CN103106533A - Universal integrated card, integrated card system and information management method thereof - Google Patents
Universal integrated card, integrated card system and information management method thereof Download PDFInfo
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Abstract
The invention discloses a universal integrated card, an integrated card system and an information management method of the integrated card system, and relates to the technical field of card identity management. Through the integrated card system, the universal integrated card and an integrated card server are used for all assembling functions of any existing cards, different card issuing mechanisms are permitted to continue to own respective consumer information systems according to practical situations, and therefore promotion resistance of the universal integrated card is reduced to the minimum degree, and safety of the universal integrated card is improved. Meanwhile, different card identification technologies can be integrated in the universal integrated card, and the universal integrated card can be suitable for different kinds of card readers, production cost of the universal integrated card is low, and the universal integrated card can be applied to any places needing cards in every walk of life.
Description
Technical field
The present invention relates to card identification administrative skill field, relate in particular to a kind of general-purpose integrated card, integrated card system and approaches to IM thereof.
Background technology
Along with the variation of consumer spending mode and the mode of thinking, the PVC card is widely used in the industries such as finance, retail, food and drink, amusement, brings great convenience to the consumer, and becomes gradually an indispensable part in people's life.According to the difference of the integrated identification carrier of card, the PVC card can be divided into a variety of, as the magnetic stripe card (bank card etc.) with magnetic stripe, and the integrated circuit card of microarray strip (IC-card etc.) and with (various accumulating cards, the stored value cards etc.) such as cards of graphic code.
These are stuck in and have given people and also brought simultaneously easily following problem:
1) along with the application scenario develop rapidly of PVC card, the kind that individual subscriber holds and quantity are in continuous increase, as dividing from large kind, bank card, transportation card, ID (identity number) card, attendance card, member card, discount card, accumulating card, medical insurance card, stored value card are arranged ..., spreading unchecked to the holder of card carried, taken care of and managing and brought great inconvenience;
2) along with the increasing of PVC card application, how some important card is carried out safety precaution, prevent illegal use, the safety problems such as legitimate rights and interests of protection holder and trade company make the unified management of card become very important;
3) mostly existing PVC card is disposable loading mode, and dynamic expansion and integration capability are poor, and there is significant limitation in the application of some foresight.
With regard to above-mentioned a certain class card, as bank card, such card IC magnetic stripes that adopt in conjunction with card, namely add the IC-card chip more on magnetic stripe card at present.The information that records on this class card can be identified and read to magnetic card reader and IC-card card reader.Such card is more in order to carry out safety upgrade for existing magnetic stripe card, and allows its compatible original card reader, but this technology in conjunction with card can not solve the problem that card spreads unchecked.
In order to merge card that different institutions provides or the card of difference in functionality, can adopt software mode to realize by an integrated several functions of card in prior art, multifunction card is exactly a solution (as the Q card) wherein.Make the same card possess several functions, can use this card in different businessmans and occasion.For example current Q card has received a lot of different businessmans to join, and the card holder can consume and obtain integration and discounting with the businessman that the Q card goes to have joined.This hair fastener company that is equivalent to the Q card gathers many businessmans and has formed together an aggregate, and has developed a total member and discounting system for this aggregate.But the cardholding consumer of multifunction card is the member of hair fastener company, is not to join the member alone of businessman.Like this, multi-functional card holder might not enjoy and join the such member's treatment of the own member of businessman, simultaneously, to join the interests that businessman brings limited because multifunction card is given, cause the strong businessman of joining generally can not sign long-term cooperation agreement with multifunction card hair fastener company, and the businessman that requires all hair fasteners is ready that all it is also unpractical that the member card system of oneself is joined a unique multifunction card system the inside, so the multifunction card of this pattern also can not reach the target that incorporates all cards.
In addition, develop the various multifunction card systems that are stuck in one such as a collection credit card, member card, force all businessmans and mechanism to be joined and abandon original system separately, the membership information of all card sending mechanism all belongs to this system, so also can reach the effect of multifunction card.But the multifunction card of this pattern, not only promoting has certain difficulty, and Security of the system also is difficult to guarantee, and after such integrated card was stolen and cracks, all information of user all can be exposed, so there is great potential safety hazard.
Summary of the invention
Technical matters to be solved by this invention is to provide a kind of convenient, general-purpose integrated card, integrated card system and approaches to IM thereof of effectively gathering, incorporating the variety classes card, can make businessman keep the consumer information system of oneself fully, reduce and promote resistance, simultaneously can guarantee Security of the system, realize the integrated card system that a kind of software and hardware combines.
For achieving the above object, the present invention is achieved through the following technical solutions:
A kind of general-purpose integrated card, described general-purpose integrated card is by the different carriers unique attribute information that registration card itself has that walks abreast, and the attribute information of described card can be by the reader identification of at least a and described Carrier-matching.
Further, described carrier comprises IC chip, magnetic stripe and graphic code.
The present invention discloses a kind of integrated card system, and described system comprises general-purpose integrated card, card reader, service electric terminal and integrated card server,
Described general-purpose integrated card is by the different carriers unique attribute information that registration card itself has that walks abreast, and binds from unique user account and with the data entries of different card sending mechanism corresponding to described user account;
Described card reader is used for identify and to read the attribute information of the card that described general-purpose integrated card records, and the attribute information of the described general-purpose integrated card that reads is transferred to the service electric terminal;
Described service electric terminal is used for the attribute information of the general-purpose integrated card that receives is resolved and the attribute information of the described general-purpose integrated card that receives and the attribute information of self are transferred to the integrated card server carrying out information matches;
Described integrated card server be used for will different card sending mechanism stored thereon data entries and general-purpose integrated card reach the general-purpose integrated card customer data base that stores self maintained after binding with user account corresponding to described general-purpose integrated card into, and inquire about according to the attribute information of the service electric terminal that receives and the attribute information of general-purpose integrated card the general-purpose integrated card customer data base of himself safeguarding, filter out the attribute information of the particular card corresponding with described service electric terminal.
