the problems of users' wrong recharging, electronic cash does not support transfer, and low flow rate. And by improving the effective turnover rate of electronic cash, it is expected to further increase the enthusiasm of users of electronic cash (eg, QuickPass; Quick Pass).

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

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

Electronic cash: It mainly refers to a small-amount payment application based on debit/credit applications designed to facilitate small-amount consumption of cardholders and their supplementary cardholders. The initial balance of the electronic cash account is RMB 0, and the maximum The balance shall not exceed RMB 1,000 (inclusive), and the amount of a single offline consumption shall not exceed RMB 200 (inclusive). The upper limit of the electronic cash account balance or the transaction limit is set by Party A according to the product on the premise of following the relevant national regulations. Loading: It is the way that consumers usually withdraw cash from their bank accounts and put them in their pockets for consumer payment, instead of directly depositing (depositing) the money in the consumer's bank account on the IC (Integrated Circuit) chip. That is, electronic wallet.

Referring to Fig. 1, it is a flowchart of a method for transferring funds between IC card electronic cash accounts according to an embodiment of the present invention. As shown in Figure 1, the method includes:

Step S101, set the transfer amount of the transfer-out card and the non-designated account transfer support list; among them, you can pre-pass the debit card account that needs to participate in the withholding and prepayment operations in the business, and update the current support for non-designated account transfer transactions The list of banking institutions, that is, the "non-designated account loading support list". In addition, according to the needs of business development, an account registration and login function can also be provided for each account transfer user, so as to provide a more convenient user experience for account transfer users.

Step S102, read the electronic cash account information of the transfer-out card, check whether the cash balance is greater than or equal to the transfer amount, if it is less than the transfer amount, update the transfer amount to the cash balance, and if greater than or equal to the transfer amount, do not change the transfer amount .

Step S103, conduct offline consumption on the transfer-out card, deduct the consumption amount of the transfer-out card, and generate transaction data for storage.

Step S104, read the information of the transfer-in card, check whether the sum of the electronic cash balance of the transfer-in card and the consumption amount of the transfer-out card is less than or equal to the amount of electronic cash authorized by the bank, if it is less than or equal to the amount of electronic cash authorized by the bank, continue to step S105 ; If it is greater than the amount of electronic cash authorized by the bank, it is judged that the transfer has failed, and the transfer is performed immediately to the main account number of the bank card to which the transfer-in card belongs.

In step S105, a transaction message is composed of the transferred-in card account and the loaded amount.

Step S106, according to the non-designated account loading support list, determine whether the transfer-in card supports non-designated account loading, if it supports non-designated account loading, continue to step S107; if it does not support non-designated account loading, determine that the transfer has failed, Instead, an instant transfer is made to the main account number of the bank card to which the transfer-in card belongs.

Step S107, carry out the loading transaction of the non-designated account of the transfer-in card, generate the loading message after the loading transaction is completed, and receive the script command (script command) from the card issuing bank to complete the update of the electronic cash.

Step S108, sending the transaction data to the card organization or card issuing bank for settlement. In addition, you can also print transaction details by connecting an external printer.

Based on the same inventive concept, an embodiment of the present invention also provides a system for transferring funds between IC card electronic cash accounts, as described in the following embodiments. Although the systems described in the following embodiments are preferably implemented in software, implementations in hardware, or a combination of software and hardware are also possible and contemplated.

The following embodiments will be described with an NFC smart terminal as an example, but the implementation is not limited thereto, and Bluetooth or other implementations may also be included.

As shown in FIG. 2 , it is a schematic diagram of the system structure of IC card electronic cash transfer between accounts according to an embodiment of the present invention. As shown in FIG. 2 , the system includes: a processing module 100 , a withholding module 200 , a prepayment module 300 , and a setting module 400 .

In order to better assist the electronic cash consumption and transfer process, the setting module 400 can provide the user with the setting of a debit card account, and the debit card can be used to receive the transfer of the amount consumed from the transfer-out card. , and can also be used to transfer the amount transferred in from the transfer-out card to the main account of the card issuer corresponding to the transfer-in card.

At the same time, the setting module 400 will also provide a "non-designated account transfer support list" for subsequent inquiries when the prepayment module 300 executes the transfer operation. Extraction and updates are done in the background.

