Payment card processing system

A payment card and processing device technology, applied in the field of payment card transactions, can solve problems such as difficulty in repayment

Inactive Publication Date: 2005-11-02
杨红芳
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Cardholders still face the problem of difficult repayment in the process of using credit cards. Although some credit cards issued by card issuers allow the use of debit cards or passbooks of other banks for repayment, card

Method used

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Examples

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Embodiment Construction

[0021] In the following, in conjunction with the accompanying drawings, taking the payment card corresponding to the savings account and credit account in the account information storage and processing device as an example, the operation flow of the payment card processing system according to the present invention will be introduced, so that those skilled in the art can understand the present invention more clearly. Features and advantages of the invention.

[0022] figure 1 As shown in the payment card, when it only corresponds to one or more savings accounts, the payment card is a debit card; when the payment card only corresponds to one or more credit accounts, the payment card is a credit card; When a savings account corresponds to a credit account, the payment card is a multi-category account payment card.

[0023] image 3 In one embodiment of the present invention shown, the payment card transaction information enters the host computer of the card issuer through the r...

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Abstract

A payment card process system. The payment card aforementioned can correspond to multiple different accounts comprised saving account and credit account; decide device of host in organization of sending cards decides the business type of payment card, and selects different account for different business type decided; when available balance of selected account is less than the business amount, the decide device will prompt card-holder to select other accounts of payment card; only when available balances of all accounts exceed business amount, it can completes the payment card business. This system and method not only increases business top limit, its application efficiency; but also decrease cost for sending cards and accounts management, and brings convenience to card-holders to manage their accounts.

Description

technical field [0001] The present invention generally relates to the field of payment card transactions, and in particular to a payment card processing system for completing transactions by judging transaction types. Background technique [0002] Due to the different nature and processing systems of debit cards and credit cards, card issuers regard debit cards and credit cards as two independent payment card varieties. However, this increases the cost of card issuance and account management of card issuers, and also increases the cost of cardholders' use of payment cards, which to a certain extent affects the enthusiasm and efficiency of cardholders in using payment cards. E.g: [0003] Since cash withdrawal by credit card requires paying high fees and there is no interest-free period, cardholders choose payment cards with different functions in different transaction processes in order to save transaction costs: when withdrawing cash at ATMs, cardholders tend to With debi...

Claims

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Application Information

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IPC IPC(8): G07F19/00
Inventor 杨红芳
Owner 杨红芳
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