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Method for realizing transactions on terminal equipment by binding common card with bank card

A technology of terminal equipment and bank cards, which is applied in the direction of code identification card or credit card start-up, complete banking system, complete banking system, etc. It can solve the problems of increasing operating costs and wasting social resources, and achieves convenience for the public. Effects of reducing risk and expanding the scope of use

Inactive Publication Date: 2010-05-19
张龙其
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This not only increases the operating cost of the enterprise, wastes social resources, but also does not really make people's lives more convenient.

Method used

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  • Method for realizing transactions on terminal equipment by binding common card with bank card
  • Method for realizing transactions on terminal equipment by binding common card with bank card
  • Method for realizing transactions on terminal equipment by binding common card with bank card

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0018] according to figure 1 As shown, the user 6 recharges the phone bill of the mobile phone. The user 6 swipes the ordinary card bound with the bank card on the terminal device 5, enters the mobile phone number to be recharged on the terminal device 5, selects the recharge amount, and enters the bound bank card. The terminal device 5 sends the request packet containing the recharged mobile phone number, recharge amount, bound ordinary card number, and bank card ciphertext password information to the system management platform 4, and the system management platform 4 sends the user 6 Replace the normal card number of the bank card with the bound bank card number, send a transfer request to Bank 1, and the transfer target is the account of the system operator 3, and the system management platform 4 will send a transfer request to the mobile operator 2 after receiving the successful response from Bank 1. Recharge request, after receiving the request, the mobile operator 2 will ...

Embodiment 2

[0020] according to figure 2 As shown, the user 6 swipes the ordinary card bound with the bank card on the terminal device 5, enters the meter number, and the terminal device 5 sends the query request packet containing the meter number to the system management platform 4, and the system management platform 4 receives the After the request, an inquiry request is sent to the power supply bureau 7, and the power supply bureau 7 sends the query result to the terminal device 5 through the system management platform 4. After the password, the terminal device 5 sends the payment request including the ordinary card number, payment amount, bank card ciphertext password and other information to the system management platform 4, and then the system management platform 4 replaces the user's ordinary card number with the bound bank card number , send a transfer request to the bank 1, the transfer target is the account of the system operator 3, and the system management platform 4 sends a ...

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Abstract

The invention provides a method for realizing transactions on terminal equipment by binding a common card with a bank card. The principle of the method is as follows: the cardholder binds the band card and the common card, a system management platform records the binding relationship between the two cards, when needing payment transaction, the cardholder swipes the common card bound with the bank card on the terminal equipment and inputs the corresponding information and the code of the bound bank card, the terminal equipment sends the swiped common card number and the ciphertext code of the bank card to the system management platform, the system management platform replaces the common card number with the bound bank card number and then sends the transaction request to the bank, after the bank executes fee deduction transaction, the platform carries out recharging, payment and purchase with the operators and then sends the result information to the terminal, and the terminal directly displays the result information to the cardholder. The method is especially suitable for the unattended terminal, can provide 24-hour service, facilitate the cardholders and avoid the risk that the lawbreakers can simultaneously obtain the information and codes of the bank cards.

Description

technical field [0001] The invention relates to a bank card transaction method, in particular to a transaction method for effectively ensuring the security of the bank card. Background technique [0002] At present, there are more than one billion bank cards issued in my country, most of which are in a dormant or semi-dormant state, and do not really realize the function of electronic payment. The main reasons are: first, cardholders have concerns about the safety of bank cards; second, the number of payment terminals is limited; third, the functions of bank cards are currently only used for depositing and withdrawing cash on ATMs, shopping malls, and hotels. Settlement, the field of practical application is still relatively narrow. [0003] With the progress of society and the improvement of people's living standards, various services such as payment, recharge, and ticket booking are often used in people's daily life, but these services basically require special personnel ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G07F19/00G07F7/08G07F7/10G06Q20/34
Inventor 张龙其
Owner 张龙其
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