WO2012027860A1 - Credit card system with bar code and method for integrating credit card function and membership card function - Google Patents
Credit card system with bar code and method for integrating credit card function and membership card function Download PDFInfo
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- WO2012027860A1 WO2012027860A1 PCT/CN2010/001316 CN2010001316W WO2012027860A1 WO 2012027860 A1 WO2012027860 A1 WO 2012027860A1 CN 2010001316 W CN2010001316 W CN 2010001316W WO 2012027860 A1 WO2012027860 A1 WO 2012027860A1
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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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
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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
- G06Q20/24—Credit schemes, i.e. "pay after"
Definitions
- the present invention relates to a barcoded credit card system and a method of integrating credit card and membership card functions. Background technique
- the membership card refers to the general identification card, including the membership certification of shopping malls, hotels, fitness centers, restaurants and other consumer places. They are very versatile and can be applied to identification cards where they need to identify themselves, such as schools, clubs, companies, institutions, groups, etc. Membership card and detailed description of membership service is also a popular service management model, which can improve the customer's return rate and improve customer loyalty to the company. Many service industries adopt such a service model, and most of the membership systems are represented as membership cards.
- the membership card issued by a company is equivalent to the company's business card.
- the company's logo or pattern can be printed on the membership card to promote the company's image. It is an ideal carrier for the company to carry out advertising.
- the issuance of membership cards can also play a role in attracting new customers, retaining old customers, enhancing customer loyalty, and achieving functions such as discounts, points, and customer management. It is a practical and feasible way to increase profits.
- the existing membership cards are single-member membership cards and cannot be used by other merchants. Now there are credit cards that can be used as membership cards for a merchant, but they are still limited to one merchant, and there is no barcode on the credit card. Enter the member number efficiency is 4 low. Due to the non-universality of membership cards, individuals need to apply for many membership cards to enjoy the membership services of the corresponding merchants. This will waste a lot of time for individuals and merchants; more importantly, due to the proliferation of membership cards, valuable resources are wasted. It is a great hazard to the environment. Summary of the invention
- the invention provides a barcode credit card system and a method for integrating a credit card system and a membership card into a whole, which is not suitable for the above-mentioned membership card and cannot be used together with a credit card.
- a barcoded credit card system including a credit card and a banking system, the credit card is a bank credit card, the 4 banking system is a credit card issuing bank credit card system, and further includes: a barcode, the barcode is set on a credit card, and the barcode corresponds to The number is also the membership card number; the database system, the database system stores barcode information, that is, credit card holder information, the database system further stores a merchant list; the merchant member management system, the merchant member management system is Each merchant stores the barcode information of the member, accepts the cardholder's membership service application, and provides the cardholder with the member service.
- the database system further comprises a registration system for storing bar code information on the newly issued credit card to the database system.
- the merchant member management system further includes a member identification system, and when the member identification system accepts the cardholder service application, the card number information of the cardholder is retrieved in the member management system, when When the cardholder's barcode information has been stored in the merchant member management system, the cardholder is provided with the member service.
- the merchant member management system further includes a member credit system, and the member credit system adds a member service record and a cardholder barcode to the database system after the merchant member management system provides the member service to the cardholder. Information points.
- the database system transmits the cardholder barcode information to the merchant selected by the cardholder in step (3);
- the merchant in step (4) enters the cardholder barcode information into the member management system; (6)
- the merchant terminal provides the member service to the cardholder.
- the method further includes the following steps: the cardholder applies for registration to the database system, and the database system records the cardholder information after the registration is successful.
- the method further includes the following steps: The merchant terminal determines whether the downloaded cardholder information is already a member of the merchant, and provides the member service to the member.
- the method further comprises the step of: adding, by the member credit system, the cardholder's barcode information member service record and points to the database system.
- a unique barcode is added on the basis of the original credit card, so that the credit card has the dual functions of the credit card and the membership card, and the unique barcode is uniformly managed by the database system, and is suitable for the card holder.
- the identification of different merchant membership management systems through the technical solution of the present invention, the credit card function and the membership card function are concentrated on one credit card, and the cardholder only needs to carry one card to use the bank credit card system and different merchants.
- the membership system greatly facilitates cardholders, banks and merchants, and saves social resources.
- a barcode is attached, the barcode is a plurality of black bars and spaces including unequal widths, arranged according to a certain coding rule, carrying a graphic identifier of a group of information;
- a database system the database system is stored
- barcode information that is, credit card holder information, including the cardholder barcode number, cardholder name, date of birth, home address, contact number and member service record; meanwhile, a list of merchants is also stored in the database system.