The processing module 100 is connected with an NFC module, and is responsible for receiving and processing the electronic account information read from the transfer-in card and the transfer-out card; at the same time, it is also responsible for obtaining various relevant information input by the user on the terminal. When the processing module 100 reads the card, it needs to be clear that the first read and input information is the transfer-out card, and the second read and input information is the transfer-in card.

The withholding module 200 is used to receive the transfer-out card-related transaction information from the processing module 100 when the user performs electronic cash transfer, and generate corresponding transaction data according to the transaction information. The transaction data should include the transfer-out Card electronic cash account information, the authorized amount of this consumption, etc. After the withholding module 200 receives the transaction data, it can send the transaction data and the related transaction certificate ciphertext to the transfer settlement organization or the card issuing bank for liquidation.

The prepayment module 300 is mainly used to carry out loading operations on transfer-in cards. Since there may be a certain settlement period for electronic cash transactions, the amount may not reach the transfer-in card immediately before the transfer-out card consumption is settled. In this regard, the prepayment operation on the transfer-in card can be completed by setting the default debit card set by the module 400. This operation will be carried out by using non-contact loading and using the existing non-designated account loading process. trade. After the prepayment loading is completed, the prepayment module 300 will also save the transaction details of this loading transaction to provide evidence in case of future disputes.

It should be noted that when the prepayment module 300 executes loading of non-designated accounts, it will first judge whether the issuing bank of the transfer-out card supports loading of non-designated accounts based on the information of the electronic cash account of the transfer-out card. The judgment is based on the setting module "Non-specified account loading support list" in 400. If not supported, then the prepaid module 300 initiates two transactions to the issuing bank, one is the instant transfer transaction initiated by the debit card account in the setting module 400 to the main account of the bank card to which the transfer-out card belongs, and the other is the holding The cardholder finally and indirectly completes the non-contact loading transaction of the transfer-in card according to the designated account transfer transaction initiated by the electronic cash account of the transfer-out card. After the transaction is completed, the prepayment module 300 will continue to forward the corresponding script command to the card after receiving the command from the card issuing bank so as to complete the update operation of the electronic cash balance at last.

Further, during the loading operation of the prepaid module 300, if the loading transaction fails due to abnormal loading, the loading transaction will be cancelled, and only the main account of the bank card to which the transfer-out card belongs will be canceled. Instant Transfer transactions for .

In addition, after the processing module 100 finishes processing a certain transfer transaction, the processing module 100 will additionally generate the transaction details of this transfer-out and transfer-in transaction. The transaction details should include the electronic cash account number of the transfer-out card, the transfer-in card Electronic cash account number and transaction amount, etc., and can print the transaction details of this transfer through wireless connection to an external printer according to user needs.

According to the process shown in Figure 1, when the system performs loading, the functions realized by each module are as follows:

The setting module 400 is used for setting the transfer amount of the transfer-out card and the support list of non-designated account loading.

The processing module 100 is used to read the electronic cash account information of the transfer-out card, check whether the cash balance of the transfer-out card is greater than or equal to the transfer amount, and if the cash balance of the transfer-out card is less than the transfer amount, update the transfer amount to cash Balance, if the cash balance of the transfer-out card is greater than or equal to the transfer amount, the transfer amount will not be changed.

The withholding module 200 is used for offline consumption of the transfer-out card, deducting the consumption amount of the transfer-out card, and generating transaction data.

The processing module 100 is also used to read the transfer-in card information, and check whether the sum of the electronic cash balance of the transfer-in card and the consumption amount of the transfer-out card is less than or equal to the amount of electronic cash authorized by the bank.

If it is less than or equal to the amount of electronic cash authorized by the bank, then the prepayment module 300 will transfer the amount transferred to the card account and load to form a transaction message;

If it is greater than the amount of electronic cash authorized by the bank, it is judged that the transfer has failed, and the instant transfer to the main account number of the bank card to which the transfer-in card belongs is performed instead.

Further, the prepayment module 300 is also used to determine whether the transfer-in card supports loading of non-designated accounts according to the non-designated account transfer support list.

If it supports non-designated account loading, continue to carry out the non-designated account loading transaction of the transfer-in card, generate a loading message after the loading transaction is completed, and receive the script command from the card issuing bank to complete the update of the electronic cash.

