On-line operation method of financial equipment

Abstract

The invention relates to an on-line operation method of financial equipment. Firstly, front end financial equipment is provided to receive a payment card for transaction. Then, after the payment card is received, the front end financial equipment identifies a card type and a relevant financial institution which the payment card belongs to. Lastly, the financial equipment is in on-line connection with the relevant financial institution and transmits data of the payment card to the relevant financial institution according to the card type of the payment card and transmission rules which are needed to be followed, so that the relevant financial institution is enabled to conduct processing performance on payment movement of the payment card. By means of the on-line operation method of the financial equipment, when users use financial cards to conduct payment movement through the financial equipment, high efficiency is obtained and cross-bank processing is unnecessary. Therefore, the users can save procedure fee of cross-bank processing, and if the users use the financial cards to conduct the payment movement through the financial equipment, probability that credit cards are accepted and used by the financial equipment is increased.

Description

technical field [0001] The invention relates to a financial device, in particular to an online operation method between a front-end financial device and a back-end financial institution. Background technique [0002] For a long time, an automatic teller machine (Automatic Teller Machine, ATM) has always been one of the very convenient tools in the life of ordinary people. Users can save some unnecessary troubles through ATM, and financial institutions can also extend the service provision time through ATM. [0003] Generally speaking, the ATM services most commonly used by users are deposits, withdrawals and transfers. However, none of the ATMs currently on the market accept chip cards other than our bank for deposits. Furthermore, although ATMs accept chip cards other than our own bank for inter-bank cash withdrawals and inter-bank transfers, the financial institution that provides the ATM will charge a handling fee for inter-bank processing. Although the handling fee is...

AI Technical Summary

Problems solved by technology

[0008] Under the above circumstances, if the chip card held by the user is not issued by the financial institution, the user can only be charged the inter-bank transfer fee, otherwise the ticket cannot be purchased

Furthermore, if the credit card held by the user is not issued by the financial institution, the user cannot use the credit card to buy tickets

[0009] To sum up, traditional financial equipment can only correspond to a single financial institution at the back end, causing great inconvenience to users

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