Further, unique attribute information that described general-purpose integrated card has as the parallel registration card of carrier itself by IC chip, magnetic stripe and graphic code, described general-purpose integrated card can be by IC-card card reader, magnetic card card reader or graphic code reader identification.
Further, described service electric terminal comprises Data Analysis unit and data interaction unit, described Data Analysis unit is used for the attribute information of the general-purpose integrated card that receives is resolved, and the attribute information of described general-purpose integrated card and the attribute information of described service electric terminal are transferred to the integrated card server; Attribute information according to the particular card corresponding with described service electric terminal of integrated card server feedback, card sending mechanism server or integrated card server find the card sending mechanism account with the attribute information coupling of described particular card from card holder's information database that himself is safeguarded, by described data interaction unit carrying out data interaction.
Further, described Data Analysis unit comprises by software or hardware mode and realizes the Data Analysis function; Wherein, software mode adopts the software service program to realize; Hardware mode realizes by the Data Analysis equipment that microprocessor and hardware support kit thereof form, and the data interaction unit of described Data Analysis equipment and described service electric terminal is connected.
Further, described integrated card server carries out information sifting in the general-purpose integrated card customer data base of himself safeguarding process comprises: first the attribute information according to the general-purpose integrated card finds corresponding user account from the general-purpose integrated card customer data base of integrated card server self maintained, attribute information according to the service electric terminal finds the data entries of the card sending mechanism of binding with described user account again, and then finds the attribute information of corresponding particular card; Whether described integrated card server keeps the card holder's information database of oneself according to the card sending mechanism under the zone bit information judgement service electric terminal of described card sending mechanism data entries, in this way, according to the attribute information of the particular card of integrated card server feedback, found with the card sending mechanism account of the attribute information coupling of described particular card by the card sending mechanism server from card holder's information database of himself safeguarding and carry out data interaction with the service electric terminal; As no, the integrated card server directly from by it for finding with the card sending mechanism account of described particular card attribute information coupling card holder's information database of setting up without the card sending mechanism of card holder's information database and carrying out data interaction with the service electric terminal.
Further, in the general-purpose integrated card customer data base of described integrated card server self maintained, comprise from the data entries of the different card sending mechanism of user account binding, the card sending mechanism data entries that comprises the attribute information of the card after card sending mechanism is once encrypted, the attribute information of the card after once encrypting in described card sending mechanism data entries is decrypted by card sending mechanism; Perhaps, the attribute information that comprises the card of once encrypting through card sending mechanism, then through the integrated card server, the card sending mechanism data entries under the attribute information of the card once encrypted is carried out superencipher, card sending mechanism data entries after described superencipher is decrypted by the key that solidifies in advance in the general-purpose integrated card, the attribute information of the card after obtaining once encrypting in the card sending mechanism data entries.
The present invention discloses the approaches to IM of a kind of integrated card system, and described method comprises,
S1: be registered as general-purpose integrated card user, described general-purpose integrated card is by the different carriers unique attribute information that registration card itself has that walks abreast, and binds from unique user account and with the data entries of different card sending mechanism corresponding to described user account;
S2: reader identification also reads the attribute information of the card of described general-purpose integrated card record, and the attribute information of the described general-purpose integrated card that reads is transferred to the service electric terminal;
S3: the service electric terminal is resolved the attribute information of the general-purpose integrated card that receives and the attribute information of the described general-purpose integrated card that receives and the attribute information of self is transferred to the integrated card server and carries out information matches;
S4: the integrated card server stores in the general-purpose integrated card customer data base of self maintained after binding with the data entries of different card sending mechanism stored thereon and general-purpose integrated card and with user account corresponding to described general-purpose integrated card, and inquire about according to the attribute information of the service electric terminal that receives and the attribute information of general-purpose integrated card the general-purpose integrated card customer data base of himself safeguarding, filter out the attribute information of the particular card corresponding with described service electric terminal.
Further, described step S4 further comprises, described integrated card server carries out information sifting in the general-purpose integrated card customer data base of himself safeguarding process comprises: first the attribute information according to the general-purpose integrated card finds corresponding user account from the general-purpose integrated card customer data base of integrated card server self maintained, attribute information according to the service electric terminal finds the data entries of the card sending mechanism of binding with described user account again, and then finds the attribute information of corresponding particular card; Whether described integrated card server keeps the card holder's information database of oneself according to the card sending mechanism under the zone bit information judgement service electric terminal of described card sending mechanism data entries, in this way, according to the attribute information of the particular card of integrated card server feedback, found with the card sending mechanism account of the attribute information coupling of described particular card by the card sending mechanism server from card holder's information database of himself safeguarding and carry out data interaction with the service electric terminal; As no, the integrated card server directly from by it for finding with the card sending mechanism account of described particular card attribute information coupling card holder's information database of setting up without the card sending mechanism of card holder's information database and carrying out data interaction with the service electric terminal.
Adopt technical scheme of the present invention, utilize general-purpose integrated card and integrated card server all to gather the function of any existing card, and can allow different card sending mechanism to continue to have the consumer information management system of oneself according to actual conditions, the popularization resistance of general-purpose integrated card is dropped to minimum, improved its security; Simultaneously, described general-purpose integrated card can integrated different card identification card technology, can be applicable to different types of card reader, and described general-purpose integrated card production cost is relatively cheap, can be applied to all trades and professions any places that needs with card.
Description of drawings
Fig. 1 is the structural representation of the general-purpose integrated card of the embodiment of the present invention;
Fig. 2 is the integrated card system architecture diagram of the embodiment of the present invention;
Fig. 3 is the schematic diagram of the integrated card server database of the embodiment of the present invention;
Fig. 4 is the approaches to IM process flow diagram of the integrated card system of the embodiment of the present invention;
The approaches to IM schematic diagram of Fig. 5 provides for the specific embodiment of the invention one integrated card system;
The approaches to IM schematic diagram of Fig. 6 provides for the specific embodiment of the invention two integrated card system.
Embodiment
The invention will be further described below in conjunction with drawings and Examples.