- the merchant member management system is a member management software installed in a system terminal of each merchant, and the merchant member management system accepts the cardholder's member service application and provides the cardholder with the member service.
- the magnetic stripe on the credit card is used for identification, and the credit card usage is the same as that of the ordinary credit card;
- the merchant terminal uses the scanner to read the barcode number on the credit card, generates a membership service application, and provides membership services to the cardholder.
- the database system further includes a registration system, after the cardholder obtains the newly issued credit card, the barcode information on the credit card, together with the cardholder personal information, including the barcode number, name, date of birth , home address and contact number are stored in the database system.
- the merchant member management system further includes a member identification system, and the member identification system searches for the barcode number information of the cardholder when accepting the cardholder member application, and when the cardholder barcode number is When the merchant membership number is provided, the member service is automatically provided and the member service record is added; otherwise, the member service is not provided.
- the merchant member management system further includes a member credit system, and the member credit system adds a consumption record to the cardholder barcode information after the merchant member management system provides the member service to the cardholder.
- the cardholder's barcode information integration port 1 is added to the database system. It also includes a method of integrating credit card and membership card functions, including the following steps:
- step (4) the merchant in step (4) enters the cardholder barcode information into the member management system;
- the merchant terminal provides the member service to the cardholder.
- the method further includes the following steps: the cardholder applies for registration to the barcode database system, and the barcode database system records the cardholder information after the registration is successful.
- the method further includes the following steps:
- the member credit system adds the cardholder information of the cardholder to the database system and the score plus one.
- the solution of the above embodiment saves the cardholder information in the form of electronic information, reduces the time for the individual to apply for the membership card to the plurality of merchants, and can make a membership card common to multiple merchants, eliminating the need for the individual to carry more The trouble of the membership card; and the efficiency of the merchant to read the membership number is improved; the invention can greatly reduce the card issuance of the membership card, save social resources, and can contribute to environmental protection.
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Abstract
The present invention discloses a credit card system with bar code, which includes a bar code, a database system and merchant member management systems, and a method for integrating credit card function and membership card function, which includes the following steps: 1.the bar code is set on a new delivered credit card; 2. the bar code information of the cardholder and a merchant list are recorded into the database system; 3. the cardholder selects a merchant from the database system to be a member of said merchant; 4. the database system sends the bar code information of the cardholder to the merchant selected by the cardholder in the step 3; 5. the merchant in the step 4 records the bar code information of the cardholder into the member management system; 6. a merchant terminal provides membership service to the cardholder.
Description
一种带条形码信用卡系统及一种集信用卡、 会员卡功能于一体的方法 技术领域 Bar code credit card system and method for integrating credit card and membership card functions
本发明涉及一种带条形码信用卡系统及一种集信用卡、 会员卡功能于一 体的方法。 背景技术 The present invention relates to a barcoded credit card system and a method of integrating credit card and membership card functions. Background technique
