CN103810786A

CN103810786A - Method and system for corresponding to multiple accounts with bank card

Info

Publication number: CN103810786A
Application number: CN201210440922.5A
Authority: CN
Inventors: 陈耀奎
Original assignee: Individual
Current assignee: Individual
Priority date: 2012-11-07
Filing date: 2012-11-07
Publication date: 2014-05-21

Abstract

The invention relates to a method and system for corresponding to multiple accounts with a bank card. The method and system mainly aims at changing the current situation that at present, an account can only be managed through one password of the bank card into the situation that the different accounts can be correspondingly managed through different passwords of the bank card, and therefore according to the method and system, a user can own the multiple accounts through one bank card. Certain problems frequently occurring when people use bank cards at presents can be conveniently solved.

Description

An a kind of bank card can corresponding many accounts method and system

Technical field

The present invention relates to and realize the method and system that a bank card can corresponding many accounts.

Background technology

Along with social progress, bank card plays impetus energetically to socioeconomic development: it can reduce cash circulation, saves money flow expense; Can simplify gathering formality, avoid heavy cash to check and take care of and operate operation, economize in social labor; Can provide convenience for holder, fast, safety clearing service; Can stimulate social demand, promote merchandise sales, the circulation of acceleration commodity, promote economic development, so, there is increasing people to bring into use bank card, bank card becomes a kind of instrument more and more conventional in modern's life, but in this process, also there are various social concerns and do not attract much attention:

1, in view of people are increasing to the demand of bank card, many people often need multiple cards could meet self various demand, have so not only wasted bank card resource, also to holder, the management of card are brought to unnecessary trouble;

2, people are stuck in while withdrawing cash on cash dispenser in use, often occur forgetting that fetching card causes the thing that in card, debt is taken away by other people because of remittee after being intended to greatly take money for the moment;

3, people are in the process of bankcard consumption, often occur that card after swiping the card is cloned and causes the situation of the stolen brush of Igor Kanygin volume;

4, in life; often can there are some lawless persons in the time doing illegal thing; if find that victim is with bank card; often force the injured party to say bank card password and finally take the debt in card away; and in such cases; the injured party often has no idea to reduce the economic loss of oneself in the situation that not increasing self danger, etc.

And the bank card that current people use is generally all accounts that a cartoon is crossed a Password Management card, these all can not effectively solve above-mentioned people at present in real-life problem.

Whether can find a kind of method, when it can keep all benefits of bank card, the problem that also can reduce as far as possible or avoid it may bring to holder in people's real life, realize and use the card of minimum number just can solve the needs of people to various cards, forget even careless and after money, return bank card and also can not lose the most of debt in card taking, even if card is cloned the most of debt of offender in can not being blocked, can not take most of debt etc. in card even if run into lawless person away wringing bank card password, must reduce like this people's potential loss risk and liked and accept by people.

Summary of the invention

An a kind of bank card of the present invention can corresponding many accounts method be to change into every bank card and can use multiple passwords respectively different accounts to be managed to operation by current every bank card is only carried out to operational administrative by a password to its account, bank card can have one or have multiple passwords simultaneously, and each password and bank card number be corresponding account separately respectively, bank card has how many passwords just can to there being how many accounts, here the account itself that each password and bank card are corresponding can be single account, also can be the combination of multiple accounts but the combination of these multiple accounts has unique login password, as being only a current account, also can be a current account, the combination account of fixed account etc., even can in the account, can also comprise sub-account, namely: the arbitrary password in the plurality of password and account corresponding to its bank card number can be suitable with the corresponding account of its unique password with current any bank card,

Of the present invention can corresponding many accounts by provide multiple passwords to realize a bank card for bank card, between these accounts, can be independent of each other, also can be that some account is unidirectional associated with other segregated account, being user cannot view and the information of the corresponding account of other password of this bank card by the login content that wherein independently account shows, even can not distinguish this bank card is the bank card that only has the bank card of corresponding its account of a password or can have the corresponding many accounts of multiple passwords, if and have unidirectional interlock account, the information that card possessor can directly check by this interlock account other segregated account of operational administrative, segregated account and interlock account can independently exist, also can exist together,

