A membership card of card-to-card foundation transferring and management and settlement system

A technology for membership cards and matching cards, applied in the fields of membership cards and management and settlement systems, can solve problems such as shortage of bank account resources, and achieve the effects of increasing card consumption, benefiting social harmony, and expanding card consumption.

Inactive Publication Date: 2008-07-09
谭伏根
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, existing bank account resources are increasingly stretched

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0015] Example 1: In order to display a charitable image, a bank carried out membership promotion campaigns, and decided to adopt the present invention to build a membership card and management settlement system for card-to-card transfer and donation, and develop major customers who sign up for membership by swiping deposit cards.

[0016] Assume that a major customer who is a member of the contract with a deposit card is shopping in a special shopping mall, and the settlement amount is 168 yuan. According to the report of the contracted member, the cashier of the special shopping mall rounded up 168 yuan to 200 yuan, and the balance of 32 yuan was voluntary zero deposit and lump sum withdrawal. The cashier swipes the main deposit card of the contracted member, and then swipe the card at the POS terminal of the shopping mall, and transfers the rounded 200 yuan to the membership card management and settlement system of the card-to-card transfer donation connected to the POS term...

Embodiment 2

[0017] Embodiment 2: In order to display a charitable image, a certain bank carried out a marketing campaign for membership solicitation and decided to adopt the present invention to construct a membership card and management and settlement system for card-to-card transfer and donation, and to launch a quota of 100 yuan (or 500 yuan, 1,000 yuan) by swiping the deposit card, and develop contract members by swiping the deposit card.

[0018] According to the signed deposit card usage agreement, 10% of the deposit card should be deposited, and 10% of the deposit should be donated. Assume that when a contracted member holding a 100-yuan fixed deposit card swipes the card for consumption at a special consumption place. The cashier swipes the card at the POS machine terminal of the shopping mall with the main card of the contracted member, and transfers the payment payable by the consumer to the membership card management and settlement system of the card-to-card transfer donation c...

Embodiment 3

[0019] Example 3: In order to expand and stabilize member customers, a special shopping mall decided to adopt a card-to-card transfer and donation membership card and management settlement system of the present invention, and implemented a member promotion activity of "you donate, I pay" shopping rebates.

[0020] Assume that the discounted price of a 32-inch color TV is 2680 yuan, and the mall will donate 10 yuan in cash. According to the agreement on the use of the deposit card signed by the customer, the cashier uses the main deposit card of the contracted member to swipe the card at the POS terminal of the mall, and transfers the payment of 2680 yuan from the contracted member to the card through the card-to-card connection connected to the POS terminal. The membership card management settlement system of the company will deduct from the consumer's main credit card account. At the same time, the card-to-card membership card management and settlement system issues an instru...

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PUM

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Abstract

A membership card for transferring a donation of money from card to card and a management settlement system are provided. The system uses the customer's debit card of the nominated bank via swinging the principal card in the consumption of the authorized consumptive places, such as, shopping, dining and drinking, entertainment, lodging etc, transfers the balance generating from the consolidation of the oddment less than 100 yuan according to the signed voluntary agreement, and implements the card-to-card donation of the installment savings and the quota donation. The lump-sum withdrawal of the money subtracted from the donation according to the stipulation quota should use the supplementary card after one year and the annual interest rate sanctified by People's Bank of China is obtained. With the KK symbol and effectively extending the resource of bank accounts, the system has the functions of recognizing and transferring the account payable, the due deposit and the due donation, and printing the three data according to the demands. The system is applicable to the member expansion of the banks and the emporiums and the marketing activities.

Description

technical field [0001] The invention relates to a member card for card-to-card transfer and donation and a management and settlement system, which is a new account management and settlement mode for bank account resource expansion. Background technique [0002] Due to the wide application of electronic cashier systems and POS terminals in consumer places, a new form of consumption is booming, which is credit card consumption. [0003] It is reported that as of June 2006, the number of bank cards issued nationwide has reached 960 million, the number of inter-bank transactions has reached 1.34 billion, and the amount of inter-bank transactions has reached 757.4 billion yuan. The popularity of POS card consumption and the huge amount of card consumption make it possible for small donations in the form of card-to-card transfer donations. [0004] However, existing bank account resources are increasingly stretched. As a last resort, banks can only clean up small accounts and in...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q90/00G06Q40/00G07F19/00G06Q40/02
Inventor 谭伏根
Owner 谭伏根
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