CN108197690B - Payment card, billing system and billing method - Google Patents
Payment card, billing system and billing method Download PDFInfo
- Publication number
- CN108197690B CN108197690B CN201711459159.XA CN201711459159A CN108197690B CN 108197690 B CN108197690 B CN 108197690B CN 201711459159 A CN201711459159 A CN 201711459159A CN 108197690 B CN108197690 B CN 108197690B
- Authority
- CN
- China
- Prior art keywords
- information
- payment card
- billing
- billing information
- invoicing
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/073—Special arrangements for circuits, e.g. for protecting identification code in memory
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Hardware Design (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Marketing (AREA)
- Economics (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a payment card and invoice billing system and method, wherein the payment card comprises a card body, an encryption chip is arranged in the card body, payment information is stored on the encryption chip, the encryption chip is electrically connected with a communication module, a value-added tax information storage module is further arranged on the card body, value-added tax invoice billing information of a payment cardholder is stored in the value-added tax information storage module, and the invoice billing information comprises the name of the payment cardholder, a taxpayer identification number, the address of the payment cardholder, a telephone number, a billing bank and account information. The invoicing system is used for invoicing value-added tax invoice for the payment money of the payment card, and the invoicing method is a method for invoicing by using the invoicing system. The invention can improve the efficiency of issuing value-added tax invoices and reduce the error rate of issuing invoices.
Description
Technical Field
The invention relates to the field of smart cards, in particular to a payment card with a payment function, an invoicing system using the payment card and an invoicing method implemented by applying the invoicing system.
Background
People now often pay during shopping using a variety of payment cards, such as bank-issued debit cards, credit cards, and the like. Most of the existing payment cards are provided with an encryption chip in the card body, and information such as payment card holder information, account information, balance and the like is stored in the encryption chip.
After shopping, people usually need to make invoices, such as value-added tax special invoices and the like. Since value-added tax special invoices are issued, information such as the name of a payer company, the identification number of a taxpayer, an address, a telephone, an account opening bank and an account number needs to be filled in, however, the filling of the information needs to be manually input in a tax system by a merchant, and the manual input is inefficient and is prone to errors. On the other hand, in the process of purchasing commodities on the spot in a supermarket or the like, sometimes the purchasing personnel do not need to clearly record the invoicing information, and certain trouble is brought to the invoicing of the value-added tax invoice.
Disclosure of Invention
A first object of the present invention is to provide a payment card that facilitates increased value invoices between payers and merchants.
It is a second object of the present invention to provide a billing system that reduces the error rate of invoicing by merchants to increase value.
The third purpose of the invention is to provide a billing method for facilitating the merchant to bill for the added value.
In order to achieve the main purpose, the payment card provided by the invention comprises a card body, wherein an encryption chip is arranged in the card body, payment information is stored in the encryption chip, the encryption chip is electrically connected with a communication module, the card body is also provided with a value-added tax information storage module, the value-added tax information storage module stores value-added tax invoice billing information of a payment cardholder, and the invoice billing information comprises the name of the payment cardholder, an identification number of the taxpayer, the address of the payment cardholder, a telephone number, an account billing bank and account information.
The value added tax information storage module is arranged in an encryption chip and is internally provided with a memory, and the memory stores an invoicing file which comprises invoicing information; the billing information comprises first billing information, second billing information, third billing information and fourth billing information, the first billing information comprises the name information of the payment card holder, the second billing information comprises the identification number information of the taxpayer, the third billing information comprises the address and the telephone number information of the payment card holder, and the fourth billing information comprises the information of the bank and the account number of the account.
Further, each piece of billing information comprises information of a label and a billing information value, and the billing information value is stored in an ASCII code form.
The further scheme is that when the billing information is written into the payment card, the main security domain of the payment card is selected, the authority for installing the application program is obtained, and an initial authentication key is assigned; sending a random number to a payment card, carrying out encryption calculation on the random number by using an authentication key to obtain ciphertext data, and obtaining the permission of establishing the file system application under the application instance and establishing the file system application by using an external authentication command and the ciphertext data; writing an application master control key and an application maintenance key of the file system application; and establishing a variable length recording file under the application of a file system, selecting the variable length recording file, and writing a plurality of pieces of billing information.
