CN104318433A - Automatic recharging method and system of citizen card - Google Patents
Automatic recharging method and system of citizen card Download PDFInfo
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- CN104318433A CN104318433A CN201410562778.1A CN201410562778A CN104318433A CN 104318433 A CN104318433 A CN 104318433A CN 201410562778 A CN201410562778 A CN 201410562778A CN 104318433 A CN104318433 A CN 104318433A
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- Prior art keywords
- payment platform
- citizen card
- user terminal
- card item
- money
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/349—Rechargeable cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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Abstract
The invention provides an automatic recharging method and an automatic recharging system of a citizen card. The automatic recharging system of the citizen card comprises a payment platform, a user terminal and a background system, and is used to perform automatic recharging treatment on the citizen card. The automatic recharging system of the citizen card is characterized in that the payment platform is used to recharge the citizen card, the user terminal is used to read the citizen card, and the background system is used for information interaction. The automatic recharging method of the citizen card includes that: S100, a user uses the payment platform to perform online recharging; S200, the user terminal collects citizen card information, and writes a recharge amount into the citizen card. The automatic recharging method and the automatic recharging system of the citizen card can achieve the purposes that the user personally recharges the citizen card on line and then writes the recharge amount into the citizen card through an outdoor common user terminal by combining a network recharging terminal with the outdoor common user terminal. Accordingly, the defects that the number of existing citizen card recharging branches is small, a recharging queue in front of each citizen card recharging branch is long, and office time is limited are eliminated, and the user can recharge the citizen card whenever and wherever possible.
Description
Technical field
The present invention relates to the information handling system based on computer network, supplement disposal system with money in particular for Citizen Card Item, relate to automatic charging method and the system of Citizen Card Item particularly.
Background technology
Along with society and expanding economy, in order to serve numerous citizen better, each city is all proposed oneself Citizen Card Item, Citizen Card Item is a kind of intelligent integrated circuit card, outer appearnce is similar to I.D., there is photo, name, identification card number, social security account, Unionpay's card number etc. information, there is chip in front, reverse side has magnetic stripe, be a composite card integrated social security card chip, mass transit card chip and bank's magnetic stripe and be integrated, Citizen Card Item has the basic functions such as information storage, information inquiry, transaction payment.Meanwhile, the Stored Value consumption account that Citizen Card Item account is is main carriers with Citizen Card Item (or social security card), is applicable to the special welfare of specific crowd, subsidizes the instrument of class funds release and management; Also the commercial consumption field of specifying is applicable to.Can personal identification number be established, can sign, can report the loss, but can not cash be extracted.But people in use find, supplementing with money of Citizen Card Item is very inconvenient, and it is few to supplement site with money, and supplement with money and often will stand in a long queue, the business hours are short, miss the business hours of recharge point, and the same day just can not supplement with money again.Therefore in the urgent need to setting up the system and method for a set of automatic value-charging, so not only reducing the operation cost of Citizen Card Item company but also facilitating vast Citizen Card Item user.
Summary of the invention
For defect of the prior art, the object of this invention is to provide a kind of automatic charging method and system of Citizen Card Item.
According to an aspect of the present invention, a kind of automatic charging method of Citizen Card Item is provided, comprise payment platform, user terminal and background system, for carrying out automatic value-charging process to described Citizen Card Item, described payment platform is used for supplementing with money Citizen Card Item, described user terminal is for reading Citizen Card Item, and described background system is used for information interaction; The method comprises: S100: user uses payment platform to carry out line is supplemented with money; And S200: user terminal gathers Citizen Card Item information, and is write in Citizen Card Item by recharge amount.
Preferably, described step S100 also comprises the steps: S110: log in payment platform; S120: submit the request of payment to; S130: complete and show recharging result.
Preferably, described step S120 also comprises the steps: S121: described payment platform sends charging request to described background system; S122: described background system judges and feeds back recharging result.
Preferably, described step S130 also one of comprises the steps: S131: if described background system is verified and fed back successful recharging, described payment platform display successful recharging; Or S132: supplement with money unsuccessfully if described background system is verified and fed back, described payment platform display is supplemented with money unsuccessfully.
