City one-card payment system

A payment system and cartoon technology, applied in the payment system structure, instruments, data processing applications, etc., can solve the problems of high investment cost, limited number of delivery points, and few types of payment services, and ensure payment security, payment operation is simple, The effect of various types of payment

Inactive Publication Date: 2012-04-11
ZUNYI YIYITONG TECH NETWORK
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  • Abstract
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AI Technical Summary

Problems solved by technology

[0003] However, the bank self-service system generally adopts the C\S architecture, and various self-service equipment and banking business servers are connected through a local area network. The investment cost is high and the number of delivery points is limited.
On the one hand, the online bill payment business is only aimed at the majority of netizens, and they need to go to the bank counter to handle online banking business. When paying online, the procedures are quite cumbersome, and because the online platform is aimed at users across the country, all online bill payment services are for users across the country. , there are few types of payment services, which can meet most of the payment needs of big cities, but it is difficult to take into account the payment needs of small cities and towns

Method used

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  • City one-card payment system

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Embodiment Construction

[0013] The user applies for the city card payment card at the bank, and divides the main payment card and the auxiliary payment card. The main payment card and the auxiliary payment card share a bank account. The main payment card supports payment, consumption, deposit and withdrawal, and transfer functions; the auxiliary payment card only supports Payment and deposit functions. Use the secondary card when paying the fee. Even if it is lost or stolen, it will not affect the account information and bring economic losses to the user.

[0014] The user uses the secondary payment card on the payment terminal. After the card reader of the payment terminal reads the card number information, it sends the information in the form of a message to the enterprise database of the data server through the Internet network. The enterprise database is connected to the bank business database through a designated port , and send the card number information to the banking database in the banking...

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Abstract

The invention provides a city one-card payment system which comprises a payment main card, a payment secondary card, payment information, a payment terminal, an enterprise database, a data server, a banking business database and a banking business server. The city one-card payment system provided by the invention is a system which is based on a B / S (browser / server) framework, is capable of ensuring payment security and has the advantages of low investment, diverse payment services and simplicity and convenience in payment operation.

Description

technical field [0001] The invention relates to a city card payment system. Background technique [0002] The development of e-commerce has led to the electronic development of the banking industry's bill payment business. Major banks have launched various self-service equipment, which can automatically deposit and withdraw money, pay various fees, and have also opened online bill payment services, bringing life to citizens. It has brought great convenience, relieved the business pressure on the bank counter, and alleviated the problem of long queues for citizens to go to the bank to handle business. [0003] However, the bank self-service system generally adopts the C\S architecture, and various self-service devices are connected to the banking business server through a local area network. The investment cost is high and the number of delivery points is limited. On the one hand, the online bill payment business is only aimed at the majority of netizens, and they need to go...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34
Inventor 胡慧
Owner ZUNYI YIYITONG TECH NETWORK
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