Optionally, the value-added tax information storage module is a two-dimensional code printed on the surface of the payment card, and the two-dimensional code is a two-dimensional code generated by using the invoicing information.
In order to achieve the second object, the invoicing system provided by the invention comprises an invoicing terminal, wherein the invoicing terminal is provided with a payment card reader, the payment card reader is used for reading the information of the payment card, and the payment card reader is also used for reading the value-added tax invoicing information on the payment card; and after the billing terminal acquires the value-added tax billing information, automatically filling the name of the payment cardholder, the taxpayer identification number, the address of the payment cardholder, the telephone number, the bank of account opening and the account number information in the value-added tax billing information into a corresponding billing information column.
The payment card reader is preferably used for reading a plurality of pieces of billing information stored in an encryption chip of the payment card, identifying the category of the billing information according to the label of each piece of billing information, and writing each piece of billing information into a corresponding billing information column by the billing terminal according to the identified category of the billing information.
The payment card reader is a two-dimensional code scanner, the two-dimensional code scanner scans and acquires a two-dimensional code printed on the surface of the payment card, and the billing terminal identifies the name of the payment card holder, the taxpayer identification number, the address of the payment card holder, the telephone number, the bank account and the account information and then automatically fills the information in a corresponding billing information column by acquiring the information of the two-dimensional code and according to the information represented by the acquired two-dimensional code.
In order to achieve the third object, the invoicing method provided by the invention comprises the steps that a payment card reader of an invoicing terminal reads information of a payment card, and the payment card reader reads value-added tax invoicing information on the payment card; and after the billing terminal acquires the value-added tax billing information, automatically filling the name of the payment cardholder, the taxpayer identification number, the address of the payment cardholder, the telephone number, the bank of account opening and the account number information in the value-added tax billing information into a corresponding billing information column.
Preferably, the reading of the value-added tax billing information on the payment card by the payment card reader comprises: reading a plurality of pieces of billing information stored in an encryption chip of the payment card, identifying the category of the billing information according to the label of each piece of billing information, and writing each piece of billing information into a corresponding billing information column by the billing terminal according to the identified category of the billing information.
Optionally, the payment card reader is a two-dimensional code scanner, the two-dimensional code scanner scans and acquires a two-dimensional code printed on the surface of the payment card, the billing terminal acquires information of the two-dimensional code, and automatically fills the information of the payment card holder name, the taxpayer identification number, the address of the payment card holder, the telephone number, the bank account and the account number into a corresponding billing information column after identifying the information represented by the acquired two-dimensional code.
According to the scheme, the value-added tax invoice billing information of the payment card holder is stored on the payment card, so that when invoices are drawn, the billing information is acquired through the payment card reader of the billing system, and the billing information is automatically filled in the corresponding billing information column, and the billing information can be automatically filled. The operation can avoid the condition that the merchant inputs the invoicing information manually, not only can save the time for filling the invoicing information, but also can avoid the condition that the invoice is wrongly made due to inaccurate manual input of the invoicing information, and effectively avoid the condition that the invoice is wasted and recycled due to the inaccurate filling of the invoicing information.
On the other hand, even if the payer forgets the specific content of the invoicing information, the invoicing of the invoice is not influenced, the payer does not need to record the specific content of the invoicing information, and the invoicing system can acquire the invoicing information on the payment card and directly fill the related invoicing information, so that the payer is prevented from recording the invoicing information of the value-added tax invoice.
In addition, the value-added tax invoicing information is stored in the memory of the encryption chip, so that the value-added tax invoicing information can be prevented from being stolen by lawbreakers, and the encryption chip can perform information interaction with the payment card reader through the existing communication mode, so that the communication is performed only by using the existing communication mode, and the development and maintenance difficulty of the invoicing system can be reduced.
And the name of the payment card holder, the taxpayer identification number, the address of the payment card holder, the telephone number, the bank of deposit and the account number information in the billing information are divided into a plurality of pieces of information and are identified by using corresponding labels, and after the billing terminal reads the information of the payment card, the corresponding content of each piece of billing information can be easily distinguished through the label of each piece of billing information, so that the value of each piece of billing information is filled in the corresponding billing information column, and the billing information filling efficiency is improved.
