IC CARD-BASED TRANSACTION PROCESSING AND CREDIT PAYMENT AUTHORIZATION METHOD, DEVICE, AND SYSTEM

摘要

This specifications describes techniques for processing transactions. A card reading terminal device associated with an integrated circuit (IC) card issuer identifies an IC card associated with the IC card issuer and associated with a current transaction. The card reading terminal device determines that the IC card satisfies a predetermined credit payment condition. In response to determining that the IC card satisfies the predetermined credit payment condition, the card reading terminal device completes the current transaction. The card reading terminal device generates transaction information associated with the current transaction. The IC card issuer generates a deduction request that includes the transaction information associated with the current transaction. The IC card issuer sends the deduction request to a credit authorizer, wherein the credit authorizer registers a payment account of an IC card holder in advance. The IC card issuer performs a settlement with the credit authorizer for the current transaction.