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Apparatus for manufacturing commercial prepaid card

A prepaid card and equipment technology, which is applied in the direction of code identification card or credit card start-up, complete banking system, instruments, etc., can solve the problems of low utilization rate of equipment, high risk of investment funds, hidden dangers of data storage security, etc., to achieve The effect of reducing capital costs, flexible and fast configuration, and flexible and fast printing

Inactive Publication Date: 2011-03-30
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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

Method used

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  • Apparatus for manufacturing commercial prepaid card
  • Apparatus for manufacturing commercial prepaid card
  • Apparatus for manufacturing commercial prepaid card

Examples

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Embodiment Construction

[0018] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0019] Such as figure 1 As shown, a kind of commercial prepaid card manufacturing equipment provided by the embodiment of the present invention includes: bank teller terminal 101, bank server 103, business enterprise card issuing server 105, merchant communication front-end processor 106 and card transaction terminal (107a, 107b and 107c ); the bank teller terminal 101 is connected with the bank server 103 through the bank internal network 102; the bank server...

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PUM

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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...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F7/08G07F19/00
Inventor 王伟权赵泽栋胡兴源曹秋华许宁陈铁钢王齐鸣钟新宇王正萍
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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