Apparatus for manufacturing commercial prepaid card

Abstract

The invention provides an apparatus for manufacturing a commercial prepaid card. The apparatus comprises a bank teller terminal, a bank server, an enterprise card-issuing server, a merchant communication front-end processor and a card transaction terminal, wherein the bank teller terminal is connected with the bank server through an internal network of a bank; the bank server is respectively connected with the enterprise card-issuing server and the merchant communication front-end processor through a bank-enterprise private network; and the merchant communication front-end processor is connected with the card transaction terminal. The prepaid card is issued by the apparatus for manufacturing the commercial prepaid card through a bank agency so that various commercial prepaid cards are configured and manufactured flexibly, quickly and safely.

Description

technical field [0001] The present invention relates to the technical field of bank card production, in particular to the commercial prepaid card production technology based on the banking system, and in particular to a commercial prepaid card production equipment. Background technique [0002] A commercial prepaid card is a cash payment card issued to customers by non-financial card issuers. The card issuer collects a certain amount of funds in advance from the customer (card buyer), and stores the product or service rights information corresponding to the value of the funds in magnetic media, chip cards or other forms. Cardholders can obtain products and services at specific merchants based on the entitlement information recorded on the card. [0003] In the prior art, prepaid cards are produced and maintained by card issuers or merchants themselves. This self-produced and maintained prepaid card system has the following defects: (1) The security and stability of the prep...

AI Technical Summary

Problems solved by technology

[0003] In the prior art, prepaid cards are produced and maintained by card issuers or merchants themselves. This self-produced and maintained prepaid card system has the following defects: (1) The security and stability of the prepaid card system are relatively poor , especially in terms of hardware network security control, such as transaction terminals, transaction sensitive data transmission, data storage, etc., there are major security risks

(2) For cardholders, there is a risk of loss of account funds

In the existing prepaid card processing mode, the account balance of the prepaid card is stored in the merchant system. After the cardholder recharges the card, the card account funds are completely controlled by the merchant. Once the merchant has operational problems, the prepaid card in the hands of the cardholder may be at risk of being unable to pay

(3) For merchants, the risk of investing capital is high, and the utilization rate of equipment is low

Since the prepaid card system lacks a unified standard, the functions of various prepaid cards vary greatly. Merchants must develop and maintain their own prepaid card systems and purchase corresponding hardware equipment. This method requires large capital investment and low system and equipment utilization. Some merchants (especially small and medium merchants) cannot issue their own prepaid cards due to capital investment

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