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Method and system for swiping and loading card by bank card

A bank card and card swiping technology, which is applied in the direction of complete banking system, complete banking system, coinless or similar appliances, etc., can solve the problems that cannot reflect the fast and convenient use of electronic cash, and the difficulty of electronic cash IC card loading , Increase the pressure on bank counters and other issues, to achieve the effect of wide support range, low cost, and wide range of placement

Active Publication Date: 2015-07-15
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In the current use of electronic cash cards, there is a common troublesome problem: it is difficult to load electronic cash IC cards
[0004] 1. Cash loading through outlets: Cash loading is carried out at the bank counter or designated acceptance point; this method must be guarded by bank counter personnel, which increases the pressure on the bank counter and cannot reflect the fast and convenient use of electronic cash;

Method used

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  • Method and system for swiping and loading card by bank card
  • Method and system for swiping and loading card by bank card
  • Method and system for swiping and loading card by bank card

Examples

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no. 1 approach

[0046] figure 1 It is a block diagram showing the structure of a system for credit card transfer using a bank card according to the first embodiment of the present invention.

[0047] Refer below figure 1 The system for credit card transfer using a bank card according to the first embodiment of the present invention will be described.

[0048] Such as figure 1 The system shown includes: a POS terminal 11 , an acquiring subsystem 12 , an inter-bank switching center 13 , and a card issuing subsystem 14 .

[0049] When the user swipes the credit card to transfer the transaction, he sends the consumption transaction to the acquiring subsystem 12 through the POS terminal 11, and the acquiring subsystem 12 forwards the consumption transaction to the card issuing subsystem 14 through the inter-bank switching center 13, and the card issuing subsystem 14 returns the consumption transaction result to The cross-bank switching center 13, the cross-bank switching center 13 forwards the ...

no. 2 approach

[0058] Refer below figure 2 The second embodiment of the present invention is a description of the system for credit card transfer using a bank card.

[0059] Such as figure 2 The system shown includes: a self-service terminal 21 , a third-party system 22 , an acquiring subsystem 23 , an inter-bank switching center 24 , and a card issuing subsystem 24 .

[0060] When the user swipes the credit card to transfer the transaction, the user sends the consumption transaction to the acquiring subsystem 23 through the self-service terminal 21 and the third-party system 22, and the acquiring subsystem 23 forwards the consumption transaction to the card issuing subsystem 25 through the inter-bank switching center 24, and the card issuing subsystem 25 returns the consumption transaction result to the cross-bank switching center 24, the cross-bank switching center 24 forwards the consumption transaction result to the acquiring subsystem 23, and the acquiring subsystem 23 forwards the c...

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Abstract

The invention relates to a method and a system for swiping and loading a card by a bank card. A POS (point-of-sale) terminal or a self-service terminal is used for sending purchase transaction to realize the function of deducting the amount of the bank card, and is used for sending cash loading transaction with the amount as same as that of purchase transaction to realize the function of loading an IC (integrated circuit) card. The POS terminal or the self-service terminal has the advantages of low cost, wide terminal placement range and convenience in use. The optional bank card can be used for loading the IC card and is wide in support range, and a user can complete card swiping and loading operations in a self-service manner, so that the pressure of a bank counter can be relieved, and manual labor can be decreased.

Description

technical field [0001] The invention relates to the field of financial data processing, in particular to a method and a system for using a bank card to swipe a card for deposit. Background technique [0002] With the development of social economy and the progress of the times, people have a more common and urgent demand for safe, convenient, standard and multi-purpose payment tools. The electronic cash card among the financial IC cards is accepted and used by more and more people because of its convenient use, good security and confidentiality, data processing capability, and long service life. In the current use of electronic cash cards, there is a common troublesome problem: it is difficult to load electronic cash IC cards. [0003] At present, there are 4 ways of financial IC card electronic cash circulation, and all of them have certain limitations: [0004] 1. Cash loading through outlets: Cash loading is carried out at the bank counter or designated acceptance point;...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G07F19/00
Inventor 黄敬陈超茵徐慧莹彭志远周宇李琳罗文灏杨静
Owner CHINA UNIONPAY
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