The content of the invention
In view of this, the technical problem to be solved in the present invention is to provide one kind easily and efficiently pre-record into account bank card,
Data Enter device and application method.
In order to solve the above technical problems, the technical scheme that the present invention is provided is:One kind is pre-recorded into account bank card, is stored with
Some groups of alternative advance deposit accounts informations, and built-in identifier pre-records into the service code and safety of account bank card property
Property identification code, support deposit and verification function.
Another preferred scheme, is included on the basis of existing bank card and sets up the account transfer function that prestores, be stored with some
The alternative pre- accounts information of transferring accounts of group.
Described pre-recording into account bank card original cards is two kinds, and the first refers to the blank bank of non-typing depositor data
Card media or general magnetic stripe blank card, the data of its typing is the account number of payee.It can only be used for omitting being manually entered receipts
The account number of money people, it is impossible to transferred accounts and withdrawn deposit.Refer to the double medium composite cards of existing chip+magnetic stripe, its chip for second
Record has the Account Profile of card owner, and it is while the functions such as drawing, account transfer are possessed, and another record has conventional payee's on its magnetic stripe
Account number, account can be extracted by automatic teller machine magnetic stripe reader, save the step of being manually entered payee's account number.
Including IC-card or magnetic stripe card or the double medium composite cards of magnetic stripe+IC.
IC media storages in the double medium composite cards of the magnetic stripe+IC have the information of ard issuers, the information of holder and card
Number, magnetic strip medium is stored with payee account information.
The IC-card is single-chip IC-card, has payee's account.
A kind of Data Enter device for carrying out Data Enter into account bank card to pre-recording described above, including by communicating mould
Keyboard, display screen and read write line that block carries out the master controller of information exchange with banking system and is connected with master controller, are used for
The Data Enter required for account bank card that user is pre-recorded is pre-recorded into account bank card, and can change, deletes or edit pre-
Information on typing account bank card.
It is a kind of to pre-record described above into the application method of account bank card, comprise the following steps:
S1. it will pre-record and insert automatic teller machine into account bank card, the automatic teller machine automatic identification card is pre- for spot assets business
Typing account bank card, the operating system of automatic teller machine extracts the account and service code pre-recorded into account bank card, and is sent to
Bank's master processor;
S2. bank's master processor sends whether the verification account is the information of active account to bank of deposit's processor, if being somebody's turn to do
Effectively, bank's master processor returns to account effective information to automatic teller machine to account, while showing the active account on a display screen
Latter two Chinese character of number and account name, user enters back into next step after confirming;If the account is invalid, bank's master processor
Account invalid information is returned to automatic teller machine, cause of invalidity is shown, and exits and pre-records into account bank card.
S3. when only one of which is stored in account on account bank card of pre-recording, teller machine (ATM) system is directly entered step S4;When
When having more than one deposit account on account of pre-recording bank card, shown on deposit interface through investigating as the pre- of active account
Latter two Chinese character of typing account and householder's name, depositor confirms deposit account by the display screen selection of automatic teller machine, then
Enter back into step S4
S4. automatic teller machine starts deposit procedure and opens deposit interface, and display screen display to be stored in account and name, now
Deposit slot is opened, and whether detection user is stored in cash, and presses acknowledgement key, if then entering counting program, be stored into account and
The information of number being stored in is shown in display screen, and enters next step;Otherwise prompting user is sent after the delay adjustmentses time
It is put into cash;
S5. whether detection user confirms deposit account and is stored in information of number, if being then stored into account and deposit number
Information is sent to bank of deposit's processor, and bank of deposit's processor is verified and by depositing after receiving deposit account and deposit information of number
Money, the account that success is stored in and deposit number are shown in the display screen of automatic teller machine;
S6. whether detection user carries out any operation again, if then carrying out corresponding operating procedure, otherwise delay adjustmentses
Time backed off after random is pre-recorded into account bank card.
