WO2018041090A1

WO2018041090A1 - Method and system for automatically recharging ic card

Info

Publication number: WO2018041090A1
Application number: PCT/CN2017/099422
Authority: WO
Inventors: 林立峰; 张楠
Original assignee: 北京握奇数据股份有限公司
Priority date: 2016-08-31
Filing date: 2017-08-29
Publication date: 2018-03-08
Also published as: CN106408294A

Abstract

The present invention relates to the field of IC card payment, and provides a method and system for automatically recharging an IC card. The method comprises: setting an automatic recharge associated account of an IC card, and storing associated information in a background clearing system of the IC card, the IC card having an overdraft function, and the automatic recharge associated account referring to a payment account in which an IC card user allows the background clearing system of the IC card to automatically settle overdraft consumption of the IC card; the IC card communicating with a card-reading consumption terminal to complete IC card payment; automatically pre-charging the IC card according to a set pre-charge amount when the balance in the IC card is less than a preset recharge threshold; and the background clearing system of the IC card completing automatic settlement in the automatic recharge associated account according to the number of times the IC card is automatically pre-charged and the set pre-charge amount. The method for automatically recharging an IC card provided by the present invention can greatly enhance a cardholder's IC card recharge and payment experience, and better comply with the current development trend of micropayment.

Description

IC card automatic recharge method and system

Technical field

The present invention relates to the field of IC card payment technologies, and in particular, to an IC card automatic refill method and system.

Background technique

Small-value payment, that is, the business of liquidation of funds for the payment processing of multiple payment services within a certain period of time. With the rapid development of IC card technology, more and more small payment cards appear in people's daily life, such as urban bus card, which can be used in many small payment scenarios such as public transportation, convenience stores, and taxis. For the city bus card, the card company is responsible for its issuance and management. After each card is activated, the card company will establish the background account of the card number. When the cardholder uses the card, the card needs to be recharged when the card holder holds When a card is used for a consumer transaction in a bus or supermarket, the cardholder will deduct the corresponding amount from the card's electronic wallet after swiping the card. At present, the card recharge method mainly includes the following:

Bus recharge card function: You can recharge cash or bank card at all the special recharge outlets of the bus card.

Subway card recharge function: you can recharge cash or bank card at all recharge outlets of the subway.

NFC mobile phone recharge: You can recharge your card by operating the relevant APP on your NFC phone.

Internet terminal recharge: The card can be recharged by operating on a card website by a card reader.

Usually, the cardholder does not perform a large recharge on the card due to fear of loss, and if the cardholder frequently uses the card for consumption, the cardholder needs to recharge the card frequently, and the above-mentioned recharges The methods are not very convenient, and the following problems exist:

(1) The recharge method is limited, the recharge outlets are small, and it takes a long time; the NFC mobile phone has a low market share due to compatibility and cost issues;

(2) The cardholder's experience is poor, especially when it happens that the card balance is insufficient, the card must be recharged before the card can be used, which causes inconvenience to the user under special circumstances;

(3) Ways to recharge the network or recharge the Internet terminal, you need to ensure the online environment, if the network Abnormal, it will cause inconvenience to the user, and is not suitable for large-scale recharge consumption scenarios;

(4) Many recharge outlets are agent outlets or affiliated with other operating companies. The cardholder pre-charge amount cannot be transferred to the card company's book in time, which has an impact on the normal operation of the card company.

Summary of the invention

In view of the deficiencies in the prior art, an object of the present invention is to provide an IC card automatic refilling method and system that can effectively improve the user's performance.

In order to achieve the above object, the technical solution adopted by the present invention is as follows:

An IC card automatic refilling method includes the following steps:

(1) setting an automatic refill account of the IC card, and storing the related information in the background clearing system of the IC card; the IC card has an overdraft function, and the automatic recharge associated account means that the IC card user allows the IC card to be cleared in the background. A payment account that automatically settles the overdraft consumption of the IC card by the system;

(2) The IC card communicates with the card reading consumer terminal to complete the payment of the IC card;

(3) The IC card master chip determines whether the balance in the IC card is less than a preset recharge threshold, and if so, automatically pre-charges the IC card according to the set pre-charge amount, and proceeds to step (4). No, no operation is performed;

(4) The IC card background clearing system completes the automatic settlement according to the automatic recharge associated account according to the number of times the IC card automatically pre-charges and the set pre-charge amount.