Preferably, described step S200 also comprises the steps: S210: user terminal obtains Citizen Card Item information; S220: described user terminal sends charging request to described payment platform; S230: described payment platform carries out inner authentication; S240: described payment platform checking also feedback validation result; S250: the result that described user terminal feeds back according to described payment platform carries out amount of money write; S260: described payment platform more new balance information.
Preferably, described step S250 also one of comprises the steps: S251: if described payment platform is verified and fed back authentication success, described user terminal carries out amount of money write to Citizen Card Item; Or S252: if described payment platform is verified and fed back failed authentication, the described user terminal displays amount of money writes unsuccessfully.
Preferably, described step S260 also one of comprises the steps: S261: if the more new balance success of described payment platform, described user terminal displays successful recharging; S262: if the more new balance failure of described payment platform, described user terminal displays is supplemented with money unsuccessfully.
According to another aspect of the present invention, a kind of Citizen Card Item automated refill system is provided, comprises: a payment platform, for supplementing with money Citizen Card Item; One user terminal, for the information to Citizen Card Item, and writes recharge amount; One background system, for judging the charging request of Citizen Card Item and feeding back; Described payment platform is network payment platform, and described user terminal is be arranged on outdoor Public Subscriber terminal, and described background system is server terminal, and described payment platform, user terminal and background system carry out mutual transmission of information by signal and network.
Preferably, described payment platform also has the function of inner authentication, identifies for coordinating the true and false of user terminal to Citizen Card Item and feeds back to user terminal.
Preferably, user can log in payment platform by one or more instruments following: mobile phone, computer, intelligent television, Intelligent flat and Set Top Box.
The present invention combines with outdoor common user's terminal by being supplemented with money by network, can realize user oneself and supplement with money Citizen Card Item on the net, then goes outdoor common user's terminal to carry out the write of Citizen Card Item recharge amount.Like this, eliminating present Citizen Card Item, to supplement site with money few, and long and that the business hours are limited defect of queuing up, user can supplement with money whenever and wherever possible.
Accompanying drawing explanation
Fig. 1 is recharge procedure sketch on Citizen Card Item line;
Fig. 2 reads write amount of money general flow chart under Citizen Card Item line;
Fig. 3 is Citizen Card Item automatic value-charging process flow diagram;
Fig. 4 is recharge procedure figure on Citizen Card Item line;
Fig. 5 reads write amount of money process flow diagram under Citizen Card Item line.
Reference numeral
1 payment platform
2 user terminals
3 background systems
S100 ~ S262 step
Embodiment
Below by way of specific instantiation, embodiments of the present invention are described, those skilled in the art the content disclosed by this instructions can understand other advantages of the present invention and effect easily.The present invention can also be implemented or be applied by embodiments different in addition, and the every details in this instructions also can based on different viewpoints and application, carries out various modification or change not deviating under spirit of the present invention.
Refer to accompanying drawing.It should be noted that, the diagram provided in the present embodiment only illustrates basic conception of the present invention in a schematic way, then only the assembly relevant with the present invention is shown in graphic but not component count, shape and size when implementing according to reality is drawn, it is actual when implementing, and the kenel of each assembly, quantity and ratio can be a kind of change arbitrarily, and its assembly layout kenel also may be more complicated.
Fig. 1 illustrates according to one embodiment of the invention, recharge procedure sketch on Citizen Card Item line.In the embodiment for the treatment of method, describe the overall flow that the charging request corresponding to Citizen Card Item processes.At one particularly in preferred implementation of the present invention, user logins a payment platform 1, and described payment platform 1 can show the service of recharge procedure by operation interface to user.Described user can use the electronic tools such as mobile phone, computer, intelligent television, Intelligent flat or Set Top Box to login payment platform 1 according to the needs of oneself.Those skilled in the art are known, described electronic tool be only to provide one with the path of payment platform 1 UNICOM or medium, login the function of payment platform 1 described in any electronic tool that can be connected with payment platform 1 can realize, such change does not affect the essence of the present embodiment.Adopt electronic tool to log in the beneficial effect of payment platform to be, under the background of network today technology development, people can stay indoors a lot of electronic transaction more and more.Equally, by the recharge procedure of this technology for Citizen Card Item, user can be made in indoor, or complete supplementing with money of Citizen Card Item anywhere or anytime, eliminate the worry of queuing, save the time.Then send charging request by payment platform 1 to background system 3, described background system 3 feeds back recharging result information to complete whole recharge procedure to payment platform 1.
