CN103258387B - Method and system for swiping and loading card by bank card - Google Patents

Abstract

The invention relates to a method and a system for swiping and loading a card by a bank card. A POS (point-of-sale) terminal or a self-service terminal is used for sending purchase transaction to realize the function of deducting the amount of the bank card, and is used for sending cash loading transaction with the amount as same as that of purchase transaction to realize the function of loading an IC (integrated circuit) card. The POS terminal or the self-service terminal has the advantages of low cost, wide terminal placement range and convenience in use. The optional bank card can be used for loading the IC card and is wide in support range, and a user can complete card swiping and loading operations in a self-service manner, so that the pressure of a bank counter can be relieved, and manual labor can be decreased.

Description

A method and system for swiping and depositing by using a bank card

technical field

The invention relates to the field of financial data processing, in particular to a method and a system for using a bank card to swipe a card for deposit.

Background technique

With the development of social economy and the progress of the times, people have a more common and urgent demand for safe, convenient, standard and multi-purpose payment tools. The electronic cash card among the financial IC cards is accepted and used by more and more people because of its convenient use, good security and confidentiality, data processing capability, and long service life. In the current use of electronic cash cards, there is a common troublesome problem: it is difficult to load electronic cash IC cards.

At present, there are 4 ways of financial IC card electronic cash circulation, and all of them have certain limitations:

1. Cash loading through outlets: Cash loading is carried out at the bank counter or designated acceptance point; this method must be guarded by bank counter personnel, which increases the pressure on the bank counter and cannot reflect the fast and convenient use of electronic cash;

2. Designated account loading transaction: use the IC card designated account loading transaction, transfer funds from the bank card debit and credit account of the designated account to the electronic cash account; currently, there are only a few ATM terminals that support this method;

3. Non-designated account loading transaction: use the IC card cash loading transaction to transfer funds from the bank card to the IC card electronic cash account. This mode stipulates that the transfer card must support "non-designated account loading transaction" ;At present, the number of ATM terminals supporting this method is small, and the number of transfer-out banks that support this transaction is small;

4. Automatic loading: set the minimum amount when the IC card is initialized, and when the system of the issuing bank detects that the balance of the electronic cash account is lower than the minimum amount, it will automatically transfer funds from the debit account of the card to the electronic cash account; In this mode, the card issuing bank must support "automatic loading transaction", and the debit account of the bank card must have sufficient amount; currently, the number of card issuing banks that support this method is small;

Contents of the invention

In view of the above problems, the object of the present invention is to provide a method and system for using a bank card to swipe a credit transfer. This solution combines the "traditional consumption transaction + IC card cash transfer transaction" of the bank card. Swipe the bank card to transfer the specified amount to the specified IC card, which can better reflect the fast and convenient characteristics of IC card electronic cash.

The method for swiping credit card loading using a bank card of the present invention is used for loading an IC card through a bank card, and is characterized in that the method comprises the following steps in sequence:

(1) Use the POS terminal to forward the consumption transaction of the bank card through the acquiring subsystem and the inter-bank switching center to the consumption transaction forwarding step of the card issuing subsystem; or use the self-service terminal to sequentially pass the bank card consumption transaction through the third-party subsystem, the receiving Steps for forwarding consumer transactions from the single subsystem and inter-bank switching center to the card issuing subsystem;

(2) Return the consumption transaction results from the card issuing subsystem to the POS terminal through the inter-bank exchange center and the acquiring subsystem in sequence; or return the consumption transaction results from the card issuing subsystem to the inter-bank exchange center, the acquiring subsystem, The step of returning the consumption transaction result returned by the third-party subsystem to the self-service terminal;

(3) In the case of a successful bank card swiping consumption transaction, the POS terminal forwards the cash loading transaction to the cash loading transaction forwarding step of the card issuing subsystem sequentially through the acquiring subsystem and the inter-bank switching center; or in the bank card swiping consumption transaction If successful, the self-service terminal forwards the cash loading transaction to the cash loading transaction forwarding step of the card issuing subsystem through the third-party subsystem, the acquiring subsystem, and the inter-bank switching center in sequence;