It is preferred that, the step S1 also includes pre-recording inserts automatic teller machine into account bank card, and automatic teller machine recognizes that the card is
Spot assets business pre-record into account bank card or existing bank card set up the account transfer business that prestores pre-record into account silver
Row card;If spot assets business is pre-recorded into account bank card, then into step S2, if existing bank card sets up the account that prestores
Pre-recording into account bank card for family transferred account service, then carry out the following steps:
S1-1. the main password of automatic teller machine display screen display reminding input card, and detect whether user is defeated after the certain time that is delayed
Enter password, be that then whether checking password is correct, password correctly then enters next step, incorrect, sends and points out and exit card;
Otherwise delay certain time retreats card release;
S1-2. automatic teller machine display screen shows service selection menu, in addition to the service menu that existing bank card has, also sets up
Presetting account transfer business and presetting account spot assets business, user select to enter step during presetting transferred account service
S1-3, when user selects presetting account spot assets business, into step S3;
S1-3. automatic teller machine start to read have in account bank card of pre-recording be prestored into accounts information, and in display screen
Acknowledgement key is pressed after upper display, user's selection deposit account, display screen display input transfer amounts prompting, user passes through automatic teller machine
Input through keyboard transfer amounts, complete to press acknowledgement key after operation, if having enough deposits in the card account of user, are that then display turns
Account success, otherwise shows the prompting that Sorry, your ticket has not enough value;
S1-4. complete after transaction, display screen occur whether the prompting of continuous business, if user also needs to continue and blocked
Other accounts are traded, then press acknowledgement key and enter step S1-3, if user needs not continue to transaction, can press and exit
Key, which is exited, pre-records into account bank card.
Also include householder's account binding function, by binding householder's account, directly can be incited somebody to action by pre-recording into account bank card
In cash deposit householder's account.
A kind of application method of Data Enter device described above, by the reading into account bank card insertion Data Enter device of pre-recording
Write in device, accounts information is prestored into by keyboard typing and/or accounts information of transferring accounts in advance, and reviewed and validate by display screen defeated
Enter information, after confirmation is errorless, complete Data Enter, taking-up is pre-recorded into account bank card.
Compared with prior art, the invention has the advantages that:
The present invention provides one kind and pre-recorded into account bank card, Data Enter device and its application method so that bank-user exists
When carrying out deposit business or transferred account service on automatic teller machine, without manually inputting up to 19 bit digital account numbers, greatly shorten deposit
With the time of transfer operation, meanwhile, reduce the chance of user's error in operation, so as to alleviate the queuing phenomena before automatic teller machine,
While improving the operating efficiency of bank, can also bring new service income for bank, the card is also school, administrative unit,
Revenue department, the payment work of enterprises and institutions provide a new with no paper payment pattern, adapt to the development of fast pace society
Environmental protection is reliable again.
Embodiment
For the ease of it will be appreciated by those skilled in the art that being carried out below in conjunction with accompanying drawing and embodiment to the present invention further
It is described in detail.
One kind is pre-recorded into account bank card, Data Enter device and application method, forms a simply and easily automatic deposit
System so that user is being deposited or need not be manually entered the account of 19 during transferred account service, is quickly and easily deposited
Or transferred account service;Only need to be improved upgrading to teller machine services' system of bank, to depositing service system without bankbook without card,
Increase by one is replaced being manually entered payee's account number function by pre-recording into account bank card, skips the part deposited without card without bankbook
Program, is directly entered and deposits paper money interface, or prestores and account transfer business and prestore fund account industry in original bank card system increase
Business, meanwhile, simplify part operation program.
Wherein this is pre-recorded into account bank card using IC-card or magnetic stripe card or the double medium composite cards of magnetic stripe+IC, built-in business
Code, this is pre-recorded includes two types into account bank card, and can recognize that the card to pre-record into account bank by service code
The type of card, one of which only to there is spot assets business to pre-record into account bank card, the drawing that blocks without ordinary bank,
The authorities such as account transfer, compared with existing bank card, this is pre-recorded has money on deposit or transfer account information into account bank card internal memory, there is verification
Function is to recognize the card to pre-record into account bank card and investigating whether affiliated account is active account, but does not withdraw deposit, transfers accounts
And query function.
It is another to set up the pre-recording into account bank card of the account transfer business that prestores on the basis of existing bank card, deposit
Contain some groups of selective pre- accounts informations of transferring accounts;The service code can be previously written before hair fastener, can also be in record
Enter mandatory write-in during depositor's data, but the code can not be changed arbitrarily if being written into.In view of safety problem, every
Pre-record and be owned by an identification code into account bank card.
Pre- typing is often two kinds with its original cards of payee account number bank card people source, and the first is non-typing depositor data
Blank bank card or general magnetic stripe, chip blank card, by the account number and other data of input device typing payee, it can
To be extracted by automatic teller machine card reader so as to omit the account number step for being manually entered payee, it is impossible to transferred accounts and withdrawn deposit.Bank
Agency can provide this blank bank card with compensation and provide the gathering account number commonly used for typing.Second is to utilize user's hand
On the double medium bank cards of chip+magnetic stripe for holding, its chip record has the Account Profile of card owner, and it blocks possessing ordinary bank
The complete function such as drawing, account transfer while, another record has the account number of conventional payee on its magnetic stripe, account can by automatic teller machine and
Smart terminal card reader is extracted, and saves the step of being manually entered payee's account number.User can be by input device voluntarily to magnetic
The information that bar has is deleted, typing editor.Bank business point can also be in the double medium bank cards of distribution, in wanting for user
Ask down, in the magnetic strip medium the commonly used payee's account number typing blank of user.