Fig. 1 is the structural representation of the general-purpose integrated card of the embodiment of the present invention.As shown in Figure 1, described general-purpose integrated card by get stuck 1, magnetic stripe 2, IC chip 3, graphic code district 4, block, Cavan 5 form, magnetic stripe 2 is positioned at 1 bottom of getting stuck, IC chip 3 is integrated in the inside of getting stuck, magnetic stripe 2 tops are block, Cavan 5,5 tops, block, Cavan are IC chip 3, and IC chip 3 right sides are provided with graphic code district 4.Here the layout for each ingredient of general-purpose integrated card does not have strict restriction.Described general-purpose integrated card includes but are not limited to by IC chip, magnetic stripe and the graphic code attribute information as carrier and the unique card of line item, namely can be on the general-purpose integrated card integrated different card recognition technology, every kind of recognition technology has different carriers, as graphic code.Graphic code as a kind of carrier, can be the visual storage figures such as one dimension code, two-dimension code or multidimensional code.The integrated identification carrier of general-purpose integrated card can be selected according to actual conditions, its key is the standardization of data, so, technical solution of the present invention is by different carriers, each card to be accomplished to identify with an independent account with uniqueness, can not overlap, to be applicable to other (future) main flow card reader, also can eliminate out-of-date technology simultaneously.
Described general-purpose integrated card can be adapted to most main flow card reader, does not need businessman to upgrade hardware device.Described main flow card reader such as magnetic stripe card reader, all kinds of graphic code card reader, IC-card card reader etc.Holder's relevant information can be added in the block, Cavan of described integrated card according to the situation of subsequent registration card, as holder name, photo etc.The attribute information of described general-purpose integrated card comprises the information that card self is intrinsic, and as the type of card number, card, the term of validity etc., the general-purpose integrated card may also record manufacturer, produce sequence number etc. in addition.Attribute information for the general-purpose integrated card can selectively read by card reader, such as card number, no matter by which class card reader reads, and this information is required attribute information, can not read for non necessary attribute information such as manufacturers.For the different carriers type of general-purpose integrated card, what of the attribute information of the card that records may be different, and as IC-card, because the IC-card storage space is large, it can suitably be stored the attribute information of swiping the card or the attribute information of card is encrypted etc.Described general-purpose integrated card is by the different carriers unique attribute information that registration card itself has that walks abreast.Each Zhang Wanyong integrated card is corresponding to unique user data account in the integrated card server database, described user data account has been stored this user and has been had and bound the data entries of good all kinds of card sending mechanism, the data entries of described card sending mechanism records some essential informations of the card of its granting, as card number, card sending mechanism title etc., but described user data account is not stored the account information of the granting card of detailed card sending mechanism, as consumption information, integration situation etc.; And described database does not copy card sending mechanism own member or consumer information database.The card holder can bind the attribute information of other all kinds of cards by network or card sending mechanism service network.
Fig. 2 is the integrated card system architecture diagram of the embodiment of the present invention.As shown in Figure 2, (a) be the structured flowchart of integrated card system, described system comprises general-purpose integrated card 201, card reader 202, service electric terminal 203 and integrated card server 204, wherein, described general-purpose integrated card 201 is by walk abreast unique attribute information that registration card itself has and binding from unique user account and with the data entries of different card sending mechanism corresponding to described user account of different carriers; Described card reader 202 comprises polytype card reader, attribute information for the card of identifying and read described general-purpose integrated card record, and the attribute information of the described general-purpose integrated card that reads is transferred to the service electric terminal, each service electric terminal has at least one card reader to be connected with it; Described service electric terminal 203 is used for the attribute information of the general-purpose integrated card that receives is resolved and the attribute information of the described general-purpose integrated card that receives and the attribute information of self are transferred to the integrated card server carrying out information matches; Described integrated card server 204 be used for will card sending mechanism stored thereon data entries and general-purpose integrated card reach the general-purpose integrated card customer data base that stores self maintained after binding with user account corresponding to described general-purpose integrated card into, and inquire about according to the attribute information of the service electric terminal that receives and the attribute information of general-purpose integrated card the general-purpose integrated card customer data base of himself safeguarding, filter out the attribute information of the particular card corresponding with described service electric terminal.
Wherein, described integrated card server carries out information sifting in the general-purpose integrated card customer data base of himself safeguarding process comprises: first the attribute information according to the general-purpose integrated card finds corresponding user account from the general-purpose integrated card customer data base of integrated card server self maintained, attribute information according to the service electric terminal finds the data entries of the card sending mechanism of binding with described user account again, and then finds the attribute information of corresponding particular card; Whether described integrated card server keeps the card holder's information database of oneself according to the card sending mechanism under the zone bit information judgement service electric terminal of described card sending mechanism data entries, in this way, according to the attribute information of the particular card of integrated card server feedback, found with the card sending mechanism account of the attribute information coupling of described particular card by corresponding card sending mechanism server from card holder's information database of himself safeguarding and carry out data interaction with the service electric terminal; As no, the integrated card server is directly from by finding with the card sending mechanism account of described particular card attribute information coupling its card holder's information database of setting up without the card sending mechanism of card holder's information database for this and to carry out data mutual.
(b) be the structured flowchart of service electric terminal, described integrated card system comprises the service electric terminal of a plurality of card sending mechanism, and each service electric terminal has supporting one or more card reader to be connected with it.Described service electric terminal 203 comprises Data Analysis unit 2031 and data interaction unit 2032, described Data Analysis unit 2031 is used for the attribute information of the general-purpose integrated card that receives is resolved, and the attribute information of described general-purpose integrated card and the attribute information of described service electric terminal are transferred to the integrated card server; Attribute information according to the particular card corresponding with described service electric terminal of integrated card server feedback, card sending mechanism server or integrated card server find the card sending mechanism account with the attribute information coupling of described particular card from card holder's information database that himself is safeguarded, by described data interaction unit carrying out data interaction.
Described Data Analysis unit 2031 comprises by software or hardware mode realizes the Data Analysis function; Wherein, software mode adopts the software service program to realize; Hardware mode realizes by the Data Analysis equipment that microprocessor and hardware support kit thereof form, and the data interaction unit of described Data Analysis equipment and described service electric terminal is connected.