(4) Returning the scripted cash transfer transaction results from the card issuing subsystem to the POS terminal via the inter-bank exchange center and the acquiring subsystem in turn; or returning the scripted cash transfer transaction results from the card issuing subsystem; The scripted cash loading transaction result is returned to the self-service terminal via the inter-bank exchange center, the acquiring subsystem, and the third-party subsystem in turn; the step of returning the scripted cash loading transaction result;

(5) Steps for sending the script to the IC card by the POS terminal or the self-service terminal;

(6) The IC card executes the script execution steps of the issued script;

(7) The IC card returns the result of executing the issued script to the POS terminal or self-service terminal;

(8) During the next online transaction or online correction or before batch settlement, the POS terminal forwards the script execution results to the forwarding step of the card issuing subsystem through the acquiring subsystem and the inter-bank switching center in turn; or during the next online transaction or During online correction or before batch settlement, the self-service terminal forwards the script execution results to the card issuing subsystem through the third-party subsystem, acquiring subsystem, and inter-bank switching center in sequence.

Preferably, the amount of the bank card swiping consumption transaction is the same as the amount of the cash loading transaction.

Preferably, in the script execution result feedback step, if the IC card successfully executes the delivered script, the POS terminal or the self-service terminal notifies the user that the transaction is successful.

Preferably, in the script execution result feedback step, the POS terminal or the self-service terminal prints and informs the cardholder of the response results of the consumption transaction and cash loading transaction.

The system for swiping credit card loading using bank cards of the present invention is used to load IC cards through bank cards, and is characterized in that the system includes: a POS terminal, a bill receiving subsystem, an inter-bank switching center, and a card issuing subsystem, or the The system includes: self-service terminal, third-party subsystem, acquiring subsystem, inter-bank switching center and card issuing subsystem,

The POS terminal or the self-service terminal is used to accept bank card swiping consumption and is used to load the IC card when it is judged that the card swiping consumption transaction is successful,

The third-party subsystem is connected between the self-service terminal and the acquiring subsystem, and is used to send a transaction request to the acquiring subsystem from the consumption transaction or cash transfer transaction sent from the self-service terminal, and returning the transaction response returned by the acquiring subsystem to the self-service terminal,

The acquiring subsystem is connected between the cross-bank switching center, the POS terminal, and the third-party subsystem, and is used to send the consumption transaction or cash loading transaction sent from the terminal to the cross-bank switching center request, and return the transaction response returned by the cross-bank switching center to the POS terminal and the third-party subsystem,

The cross-bank switching center is connected between the acquiring subsystem and the card issuing subsystem, and is used to forward the transaction request from the acquiring subsystem and the cash loading transaction to the card issuing subsystem, and send The transaction response returned by the card issuing subsystem is sent to the acquiring subsystem,

The card issuing subsystem is used for account settlement of bank card swiping consumption and cash loading transactions.

Preferably, the inter-bank switching center further includes an automatic fund clearing unit, which is used to transfer the funds of consumption transactions and cash transfer transactions to corresponding card issuers, acquirers, and third-party institutions.

Preferably, the POS terminal is connected to the acquiring subsystem through a network control access device.

The self-service terminal is connected to a third-party subsystem through a network control access device.

Preferably, the amount of loading transaction performed by the POS terminal or the self-service terminal is the same as the amount of consumption by swiping the bank card.

Preferably, the one acquiring subsystem corresponds to one or more of the POS terminals.

Preferably, the one acquiring subsystem corresponds to one or more third-party subsystems.

Preferably, the one third-party subsystem corresponds to one or more self-service terminals.