Further, as described above, an IC card automatic refilling method, the method further includes: before the IC card issuing center issues the IC card, determining, according to the credit level of the user's automatic refilling associated account, the overdraft of the user's IC card within the set time. Amount

Before the automatic pre-charging of the IC card, the method further includes: determining, according to the number of times the IC card automatically pre-charges and the set pre-charge amount, whether the amount of the automatic pre-charge value of the IC card in the set time is greater than the overdraft amount, If not, the automatic pre-charge value is performed, and if so, the automatic pre-charge value fails.

Further, as described above, an IC card automatic refilling method, the method further includes: in step (2), the IC card communicates with the card reading consumer terminal to complete the IC card payment, including:

1 IC card master chip determines whether the balance in the IC card is greater than or equal to the payment amount, and if so, the IC card payment, if not, then proceeds to step 2;

2 The IC card master chip determines whether the sum of the balance in the IC card and the preset pre-charge amount is greater than or equal to the payment amount, and if so, the IC card master chip automatically pre-charges the IC card according to the set pre-charge amount. The IC card payment is performed. If not, the card reading consumer terminal indicates that the IC card balance is insufficient, and the IC card payment fails.

Further, the method for automatically recharging an IC card as described above, the method further includes: determining, by the IC card issuing center, the upper limit of the pre-charged number of the IC card, and the number of times the automatic pre-charging of the IC card reaches the pre-charging value When the upper limit is used, the IC card recharge method is used to recharge the IC card, and the number of automatic pre-charge values in the IC card is cleared.

Further, in the IC card automatic refilling method as described above, the IC card background clearing system is a background clearing system of an IC card issuing center or a third party background clearing system authorized by an IC card issuing center.

Further, in the IC card automatic refilling method as described above, in step (4), the IC card background clearing system completes according to the number of times the IC card automatically pre-charges and the set pre-charge amount, according to the automatic refilling associated account. Automatic billing, including:

The IC card background clearing system receives the clearing message of the IC card uploaded by the card reading consumer terminal, and determines whether the IC card has an automatic pre-charging value according to the last settlement record and the clearing message of the IC card, and if so, according to the number of automatic pre-charging times and The set pre-charge amount generates an IC card refill transaction message, activates the automatic recharge associated account to perform the recharge deduction, and completes the settlement. If not, the IC card background settlement is directly performed according to the clearing message.

The invention also provides an IC card automatic refilling system, comprising an IC card, a card reading consumer terminal and an IC card background clearing system, the IC card comprising a main control chip and a communication module connected with the main control chip, the IC card The utility model has an overdraft function; the communication module is configured to communicate with the card reading consumer terminal; and the main control chip comprises:

The IC card payment module is configured to interact with the card reading consumer terminal to complete the IC card payment;

The pre-charge module is used to determine whether the balance in the IC card is less than the pre-payment after completing the payment of the IC card. The recharge threshold is set, and if so, the IC card is automatically pre-charged according to the set pre-charge amount; if not, no operation is performed;

The IC card background clearing system includes:

The pre-charge settlement module is configured to perform automatic settlement according to the number of automatic pre-charge values of the IC card and the set pre-charge amount according to the automatic recharge associated account.

Further, in an IC card automatic refill system as described above, the main control chip further includes:

The pre-charge amount determination module is configured to determine, according to the number of times the IC card automatically pre-charges and the set pre-charge amount, the automatic pre-charge value of the IC card in the set time before the pre-charge module automatically pre-charges the IC card. Whether the amount of the excess is greater than the overdraft amount, and if so, the pre-charging module automatically pre-charges the value;

The overdraft amount is an overdraft amount of the user's IC card within a set time determined by the IC card issuing center before the IC card is issued, according to the credit rating of the user's automatic refill account.

The pre-charging times judging module is configured to clear the number of automatic pre-charging times in the IC card after the IC card recharging method is performed by using the traditional IC card refilling method when the IC card automatic pre-charging times reaches the upper limit of the preset pre-charging times of the IC card. The upper limit of the number of pre-charges is determined by the IC card issuing center before the IC card.