Described service electric terminal 203 comprises the electric terminals such as the terminal computer of each card sending mechanism or Unionpay's server, POS terminal.
In the general-purpose integrated card customer data base of described integrated card server self maintained, comprise from the data entries of the different card sending mechanism of user account binding, the card sending mechanism data entries that comprises the attribute information of the card after card sending mechanism is once encrypted, the attribute information of the card after once encrypting in described card sending mechanism data entries is decrypted by card sending mechanism; Perhaps, comprise the attribute information through an encrypted card of card sending mechanism, then through the integrated card server, the card sending mechanism data entries under the attribute information of the card once encrypted is carried out superencipher, card sending mechanism data entries after described superencipher is decrypted by the key that solidifies in advance in the general-purpose integrated card, the attribute information of the card after obtaining once encrypting in the card sending mechanism data entries.
If a general-purpose integrated card is stolen and is cracked, the attribute information of the base attribute information such as the card number of the member card of the just card sending mechanism of integrated card system the inside storage or bank card and so on or the card encrypted, system does not copy the own card holder's information database of card sending mechanism due to integrated card, has indirectly guaranteed the integrated card Security of the system.
Fig. 3 is the schematic diagram of the integrated card server general-purpose integrated card customer data base of the embodiment of the present invention.As shown in Figure 3, the general-purpose integrated card subscriber database stores of integrated card server has unique user account of binding from the attribute information of general-purpose integrated card to reach the data entries of the different card sending mechanism of binding with described user account, and described database self is safeguarded by the integrated card server.What usually safeguard in database is the binding information entry of many general-purpose integrated cards.Describe as an example of a general-purpose integrated card example in the present embodiment.user account 1 is bound with 1 general-purpose integrated card with uniqueness, described user account 1 also respectively with supermarket 1 data entries, supermarket 2 data entries, restaurant 1 data entries and restaurant 2 data entries are bound, wherein, each card sending mechanism data entries all comprises attribute information and the zone bit information of providing card, point to by the zone bit data character of card sending mechanism is carried out mark, attribute information as the particular card that finds from general-purpose integrated card customer data base is the attribute information that card is provided in restaurant 1, be that data are pointed to blank by the zone bit in the card sending mechanism data entries " NULL ", judge restaurant 1 and safeguard own card holder's information database, the integrated card server feeds back to the service electric terminal with the attribute information of the particular card that filters out, the service electric terminal sends the attribute information of the particular card that receives to the card sending mechanism server, attribute information according to the particular card of described integrated card server feedback, found with the card sending mechanism account of the attribute information coupling of described particular card by the card sending mechanism server from card holder's information database that himself is safeguarded and carry out data interaction with the service electric terminal, attribute information as the particular card that finds from general-purpose integrated card customer data base is the attribute information that card is provided in supermarket 2, non-NULL data by the zone bit in the card sending mechanism data entries are pointed to, judging supermarket 2 does not have the card holder's information database of oneself, point to according to described zone bit data, the integrated card server is directly from by finding with the card sending mechanism account of described particular card attribute information coupling and carry out data interaction with the service electric terminal its card holder's information database of setting up without the card sending mechanism of card holder's information database for this.
Fig. 4 is the approaches to IM process flow diagram of the integrated card system of the embodiment of the present invention.As shown in Figure 4, its approaches to IM comprises the steps:
S1: be registered as general-purpose integrated card user, described general-purpose integrated card is by the different carriers unique attribute information that registration card itself has that walks abreast, and binds from unique user account and with the data entries of different card sending mechanism corresponding to described user account;
The integrated card user needs first, and registration obtains a general-purpose integrated card.the user can apply for getting by login general-purpose integrated card official website, or purchase a little to fill in a form at the neck of appointment and get, each Zhang Wanyong integrated card is by the different carriers unique attribute information that registration card itself has that walks abreast, as card number, the type of card, the information such as the term of validity, described integrated card and the binding of unique user account, the user bundlees the data entries of other all kinds of card card sending mechanism that its user account has by website or card sending mechanism service point, described card sending mechanism data entries comprises the attribute information of providing card and the zone bit information that identifies card sending mechanism character.The attribute information of the attribute information of described general-purpose integrated card and other card sending mechanism granting cards is conflict not.
S2: reader identification also reads the attribute information of the card of described general-purpose integrated card record, and the attribute information of the described general-purpose integrated card that reads is transferred to the service electric terminal;
S3: the service electric terminal is resolved the attribute information of the general-purpose integrated card that receives and the attribute information of the described general-purpose integrated card that receives and the attribute information of self is transferred to the integrated card server and carries out information matches;
Wherein, described service electric terminal comprises Data Analysis unit and data interaction unit, described Data Analysis unit is used for the attribute information of the general-purpose integrated card that receives is resolved, and the attribute information of described general-purpose integrated card and the attribute information of described service electric terminal are transferred to the integrated card server; Attribute information according to the particular card corresponding with described service electric terminal of integrated card server feedback, card sending mechanism server or integrated card server find the card sending mechanism account with the attribute information coupling of described particular card from card holder's information database that himself is safeguarded, by described data interaction unit carrying out data interaction.
Described Data Analysis unit comprises by software or hardware mode realizes the Data Analysis function; Wherein, software mode adopts the software service program to realize; Hardware mode realizes by the Data Analysis equipment that microprocessor and hardware support kit thereof form, and the data interaction unit of described Data Analysis equipment and described service electric terminal is connected.
Described service electric terminal comprises the terminal computer of each card sending mechanism or Unionpay's server, POS electric terminal etc., by the integrated card software service program on described service electric terminal, attribute information to the general-purpose integrated card that receives is resolved, and the attribute information of described general-purpose integrated card and the attribute information of service electric terminal are transferred to the integrated card server; Perhaps, can realize Data Analysis by the Data Analysis equipment that microprocessor and hardware support kit thereof form, the terminal computer of described Data Analysis equipment and each card sending mechanism or Unionpay's server, POS electric terminal are connected.In theory, integrated card software service program can be arranged on any one electric terminal.