Preferably, the consumption transaction sent by the POS terminal or the self-service terminal and the cash loading transaction can be associated through a transaction retrieval reference number;

Compared with the prior art, the present invention has the following advantages:

(1) The present invention only needs the issuing bank to activate the cash loading function;

(2) The present invention can use any bank card to load the IC card, and the bank card supports a wide range;

(3) The POS terminal or self-service terminal used in the present invention has low cost, wide range of placement and convenient use;

(4) The user can complete the operation by himself.

Description of drawings

Fig. 1 is a structural block diagram showing a system for credit card transfer using a bank card according to the first embodiment of the present invention.

Fig. 2 is a structural block diagram showing a system for credit card transfer using a bank card according to the second embodiment of the present invention.

Fig. 3 is a flow chart showing the method of using a bank card for credit transfer according to the present invention.

Detailed ways

Presented below are some of the many possible embodiments of the invention, intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of protection.

In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings.

first embodiment

Fig. 1 is a structural block diagram showing a system for credit card transfer using a bank card according to the first embodiment of the present invention.

Referring to FIG. 1 , the system for credit card transfer using a bank card according to the first embodiment of the present invention will be described below.

As shown in FIG. 1 , the system includes: a POS terminal 11 , a receipt subsystem 12 , an inter-bank switching center 13 , and a card issuance subsystem 14 .

When the user swipes the credit card to transfer the transaction, he sends the consumption transaction to the acquiring subsystem 12 through the POS terminal 11, and the acquiring subsystem 12 forwards the consumption transaction to the card issuing subsystem 14 through the inter-bank switching center 13, and the card issuing subsystem 14 returns the consumption transaction result to The cross-bank switching center 13, the cross-bank switching center 13 forwards the consumption transaction result to the acquiring subsystem 12, and the acquiring subsystem 12 forwards the consumption transaction result to the POS terminal 11.

If the consumption transaction is a successful transaction, the POS terminal 11 sends the cash loading transaction to the acquiring subsystem 12, and the acquiring subsystem 12 forwards the cash loading transaction to the card issuing subsystem 14 through the inter-bank switching center 13, and the card issuing subsystem 14 returns the The cash loading transaction result is sent to the inter-bank exchange center 13. The inter-bank switching center 13 forwards the scripted cash loading transaction result to the acquiring subsystem 12, and the acquiring subsystem 12 forwards the scripted cash loading transaction result to the POS terminal 11, and the POS terminal 11 sends the script to the IC card. For a contact IC card, the issued script is received by the user inserting the IC card; for a non-contact IC card, the issued script is received by waving the card.

Then, after executing the script, the IC card returns the result of executing the script to the POS terminal 11, and when the next online transaction or online correction or before batch settlement, the POS terminal 11 sends the script execution result to the acquiring subsystem 12, The acquiring subsystem 12 then forwards the script execution result to the cross-bank switching center 13 , and then the cross-bank switching center 13 forwards the script execution result to the card issuing subsystem 14 . At the same time, if the execution result of the script is successful, the POS terminal 11 notifies the user that the consumption transfer is successful; as a notification method, the transaction success receipt is printed to prompt the user. Here, the amount of the cash loading transaction performed through the POS terminal 11 is the same as the amount of consumption by swiping the bank card.

In FIG. 1 , a plurality of POS terminals 11 correspond to an acquiring subsystem 12 .

In Fig. 1, the order acquiring subsystem 12 is connected between the cross-bank switching center 13 and the POS terminal 11, and is used to send the transaction request to the cross-bank switching center 13 for the consumption transaction or cash transfer transaction sent from the POS terminal 11, and The transaction response returned by the cross-bank switching center 13 is returned to the POS terminal 11 .

The inter-bank switching center 13 is connected between the acquiring subsystem 12 and the card issuing subsystem 14, and is used to forward the transaction request from the acquiring subsystem 12 and the cash transfer transaction to the card issuing subsystem 14, and return the card issuing subsystem 14 to the card issuing subsystem 14. The transaction response is sent to the acquiring subsystem 12. Among them, the inter-bank exchange center 13 also includes an automatic fund clearing unit (not shown), which is used to transfer funds from consumption transactions and cash loading transactions to corresponding card issuers, acquirers, and third parties. mechanism.

