CN109146461A - The method for managing security of secured business advanced charge card based on unique ID - Google Patents
The method for managing security of secured business advanced charge card based on unique ID Download PDFInfo
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- CN109146461A CN109146461A CN201810930420.8A CN201810930420A CN109146461A CN 109146461 A CN109146461 A CN 109146461A CN 201810930420 A CN201810930420 A CN 201810930420A CN 109146461 A CN109146461 A CN 109146461A
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- charge card
- advanced charge
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- 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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- 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
- G06Q20/3278—RFID or NFC payments by means of M-devices
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Abstract
The invention discloses the method for managing security of the secured business advanced charge card based on unique ID, comprising the following steps: 1), trade company and financial institution's joint float be equipped with the advanced charge card of unique ID；The database server of financial institution is connected by the identification device of the advanced charge card；2), financial institution's periodical evaluation trade company credit rating determines the prepayment ratio of the trade company；3), financial institution pays trade company in prepayment ratio from the sales money of the advanced charge card in advance, and left fund is used as to draft；4), client and trade company carry out on-line transaction operation by the identification device of the advanced charge card, and send the database server for on-line transaction information；5), financial institution is by cashing to draft to trade company.The method of the present invention can increase business advance fund funding safety；Increase financial institution by the savings source of low cost, businessman realizes locking client in advance and the credit grade for being lifted at financial institution, consumer can trust the commodity for buying more inexpensive higher value.
Description
Technical field
The invention belongs to business advance payment safety management technology fields, more particularly to the business of the secured based on unique ID is pre-
The method for managing security of debit card.
Background technique
The trade company of many industries issues advanced charge card, such as hair salon, beauty parlor, drinking water supply quotient, hotel etc., visitor
Advance payment is directly entered merchant account after family purchase advanced charge card, and client can be given a discount or preferential using advance payment, this is one
Kind enables trade company to obtain circulating fund in advance and determine client in advance and client then passes through pre-payment and obtains cheaper product
And the method for service.
The market of China's advanced charge card is very huge at present and there are also very big upside potentials, but there is also such as quotient
The defects of family credit, which can not enough issue more advanced charge cards, trade company closes down causes the advanced charge card of client that can not fulfil.Simultaneously
With the increase of people's investment channel, the deposit for flowing to financial institution is fewer and fewer, and the deposit that financial institution absorbs resident is more next
It is more difficult.If the fund that advanced charge card generates can be directly stored in financial institution, then the more a kind of costs of financial institution's meeting are cheap
Savings source, client also can be safer uses advanced charge card.
Summary of the invention
The safety management of the technical problem to be solved in the present invention is to provide a kind of secured business advance payment based on RFID
Method, in this way, the advance fund funding safety in campaign processes can be greatly increased；Make financial institution be able to achieve increase at
This cheap savings source, businessman realizes locking client in advance and the credit grade for being lifted at financial institution, consumer can trust
Buy the commodity of more inexpensive higher value.
To solve the above-mentioned problems, the scheme of the invention is:
The method for managing security of secured business advanced charge card based on unique ID, comprising the following steps:
1), trade company and financial institution's joint float are equipped with the advanced charge card of unique encodings；The identification of the advanced charge card fills
The database server for setting connection financial institution, in the database server of financial institution, the data of corresponding every advanced charge card
Record includes that unique encodings, trade company, the accounts of consumption of trade company, account balance, discount factor and the consumption of the advanced charge card are bright
Carefully；
2), financial institution assesses trade company's credit rating using its existing credit and methods of risk assessment, according to trade company's credit
It spends and determines that the advance payment of the trade company shifts to an earlier date use ratio；
3), for advanced charge card described in financial institution's organizations sales to client, sales money is first stored in the account of financial institution, finance
The use ratio in advance for each trade company that step 2) determines is pressed again by mechanism, and sales money is paid to the advanced charge card in advance respectively and corresponds to quotient
Family, remaining sales money is as corresponding trade company to draft；
4), client is consumed using the advanced charge card, and trade company is joined using the identification device of the advanced charge card
Machine transactional operation, and send on-line transaction information to the database server of the financial institution, the on-line transaction information
It include: the consumption of the unique encodings of the advanced charge card, the identification device ID of the advanced charge card, name of firm, corresponding trade company
Account, consumption time, product name, commodity amount, unit price and spending amount；
5), financial institution corresponds to cash after calculating discount according to the spending amount of the on-line transaction information received,
From corresponding trade company described in step 3) after in draft by this discount after correspond to cash it is corresponding to draft cash to
The trade company, and update the data record that the advanced charge card is corresponded in the database server of financial institution.