Further, in an IC card automatic refill system as described above, the pre-charge settlement module includes:

The pre-charging judging unit is configured to receive the clearing message of the IC card uploaded by the card reading consumer terminal, and determine whether the IC card has an automatic pre-charging value according to the last settlement record and the clearing message of the IC card, and if yes, enter the pre-charge settlement module. If not, the IC card background settlement is directly performed according to the clearing message.

The invention has the beneficial effects that the method and system for automatically charging the IC card provided by the invention, the card holder does not need to perform the manual recharge operation or only needs to perform the online operation periodically, and the number of recharges at the network point and other existing methods. Greatly reduced, bringing a better experience to the customer, and the method and system do not need to make any modification to the card reading consumer terminal, and only need to simply modify the background clearing system to realize the solution, which greatly saves the cost.

DRAWINGS

1 is a structural block diagram of an IC card automatic refill system according to an embodiment of the present invention;

2 is a flow chart of an IC card automatic refilling method according to an embodiment of the present invention.

detailed description

The present invention will be further described in detail below in conjunction with the drawings and specific embodiments.

1 is a block diagram showing the structure of an IC card automatic refilling system provided in an embodiment of the present invention. As can be seen from the figure, the system includes an IC card 100, a card reading consumer terminal 200, and an IC card background clearing system 300. . The IC card 100 includes a main control chip 101 and a communication module 102 connected to the main control chip 101 for communicating with the card reading consumer terminal 200.

In this embodiment, the IC card 100 has an overdraft function, and the main control chip 101 includes:

The IC card payment module 1011 is configured to interact with the card reading consumer terminal to complete the IC card payment;

The pre-charging module 1012 is configured to determine, after completing the payment of the IC card, whether the balance in the IC card is less than a preset recharge threshold, and if so, automatically pre-charging the IC card 100 according to the set pre-charge amount. No, no operation is performed;

The IC card background clearing system 300 includes:

The pre-charge settlement module 301 is configured to complete automatic settlement in the automatic recharge associated account according to the number of times the IC card automatically pre-charges and the set pre-charge amount; the module includes:

In the IC card automatic recharge system according to the embodiment, the IC card can be overdrawn and consumed. When the balance in the card is less than the preset recharge threshold, the IC card can automatically perform automatic pre-charging of the IC card, that is, virtual recharge (by the card). The on-chip operating system COS self-determination is implemented to meet the needs of the cardholder to continue to use the IC card for overdraft consumption. With this system, the cardholder does not need to manually perform the recharge operation, and only needs to be online at the consumer card reading terminal and the background clearing system. When the liquidation is performed, the background clearing system can complete the automatic deduction from the associated account, so that the user has a better experience. In addition, since the debit settlement behavior is automatically completed by the one-card back-office clearing system, the allocation of funds is still controlled by the IC card back-office clearing system, and will not involve the settlement of the IC card issuance center and the recharge agent network. question.

In this embodiment, the background clearing system is a background clearing system of an IC card issuing center or a third-party background clearing system authorized by an IC card issuing center. The automatic refill associated account includes a debit card, a credit card or an Alipay.

In order to control the number of pre-charges of the IC card and the amount of pre-charged amount, the main control chip 101 may further include a pre-charge amount determination module 1013.

The pre-charge amount determining module 1013 is configured to determine, according to the number of times the IC card is automatically pre-charged and the set pre-charge amount, automatically determine the IC card in the set time before the pre-charging module 1012 automatically pre-charges the IC card. Whether the pre-charged amount is greater than the overdraft amount, and if so, the pre-charge module cannot perform automatic pre-charge, and if not, the automatic pre-charge fails. The overdraft amount is determined by the IC card issuing center determining the overdraft amount of the user's IC card within the set time according to the credit rating of the user's automatic refilling associated account before issuing the IC card.

During the set time, if the number of times the IC card automatically pre-charges (overdraft amount/set recharge funds) has reached the upper limit, if the card balance is insufficient at the set time, the cardholder can use the traditional service recharge method for recharge. .

The main control chip 101 may further include:

The pre-charging times determining module 1014 is configured to clear the number of automatic pre-charging times in the IC card after the IC card recharging method is performed by using the traditional IC card refilling method when the number of automatic pre-charging times of the IC card reaches the upper limit of the pre-charging times of the set IC card. Zero; the upper limit of the number of pre-charges is set by the IC card issuing center before the IC card. That is, when the pre-charged number of the IC card exceeds the preset upper limit of the pre-charged number, the automatic pre-charge value cannot be performed again, and the conventional recharge operation is required before the pre-charge function can be continued.