In another scheme, the invoicing information is printed on the surface of the payment card in a two-dimensional code mode, so that the storage cost of the invoicing information can be greatly reduced, a two-dimensional code scanner is very common equipment, and the two-dimensional code scanner is used for scanning the two-dimensional code and identifying the invoicing information, so that the identification efficiency of the invoicing information can be improved, and the production cost of payment can be reduced.
When the method of the invention is used for issuing the value-added tax invoice, a merchant does not need to manually fill in the information for issuing the value-added tax invoice, such as the name of a payer, the taxpayer identification number, the address of a payment card holder, the telephone number, the account information of an issuing bank, the account information and the like, thereby not only improving the issuing efficiency, but also effectively avoiding the occurrence of error in filling information.
Drawings
Fig. 1 is a block diagram showing the construction of a first embodiment of the payment card and a first embodiment of the billing system of the present invention.
Fig. 2 is a flow chart of a first embodiment of the billing method of the present invention.
Fig. 3 is a schematic structural diagram of a second embodiment of the payment card of the present invention.
Fig. 4 is a block diagram showing the structure of a second embodiment of the billing system of the present invention.
Fig. 5 is a flow chart of a second embodiment of the invoicing method of the invention.
The invention is further explained with reference to the drawings and the embodiments.
Detailed Description
The payment card of the invention can be a debit card, and can also be a card with payment function, such as a credit card, and a storage carrier for storing card information, such as encrypted information or a magnetic stripe, is required to be arranged in the card. The invoicing system can read the information on the payment card, acquire the information on the payment card, automatically identify the invoicing information of the value-added tax invoice on the payment card, and automatically fill the identified invoicing information into the corresponding invoicing information column of the invoice, thereby realizing the automatic invoicing of the value-added tax invoice. The invoicing method of the invention is a method for realizing invoicing of value-added tax invoices by applying the invoicing system.
The first embodiment:
referring to fig. 1, in the present embodiment, a payment card 10 has a card body, preferably, the card body is a sheet-shaped card body, the card body may be made of plastic or metal, and a mounting groove is milled in the card body, an encryption chip 11 is mounted in the mounting groove, and a memory 12 is disposed on the encryption chip 11 and used for storing information of the payment card, including information of an account number, a balance and the like of the payment card, which is used for being read during a payment process. After the payment is finished, the read-write device of the payment card, such as a card swiping terminal, rewrites the balance of the current payment card into the payment card, that is, into an encryption chip of the payment card.
Certainly, the card body of the payment card 10 is also provided with a communication module 13, the communication module 13 is electrically connected with the encryption chip 11, and the invoicing system 20 reads data in the encryption chip 13 through the communication module 13. In this embodiment, the memory 12 of the encryption chip 11 stores the value-added tax billing information of the payment card. In general, the cryptographic chip 11 is a chip having an operating system, that is, the chip's own operating system may be run on the cryptographic chip 11, and an application program is run on the operating system. In order to facilitate the billing system 20 to read the value-added tax billing information, an independent application program is commonly found on the operating system of the encryption chip 11, and a variable length record file is established in the application program, the record file is a storage file of the billing information, and the billing information of the payment card holder is stored in the record file, including the name of the payment card holder, such as a company name, and also storing taxpayer identification number, address, telephone, billing line and account number information.
Preferably, the billing information is stored in the memory 12, and the billing information is divided into a plurality of pieces of billing information to be stored, for example, a first piece of billing information records the name of the holder of the payment card, a second piece of billing information records the taxpayer identification number, a third piece of billing information records the address and the telephone, and a fourth piece of billing information records the information of the bank of the account and the account.
And, each piece of billing information adopts a TLV structure, that is, a structure of TAG, LNE, VALUE, where T represents a label, L represents a length of V, and V represents a specific numerical VALUE, for example, a piece of billing information including a taxpayer identification number is 9F 021831343430363137343930373838, where T is 9F02, for indicating that the content of the billing information is a taxpayer identification number, the length of V is the fifth and sixth digits, that is, the VALUE of L is 18, and the latter numerical VALUE is the VALUE of V, that is, 393134343034303036313734393039373838, which is the ASCII code of taxpayer identification number 914404006174909788. It can be seen that in the present embodiment, the specific numerical value of the taxpayer identification number is stored in the memory 12 in the form of ASCII code.