6), when trade company breaks a contract, financial institution is according to the consumption account's for corresponding to the trade company in the advanced charge card
Remaining sum provides reparation to client.
The advanced charge card is the card for having RFID tag or NFC label, and the unique encodings of the advanced charge card are tag recognition
Number TID, unique ID of the unique encodings as the advanced charge card, the identification device of the advanced charge card be RFID reader or
NFC reader.
The advanced charge card is virtual card, generates two dimensional code or item by the unique encodings and Client handset number of the virtual card
Unique ID of the code as the advanced charge card, the identification device of the advanced charge card are that corresponding two dimensional code or bar code scan fill
It sets.
The advanced charge card is virtual card, generates the advance payment by the unique encodings and client's biological characteristic of the virtual card
Unique ID of card, the identification device of the advanced charge card are the biometric devices of people.
Further include more card associated steps, the client send respectively want unique ID of multiple associated advanced charge cards with
And associated instructions are to the database server of the financial institution, the database server of the financial institution is described to be associated with
Multiple advanced charge cards be arranged incidence relation, when client is consumed using an advanced charge card, can use simultaneously with
The relevant other advanced charge cards of the advanced charge card.
Further including financial institution is periodically reappraised pair according to the consumer record of the advanced charge card by the method for step 2)
The credit rating for answering trade company, the advance payment for adjusting the trade company shift to an earlier date use ratio.
The step 5) be the on-line transaction information consumed according to client using the advanced charge card of financial institution with
Corresponding trade company carries out term settlement, is cashed to draft to corresponding trade company according to the spending amount of term settlement corresponding.
The advanced charge card corresponds to multiple trade companies, and each trade company is corresponding with an accounts of consumption.
It further include the recharge method of the advanced charge card, the identification device of the advanced charge card passes through the advanced charge card
Identification information, trade company, recharge amount be sent to the database server of the financial institution, the recharge amount presses step 3)
Sales money management method to step 6) is managed.
The invention has the following advantages that
The method of the present invention considerably increases the advance fund funding safety in campaign processes；It is financial by the method for the invention
Mechanism, which is able to achieve, increases the cheap savings source of cost, and the consumption information by grasping advances from customers card grasps the revenue and expenditure of client
Situation continues to provide value-added service to assess customers' credit situation for client；Businessman then realizes the letter for increasing advanced charge card
Expenditure locks client, again because the promotion of advanced charge card credit rating can issue more advanced charge cards in advance；Client can buy
The sufficiently high advanced charge card of credit rating and do not have to worry that product or service caused by due to businessman can not be fulfilled, trade company is separated
There are about the reparations of third party financial institution to be supplied to client.
Specific embodiment
Detailed description of the preferred embodiments with reference to embodiments, but do not constitute to the present invention claims
The limitation of protection scope.
Term of the invention is defined as follows:
Trade company: refer to and participate in distribution advanced charge card and provide the enterprise or shops of product or service according to advanced charge card, such as drink
With water supplier, beauty parlor.
Client: refer to purchase advanced charge card, and require trade company to provide the consumer of product or service using advanced charge card.
RFID electronic label: radio frequency identification, RFID (Radio Frequency Identification) technology, also known as without
Line radio frequency identification is a kind of communication technology, can identify specific objective by radio signals and read and write related data, without knowing
It is other that foundation is mechanical between system and specific objective or optics connects.