Of the present invention can corresponding many accounts by provide multiple passwords to realize a bank card for bank card, in the time that these accounts are operated, can in two kinds of situations, select: one is in the time having an interlock account, interlock account is as total account of all accounts of this card, operating in of all accounts all has embodiment in the account, the account amount of money of this interlock account is the total charge of all accounts of this card, for the operation of other segregated account, as withdraw the money or deposit, when having corresponding operation note in this segregated account, this operation note also can embody in interlock account, as withdrawn the money 200 yuan in certain segregated account of this bank card, the remaining sum that this segregated account shows can reduce 200 yuan accordingly, and simultaneously, also 200 yuan of the corresponding minimizings of the interlock account remaining sum of this card, as deposited on the impact of interlock account too at this segregated account, no matter the second situation is relevant account whether, operation on interlock account and segregated account is except utilizing interlock account can check that management is to other segregated account, correspondence is deposited and withdrawn the money is independently, if segregated account is deposited, only can increase the remaining sum on this segregated account, remaining sum on interlock account itself does not affect, withdraw the money too, no matter adopt that situation above, in the time that user only uses bank card number to deposit, can directly deposit in the account that user reaches an agreement in advance or a password defining is corresponding, directly proceed in the account that prior agreement is good and transfer accounts also can set for card, can also reach an agreement on and deposit respectively in different accounts according to bank of opposite side card information, as being transferred to respectively in different segregated accounts according to the region at bank of opposite side card card number or card number place, so that holder carries out orderly management,

For above-mentioned interlock account, it can also be only the demonstration operational administrative interface of other segregated account, and self is the function with account not, i.e. the operation of itself and account amount of money all be unable to do without among the corresponding user object of other password;

An a kind of bank card of the present invention can corresponding multiple accounts system, be utilized as a bank card set multiple passwords the method for corresponding many accounts realize so that people can carry out actual application in life;

An a kind of bank card of the present invention can corresponding many accounts system, when user is during at Modify password, if other password of amended new password and same bank card is consistent, can adopt two kinds of processing modes: the first, directly require user to remodify password, until do not repeat; The second, combines the account of repetition to be combined together demonstration, and account corresponding to password repeating shows together;

Like this, because just can replacing multiple, a bank card that can have multiple passwords currently only have a password to manage the bank card of all accounts informations, can reduce to a certain extent the demand of people to current multiple bank cards of needs, thereby can reduce to a certain extent the waste of bank card, also reduce the manufacturing cost of certain bank card simultaneously; In the time having a card can have multiple independently account, people just can deposit suitable money in conventional segregated account, and do not need a large amount of money to leave in the conventional bank card corresponding account of being managed by unique password, like this after withdrawing the money because of a period of time general idea forgotten to take away bank card and falsely claimed as one's own by other people, can not lose the debt in the corresponding account of other password in card yet; When consumption is swiped the card outside, can not worry that bank card is cloned and causes the debt in other password institute corresponding account in card all to be brushed away by people simultaneously yet, reduce the potential loss risk of card possessor; Under the worst situation; just in case when running into lawless person and wringing bank card password; as long as tell like this one of them segregated account of preprepared corresponding bank card password; so only can lose a part of debt that oneself can bear and just can easier dissolve crisis; not only can reduce economic loss, can also reduce to a certain extent life risk.

Accompanying drawing explanation

Nothing

Embodiment

One is embodiment preferably: every bank card can be set multiple passwords, each password and one or one group of bank card number correspondence have multiple accounts of same login password, in the time of the newly-increased password of a bank card and its corresponding account, system can produce unique sequence number or a numbering corresponding with this bank's card number, then system can be according to this bank's card number and this unique sequence number or a code unique in system of numbering composition, this code will be used to unique identification by corresponding New Account together with this bank card number password newly-increased with this, this New Account can be in current common account class, also can be the combination of multiple accounts, as can be only current account, also can comprise current account, the combination account of fixed account etc., this New Account can with current arbitrary only have the corresponding account of bank card of a password suitable,

