CN103390320A - Method and system for processing integral data - Google Patents
Method and system for processing integral data Download PDFInfo
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- CN103390320A CN103390320A CN2012101393437A CN201210139343A CN103390320A CN 103390320 A CN103390320 A CN 103390320A CN 2012101393437 A CN2012101393437 A CN 2012101393437A CN 201210139343 A CN201210139343 A CN 201210139343A CN 103390320 A CN103390320 A CN 103390320A
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Abstract
The invention provides a method for processing integral data. The method comprises the steps of receiving a first payment request including the first transaction amount from a payment terminal, determining the integral data relevant to a payment transaction according to the first payment request, generating a second payment request including the second transaction amount on the basis of the first payment request and the integral data, and transmitting the second payment request to a transaction processing platform, wherein the first payment request comprises payment account information of a user, and the integral data and the payment account information are stored in advance in a relevant mode. The invention further provides a system for processing the integral data.
Description
Technical field
Relate generally to technical field of information processing of the present invention, and relate to particularly disposal route and the system of integration data.
Background technology
Return profit such as the consumption of the forms such as integration customary in daily life.Convert to free air ticket from the mileage that will fly and start as far back as aircraft industry, this has become a kind of important means of cultivating loyalty customer.The benefit of this strategy is apparent, not only can improve a brand's equity, simultaneously can allow the consumer think that the loyalty of oneself has obtained feedback, is to keep the most direct and effective method of loyal customer here.Therefore, this mode is generally adopted by all trades and professions institute, especially at those, has the possible industry of regular consumption, as commodity retail, food and drink etc.
In general angular quadrature scheme, product or the service of the every consumption regulation of client all can be obtained certain total mark of consumption, arrive some in score accumulation, just can exchange for such as purchase discount in future, freely receive commodity or service, the deduction consumption amount of money, thereby promotion, the status of maintaining market, win competition.Along with application class is more and more like the trade company of the consumption target rebates of integration, the integration system becomes increasingly complex, and how to guarantee that the abundant execution of Integral Rule and flexible Application are a great problems that each trade company faces.
At present; each trade company can develop own independent integral management system usually; for example integration account is set up in the client's who consumes in this trade company according to each identify label, stores each client's total mark of consumption accumulation situation and in certain period, according to corresponding rule, allows client to apply the integration that it is held.For example, in the situation that client is allowed to the integration commodity price that deducts, need at first to calculate the amount of money that can deduct in commerce system, and then according to the price of commodity that client buys, manually adjusting the amount of money that actual needs is paid, client pays by the amount of money after adjusting.Yet there is very large drawback in such mode of operation.At first, the integral and calculating of separation will make client's payment process expend the longer time, and efficiency of operation reduces, and cause simultaneously bad user to experience.Manual operation while secondly, adjusting dealing money is wasted time and energy and error easily occurs.In addition, also easily make the use of integration and update status opaque to client by the system management integration of trade company self, thereby cause unnecessary misunderstanding.Trade company when granting integration, often can provide the instrument of member card as inquiry and integration consumption to client, and this has increased again client's burden.
Therefore, for the system and method that can make client use easily and flexibly and to manage integration, very large demand is arranged.
Summary of the invention
The purpose of this invention is to provide and a kind ofly can make client enjoy expediently the method and system of the total mark of consumption preferential measure of trade company in consumption.
For achieving the above object, the invention provides a kind of disposal route of integration data, described method comprises: receive the first payment request that comprises the first dealing money from payment terminal; Determine the integration data relevant to described payment transaction according to described the first payment request; Generate based on described the first payment request and described integration data the second payment request that comprises the second dealing money; And described the second payment request is sent to transaction processing platform, wherein said the first payment request also comprises user's disbursement account information, and described integration data in advance with described disbursement account information association be stored.
Preferably, generating the second payment request that comprises the second dealing money comprises: based on described integration data, adjust described the first dealing money to obtain described the second dealing money; Described the second dealing money is stored in the dealing money territory of described the first transaction request message; And described the first dealing money is stored in the reservation territory of described the first transaction request message.
Preferably, described integration data in advance with described disbursement account information association be stored and comprise and make described disbursement account information and described user support that at each the integration data in the trade company of described disbursement account is related.
Preferably, described integration data comprises trade company's integration number and trade company's Integral Rule.
