CONTACTLESS SMART CARD AND METHOD FOR SAME TO SUPPORT PAYMENT SERVICES OF DIFFERENT BANKS

摘要

The present invention provides a method for supporting payment services of different banks by a contactless smart card, in which the contactless smart card is bound with different accounts in different banks, so as to accomplish online transactions with the bank accounts bound with the contactless smart card by charging to the bank accounts bound with the contactless smart card to carry out a load transaction by the contactless smart card, thereby accomplishing the smart card's payment functions across multiple accounts in different banks. The method comprises the steps of: A. forming a payment system from a binding terminal, a bank host, a bank processor, a third party processor, a payment terminal and a communications network; B. establishing a binding relationship between a contactless smart card and bank accounts on the payment system; and C. accomplishing, by means of the binding relationship, payment services of the bank accounts bound with the contactless smart card by using the same.