FIG. 2 is a flow chart showing an IC card automatic refilling method based on the automatic refilling system shown in FIG. 1 in the present embodiment. As can be seen from the figure, the recharging method may include the following steps:

Step S100: setting an automatic refill account of the IC card, and storing the related information in the background clearing system of the IC card;

In this embodiment, the IC card is an IC card with an overdraft function, and the overdraft function refers to an IC pre-charge (virtual recharge) function. In order to complete the settlement of the pre-charge behavior of the IC card by the background clearing system, it is necessary to set The IC card automatically refills the associated account and stores the associated information in the IC. In the background clearing system of the card, the IC card background clearing system can complete the clearing according to the automatic refilling associated account on the settlement date. The automatic recharge associated account refers to a payment account in which an IC card user allows an IC card background clearing system to automatically settle an overdraft consumption of an IC card.

The automatic recharge associated account includes, but is not limited to, a payment account such as a credit card, a debit card, or an Alipay. The background clearing system includes, but is not limited to, a background clearing system of an IC card issuing center or a third-party background clearing system authorized by an IC card issuing center. For example, for a public card, the background clearing system is a background clearing system of a card issuing company or a card. A back-office clearing system of other operating companies authorized by the issuing company.

In another embodiment of the present invention, in order to reduce the risk that the IC card may be automatically pre-charged, the IC card issuing center may determine the IC of the user within the set time according to the credit rating of the user's automatic refilling associated account before issuing the IC card. The overdraft amount of the card and the amount of each recharge. The credit rating of the user's automatic refilling associated account is generally provided by the administrator of the automatic refilling associated account to the IC card issuer. Before the IC card issuance center sends the IC card, it can also set the upper limit of the pre-charge number of the IC card.

Step S200: the IC card communicates with the card reading consumer terminal to complete the IC card payment;

Step S300: When the balance in the IC card is less than the recharge threshold, the IC card is automatically pre-charged;

When the cardholder makes a payment through the IC card, the IC card communicates with the card reading consumer terminal to complete the IC card payment. The card reading consumer terminal may have different terminals according to different payment applications. For example, for a bus card IC card, it may be a POS machine or a subway card swipe machine. The types of communication between the IC card and the card reading consumer terminal include, but are not limited to, contact communication and/or contactless communication. The process in which the IC card communicates with the card reading consumer terminal to complete the IC card payment is prior art.

In this embodiment, the IC card communicates with the card reading consumer terminal, and the process of completing the IC card payment includes:

After the IC card payment is successfully completed, the master chip of the IC card determines whether the balance in the IC card, that is, the electronic wallet, is less than a preset recharge threshold, and if so, the IC card is performed according to the set pre-charge amount. Automatic pre-charge and go to the next step. If no, no operation will be performed.

When the overdraft amount is set in the IC card, before the automatic pre-charging of the IC card, the amount of the automatic pre-charge value of the IC card in the set time is determined according to the number of times the IC card is automatically pre-charged and the set pre-charge amount. If the amount is greater than the overdraft amount, if not, the pre-charge value is pre-charged according to the preset pre-charged pre-charge amount, and if the pre-charge value cannot be performed, the automatic pre-charge value fails.

When the IC card is set to the upper limit of the pre-charged number, before the automatic pre-charging of the IC card is performed, it is determined whether the number of automatic pre-charge times of the IC card has reached the upper limit of the pre-charged number, and if so, automatic pre-cannot be performed. To recharge, you need to use the traditional IC card recharge method to recharge the IC card, and clear the number of automatic pre-charge values in the IC card, before you can continue to use the pre-charged charge.

Step S400: The IC card background clearing system settles the IC card according to the number of times the IC card is automatically pre-charged and the set pre-charge amount.

On the IC card clearing date, the IC card background clearing system completes the automatic settlement in the automatic refill associated account according to the number of times the IC card automatically pre-charges and the set pre-charge amount.