S4: the integrated card server stores in the general-purpose integrated card customer data base of self maintained after binding with the data entries of different card sending mechanism stored thereon and general-purpose integrated card and with user account corresponding to described general-purpose integrated card, and inquire about according to the attribute information of the service electric terminal that receives and the attribute information of general-purpose integrated card the general-purpose integrated card customer data base of himself safeguarding, filter out the attribute information of the particular card corresponding with described service electric terminal.
In the general-purpose integrated card customer data base of described integrated card server self maintained, comprise from the data entries of the different card sending mechanism of user account binding, the card sending mechanism data entries that comprises the attribute information of the card after card sending mechanism is once encrypted, the card after once encrypting in described card sending mechanism data entries is that attribute information is decrypted by card sending mechanism; Perhaps, comprise the attribute information through an encrypted card of card sending mechanism, then through the integrated card server, the card sending mechanism data entries under the attribute information of the card once encrypted is carried out superencipher, card sending mechanism data entries after described superencipher is decrypted by the key that solidifies in advance in the general-purpose integrated card, the attribute information of the card after obtaining once encrypting in the card sending mechanism data entries.
described integrated card server carries out information sifting in the general-purpose integrated card customer data base of himself safeguarding process comprises: first the attribute information according to the general-purpose integrated card finds corresponding user account from the database of integrated card server self maintained, find again the data entries of the card sending mechanism of binding with described user account according to the attribute information of service electric terminal, and then find the attribute information of corresponding particular card, attribute information according to described that filter out and the particular card that described service electric terminal is corresponding, card sending mechanism server or integrated card server find the card sending mechanism account with the attribute information coupling of described particular card from card holder's information database that himself is safeguarded, data interaction unit by the service electric terminal carries out data interaction.
Wherein, whether the integrated card server keeps the card holder's information database of oneself according to the card sending mechanism under the zone bit information judgement service electric terminal of described card sending mechanism data entries, in this way, according to the attribute information of the particular card of integrated card server feedback, found with the card sending mechanism account of the attribute information coupling of described particular card by the card sending mechanism server from card holder's information database of himself safeguarding and carry out data interaction with the service electric terminal; As no, the integrated card server is directly from by finding with the card sending mechanism account of described particular card attribute information coupling and carry out data interaction with the service electric terminal its card holder's information database of setting up without the card sending mechanism of card holder's information database for this.
In conjunction with the described approaches to IM of Fig. 4, the below describes as an example of a certain service electric terminal example:
The approaches to IM schematic diagram of Fig. 5 provides for the specific embodiment of the invention one integrated card system.As shown in Figure 5, when working under this kind pattern, card sending mechanism has had the member of oneself or card holder's information database and wanting to continue to keep its own card holder's information database.Take the software implementation pattern as example: in described integrated card system, general-purpose integrated card software service program is installed on each service electric terminal, described service electric terminal can be in the server of the terminal computer of card sending mechanism or Unionpay, POS terminal etc.
The user can apply for getting by login general-purpose integrated card official website, or purchase a little to fill in a form at the neck of appointment and get the general-purpose integrated card, recorded the attribute information of unique general-purpose integrated card in each Zhang Wanyong integrated card, the data entries of the card sending mechanism of other all kinds of cards that the user account of user by the binding of website or card sending mechanism service point and described general-purpose integrated card binding has.
Owing to being integrated with different identification card technology on the general-purpose integrated card, can and read by the reader identification of any main flow.
Integrated card system information processing procedure is as follows:
A1: the user swipes the card on all kinds of card reader of the service electric terminal that general-purpose integrated card service routine has been installed.Card reader sends the attribute information of the card of general-purpose integrated card record (as the type of card number, card, the term of validity etc.) information to general-purpose integrated card service routine.
B1. general-purpose integrated card service routine can receive the information format that different card reader is transmitted into, to the attribute information of the general-purpose integrated card that receives resolve and with the attribute information of brush general-purpose integrated card and a little the attribute informations such as title of swiping the card by internet transmission to far-end general-purpose integrated card server;
C1. general-purpose integrated card server according to receive swipe the card a little attribute information and the general-purpose integrated card customer data base of himself maintenance of the attribute information of general-purpose integrated card inquiry.First the attribute information according to the general-purpose integrated card finds corresponding user account from the general-purpose integrated card customer data base of integrated card server self maintained, find the data entries of the card sending mechanism of binding with described user account according to the attribute information of swiping the card a little again, and then find the attribute information of corresponding particular card; The integrated card server is judged card sending mechanism under swiping the card a little according to the zone bit information of described card sending mechanism data entries and is kept the card holder's information database of oneself, according to the attribute information of the particular card of integrated card server feedback, found with the card sending mechanism account of the attribute information coupling of described particular card by the card sending mechanism server from card holder's information database of himself safeguarding and carry out data interaction with the service electric terminal.
The corresponding account of the attribute information of each integrated card.Storing the attribute information (as the type of card number, card, businessman's title, the term of validity etc.) of other cards such as other member cards that the card holder bound, bank card in account, these attribute informations that are stored in all kinds of cards on the integrated card server have carried out once encrypting or have carried out twice encryption through card sending mechanism and the integrated card server of correspondence through the card sending mechanism of correspondence.The integrated card service routine on the service electric terminal is given in the attribute information of the card that card sending mechanism information that will be corresponding with described service electric terminal in the card sending mechanism data entries that the integrated card server is stored from general-purpose integrated card customer data base and their provide (as the type of card number, card, the term of validity etc.) loopback.The integrated card server is also judged the card sending mechanism of service under electric terminal according to the zone bit information of described card sending mechanism data entries and is kept the card holder's information database of oneself.If bound the card of this card sending mechanism before the card holder, just general-purpose integrated card server has successfully found the attribute information of the card that is applicable to this service electric terminal this moment.According to the attribute information of the described card that filters out, found with the card sending mechanism account of the attribute information coupling of described particular card by the card sending mechanism server from card holder's information database that himself is safeguarded and carry out data interaction with the service electric terminal.
