Method and system for transferring between IC card electronic cash accounts

Abstract

The invention discloses a method and a system for transferring between IC card electronic cash accounts, wherein the method comprises the steps: step1, electronic cash account information of a transfer-out card is read; step2, off-line consumption is performed on the transfer-out card, the amount of consumption of the transfer-out card is deducted, and transaction data is generated; step3, information of a transfer-in card is read, if the sum of electronic cash balance and the transfer-out card consumption is less or equal to the bank authorized electronic cash limit is verified, if yes, a step 4 is executed sequentially; otherwise transfer failure is judged, and real-time transfer for a bank card main account to which the transfer-in card belongs is performed; step4, a transfer-in card account and transferred cash form a transaction message; step 5, an unspecified account transfer transaction of the transfer-in card is performed, a transfer message is generated, a script command from an issuing bank is received, and the update of electric cash is finished; and step 6, the transaction data is sent to a card association or the issuing bank to be liquidated.

Description

technical field [0001] The invention relates to the technical field of IC cards, in particular to a method and system for transferring funds between electronic cash accounts of IC cards. Background technique [0002] At present, the application of electronic cash is becoming more and more extensive. However, for the existing electronic cash process, it can generally only support several basic functions such as electronic cash loading, electronic cash consumption and offline return, and cannot yet support the transfer function of electronic cash, which leads to frequent The user mistakenly deposits the money ring into the electronic cash account of the IC card on a self-service device such as an ATM machine due to misoperation. As far as the existing process is concerned, if the user wants to withdraw the money again, he has to go to the business hall to cancel his electronic cash account before he can handle it. This greatly affects the cardholder's card experience, and ma...

AI Technical Summary

Problems solved by technology

[0003] In order to better solve the problem that the existing process does not support electronic cash transfer, the present invention proposes a method and system for IC card electronic cash transfer. It can be used when cardholders want to recharge IC card electronic cash for their relatives and friends without going to the bank counter in order to better improve the use efficiency and user experience of cardholder electronic cash

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