In other embodiment of the present invention, adjust described the first dealing money based on described integration data and comprise: the deduction amount of money of determining trade company's integration number according to trade company's Integral Rule; And deduct the described deduction amount of money from described the first dealing money.
Preferably, described method also is included in and upgrades described integration data after described transaction processing platform is received the payment transaction successful respond.
Preferably, upgrading described integration data comprises according to trade company's Integral Rule increase or deducts trade company's integration number.
Preferably, described method also comprises the integration number that upgrades is stored in the reservation territory of described payment transaction successful respond message.
Preferably, described integration data in advance with described disbursement account information association be stored in the situation that also is included in the payment request and periodically with the management system of described disbursement account, communicate to upgrade described integration data.
In some embodiments of the invention, described disbursement account is user's bank account, and the described disbursement account information bank's card number that is the user.
In some embodiments of the invention, described payment terminal is POS terminal or online transaction client.
The present invention also provides a kind of disposal system of integration data, and described system comprises: payment terminal, and it is arranged to the first payment request of initiating to comprise the first dealing money; The integration data processing platform, it is arranged to according to described the first payment request determines the integration data relevant to described payment transaction; And based on described the first payment request and described integration data, generate the second payment request that comprises the second dealing money; And transaction processing platform, it is arranged to from described integration data processing platform and receives described the second payment request and according to described the second payment request, complete described payment transaction; Wherein said the first payment request also comprises user's disbursement account information, and described integration data in advance with described disbursement account information association be stored.
Compared with prior art, the present invention has eliminated the trade company that needs owing in different trade companies, consuming process extraly such as integration separately and has returned the complicated processes that sharp information is brought, and make trade company easier and orderly for the management of integration data, with low cost and treatment effeciency is high.The present invention takes full advantage of extensive adopted bank transaction network in the merchant transaction process, and at trade company end and at the credit card issuer end of various bank cards, all do not need to do change on any hardware, greatly reduced cost of development and maintenance cost, very little on the impact of whole existing transaction processing network simultaneously.
Description of drawings
Aforementioned and other targets of the present invention, feature and advantage will be apparent according to following more specific description to embodiments of the invention, and these embodiment are illustrated in the accompanying drawings.
Fig. 1 schematically shows the structure according to an embodiment of integration data disposal system of the present invention.
Fig. 2 schematically shows the process flow diagram according to an embodiment of integration data disposal route of the present invention.
Embodiment
Further describe the present invention below in conjunction with the drawings and specific embodiments.Need to prove, each structure in accompanying drawing just schematically illustrates, and with so that those of ordinary skills understand principle of the present invention best, it is not necessarily drawn in proportion.
Fig. 1 schematically shows the structure according to an embodiment of integration data disposal system of the present invention.In the embodiment shown in fig. 1, as an example of POS terminal payment scene example, describe integration processing system provided by the present invention, but be understood that this is only schematically, rather than restrictive.
In the embodiment shown in fig. 1, integration data disposal system of the present invention comprises POS terminal 101 and POS front-end system 102, and this can directly utilize at present in each trade company existing POS terminal and corresponding POS front-end system to realize.In practice, it is preferential that the POS terminal 101 in Fig. 1 for example can be configured to allow customer choice whether to enjoy integration in this transaction, such as whether by existing integration certain dealing money that deducts.In this case, the cashier of trade company only needs to the account in full amount of money of POS terminal input customer need payment and according to client's indication selection, whether uses integration.In the situation that use the integration deduction consumption amount of money, POS terminal 101 can also be configured to after transaction is completed to show to client the information such as the amount of money, residue integration number of its actual delivery.
POS front-end system 102 still carries out the operations such as encryption and decryption processing, communications protocol conversion of message conversion, message substantially according to existing standard or standard.In addition, it can also be configured to processing platform to the back-end and send and how to process the relevant command signal of integration data in this is concluded the business.The back-end processing platform can be for example adjusted dealing money according to the integration number by this instruction triggers before final payment, perhaps it also can at first automatically carry out integration data and processes when the message of receiving from POS front-end system 102.
As shown in Figure 1, back-end processing platform mentioned above has comprised integration data processing platform 103 and transaction processing platform 105, and wherein transaction processing platform 105 can be the inter-bank transaction processing platform of existing banking system.Although those skilled in the art will appreciate that integration data processing platform 103 and transaction processing platform 105 are shown as two separate parts in Fig. 1, they also can integrate to realize.As shown in Figure 1, integration data processing platform 103 may be implemented as with transaction processing platform 105 and carries out data interaction by LAN (Local Area Network), but this is not restrictive.