As: the card holder swipes the card in Wal-Mart, and the integrated card server receives the information such as card holder's the attribute information of general-purpose integrated card and a title-Wal-Mart that swipes the card.If this card holder has bound Wal-Mart's member card, just the attribute information of integrated card server this member card of lockable this moment judges according to the zone bit information of Wal-Mart's data entries card holder's information database that Wal-Mart safeguards oneself.General-purpose integrated card server returns to general-purpose integrated card service routine on terminal to the attribute information of described Wal-Mart member card, according to the attribute information of the described Wal-Mart member card of integrated card server feedback, found from card holder's information database of himself safeguarding by Wal-Mart's server with Wal-Mart's member account of the attribute information coupling of described Wal-Mart member card and with the Wal-Mart electric terminal of swiping the card and carry out data interaction.If the card holder does not bind this a little corresponding card of swiping the card, for example the card holder wants that substituting China Merchants Bank's gold card with the general-purpose integrated card carries out bankcard consumption but not yet bound China Merchants Bank's gold card, and general-purpose integrated card server can return to error message also further by the user interface prompt on the service electric terminal.
General-purpose integrated card service routine does not change message transmission mode and the information content of original member or consumer information system and service electric terminal, and general-purpose integrated card service routine is a transfer interface in the direct relation of original " the consumer information system of card reader-electric terminal-card sending mechanism " just.
Card sending mechanism to its attribute information of providing card in the situation that be not encrypted, the attribute information of the card that card holder's information database server of card sending mechanism is received, and though its format and content be send over after processing through general-purpose integrated card service routine or be directly all identical from processing without the integrated card system of obtaining of card reader.As card sending mechanism, its packets of information of providing card is encrypted, in such cases, the attribute information of this card of returning from general-purpose integrated card server feedback that general-purpose integrated card service routine is received is what to encrypt, and decrypting process can be completed in data interaction unit or card sending mechanism server.
if consumer brush is not general-purpose integrated card but card that businessman provides voluntarily, integrated card service routine resolution unit is not the general-purpose integrated card by the attribute information judgement of the card that card reader reads, the attribute information of the card that directly card reader read of described resolution unit sends to the data interaction unit, after the data interaction unit is issued the card sending mechanism database server to the attribute information of described card, found with the card sending mechanism account of the attribute information coupling of described card by described card sending mechanism server from card holder's information database that himself is safeguarded and carry out data interaction with the service electric terminal, and can not exert an influence for the integral body transmission of integrated card information in the present embodiment.
The approaches to IM schematic diagram of Fig. 6 provides for the specific embodiment of the invention two integrated card system.As shown in Figure 6, when working under this kind pattern, card sending mechanism does not have member or the card holder's information database of oneself, perhaps some card sending mechanism own card holder's information database of being unwilling to continue to keep.Take the software implementation pattern as example: in described integrated card system, general-purpose integrated card software service program is installed on each service electric terminal, described service electric terminal can be in the server of the terminal computer of card sending mechanism or Unionpay, POS terminal etc., described integrated card software service program comprises Data Analysis unit and data interaction unit, perhaps, described integrated card software service program comprises the Data Analysis unit and is connected with data interaction unit on existing card sending mechanism service electric terminal.
The user can apply for getting by login general-purpose integrated card official website, or purchase a little to fill in a form at the neck of appointment and get the general-purpose integrated card, recorded the attribute information of unique general-purpose integrated card in each Zhang Wanyong integrated card, the data entries of other all kinds of card card sending mechanism that the user account of user by the binding of website or card sending mechanism service point and described general-purpose integrated card binding has.
Owing to being integrated with different identification card technology on the general-purpose integrated card, can and read by the reader identification of any main flow.
Integrated card system information processing procedure is as follows:
A2: the user swipes the card on all kinds of card reader of the service electric terminal that general-purpose integrated card service routine has been installed.Card reader sends the attribute information of the card of general-purpose integrated card record (as the type of card number, card, the term of validity etc.) information to general-purpose integrated card service routine.
B2. general-purpose integrated card service routine can receive the information format that different card reader is transmitted into, to the attribute information of the general-purpose integrated card that receives resolve and with the attribute information of brush general-purpose integrated card and a little the attribute informations such as title of swiping the card by internet transmission to far-end general-purpose integrated card server;
C2. general-purpose integrated card server inquires about according to the attribute information of the service electric terminal that receives and the attribute information of general-purpose integrated card the general-purpose integrated card customer data base of himself safeguarding.First the attribute information according to the general-purpose integrated card finds corresponding user account from the general-purpose integrated card customer data base of integrated card server self maintained, attribute information according to the service electric terminal finds the data entries of the card sending mechanism of binding with described user account again, and then finds the attribute information of corresponding particular card; If bound the card of this card sending mechanism before the card holder, just general-purpose integrated card server has successfully found the attribute information of the card sending mechanism card that is applicable to described service electric terminal this moment; The integrated card server is judged the card sending mechanism of service under electric terminal according to the zone bit information of described card sending mechanism data entries does not have the card holder's information database of oneself, according to the attribute information of the particular card of integrated card server feedback and the zone bit information of described card sending mechanism data entries, the integrated card server is directly from by finding with the card sending mechanism account of described particular card attribute information coupling and carry out data interaction with the service electric terminal its card holder's information database of setting up without the card sending mechanism of card holder's information database for this.
The attribute information of each integrated card represents an account.Storing the attribute information (as the type of card number, card, businessman's title, the term of validity etc.) of other cards such as other member cards that the card holder inputted, bank card in account, these attribute informations (possibility) that are stored in all kinds of cards on the integrated card server corresponding card sending mechanism have carried out once encrypting or have carried out superencipher through card sending mechanism and the integrated card server of correspondence.The integrated card server is also judged the card sending mechanism of service under electric terminal according to the zone bit information of described card sending mechanism data entries does not have the card holder's information database of oneself.The integrated card server is directly from by finding with the card sending mechanism account of described particular card attribute information coupling and carry out data interaction with the service electric terminal its card holder's information database of setting up without the card sending mechanism of card holder's information database for this.