The system of the present invention can be applied to various IC cards. General IC cards can be divided into contact IC cards and non-contact IC cards; for contact IC cards, the interaction between the terminal and the IC card is realized by inserting the IC card; for non-contact IC cards, by swiping the card , to realize the interaction between the terminal and the IC card.

Utilize the above-mentioned system of swiping credit card transfer using a bank card in one embodiment of the present invention, by combining the traditional card swiping consumption transaction and IC card cash transfer transaction, the designated amount can be credited to the IC card directly by swiping the bank card, thus , can save labor costs, and better reflect the fast and convenient characteristics of IC card electronic cash.

second embodiment

Referring to Fig. 2, the system for using bank cards to carry out credit card loading according to the second embodiment of the present invention will be described below.

As shown in FIG. 2 , the system includes: a self-service terminal 21 , a third-party system 22 , an acquiring subsystem 23 , an inter-bank switching center 24 , and a card issuing subsystem 24 .

When the user swipes the credit card to transfer the transaction, the user sends the consumption transaction to the acquiring subsystem 23 through the self-service terminal 21 and the third-party system 22, and the acquiring subsystem 23 forwards the consumption transaction to the card issuing subsystem 25 through the inter-bank switching center 24, and the card issuing subsystem 25 returns the consumption transaction result to the cross-bank switching center 24, the cross-bank switching center 24 forwards the consumption transaction result to the acquiring subsystem 23, and the acquiring subsystem 23 forwards the consumption transaction result to the self-service terminal 21 through the third-party system 22. Here, the third-party system 22 may be an MIS system installed on the merchant side. As the third-party system 22, terminal management work and key management work for the self-service terminal 21 can be implemented.

If the consumption transaction is a successful transaction, the self-service terminal 21 sends the cash loading transaction to the third-party system 22, and the third-party system 22 forwards it to the acquiring subsystem 23, and the acquiring subsystem 23 forwards the cash loading transaction to the card issuer through the inter-bank switching center 24 Subsystem 25, the card issuing subsystem 25 returns the transaction result of cash transfer with script to the inter-bank switching center 24. The inter-bank exchange center 24 forwards the scripted cash loading transaction result to the acquiring subsystem 23, and the acquiring subsystem 23 forwards the scripting cash loading transaction result to the third-party system 22, and the third-party system 22 then forwards it to the self-service terminal 21, The self-service terminal 21 issues the script to the IC card. For a contact IC card, the issued script is received by the user inserting the IC card; for a non-contact IC card, the issued script is received by waving the card.

Then, after executing the script, the IC card will return the result of executing the script to the self-service terminal 21, and when the next online transaction or online correction or before batch settlement, the self-service terminal 21 will send the script execution result to the third-party system 22 , forwarded by the third-party system 22 to the acquiring subsystem 23, and the acquiring subsystem 23 forwards the script execution result to the cross-bank switching center 24, and then the cross-bank switching center 24 forwards the script execution result to the card issuing subsystem 25. At the same time, if the execution result of the script is successful, the self-service terminal 21 notifies the user that the consumption load is successful, and as a notification method, prints a transaction success receipt to remind the user. Here, the amount of the cash loading transaction performed through the self-service terminal 21 is the same as the amount of consumption by swiping the bank card.

In FIG. 2 , one or more self-service terminals 21 correspond to one third-party system 22 .

In FIG. 2, one acquiring subsystem 23 may correspond to one or more third-party systems 22;

In Fig. 2, the acquiring subsystem 23 is connected between the cross-bank switching center 24 and the third-party system 21, and is used for sending consumption transactions or cash transfer transactions sent from the self-service terminal 21 through the third-party system 22 to the cross-bank switching center 24 Send a transaction request, and return the transaction response returned by the inter-bank switching center 24 to the self-service terminal 21.