Each piece of billing information adopts a TLV structure, so each piece of billing information comprises a label of the billing information, for example, the name of a person holding the payment card is recorded in the first piece of billing information, the label is 9F01, the taxpayer identification number is recorded in the second piece of billing information, the label is 9F02, the address and the telephone are recorded in the third piece of billing information, the label is 9F03, and the information of the bank and the account number is recorded in the fourth piece of billing information, and the label is 9F 04.
When the payment card is manufactured, the billing information needs to be written into the payment card, and the flow of writing the billing information is as follows:
firstly, a main security domain of the payment card is selected by using a selection command, for example, a 00A4 command under the international smart card standard ISO7816 protocol, a security channel is opened according to the rules of the Global Platform organization (GP), the authority of an application program for installing the payment card is obtained, an application instance is installed by using an installation command, for example, an 80E6 command under the GP212 rule, and an initial authentication Key Key-A is specified.
Then, after selecting an application instance by using the selection command, sending the selection command to the payment card to obtain an 8-byte Random number Random a, performing 3DES (triple data encryption algorithm) encryption calculation on the Random number Random a by using an authentication Key-a to obtain 8-byte Ciphertext data ciphertex a, obtaining the authority to establish a file system (MF) application under the application instance by using an external authentication command and the Ciphertext data ciphertex a, and establishing the file system application by using a create file command.
And then, after the file system application is selected by using the selection command, writing an application master control key ACK and an application maintenance key AMK of the file system application by using a key writing command, wherein when the application maintenance key AMK is used for updating data, a check code is calculated, namely the check code is used when the data MAC is authenticated.
Then, a file creating command is used for creating a variable length recording file under the application of a file system, the read permission of the variable length recording file is free reading, and the updated permission, namely the modified permission, is plaintext plus a check code.
And finally, selecting a variable length recording file, and writing four pieces of billing information of the file by using a write recording command, wherein each piece of billing information is of a TLV structure.
The calculation process of the check code MAC is described below. In this embodiment, the check code MAC is generated using all the elements (including the command header and the data field) in the command. The MAC is the last data element in the command data field, which is 4 bytes in length. The MAC calculation procedure is as follows:
the first step is as follows: the card writing terminal device issues a Get Challenge command to the payment card, adds 00000000 to the 4-byte random number returned from the payment card, and takes the result as an initial value.
The second step is that: the following data are connected together in order to form a data block: CLA, INS, P1, P2, Lc +4 and Data, wherein the last half byte of CLA must be 4, and the Data is the Data of the plaintext or ciphertext of the command Data.
The third step: the data block is divided into data blocks of 8 byte units, labeled D1, D2, D3, D4, etc., with the last data block possibly being 1-8 bytes.
The fourth step: if the last data block is 8 bytes long, then it is followed by a 16 digit 8000000000000000 and the process goes to the fifth step. If the length of the last data block is less than 8 bytes, adding a 16-system number 80, and if the length of the last data block reaches 8 bytes, turning to the fifth step; otherwise, a 16-ary digit 0 is added thereafter until the length reaches 8 bytes.
The fifth step: and encrypting the data block obtained in the fourth step by using a corresponding key. And when the 3DES operation is carried out, a data block DN of 8 bytes is obtained, then the DES decryption is carried out on the first half part without 16 bytes, then the DED encryption is carried out on the second half part with the 16 byte key, then the DES decryption is carried out on the first half part with the 16 byte key, and finally the decrypted data block DN of 8 bytes is obtained.
And a sixth step: the first 4 bytes in the final result are the calculated MAC values.
Through the above steps, the billing information is written in the memory 12 of the payment card, when a value-added tax invoice needs to be invoiced, the billing terminal 21 on the billing system 20 reads the billing information stored in the payment card 10 using the payment card reader 22, and identifies what the content of each piece of billing information is according to the label of the piece of card information, for example, identifies that the first piece of billing information content is the company name of the payment card holder. After the content of each piece of invoicing information is identified, the content of each piece of invoicing information is correspondingly filled in the corresponding invoicing information column of the invoice, so that the automatic filling of the invoicing information is completed.