As shown in figure 1, a kind of Data Enter device for carrying out Data Enter into account bank card to pre-recording, including pass through communication
Module carries out the master controller of information exchange with banking system, and connects and be controlled by the keyboard of master controller, touch display
Screen and read write line, required Data Enter is pre-recorded into account bank card during for depositing or transfer accounts user, and can be changed, be deleted
Remove or edit the information pre-recorded on account bank card.Can bank agency, set many Data Enter devices, the card can
Data required for being deposited with autonomous typing or by bank clerk on behalf of typing user, user will by the Data Enter device
Account, payee name, payee's unit, name of deposit and unit, deposit amount etc. are stored in, and is shown from touch display screen
Show to come, and do not limit inter-bank deposit.
User is stored in account, payee name, payee's unit, name of deposit and unit, deposit by input through keyboard
The information such as the amount of money, keyboard by these information transfers to master controller, master controller information is handled after by communication module
Banking system is sent to, banking system stores the typing information after being investigated to input information, and passes through communication module feedback
To master controller, above- mentioned information typing is inserted in the double media of IC-card or magnetic stripe card or magnetic stripe+IC in read write line by master controller
Composite card, and success typing information is shown in display screen.
As shown in Fig. 2,3,4,5, a kind of pre-record is recorded into the application method of account bank card and Data Enter device, including information
Enter and deposit step, depositor and payee information typing are pre-recorded into account bank card, typing information by Data Enter device
Pre-recording afterwards can complete deposit or transferred account service into account bank card by automatic teller machine or bank service sales counter.
Wherein, the application method of Data Enter device inserts Data Enter device for that will pre-record into account bank card, so as to connect
The read write line of Data Enter device, is stored in or is transferred to the information of account by keyboard typing, and passes through touch display screen inspection and true
Give up into information, acknowledgement key is pressed after confirmation is errorless, complete Data Enter, taking-up is pre-recorded into account bank card;
The application method into account bank card of wherein pre-recording comprises the following steps:
S1. it will pre-record and insert automatic teller machine into account bank card, automatic teller machine recognizes the pre- typing that the card is spot assets business
Account bank card A or existing bank cards set up the pre-recording into account bank card B of the account transfer business that prestores;If spot assets industry
Business is pre-recorded into account bank card, then the operating system of automatic teller machine extracted by card reader pre-record into account bank card account and
Service code, and be sent to after bank's master processor into step S2, if existing bank card sets up pre-recording for pre- transferred account service
Enter account bank card, then into step S1-1;
S2. the dependent module of bank's master processor, which starts to bank of deposit's processor, sends whether the verification account is effective account
The information at family, if the account is effectively, bank's master processor returns to account effective information to automatic teller machine, while showing on a display screen
The number of the active account and latter two Chinese character of account name, user enter back into next step after confirming;If the account is invalid,
Bank master processor returns to account invalid information to automatic teller machine, shows cause of invalidity, and exits and pre-record into account bank card.
S3. when only one of which is stored in account on account bank card of pre-recording, teller machine (ATM) system is directly entered step S4;When
When having more than one deposit account on account of pre-recording bank card, shown on deposit interface through investigating as the pre- of active account
Latter two Chinese character of typing account and householder's name, depositor confirms deposit account by the display screen selection of automatic teller machine, then
Enter back into step S4
S4. automatic teller machine starts deposit procedure and opens deposit interface, and shows deposit account and name, now deposits paper money mouthful and beats
Open, whether detection user is stored in cash, and presses acknowledgement key, if then entering counting program, is stored into account and deposit number
Information is shown in display screen, and enters step S5;Otherwise prompting user is sent after being delayed 15 seconds and is put into cash;
S5. whether detection user confirms deposit account and is stored in information of number, if being then stored into account and deposit number
Information is sent to bank of deposit's processor, and bank of deposit's processor is verified and by depositing after receiving deposit account and deposit information of number
Money, the account that success is stored in and deposit number are shown in the display screen of automatic teller machine;Otherwise prompting is sent after being delayed 15 seconds.
S6. whether detection user carries out any operation again, if then carrying out corresponding operating procedure, is otherwise delayed 15 seconds
Spue and pre-recorded into account bank card afterwards.