The inter-bank switching center 24 is connected between the acquiring subsystem 23 and the card issuing subsystem 25, and is used for forwarding the transaction request from the acquiring subsystem 23 and the cash loading transaction to the card issuing subsystem 25, and returning the card issuing subsystem 25 to the card issuing subsystem 25. The transaction response is sent to the acquiring subsystem 23. Among them, the inter-bank exchange center 24 also includes an automatic fund clearing unit (not shown), which is used to transfer funds from consumption transactions and cash loading transactions to corresponding card issuers, acquirers, and third parties. mechanism.

Similar to the first embodiment, the system of the present invention can be applied to various types of IC cards. General IC cards can be divided into contact IC cards and non-contact IC cards; for contact IC cards, the interaction between the terminal and the IC card is realized by inserting the IC card; for non-contact IC cards, by swiping the card , to realize the interaction between the terminal and the IC card.

Utilize the above-mentioned second embodiment of the present invention using the bank card swiping credit loading system, by combining the traditional card swiping consumption transaction and IC card cash loading transaction, can directly transfer the specified amount to the IC card by swiping the bank card, by Therefore, labor costs can be saved, and the fast and convenient characteristics of IC card electronic cash can be better reflected.

The above has described the system for swiping credit card transfer using a bank card according to the two embodiments of the present invention. Hereinafter, the method of using a bank card for card transfer of the present invention will be specifically described with reference to FIG. 1 and FIG. 3 .

Fig. 3 is a flow chart showing the method of using a bank card for credit transfer according to the present invention.

As shown in Figure 3, in step S101, the user selects the menu "Swipe card to recharge", then in step S102, the POS terminal or self-service terminal prompts "Please swipe the card" (actually it is a card swiping consumption transaction), in step S103, the user completes After swiping the card, the POS terminal or self-service terminal prompts "Please enter the transaction amount". After the user enters the transaction amount and confirms, the terminal judges whether the amount exceeds the limit. If it exceeds the limit, it will display a failure message; if it does not exceed the limit, it will prompt to enter the bank card password. Here, the maximum amount is the maximum amount of the electronic cash account stipulated by the People's Bank of China.

Next, in step S104, the user enters the bank card password, after which the POS terminal or the self-service terminal sends the consumption transaction to the acquiring subsystem or the third-party subsystem, and waits for the consumption response message from the acquiring subsystem or the third-party subsystem; If the response message shows that the consumption transaction is successful, go to step S105. On the other hand, if in step S104, if the consumption response message shows that the consumption transaction failed, then go to step S108. In step S108, the reason for the transaction failure is prompted. For example, incorrect password, insufficient balance, etc.

In step S105, the POS terminal or self-service terminal prompts "Please put the IC card on the sensing area or insert the card", the user inserts the IC card or swipes the card, and the POS terminal or self-service terminal sends the cash circle after reading the IC card. Deposit the transaction to the acquiring subsystem or the third-party subsystem, and wait for the cash loading transaction response message from the acquiring subsystem or the third-party subsystem; if the response message shows that the cash loading transaction is successful, proceed to step S106. On the other hand, if in step S105, if the response message shows that the cash loading transaction failed, then go to step S109. In step S109, the reason for the failure of the cash transfer is prompted; then enter the consumption reversal step S112.

In step S106, the POS terminal or the self-service terminal returns the result of the cash transfer transaction with the script to the IC card; the IC card executes the script, performs the card writing operation, and returns the result of executing the script operation to the POS terminal or the self-service terminal; At the time of transaction or online reconciliation or before batch settlement, the POS terminal or self-service terminal sends the script execution result to the acquiring subsystem or a third-party subsystem. On the other hand, if in step S106, if the script execution result is failure, that is, writing to the card fails, then go to step S110. In step S110, the reason for the card writing failure is prompted. After step S110, step S111 of reversing cash transfer and step S112 of reversing consumption are carried out respectively. For example, if the original amount to be loaded is 100 yuan, after the card writing fails, the cash loading transaction is reversed through step S111, and the consumption transaction is reversed through S112, and the deduction of 100 yuan is reversed to the original amount. bank card account.