An area in TID (tag identification number): RFID Tag memory (tag memory), is usually deposited by RFID producer
Enter a globally unique coding, read-only to modify, TID described in the present invention, the TID field in addition to referring to RFID can also prolong
It stretches to write into the unique encodings of chip by certain Encryption Algorithm
NFC label: NFC is Near Field Communication abbreviation, i.e. near field communication (NFC), be
Grow up in the standard of RFID, the frequency range for being based primarily upon 13.56MHz works, it is believed that be one of RFID standard
Subset.
Treatment for Default mechanism: when trade company can not provide service or product to client, be responsible for the advance payment of client into
The mechanism of row reparation, can be financial institution or insurance company.
Cash is corresponded to after discount: the commodity bought using advanced charge card are by the gold after the discount factor discounting of the advanced charge card
Volume.
Embodiment 1:
The method for managing security of secured business advanced charge card based on unique ID, comprising the following steps:
1, drinking water supply quotient, fitness center and a kind of unique ID advanced charge card of three joint floats of financial institution, this is pre-
Unique ID of debit card corresponds to the drinking water supply quotient of joint float, fitness center Liang Ge trade company, and each trade company sets up 1 consumption
Account, each account, which prestores, specified sells the amount of money.
Unique ID advanced charge card is one of following diversified forms:
Unique ID advanced charge card is the entity card for carrying RFID tag above, and unique ID is tag identification number
TID.The identification device of the corresponding advanced charge card is RFID reader.
Unique ID advanced charge card can also carry the entity card of NFC label, two dimensional code or bar code above, described unique
It is NFC identifier NFC ID, two dimensional code or bar code that ID, which is corresponded, and the identification device of the corresponding advanced charge card is NFC read-write
Device, two dimensional code or bar code scanner.
Unique ID advanced charge card is virtual card, and every virtual card has a unique encodings, by the unique of the virtual card
Coding and Client handset number generate the unique ID of two dimensional code or bar code as the advanced charge card, the identification of the advanced charge card
Device is corresponding two dimensional code or bar code scanner.Unique ID generating process: client installs financial institution's designated program
For example bank app or wechat public platform, client buy the virtual card, and requirement and the designated program from financial institution official website
Binding, the designated program require client to input binding information, virtual card unique encodings, the mobile phone which inputs client
Number, consumption password generate the sig ID being uniquely made of character, then require client's typing safety verification code, while financial machine
Structure database server generates safety verification code to the phone number, and the safety verification code typing received, this specifies journey to client
Sequence is proved to be successful, and financial institutions databases server records above-mentioned virtual card unique encodings, phone number, consumption password, label
Name ID, and sig ID is set as unique ID of the virtual card, two dimensional code or bar code is made and is used for client.
Unique ID advanced charge card is virtual card, and every virtual card has a unique encodings, by the unique of the virtual card
Coding and client's biological characteristic generate unique ID of the advanced charge card, and the identification device of the advanced charge card is that the biology of people is special
Levy identification device.The biological characteristic of the people is face or fingerprint, and the identification device of corresponding advanced charge card is face recognition or refers to
Line identification device.Financial institutions databases server records the unique ID and client's biological characteristic of the virtual card.
The database server of the identification device connection financial institution of the advanced charge card, the database service of financial institution
In device, the data record of corresponding every advanced charge card includes that the unique ID, drinking water supply quotient, drinking water of the advanced charge card are supplied
Answer accounts of consumption, corresponding account balance, drinking water discount factor and the consumption details of quotient；Fitness center trade company, fitness center
The accounts of consumption of trade company, corresponding account balance, fitness center discount factor and consumption details.
2, financial institution uses its existing credit and methods of risk assessment periodical evaluation trade company credit rating, according to credit rating
Determine that advance payment shifts to an earlier date use ratio, prepayment proportional region is set as 0%~100%.If drinking water supply quotient's credit rating is higher, in advance
It is 40% that payment, which shifts to an earlier date use ratio,；Fitness center credit rating is lower, and it is 10% that advance payment, which shifts to an earlier date use ratio,.
