Novel application method for nationwide one-card interconnection-based credit payment

A cartoon and credit technology, applied in the field of credit payment application system, can solve the problems of reducing travel efficiency, unfavorable expansion of cardholders' travel needs, and affecting users' one-card payment experience, etc., to promote application, break through development limitations, and protect card accounts. Effect

Inactive Publication Date: 2017-06-13
GUANGDONG UNIV OF TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, the transportation card adopts the payment mode of paying first and then using it. Cardholders need to pre-charge the card before spending within the corresponding amount. When the balance of the transportation card is insufficient, they cannot continue to consume, which is not conducive to the travel needs of cardholders. Expansion, which affects the user's one-card payment experience and reduces travel efficiency

Method used

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  • Novel application method for nationwide one-card interconnection-based credit payment
  • Novel application method for nationwide one-card interconnection-based credit payment
  • Novel application method for nationwide one-card interconnection-based credit payment

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Embodiment Construction

[0019] Below, in conjunction with accompanying drawing and specific embodiment, the present invention is described further:

[0020] figure 1 It is the system structure diagram of the patent of the present invention, refer to figure 1 ,Available:

[0021] The credit payment system of the present invention comprises a credit front server, a credit management server, a member system, a credit payment TSM platform, a credit source management server and a clearing and settlement system platform.

[0022] 1. Front server

[0023] Provide all data requests from users, data interaction with commercial banks or credit guarantee institutions, etc.

[0024] It provides data source interfaces for other subsequent service functions, and protects other services from external attacks and reduces external risks;

[0025] 2. Credit management server

[0026] Used to set user credit parameters (such as each credit limit, credit times, credit validity period, single-use maximum credit limi...

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PUM

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Abstract

The invention discloses a novel application method for nationwide one-card interconnection-based credit payment. The credit payment is an accounting payment mode of use first and payment second, and is suitable for application scenes such as buses, metros, ferries, online booked cars, scenic spots, micropayment and the like; by cooperation with a third-party credit service provider, a small credit guarantee service is provided for a card holder; credit management of a card is provided, and offline credit payment, online credit synchronization and online credit limit adjustment of the card holder can be provided in a credit limit; and meanwhile, the credit payment has the characteristics of high trading speed, no need of recharge, and simple synchronization. A user can realize the credit payment by using a mobile phone or an intelligent wearable device supporting an NFC function.

Description

technical field [0001] The invention relates to the fields of public transportation and credit payment, and is a credit payment application system developed under the background of national interconnection. Background technique [0002] At present, the transportation card adopts the payment mode of paying first and then using it. Cardholders need to pre-charge the card before spending within the corresponding amount. When the balance of the transportation card is insufficient, they cannot continue to consume, which is not conducive to the travel needs of cardholders. Expansion affects the user's all-in-one card payment experience and reduces travel efficiency. Contents of the invention [0003] In order to overcome the deficiencies of the prior art, one of the purposes of the present invention is to provide the credit payment function of the transportation card, which can realize the credit line function of the transportation card first consumption and then repayment, and ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/24G06Q20/34G06Q20/40
CPCG06Q20/24G06Q20/351G06Q20/4018
Inventor 罗雪鹏谢胜利邹斌罗敏
Owner GUANGDONG UNIV OF TECH
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