System and method for realizing personal self-aid reimbursement business

A business and repayment machine technology, applied in the complete banking system, complete banking system, cash register, etc., can solve problems such as poor convenience of repayment business and potential safety hazards

Inactive Publication Date: 2007-01-10
卡友支付服务有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0015] The purpose of the present invention is to provide a system and method for realizing personal self-service repayment business, and overcome the technical problems of poor convenience and potential safety hazards in the current repayment business

Method used

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  • System and method for realizing personal self-aid reimbursement business
  • System and method for realizing personal self-aid reimbursement business

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Embodiment Construction

[0022] The following is based on figure 1 and figure 2 , a preferred embodiment of the present invention is given and described in detail, so that the functions and features of the present invention can be better understood.

[0023] In order to describe the present invention better, first the terms involved in the present invention are defined as follows:

[0024] FSK protocol: a data communication protocol based on dial-up private network.

[0025] Bank card: Refers to an electronic payment card issued by a financial institution or credit card company and used to obtain cash or obtain goods and services from special merchants. Including credit cards, debit cards, quasi-credit cards;

[0026] Credit card: refers to the issue issued by a financial institution or credit card company to grant revolving credit to the applicant. The cardholder obtains cash from a specific financial institution, transfers funds, or obtains goods and services from a special merchant, and repays ...

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PUM

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Abstract

The present invention relates to a personal self-help repayment service system and method. Said system includes in turn connected bankcard service platform, repayment service treatment platform, application services platform and repayment unit; wherein said repayment unit ciphering deal message, adopts FSK communication protocol transmitting to repayment service treatment platform; repayment service treatment platform deciphering and converting user enciphered message and making validity verifying, making service logical analysis to form fitting service required charging method and service method and generating operation flow definition, according to operation flow definition making message standardization processing, respectively originating relevant service deal request to bankcard service platform and application services platform; bankcard service platform and application services platform feeding back processed results to repayment service treatment platform, processing platform analysing feeding back result, submitting charging method and operational approach and notifying repayment unit, thereby constructing a safety and convenient personal self-help repayment operation system and method.

Description

technical field [0001] The present invention relates to a system and method for realizing personal self-service repayment business, in particular, to a bank card-based repayment business for personal self-service use, which is a market-oriented safe, convenient and efficient repayment business system and methods. Background technique [0002] With the development of the domestic gold card project, especially the establishment of China UnionPay, outstanding achievements have been made in the "networking universal" of bank cards. The number of bank cards issued continues to increase, and the use of bank cards is also becoming more and more popular. Due to the convenience and security of bank cards, the repayment business based on bank cards has become increasingly popular. Although the current repayment business based on bank cards is relatively extensive, and at the same time, online banking, mobile banking, online payment and other methods have also been applied to a certai...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00G07F7/08G07G1/14G06Q20/00G06Q40/02
Inventor 梁健张卿陈灏邓保军史晋王运诚
Owner 卡友支付服务有限公司
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