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Financial card transaction platform

A trading platform and financial card technology, applied in the field of trading platforms, can solve the problems of consumers' personal credit damage, payment of handling fees, etc.

Inactive Publication Date: 2007-12-19
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

And because the consumer does not need to pay immediately, there may be expenses that exceed the consumer's budget, causing damage to the consumer's personal credit
[0004] However, if a financial card is used instead of a credit card for consumption, there is still the problem of paying a handling fee for inter-bank transfers in the prior art

Method used

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  • Financial card transaction platform
  • Financial card transaction platform
  • Financial card transaction platform

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Embodiment Construction

[0014] Please refer to FIG. 1-FIG. 3 together below for schematic diagrams related to the financial card transaction platform 10 of the present invention.

[0015] Please refer to FIG. 1 , which is a schematic diagram of the connection between the financial card transaction platform 10 and the bank terminal 40 of the present invention.

[0016] As shown in FIG. 1 , the financial card transaction platform 10 is divided into two parts: a store terminal 21 and a relay station 22 . The store terminal 21 includes a receiving device 211 and a bank account 32 of the store. The relay station 22 includes a database 221 , a data analysis module 222 and a plurality of bank accounts 31 . Generally speaking, the store terminal 21 needs to sign a contract with the relay station 22 first, and set up the bank account 32 of the store, but the present invention is not limited thereto. The store terminal 21 is connected to the bank terminal 40 through the relay station 22 through the network. ...

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Abstract

A transaction platform of commercial card is prepared as setting a receiving unit and bank account at firm end, setting multiple bank account and databank at relay station, making on-line of relay station to network when transaction data of financial card is received by firm end, transferring transacted money amount from bank account of financial card to one bank account in relay station by relay station and transferring said transacted money amount from one bank account in relay station to bank account of firm by relay station.

Description

technical field [0001] The present invention relates to a trading platform, in particular to a trading platform using financial cards for transactions. Background technique [0002] With the development of network technology, the number of e-commerce transactions is increasing day by day, and consumers mainly pay by credit card. However, for the store, if the consumer uses a credit card for consumption, the store needs to pay the acquirer a handling fee. In addition, in small transactions, if each transaction needs to pay a handling fee to the acquirer, it will be a big expense for the store. Therefore, at present, many stores will pass on the credit card handling fee for small transaction amounts to consumers, making consumers less willing to use credit card transactions. [0003] On the other hand, for general consumers, using a credit card as a payment tool may not only need to bear additional handling fees passed on by the store, but also pay attention to account manag...

Claims

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Application Information

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IPC IPC(8): G06Q40/00G06Q20/34G06Q30/00
Inventor 林坤裕张峻玮
Owner CHAIN INFORMATION SYST