Main-auxiliary bank card payment system and main-auxiliary bank card payment method

Abstract

The invention relates to the field of bank card application and provides a main-auxiliary bank card payment system and a main-auxiliary bank card payment method. The main-auxiliary bank card payment system is simple in structure, convenient to use and capable of effectively managing auxiliary bank card transactions and knowing and controlling auxiliary bank card consumption states in real time, and comprises a bank account management center, a transaction terminal, a short message service center, a mobile communication terminal, a main bank card and more than one auxiliary bank cards, an exclusive transaction service module for the auxiliary bank card to acquire temporary transaction password from the main bank card is arranged on the transaction terminal, the mobile communication terminal and the main bank card are in bound connection, the main bank card directly completes transactions through the transaction terminal, the auxiliary bank card completes transactions through the exclusive transaction service module of the transaction terminal, and the exclusive transaction service module acquires the temporary transaction password from the mobile communication terminal bound with the main bank card through the bank account management center and the short message service center to complete the transactions of the auxiliary bank card.

Description

[0001] technical field [0002] The invention relates to the application field of bank cards, in particular to a primary and secondary bank card payment system and method. Background technique [0003] Bank cards are publicly issued by commercial banks to the public and have all or part of the functions of consumer credit, transfer settlement, and cash deposit and withdrawal. As a tool for settlement and payment, it can replace cash receipts and payments in commodity transactions, eliminating many difficulties and burdens in cash carrying, identification, counting, and storage, and bringing convenience to buyers and sellers. At the same time, it can be realized freely without any restrictions on circulation, so it is widely used. With the development of society, the consumption mode of primary and secondary bank cards has emerged, that is, there are one primary bank card (referred to as the primary card) and more than one secondary bank card (referred to as the secondary ...

AI Technical Summary

Problems solved by technology

However, this method has a complex system structure and cannot realize real-time and complete control of the use of the secondary card. For example, when used in an enterprise, employees can use the secondary card independently according to the authorized password for consumption and then report the payment. There may be false reports after the fact. , it is impossible to understand and manage the consumption information of the supplementary card in real time, and for the consumption pattern of the primary and secondary bank cards used in the family, adults cannot understand and manage the child's withdrawal time and withdrawal amount in real time, and cannot effectively limit the child's consumption. The card usage limit is limited, but when the child can still use the password to withdraw money independently, if the monthly limit is withdrawn early, it will be used up in the middle of the month, and then fabricate reasons to ask the family for money, so that the child's consumption cannot be effectively controlled

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