If transfer to a non-designated account is not supported, it will be judged that the transfer has failed, and an instant transfer to the main account of the bank card to which the transfer-in card belongs will be performed instead.

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

Fig. 3 is a schematic diagram of the specific application of the IC card electronic cash account transfer system according to an embodiment of the present invention. As shown in Fig. 3, the system includes: a computer 1000, a receiving device 2000, a sending device 3000 and an input device 4000. Wherein, the computer 1000 is used for reading the electronic cash account information of the transfer-out card. The computer 1000 is also used for offline consumption of the transfer-out card, deducting the consumption amount of the transfer-out card, and generating transaction data. The computer 1000 is also used to read the transfer-in card information, check whether the sum of the electronic cash balance of the transfer-in card and the consumption amount of the transfer-out card is less than or equal to the electronic cash amount authorized by the bank; wherein, if it is less than or equal to the electronic cash amount authorized by the bank amount, the transfer-in card account and the credited amount constitute a transaction message; if it is greater than the bank-authorized electronic cash limit, the transfer is judged to have failed, and an instant transfer to the main account of the bank card to which the transfer-in card belongs is performed instead. The receiving device 2000 is used to carry out the loading transaction of the non-designated account of the transfer-in card, and generates the loading message after the loading transaction is completed, and receives the script command of the issuing bank to complete the update of the electronic cash; the sending device 3000 uses After sending the transaction data to the card organization or card issuing bank for settlement. The computer 1000 can be a computer, a mobile terminal, a field programmable logic array (FPGA), an application-specific integrated circuit (ASIC), etc.; the receiving device 2000 and the sending device 3000 can be antennas; the input device 4000 can be a keyboard, mouse, drawing device etc.

When the input device 4000 is used to set the transfer amount of the transfer-out card, the computer 1000 is also used to check whether the cash balance is greater than or equal to the transfer amount after reading the transfer-out card electronic cash account information, wherein, if it is less than the transfer amount , update the transfer amount to the cash balance, if it is greater than or equal to the transfer amount, do not change the transfer amount.

When the input device 4000 is used to set the non-designated account transfer support list, the computer 1000 is also used to judge whether the transfer-in card supports non-designated account transfer according to the non-designated account transfer support list. Account loading, continue to carry out the non-designated account loading transaction of the transfer-in card; if the transfer-in card does not support non-designated account loading, it is judged that the transfer fails, and the transfer is performed immediately to the main account of the bank card to which the transfer-in card belongs.

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

By using the method and system for transferring funds between IC card electronic cash accounts proposed by the present invention, the application scenarios of balance transfer between electronic cash accounts can be increased without affecting the existing electronic cash operation process. It does not increase the cost of transformation, but also better improves the user experience of electronic cash, and effectively solves the problems of users' wrong recharging, electronic cash does not support transfer, and low turnover rate. And by improving the effective turnover rate of electronic cash, it is expected to further increase the enthusiasm of users of electronic cash (such as QuickPass). The above descriptions are only preferred embodiments of the present invention, and all equivalent changes and modifications made according to the scope of the patent application of the present invention shall fall within the scope of the present invention.

S101 to S108‧‧‧step 100‧‧‧processing module 200‧‧‧withholding module 300‧‧‧prepayment module 400‧‧‧setting module 1000‧‧‧computer 2000‧‧‧receiving device 3000‧‧ ‧Sending device 4000‧‧‧Input device

Fig. 1 is a flowchart of a method for transferring funds between IC card electronic cash accounts according to an embodiment of the present invention. Fig. 2 is a schematic diagram of the system structure of IC card electronic cash account transfer system according to an embodiment of the present invention; Fig. 3 is a specific application schematic diagram of the system of IC card electronic cash account transfer system according to an embodiment of the present invention.

