WO2012027955A1 - Debit card system with barcode and method for integrating functions of debit card and membership card - Google Patents
Debit card system with barcode and method for integrating functions of debit card and membership card Download PDFInfo
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- WO2012027955A1 WO2012027955A1 PCT/CN2011/001423 CN2011001423W WO2012027955A1 WO 2012027955 A1 WO2012027955 A1 WO 2012027955A1 CN 2011001423 W CN2011001423 W CN 2011001423W WO 2012027955 A1 WO2012027955 A1 WO 2012027955A1
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- cardholder
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- debit card
- barcode
- database system
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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 bar code debit card system and a method of integrating a debit card and a membership card.
- 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, such as schools, clubs, bookkeeping, offices, groups, etc. where identification is required. 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.
- 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.
- existing membership cards are single-member membership cards and cannot be used by other merchants; there are now debit cards that can be used as membership cards for a merchant, but are still limited to use at one merchant, and on debit cards. Without a barcode, the merchant's input of the membership number is inefficient. 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 debit card system and a method for integrating the debit card and the membership card into one, and the specific scheme is not suitable for the above-mentioned membership card, and cannot be used together with the debit card.
- a barcoded debit card system comprising a debit card and a banking system, the debit card is a bank debit card, the banking system is a debit card issuing bank debit card system, and further comprising: a barcode, The barcode is set on the debit card, and the number corresponding to the barcode is also the membership card number; in the database system, the database system stores the barcode information, that is, the debit card holder information, and the database system also stores the merchant list.
- the merchant member management system the merchant member management system is set in each merchant, stores the barcode information of the member, and accepts the cardholder's member service application, and provides the member card service to the cardholder, and the database system further includes registration The system stores the barcode information on the newly issued debit 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 cardholder selects the merchant on the database system and becomes a member of the merchant
- the database system transmits the cardholder barcode information to the cardholder in step (4) to select the merchant; (6), the merchant in step (5) enters the cardholder barcode information into the member management system; (7), the merchant terminal provides the member service to the cardholder.
- 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 debit card, so that the debit card has the dual functions of a debit card and a membership card, and the unique barcode is unified through the database system. Management, applicable to the identification of cardholders in different merchant member management systems.
- the debit card function and the membership card function are concentrated on one debit card, and the cardholder only needs to carry one card.
- the bank debit card system and the membership system of different merchants can be used, which greatly facilitates cardholders, banks and merchants, and saves social resources. detailed description
- 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 set of information;
- a database system the database The system stores barcode information, that is, debit card holder information, including the cardholder barcode number, cardholder name, date of birth, home address, contact number, and member service record; meanwhile, the database system also stores List of merchants.
- a merchant member management system wherein 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, Cardholders provide membership services.
- the cardholder uses the debit card on the bank terminal, the card uses the magnetic stripe on the debit card for identification. At this time, the debit card is used in the same manner as the ordinary debit card;
- the merchant terminal uses the scanner to read the barcode number on the debit 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 debit card, the barcode information on the debit card, together with the cardholder personal information, including the barcode number, name, date of birth, home address And the contact number is 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.
- the utility model also comprises a method for integrating a debit card and a membership card, comprising the following steps: (1), setting a barcode on the newly issued debit card;
- the cardholder selects the merchant on the database system and becomes a member of the merchant
- the database system transmits the cardholder barcode information to the cardholder in step (4) Merchant
- step (5) the merchant in step (5) enters the cardholder barcode information into the member management system;
- the merchant terminal provides member services to the cardholder.
- 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.
- 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.
Abstract
The present invention discloses a debit card system with a barcode, comprising a barcode, a database system, and a supplier's membership management system. Also a method for integrating functions of a debit card and a membership card, comprising the following steps: (1) providing a barcode on a newly issued debit card; (2)the cardholder applying for registration with a database system, and the database system recording the information of the cardholder after successful registration; (3) entering the barcode information of the cardholder into the database system, entering a merchant list into the database system; (4) the cardholder selecting a merchant in the database system and becoming a member thereof; (5) the database system transmitting the barcode information of the cardholder to the merchant selected by the cardholder in step (4); (6) the merchant in step (5) entering the barcode information of the cardholder into a membership management system; and (7) a terminal of the merchant providing membership services for the cardholder.
