Method and system for transferring between IC card electronic cash accounts

An electronic cash and account technology, applied in payment systems, payment system structures, instruments, etc., can solve problems such as not supporting electronic cash transfers, achieve the effects of improving user experience, increasing transformation costs, and solving erroneous recharging

Inactive Publication Date: 2016-09-07
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In order to better solve the problem that the existing process does not support electronic cash transfer, the present invention proposes a method and system for IC card electronic cash transfer. It can be used when cardholders want to recharge IC card electronic cash for their relatives and friends without going to the bank counter in order to better improve the use efficiency and user experience of cardholder electronic cash

Method used

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  • Method and system for transferring between IC card electronic cash accounts
  • Method and system for transferring between IC card electronic cash accounts

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Embodiment Construction

[0018] The technical means adopted by the present invention to achieve the intended invention purpose are further described below in conjunction with the drawings and preferred embodiments of the present invention.

[0019] In the embodiment of the present invention, the expressions of some terms are involved, which are explained as follows:

[0020] Electronic cash: It mainly refers to a small-amount payment application based on debit / credit applications designed to facilitate small-amount consumption of cardholders and their supplementary cardholders. The initial balance of the electronic cash account is RMB 0 The maximum balance shall not exceed RMB 1,000 (inclusive), and the amount of a single offline consumption shall not exceed RMB 200 (inclusive). The upper limit of electronic cash account balance or transaction limit can be set by Party A according to the product on the premise of complying with the relevant national regulations.

[0021] to combine figure 1 As shown...

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Abstract

The invention discloses a method and a system for transferring between IC card electronic cash accounts, wherein the method comprises the steps: step1, electronic cash account information of a transfer-out card is read; step2, off-line consumption is performed on the transfer-out card, the amount of consumption of the transfer-out card is deducted, and transaction data is generated; step3, information of a transfer-in card is read, if the sum of electronic cash balance and the transfer-out card consumption is less or equal to the bank authorized electronic cash limit is verified, if yes, a step 4 is executed sequentially; otherwise transfer failure is judged, and real-time transfer for a bank card main account to which the transfer-in card belongs is performed; step4, a transfer-in card account and transferred cash form a transaction message; step 5, an unspecified account transfer transaction of the transfer-in card is performed, a transfer message is generated, a script command from an issuing bank is received, and the update of electric cash is finished; and step 6, the transaction data is sent to a card association or the issuing bank to be liquidated.

Description

technical field [0001] The invention relates to the technical field of IC cards, in particular to a method and system for transferring funds between electronic cash accounts of IC cards. Background technique [0002] At present, the application of electronic cash is becoming more and more extensive. However, for the existing electronic cash process, it can generally only support several basic functions such as electronic cash loading, electronic cash consumption and offline return, and cannot yet support the transfer function of electronic cash, which leads to frequent The user mistakenly deposits the money ring into the electronic cash account of the IC card on a self-service device such as an ATM machine due to misoperation. As far as the existing process is concerned, if the user wants to withdraw the money again, he has to go to the business hall to cancel his electronic cash account before he can handle it. This greatly affects the cardholder's card experience, and ma...

Claims

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Application Information

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IPC IPC(8): G06Q20/10G06Q20/40
CPCG06Q20/105G06Q20/403G06Q20/10
Inventor 李定洲
Owner CHINA UNIONPAY
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