Financial institution periodically reappraises the credit rating of corresponding trade company according to the consumer record of the advanced charge card, and adjustment should
The advance payment of trade company shifts to an earlier date use ratio.
3, financial institution establishes advanced charge card Sales Channel, and by Sales Channel sell unique ID advanced charge card to
Client.Sales Channel can be other officials pin of the entity StoreFront of financial institution, the official website of financial institution or financial institution
Platform is sold, can also cooperate with telecom operators (such as China Telecom, China Mobile), sell support in telecom operators
NFC advanced charge card is sold when the mobile phone of NFC.
Sales payment is directly stored in the account of financial institution, and the advance payment that financial institution determines according still further to step 2 makes in advance
Drinking water supply quotient and fitness center are paid in advance respectively sales money with ratio, and remaining amount of money is respectively as corresponding trade company wait prop up
Withdrawal item.For example, the drinking water that this Zhang Weiyi ID advanced charge card contains drinking water supply quotient sells 100 yuan of volume and fitness center
Body-building service sells 200 yuan of volume, then prepays 40 yuan respectively from 300 yuan of sales money to drinking water supply quotient, 20 yuan of prepayment to strong
Body center.Drinking water sells 100 yuan of volume, 60 yuan of residue as drinking water supply quotient to draft, and volume is sold in body-building service
200 yuan 180 yuan of residue as fitness center to draft.
4, it after client buys the advanced charge card, can be identified by the identification device of the advanced charge card, it is such as logical
The two dimensional code that two-dimensional code scanning device scans the advanced charge card is crossed, the database server of financial institution is connected to, from finance
The database server of mechanism is discovered and seized more than the distribution financial institution, trade company, trade company's accounts of consumption nominal value cash of the advanced charge card
Volume, Treatment for Default mechanism, the detailed consumer behavior of client etc., and the advanced charge card can be supplemented with money.
5, client arrives by phone, internet, mobile Internet or directly trade company scene, is disappeared using the advanced charge card
Take；
6, merchant personnel identify the advanced charge card using the identification device of the advanced charge card:
When the advanced charge card is entity card, institute is read such as the POS machine that financial institution provides using RFID reader
The RFID tag of advanced charge card is stated, on-line transaction operation is carried out；
When the advanced charge card is virtual card, unique ID is generated by the unique encodings and Client handset number of the virtual card
When two dimensional code or bar code generate, trade company uses two dimensional code or bar code acquisition device, such as the POS machine that financial institution provides, reads institute
Unique ID of advanced charge card is stated, on-line transaction operation, verification process are carried out are as follows: it is specified that client opens financial institution when consuming clearing
Program selects the virtual card request of corresponding trade company to generate payment code from the program, and financial institutions databases server receives visitor
Whether the request at family and the corresponding phone number of unique ID, virtual card unique encodings, consumption password of verifying the virtual card etc.
Really, it really then generates provisional payment code and is sent to the designated program, businessman scans payment using the POS machine that financial institution provides
Code, client's typing in the program consume password, withhold after financial institutions databases server authentication consumption password is correct.
When the advanced charge card is the virtual card for generating unique ID by the unique encodings and client's face feature of the virtual card
When, trade company is acquired client's face feature and face feature is converted into character string using face feature acquisition device is sent to finance
Organization data library server carries out on-line transaction operation, the face feature word that financial institutions databases server authentication receives
Whether symbol string has the advanced charge card of corresponding trade company, has, is withholdd according to on-line transaction information.
When the advanced charge card is the virtual card for generating unique ID by the unique encodings and client's fingerprint characteristic of the virtual card
When, trade company is acquired client's fingerprint characteristic and fingerprint characteristic is converted into character string using fingerprint characteristic acquisition device is sent to finance
Organization data library server carries out on-line transaction operation, the fingerprint characteristic word that financial institutions databases server authentication receives
Whether symbol string has the advanced charge card of corresponding trade company, has, is withholdd according to on-line transaction information.