In practice, the data between integration data processing platform 103 and POS front-end system 102 transmit and can pass through any wired or wireless modes such as mobile data network, optical fiber, telephone wire.Substantially, when the payment request of receiving from POS front-end system 102, integration data processing platform 103 can resolve and corresponding integration data is processed this message, and this will describe in detail in conjunction with Fig. 2 hereinafter.Transaction processing platform 105 will be used the payment request through revising from integration data processing platform 103 as finally carrying out the foundation of payment transaction.Take the inter-bank transaction processing platform as example, it can be resent to the system of each corresponding bank such as information such as dealing money with what from integration data processing platform 103, obtain.
Fig. 1 also shows the Web server related with integration data processing platform 103 104, and it can be arranged to the storage mass data.For the integration of centralized and unified ground flexible Application in payment transaction and each trade company of management, an importance of the present invention is that the integration information of each trade company is stored with client's disbursement account information association ground in advance.In the embodiment in figure 1, the bank account information that is about to client is stored with its integration data in each trade company relatedly.Bank account information can comprise bank's card number of each bank that client holds, and the integration information of trade company can comprise client in this trade company the integration number and the Integral Rule of this trade company, how many integrations can be used to how much amount of money etc. that deducts such as.By this way, each bank account is stored in Web server 104 accordingly with the integration data of all trade companies that support the account, and integration data processing platform 103 can be used payment account information, for example bank's card number be index find from Web server client in the trade company that transaction occurs integration data and carry out follow-up processing.In addition, integration data processing platform 103 integration data that can also be arranged to storing in Web server 104 upgrades.One skilled in the art will understand that this Web server is only schematically, within can realizing in any form and be included in integration data processing platform 103 for the device of association store payment account information and integration data.
Nowadays, bank card has become people while the consuming the most frequently used means of payment, its account by various E-Payment channels and bank gets in touch, and then through steps such as mandate, confirmations, completes transaction.For expansion and the application of large-scale market that promotes bank card business, banking institution develops the various channels of accepting energetically, constantly release how wieldy terminal, communication faster and transaction processing environment more flexibly, thereby better service is provided and consumes more easily for the user.The current existing multiple channel of accepting, such as the mechanical, electrical words payment of POS, online payment, mobile-phone payment etc., and new E-Payment channel is also constantly emerging in large numbers.By will be related with the integration data of all kinds of trade companies such as user's payment account of bank account, integration data disposal system provided by the present invention goes for comprising the various channel of disbursement of POS terminal, and does not need existing system is changed significantly.To realize being suitable for the integration data disposal system of online payment as example, only need the POS terminal in Fig. 1 and POS front-end system are replaced with the terminal such as the on-line payment such as personal computer, personal digital assistant, and integration data processing platform 103 can be configured to the payment request such as with the online message form of XML is carried out carrying out similar processing with the payment request to from the POS terminal, thereby easily realizes integration data applying flexibly and easily in merchant transaction through various channels.Below in conjunction with Fig. 2 describe in detail can be on such as integration data processing platform 103 that realize, integration data disposal route provided by the present invention.
Fig. 2 schematically shows the process flow diagram according to an embodiment of integration data disposal route of the present invention.At first, in step S201, such as the equipment of integration data processing platform 103, from the first payment that the payment terminal reception comprises the first dealing money, ask.As mentioned above, payment terminal can be for example POS terminal and front-end system thereof or such as the on-line payment terminal of personal computer.Correspondingly, POS message format or the online message format of XML can be for example adopted in described the first payment request.Described the first dealing money can be for example the account in full amount of money that the user need to pay.
In step S203, according to the first payment request, determine integration data.Take situation shown in Figure 1 as example, integration data processing platform 103 will be resolved it after the first payment request of receiving from the POS front-end system.Generally speaking, such payment request generally includes the payment account information of user when payment, and comprises the merchant information that payment transaction occurs, such as trade company number.As described hereinbefore, must the integration information in this trade company and its disbursement account information association ground storage of using with the user in advance in realization of the present invention.Thus, integration data processing platform 103 is parsing dealing money, such as after the payment account information of bank's card number and trade company number from the first payment request, can find needed integration data according to these information, wherein for example comprise user existing integration number and Integral Rule of being set by this trade company in the trade company that transaction occurs.Described Integral Rule can comprise integration how to deduct dealing money, how according to the consumption amount of money, to carry out integration cumulative etc.In order to make integration data disposal system provided by the present invention to be employed more widely, the payment account information that the user can be used, for example corresponding bank's card number and the various integration datas of this user in all trade companies that support the account of certain bank account all associate.