Description
一种带条形码借记卡系统及一种集借记卡、 会员卡功能于一体的方法 技术领域 Method for integrating barcode debit card system and function of debit card and membership card
本发明涉及一种带条形码借记卡系统及一种集借记卡、 会员卡功能于一 体的方法。 背景技术 说 The present invention relates to a bar code debit card system and a method of integrating a debit card and a membership card. Background art
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， 俱乐部， 公书司， 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 在也有借记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， 而且借记卡上没有条形码， 商户输入会员号码效率 ^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, such as schools, clubs, bookkeeping, offices, groups, etc. where identification is required. 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, existing membership cards are single-member membership cards and cannot be used by other merchants; there are now debit cards that can be used as membership cards for a merchant, but are still limited to use at one merchant, and on debit cards. Without a barcode, the merchant's input of the membership number is inefficient. 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， 且不能和借记卡共同使用的缺陷， 提供了一种带条形码借记卡系统及一种集借记卡、 会员卡功能于一体的方法， 具体方案如下：
一种带条形码借记卡系统， 包括借记卡及银行系统， 所述借记卡为银行 借记卡， 所述银行系统为借记卡发卡行借记卡系统， 还包括： 条形码， 所述 条形码设于借记卡上， 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， 即借记卡持卡人信息， 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， 所述数据库系统还包括注册系统， 将新发放的借记卡上 的条形码信息存储至所述数据库系统。 The invention provides a barcode debit card system and a method for integrating the debit card and the membership card into one, and the specific scheme is not suitable for the above-mentioned membership card, and cannot be used together with the debit card. as follows: A barcoded debit card system, comprising a debit card and a banking system, the debit card is a bank debit card, the banking system is a debit card issuing bank debit card system, and further comprising: a barcode, The barcode is set on the debit card, and the number corresponding to the barcode is also the membership card number; in the database system, the database system stores the barcode information, that is, the debit card holder information, and the database system also stores the merchant list. The merchant member management system, the merchant member management system is set in each merchant, stores the barcode information of the member, and accepts the cardholder's member service application, and provides the member card service to the cardholder, and the database system further includes registration The system stores the barcode information on the newly issued debit 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。 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 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. 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.
以及一种集借记卡、 会员卡功能于一体的方法， 包括如下步骤： And a method for integrating a debit card and a membership card, comprising the following steps:
( 1 )、 将新发放的借记卡上设条形码； (1), set a barcode on the newly issued debit card;
( 2 )、 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； (2) The cardholder applies for registration with the database system. After the registration is successful, the database system records the cardholder information;
( 3 )、 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； (3) Entering the cardholder's barcode information into the database system; entering the merchant list into the database system;
( 4 )、 持卡人在数据库系统上选择商户并成为所述商户的会员； (4) The cardholder selects the merchant on the database system and becomes a member of the merchant;
( 5 )、 数据库系统将持卡人条形码信息传送至步骤（4 ) 中持卡人选择^ 商户；
( 6 )、 步骤（5 ) 中的商户将持卡人条形码信息录入到会员管理系统； . ( 7 )、 商户终端向持卡人提供会员服务。 优选的， 在步骤（7 )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 database system transmits the cardholder barcode information to the cardholder in step (4) to select the merchant; (6), the merchant in step (5) enters the cardholder barcode information into the member management system; (7), the merchant terminal provides the member service to the cardholder. Preferably, before step (7), 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（7 )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， 在原有借记卡的基础上增加了具有唯一性的条 形码， 使借记卡具备了借记卡、 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， 将借记卡功能与会员卡功能集中在一张借记卡 上， 持卡人只需要携带一张卡即可使用银行借记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 Preferably, after step (7), 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 debit card, so that the debit card has the dual functions of a debit card and a membership card, and the unique barcode is unified through the database system. Management, applicable to the identification of cardholders in different merchant member management systems. With the technical solution of the present invention, the debit card function and the membership card function are concentrated on one debit card, and the cardholder only needs to carry one card. The bank debit card system and the membership system of different merchants can be used, which greatly facilitates cardholders, banks and merchants, and saves social resources. detailed description
下面将以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。 The invention is illustrated by the following detailed description of the embodiments of the invention.