On the other hand, if the card writing operation is successful, then enter step S107, and the POS terminal or self-service terminal prints the receipt. In the printed receipt, the retrieval reference number of the consumption transaction is associated with the transaction retrieval reference number of the cash transfer; the retrieval reference number of the consumption transaction + 1 = the retrieval reference number of the cash transfer.

After step S107 or step S112, enter step S113, that is, the transaction ends.

Hereinafter, with reference to FIG. 1 and FIG. 3 , a specific example is used to illustrate the method of using a bank card for credit transfer according to the present invention.

For example, if the user needs to swipe the card to deposit 100 yuan, then implement the following steps:

(1) The user selects the "Swipe Card Recharge" menu;

(2) POS terminal 11 prompts "Please swipe your card";

(3) The user enters a transaction amount of 100 yuan;

(4) POS terminal 11 prompts to input bank card password;

(5) The user enters the bank card password;

(6) POS terminal 11 sends 100 yuan consumption transaction to acquiring subsystem 12;

(7) The acquiring subsystem 12 or the third-party subsystem 22 sends the 100 yuan consumption transaction to the inter-bank exchange center 13;

(8) The inter-bank exchange center 13 sends the 100 yuan consumption transaction to the card issuing subsystem 14;

(9) The card issuing subsystem 14 returns the 100 yuan consumption transaction result to the inter-bank switching center 13;

(10) The inter-bank exchange center 13 returns the 100 yuan consumption transaction result to the acquiring subsystem 12;

(11) The acquiring subsystem 12 returns the 100 yuan consumption transaction result to the POS terminal 11;

(12) POS terminal 11 judges whether the consumption result of 100 yuan is successful, if unsuccessful, prompts that the transaction is unsuccessful; if the consumption transaction is successful, then POS terminal 11 continues to perform the following steps;

(13) The POS terminal 11 prompts to insert the IC card or wave the card;

(14) The user inserts the IC card or swipes the card;

(15) After the POS terminal 11 successfully reads the card, it sends the 100 yuan cash loading transaction to the acquiring subsystem 12;

(16) The acquiring subsystem 12 sends the 100 yuan cash loading transaction to the inter-bank exchange center 13;

(17) The inter-bank exchange center sends the 100 yuan cash loading transaction to the card issuing subsystem 14;

(18) The card issuing subsystem 14 returns the 100 yuan cash loading transaction result with the script to the inter-bank exchange center 13;

(19) The inter-bank exchange center 13 returns the transaction result of the 100 yuan cash transfer with the script to the acquiring subsystem 12;

(20) The receipt subsystem 12 returns the transaction result of the 100 yuan cash transfer with the script to the POS terminal 11;

(21) POS terminal 11 sends the script to the IC card;

(22) The IC card executes the script, and returns the execution result to the POS terminal 11;

(23) During the next online transaction or online resetting or before batch settlement, the POS terminal 11 sends the script execution result to the acquiring subsystem 12, and if the IC card executes the script successfully, the POS terminal 11 prints the transaction success receipt;

(24) The acquiring subsystem 12 sends the script execution result to the cross-bank switching center 13;

(25) The cross-bank switching center 13 sends the script execution result to the card issuing subsystem 14 .

As mentioned above, according to the method of using a bank card for swiping card transfer of the present invention, the function of deducting the amount of the bank card and using the POS terminal or self-service terminal to send and consume The cash loading transaction with the same transaction amount is used to realize the function of loading cash to the IC card. Only the card issuing bank needs to activate the function of cash loading transaction to realize the cash loading of the IC card by swiping the bank card. The POS terminal or self-service terminal that supports this service has the advantages of low cost, wide range of placement, and convenient use; the present invention can use any bank card to load the IC card, and the bank card supports a wide range, and the user can complete the above-mentioned The credit card transfer operation has the excellent effect of saving human resources and relieving the pressure on the bank counter.

