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Charging system and settlement payment method

A technology of a charging system and a processing system, which is applied in the fields of charging system and settlement and payment

Inactive Publication Date: 2005-12-07
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

But again, when the amount in the membership card is insufficient, the remaining payment amount still needs to be paid by the member in cash or by swiping the card.

Method used

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  • Charging system and settlement payment method
  • Charging system and settlement payment method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0072] Embodiment 1, the consumption card charging system of the supermarket.

[0073] In order to stimulate consumer consumption, many supermarkets have issued consumption cards, in which a certain amount of money has been stored. When the consumer finishes shopping and checks out, part of the amount can be directly deducted from the consumer card, and the remaining payment amount is paid by the consumer in cash or by swiping the card. The structure of the consumption card charging system applying the present invention is as follows: the card held by the payer is the consumption card; the consumption card corresponds to a specific account, which stores all the current amount of the consumption card; the background account management system is the original The management system that manages these consumption cards can deduct the corresponding amount in the account corresponding to the consumption card according to the requirements, and there is no limit until the amount in the...

Embodiment 2

[0075] Embodiment 2, the credit card charging system of the shopping center.

[0076] In order to attract consumers to frequently purchase items in the shopping mall, some shopping centers will launch the activity of "shopping and giving points", that is, consumers can apply for a point card, and every time they make a purchase in the future, a certain amount will be added to the point card according to the shopping amount. When shopping next time, a certain percentage of the shopping amount can be deducted with certain points. For example, if a consumer spends 1,000 yuan for the first purchase after applying for a point card, 10% of the shopping amount, or 100 points, can be sent according to the point rules, and the amount for the second purchase is 80 yuan. According to the point rules, for example, each shopping Up to 30% of the shopping amount can only be deducted with points, so consumers can deduct 24 yuan when they spend the second time, and the remaining 56 yuan can o...

Embodiment 3

[0079] Embodiment 3, the social security card charging system of the hospital.

[0080] With the establishment of the social security system, a social security card charging system emerged. Every patient with medical insurance has a medical insurance account, which contains a certain amount of money, which is determined by the patient's medical insurance. When a patient holds a social security card for medical treatment, he or she can pay a certain percentage of the amount from the medical insurance account according to the calculation principles determined in advance by the medical insurance center, and the remaining payment amount is paid by the patient in cash. At present, some pharmacies have begun to use a similar system. The structure of the medical insurance card charging system after applying the present invention is as follows: the card held by the payer is the social security card, which corresponds to a medical insurance account; the account management system is th...

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PUM

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Abstract

A money collection system and a method for setting accounts and paying includes a collection terminal, a front-stage collection process system, a back-stage account management system and a switch system, among which, the front-stage collection process system is connected with the back-stage account management system, one end of the switch system is connected with the front-stage collection system or the back-stage account system, the other end is connected to the bank payment system. The paid money of the payer account is deducted from the payer account of the back-stage account management system and transferred to the collecting account of the front-stage collection process system, the rest money is transferred to the bank payment system via the switch system to send a payment request and receive the returned process result to be sent to the front-stage collection system to finish the account payment.

Description

technical field [0001] The invention relates to a charging system and a settlement payment method. Background technique [0002] At present, in some specific systems or organizations, such as shopping malls, medical systems, restaurants, clubs, etc., payment cards, social security cards, and membership cards presented by the payer can be used in advance in the specific accounts corresponding to these cards A part of the payment is paid, and the remaining payment amount is paid by the payer through cash or credit card or other payment means, or the entire payment amount may be paid through a specific account. Such a system does provide a certain convenient payment environment for the payer, but there is still the possibility that the payer will pay cash by himself, so that the payer has to carry payment tools such as cash or bank cards. [0003] For example, in order to attract consumers, many shopping centers now often launch shopping tools such as point cards. When consume...

Claims

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Application Information

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IPC IPC(8): G07F19/00
Inventor 徐晋耀张跃峰梁健徐蓉唐永芳张卿侯军戴奎光赵毓嵇文俊周中敏符瑜海涛王勇吴亚杰
Owner CHINA UNIONPAY
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