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Method for associating (binding) bank card for payment adopting the second generation identity card

A technology of second-generation ID cards and ID cards, applied in the field of fee payment using second-generation resident ID cards, can solve the problems of squandering stolen funds, hidden dangers of capital security, and easy forgery of magnetic stripe cards, so as to ensure the safety of funds, Solve the effect of being easily read and inconvenient

Inactive Publication Date: 2008-03-19
宋弋希
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  • Application Information

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Problems solved by technology

The two did the same thing, and went to various places to commit crimes 10 times, and were finally arrested, and

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  • Method for associating (binding) bank card for payment adopting the second generation identity card

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Embodiment

[0016] A method of using the second-generation resident ID card of the People's Republic of China to associate (bind) the valid bank card of the holder, and use the second-generation resident ID card to replace the bank card for consumption payment and banking operations. By installing a dedicated association (binding) management platform, and POS machines, ATM machines, and online banking clients with the function of reading second-generation ID card information, the operations of consumer payment and banking services are realized. It is characterized in that the steps of the operation method for realizing consumption payment and banking business by using the second-generation resident ID card are:

[0017] 1) Start; open the dedicated association (binding) management platform, open the POS machine, ATM machine or online banking client with the function of reading the second-generation ID card information, enter the relevant software, and make it mutually authenticate with the...

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Abstract

The invention provides a method for correlating (binding) a second-generation resident identity card of the PRC of China (hereinafter referred to as a 2G ID card) and a bank card of the ID card holder for consumption payment and banking operation with the ID card. A bank client bearing the 2G ID card can sign a contract on correlating (binding) the 2G ID card and the effective bank card for consumption payment and banking operation with the commercial bank issuing the bank card and correlates (binds) the unique information (an ID card number, a card serial number, etc.) on the 2G ID card to one (or more) bank card under the name so that through a POS machine, an ATM machine, the client end of an internet bank and a special collating (binding) management platform, the bank client having signed a correlating (binding) contract only needs to carry the 2G ID card to substitute the correlated (bond) bank card for consumption payment, banking operation, etc. Therefore, the method eliminates the possibility that the magnetic strip information of the banking card can be read out or a card can be forged by duplication, guarantees the capital safety of the card holder and, besides, avoids the inconvenience caused by false demagnetization of carried bank cards.

Description

technical field [0001] The invention relates to a new method for fee payment in the financial field, in particular to a method for using a second-generation resident ID card for fee payment. Background technique [0002] China issued the first bank card in 1985, and the development of bank cards has entered an accelerated stage since 2003. As of the end of June 2007, more than 150 card issuers in China had issued nearly 1.3 billion bank cards. Card issuers include joint-stock commercial banks, major commercial banks, city commercial banks, and rural credit cooperatives. In order to expand the amount of savings, each bank does not hesitate to apply for multiple cards for depositors. Therefore, citizens in cities have several cards from different banks. [0003] With the improvement of criminals' new modus operandi of using bank cards to commit crimes, the following cases often appear in the newspapers: [0004] Nanfang.com News "More than 110,000 yuan disappeared from my b...

Claims

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Application Information

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IPC IPC(8): G06Q20/00G06Q40/00G06K17/00G06Q20/34G06Q40/02
Inventor 宋弋希
Owner 宋弋希
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