Huajie Electronics “Farmer’s Market All-in-one Card” System Application Case
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Project Background
The Caichang One Card System is based on the current huge card-holding consumer groups in the city, the technical support of card-holding consumption, the increasing improvement of network and communication technology, and the convenience of card consumption, forming a real sense of relationship between various operators and consumers The electronic wallet function allows cardholders to spend freely and happily in the entire food market. At the same time, in order to continuously meet the needs of urban construction and social development, and coordinate with the relevant government policies to promote the construction of digital Wuxi, Wuxi will be built into a “perceived China” center, and the use of one pass card is currently being promoted in all major food markets in the city. Because of its convenience, speed, and simplicity, credit card consumption will replace most of the current paper currency consumption functions in the urban middle class and become the primary choice for the urban backbone consumer groups. This has been verified in developed countries, and the development of credit card consumption in major domestic cities has also proved the considerable prospects of credit card consumption. The Caichang All-in-One Card will strive for government approval, relying on the government’s strong promotion and standardized market operation, and integrating with the Wuxi Citizens All-in-One Card, and becoming the aircraft carrier of Wuxi’s consumer card industry in the next five years.
The overall design goal of the “Cooking Market One Card” system is to build a first-level platform centered on the clearing system; based on the micropayment business, a second-level application platform composed of wireless terminals of major food markets and peripheral card issuing and recharging outlets; and A three-level platform composed of smart IC cards (non-contact CPU cards) and POS machines enables consumers to “hold a card, making it easy to buy food.” Realize electronic charging, which is convenient and fast, and saves the inconvenience of changing change. At the same time, the “Cooking Market All-in-One Card” will be integrated with the citizen’s all-in-one card, which can be used in the field of urban public utilities to provide convenience for citizens, enterprises, municipal departments and other commercial organizations Fast payment, settlement and service improve the management level. The Caichang Card System will be constructed in accordance with the project standards of the Ministry of Construction “Integrated Circuit (IC) Card Application Technology for Construction Business” and “Integrated Circuit (IC) Card Product Inspection for Construction Business” project standards, and follow the guiding ideology of “unified planning and orderly advancement” , Combined with the construction plan of the city’s vegetable farm all-in-one card system, adopt the project implementation strategy of “unified planning, distributed implementation, and steady progress” to formulate feasible project implementation goals. The implementation goal of the project is to build a safe and reliable operation system covering the entire city’s vegetable farms’ consumption field, as well as the city’s vegetable farms’ interconnected clearing and settlement network. Using the increasingly mature radio frequency CPU card technology and advanced computer technology, electronic fees in the field of food market consumption are realized on this public platform.
The overall frame structure of the vegetable farm all-in-one card system project:
Basic principles of project construction
1. Adhere to a high starting point to ensure the advanced nature of the system and its leading position in the domestic industry in the future;
2. The system implements the “practical, reliable, advanced and economical” eight-character policy, is application-oriented, promotes management to a higher level, and builds in accordance with the principle of urgent use first, step by step;
3. Proceeding from the actual situation and based on the development needs, the overall plan and step-by-step implementation ensure that the system is highly integrated, overall optimized, safe and reliable, and steadily promoted;
4. The system fully considers function expansion and technological upgrading, adapts to the requirements of the rapid development of contemporary information technology, in order to achieve the best results;
5. To ensure the security and confidentiality of the system, based on the formation of independent copyrighted IC card products, it is conducive to the transformation of the existing system and the realization of localization;
design concept
The goal of the “Cooking Market One Card” system is to establish an advanced information platform and gradually improve the corresponding application system based on this platform. Therefore, it is a large-scale, complex structure and large amount of information comprehensive information system construction project. When carrying out this project, the five unified principles of “unified planning, unified standards, unified manufacturing, unified card issuance, and unified management” were implemented. At the same time, a strict market access system was implemented to put forward requirements on the qualifications and equipment performance of the project contractor. In the process of system design, system construction and implementation, the following principles should be met:
A. Implementation stage and compatibility: Considering that the design, development, application and maintenance of this system is a complex management and technical project, the system construction can be divided into multiple stages to be implemented step by step. System design needs to determine the overall architecture and technology selection of system construction, and build a system platform framework on this basis and develop the most urgently needed system. With time and industry development needs, gradually develop new application areas and add new The application fields of the company are integrated into the system platform framework, so as to finally realize a system integrated with the citizen’s all-in-one card.