会员卡泛指普通身份识别卡， 包括商场、 宾馆、 健身中心、 酒家等消费 场所的会员认证。 它们的用途非常广泛， 凡涉及到需要识别身份的地方， 都 可应用到身份识别卡， 如学校， 倶乐部， 公司， 机关， 团体等。 会员卡及详 细说明会员制服务也是现在流行的一种服务管理模式， 它可以提高顾客的回 头率， 提高顾客对企业忠诚度。 很多的服务行业都采取这样的服务模式， 会 员制的形式多数都表现为会员卡。一个公司发行的会员卡相当于公司的名片， 在会员卡上可以印刷公司的标志或者图案， 为公司形象作宣传， 是公司进行 广告宣传的理想载体。 同时发行会员卡还能起到吸引新顾客， 留住老顾客， 增强顾客忠诚度的作用， 还能实现打折、 积分、 客户管理等功能， 是一种确 实可行的增加效益的途径。 但是， 现有的会员卡都是单一商户的会员卡， 无法在其他商户使用； 现 在也有信用卡可以作为某一商户的会员卡，但仍然仅限于在一个商户处使用， 而且信用卡上没有条形码， 商户输入会员号码效率 4艮低。 由于会员卡的不通 用性， 个人需要申请很多张会员卡才能享受相应商户的会员服务， 这会浪费 个人和商户的大量时间； 更重要的是， 由于会员卡泛滥， 浪费了宝贵的资源， 也对环保造成很大的危害。 发明内容 The membership card refers to the general identification card, including the membership certification of shopping malls, hotels, fitness centers, restaurants and other consumer places. They are very versatile and can be applied to identification cards where they need to identify themselves, such as schools, clubs, companies, institutions, groups, etc. Membership card and detailed description of membership service is also a popular service management model, which can improve the customer's return rate and improve customer loyalty to the company. Many service industries adopt such a service model, and most of the membership systems are represented as membership cards. The membership card issued by a company is equivalent to the company's business card. The company's logo or pattern can be printed on the membership card to promote the company's image. It is an ideal carrier for the company to carry out advertising. At the same time, the issuance of membership cards can also play a role in attracting new customers, retaining old customers, enhancing customer loyalty, and achieving functions such as discounts, points, and customer management. It is a practical and feasible way to increase profits. However, the existing membership cards are single-member membership cards and cannot be used by other merchants. Now there are credit cards that can be used as membership cards for a merchant, but they are still limited to one merchant, and there is no barcode on the credit card. Enter the member number efficiency is 4 low. Due to the non-universality of membership cards, individuals need to apply for many membership cards to enjoy the membership services of the corresponding merchants. This will waste a lot of time for individuals and merchants; more importantly, due to the proliferation of membership cards, valuable resources are wasted. It is a great hazard to the environment. Summary of the invention
本发明针对上述会员卡不具备通用性， 且不能和信用卡共同使用的缺陷， 提供了一种带条形码信用卡系统及一种集信用卡、 会员卡功能于一体的方法， 具体方案如下：
一种带条形码信用卡系统， 包括信用卡及银行系统， 所述信用卡为银行 信用卡， 所述 4艮行系统为信用卡发卡行信用卡系统， 还包括： 条形码， 所述 条形码设于信用卡上， 所述条形码对应的号码同时也是会员卡号码； 数据库 系统， 所述数据库系统存储有条形码信息， 即信用卡持卡人信息， 所述数据 库系统还存储有商户名单； 商户会员管理系统， 所述商户会员管理系统设于 各商户内， 存储有会员的条形码信息， 并受理持卡人的会员服务申请， 向持 卡人提供会员服务。 The invention provides a barcode credit card system and a method for integrating a credit card system and a membership card into a whole, which is not suitable for the above-mentioned membership card and cannot be used together with a credit card. The specific solution is as follows: A barcoded credit card system, including a credit card and a banking system, the credit card is a bank credit card, the 4 banking system is a credit card issuing bank credit card system, and further includes: a barcode, the barcode is set on a credit card, and the barcode corresponds to The number is also the membership card number; the database system, the database system stores barcode information, that is, credit card holder information, the database system further stores a merchant list; the merchant member management system, the merchant member management system is Each merchant stores the barcode information of the member, accepts the cardholder's membership service application, and provides the cardholder with the member service.
优选的， 所述数据库系统还包括注册系统， 将新发放的信用卡上的条形 码信息存储至所述数据库系统。 Preferably, the database system further comprises a registration system for storing bar code information on the newly issued credit card to the database system.
优选的， 所述商户会员管理系统还包括会员识别系统， 所述会员识别系 统在接受持卡人会员服务申请时， 将持卡人的条形码号码信息在所述会员管 理系统内检索， 当所述持卡人的条形码信息已经存储于所述商户会员管理系 统时， 为持卡人提供会员服务。 Preferably, the merchant member management system further includes a member identification system, and when the member identification system accepts the cardholder service application, the card number information of the cardholder is retrieved in the member management system, when When the cardholder's barcode information has been stored in the merchant member management system, the cardholder is provided with the member service.
优选的， 所述商户会员管理系统还包括会员积分系统， 所述会员积分系 统在所述商户会员管理系统向持卡人提供会员服务后 , 向所述数据库系统增 加会员服务记录及持卡人条形码信息积分。 Preferably, the merchant member management system further includes a member credit system, and the member credit system adds a member service record and a cardholder barcode to the database system after the merchant member management system provides the member service to the cardholder. Information points.
