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Chapter 1: Advantages of One-Card Easy Prepaid Card System
One: Prepaid stored-value consumer credit card system solution
According to the different network conditions of the operator’s merchants, OneCard provides a variety of operation modes, which not only facilitates the choice of the merchants, but also saves the cost of the operators.
One Card Easy Solution for Points Environment of Different Merchants
There is a computer, there is a network computer program
No computer, mobile credit card mobile POS (VX520) solution
2: Prepaid stored-value consumer credit card system is safe and stable
System stability: It has been running continuously for more than five years, providing hosting services and software development services for customers who operate prepaid cards and points consumption alliances in the industry;
Storage security: load balancing of multiple servers in multiple locations, real-time backup, to ensure storage security to the greatest extent;
Transmission security: Using the SSL network encryption transmission mechanism certified by GeoTrust of the United States, the data transmission of the Yikayi system can reach the same level as that of Alipay and bank online banking systems;
Computer room security: The main server is located in the national special-grade core node computer room (Shanghai Wusheng computer room) with the fastest internet speed, anti-magnitude nine earthquake, armed police guards, hardware DDOS firewall, hardware ARP firewall;
Terminal security: The hardware dongle is used to log in to ensure the identity of the loginer and prevent the account from being logged in by others.
Three: Features of the prepaid stored-value consumer credit card system
QR code POS: On the mobile phone POS, it realizes the QR code POS swiping function, and is compatible with magnetic card and IC sensor card swiping, supports thermal printing, supports GPRS, LAN network cable interface, and 3.5-inch color touch screen.
Merchant discounts: different merchants have different discounts for alliance cards, and they can flexibly set the discount for each merchant; different discount ratios can also be set for different consumer products.
Integral coefficient: Set different integral coefficients according to the profit rate of different alliance merchants. The software automatically calculates the points according to the consumption amount and the integral coefficient to facilitate the settlement of commissions;
SMS notification: All processes involved in operations (such as card opening, recharge, consumption, points, upgrades, gift redemption, etc.), after the member swipes the card at the merchant, the system automatically sends a SMS notification to the member’s mobile phone, so that the member can learn about the points in time At the same time, it can prevent merchants from not giving points or under giving points to protect the interests of members; at the same time, it can realize member birthday SMS reminders, card expiration SMS reminders, card balance insufficient SMS reminders, long-term consumption SMS reminders, points can be exchanged for gift SMS Reminders and other marketing functions.
Point pre-sale mode: In addition to the traditional post-settlement model, it also supports the point pre-sale mode, that is, alliance merchants purchase points first, and the merchant deducts points from their own account when recharging points for members, and then buys from the operator after use, reducing Project payment risk due to business dishonesty;
Recharge is subject to limit management: the designated merchant or terminal can be authorized to have the function of recharging the membership card, and at the same time, a certain recharge limit can be granted to this point. After the limit is used up,
E-coupons: Have a powerful e-coupon publishing platform, which can provide alliance merchants to send SMS and MMS e-coupons to attract repeat customers, help them increase member return rate and increase sales.
Incoming call recognition function: automatically recognize the member’s identity according to the incoming mobile phone number and fixed telephone, display the member’s points and historical consumption, and record the call;
Encryption dog login function: It can be realized to bind the dongle to the merchant’s account, and the dongle must be inserted to log in to the system to ensure the security of the merchant’s account.
Member photo: When a member opens a card, a video camera is used to take a photo of the member on the spot. When a member does not have a card for consumption, enter the mobile phone number, and when the member information is called up, the photos can be compared to lock the member.
Member recommendation: In order to expand the membership card holdings, the points rebate function can be used to attract members to recommend each other to join. Recommendations can earn points back through the consumption of the referees, thereby increasing the enthusiasm for card promotion.
Website docking: It can be integrated with the operator’s front desk website. Through the interface, the member login can be placed on the operator’s front desk website. Members can log in to the front desk website to query member information, consumption records, points records, gift exchange and query condition.
Docking with UnionPay card swiping: The OneCard Easy system has been seamlessly docked with UnionPay card swiping machines. When members consume/recharge, they can pay by cash and bank card.