Shown in Fig. 2 is read write amount of money general flow chart under Citizen Card Item line, in this embodiment, user only need go to common user's terminal 2 Citizen Card Item inserted card slot or be placed on card induction region, and described user terminal 2 can complete the read work of Citizen Card Item.Meanwhile, described user terminal 2 sends charging request to described payment platform 1, and described payment platform 1 carries out inner authentication according to this charging request.After authentication success, the order that can supplement with money is sent to user terminal 2, the order that this user terminal 2 sends according to described payment platform 1 is supplemented with money Citizen Card Item, and successful for write instruction and request update instruction are sent to this payment platform 1, the instruction that last payment platform 1 is sent according to user terminal 2, upgrades the state of Citizen Card Item, and is updated successfully information to described user terminal 2 feedback, after user terminal 2 receives the information of being updated successfully, display successful recharging.User and retrieval Citizen Card Item.Such design, whole response process is very short, even if read the operation of the write amount of money under having a few individual to go to common user's terminal to carry out line simultaneously, due to the reading write amount of money operation very short situation that queue time can not be caused long consuming time of single Citizen Card Item.And general this common user's terminal is all within 24 hours, provide service to citizen, the ATM of similar bank, so user by manually supplementing the limited puzzlement of site business hours with money, can not read write amount of money business under handling line at any time.Described common user's terminal can be distributed in residential communities, bank, Public Transport Junction, large-scale bus station or convenience store of community etc. place, facilitates civic to use.
Shown in Fig. 3 is Citizen Card Item automatic value-charging process flow diagram.This process flow diagram is Integral Thought process flow diagram, and in brief, the present embodiment, mainly comprises two steps, and S100 user uses payment platform to carry out line being supplemented with money and S200 user terminal collection Citizen Card Item information, and is write in Citizen Card Item by recharge amount.That is, the present embodiment is by the advanced line of user is supplemented with money, then gathers Citizen Card Item information in conjunction with user terminal and the operation write in Citizen Card Item solves the problem of prior art by recharge amount.
Further, recharge procedure figure on the Citizen Card Item line shown in composition graphs 4.This process flow diagram is that in Fig. 3, step S100 user uses payment platform to carry out some refinement step that line is supplemented with money.Particularly, first perform step S110 in the present embodiment and log in payment platform.Described user uses and the electronic equipment of connecting Internet all can be connected to payment platform arbitrarily.The mode of described connection can be multiple, and user can select safest a kind of mode to carry out connection login according to the demand of oneself.In addition, if the new user used first, then this user just can log in after must carrying out new user's registration.
Then perform step S120 and submit the request of payment to.This step needs user on the interface of payment platform, input the information of oneself Citizen Card Item, and described information can be card number, identification card number, cell-phone number or other discernible titles.Particularly, the Citizen Card Item of oneself and account, when using registration first, just binds by user, and need carry out login like this can show individual Citizen Card Item information.On the interface of payment platform, input needs the amount of money of supplementing with money subsequently, then clicks and supplements with money, and the page will jump to Net silver or Third-party payment platform carries out on-line payment for user.User, after completing payment, performs payment platform described in step S121 and sends charging request to described background system, after described background system is verified this charging request, performs background system described in step S122 and judges and feed back recharging result.
Finally perform step S130: complete and show recharging result.Described payment platform carries out next step display according to the result that described background system feeds back.Particularly, described step S130 also one of comprises the steps: if the described background system of step S131 is verified and feeds back successful recharging, described payment platform display successful recharging.Or supplement with money unsuccessfully if the described background system of step S132 is verified and fed back, described payment platform display is supplemented with money unsuccessfully.Supplement with money unsuccessfully for payment platform display, preferably, can supplement the reason of failure with money in display interface display, or supplement the code of failure with money, user can find the reason of supplementing failure with money according to code, thus again supplements with money or contact relevant departments and seek help.The hommization more of such flow process, can improve the Experience Degree of user.