以及一种集信用卡、 会员卡功能于一体的方法， 包括如下步骤： And a method for integrating credit card and membership card functions, including the following steps:
( 1 )、 将新发放的信用卡上设条形码； (1), set a barcode on the newly issued credit card;
( 2 )、 将持卡人的条形码信息录入数据库系统； (2) Entering the cardholder's barcode information into the database system;
将商户名单录入数据库系统； Enter the list of merchants into the database system;
( 3 )、 持卡人在数据库系统上选择商户并成为所述商户的会员； (3) The cardholder selects the merchant on the database system and becomes a member of the merchant;
( 4 )、 数据库系统将持卡人条形码信息传送至步骤（3 ) 中持卡人选择的 商户； (4) The database system transmits the cardholder barcode information to the merchant selected by the cardholder in step (3);
( 5 )、 步骤（4 ) 中的商户将持卡人条形码信息录入到会员管理系统；
( 6 )、 商户终端向持卡人提供会员服务。 优选的， 在步骤（2 )之前， 还包括如下步骤： 持卡人向数据库系统申请注册， 注册成功后所述数据库系统将持卡人信 息录入。 优选的， 在步骤（6 )之前， 还包括如下步骤： 商户终端判断下载的持卡人信息是否已经为本商户会员， 并向会员提供 会员服务。 (5), the merchant in step (4) enters the cardholder barcode information into the member management system; (6) The merchant terminal provides the member service to the cardholder. Preferably, before step (2), the method further includes the following steps: the cardholder applies for registration to the database system, and the database system records the cardholder information after the registration is successful. Preferably, before step (6), the method further includes the following steps: The merchant terminal determines whether the downloaded cardholder information is already a member of the merchant, and provides the member service to the member.
优选的， 在步骤（6 )之后， 还包括如下步骤： 会员积分系统向数据库系统增加所述持卡人的条形码信息会员服务记录 及积分。 应用本发明的技术方案， 在原有信用卡的基础上增加了具有唯一性的条 形码， 使信用卡具备了信用卡、 会员卡双重功能， 并且通过数据库系统， 对 具有唯一性的条形码统一管理， 适用于持卡人在不同商户会员管理系统的识 别， 通过本发明的技术方案， 将信用卡功能与会员卡功能集中在一张信用卡 上， 持卡人只需要携带一张卡即可使用银行信用卡系统及不同商户的会员系 统， 极大程度的方便了持卡人、 银行及商户， 并且节省了社会资源。 具体实施方式 下面将结合附图以及具体实施例来详细说明本发明， 在此本发明的示意 性实施例以及说明用来解释本发明， 但并不作为对本发明的限定。 Preferably, after step (6), the method further comprises the step of: adding, by the member credit system, the cardholder's barcode information member service record and points to the database system. By applying the technical solution of the invention, a unique barcode is added on the basis of the original credit card, so that the credit card has the dual functions of the credit card and the membership card, and the unique barcode is uniformly managed by the database system, and is suitable for the card holder. The identification of different merchant membership management systems, through the technical solution of the present invention, the credit card function and the membership card function are concentrated on one credit card, and the cardholder only needs to carry one card to use the bank credit card system and different merchants. The membership system greatly facilitates cardholders, banks and merchants, and saves social resources. The present invention will be described in detail with reference to the accompanying drawings and specific embodiments.
在原信用卡磁条下方， 贴附有条形码， 该条形码是包括宽度不等的多个 黑条和空白， 按照一定的编码规则排列， 携带一组信息的图形标识符； 数据库系统， 所述数据库系统存储有条形码信息， 即信用卡持卡人信息， 包括持卡人条形码号码、 持卡人姓名、 出生年月、 家庭地址、 联系电话及会 员服务记录； 同时， 在数据库系统内还存储有商户名单。
商户会员管理系统， 所述商户会员管理系统为会员管理软件， 安装于各 商户的系统终端内， 该商户会员管理系统受理持卡人的会员服务申请， 向持 卡人提供会员服务。 上述实施例中， 持卡人在银行终端上使用信用卡时， 使用信用卡上的磁 条进行识别， 此时信用卡使用与普通信用卡使用相同； Under the original credit card magnetic strip, a barcode is attached, the barcode is a plurality of black bars and spaces including unequal widths, arranged according to a certain coding rule, carrying a graphic identifier of a group of information; a database system, the database system is stored There is barcode information, that is, credit card holder information, including the cardholder barcode number, cardholder name, date of birth, home address, contact number and member service record; meanwhile, a list of merchants is also stored in the database system. In the merchant member management system, the merchant member management system is a member management software installed in a system terminal of each merchant, and the merchant member management system accepts the cardholder's member service application and provides the cardholder with the member service. In the above embodiment, when the cardholder uses the credit card on the bank terminal, the magnetic stripe on the credit card is used for identification, and the credit card usage is the same as that of the ordinary credit card;
