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Substituting card swiping consumption system and method

A technology for swiping cards and card numbers on behalf of others, applied in the field of bank card applications

Inactive Publication Date: 2013-10-09
甘木林
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

As a tool for settlement and payment, users always need others to swipe their cards to pay for consumption orders due to unexpected reasons, and there are often risks in the consumption of other people's swipe cards, and none of the existing payment systems can fully control themselves when swiping cards on behalf of them. Consumption by bank card

Method used

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  • Substituting card swiping consumption system and method
  • Substituting card swiping consumption system and method

Examples

Experimental program
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Embodiment Construction

[0025] The present invention will be further described in conjunction with the accompanying drawings and specific embodiments.

[0026] refer to figure 1 , a kind of consumption method that can replace swiping card of the present invention, this method comprises the following steps:

[0027] (1) The transaction terminal sends transaction request information to the bank account management center by swiping the card or submitting the card number;

[0028] (2) Through the transaction terminal, choose whether to swipe the card by yourself. If you choose to swipe the card yourself, you can directly enter the account password and continue to complete the transaction. If you choose someone else to swipe the card on your behalf, go to the next step (3);

[0029] (3) The transaction terminal submits to the bank account management center the verification of other people's card swiping transaction information, and then the bank account management center sends the transaction information...

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Abstract

The invention relates to the field of bankcard application and provides a substituting card swiping consumption system and method which are simple in structure and safe and convenient to use, others can carry out card swiping consumption in a substituting mode, bankcard trade can be effectively managed, and the consumption state of bankcards can be controlled and known in real time. The system comprises a bankcard account management center, a trade terminal, a short message service center, a mobile communication terminal and the bankcards. The trade terminal is provided with an exclusive trade service module through which a substituting card swiping person obtains a temporary trading code from an owner of a bankcard account. The mobile communication terminal is in bonding connection with the bankcards. The owner of the bankcard account swipes a bankcard to select an owner-card-swiping mode through the trade terminal and then inputs the trading code to complete trading, the substituting card swiping person completes trading through the exclusive trade service module of the trade terminal, the exclusive trade service module submits trade information to the bankcard account management center, and then the bankcard account management center obtains the temporary trading code from the mobile communication terminal which is bound with the bankcard through the short message service center to complete trading.

Description

[0001] technical field [0002] The invention relates to the application field of bank cards, in particular to a consumption system and method for swiping cards on behalf of others. 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. As a tool for settlement and payment, users always need others to swipe their cards to pay for consumption orders due to unexpected reasons, and there are often risks in the consumption of other people's swipe cards, and none of the exi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/42
Inventor 甘木林
Owner 甘木林
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