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IC card transaction method and system

A transaction method and technology of transaction times, which is applied in the field of financial transactions, can solve problems such as user inconvenience, restrictions on the promotion of financial IC cards, limited deployment of outlets and POS, etc., and achieve the effects of user-friendly use, convenience, and security

Active Publication Date: 2019-04-05
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, financial transactions involving IC card writing, such as loading, loading, and supplementary loading, need to be carried out on traditional channels such as POS terminals and bank outlet counters. Due to the limited deployment of outlets and POS, this brings great inconvenience to users. Inconvenience limits the promotion of financial IC cards

Method used

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  • IC card transaction method and system
  • IC card transaction method and system
  • IC card transaction method and system

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Embodiment Construction

[0042] In order to make the technical features and effects of the present invention more obvious, the technical solutions of the present invention will be further described below in conjunction with the accompanying drawings. The present invention can also be described or implemented in other different specific examples. The equivalent transformations done within all belong to the protection category of the present invention.

[0043] Such as figure 1 as shown, figure 1 It is a flow chart of an IC card transaction method according to an embodiment of the present invention, including:

[0044] Step S1: The smart mobile terminal establishes a connection with the IC card through the NFC module.

[0045] In another embodiment of the present invention, the mobile intelligent terminal provides a human-computer interaction interface, which can display the basic information of the IC card (IC card number and IC card serial number) and transaction type options, etc., when trading, se...

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PUM

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Abstract

The invention provides an IC card transaction method and an IC card transaction system. The method comprises that a mobile intelligent terminal establishes connection with an IC card through an NFC module; the IC card transmits transaction data containing information about the number of transactions to the mobile intelligent terminal; the mobile intelligent terminal sends the transaction data containing the information about the number of transactions to a background management system; the background management system verifies the transaction data containing the information about the number of transactions; a transaction request is processed after the transaction data passes the verification, and a processing result of the background management system is sent to the mobile intelligent terminal; and the mobile intelligent terminal is interacted with the IC card and responds to the processing result of the background management system. According to the invention, the convenience of IC card transaction is improved, and the safety in transaction between the IC card and the background management system can be ensured.

Description

technical field [0001] The invention belongs to the field of financial transactions, in particular to a method and system for IC card transactions. Background technique [0002] At present, financial transactions involving IC card writing, such as loading, loading, and supplementary loading, need to be carried out on traditional channels such as POS terminals and bank outlet counters. Due to the limited deployment of outlets and POS, this brings great inconvenience to users. Inconvenience has limited the promotion of financial IC cards. Contents of the invention [0003] The IC card transaction method and system provided by the present invention can enable customers to conduct IC card transactions anytime and anywhere, which is convenient for users and can ensure the security of transactions between the IC card and the background management system. [0004] The invention provides an IC card transaction method, comprising: [0005] The mobile intelligent terminal establis...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/34G06Q20/32G06Q20/38
CPCG06Q20/322G06Q20/3278G06Q20/352G06Q20/382
Inventor 林祥明杨明杨红超
Owner BANK OF CHINA