持卡人在商户间使用时， 商户终端用扫描枪读取信用卡上的条形码号码, 生成会员服务申请， 向持卡人提供会员服务。 作为上述技术方案的改进， 所述数据库系统还包括注册系统， 持卡人在 得到新发放的信用卡后， 将信用卡上的条形码信息， 连同持卡人个人信息， 包括条形码号码、 姓名、 出生年月、 家庭地址及联系电话存储至数据库系统。 作为上述技术方案的改进， 所述商户会员管理系统还包括会员识别系统, 所述会员识别系统在接受持卡人会员申请时， 检索持卡人的条形码号码信息， 当持卡人条形码号码为本商户会员号码时， 自动提供会员服务， 并增加会员 服务记录； 否则不予提供会员服务。 作为上述技术方案的改进， 所述商户会员管理系统还包括会员积分系统， 所述会员积分系统在所述商户会员管理系统向持卡人提供会员服务后， 在持 卡人条形码信息添加消费记录， 向所述数据库系统增加持卡人的条形码信息 积分力口 1。 还包括一种集信用卡、 会员卡功能于一体的方法， 包括如下步骤： When the cardholder is used between merchants, the merchant terminal uses the scanner to read the barcode number on the credit card, generates a membership service application, and provides membership services to the cardholder. As an improvement of the above technical solution, the database system further includes a registration system, after the cardholder obtains the newly issued credit card, the barcode information on the credit card, together with the cardholder personal information, including the barcode number, name, date of birth , home address and contact number are stored in the database system. As an improvement of the above technical solution, the merchant member management system further includes a member identification system, and the member identification system searches for the barcode number information of the cardholder when accepting the cardholder member application, and when the cardholder barcode number is When the merchant membership number is provided, the member service is automatically provided and the member service record is added; otherwise, the member service is not provided. As an improvement of the above technical solution, the merchant member management system further includes a member credit system, and the member credit system adds a consumption record to the cardholder barcode information after the merchant member management system provides the member service to the cardholder. The cardholder's barcode information integration port 1 is added to the database system. It also includes a method of integrating credit card and membership card functions, including the following steps:
( 1 )、 将新发放的信用卡上设条形码； (1), set a barcode on the newly issued credit card;
( 2 )、 将持卡人的条形码信息录入数据库系统； 将商户名单录入数据库系统； (2) Entering the cardholder's barcode information into the database system; entering the merchant list into the database system;
( 3 )、 持卡人在数据库系统上选择商户并成为所述商户的会员； (3) The cardholder selects the merchant on the database system and becomes a member of the merchant;
( 4 )、 数据库系统将持卡人条形码信息传送至步骤（3 ) 中持卡人选择的
商户； (4) The database system transmits the cardholder barcode information to the cardholder in step (3). Merchant
( 5 )、 步骤（4 ) 中的商户将持卡人条形码信息录入到会员管理系统； (5), the merchant in step (4) enters the cardholder barcode information into the member management system;
( 6 )、 商户终端向持卡人提供会员服务。 作为上述实施例方案的改进， 在步骤（2 )之前， 还包括如下步骤： 持卡人向条形码数据库系统申请注册 , 注册成功后所述条形码数据库系 统将持卡人信息录入。 (6) The merchant terminal provides the member service to the cardholder. As an improvement of the solution of the above embodiment, before the step (2), the method further includes the following steps: the cardholder applies for registration to the barcode database system, and the barcode database system records the cardholder information after the registration is successful.
作为上述实施例方案的改进， 在步骤（6 )之前， 还包括如下步骤： 商户终端判断持卡人信息是否已经为本商户会员， 并向会员提供会员服 务。 As an improvement of the solution of the foregoing embodiment, before the step (6), the method further includes the following steps: The merchant terminal determines whether the cardholder information is already a member of the merchant, and provides the member service to the member.