The above example mainly illustrates the method and method of swiping credit card transfer using a bank card of the present invention. Although only some of the embodiments of the present invention have been described, those skilled in the art should appreciate that the present invention can be implemented in many other forms without departing from the spirit and scope thereof. The examples and embodiments shown are therefore to be regarded as illustrative and not restrictive, and the invention may cover various modifications without departing from the spirit and scope of the invention as defined in the appended claims with replace.

Claims (12)

1. use bank card to carry out the method for enclosing and depositing of swiping the card, it is characterized in that, the method comprises the steps: successively

(1) use POS terminal that the transaction of bank card bankcard consumption is forwarded step via the consumer sale receiving Subsystem, inter-bank switching centre is forwarded to hair fastener subsystem successively; Or use self-aided terminal by the transaction of bank card bankcard consumption successively via third party's subsystem, receive the consumer sale that Subsystem, inter-bank switching centre be forwarded to hair fastener subsystem and forward step;

(2) from hair fastener subsystem, the consumer sale result that consumer sale result returns to POS terminal via inter-bank switching centre, receipts Subsystem is successively returned step; Or from hair fastener subsystem by consumer sale result successively via inter-bank switching centre, receive the consumer sale result that Subsystem, third party's subsystem return to self-aided terminal and return step;

(3) when bank card bankcard consumption Transaction Success, cash circle is deposited transaction and is deposited transaction forwarding step via the cash circle receiving Subsystem, inter-bank switching centre is forwarded to hair fastener subsystem successively by POS terminal; Or when bank card bankcard consumption Transaction Success, self-aided terminal cash circle is deposited transaction successively via third party's subsystem, receive cash circle that Subsystem, inter-bank switching centre be forwarded to hair fastener subsystem and deposit transaction and forward step;

(4) from hair fastener subsystem the cash circle of band script deposited transaction results successively via inter-bank switching centre, receive cash circle that Subsystem returns to the band script of described POS terminal and deposit transaction results and return step; Or from hair fastener subsystem the cash circle of band script deposited transaction results successively via inter-bank switching centre, receive cash circle that Subsystem, third party's subsystem return to the band script of described self-aided terminal and deposit transaction results and return step;

(5) script that script is handed down to IC-card by described POS terminal or described self-aided terminal issues step;

(6) IC-card performs the script execution step of the script issued;

(7) result performing the script issued is returned to POS terminal or self-aided terminal by IC-card;

(8) when next on-line transaction or onlinely rush timing or before batch clearing, POS terminal by script execution result successively via the forwarding step receiving Subsystem, inter-bank switching centre and be forwarded to hair fastener subsystem; Or when next on-line transaction or onlinely rush timing or before batch clearing, self-aided terminal by script execution result successively via third party's subsystem, receive the forwarding step that Subsystem, inter-bank switching centre are forwarded to hair fastener subsystem,

Wherein, the amount of money of described bank card bankcard consumption transaction is identical with the amount of money that transaction deposited by described cash circle,

The retrieving reference number that transaction deposited by the retrieving reference of described bank card bankcard consumption transaction number and described cash circle is associated.

2. the bank card that uses as claimed in claim 1 carries out the method for enclosing and depositing of swiping the card, and it is characterized in that,

Perform in step at described script, the result performing script is returned to described POS terminal or described self-aided terminal by IC-card after performing the script issued.

3. the bank card that uses as claimed in claim 2 carries out the method for enclosing and depositing of swiping the card, and it is characterized in that,

After described script performs step, described POS terminal or described self-aided terminal notice customer transaction result.

4. the bank card that uses as claimed in claim 2 carries out the method for enclosing and depositing of swiping the card, and it is characterized in that,

After described script performs step, if IC-card performs the script success issued, consumer sale and cash circle are deposited the printing of transaction response result and are notified holder by described POS terminal or described self-aided terminal.