The on-line transaction information includes: the unique ID, POS machine ID, name of firm, corresponding trade company of the advanced charge card
Accounts of consumption, consumption time, product name, commodity amount, unit price and spending amount.
7, the on-line transaction information that financial institution receives according to financial institutions databases server is determined according to step 2
Advance payment shifts to an earlier date use ratio, is cashed to trade company to draft by this spending amount is corresponding, and update financial institution
The data record of the advanced charge card is corresponded in database server.If this spending amount for buying drinking water supply quotient is 30
Member, the advance payment in the advance payment of step 2 containing this spending amount shift to an earlier date 12 yuan of use ratio, and financial institution pays in advance
Drinking water supply quotient, it is remaining to cash drinking water supply quotient after client trading clearing for 18 yuan of financial institutions after draft.
If including the amount of money that trade company gives a discount or gives in consumption remaining sum, financial institution is described online according to what is received
The spending amount of Transaction Information and the corresponding discount factor of the advanced charge card correspond to cash after calculating discount, from step 2 institute
State corresponding trade company after in draft by this discount after correspond to corresponding cash to draft of cash and give the trade company, and more
The data record of the advanced charge card is corresponded in the database server of new financial institution.For example, client's first is purchased using advanced charge card
Buy the present embodiment drinking water supply quotient 50 yuan of drinking water, the corresponding discount factor of the advanced charge card are 0.8, then financial institution
It is 40 yuan that database server, which obtains according to discount factor meter and corresponds to cash after discount, corresponded to after this discount 40 yuan of cash it is corresponding
It is 24 yuan to draft, financial institution cashes this pen to drinking water supply quotient to 24 yuan of draft.
The clearing of financial institution and trade company are also possible to term settlement, and financial institution records client and uses the advanced charge card
The on-line transaction information consumed carries out term settlement with corresponding trade company again after periodically accumulative, according to the consumption of term settlement
The amount of money is cashed to draft to corresponding trade company corresponding.
8, when client has found that trade company can not fulfil product or service, for example businessman closes down, and client takes corresponding pre-
Payment card request Treatment for Default mechanism is compensated, and Treatment for Default mechanism is according to corresponding to the promise breaking trade company in the advanced charge card
It consumes account balance and provides reparation to client；Every trade promotion activity that trade company carries out, as described in generating and give value deposit
Uniquely the corresponding trade company of ID advanced charge card consumes account, and the value of giving is only limitted to consumption use, shifts to an earlier date not as advance payment
Using money, to the basis of draft and claim for breaking an agreement.
9, same client can be associated multiple advanced charge cards, steps are as follows in order to easy to carry:
9.1, financial institutions databases server provides advanced charge card correlation function module, and client can pass through wechat, silver
The modes such as row APP or short message connect the advanced charge card correlation function module；
9.2, the unique ID and associated instructions that want associated all advanced charge cards are sent to financial institution data by client
Library server；
9.3, financial institutions databases server in the database one by one search described in want associated advanced charge card, it is pre- at this
Unique ID of associate field typing and the associated other advanced charge cards of the advanced charge card in the data record of debit card.
9.4, it when client is consumed using an advanced charge card, can be used and the related advance payment of this advanced charge card
Card, financial institutions databases server may withhold according to unique ID in associate field from associated advanced charge card.
Multiple described unique ID advanced charge cards are associated, multiple can be used by facilitating client only to pass through an advanced charge card
Advanced charge card.
Client can supplement with money for the advanced charge card, and client is by the identification device of the advanced charge card described pre-
The identification information of debit card, trade company, recharge amount are sent to the database server of the financial institution, the recharge amount
The sales money of processing method and application method with the advanced charge card.
Financial institution is by credit investigation system, bank payment settlement credit record, external agency's credit record and refers to trade company
Advanced charge card consumer record risk assessment is carried out to the credit of trade company, be that trade company offers a loan volume according to the result of risk assessment
Degree.
Financial institution is by credit investigation system, bank payment settlement credit record, external agency's credit record and refers to client
Advanced charge card consumer record risk assessment is carried out to the credit of client, be that client offers a loan volume according to the result of risk assessment
Degree.