S1-1. automatic teller machine display screen display reminding input password, and be delayed 15 seconds after detection user whether input password,
It is that then whether checking password is correct, password correctly then enters next step, incorrect, sends and points out and exit card;Otherwise it is delayed
Retreat card release within 15 seconds;
S1-2. automatic teller machine display screen shows service selection menu, in addition to the service menu that existing bank card has, also sets up
Presetting account transfer business and presetting account spot assets business, user select to enter step during presetting transferred account service
S1-3, when user selects presetting account spot assets business, into step S3;
S1-3. automatic teller machine start to read have in account bank card of pre-recording be prestored into accounts information, and in display screen
Acknowledgement key is pressed after upper display, user's selection deposit account, display screen display input transfer amounts prompting, user passes through automatic teller machine
Input through keyboard transfer amounts, complete to press acknowledgement key after operation, automatic teller machine processing system comes into operation, carried out of card owner account
Take deposit to be transferred in the account of payee, if there are enough deposits in the card of user in account, show success of transferring accounts, otherwise
The display prompting that Sorry, your ticket has not enough value.
S1-4. complete after transaction, display screen occur whether the prompting of continuous business, if user also needs to continue and blocked
Other accounts are traded, then press acknowledgement key and enter step S1-3, if user needs not continue to transaction, can press and exit
Key, which is exited, pre-records into account bank card.
Conventional receiver information of the present invention is stored in the magnetic strip medium on card, and this is that user is voluntarily for convenience
Typing and modification data.Similarly, commonly use payee's account to be stored in single-chip bank card chip medium, by core
Piece card reader extracts account number and other data.Its technical scheme is identical with such scheme.
The deposit that can be used into account bank card, Data Enter device and its application method in general user of pre-recording of the present invention
Business, such as father and mother are stored in or are transferred to the cost of living to child, due to the deposit, the compatible inter-bank deposit of transferred account service, can pre-record
Enter the multiple gathering objects of typing in account bank card, such as the collecting account information of multiple children, as long as leading to when depositing or transferring accounts
Said procedure simple operations are crossed, without inputting 19 card numbers every time, are queued up without to bank service sales counter, without band
Notepad or other carriers with account number;Wherein only there is pre-recording for spot assets business can also bind family into account bank card
Main account, when needing deposit house lead in main account, pre-records into account bank card as long as directly inserting this on automatic teller machine, is not required to
Deposit business can be completed by inputting account password.The present invention simultaneously also for rent a house, rent shop tenants provide one newly
Pay charge way, new pay charge way is exactly that owner gives tenant the card for being built-in with owner's account number, is handed over by the tenant bank that controls oneself
Rent shop is rented.So that student pays the fees as an example, past way is class and name where paying in account number, paying in the amount of money, payee
All it is printed upon on paper, then student holds demand note and paid in the bank business point specified.Now with pre-recording into account bank
Card, the agency pre-recorded into account bank card to bank that student holds the payment data of typing goes, and is withheld by banking person
Expense oneself is paid dues to automatic teller machine is self-service.The card has account number, where paying in the amount of money, payee on class and name, card
Data can be shown on computers.When needing odd cash transfer, when being operated on automatic teller machine or intelligent terminal, first
Existing bank card is inserted, password is inputted, then sets up selection and automatically enter account payee and transfer amount menu, now bank
Card is exited, user by prompting insertion with account payee and the personality card of transfer amount, by card reader automatically extract account number and
Terminate ta vservice after transfer amount, confirmation.This method is used, electronics docking is realized and with no paper, has greatly reduced silver
The workload of row staff.The contemplated bank card of the present invention, in fact serves the important function of notepad, and user can be with
Through commonly used account number typing one or several sheets card, recalled again from terminating machine when using, greatly facilitated user.
For existing bank card user such as debit card and credit card user, the present invention also has the advantages that its is relative.
When card is main needs account's deposit cash in the card for oneself, card master need not take bank card again, as long as card master takes a record
The single medium magnetic stripe bank card for having card primary account number goes to save just can be with.Saved with this card, it may not be necessary to input password again, this
Sample can shorten the deposit time, meanwhile, holder need not live keyboard in face of other people with hand shelves prevents password from being peeped by people.Cause
It can only be used for depositing for this card, even the card, which is stolen card device and stolen, will not also cause the account's loss of oneself.
There are the demand for the expense of paying in some units such as school, enterprise and administrative institution, it is possible to use this to pre-record
Enter account bank card to facilitate subscriber payment.There are deposit account number, deposit amount, the name and unit of payer on card.User is only
Taking information desk can just complete to pay the business of tuition fee and administrative expense.In order to allow bank to strive for more incomes, bank
It can be advertised using card face.
It is the wherein specific implementation of the present invention above, it describes more specific and detailed, but can not therefore manage
Solve as the limitation to the scope of the claims of the present invention.It should be pointed out that for the person of ordinary skill of the art, not departing from
On the premise of present inventive concept, various modifications and improvements can be made, these obvious alternative forms belong to this hair
Bright protection domain.