Technical scheme of the present invention can realize the function that single is swiped the card and repeatedly selected, and the account information of the card that be applicable to described service electric terminal different according to the actual conditions selection is carried out data interaction with card holder's information database of server, Unionpay's server or the integrated card server of service electric terminal at every turn.
At Wal-Mart's supermarket bankcard consumption, the integrated card package of service program is installed on terminal computer as general-purpose integrated card card holder.The card holder brushes the general-purpose integrated card on the member card card reader, attribute information and the name information a little etc. of swiping the card of the general-purpose integrated card that general-purpose integrated card server reads according to the member card card reader, first lock the attribute information of the member card of card holder's binding, then find account with the card sending mechanism of the attribute information coupling of described member card according to the attribute information of described member card by the server of service electric terminal or integrated card server from card holder's information database of self maintained, carry out data interaction with the service electric terminal.When carrying out data interaction, as need further carrying out the payment processes of fiscard, the integrated card service routine is pointed out to the consumer by user interface, after the consumer selects, the integrated card service routine is submitted request to the integrated card server, the integrated card server is found out all kinds of financial payment card article orders with described account binding in the general-purpose integrated card account of having found out before, and the title of these Payment Cards numbering is fed back to the service electric terminal, and then the consumer selects in these options again.This is a manual selection course.Chosen the card that will be used for paying, the electronic service terminal just feeds back to the integrated card server to this card numbering, the integrated card server feeds back to the attribute information of Selected Card again according to this numbering, then serve electric terminal the described card attribute information that receives is sent to corresponding with service device (as Unionpay's server), described server is found out corresponding account again and is carried out data interaction with the service electric terminal.If the user has only selected to cash without discount payment in part the amount of money with this card, whether the integrated card service routine on electric terminal can continue to put question to and continue to brush with another card so.Because the list that blocks has had, this can continue selection card the user, then electric terminal sends to the integrated card server to the card numbering of having selected again, the integrated card server feeds back to the attribute information of Selected Card again according to this numbering, then serve electric terminal the card attribute information is sent to corresponding with service device (Unionpay's server), this server is found out corresponding account again and is carried out data interaction with the service electric terminal and process the required amount of money that the consumer sets.In this process, the consumer can withdraw from any time the process that continues to select and pay with other card or cash.
In addition, also can rely on third party's payment platform to complete data interaction between business server and finance (Unionpay) server, like this, the justice of guaranteeing to conclude the business between business server and Unionpay's server, just is avoided dispute and swindle.
In technical scheme of the present invention, if a general-purpose integrated card is stolen and is cracked, the card number of just other member cards of integrated card system the inside storage or bank card and so on or the card information of encrypting.The integrated card system does not copy their database of having by oneself of most card sending mechanism, has indirectly guaranteed the integrated card Security of the system.
Adopt technical scheme of the present invention, utilize general-purpose integrated card and integrated card server all to gather the function of any existing card, and can allow different card sending mechanism to continue to have the consumer information system of oneself according to actual conditions, the resistance of promoting is dropped to minimum, improved its security; Simultaneously, described integrated card itself can be settled required different identification card technology, can be applicable to different types of card reader, and described integrated card production cost is relatively cheap, can be applied to the place that any needs of all trades and professions are used card.
Above-mentioned is only preferred embodiment of the present invention and institute's application technology principle, anyly is familiar with those skilled in the art in the technical scope that the present invention discloses, and the variation that can expect easily or replacement all should be encompassed in protection scope of the present invention.
Claims (10)
1. a general-purpose integrated card, is characterized in that, described general-purpose integrated card is by the different carriers unique attribute information that registration card itself has that walks abreast, and the attribute information of described card can be by the reader identification of at least a and described Carrier-matching.
2. general-purpose integrated card according to claim 1, is characterized in that, described carrier comprises IC chip, magnetic stripe and graphic code.
3. an integrated card system, is characterized in that, described system comprises general-purpose integrated card, card reader, service electric terminal and integrated card server,
Described general-purpose integrated card is by the different carriers unique attribute information that registration card itself has that walks abreast, and binds from unique user account and with the data entries of different card sending mechanism corresponding to described user account;
Described card reader is used for identify and to read the attribute information of the card that described general-purpose integrated card records, and the attribute information of the described general-purpose integrated card that reads is transferred to the service electric terminal;
Described service electric terminal is used for the attribute information of the general-purpose integrated card that receives is resolved and the attribute information of the described general-purpose integrated card that receives and the attribute information of self are transferred to the integrated card server carrying out information matches;
Described integrated card server be used for will different card sending mechanism stored thereon data entries and general-purpose integrated card reach the general-purpose integrated card customer data base that stores self maintained after binding with user account corresponding to described general-purpose integrated card into, and inquire about according to the attribute information of the service electric terminal that receives and the attribute information of general-purpose integrated card the general-purpose integrated card customer data base of himself safeguarding, filter out the attribute information of the particular card corresponding with described service electric terminal.
4. integrated card according to claim 3 system, it is characterized in that, unique attribute information that described general-purpose integrated card has as the parallel registration card of carrier itself by IC chip, magnetic stripe and graphic code, described general-purpose integrated card can be by IC-card card reader, magnetic card card reader or graphic code reader identification.
5. integrated card according to claim 3 system, it is characterized in that, described service electric terminal comprises Data Analysis unit and data interaction unit, described Data Analysis unit is used for the attribute information of the general-purpose integrated card that receives is resolved, and the attribute information of described general-purpose integrated card and the attribute information of described service electric terminal are transferred to the integrated card server; Attribute information according to the particular card corresponding with described service electric terminal of integrated card server feedback, card sending mechanism server or integrated card server find the card sending mechanism account with the attribute information coupling of described particular card from card holder's information database that himself is safeguarded, by described data interaction unit carrying out data interaction.
6. integrated card according to claim 5 system, is characterized in that, described Data Analysis unit comprises by software or hardware mode realizes the Data Analysis function; Wherein, software mode adopts the software service program to realize; Hardware mode realizes by the Data Analysis equipment that microprocessor and hardware support kit thereof form, and the data interaction unit of described Data Analysis equipment and described service electric terminal is connected.