Further, write amount of money process flow diagram is read under the Citizen Card Item line shown in Fig. 3 composition graphs 5.This process flow diagram is that in Fig. 3, step S200 user terminal gathers Citizen Card Item information, and recharge amount is write some refinement step in Citizen Card Item.Particularly, first step S210 is performed in the present embodiment: user terminal obtains Citizen Card Item information.Described user terminal reads the information of the Citizen Card Item inserting card slot or be placed on card induction region, thus obtains some essential informations and the security code of user's Citizen Card Item.Then step S220 is performed: described user terminal sends charging request to described payment platform.It should be noted that this charging request has been supplementing with money of completing on line of user in fact.This charging request also can be understood as write request in fact, that is, ask payment platform consenting user terminal to the write of the Citizen Card Item amount of money.Perform step S230 subsequently: described payment platform carries out inner authentication.Described step S210 user terminal reads the information of Citizen Card Item, obtains corresponding information and security code, and the relevant information of Citizen Card Item and security code, while transmission charging request, are sent to described payment platform by described user terminal.Citizen Card Item information and security code are carried out inner authentication and certification by described payment platform.And perform step S240: described payment platform checking also feedback validation result; And step S250: the result that described user terminal feeds back according to described payment platform carries out amount of money write.Described step S250 also one of comprises the steps: S251: if described payment platform is verified and fed back authentication success, described user terminal carries out amount of money write to Citizen Card Item; Or S252: if described payment platform is verified and fed back failed authentication, the described user terminal displays amount of money writes unsuccessfully.If perform step S252, Citizen Card Item reads write flow process to be terminated, and user needs again to read or abandon write.For the failure of the user terminal displays write amount of money, preferably, can in the reason of display interface display write amount of money failure, or the code of write amount of money failure, user can find the reason of write amount of money failure according to code, thus again reads the operation of write or contact relevant departments seek help.If perform step S251, then perform step S260: described payment platform more new balance information.Described step S260 also one of comprises the steps: S261: if the more new balance success of described payment platform, described user terminal displays successful recharging; Or S262: if the more new balance failure of described payment platform, described user terminal displays is supplemented with money unsuccessfully.No matter perform step S261 or perform step S262, all cause whole Citizen Card Item to read write flow process and terminate.If perform step S261, user's Citizen Card Item successful recharging, user can continue normal use.If perform step S262, user needs again to read or abandon write.Amount of money failure is upgraded for user terminal displays, preferably, can in the reason of display interface display update amount of money failure, or upgrade the code of amount of money failure, user can find according to code the reason upgrading amount of money failure, thus again reads the operation of write or contact relevant departments seek help.
Described Citizen Card Item automated refill system is a kind of system coordinating Citizen Card Item automatic charging method to use, and comprising: a payment platform, for supplementing with money Citizen Card Item; One user terminal, for the information to Citizen Card Item, and writes recharge amount; One background system, for judging the charging request of Citizen Card Item and feeding back; Described payment platform is network payment platform, and described user terminal is be arranged on outdoor Public Subscriber terminal, and described background system is server terminal, and described payment platform, user terminal and background system carry out mutual transmission of information by signal and network.Preferably, described payment platform also has the function of inner authentication, identifies for coordinating the true and false of user terminal to Citizen Card Item and feeds back to user terminal.Particularly, described inner authentication is the process by carrying out authentication verification to the essential information of Citizen Card Item and security code.Still more preferably, user can log in payment platform by one or more instruments following: mobile phone, computer, intelligent television, Intelligent flat and Set Top Box.But those skilled in the art are known, be not limited to some electronic equipments of illustrating herein, connect payment platform as long as internet can be realized and complete the electronic equipment of supplementing with money.
Above-described embodiment exemplary illustration principle of the present invention and effect thereof, any person skilled in the art scholar all without prejudice under spirit of the present invention and category, can modify above-described embodiment or changes.Therefore, such as have in art usually know the knowledgeable do not depart from complete under disclosed spirit and technological thought all equivalence modify or change, must be contained by claim of the present invention.