Embodiment 2:
1, beauty parlor and money pool issue a kind of unique ID advanced charge card, and every unique ID advanced charge card corresponds to beauty parlor
1 accounts of consumption, accounts of consumption prestores the specified amount of money of selling, and one and advanced charge card are printed on advanced charge card surface only
The corresponding two dimensional code of one ID, two dimensional code include the globally unique coding being made of letter and number；Two dimensional code acquisition dress
Set the database server for being connected to the network financial institution respectively；In the database server of the financial institution, corresponding every only
The data record of one ID advanced charge card includes unique ID of the advanced charge card, corresponding two dimensional code, beauty parlor's title, beauty parlor
Accounts of consumption, corresponding account balance and consumption details.
2, financial institution is lower using the credit rating of its existing credit and methods of risk assessment assessment beauty parlor, prepays ratio
Example is 0%.It determines that the sales money of advanced charge card is all stored in the account of financial institution according to credit rating, does not pay beauty parlor in advance,
Only cashing again in client's real consumption gives trade company corresponding spending amount；
3, advanced charge card is sold in the store of its official website by financial institution, and sales money fully enters financial institution's account
Family；
4, after client buys advanced charge card, advanced charge card is directly scanned by the wechat public platform of financial institution using mobile phone
Two dimensional code on surface is connected to the database server of financial institution, and the distribution gold of the advanced charge card is discovered and seized from server
Melt mechanism, trade company, trade company's accounts of consumption nominal value closing balance, Treatment for Default mechanism, the detailed consumer behavior of client, and can choose
Advanced charge card is supplemented with money；
5, client carries out service reservation to beauty parlor by mobile Internet, reaches beauty parlor and is consumed；
6, beauty parlor attendant reads the two dimensional code of the advanced charge card using the POS machine that financial institution provides, and carries out
On-line transaction operates, and on-line transaction information is sent to the database server of financial institution.The on-line transaction packet
It includes: the two dimensional code of unique ID advanced charge card, POS machine ID, name of firm, accounts of consumption, the consumption time, trade name for corresponding to trade company
Title, commodity amount, unit price and spending amount.
7, on-line transaction information update unique ID advanced charge card that financial institutions databases server is passed back according to POS machine
Data record, and generated spending amount is transferred accounts to the financial institution account of the beauty parlor；
8, when beauty parlor closes down, client takes the advanced charge card that financial institution is required to compensate, financial institution's root
Reparation is provided to client according to the consumption account balance of the advanced charge card.
Claims (9)
1. the method for managing security of the secured business advanced charge card based on unique ID, it is characterised in that: the following steps are included:
1), trade company and financial institution's joint float are equipped with the advanced charge card of unique encodings；The identification device of the advanced charge card connects
Connect the database server of financial institution, in the database server of financial institution, the data record of corresponding every advanced charge card
Accounts of consumption, account balance, discount factor and the consumption details of unique encodings, trade company, trade company including the advanced charge card；
2), financial institution assesses trade company's credit rating using its existing credit and methods of risk assessment, true according to trade company's credit rating
The advance payment of the fixed trade company shifts to an earlier date use ratio；
3), advanced charge card described in financial institution's organizations sales is first stored in the account of financial institution, financial institution to client, sales money
Sales money, is paid the advanced charge card in advance respectively and corresponds to trade company by the use ratio in advance of each trade company determined again by step 2),
Remaining sales money is as corresponding trade company to draft；
4), client is consumed using the advanced charge card, and trade company carries out online friendship using the identification device of the advanced charge card
It is easy to operate, and send on-line transaction information to the database server of the financial institution, the on-line transaction information includes:
The unique encodings of the advanced charge card, the identification device ID of the advanced charge card, name of firm, corresponding trade company accounts of consumption,
Consumption time, product name, commodity amount, unit price and spending amount；
5), financial institution corresponds to cash after calculating discount according to the spending amount of the on-line transaction information received, from step
Rapid 3) the described corresponding trade company after in draft by this discount after correspond to corresponding cash to draft of cash and give the quotient
Family, and update the data record that the advanced charge card is corresponded in the database server of financial institution；
6), when trade company breaks a contract, financial institution is according to the remaining sum for consuming account for corresponding to the trade company in the advanced charge card
Reparation is provided to client.