在原借记卡磁条下方， 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， 携带一組信息的图形标识符； 数据库系统， 所述数据库系统存储有条形码信息， 即借记卡持卡人信息， 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借记卡时， 使用借记卡上的磁 条进行识别， 此时借记卡使用与普通借记卡使用相同； Under the original debit 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 set of information; a database system, the database The system stores barcode information, that is, debit card holder information, including the cardholder barcode number, cardholder name, date of birth, home address, contact number, and member service record; meanwhile, the database system also stores List of merchants. a merchant member management system, wherein 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, Cardholders provide membership services. In the above embodiment, when the cardholder uses the debit card on the bank terminal, the card uses the magnetic stripe on the debit card for identification. At this time, the debit card is used in the same manner as the ordinary debit card;
持卡人在商户间使用时， 商户终端用扫描枪读取借记卡上的条形码号码， 生成会员服务申请， 向持卡人提供会员服务。 所述数据库系统还包括注册系统， 持卡人在得到新发放的借记卡后， 将 借记卡上的条形码信息， 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。 When the cardholder is used between merchants, the merchant terminal uses the scanner to read the barcode number on the debit 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 debit card, the barcode information on the debit card, together with the cardholder personal information, including the barcode number, name, date of birth, home address And the contact number is stored in the database system.
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。 还包括一种集借记卡、 会员卡功能于一体的方法， 包括如下步骤： ( 1 )、 将新发放的借记卡上设条形码； 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. The utility model also comprises a method for integrating a debit card and a membership card, comprising the following steps: (1), setting a barcode on the newly issued debit card;
( 2 )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。 (2) The cardholder applies for registration with the barcode database system. After the registration is successful, the barcode database system records the cardholder information.
( 3 )、 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； (3) Entering the cardholder's barcode information into the database system; entering the merchant list into the database system;
( 4 )、 持卡人在数据库系统上选择商户并成为所述商户的会员； (4) The cardholder selects the merchant on the database system and becomes a member of the merchant;
( 5 )、 数据库系统将持卡人条形码信息传送至步骤（4 ) 中持卡人选择的
商户； (5), the database system transmits the cardholder barcode information to the cardholder in step (4) Merchant
( 6 )、 步骤（5 ) 中的商户将持卡人条形码信息录入到会员管理系统； (6), the merchant in step (5) enters the cardholder barcode information into the member management system;
( 7 )、 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（7 )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。 (7) The merchant terminal provides member services to the cardholder. As an improvement of the solution of the above embodiment, before the step (7), 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（7 )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 具体个例对本发明实施例的原理以及实施方式进行了阐述， 以上实施例的说 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 (7), 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. The principles and implementation manners of the embodiments of the present invention are described in the following. The description of the foregoing embodiments is only applicable to help understand the embodiments of the present invention. The present invention is not limited by the scope of the present invention, and the description of the present invention is not limited to the details of the present invention.
Claims
1、 一种带条形码借记卡系统， 包括借记卡及银行系统， 所述借记卡为银 行借记卡， 所述银行系统为借记卡发卡行借记卡系统， 其特征在于还包括： 条形码， 所述条形码设于借记卡上， 所述条形码对应的号码同时也是会 员卡号码； A barcoded debit card system, comprising a debit card and a banking system, the debit card being a bank debit card, the banking system being a debit card issuing bank debit card system, characterized in that it further comprises : a barcode, the barcode is set on a debit card, and the number corresponding to the barcode is also a membership card number;
数据库系统， 所述数据库系统存储有条形码信息， 即借记卡持卡人信息； 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； 所述数据库系统还包括注册系统， 将新发放的借记卡上的条形码信息存 储至所述数据库系统。 a database system, the database system stores barcode information, that is, debit 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's barcode information, and accepting the cardholder's membership service application, providing the cardholder with the member service; the database system further includes a registration system for storing the bar code information on the newly issued debit card to the database system.