The billing method of the present embodiment will be described with reference to fig. 2. First, step S11 is executed to determine whether the payer has completed payment operation using the payment card, for example, whether the POS receives a receipt from the bank, indicating that the payment is successful. If the payment is successful, step S12 is performed to acquire the amount of payment and fill the acquired amount in the amount field of the invoice, and step S13 is performed to read information of the payment card, which includes the card number of the payment card, the name of the holder of the payment card, or the company name, etc.
Next, step S14 is performed in which the payment card reader reads the value-added tax billing information stored in the memory of the payment card, and step S15 is performed in which the content of each piece of value-added tax billing information is recognized and automatically filled in the corresponding billing information field.
Then, step S16 is executed to determine whether the invoice is confirmed, if yes, step S17 is executed to print the value-added tax invoice, otherwise, the process is ended.
Therefore, the billing system can automatically acquire the value-added tax billing information stored on the payment card by reading the information on the payment card, can identify the specific content of each piece of billing information according to the label of each piece of billing information, and automatically fills the specific content into the corresponding billing information column, thereby avoiding the condition that merchants manually fill in the content of the value-added tax billing information, improving the efficiency of billing the value-added tax information, and avoiding the problem of information filling errors caused by manually filling in the information.
Second embodiment:
referring to fig. 3, the payment card of the present embodiment has a card body 30 on the surface of which a two-dimensional code 31 is printed, and in the present embodiment, billing information of a person holding the payment card is converted into a two-dimensional code and printed on the surface of the card body 30. Therefore, as shown in fig. 4, the billing terminal 41 of the billing system 40 needs to be provided with the two-dimensional code scanner 42 to scan and acquire information of the two-dimensional code 31. Preferably, the information represented by the two-dimensional code 31 includes information such as the name of the payment card holder, the taxpayer identification number, the telephone number and address, the bank of deposit, and the account number, and the information generates the two-dimensional code 31 according to the technical rules of the ISO18004 standard.
Referring to fig. 5, when the two-dimensional code information on the payment card of the present embodiment is applied to issue the value-added tax invoice, first, step S21 is executed to determine whether the payer uses the payment card to complete the payment operation, for example, whether the POS machine receives the receipt of the bank, which indicates that the payment is successful. If the payment is successful, step S22 is performed to obtain the amount of the payment, and step S23 is performed to read the information of the payment card, which includes the card number of the payment card, the name of the holder of the payment card, or the company name.
Next, step S24 is performed to acquire information of the two-dimensional code on the payment card using the two-dimensional code scanner, and step S25 is performed to recognize the scanned two-dimensional code, for example, convert the two-dimensional code pattern into ASCII code, and acquire billing information including the company name of the payment card holder, taxpayer identification number, phone number and address, issuer, account number, and the like, from the recognized ASCII code according to a preset storage rule.
Then, step S26 is executed to automatically fill the content of the identified value-added tax billing information into the corresponding billing information column. Finally, step S27 is executed to determine whether the invoice is confirmed, if yes, step S28 is executed to print the value-added tax invoice, otherwise, the process is ended.
Therefore, the value-added tax invoice information is printed on the surface of the payment card in a two-dimensional code mode, and due to the fact that the printing cost of the two-dimensional code is low, and the scanning and the identification of the two-dimensional code are also very common devices, the value-added tax invoice issuing efficiency is improved under the condition that the production cost is hardly increased.
Of course, the above-mentioned embodiments are only preferred embodiments of the present invention, and the practical application may also have more changes, for example, the specific content of the billing information is changed, the storage sequence of the plurality of pieces of billing information is changed, and these changes do not affect the implementation of the present invention, and should also be included in the protection scope of the present invention.