2. the method for managing security of the secured business advanced charge card based on unique ID, feature exist as described in claim 1
In: the advanced charge card is the card for having RFID tag or NFC label, and the unique encodings of the advanced charge card are tag identification number TID,
Unique ID of the unique encodings as the advanced charge card, the identification device of the advanced charge card are that RFID reader or NFC are read
Write device.
3. the method for managing security of the secured business advanced charge card based on unique ID, feature exist as described in claim 1
In: the advanced charge card is virtual card, generates two dimensional code by the unique encodings and Client handset number of the virtual card or bar code is made
For unique ID of the advanced charge card, the identification device of the advanced charge card is corresponding two dimensional code or bar code scanner.
4. the method for managing security of the secured Business Prepaid Cards money based on unique ID, feature exist as described in claim 1
In: the advanced charge card is virtual card, generates the advanced charge card by the unique encodings and client's biological characteristic of the virtual card
Unique ID, the identification device of the advanced charge card are the biometric devices of people.
5. the method for managing security of the secured business advanced charge card based on unique ID as described in one of claim 2 to 4,
It is characterized in that: further including more card associated steps, the client sends the unique ID for wanting multiple associated advanced charge cards respectively
And associated instructions are to the database server of the financial institution, the database server of the financial institution is described to close
Multiple advanced charge cards setting incidence relation of connection can use simultaneously when client is consumed using an advanced charge card
The other advanced charge cards relevant with the advanced charge card.
6. the method for managing security of the secured business advanced charge card based on unique ID, feature exist as described in claim 1
In: it further include that financial institution according to the consumer record of the advanced charge card periodically reappraises corresponding trade company by the method for step 2)
Credit rating, the advance payment for adjusting the trade company shifts to an earlier date use ratio.
7. the method for managing security of the secured business advanced charge card based on unique ID, feature exist as described in claim 1
In: the step 5) the on-line transaction information that be financial institution consumed according to client using the advanced charge card and corresponding quotient
Family carries out term settlement, is cashed to draft to corresponding trade company according to the spending amount of term settlement corresponding.
8. the method for managing security of the secured business advanced charge card based on unique ID, feature exist as described in claim 1
In: the advanced charge card corresponds to multiple trade companies, and each trade company is corresponding with an accounts of consumption.
9. the method for managing security of the secured business advanced charge card based on unique ID, feature exist as described in claim 1
In: it further include the recharge method of the advanced charge card, the identification device of the advanced charge card passes through the knowledge the advanced charge card
Other information, trade company, recharge amount are sent to the database server of the financial institution, and the recharge amount is by step 3) to walking
Rapid sales money management method 6) is managed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810930420.8A CN109146461A (en) | 2018-08-15 | 2018-08-15 | The method for managing security of secured business advanced charge card based on unique ID |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810930420.8A CN109146461A (en) | 2018-08-15 | 2018-08-15 | The method for managing security of secured business advanced charge card based on unique ID |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109146461A true CN109146461A (en) | 2019-01-04 |
Family
ID=64789711
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| CN201810930420.8A Pending CN109146461A (en) | 2018-08-15 | 2018-08-15 | The method for managing security of secured business advanced charge card based on unique ID |
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| CN112837084A (en) * | 2020-12-24 | 2021-05-25 | 四川新华万云科技有限公司 | Commodity transaction method, device and blockchain network node based on blockchain network |
| CN114418579A (en) * | 2020-10-12 | 2022-04-29 | 顺丰恒通支付有限公司 | Stored value card illegal use identification method, device, equipment and storage medium |
| US12125054B2 (en) | 2018-09-25 | 2024-10-22 | Valideck International Corporation | System, devices, and methods for acquiring and verifying online information |
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