NFC-based electric charge credit payment method and credit payment system

Abstract

The invention discloses an NFC-based electric charge credit payment method, and the method comprises the following steps: S1, a user uses a mobile terminal with an NFC function to apply for a card through an electric charge rechargeable card air card issuing system, and the card has a card swiping function; S2, the recharging management system is bound with a recharging card account of the user, and fund management of credit payment and certain repayment guarantee are provided; S3, the credit management system evaluates the credit rating of the account of the rechargeable card, and the cardholder obtains a corresponding credit line; and S4, when the rechargeable card credit platform arrives at the settlement date, the rechargeable card credit management platform initiates settlement with the credit guarantee institution, so that the amount of the rechargeable card of the card holder is recovered to the full amount state. According to the NFC-based electric charge credit payment method provided by the invention, the credit line function of first consumption and then repayment of an electric charge rechargeable card can be realized, and the continuous power utilization demand of a user is met.

Description

technical field [0001] The invention relates to the technical field of credit payment, in particular to an NFC-based electricity credit payment method and credit payment system. Background technique [0002] NFC is also called short-range wireless communication technology, which can perform short-range wireless communication between mobile devices, consumer electronics products, PCs and smart control tools, and plays a huge role in the fields of access control, public transportation, and mobile payment. NFC can turn your mobile phone into a wallet, and you can pay anytime, anywhere. Because using the NFC function for payment mainly has the following advantages: high security, good convenience, low energy consumption, and low manufacturing cost, making NFC more and more applied to the payment field. [0003] However, in the prior art, recharge cards are mostly used for electricity bill payment, and the payment mode is to pay first and use later. Cardholders need to pre-charg...

AI Technical Summary

Problems solved by technology

[0003] However, in the prior art, recharge cards are mostly used for electricity bill payment, and the payment mode is to pay first and use later. Cardholders need to pre-charge the recharge card before using electricity within the corresponding amount. It will not be able to continue to use electricity, and there will be a sudden power outage when it is in arrears, which will affect the user's electricity experience

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