In this embodiment, the IC card background clearing system completes the automatic settlement in the automatic recharge associated account according to the number of times the IC card automatically pre-charges and the set pre-charge amount, including:

The IC card background clearing system receives the clearing message of the IC card uploaded by the card reading consumer terminal, and determines whether the IC card has an automatic pre-charging value according to the last settlement record and the clearing message of the IC card, and if so, according to the number of automatic pre-charging times and The pre-charged amount is set to generate an IC card refill transaction message, and the automatic recharge account is activated to complete the IC card pre-charge deduction, and the settlement is completed. If not, the IC card background settlement is directly performed according to the clearing message to ensure the card and the background. The amount of money in the clearing system is synchronized.

In the process of completing the IC card payment by the IC card and the card reading consumer terminal, the card reading consumer terminal records the relevant information of the payment (time consumption, consumption amount, etc.) and reads the balance information of the IC card, and clears the background with the IC card. When the system performs clearing, the terminal uploads the transaction record of the card to the IC card background clearing system, and the IC card background clearing system judges the pre-charged number of the IC card according to the information uploaded by the terminal, automatically replenishes a refill transaction message, and automatically In the recharge related account, the transfer refill of the IC card background clearing system is performed, that is, the automatic storage of the IC card is completed.

In the actual application, after each completion of the liquidation, if the automatic recharge account is debited, The management background corresponding to the linked account (such as the bank background) will send notification information to the cardholder.

The automatic refilling method provided by the present invention will be further described below in conjunction with a specific application scenario in the embodiment.

Example

In this embodiment, the cardholder Zhang San is prepared to apply for a traffic card that can be automatically recharged, and uses his own Alipay account as an automatic recharge account.

When the cardholder is authorized to use his Alipay account as an automatic recharge account, he will conduct a credit review on the cardholder and feedback the audit result to Zhang San. For example, Zhang San’s credit rating is At the same time, the results of the review will be submitted to the card issuing company. The card issuing company will determine the monthly overdraft amount of the transportation card and the amount of each pre-charged amount according to the level of Zhang San, and then send the transportation card to Zhang San.

In this embodiment, it is assumed that the overdraft amount of the traffic card of Zhang San, that is, the automatic pre-charge value is 500 yuan, the pre-charge amount of each automatic pre-charge is 100 yuan, and the preset pre-charge threshold is 50 yuan, and the initial state is automatically The number of recharges is 0, and the maximum number of automatic pre-charges for the IC card is 5 times.

Suppose Zhang San recharges 50 when the card is activated. If the card is used for the first time, it is 3 yuan. When the balance is 47 yuan, the threshold is less than 50 yuan, the card will be processed after the transaction. Once pre-charged, the card balance after pre-charge is 147. At the end of the month, the IC card back-end clearing system will transfer the debit from the Alipay account corresponding to Zhang San. After Zhang San used the card to generate 5 automatic pre-charge values, Zhang San needs to use the traditional service recharge function to perform a recharge. After that, the number of automatic refills that Zhang San uses the card will be reset to 0.

It is apparent that those skilled in the art can make various modifications and variations to the invention without departing from the spirit and scope of the invention. Thus, it is intended that the present invention cover the modifications and the modifications

Claims

An IC card automatic refilling method includes the following steps:

(1) setting an automatic refill account of the IC card, and storing the related information in the background clearing system of the IC card; the IC card has an overdraft function, and the automatic recharge associated account means that the IC card user allows the IC card to be cleared in the background. A payment account that automatically settles the overdraft consumption of the IC card by the system;

(2) The IC card communicates with the card reading consumer terminal to complete the payment of the IC card;

(3) The IC card master chip determines whether the balance in the IC card is less than a preset recharge threshold, and if so, automatically pre-charges the IC card according to the set pre-charge amount, and proceeds to step (4). No, no operation is performed;

(4) The IC card background clearing system completes the automatic settlement according to the automatic recharge associated account according to the number of times the IC card automatically pre-charges and the set pre-charge amount.
The method for automatically charging an IC card according to claim 1, wherein the method further comprises: before the IC card issuing center delivers the IC card, determining the user within the set time according to the credit level of the user's automatic refilling associated account. The overdraft amount of the IC card;