B. Technology advancement and maturity: system design should adopt advanced technologies and methods, reflect the current advanced level (reaching the design standards of domestic Shanghai, Beijing and other large cities), and have development potential to ensure that it will be in the next few years Occupy the leading position, and can smoothly transition to the next generation of technology. Among them, in the type and model of IC card and the selection of reading and writing equipment, it is necessary to study the development trend of technology to ensure the compatibility of the card and equipment in the process of technological reconstruction in the future. As a set of large and complex application system construction, in order to reduce the implementation risk of the system, while paying attention to the advancement of technology, we must also pay attention to the relative maturity of system structure and equipment.
C. Information security and accuracy: Through the establishment of a security control system, all objects in the system are controlled and protected, and a series of measures such as identity authentication, access control, permission setting, and communication confidentiality are realized to ensure the security of system data. The system should take different measures for different applications and different network communication environments, and set up corresponding security mechanisms in the process of data collection, storage, transmission, exchange, and use to ensure the accuracy and safety of data.
D. Reliability and stability of the system: The reliability and stability of the system directly affect the normal operation of the transaction business and are the guarantee of the social image. Starting from the system structure, technical measures, equipment performance, system management, manufacturer’s technical support and maintenance capabilities, etc., to ensure the reliability and stability of the system operation, to achieve the maximum mean time between failures; from consumption data to information feedback, from the card From card selling and recharging to data uploading and clearing, machinery, equipment and software systems are required to have high reliability and high stability, which can ensure that the system works stably and effectively for a long time with high capacity. The software, hardware, and network equipment involved in the core business need to be designed with redundancy, and the core database needs to be designed with a reasonable backup system.
E. System standardization and openness: In order to meet the system’s selected technology and equipment’s cooperative operation ability, the long-term effect of system investment, and the continuous expansion of system functions, the system must have openness and standardization. The overall structure design of the system should follow international and national norms and standards, and standardization and standardization should be run through every stage of system development and construction. Among them, in the design of IC cards and machines, it is necessary to fully consider the product characteristics of multiple equipment providers, formulate unified technical specifications, and realize the compatibility of different machines. System standardization can fully ensure the scalability of the system, and with the development of new technologies, the subsequent development of the system can be seamlessly integrated into the entire system.
F. The manageability and maintainability of the system: As the entire system involves many functions and applications, it is necessary to consider that the system should have good manageability and maintainability. Corresponding means and methods should be provided to monitor the operating status of the system in real time and perform corresponding operations when necessary.
G. Practicability and economy of the system: the system must ensure the technical and economic feasibility, and the system construction should always implement the application-oriented, practical policy, adhere to the practical and economic principles, and try to achieve construction and application as much as possible , Edge development.
Therefore, when we are building the vegetable farm all-in-one card system, we will implement it in several phases based on the characteristics of the vegetable farm, and formulate the system construction goals as follows: Phase 1: Infrastructure construction phase
Build safe, reliable, stable operation, performance up to standard, easy to maintain and expandable Caichang all-in-one card data center and Caichang all-in-one card management center that integrate card issuance, transaction processing, account settlement and other functions.
Issue a non-contact city card CPU card with read-write payment function that is universal in the field of consumption and payment in the market’s vegetable farms.
The second stage: improvement and expansion stage
Establish the wireless terminal of the vegetable farm, and use the payment function of the vegetable farm card to build a payment system and information feedback system through the docking with the management center system.
Select a vegetable farm as a pilot, deploy POS machines to the vegetable farm, and carry out the construction of a demonstration application and promotion pilot.
Establish an application system in the field of small-value payment for the vegetable farm, so that the vegetable farm all-in-one card has the ability to enter the vegetable farm for consumption payment. And complete the construction of demonstration application promotion pilot.
Promote the application of POS machines in the field of small-value payment for the food market, so that the payment application of the food market all-in-one card gradually covers the food market and its surrounding businesses.
The overall architecture of the food market all-in-one card system
The consumption of the food market all-in-one card system involves all operators of the food market, all consumers of the food market, and the all-in-one card management center. To fully realize the food market all-in-one card project, it should have a hierarchical system structure and a clear data processing process.
Architecture
The food market all-in-one card system project is to set up a food market all-in-one card clearing system (called a first-level platform); there are a food market all-in-one card issuance and replenishment system and several food market wireless terminal systems (called a second-level platform); at the same time, there are three-level platforms under the sub-system , They are POS terminal equipment (including POS consumer terminals and replenishment points) and IC card users who consume with their cards.