作为上述实施例方案的改进， 在步骤（6 )之后， 还包括如下步骤： 会员积分系统向数据库系统增加所述持卡人的条形码信息会员服务记录 及积分加 1。 上述实施例方案， 用电子信息形式保存持卡人信息， 减少个人到多个商 户填资料申请会员卡的时间； 且能够做到一张会员卡在多个商户处通用， 免 除了个人需要携带多张会员卡的烦恼； 并够提高了商户读取会员号码的效率； 本发明能够大量减少会员卡的发卡量， 节约社会资源， 也能够对环保作贡献。 以上对本发明实施例所提供的技术方案进行了详细介绍， 本文中应用了 明只适用于帮助理解本发明实施例的原理； 同时， 对于本领域的一般技术人 员， 依据本发明实施例， 在具体实施方式以及应用范围上均会有改变之处， 综上所述， 本说明书内容不应理解为对本发明的限制。
As an improvement of the solution of the above embodiment, after the step (6), the method further includes the following steps: The member credit system adds the cardholder information of the cardholder to the database system and the score plus one. The solution of the above embodiment saves the cardholder information in the form of electronic information, reduces the time for the individual to apply for the membership card to the plurality of merchants, and can make a membership card common to multiple merchants, eliminating the need for the individual to carry more The trouble of the membership card; and the efficiency of the merchant to read the membership number is improved; the invention can greatly reduce the card issuance of the membership card, save social resources, and can contribute to environmental protection. The technical solutions provided by the embodiments of the present invention are described in detail above, and the principles applied to help understand the embodiments of the present invention are applied herein. At the same time, for those skilled in the art, according to the embodiments of the present invention, There is a change in the scope of the invention and the scope of the application. In the above description, the content of the specification should not be construed as limiting the invention.
Claims
1、 一种带条形码信用卡系统， 包括信用卡及银行系统， 所述信用卡为银 行信用卡， 所述银行系统为信用卡发卡行信用卡系统， 其特征在于还包括： 条形码， 所述条形码设于信用卡上， 所述条形码对应的号码同时也是会 员卡号码； A barcoded credit card system, comprising a credit card and a banking system, the credit card being a bank credit card, the banking system being a credit card issuing bank credit card system, characterized in further comprising: a barcode, the barcode being arranged on the credit card The number corresponding to the barcode is also the membership card number;
数据库系统， 所述数据库系统存储有条形码信息， 即信用卡持卡人信息； 所述数据库系统还存储有商户名单； 商户会员管理系统， 所述商户会员管理系统设于各商户内， 存储有会员 的条形码信息， 并受理持卡人的会员服务申请， 向持卡人提供会员服务。 a database system, the database system stores barcode information, that is, credit card holder information; the database system further stores a merchant list; a merchant member management system, the merchant member management system is disposed in each merchant, and stores the member Barcode information, and accepting the cardholder's membership service application, providing member services to the cardholder.
2、 如权利要求 1所述的带条形码信用卡系统， 其特征在于： 所述数据库系统还包括注册系统， 将新发放的信用卡上的条形码信息存 储至所述数据库系统。 2. The bar coded credit card system of claim 1 wherein: said database system further comprises a registration system for storing bar code information on the newly issued credit card to said database system.
3、 如权利要求 1所述的带条形码信用卡系统， 其特征在于： 所述商户会员管理系统还包括会员识别系统， 所述会员识别系统在接受 持卡人会员服务申请时， 将持卡人的条形码号码信息在所述会员管理系统内 检索， 当所述持卡人的条形码信息已经存储于所述商户会员管理系统时， 为 持卡人提供会员服务。 3. The barcoded credit card system according to claim 1, wherein: said merchant member management system further comprises a member identification system, and said member identification system, when accepting the cardholder member service application, the cardholder's The barcode number information is retrieved within the member management system, and when the cardholder's barcode information is already stored in the merchant member management system, the cardholder is provided with a member service.
4、 如权利要求 1所述的带条形码信用卡系统， 其特征在于： 所述商户会员管理系统还包括会员积分系统， 所述会员积分系统在所述 商户会员管理系统向持卡人提供会员服务后， 向所述数据库系统增加会员服 务记录及持卡人条形码信息积分。 4. The barcoded credit card system according to claim 1, wherein: said merchant member management system further comprises a member points system, said member point system after said merchant member management system provides member services to cardholders Adding member service records and cardholder barcode information points to the database system.