5. the bank card that uses as claimed in claim 2 carries out the method for enclosing and depositing of swiping the card, and it is characterized in that,

When also to possess by described POS terminal at next on-line transaction after described script performs step or onlinely rush timing or before batch clearing, script execution result is sent to the script execution result feedback step receiving Subsystem; Or also possess by described self-aided terminal after described script performs step, when next on-line transaction or onlinely rush timing or before batch clearing, script execution result is sent to the script execution result feedback step receiving Subsystem by third party's subsystem.

6. the bank card that uses as claimed in claim 5 carries out the method for enclosing and depositing of swiping the card, and it is characterized in that,

In described script execution result feedback step, transaction is received Subsystem and further the forwarding of script execution result is transmitted to hair fastener subsystem via inter-bank switching centre; Or in described script execution result feedback step, script execution result is transmitted to hair fastener subsystem through receipts Subsystem, inter-bank switching centre by third party's subsystem.

7. one kind uses bank card to carry out the system of enclosing and depositing of swiping the card, it is characterized in that, this system comprises: POS terminal, receipts Subsystem, inter-bank switching centre and hair fastener subsystem, or this system comprises: self-aided terminal, third party's subsystem, receipts Subsystem, inter-bank switching centre and hair fastener subsystem

Described POS terminal or described self-aided terminal for accepting the bankcard consumption of bank card and depositing for carrying out circle to IC-card when judging bankcard consumption Transaction Success,

Described third party's subsystem is connected to described self-aided terminal and receives between Subsystem, transaction request is sent to described receipts Subsystem for the consumer sale sent from described self-aided terminal or cash circle being deposited transaction, and the transaction returned by described receipts Subsystem response returns to described self-aided terminal

Described receipts Subsystem is connected between inter-bank switching centre and described POS terminal, described third party's subsystem, transaction request is sent to described inter-bank switching centre for the consumer sale sent from described terminal or cash circle being deposited transaction, and the transaction described inter-bank switching centre returned response returns to described POS terminal, described third party's subsystem

Described inter-bank switching centre is connected between described receipts Subsystem and described hair fastener subsystem, for depositing transaction to the request of described hair fastener subsystem transmitted transaction by from the consumer sale of described receipts Subsystem and cash circle, and the transaction returned by described hair fastener subsystem response is sent to described receipts Subsystem

Described hair fastener subsystem is used for the account clearing of depositing bank card bankcard consumption and cash circle,

Wherein, the amount of money of described bank card bankcard consumption transaction is identical with the amount of money that transaction deposited by described cash circle,

The retrieving reference number that transaction deposited by the retrieving reference of described bank card bankcard consumption transaction number and described cash circle is associated.

8. the bank card that uses as claimed in claim 7 carries out the system of enclosing and depositing of swiping the card, and it is characterized in that,

Described inter-bank switching centre also comprises fund and automatically clears unit, for the funds transfer of consumer sale and cash circle being deposited transaction to corresponding card sending mechanism and acquirer, the third-party institution.

9. the bank card that uses as claimed in claim 7 carries out the system of enclosing and depositing of swiping the card, and it is characterized in that,

Described POS terminal is connected to receipts Subsystem by network control access device,

Described self-aided terminal is connected to third party's subsystem by network control access device,

10. the bank card that uses as claimed in claim 7 carries out the system of enclosing and depositing of swiping the card, and it is characterized in that,

Described POS terminal or self-aided terminal carry out cash circle, and to deposit the amount of money of transaction identical with the amount of money of the bankcard consumption of bank card.

11. use bank card to carry out the system of enclosing and depositing of swiping the card as claimed in claim 7, it is characterized in that,

Receive Subsystem corresponding to POS terminal described in one or more for described one,

Receive Subsystem corresponding to third party's subsystem described in one or more for described one,

Described third party's subsystem corresponds to self-aided terminal described in one or more.

12. use bank card to carry out the system of enclosing and depositing of swiping the card as claimed in claim 7, it is characterized in that,

Described POS terminal or self-aided terminal are deposited after punching just concludes the business at the cash circle sent, and need to send the consumption punching be associated and just conclude the business.