A system and method for a mobile terminal to drive a peripheral device to complete payment, card writing, transfer, and electronic cash deposit with a financial IC card

Abstract

The invention discloses a system and a method for enabling a mobile terminal to drive peripherals to finish payment and card writing, fund transferring and electronic cash redepositing of a financial IC card. The system comprises a card reading and writing device, receipt printing equipment, a password keyboard, the mobile terminal, a bank service system and an industrial application system, wherein a business processing APP is installed on the mobile terminal and comprises a paying and card-writing module, a fund transferring module, an electronic cash redepositing module of the financial IC card and a driving module; the paying and card-writing module finishes fee payment of the industrial application system and reading and writing of the industrial IC card; the fund transferring module realizes fund flow between bank cards; the electronic cash redepositing module of the financial IC card finishes the redepositing transaction; the driving module drives the card reading and writing device to read and write different types of bank cards and industrial IC cards. The system and method disclosed by the invention can read and write various types of bank cards or industrial IC cards, supports the fee payment and card writing of the industrial IC cards of water, electricity, gas, public transport and the like, fund transferring between the bank cards and electronic cash redepositing of financial IC cards, and has the characteristics of wide application range, convenience and fastness and the like.

Description

technical field [0001] The invention relates to the field of mobile financial services, in particular to a system and method for a mobile terminal to drive peripherals to complete payment, card writing, account transfer, and financial IC card electronic cash loading. Background technique [0002] With the continuous development of science and technology and the continuous improvement of people's living standards, Internet finance has developed rapidly. Internet finance provides customers with out-of-the-box financial services, such as: online banking, telephone banking, mobile banking, self-service banking, third-party Pay etc. [0003] At present, all major commercial banks provide mobile banking financial services based on smartphone APPs, which can realize basic financial services such as balance inquiry, password modification, transfer and remittance, etc. Many first-time financial services such as Lakala, Qiandaibao, and Box Payment appear on the market. The third-part...

AI Technical Summary

Problems solved by technology

[0003] At present, all major commercial banks provide mobile banking financial services based on smartphone APPs, which can realize basic financial services such as balance inquiry, password modification, transfer and remittance, etc. Many first-time financial services such as Lakala, Qiandaibao, and Box Payment appear on the market. The third-party payment product is externally connected with a card swipe / card reader and PIN pad, which solves the problem of reading bank card information, but both mobile banking and third-party payment have the following problems in the use process: (1) Cannot read and write bank financial IC Card, you need to visit the banking business system in advance to bind the bank card and set the business scope

(2) Unable to realize financial IC card electronic cash loading

(3) The reading and writing of industrial IC cards cannot be realized, resulting in the limitation of the scope of mobile financial applications

(4) The business receipt cannot be printed in real time

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