Card-issuing system, card management system and card-issuing method

Abstract

The invention provides a card-issuing system, a card management system and a card-issuing method. The card-issuing method can include the following steps: receiving card-issuing request information, wherein the card-issuing request information requests issuing of cards, the cards are issued through a co-branded card number system, and local deals are processed as local card standard deals; corresponding to the card-issuing request information, judging an identification number and a serial number which are issued to a card in a co-branded mechanism; using the identification number to generate a distinguishing code distinguishing the card, and enabling the local deals of the card to be processed to be the local card standard deals; substituting the identification number, the serial number and the distinguishing code into a check number calculation formula to judge a check number related to the card; combining the identification number, the serial number, the distinguishing code and the check number to judging a card number related to the card; generating magnetic track 2 data containing identifier information of a member mechanism and the card number of the card; and issuing the card recording the magnetic track 2 data.

Description

technical field [0001] Embodiments of the present invention relate to a card issuing system, a card management system and methods thereof. technical background [0002] The existing service is to record the card number, authentication number, and expiration date in the card containing MS / IC for electronic settlement. Here, the cards used for electronic settlement can be divided into local cards and co-branded cards. The local card is optimized in the local characteristics of completing electronic settlement, the transaction is recognized and the handling fee is cleared; the co-branded card is based on the definition in the joint institution, the transaction is approved and the handling fee is cleared. [0003] The transaction of the local card is approved according to the standard transaction procedure of the local card, and has the feature that the transaction fee is calculated. Here, when calculating the fee, it has the advantage of not needing to calculate the fee of the...

AI Technical Summary

Problems solved by technology

[0003] The transaction of the local card is approved according to the standard transaction procedure of the local card, and has the feature that the transaction fee is calculated. Here, when calculating the fee, it has the advantage of not needing to calculate the fee of the joint institution, but there is no Disadvantages of not being able to conduct overseas transactions through local cards when overseas transaction participants sign one-to-one contracts

[0004] The transaction of the co-branded card is approved according to the transaction procedures defined in the joint agency of each card, and the handling fee for transaction approval is calculated according to the method defined in the joint agency. Here, overseas transactions can be carried out according to the policy of the joint agency advantages, but there is a disadvantage that local transactions and overseas transactions have nothing to do, and each transaction in the joint agency must pay a certain amount of additional handling fees

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