7. integrated card according to claim 3 system, it is characterized in that, described integrated card server carries out information sifting in the general-purpose integrated card customer data base of himself safeguarding process comprises: first the attribute information according to the general-purpose integrated card finds corresponding user account from the general-purpose integrated card customer data base of integrated card server self maintained, attribute information according to the service electric terminal finds the data entries of the card sending mechanism of binding with described user account again, and then finds the attribute information of corresponding particular card; Whether described integrated card server keeps the card holder's information database of oneself according to the card sending mechanism under the zone bit information judgement service electric terminal of described card sending mechanism data entries, in this way, according to the attribute information of the particular card of integrated card server feedback, found with the card sending mechanism account of the attribute information coupling of described particular card by the card sending mechanism server from card holder's information database of himself safeguarding and carry out data interaction with the service electric terminal; As no, the integrated card server directly from by it for finding with the card sending mechanism account of described particular card attribute information coupling card holder's information database of setting up without the card sending mechanism of card holder's information database and carrying out data interaction with the service electric terminal.
8. integrated card according to claim 3 system, it is characterized in that, in the general-purpose integrated card customer data base of described integrated card server self maintained, comprise from the data entries of the different card sending mechanism of user account binding, the card sending mechanism data entries that comprises the attribute information of the card after card sending mechanism is once encrypted, the attribute information of the card after once encrypting in described card sending mechanism data entries is decrypted by card sending mechanism; Perhaps, the attribute information that comprises the card of once encrypting through card sending mechanism, then through the integrated card server, the card sending mechanism data entries under the attribute information of the card once encrypted is carried out superencipher, card sending mechanism data entries after described superencipher is decrypted by the key that solidifies in advance in the general-purpose integrated card, the attribute information of the card after obtaining once encrypting in the card sending mechanism data entries.
9. the approaches to IM of an integrated card system, described method comprise,
S1: be registered as general-purpose integrated card user, described general-purpose integrated card is by the different carriers unique attribute information that registration card itself has that walks abreast, and binds from unique user account and with the data entries of different card sending mechanism corresponding to described user account;
S2: reader identification also reads the attribute information of the card of described general-purpose integrated card record, and the attribute information of the described general-purpose integrated card that reads is transferred to the service electric terminal;
S3: the service electric terminal is resolved the attribute information of the general-purpose integrated card that receives and the attribute information of the described general-purpose integrated card that receives and the attribute information of self is transferred to the integrated card server and carries out information matches;
S4: the integrated card server stores in the general-purpose integrated card customer data base of self maintained after binding with the data entries of different card sending mechanism stored thereon and general-purpose integrated card and with user account corresponding to described general-purpose integrated card, and inquire about according to the attribute information of the service electric terminal that receives and the attribute information of general-purpose integrated card the general-purpose integrated card customer data base of himself safeguarding, filter out the attribute information of the particular card corresponding with described service electric terminal.
10. the approaches to IM of integrated card according to claim 9 system, it is characterized in that, described step S4 further comprises, described integrated card server carries out information sifting in the general-purpose integrated card customer data base of himself safeguarding process comprises: first the attribute information according to the general-purpose integrated card finds corresponding user account from the general-purpose integrated card customer data base of integrated card server self maintained, find again the data entries of the card sending mechanism of binding with described user account according to the attribute information of service electric terminal, and then find the attribute information of corresponding particular card, whether described integrated card server keeps the card holder's information database of oneself according to the card sending mechanism under the zone bit information judgement service electric terminal of described card sending mechanism data entries, in this way, according to the attribute information of the particular card of integrated card server feedback, found with the card sending mechanism account of the attribute information coupling of described particular card by the card sending mechanism server from card holder's information database of himself safeguarding and carry out data interaction with the service electric terminal, as no, the integrated card server directly from by it for finding with the card sending mechanism account of described particular card attribute information coupling card holder's information database of setting up without the card sending mechanism of card holder's information database and carrying out data interaction with the service electric terminal.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310027268.XA CN103106533B (en) | 2012-04-06 | 2013-01-22 | General-purpose integrated card, integrated card system and approaches to IM thereof |
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| CN2012100997783 | 2012-04-06 | ||
| CN2012100997783A CN102663460A (en) | 2012-04-06 | 2012-04-06 | Universal integrated card system and work method thereof |
| CN201310027268.XA CN103106533B (en) | 2012-04-06 | 2013-01-22 | General-purpose integrated card, integrated card system and approaches to IM thereof |
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| CN103106533B CN103106533B (en) | 2016-08-17 |
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| CN201310027268.XA Expired - Fee Related CN103106533B (en) | 2012-04-06 | 2013-01-22 | General-purpose integrated card, integrated card system and approaches to IM thereof |
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| CN2012100997783A Pending CN102663460A (en) | 2012-04-06 | 2012-04-06 | Universal integrated card system and work method thereof |
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| CN103559529A (en) * | 2013-11-05 | 2014-02-05 | 山东大学 | Novel membership card and working method thereof |
| CN105894076A (en) * | 2014-12-15 | 2016-08-24 | 璁镐赴 | Credible authentication interconnection and intercommunication PSAM card |
| CN109428965A (en) * | 2017-06-30 | 2019-03-05 | 北京橙鑫数据科技有限公司 | The method, apparatus and system of data communication |
| CN115358246A (en) * | 2022-10-24 | 2022-11-18 | 湖南会成科技有限公司 | Information interaction method and device, storage medium and processor |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107103466A (en) * | 2017-04-05 | 2017-08-29 | 合肥酷睿网络科技有限公司 | A kind of shopping payment system based on GPRS network |
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| CN109428965A (en) * | 2017-06-30 | 2019-03-05 | 北京橙鑫数据科技有限公司 | The method, apparatus and system of data communication |
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| CN115358246A (en) * | 2022-10-24 | 2022-11-18 | 湖南会成科技有限公司 | Information interaction method and device, storage medium and processor |
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Also Published As
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| CN103106533B (en) | 2016-08-17 |
| CN102663460A (en) | 2012-09-12 |
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