Claims (7)
1. A payment card, comprising:
the payment card comprises a card body, wherein an encryption chip is arranged in the card body, payment information is stored in the encryption chip, and the encryption chip is electrically connected with a communication module;
the method is characterized in that:
the card body is also provided with a value-added tax information storage module, the value-added tax information storage module is arranged in the encryption chip and is internally provided with a memory, an independent application program is arranged on an operation system of the encryption chip, a variable length record file is established in the application program, and the record file is a storage file of billing information;
the value-added tax information storage module stores value-added tax invoice billing information of the payment card holder, wherein the billing information comprises the name of the payment card holder, the taxpayer identification number, the address of the payment card holder, the telephone number, the bank of deposit and account information;
the billing information comprises a plurality of pieces of billing information, and each piece of billing information comprises information of a label and a billing information value.
2. The payment card of claim 1, wherein:
the value-added tax information storage module is arranged in the encryption chip and is internally provided with a memory, and the memory stores an invoicing file which comprises the invoicing information;
the billing information comprises first billing information, second billing information, third billing information and fourth billing information, the first billing information comprises the name information of the payment cardholder, the second billing information comprises the identification number information of the taxpayer, the third billing information comprises the address and the telephone number information of the payment cardholder, and the fourth billing information comprises the information of the bank and the account number of the account;
the billing information value is stored in the form of an ASCII code.
3. The payment card of claim 2, wherein:
when the billing information is written into the payment card, selecting a main security domain of the payment card, acquiring the authority of installing an application program, and assigning an initial authentication key;
sending a random number to the payment card, carrying out encryption calculation on the random number by using the authentication key to obtain ciphertext data, and obtaining the authority of establishing the file system application under an application instance and establishing the file system application by using an external authentication command and the ciphertext data;
writing an application master control key and an application maintenance key of the file system application; and establishing a variable length recording file under the application of a file system, selecting the variable length recording file, and writing a plurality of pieces of billing information.
4. An invoicing system comprising
The billing terminal is provided with a payment card reader, and the payment card reader is used for reading information of a payment card;
the method is characterized in that:
the payment card reader is further for reading value-added tax invoicing information on a payment card according to any one of claims 1 to 3;
and after the billing terminal acquires the value-added tax billing information, automatically filling the name of the payment card holder, the taxpayer identification number, the address and the telephone number of the payment card holder, the bank of deposit and the account number information in the value-added tax billing information into a corresponding billing information column.
5. An invoicing system according to claim 4, characterized in that:
the payment card reader is used for reading a plurality of pieces of invoicing information stored in an encryption chip of the payment card, the category of the invoicing information is identified according to the label of each piece of invoicing information, and the invoicing terminal writes each piece of invoicing information into a corresponding invoicing information column according to the identified category of the invoicing information.
6. The billing method comprises the following steps:
a payment card reader of the invoicing terminal reads information of the payment card;
the method is characterized in that:
the payment card reader reading value-added tax invoicing information on the payment card of any one of claims 1 to 3;
and after the billing terminal acquires the value-added tax billing information, automatically filling the name of the payment card holder, the taxpayer identification number, the address and the telephone number of the payment card holder, the bank of deposit and the account number information in the value-added tax billing information into a corresponding billing information column.