Claims (10)
1. a Citizen Card Item automatic charging method, comprise payment platform, user terminal and background system, for carrying out automatic value-charging process to described Citizen Card Item, it is characterized in that: described payment platform is used for supplementing with money Citizen Card Item, described user terminal is for reading Citizen Card Item, and described background system is used for information interaction; The method comprises:
S100: user uses payment platform to carry out line is supplemented with money;
S200: user terminal gathers Citizen Card Item information, and is write in Citizen Card Item by recharge amount.
2. automatic charging method according to claim 1, is characterized in that, described step S100 also comprises the steps:
S110: log in payment platform;
S120: submit the request of payment to;
S130: complete and show recharging result.
3. automatic charging method according to claim 2, is characterized in that, described step S120 also comprises the steps:
S121: described payment platform sends charging request to described background system;
S122: described background system judges and feeds back recharging result.
4. automatic charging method according to claim 3, is characterized in that, described step S130 also one of comprises the steps:
S131: if described background system is verified and fed back successful recharging, described payment platform display successful recharging;
S132: supplement with money unsuccessfully if described background system is verified and fed back, described payment platform display is supplemented with money unsuccessfully.
5. automatic charging method according to claim 1, is characterized in that, described step S200 also comprises the steps:
S210: user terminal obtains Citizen Card Item information;
S220: described user terminal sends charging request to described payment platform;
S230: described payment platform carries out inner authentication;
S240: described payment platform checking also feedback validation result;
S250: described user terminal carries out amount of money write according to described payment platform feedback result;
S260: described payment platform more new balance information.
6. automatic charging method according to claim 6, is characterized in that, described step S250 also one of comprises the steps:
S251: if described payment platform is verified and fed back authentication success, described user terminal carries out amount of money write to Citizen Card Item;
S252: if described payment platform is verified and fed back failed authentication, the described user terminal displays amount of money writes unsuccessfully.
7. automatic charging method according to claim 6, is characterized in that, described step S260 also one of comprises the steps:
S261: if the more new balance success of described payment platform, described user terminal displays successful recharging;
S262: if the more new balance failure of described payment platform, described user terminal displays is supplemented with money unsuccessfully.
8. a Citizen Card Item automated refill system, is characterized in that, comprising:
One payment platform, for supplementing with money Citizen Card Item;
One user terminal, for the information to Citizen Card Item, and writes recharge amount;
One background system, for judging the charging request of Citizen Card Item and feeding back;
Described payment platform is network payment platform, and described user terminal is be arranged on outdoor Public Subscriber terminal, and described background system is server terminal, and described payment platform, user terminal and background system carry out mutual transmission of information by signal and network.
9. automated refill system according to claim 8, is characterized in that: described payment platform also has the function of inner authentication, identifies for coordinating the true and false of user terminal to Citizen Card Item and feeds back to user terminal.
10. automated refill system according to claim 8, is characterized in that, user can log in payment platform by one or more instruments following:
-mobile phone;
-computer;
-intelligent television;
-Intelligent flat;
-Set Top Box.
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CN105184565A (en) * | 2015-09-09 | 2015-12-23 | 建亿通(北京)数据处理信息有限公司 | Card business realizing method, business platform and system |
CN106096933A (en) * | 2016-06-06 | 2016-11-09 | 北京彩云动力教育科技有限公司 | A kind of campus card recharge method by all kinds of means |
CN109544822A (en) * | 2018-11-29 | 2019-03-29 | 四川商通实业有限公司 | A kind of IC card electronic cash self-recharging method and its system |
CN112085500A (en) * | 2020-08-21 | 2020-12-15 | 广州铁路职业技术学院(广州铁路机械学校) | A method and system for remote recharging of a travel card |
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Publication number | Priority date | Publication date | Assignee | Title |
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CN105184565A (en) * | 2015-09-09 | 2015-12-23 | 建亿通(北京)数据处理信息有限公司 | Card business realizing method, business platform and system |
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CN109544822A (en) * | 2018-11-29 | 2019-03-29 | 四川商通实业有限公司 | A kind of IC card electronic cash self-recharging method and its system |
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