Chapter 2: Introduction to various technical solutions
The architecture diagram of the prepaid stored-value consumer credit card system:
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One: Networking computer program
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1. The credit card alliance merchants install the client software through the computer, and the operator installs the credit card device for them;
2. After the member’s consumption is completed, the alliance merchant completes the consumption by swiping the card through the computer, and the member enters the password through the password keyboard.
3. After the consumption is completed, the system will automatically send a short message to notify the consumption amount, card balance, points earned, and total points.
4. Operators can view the sales of each alliance merchant and view the summary of member information.
Advantages of the solution: Using the existing computer of the merchant, plus a card reader, the skill operation is simple, and the equipment investment cost can be reduced at the same time.
Disadvantages of the solution: the alliance merchants need to be equipped with computers with Internet access, and the equipment investment is high.
The solution is suitable: suitable for businesses that already have computers and networks;
Recommended level: ★★★★☆
Two: Mobile POS (Vx520) solution
1. The operator installs a credit card POS machine for each alliance merchant;
2. Merchants can use network cable connection or GPRS connection to connect to the server according to their needs;
3. After the member finishes the consumption, swipe the card at the POS to complete the consumption, and the data is transmitted back to the background;
4. The background completes the processing of business logic and sends SMS to notify members.
Advantages of the solution: The use of dedicated POS card swiping equipment is professional and safe, and at the same time reduces the occupation of merchant counters;
Disadvantages of the scheme: the equipment cost is relatively high;
The solution is suitable for: merchants who do not have a computer and need to hold mobile card swiping;
Recommended level: ★★★☆☆
Note: VX520 has GPRS, network cable and other interfaces, card swiping and receipt printing, compact size, can be used for mobile swiping applications, and can be extended to swipe UnionPay card functions.
Chapter 3: Demonstration of Prepaid Stored Value Consumption Credit Card System Scheme
One: Manage background presentation
1. The administrator logs in to the system —>System platform interface
2. Assign permissions to the permission group, add credit card merchants, and add credit card operators (business owners)
Different permissions can be set for different permission groups. For example, finance has membership card recharge, merchant limit recharge, and report query permissions; merchant bosses have reconciliation and query permissions after use; merchant operators have credit card consumption, cancel orders, and check permissions. Account and other permissions;
Set store information, discounts and points rules
Set the storefront as “restricted” (that is, the merchant’s recharge limit and points limit for members have background recharge)
Merchants who have used up their points and recharges can recharge:
3. Set membership card points and recharge rules
A variety of card types (levels) can be set, and different card types enjoy different benefits, such as different initial stored value, point ratio, recharge rebate ratio, and so on.
It can be realized as the same as China Mobile recharge and send the phone bill, the member recharge 1000 yuan, get 200 yuan, return in 5 months, 40 yuan per month
5. Member card activation
In addition to the common basic customer information, the system can also expand the member field information infinitely, and you can choose the drop-down type, input type, date type, and anniversary type (can automatically remind before the second year anniversary)
6. Recharge your membership card
When the membership card is recharged, the finance can choose to operate on the computer or on the designated POS.
At the same time, in addition to swiping the card to recharge, members can also enter their mobile phone number and swipe the QR code to recharge.
2: Demonstration at the front desk of the merchant
1. Recharge your membership card
The same function as the back-end top-up, except that the merchant’s top-up limit is restricted by the operator’s back-end. After the available balance is topped up, the top-up cannot be continued, and you need to apply for the limit with the operator.
2. Membership card consumption
After swiping the card, enter the consumption amount. After confirmation, the member enters the password to complete the deduction. Automatic printing of consumer receipts.
3. Query consumption report
Statistical reports provide detailed data analysis, and can display comparison modes such as line graphs, pie graphs, and circle graphs.
Three: Demonstration of Card Member Inquiry
The system provides various interfaces for members, such as login verification, card information modification, activation, and lock. It can also query consumption details, recharge details reports, and consumption points reports. (The following is an example of a customer’s website query effect)
1. Member login
2. Query basic member information, such as personal information, available balance, available points, total consumption times, last consumption time, etc.
3. Check points, recharge and consumption records
4. In addition, business processes such as online recharge, consumption and point exchange can also be realized.
For more information, please contact: Shenzhen Yikayi Technology Development Co., Ltd.
Phone: 0755-22310521
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