Bank card payment system based on market trace platform and payment settlement method

Abstract

The invention discloses a bank card payment system based on a market trace platform and a payment settlement method. The bank card payment system comprises an external connection unit, a transaction service unit, a security policy deployment unit, an electronic scale information collection unit and a trace information service unit. A bank business system is connected with the transaction service unit through the external connection unit, and the transaction service unit is connected with the trace information service unit through the security policy deployment unit A. The payment settlement method comprises the steps of card swiping, payment information exchange between the trace platform and a bank, card legality and authenticity verification of the bank, card-card transfer and the like. On the basis of the market trace platform, a financial integrated circuit (IC) card containing trace information and an electronic scale supporting card reading are introduced to seamlessly connecting the market trace platform and the bank business system, safe and reliable finance-level payment settlement is achieved, and fund payment of contracting parties in the commerce and trade market is greatly simplified and facilitated.

Description

technical field [0001] The invention relates to a bank card payment system, in particular to a bank card payment system and a payment settlement method based on a market tracing platform supporting multi-application IC cards. Background technique [0002] The origin of the traceability system originated from the scare caused by the mad cow disease in the UK in 1996. Two other food safety incidents - the Danish pork salmonella contamination incident and the Scottish E. coli incident (resulting in 21 deaths) also caused EU consumers to question the government's food safety supervision. There is a lack of confidence, but these food safety crises have also prompted the establishment of traceability systems. For this reason, the livestock product traceability system was first established within the EU. Provide consumers with more detailed information on the food they consume through food traceability management. It can be predicted that "traceable" management is inevitable for ...

AI Technical Summary

Problems solved by technology

However, the existing wholesale market basically does not realize network interoperability with commercial banks. Even if some markets are equipped with bank card terminal equipment of banking financial institutions, users must hold two or more IC cards to complete payment and settlement. One traceability card , which is used to trace market commodity information, and the other is a bank card, which is used for fund settlement, so that although users can transfer money on the spot, but because market traceability and market settlement are not combined, users need to go through two stages to complete the market Tracing and settlement, bringing great inconvenience to users

Not only that, because the traceability card belongs to the market management, and the bank card belongs to the bank management, which is not conducive to unified management, and because there are many participants, it is easy to be used by speculators, and the traceability information may not be true and accurate.

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