5、一种集信用卡、会员卡功能于一体的方法，其特征在于包括如下步骤： 5. A method for integrating credit card and membership card functions, comprising the steps of:
( 1 )、 将新发放的信用卡上设条形码； (1), set a barcode on the newly issued credit card;
( 2 )、 将持卡人的条形码信息录入数据库系统； 将商户名单录入数据库系统； (2) Entering the cardholder's barcode information into the database system; Enter the list of merchants into the database system;
(3)、 持卡人在数据库系统上选择商户并成为所述商户的会员； (3) The cardholder selects the merchant on the database system and becomes a member of the merchant;
(4)、 数据库系统将持卡人条形码信息传送至步骤（3) 中持卡人选择的 商户； (4) The database system transmits the cardholder barcode information to the merchant selected by the cardholder in step (3);
(5)、 步骤（4) 中的商户将持卡人条形码信息录入到会员管理系统； (5), the merchant in step (4) enters the cardholder barcode information into the member management system;
(6)、 商户终端向持卡人提供会员服务。 (6) The merchant terminal provides the member service to the cardholder.
6、 如权利要求 5所述的集信用卡、 会员卡功能于一体的方法， 其特征在 于步骤（2)之前， 还包括如下步骤： 持卡人向数据库系统申请注册， 注册成功后所述数据库系统将持卡人信 息录入。 The method for integrating credit card and membership card functions according to claim 5, characterized in that before step (2), the method further comprises the following steps: the cardholder applies for registration to the database system, and the database system is successfully registered. Enter the cardholder information.
7、 如权利要求 5所述的集信用卡、 会员卡功能于一体的方法， 其特征在 于步骤（6)之前， 还包括如下步骤： 7. The method of integrating credit card and membership card functions according to claim 5, characterized in that, before step (6), the method further comprises the following steps:
商户终端判断下载的持卡人信息是否已经为本商户会员， 并向会员提供 会员服务。 The merchant terminal determines whether the downloaded cardholder information is already a member of the merchant and provides member services to the member.
8、 如权利要求 5所述的集信用卡、 会员卡功能于一体的方法， 其特征在 于步骤（6)之后， 还包括如下步骤： ' 会员积分系统向数据库系统增加所述持卡人的条形码信息会员服务记录 及积分。 8. The method for integrating credit card and membership card functions according to claim 5, characterized in that after step (6), the method further comprises the following steps: 'The member credit system adds the cardholder's barcode information to the database system. Member service records and points.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2010/001316 WO2012027860A1 (en) | 2010-08-30 | 2010-08-30 | Credit card system with bar code and method for integrating credit card function and membership card function |
| PCT/CN2011/001423 WO2012027955A1 (en) | 2010-08-30 | 2011-08-26 | Debit card system with barcode and method for integrating functions of debit card and membership card |
| PCT/CN2011/001424 WO2012027956A1 (en) | 2010-08-30 | 2011-08-26 | System for member cards with bar codes and method for integrating functions of member cards of multiple stores |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2010/001316 WO2012027860A1 (en) | 2010-08-30 | 2010-08-30 | Credit card system with bar code and method for integrating credit card function and membership card function |
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| Publication Number | Publication Date |
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| WO2012027860A1 true WO2012027860A1 (en) | 2012-03-08 |
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| Application Number | Title | Priority Date | Filing Date |
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| PCT/CN2010/001316 WO2012027860A1 (en) | 2010-08-30 | 2010-08-30 | Credit card system with bar code and method for integrating credit card function and membership card function |
| PCT/CN2011/001424 WO2012027956A1 (en) | 2010-08-30 | 2011-08-26 | System for member cards with bar codes and method for integrating functions of member cards of multiple stores |
| PCT/CN2011/001423 WO2012027955A1 (en) | 2010-08-30 | 2011-08-26 | Debit card system with barcode and method for integrating functions of debit card and membership card |
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| Application Number | Title | Priority Date | Filing Date |
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| PCT/CN2011/001424 WO2012027956A1 (en) | 2010-08-30 | 2011-08-26 | System for member cards with bar codes and method for integrating functions of member cards of multiple stores |
| PCT/CN2011/001423 WO2012027955A1 (en) | 2010-08-30 | 2011-08-26 | Debit card system with barcode and method for integrating functions of debit card and membership card |
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| WO (3) | WO2012027860A1 (en) |
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| CN106447407A (en) * | 2016-11-02 | 2017-02-22 | 中国工商银行股份有限公司 | Self-help membership application method and device based on chip card |
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| CN1457172A (en) * | 2003-01-24 | 2003-11-19 | 刘景谷 | Method for using mobile phone sim card no. as identification for means of registered member to pay |
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| WO2012027955A1 (en) | 2012-03-08 |
| WO2012027956A1 (en) | 2012-03-08 |
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