2、 如权利要求 1所述的带条形码借记卡系统， 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。 2. The barcoded debit card system according to claim 1, wherein: said merchant member management system further comprises a member identification system, said member identification system holding a card when accepting a cardholder service application The barcode information of the person is retrieved within the member management system, and when the barcode information of the cardholder has been stored in the merchant member management system, the cardholder is provided with the member service.
3、 如权利要求 1所述的带条形码借记卡系统， 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。 3. The barcoded debit card system according to claim 1, wherein: said merchant member management system further comprises a member points system, said member point system providing members to said cardholders in said merchant member management system After the service, the member service record and the cardholder barcode information credit are added to the database system.
4、一种集借记卡、会员卡功能于一体的方法，其特征在于包括如下步骤： ( 1 )、 将新发放的借记卡上设条形码； 4. A method for integrating a debit card and a membership card, comprising the steps of: (1) setting a barcode on the newly issued debit card;
( 2 )、 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;' (2) The cardholder applies for registration with the database system. After the registration is successful, the database system will enter the cardholder information;
( 3 )、 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； (3) Entering the cardholder's barcode information into the database system; Enter the list of merchants into the database system;
( 4 )、 持卡人在数据库系统上选择商户并成为所述商户的会员； (4) The cardholder selects the merchant on the database system and becomes a member of the merchant;
(5)、 数据库系统将持卡人条形码信息传送至步骤（4) 中持卡人选择的 商户； 、 (5) The database system transmits the cardholder barcode information to the merchant selected by the cardholder in step (4);
(6)、 步骤（5) 中的商户将持卡人条形码信息录入到会员管理系统； (6), the merchant in step (5) enters the cardholder barcode information into the member management system;
(7)、 商户终端向持卡人提供会员服务。 (7) The merchant terminal provides member services to the cardholder.
5、 如权利要求 4所述的集借记卡、 会员卡功能于一体的方法， 其特征在 于步骤（7)之前， 还包括如下步驟： 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 method of integrating the debit card and the membership card according to claim 4, characterized in that before step (7), the method further comprises the following steps: the merchant terminal determines whether the downloaded cardholder information is already the merchant Members, and provide membership services to members.
6、 如权利要求 4所述的集借记卡、 会员卡功能于一体的方法， 其特征在 于步驟（7)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。 The method of integrating the debit card and the membership card according to claim 4, characterized in that after the step (7), the method further comprises the following steps: the member credit system adds the cardholder's barcode to the database system. Information member service records and points.
Applications Claiming Priority (2)
| 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 |
| CNPCT/CN2010/001316 | 2010-08-30 |
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| WO2012027955A1 true WO2012027955A1 (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/CN2011/001423 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 |
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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 |
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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 |
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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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| CN2454828Y (en) * | 2000-11-24 | 2001-10-17 | 颜廷芳 | Multifunctional storage medium |
| CN101393671A (en) * | 2008-10-28 | 2009-03-25 | 中国工商银行股份有限公司 | Merchant information processing method, apparatus and system based on bank card |
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| JP2003108748A (en) * | 2001-09-28 | 2003-04-11 | Sony Corp | Method for generalizing identification information, portal information providing device and ic card |
| 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 |
| CN101174320A (en) * | 2004-09-21 | 2008-05-07 | 陈澍 | Opened multi-merchant sharing member card system, terminal interactive method and merchant machine |
| CN101114356A (en) * | 2007-08-27 | 2008-01-30 | 台均科技（深圳）有限公司 | Multiuser member card management system |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN2454828Y (en) * | 2000-11-24 | 2001-10-17 | 颜廷芳 | Multifunctional storage medium |
| CN101393671A (en) * | 2008-10-28 | 2009-03-25 | 中国工商银行股份有限公司 | Merchant information processing method, apparatus and system based on bank card |
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| WO2012027956A1 (en) | 2012-03-08 |
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