Level one platform:
The system “level 1 platform” operated by the “caichang card” company covers the data center and management center, and is responsible for the normal operation of the software and hardware basic platform and network in the entire system. A number of system databases have been set up in the “first-level platform”, mainly including the “recharge database”, “recycling database”, “clearing database” and “query database”. The functional modules in the “first-level platform” cover the business processes involved in the management of the “caichang card” company, including: card file management, recharge and sales management, data recovery management, system monitoring and management, clearing management, settlement and Functions such as transfer management, customer service management, statistical analysis and query, etc., these functions support the management center of “Cooking Field Card” to carry out various business activities. The interfaces in the “level 1 platform” are divided in units of vegetable farms, and each interface can support the corresponding correspondent bank branch.
Secondary platform:
The “secondary platform” of the system supports all application units to carry out the “food market all-in-one card” business, cooperates with the “primary platform” for fund settlement, provides consumption data information, and provides accurate digital basis for application units in management decision-making in order to reduce costs and improve efficiency , Improve service quality. The corresponding application units in the “secondary platform” have a more complex organizational structure, so the corresponding information requirements and information processing processes are more complex. The system’s “three-level platform” (also known as the “user platform”) provides the general public with a rich “food market all-in-one card” consumer environment. Through this platform, the information exchange between IC cards and POS machines can be completed, realizing “one card in one card”. No worries about grocery shopping.” In addition, the settlement center will send the transaction details of the day to the user in the form of SMS on the second day of the transaction day, and at the same time send the operator’s total business volume and the number of transactions to the operator in the form of SMS.
Information flow
When the cardholder spends on the POS machine of the vegetable farm, its transaction data is recorded in the consumer POS machine, and when the cardholder replenishes the fund on the recharge machine, its transaction data is recorded in the recharge machine. The information of the all-in-one card system is transmitted according to the following process:
When the market starts to operate, the sales staff will start the consumer POS machine to start working, and first swipe the parameter card to “sign in”. When the consumer swipes the card to consume, the POS machine will generate a consumption record, and the POS machine will immediately send this consumption record to the management center, and the management center will return the transaction upload success instruction after receiving it. When the salesperson presses the “Summary” button, the LCD on the back of the POS machine will display “Summary Time Interval”, “Number of Transactions”, and “Total Transactions”. (To be discussed: leave an “upload” button to manually upload the unuploaded records.)
Since the POS machine of the food market is a fixed POS machine, the consumption transaction data occurring in the food market can be forwarded to the management center clearing system through the wireless terminal of the market in real time through ADSL, ISDN or PSTN dial-up.
The replenishment can adopt the direct connection method of the management center or the agent method of the management unit (indirect connection method). The direct-connection recharge transaction can be directly sent to the card company management center in real time via dial-up or dedicated line; the indirect recharge transaction is uploaded to the agency settlement system in real time by the recharge network recharge machine through the dial-up method. Then forward it to the management center in real time.
The settlement center system of the agency unit can also upload the collected original transaction data to the clearing system of the management center by sending regularly, so that the all-in-one card management center can clear in time.
The all-in-one card management center clears the active replenishment transactions issued by the system in a timely manner and forwards them to the agency unit, such as the issuance of report data and blacklist.
In the early morning of the next day, the All-in-One Card Management Center informs the corresponding consumers of the consumption details of the previous day in the form of text messages, and at the same time sends the operator’s bank account information to the operator’s mobile phone so that the consumer and the operator can check the bill.
Funding process
Because the food market all-in-one card business mainly adopts the agency system, there is a problem of the allocation of receivables and payables between the clearing system of the all-in-one card management center and the agency unit. In order to manage the funds in a unified way, it is recommended to realize the operation of funds in the following ways:
The management center and the market operator shall set up a special public account for the all-in-one card in the settlement bank.
When the agency replenishment transaction occurs, the agency unit collects funds. At the end of the day, the management center clears through the data center, and clears each agency unit based on the original replenishment or consumption transaction data to complete the fund transfer.
When there are irregularities in the accounts, the management center will reconcile the accounts with the agency.
For detailed cases, please contact: Wuxi Huajie Electronic Information Technology Co., Ltd.
Company Address: 7th Floor, Building A5, Standard Factory Building, Liyuan Economic Development Zone, No. 854, Yinxiu Road, Wuxi City
Contact number: 0510-85226767-819 13606183611
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