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我正在寻找一些关于预付卡如何工作的良好技术概述。这篇文章提供了一些基本答案，但我想了解更多。

我正在帮助一个项目，我们将发行最终用户将用于支付服务费用的预付卡。我们不打算使用任何第三方处理器。我们将编写自己的软件。

谁能指点我一些技术资源，以便我可以了解有关行业标准的更多信息？我的一些问题是：

  • 帐号的标准方案是什么？

  • 条码：它们在卡激活中起任何作用吗？不只是在销售点查找商品的代码吗？

  • 卡激活：除了验证帐号是否存在于数据库中并且之前未经过验证等之外，是否还有其他功能？

  • 解锁 PIN 码：这与标记帐户已激活相同吗？

先感谢您！

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  1. The account number can be anything. Just don't use a simple incrementing number, such that it's trivial to guess account numbers.
  2. The barcode serves as a sort of UPC for the card, though it'll have both the account number, and identifying information saying "this is a card for retailer X, in the amount of $Y"
  3. The pin prevents someone from simply scanning the barcodes in bulk and "stealing" the amounts. Without the account number AND the pin, the card cannot be activated. Generally the pin is printed on the card under a scratch-off strip, or is otherwise hidden under packaging so that it can't be read without very obvious "damage" to the card or packaging.
于 2011-08-05T19:21:47.117 回答