公开(公告)号：US20150339660A1

公开(公告)日：2015-11-26

申请号：US14402682

申请日：2013-06-06

Applicant: China Unionpay Co., Ltd.

Inventor： Hongwen Meng ,  Gaofeng Wan ,  Jianbin Zheng

IPC: G06Q20/34 ,  G06Q20/40 ,  G06Q20/06 ,  G06Q20/10

CPC classification number: G06Q20/349 ,  G06Q20/06 ,  G06Q20/065 ,  G06Q20/108 ,  G06Q20/34 ,  G06Q20/341 ,  G06Q20/4033 ,  G06Q20/409 ,  G07F7/127

Abstract: The invention discloses an offline credit loading method and system. The offline credit loading method comprises the following steps: (A) a terminal performs update of credit loading limit of a terminal by communicating with a backstage system, wherein the credit loading limit of the terminal is a sum of capital that allows for offline credit loading; (B) an electronic card performs update of the account of electronic cash card by communicating with the terminal, wherein some capital of the credit loading limit of the terminal is transferred to the account of electronic cash card; and (C) the backstage system enables the credit loading account associated with the account of electronic cash card to be updated according to information on offline credit loading received from the terminal.

Abstract translation: 本发明公开了一种离线信用加载方法和系统。 离线信用加载方法包括以下步骤：（A）终端通过与后台系统通信来执行终端的信用加载限制的更新，其中终端的信用加载限制是允许离线信用加载的资本总和 ; （B）电子卡通过与终端进行通信来进行电子现金卡的账户的更新，其中终端的信用加载限制的一些资本被转移到电子现金卡的账户; 和（C）后台系统使得根据从终端接收到的离线信用负载的信息来更新与电子现金卡帐户相关联的信用加载帐户。