Construction plan of terminal equipment for UnionPay QuickPass all-in-one card system
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As a new payment method, UnionPay “Quick Pass” is being loved by more and more users, especially the young and fashionable people. At present, there are more than 620,000 UnionPay “Quick Pass” terminals in China that support contactless payments, and this year will increase rapidly, gradually covering various daily consumption places.
“Quick Pass” represents UnionPay’s contactless payment products and applications, with the characteristics of small and fast payments. The user purchases goods or services, confirms the corresponding amount, and uses a financial IC card with “Quick Pass” function or UnionPay mobile payment products, and can quickly complete it with a single swipe on a contactless payment terminal that supports UnionPay “Quick Pass” Paid. Generally speaking, a single amount does not exceed 1,000 yuan, and there is no need to enter a password and signature. At present, the contactless “Quick Pass” terminal that supports UnionPay is mainly based on the transformation and installation of POS machines. The traditional all-in-one city card mainly focuses on the consumption in buses, subways, and taxis. The “Quick Pass” application of UnionPay and the small consumption application of the City Card are gradually moving towards mutual integration and overlap.
The existing urban all-in-one card system has not exerted its maximum effectiveness, cannot provide citizens with one-card consumption payment in the whole consumption field, and it is not easy to realize the demand for interconnection between cities, which greatly restricts the all-in-one card market in various places. develop.
Compared with all-in-one card companies, UnionPay has deployed UnionPay consumer POS machines in major shopping malls, convenience stores, parking lots, gas stations and other daily consumption places for citizens. Citizens can easily hold bank cards with the UnionPay logo to spend in each of the above Place for quick consumption. Even cross-city and cross-region bus swiping and shopping consumption can be realized.
In this solution, through appropriate business and technical transformation of the existing one-card system and UnionPay platform, combined with non-contact smart card technology, it is easy to realize contactless bank card consumption in all fields such as public transportation and supermarkets. In the future, it will cover daily small fast payment merchants, including supermarkets, convenience stores, department stores, pharmacies, fast food chains and other retail places and public service areas such as vegetable markets, parking lots, gas stations, tourist attractions, etc., so as to truly realize “one card in hand” , Life is worry-free” goal.
As shown in the figure above, each card issuing bank issues QuickPass cards with UnionPay logo to citizens:
1. Citizens use “Quick Pass Cards” to swipe their cards on buses equipped with Deca P18 in-vehicle swiping terminals. The on-board card swiping terminal can automatically upload consumption data to the UnionPay clearing platform through the data exchange platform through wireless access methods such as 3G or GPRS, without the need to manually collect consumption data. At the same time, the data exchange platform is connected to the management platform of the one-card company, which can automatically send data such as terminal update programs, blacklists, and fare discount strategies to the on-board credit card consumer machines in real time.
2. By deploying the Deca DZ-JJQ-CZC taxi module on the taxi, it is possible to swipe the “Quick Pass Card” on the taxi. The wireless communication module embedded in the taxi module uploads consumption data to the UnionPay clearing platform through the data exchange platform in real time. At the same time, the data exchange platform is connected with the management platform of the one-card company, which can automatically send the terminal update program, blacklist, fare discount strategy and other data to the Deca DZ-JJQ-CZC taxi module in real time.
3. The UnionPay “Quick Pass Card” can be used for card consumption at supermarkets and utility bill payment stations that support UnionPay POS terminals, realizing small consumption in supermarkets and utility bill payment services such as utility and gas.
4. Integrate the Deka online recharge and payment platform in the data exchange platform, and at the same time, through the Deka X8 personal payment terminal issued or purchased to citizens, citizens can recharge their bus cards on their home/office computers. This can greatly alleviate the existing bus card recharge points and the pressure of citizens queuing to recharge. The one-card company does not need to spend more money to build bus card recharge points, nor does it need to invest more human resources to manage huge bus card recharge points.
1.1 Introduction to the business process of citizens’ self-recharge at home
Scene description:
Through the Deka X8 personal payment terminal issued or purchased to citizens, citizens can recharge their UnionPay QuickPass cards in their own homes.
1) Citizens connect the X8 personal payment terminal to a home computer through the USB port, log in to the all-in-one card online recharge platform via WEB, and install the online recharge platform browser plug-in.
2) According to the prompt, enter the flash pass card recharge interface and select the payment method (online banking payment, Alipay payment and other third-party payment platforms)
3) Put the city flash pass card on the X8 device, click to confirm the recharge, and complete the recharge work of the flash pass card.
1.2 Introduction to Deka Online Recharge and Payment Software Platform
Online recharge platform In order to facilitate the recharge and payment of QuickPass cards, the system uses the web on the Internet to provide online services to the majority of users and merchants, allowing users to delineate the QuickPass cards at home, and to swipe the cards for consumption in stores, which is convenient for the public and also Reduce the management inconvenience caused by the expansion of recharge sites and merchants.
Online recharge platform system architecture
All-in-one card platform: Provide all-in-one card business support, including card application planning, card physical media issuance, key management, clearing and settlement processing. The online recharge system needs the support of the all-in-one card system.
Bank interface: refers to systems that can provide bank payment, such as online banking and third-party payment systems. Customers can use the bank card to load the card’s electronic wallet or recharge the account with the help of the banking system.
Recharge card interface: generally refers to third-party recharge fund source systems, such as China Mobile, China Unicom, and telecom recharge cards to recharge all-in-one card accounts.
Customer: Customer refers to the consumer group of the online payment system, holding a flash pass card and obtaining a read-write terminal (X8 personal payment terminal) from the online payment system. And with the help of the bank system or recharge card system to complete the recharge of the device account, and then load the card electronic wallet and use the electronic wallet for consumption in the merchant system.
Read-write terminal (X8 personal payment terminal): The read-write terminal belongs to a certain customer entity. Customers can use different cards to recharge the card e-wallet on the read-write terminal and complete consumption with the e-wallet. The read-write terminal needs to be managed by the all-in-one card platform.
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