In step S205, after obtaining integration information or integration data by the first payment request of resolving, processing platform 103 comprises generation the second payment information of the second dealing money.In certain embodiments, processing platform 103 can for example determine according to trade company's Integral Rule the amount of money that the existing integration number of user can deduct.And then the amount of money that deducts this deduction in described the first dealing money obtains the second dealing money, usually the amount of money of namely user's actual needs payment.Adjust described the first dealing money to obtain described the second dealing money mainly in accordance with the specific Integral Rule of each trade company based on described integration data, can be as abovely with integration, to deduct, be likely also that size according to the integration number gives certain discount to the user, be determined on a case-by-case basis.
After determining the second dealing money, integration data processing platform 103 will generate the second payment request.Preferably, it can be configured to described the second dealing money is stored in the dealing money territory of message of described the first transaction request, so that follow-up transaction processing platform can be substantially in the situation that do not change original packet parsing flow process identification the second payment request.In addition, preferably the first dealing money of for example account in full dealing money can also be stored in the reservation territory of message of the first transaction request, thereby both kept original message information, and follow-up transaction processing platform had easily been differentiated through integration data processed the real trade amount of money afterwards.Such processing can realize that the change that present existing transaction system is made is as far as possible little, guarantees that simultaneously it changes the functional consistent of front and back.
In step S207, the integration data processing platform is sent to the transaction payment platform with the second payment request of its generation.In certain embodiments, the existing inter-bank transaction processing platform of banking system can be configured to send as final dealing money the second dealing money that is included in the second payment request to corresponding draw bank.For each actual bank that pays the fees, any variation can not occur in its operation.According to general treatment scheme, transaction processing platform will be returned and indicate successfully replying of payment to payment terminal after paying successfully.Yet in method and system provided by the present invention, this is replied and will at first be recycled to the integration data processing platform.After receiving successful respond, the integration data processing platform preferably can be configured to integration data is upgraded, and this can comprise according to trade company's Integral Rule correspondingly increases or deduct the integration number of user in this trade company.Certainly, in integration data processing platform and the integrated embodiment of transaction processing platform, transaction processing platform can directly be upgraded corresponding integration data.In addition, can also be in the integration number that will for example upgrade before payment terminal transmission successful respond be stored in the reservation territory of described payment transaction successful respond message, and will return to the successful respond of integration number payment terminal to the user, to show, thus make the user understand after whole transaction is completed its actual value of paying with and the integration number of current this trade company that is had.In the embodiment that adopts the POS terminal, described transaction message and response message can be for example the messages that meets the ISO8583 standard.
Preferably, described integration data in advance with described disbursement account information association be stored in the situation that also is included in the payment request and periodically with the management system of described disbursement account, communicate to upgrade described integration data.
Should be noted that above embodiment is only in order to technical scheme of the present invention to be described but not be limited.Although with reference to above-mentioned embodiment, the present invention is had been described in detail; those of ordinary skill in the art is to be understood that; still can modify or the part technical characterictic is equal to and replaces and do not break away from essence of the present invention the specific embodiment of the present invention, it all be encompassed in the scope that the present invention asks for protection.
Claims (22)
1. the disposal route of an integration data, is characterized in that, described method comprises:
Receive the first payment request that comprises the first dealing money from payment terminal;
Determine the integration data relevant to described payment transaction according to described the first payment request;
Generate based on described the first payment request and described integration data the second payment request that comprises the second dealing money; And
Described the second payment request is sent to transaction processing platform,
Wherein said the first payment request also comprises user's disbursement account information, and described integration data in advance with described disbursement account information association be stored.
2. the method for claim 1, is characterized in that, generates the second payment request that comprises the second dealing money and comprise:
Adjust described the first dealing money to obtain described the second dealing money based on described integration data;
Described the second dealing money is stored in the dealing money territory of described the first transaction request message; And
Described the first dealing money is stored in the reservation territory of described the first transaction request message.