At this preferably in embodiment, a bank is by the corresponding many accounts of multiple passwords, can have account that password is corresponding as with the interlock account of the corresponding account of other password, by this interlock account, can realize the corresponding account of other password of this bank card is checked to management, as information inquiry, transfer accounts, directly revise the password of the different password of same card number institute corresponding account etc., and account corresponding to other password is all as segregated account, cannot view by the segregated account information showing after these segregated account password logins the accounts information that other password login system shows, the any information that comprises relative interlock account can not be shown,

At this preferably in embodiment, between interlock account and segregated account, can there be two kinds of concrete implementation relations, one manages all segregated accounts for interlock account, the operation of withdrawing the money, deposit of segregated account not only has relative recording in these segregated accounts, and in interlock account, also can there is a relative recording simultaneously, the amount of money number of interlock account comprises the amount of money in its all segregated accounts of managing, being that amount of money in segregated account is virtual, is only part or all of amount of money in its interlock account; Two for the amount of money in segregated account be independently, to segregated account, the operation such as transfer accounts, deposit, withdraw the money only can have influence on corresponding segregated account itself, and can not have influence on interlock account itself, even and operation is to be also the same to segregated account in interlock account;

In system, interlock account only can also be set as to the demonstration operation unified interface of all segregated accounts of associated, and self our department is as an effective account;

At this preferably in embodiment, a bank card can have multiple passwords corresponding account separately respectively, require this bank card outward appearance and general bank card similar, without any can Direct Recognition being whether the bank card information that can have many accounts that multiple passwords determine;

At this, preferably in embodiment, requiring Account Settings corresponding one of them password is that spot assets and the acquiescence that proceeds to account receive account;

At this preferably in embodiment, in the time that card possessor inputs card number and password login, system is inquiry all sequence number or the numbering corresponding with this card number automatically, and successively according to the rule adopting in the time increasing a corresponding account of password newly, generate and the unique corresponding identification code of account, then utilize together with the password of identification code and input with system in data compare, if any unanimously, enter the account corresponding with this identification code and allow importer operate accordingly, as inquiry, withdraw the money, deposit etc.;

Preferably in embodiment, in the time that user modifies password, if amended password is consistent with corresponding other account password of this card, can require user to continue to revise password corresponding to the account at this;

At this preferably in embodiment, card possessor can in please or directly set the debt that other fixing card number account is proceeded to and directly deposit in the account that a certain password of this card is corresponding, the close end fixed term in account corresponding certain password is transferred to convenience-for-people operation of robotization etc. in the account that other password is corresponding.

Claims

1. the method that an a kind of bank card of the present invention can corresponding many accounts, is characterized in that a bank card can set multiple passwords simultaneously, and each password and bank card number be corresponding account separately respectively.

2. the method that an a kind of bank card of the present invention can corresponding many accounts, a bank card described in it can have multiple passwords simultaneously, the corresponding account of each password and bank card number, it is characterized in that, among these accounts, can there is the interlock account of an account as other password and card number corresponding account, can check that by this interlock account management sets up with it associated account, set up associated account as segregated account with interlock account.

3. the method that an a kind of bank card of the present invention can corresponding many accounts, described in it, a bank card can have multiple passwords, the corresponding account of each password and bank card number, can there is one for interlock account, it is characterized in that can showing accounts information associated therewith in interlock account, and the account that can be associated to it is carried out direct control management, interlock account itself and its are set up between associated segregated account, operation on segregated account can be reflected to interlock account originally with it, also the operational administrative on segregated account can be independent of to interlock account itself, but still can carry out direct control management to its associated segregated account by the individual interface showing on interlock account that logs in, interlock account can also only provide for setting up with it associated segregated account the unified interface that shows operational administrative.

4. the method that an a kind of bank card of the present invention can corresponding many accounts, described in it, a bank card can have multiple passwords, the corresponding account of each password and bank card number, it is characterized in that, account corresponding to bank card number and password in the time there is no interlock account, or in the time of relevant account, set up associated account with interlock account, be segregated account, cannot show accounts information corresponding to any other password of this bank card by the information of segregated account.

5. the system that an a kind of bank card of the present invention can corresponding many accounts, it is characterized in that it uses a bank card can have the method for the corresponding many accounts of multiple passwords, realizes the system that has multiple accounts simultaneously and manage by password separately respectively on a bank card.