7. The billing method of claim 6, comprising:
the method for reading the value-added tax invoicing information on the payment card by the payment card reader comprises the following steps: reading a plurality of pieces of billing information stored in an encryption chip of the payment card, identifying the category of the billing information according to the label of each piece of billing information, and writing each piece of billing information into a corresponding billing information column by the billing terminal according to the identified category of the billing information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711459159.XA CN108197690B (en) | 2017-12-28 | 2017-12-28 | Payment card, billing system and billing method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711459159.XA CN108197690B (en) | 2017-12-28 | 2017-12-28 | Payment card, billing system and billing method |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108197690A CN108197690A (en) | 2018-06-22 |
| CN108197690B true CN108197690B (en) | 2021-07-13 |
Family
ID=62585207
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711459159.XA Active CN108197690B (en) | 2017-12-28 | 2017-12-28 | Payment card, billing system and billing method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108197690B (en) |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108960365A (en) * | 2018-06-28 | 2018-12-07 | 睿思易（成都）科技有限责任公司 | A kind of data integration method and system based on two dimensional code |
| TWI851966B (en) * | 2022-02-18 | 2024-08-11 | 兆豐國際商業銀行股份有限公司 | Credit card information importing system |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105046539A (en) * | 2015-08-28 | 2015-11-11 | 胡金钱 | Electronic invoice generation method and system |
| CN105185005A (en) * | 2015-06-25 | 2015-12-23 | 税友软件集团股份有限公司 | Invoice generating method and invoice generating equipment |
| CN107292368A (en) * | 2016-08-23 | 2017-10-24 | 西安艾润物联网技术服务有限责任公司 | Two-dimensional code generation method and device |
| CN107302437A (en) * | 2017-07-31 | 2017-10-27 | 飞天诚信科技股份有限公司 | The personalization method and personalization device of a kind of off line authentication data |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| DE10140712A1 (en) * | 2001-08-24 | 2003-03-06 | Brands & Products Intellectual | Distribution, billing and payment for digital media content, such as audio or video digital data in a manner that ensures payment is assured and reliable |
| US7827077B2 (en) * | 2003-05-02 | 2010-11-02 | Visa U.S.A. Inc. | Method and apparatus for management of electronic receipts on portable devices |
| WO2013038417A1 (en) * | 2011-09-14 | 2013-03-21 | Infosys Limited | A method and system for securing data on a financial transaction instrument |
| CN103761118B (en) * | 2013-12-27 | 2018-05-04 | 北京大唐智能卡技术有限公司 | A kind of smart card and the method for smartcard internal administration application |
| CN105894426A (en) * | 2016-03-30 | 2016-08-24 | 广州星海数字电视金卡有限公司 | Resident information sharing, storing, and managing system based on CPU chip card |
-
2017
- 2017-12-28 CN CN201711459159.XA patent/CN108197690B/en active Active
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105185005A (en) * | 2015-06-25 | 2015-12-23 | 税友软件集团股份有限公司 | Invoice generating method and invoice generating equipment |
| CN105046539A (en) * | 2015-08-28 | 2015-11-11 | 胡金钱 | Electronic invoice generation method and system |
| CN107292368A (en) * | 2016-08-23 | 2017-10-24 | 西安艾润物联网技术服务有限责任公司 | Two-dimensional code generation method and device |
| CN107302437A (en) * | 2017-07-31 | 2017-10-27 | 飞天诚信科技股份有限公司 | The personalization method and personalization device of a kind of off line authentication data |
Also Published As
| Publication number | Publication date |
|---|---|
| CN108197690A (en) | 2018-06-22 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20220156730A1 (en) | Primary account number (pan) length issuer identifier in payment account number data field of a transaction authorization request message | |
| EP2599038B1 (en) | Programmable card | |
| US20130191283A1 (en) | Authentication of a Data Card Using a Transit Verification Value | |
| US20080203170A1 (en) | Fraud prevention for transit fare collection | |
| US20160260097A1 (en) | Assignment of transactions to sub-accounts in payment account system | |
| US11935023B2 (en) | Extended-length payment account issuer identification numbers | |
| US20170178121A1 (en) | System and method for providing instructions to a payment device | |
| CN107318103B (en) | Machine switching prevention method and system based on Internet of things SIM card | |
| CN108197690B (en) | Payment card, billing system and billing method | |
| US9760881B2 (en) | Portable e-pay system and method | |
| US20170178111A1 (en) | System and method for using multiple balances with a single payment device | |
| KR100297245B1 (en) | Automatic machine and method for receiving public fee in automatic machine | |
| US20040054595A1 (en) | Electronic payment system for public transportation | |
| KR100845605B1 (en) | Service object authentication and payment system using RFID and authentication and payment method | |
| KR20060063026A (en) | Method and system of value transfer between prepaid value means by simultaneous processing of payment and charging | |
| CN103903336A (en) | Card-swiping payment method, card-swiping payment system, merchant client side and payment server | |
| CN104134299B (en) | Portable electronic charging system and method | |
| KR100990388B1 (en) | How to use a mixed card | |
| JP2005258885A (en) | Ic card settlement system, and ic card settlement method | |
| KR100976972B1 (en) | Reading method using smart card | |
| KR100990383B1 (en) | Card operating system | |
| KR20080065229A (en) | IC card unblocking system and IC card unblocking function inquiry terminal and IC card unblocking function issuing authority server |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |