CN104200355A - Integrated circuit (IC) card loading method based on O2O mode - Google Patents
Integrated circuit (IC) card loading method based on O2O mode Download PDFInfo
- Publication number
- CN104200355A CN104200355A CN201410414497.1A CN201410414497A CN104200355A CN 104200355 A CN104200355 A CN 104200355A CN 201410414497 A CN201410414497 A CN 201410414497A CN 104200355 A CN104200355 A CN 104200355A
- Authority
- CN
- China
- Prior art keywords
- card
- party
- payment
- writing
- pos machine
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/349—Rechargeable cards
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
An integrated circuit (IC) card loading method based on an O2O mode includes the following steps that 1 a user conducts charging online through a third party payment platform; 2 the user utilizes an IC card to conduct card writing on a card writing POS machine. By means of the method, loading is divided into an online charging step and an offline charging step, various online charging ways such as the Internet bank, the sales network, APP and short messages can be expanded, and more choices are provided for the user. An operator does not need to involve in the process, and the process is completely finished by the user in a self-service mode. Labor cost is saved, the offline POS machine automatically correlates the charging records during the card writing process, the process is finished through a self-service terminal, and the operation is simple and convenient.
Description
[technical field]
The invention belongs to communication technical field, specifically refer to a kind of IC-card circle deposit method based on O2O pattern.
[background technology]
O2O pattern, Online To Offline (online off-line/line under line), refers to the commercial chance under line is combined with internet, allows internet become the foreground of off-line transaction.
Supplementing with money of the systems such as current similar public transport, all-purpose card, apply morely, user pays in cash in outlet, is initiated to supplement with money by system by salesman to public transport (or card system), public transit system is returned and is write card data, writes card by card reader.This mode often occurs that user concentrates supplements with money, need to wait in line to outlet, and waste user time, in while salesman money transaction operating process, goes out amount in cash input error once in a while, causes bad credit.
In view of this, the inventor, for the defect further investigation of prior art, has this case to produce then.
[summary of the invention]
Technical matters to be solved by this invention is to provide a kind of IC-card circle deposit method based on O2O pattern, saves user time, alleviates the pressure of outlet.
The present invention is achieved in that
An IC-card circle deposit method based on O2O pattern, comprises the steps:
Step 1: user supplements with money by third party's payment platform on line;
Step 2: user uses IC-card to write card writing on card POS machine.
Further, described step 1 specifically comprises:
Step 1a: user, in the client or door of third party's payment platform, inputs IC-card account or payment account, the payment amount of money with IC-card binding, and third party's payment accounts, payment cipher are initiated payment asks;
Step 1b: the client of third party's payment platform or door, initiate payment to third party's payment platform;
Step 1c: after third party's payment platform is deducted fees successfully, initiate payment request to IC-card card issuer system;
Step 1d: after card issuer's system is processed successfully, return to payment result;
Step 1e: if pay the fees successfully, third party's payment platform records the state of this recharging payment for supplementing the card state of not writing with money, and platform returns to payment result to client or door simultaneously, if pay the fees successfully, client or door prompting user successful recharging, need complete writing operation writing card POS machine.
Further, described step 2 specifically comprises:
Step 2a: IC-card is inserted the card POS machine of writing by user;
Step 2b: user selects circle to deposit writing on card POS machine, writes card POS machine and read IC-card account, balance amount information from IC-card;
Step 2c: after user's confirmation is errorless, initiate to enclose to third party's payment platform the request of depositing by writing card POS machine;
Step 2d: third party's payment platform obtains and supplements the record that does not enclose the state of depositing with money according to account information;
Step 2e: third party's payment platform sends not enclose to deposit and records serial number, deposits and writes card data to IC-card card issuer system request circle;
Step 2f: after the state of this serial number of card issuer's system validation is correct, returns and write card data to third party's payment platform;
Step 2g: third party's payment platform returns writes card data to writing card POS machine;
Step 2h: write card POS machine and will write card data and be written in entity card;
Step 2i: after writing card and completing, write card POS machine and initiate to write card result to third party's payment platform and notify;
Step 2j: third party's payment platform upgrades the former recording status of supplementing with money for writing card success status;
Step 2k: after the success of third party's paymate processes, return to and write card flowing water, write card amount information to writing card POS machine, if do not supplement record with money in addition, repeat 2d-2k step;
Step 2l: write the processing of card POS machine and finish, prompting user circle is deposited result.
The invention has the advantages that: 1, Jiang Quan deposits to be divided on line and supplements with money, writes two steps of card under line, can expand on the multiple lines such as Net silver, outlet, APP, note and supplement channel with money, offers user more to select; 2, get involved without business personnel, completed by user self-help completely, saved human cost, avoid the problem such as bad credit, complaint causing in salesman's maloperation situation simultaneously; Under line, write card site and be no longer confined to business hall, can be extended to unattended other place; 3, will supplement step with money independent, POS is upper only need complete writing operation, user's simple operation, and POS operating process simple and fast, for user has saved the time of waiting in line; The process of supplementing with money is completed by user self-help, and user inputs how much amount of money to be determined by oneself, reduces the possibility of makeing mistakes.While writing card, supplement record by POS under line with money according to card number auto-associating, completed by self-aided terminal, easy and simple to handle.
[brief description of the drawings]
The invention will be further described in conjunction with the embodiments with reference to the accompanying drawings.
Fig. 1 is process flow diagram of the present invention.
Fig. 2 is recharge procedure schematic diagram in the present invention.
Fig. 3 writes card schematic flow sheet in the present invention.
[embodiment]
An IC-card circle deposit method based on O2O pattern, as shown in Figure 1, comprises the steps:
Step 1: user supplements with money by third party's payment platform on line;
Step 2: user uses IC-card to write card writing on card POS machine.
As Fig. 2, step 1 specifically comprises:
Step 1a: user, in the client or door of third party's payment platform, inputs IC-card account or payment account, the payment amount of money with IC-card binding, and third party's payment accounts, payment cipher etc. are initiated payment asks;
Step 1b: the client of third party's payment platform or door, initiate payment to third party's payment platform;
Step 1c: after third party's payment platform is deducted fees successfully, initiate payment request to IC-card card issuer system;
Step 1d: after card issuer's system is processed successfully, return to payment result;
Step 1e: if pay the fees successfully, third party's payment platform records the state of this recharging payment for supplementing the card state of not writing with money, returns to payment result, if pay the fees successfully to client or door simultaneously, client or door prompting user successful recharging, need complete writing operation writing card POS machine.
As Fig. 3, step 2 specifically comprises:
Step 2a: IC-card is inserted the card POS machine of writing by user;
Step 2b: user selects circle to deposit writing on card POS machine, writes card POS machine and read the information such as IC-card account, remaining sum from IC-card;
Step 2c: after user's confirmation is errorless, initiate to enclose to third party's payment platform the request of depositing by writing card POS machine;
Step 2d: third party's payment platform obtains and supplements the record that does not enclose the state of depositing with money according to account information;
Step 2e: third party's payment platform sends not enclose to deposit and records serial number, deposits and writes card data to IC-card card issuer system request circle;
Step 2f: after the state of this serial number of card issuer's system validation is correct, returns and write card data to third party's payment platform;
Step 2g: third party's payment platform returns writes card data to writing card POS machine;
Step 2h: write card POS machine and will write card data and be written in entity card;
Step 2i: after writing card and completing, write card POS machine and initiate to write card result to third party's payment platform and notify;
Step 2j: third party's payment platform upgrades the former recording status of supplementing with money for writing card success status;
Step 2k: after the success of third party's paymate processes, return and write card flowing water, write the information such as the card amount of money to writing card POS machine, if do not supplement in addition record with money, repeat 2d-2k step;
Step 2l: write the processing of card POS machine and finish, prompting user circle is deposited result (comprising the information such as total stroke count, total charge, card remaining sum of depositing of enclosing).
The present invention deposits circle to be divided on line and supplements with money, writes two steps of card under line, can expand on the multiple lines such as Net silver, outlet, APP, note and supplement channel with money, offers user more to select; Get involved without business personnel, completed by user self-help completely, saved human cost, avoid the problem such as bad credit, complaint causing in salesman's maloperation situation simultaneously; Under line, write card site and be no longer confined to business hall, can be extended to unattended other place; To supplement step with money independent, POS is upper only need complete writing operation, user's simple operation, and POS operating process simple and fast, for user has saved the time of waiting in line; The process of supplementing with money is completed by user self-help, and user inputs how much amount of money to be determined by oneself, reduces the possibility of makeing mistakes.While writing card, supplement record by POS under line with money according to card number auto-associating, completed by self-aided terminal, easy and simple to handle.
The foregoing is only better enforcement use-case of the present invention, be not intended to limit protection scope of the present invention.Within the spirit and principles in the present invention all, any amendment of doing, be equal to and replace and improvement etc., within all should being included in protection scope of the present invention.
Claims (3)
1. the IC-card circle deposit method based on O2O pattern, is characterized in that: comprise the steps:
Step 1: user supplements with money by third party's payment platform on line;
Step 2: user uses IC-card to write card writing on card POS machine.
2. a kind of IC-card circle deposit method based on O2O pattern as claimed in claim 1, is characterized in that: described step 1 specifically comprises:
Step 1a: user, in the client or door of third party's payment platform, inputs IC-card account or payment account, the payment amount of money with IC-card binding, and third party's payment accounts, payment cipher are initiated payment asks;
Step 1b: the client of third party's payment platform or door, initiate payment to third party's payment platform;
Step 1c: after third party's payment platform is deducted fees successfully, initiate payment request to IC-card card issuer system;
Step 1d: after card issuer's system is processed successfully, return to payment result;
Step 1e: if pay the fees successfully, third party's payment platform records the state of this recharging payment for supplementing the card state of not writing with money, simultaneously return to payment result to client or door, client or door prompting user successful recharging, need complete writing operation writing card POS machine.
3. a kind of IC-card circle deposit method based on O2O pattern as claimed in claim 1, is characterized in that: described step 2 specifically comprises:
Step 2a: IC-card is inserted the card POS machine of writing by user;
Step 2b: user selects circle to deposit writing on card POS machine, writes card POS machine and read IC-card account, balance amount information from IC-card;
Step 2c: after user's confirmation is errorless, initiate to enclose to third party's payment platform the request of depositing by writing card POS machine;
Step 2d: third party's payment platform obtains and supplements the record that does not enclose the state of depositing with money according to account information;
Step 2e: third party's payment platform sends not enclose to deposit and records serial number, deposits and writes card data to IC-card card issuer system request circle;
Step 2f: after the state of this serial number of card issuer's system validation is correct, returns and write card data to third party's payment platform;
Step 2g: third party's payment platform returns writes card data to writing card POS machine;
Step 2h: write card POS machine and will write card data and be written in entity card;
Step 2i: after writing card and completing, write card POS machine and initiate to write card result to third party's payment platform and notify;
Step 2j: third party's payment platform upgrades the former recording status of supplementing with money for writing card success status;
Step 2k: after the success of third party's paymate processes, return to and write card flowing water, write card amount information to writing card POS machine, if do not supplement record with money in addition, repeat 2d-2k step;
Step 2l: write the processing of card POS machine and finish, prompting user circle is deposited result.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410414497.1A CN104200355A (en) | 2014-08-21 | 2014-08-21 | Integrated circuit (IC) card loading method based on O2O mode |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410414497.1A CN104200355A (en) | 2014-08-21 | 2014-08-21 | Integrated circuit (IC) card loading method based on O2O mode |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104200355A true CN104200355A (en) | 2014-12-10 |
Family
ID=52085644
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410414497.1A Pending CN104200355A (en) | 2014-08-21 | 2014-08-21 | Integrated circuit (IC) card loading method based on O2O mode |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104200355A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104318433A (en) * | 2014-10-21 | 2015-01-28 | 南京守护宝信息技术有限公司 | Automatic recharging method and system of citizen card |
| CN105184565A (en) * | 2015-09-09 | 2015-12-23 | 建亿通（北京）数据处理信息有限公司 | Card business realizing method, business platform and system |
| CN105184970A (en) * | 2015-08-27 | 2015-12-23 | 余荣军 | Public transportation IC card internet payment system and payment method thereof |
| CN106096933A (en) * | 2016-06-06 | 2016-11-09 | 北京彩云动力教育科技有限公司 | A kind of campus card recharge method by all kinds of means |
| WO2017063543A1 (en) * | 2015-10-13 | 2017-04-20 | ***股份有限公司 | Electronic cash loading method, apparatus, system and computer readable storage medium |
| CN107464104A (en) * | 2017-07-28 | 2017-12-12 | 优艾特仪表科技成都有限公司 | A kind of IC-card top-up machines and recharge method |
| CN109544822A (en) * | 2018-11-29 | 2019-03-29 | 四川商通实业有限公司 | A kind of IC card electronic cash self-recharging method and its system |
| CN110544081A (en) * | 2019-05-29 | 2019-12-06 | 陕西航天动力高科技股份有限公司 | internet of things payment method and system suitable for IC card prepayment gas meter |
-
2014
- 2014-08-21 CN CN201410414497.1A patent/CN104200355A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104318433A (en) * | 2014-10-21 | 2015-01-28 | 南京守护宝信息技术有限公司 | Automatic recharging method and system of citizen card |
| CN105184970A (en) * | 2015-08-27 | 2015-12-23 | 余荣军 | Public transportation IC card internet payment system and payment method thereof |
| CN105184565A (en) * | 2015-09-09 | 2015-12-23 | 建亿通（北京）数据处理信息有限公司 | Card business realizing method, business platform and system |
| WO2017063543A1 (en) * | 2015-10-13 | 2017-04-20 | ***股份有限公司 | Electronic cash loading method, apparatus, system and computer readable storage medium |
| CN106096933A (en) * | 2016-06-06 | 2016-11-09 | 北京彩云动力教育科技有限公司 | A kind of campus card recharge method by all kinds of means |
| CN107464104A (en) * | 2017-07-28 | 2017-12-12 | 优艾特仪表科技成都有限公司 | A kind of IC-card top-up machines and recharge method |
| CN109544822A (en) * | 2018-11-29 | 2019-03-29 | 四川商通实业有限公司 | A kind of IC card electronic cash self-recharging method and its system |
| CN110544081A (en) * | 2019-05-29 | 2019-12-06 | 陕西航天动力高科技股份有限公司 | internet of things payment method and system suitable for IC card prepayment gas meter |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN104200355A (en) | Integrated circuit (IC) card loading method based on O2O mode | |
| US11687895B2 (en) | Systems and methods for point of sale deposits | |
| TWI710985B (en) | IC card-based transaction processing and credit payment authorization method, device and system | |
| US9147184B2 (en) | Control system arrangements and methods for disparate network systems | |
| US20180089755A1 (en) | Systems and methods for switching electronic accounts using a self-service device | |
| CN107563747A (en) | For being combined the method and device of payment | |
| WO2016097879A1 (en) | Real-time electronic cheque issue system for money transfer, payment and management | |
| CN104966194A (en) | Composite cash register method and intelligent cash register system therefor | |
| CN101136123A (en) | Smart card POS machine system and corresponding method for payment collecting and remitting at merchant stations | |
| CN102667838A (en) | Non-contact smart payment card and method thereof for supporting different bank payment services | |
| US20140164192A1 (en) | Franchise royalty and advertising fee collection | |
| WO2016061349A1 (en) | Bottom of the pyramid pay method and system | |
| CN106372876A (en) | Cross-border payment method and system | |
| WO2017107870A1 (en) | Offline payment method and device | |
| CN108197917A (en) | Reimbursement processing method, apparatus and system | |
| CN104715362A (en) | Payment system and method for confirming deal through real-time information communication | |
| CN105913272A (en) | System and method for processing vouchers | |
| WO2017069700A1 (en) | Method and system for managing payment transactions | |
| CN104392561B (en) | One kind is pre-recorded into account bank card, Data Enter device and application method | |
| US10559041B2 (en) | Conducting various actions indicated by a financial card | |
| CN204883936U (en) | Equipment is deposited to citizen card bank circle | |
| CN110119941B (en) | Mobile payment system and mobile payment method | |
| CN106934606A (en) | A kind of Credit Card Payments request processing method and device | |
| CN102542691B (en) | Method for realizing bank card transaction between mobile phones in point-to-point way | |
| JP2003051053A (en) | Vending device, automatic deposit system and fund transfer device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20141210 |