Steps from S101 to S108‧‧‧

Claims (8)

A method for transferring funds between IC card electronic cash accounts, which is applied to an NFC terminal, comprising: step 1, reading the electronic cash account information of a transfer card; step 2, performing offline consumption on the transfer card, and deducting the transfer card to generate a transaction data; step 3, read the information of a transfer-in card, and check whether the sum of the electronic cash balance of the transfer-in card and the consumption amount of the transfer-out card is less than or equal to the electronic cash balance authorized by the bank. cash amount, if the sum of the electronic cash balance of the transfer-in card and the consumption amount of the transfer-out card is less than or equal to the electronic cash amount authorized by the bank, proceed to step 4; if the electronic cash balance of the transfer-in card is equal to The sum of the consumption amount of the transfer-out card is greater than the authorized electronic cash amount of the bank, then it is judged that the transfer has failed, and an instant transfer is performed to the card master account number of the bank to which the transfer-in card belongs; Step 4, the transfer-in card The account and the loaded amount form a transaction message; set a non-designated account transfer support list; according to the non-designated account transfer support list, determine whether the transfer-in card supports non-designated account transfer, if the transfer-in card supports Transfer to a non-designated account, continue to step 5; if the transfer-in card does not support non-designated account transfer, it is judged that the transfer fails, and the transfer is performed immediately to the card master account of the bank to which the transfer-in card belongs; step 5, Carry out the loading transaction of the non-designated account of the transfer-in card, generate a loading message after the loading transaction is completed, and receive the script command from the card issuing bank to complete the update of the electronic cash; and step 6, send the transaction data To the card organization or the issuing bank for settlement. The method for transferring funds between IC card electronic cash accounts as described in claim item 1 further includes: setting a transfer amount of the transfer-out card; wherein, when performing step 1, additionally includes: verifying a cash of the transfer-out card Is the balance greater than or equal to For the transfer amount, if the cash balance of the transfer-out card is less than the transfer amount, update the transfer amount to the cash balance; if the cash balance of the transfer-out card is greater than or equal to the transfer amount, do not change the transfer amount . The method for transferring funds between IC card electronic cash accounts as described in claim 1 further includes: printing transaction details by connecting to an external printer. A system for transferring funds between IC card electronic cash accounts, comprising: a processing module, a withholding module, a prepayment module, and an NFC module; wherein the processing module is connected to the NFC module for reading a transfer-out card electronic cash account information; wherein the withholding module is used for offline consumption of the transfer-out card, deducting a consumption amount of the transfer-out card to generate a transaction data; wherein the processing module is used to pass the NFC module Read the information of a transfer-in card, and verify whether the sum of the electronic cash balance of the transfer-in card and the consumption amount of the transfer-out card is less than or equal to the amount of electronic cash authorized by the bank; wherein, if the transfer-in card If the sum of the electronic cash balance and the consumption amount of the transfer-out card is less than or equal to the amount of electronic cash authorized by the bank, the prepayment module will form a transaction message with the account of the transfer-in card and the deposited amount; if the transfer If the sum of the electronic cash balance of the incoming card and the consumption amount of the outgoing card is greater than the electronic cash limit authorized by the bank, the transfer will be judged to be a failure, and the transfer will be performed immediately to the card master account number of the bank to which the incoming card belongs; Wherein the prepaid module is used to carry out the loading transaction of the non-designated account of the transfer-in card, generates a loading message after the loading transaction is completed, and receives a script command from the card issuing bank to complete the update of the electronic cash; and The withholding module is used to send the transaction data to the card organization or the card issuing bank for settlement. The system for transferring funds between IC card electronic cash accounts as described in Claim 4 further includes: an input device for setting the transfer amount of the transfer-out card. The system for transferring funds between IC card electronic cash accounts as described in claim 5, wherein the processing module is also used to check whether a cash balance of the transfer-out card is read after reading the electronic cash account information of the transfer-out card greater than or equal to the transfer amount, wherein, if the cash balance of the transfer-out card is less than the transfer amount, update the transfer amount to the cash balance, and if the cash balance of the transfer-out card is greater than or equal to the transfer amount, do not Change the transfer amount. The system for transferring funds between IC card electronic cash accounts as described in claim item 6, wherein the prepayment module is also used to judge whether the transfer-in card supports non-designated account transfer according to the non-designated account transfer support list, wherein, if The transfer-in card supports non-designated account transfer, and the non-designated account transfer transaction of the transfer-in card is continued; if the transfer-in card does not support non-designated account transfer, it is judged that the transfer fails, and the transfer-in card is turned to Instant transfer to the primary card account number of your bank. The system for transferring funds between IC card electronic cash accounts as described in Claim 7, wherein the system is connected with an external printer for printing transaction details.

Images