Before the automatic pre-charging of the IC card, the method further includes: determining, according to the number of times the IC card automatically pre-charges and the set pre-charge amount, whether the amount of the automatic pre-charge value of the IC card in the set time is greater than the overdraft amount, If not, the automatic pre-charge value is performed, and if so, the automatic pre-charge value fails.
The method for automatically charging an IC card according to claim 1, wherein the method further comprises: in step (2), the IC card communicates with the card reading consumer terminal to complete the payment of the IC card, including:

1 IC card master chip determines whether the balance in the IC card is greater than or equal to the payment amount, and if so, the IC card payment, if not, then proceeds to step 2;

2 The IC card master chip determines whether the sum of the balance in the IC card and the preset pre-charge amount is greater than or equal to the payment amount, and if so, the IC card master chip automatically pre-charges the IC card according to the set pre-charge amount. The IC card payment is performed. If not, the card reading consumer terminal indicates that the IC card balance is insufficient, and the IC card payment fails.
The method for automatically recharging an IC card according to claim 1, wherein the method further comprises: determining an upper limit of the pre-charged number of the IC card before the IC card issuing center sends the IC card, and automatically counting the number of times of the IC card. When the upper limit of the pre-charged number is reached, the IC card recharge method is performed by the conventional IC card recharge method, and the number of automatic pre-charge values in the IC card is cleared.
The IC card automatic refilling method according to claim 1, wherein the IC card background clearing system is a background clearing system of an IC card issuing center or a third party background clearing system authorized by an IC card issuing center.
The method for automatically recharging an IC card according to any one of claims 1 to 5, characterized in that, in the step (4), the IC card background clearing system automatically pre-charges the number according to the IC card and the set pre-charge amount. Automatic settlement is completed according to the automatic recharge associated account, including:

The IC card background clearing system receives the clearing message of the IC card uploaded by the card reading consumer terminal, and determines whether the IC card has an automatic pre-charging value according to the last settlement record and the clearing message of the IC card, and if so, according to the number of automatic pre-charging times and The set pre-charge amount generates an IC card refill transaction message, activates the automatic recharge associated account to perform the recharge deduction, and completes the settlement. If not, the IC card background settlement is directly performed according to the clearing message.
An IC card automatic refilling system, comprising an IC card, a card reading consumer terminal and an IC card background clearing system, the IC card comprising a main control chip and a communication module connected to the main control chip, wherein the IC card has The overdraft function; the communication module is configured to communicate with the card reading consumer terminal; the master control chip comprises:

The IC card payment module is configured to interact with the card reading consumer terminal to complete the IC card payment;

The pre-charging module is configured to determine whether the balance in the IC card is less than a preset recharge threshold after completing the payment of the IC card, and if so, automatically pre-charging the IC card according to the set pre-charge amount, and if not, Then no operation;

The IC card background clearing system includes:

The pre-charge settlement module is configured to perform automatic settlement according to the number of automatic pre-charge values of the IC card and the set pre-charge amount according to the automatic recharge associated account.
The IC card automatic refilling system according to claim 7, wherein the main control chip further comprises:

The pre-charge amount determination module is configured to determine, according to the number of times the IC card automatically pre-charges and the set pre-charge amount, the automatic pre-charge value of the IC card in the set time before the pre-charge module automatically pre-charges the IC card. Whether the amount of the excess is greater than the overdraft amount, and if so, the pre-charging module automatically pre-charges the value;

The overdraft amount is an overdraft amount of the user's IC card within a set time determined by the IC card issuing center before the IC card is issued, according to the credit rating of the user's automatic refill account.
The IC card automatic refilling system according to claim 7, wherein the main control chip further comprises:

The pre-charging times judging module is configured to clear the number of automatic pre-charging times in the IC card after the IC card recharging method is performed by using the traditional IC card refilling method when the IC card automatic pre-charging times reaches the upper limit of the preset pre-charging times of the IC card. The upper limit of the number of pre-charges is determined by the IC card issuing center before the IC card.
The IC card automatic refilling system according to any one of claims 7 to 9, wherein the pre-charge settlement module comprises:

The pre-charging judging unit is configured to receive the clearing message of the IC card uploaded by the card reading consumer terminal, and determine whether the IC card has an automatic pre-charging value according to the last settlement record and the clearing message of the IC card, and if yes, enter the pre-charge settlement module. If not, the IC card background settlement is directly performed according to the clearing message.