3. method as claimed in claim 2, is characterized in that, described integration data in advance with described disbursement account information association be stored and comprise and make described disbursement account information and described user support that at each the integration data in the trade company of described disbursement account is related.
4. method as claimed in claim 3, is characterized in that, described integration data comprises trade company's integration number and trade company's Integral Rule.
5. method as claimed in claim 4, is characterized in that, adjusts described the first dealing money based on described integration data and comprise:
Determine the deduction amount of money of trade company's integration number according to trade company's Integral Rule; And
Deduct the described deduction amount of money from described the first dealing money.
6. method as claimed in claim 5, is characterized in that, described method also is included in upgrades described integration data after described transaction processing platform is received the payment transaction successful respond.
7. method as claimed in claim 6, is characterized in that, upgrades described integration data and comprise according to trade company's Integral Rule increase or deduct trade company's integration number.
8. method as claimed in claim 7, is characterized in that, described method also comprises the integration number that upgrades is stored in the reservation territory of described payment transaction successful respond message.
9. the method for claim 1, it is characterized in that, described integration data in advance with described disbursement account information association be stored in the situation that also is included in the payment request and periodically with the management system of described disbursement account, communicate to upgrade described integration data.
10. the method for claim 1, is characterized in that, described disbursement account is user's bank account, and the described disbursement account information bank's card number that is the user.
11. the method for claim 1, is characterized in that, described payment terminal is POS terminal or online transaction client.
12. the disposal system of an integration data, is characterized in that, described system comprises:
Payment terminal, it is arranged to the first payment request of initiating to comprise the first dealing money;
The integration data processing platform, it is arranged to according to described the first payment request determines the integration data relevant to described payment transaction; And based on described the first payment request and described integration data, generate the second payment request that comprises the second dealing money; And
Transaction processing platform, it is arranged to from described integration data processing platform and receives described the second payment request and according to described the second payment request, complete described payment transaction;
Wherein said the first payment request also comprises user's disbursement account information, and described integration data in advance with described disbursement account information association be stored.
13. system as claimed in claim 11, is characterized in that, generates the second payment request that comprises the second dealing money and comprise:
Adjust described the first dealing money to obtain described the second dealing money based on described integration data;
Described the second dealing money is stored in the dealing money territory of described the first transaction request message; And
Described the first dealing money is stored in the reservation territory of described the first transaction request message.
14. system as claimed in claim 13, it is characterized in that, described integration data in advance with described disbursement account information association be stored and comprise and make described disbursement account information and described user support that at each the integration data in the trade company of described disbursement account is related.
15. system as claimed in claim 14, is characterized in that, described integration data comprises trade company's integration number and trade company's Integral Rule.
16. system as claimed in claim 15, is characterized in that, adjusts described the first dealing money based on described integration data and comprise:
Determine the deduction amount of money of trade company's integration number according to trade company's Integral Rule; And
Deduct the described deduction amount of money from described the first dealing money.
17. system as claimed in claim 16, is characterized in that, described integration data processing platform also is arranged to and is upgrading described integration data after described transaction processing platform is received the payment transaction successful respond.
18. system as claimed in claim 17, is characterized in that, upgrades described integration data and comprise according to trade company's Integral Rule increase or deduct trade company's integration number.
19. method as claimed in claim 18, it is characterized in that, described integration data processing platform also is arranged in the reservation territory that the integration number that will upgrade is stored in described payment transaction successful respond message and will sends described transaction terminal to the payment transaction successful respond of the integration number that upgrades.
20. system as claimed in claim 12, it is characterized in that, described integration data in advance with described disbursement account information association be stored in the situation that also is included in the payment request and periodically with the management system of described disbursement account, communicate to upgrade described integration data.
21. system as claimed in claim 12, is characterized in that, described disbursement account is user's bank account, and the described disbursement account information bank's card number that is the user.
22. system as claimed in claim 12, is characterized in that, described payment terminal is POS terminal or online transaction client.
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| CN2012101393437A CN103390320A (en) | 2012-05-08 | 2012-05-08 | Method and system for processing integral data |
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| CN108320151A (en) * | 2018-01-26 | 2018-07-24 | 北京微油科技服务有限公司 | Method of payment and device for oiling |
| CN108564413A (en) * | 2018-04-23 | 2018-09-21 | 深圳市超智慧信息科技有限公司 | Integration managing method, equipment and computer readable storage medium |
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