CN106803203A - Cross-border linkage processing method and system, local and overseas credit card issuer data handling systems - Google Patents
Cross-border linkage processing method and system, local and overseas credit card issuer data handling systems Download PDFInfo
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- CN106803203A CN106803203A CN201710024843.9A CN201710024843A CN106803203A CN 106803203 A CN106803203 A CN 106803203A CN 201710024843 A CN201710024843 A CN 201710024843A CN 106803203 A CN106803203 A CN 106803203A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G06—COMPUTING; CALCULATING OR COUNTING
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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Abstract
The application provides a kind of cross-border linkage processing method and system, local and overseas credit card issuer data handling systems, and method includes：Domestic credit card issuer data handling system freezes the accrediting amount that guarantor specifies, and guarantor's credit is freezed into amount is given to residential customers outside trip；Amount is freezed according to guarantor's credit, residential customers information and guarantor's credit class bank card account relevant information generation credit data outside trip, by credit data is activation to credit card issuer data handling system overseas.Overseas credit card issuer data handling system receives credit data；State's accrediting amount overseas is obtained according to credit data, credit class bank card is provided to residential customers outside trip according to state's accrediting amount overseas；By residential customers outside trip, overseas China Telecom is associated with class bank card account with guarantor's credit class bank card account, sends association results to domestic credit card issuer data handling system.The application can realize that overseas state's credit card issuer provides overseas China Telecom's class bank card to residential customers outside trip, improve being tested with card body for overseas resident.
Description
Technical field
The application is related to a kind of bank card data process field, at more particularly to a kind of cross-border credit data linkage of bank card
Reason method and system, domestic and overseas credit card issuer data handling system.
Background technology
Resident's quantity for being resided outside current long-term trip of China, studied abroad etc. is growing, adds noncash branch in global range
Pay means it is widely available, this kind of resident's common requirements possess credit class bank card as the daily means of payment.But due to this kind of
Resident is sojourned in when overseas, is still recorded without reference local, cannot handle credit class bank card in local bank in a short time.Mesh
Method as previous be outside trip before, it is domestic handle credit class bank card and carry used overseas, but such credit class bank card
There is following deficiency：
1st, such card belongs to domestic bank, holder's refund, card routine work is handled, is made with card Resolving probiems etc.
Into puzzlement to a certain extent；Long-term cross-border transaction can also cause the costs such as extra currency conversion to holder.
2nd, the use of such card cannot form the accumulation of reference record in locality, to the long-term work outside its trip, life
Bring inconvenience.
The content of the invention
The application provides a kind of cross-border credit data linkage processing method of bank card and system, for solving in the prior art
Overseas resident cannot handle credit class bank card because not having reference and recording in a short time for China, be only capable of using the domestic credit class of China
Bank card, so as to cause China, overseas resident tests poor problem with the raising of card cost, with card body.
In order to solve the above-mentioned technical problem, a technical scheme of the application joins to provide a kind of cross-border credit data of bank card
Dynamic processing method, it is adaptable to domestic credit card issuer data handling system, including：
Freeze the accrediting amount that guarantor specifies amount of guarantee, guarantor's credit is freezed into amount is given to resident visitor outside trip
Family；
Amount, residential customers information letter related to guarantor's credit class bank card account outside trip are freezed according to guarantor's credit
Breath generation credit data, by the credit data is activation to credit card issuer data handling system overseas；
Receive outer residential customers of trip that overseas credit card issuer data handling system sends overseas China Telecom's class bank card account and
The association results of guarantor's credit class bank card account.
In the application further embodiment, also provide a kind of bank card cross-border credit data linkage processing method, it is adaptable to
Overseas credit card issuer data handling system, including：
Credit data are received, wherein, the credit data are by domestic credit card issuer data handling system according to guarantor's credit
Freeze amount, residential customers information and the generation of guarantor's credit class bank card account relevant information outside trip；
Be calculated state's accrediting amount overseas according to credit data, according to this overseas state's accrediting amount to residential customers outside trip
Provide credit class bank card；
By residential customers outside trip, overseas China Telecom is associated with class bank card account with guarantor's credit class bank card account, will
Association results are sent to domestic credit card issuer data handling system.
In the application further embodiment, a kind of domestic credit card issuer data handling system is also provided, including：
Guarantor's accrediting amount freezes module, the accrediting amount of amount of guarantee is specified for freezing guarantor, by guarantor
Credit freezes amount and is given to residential customers outside trip；
Credit data generation module, for freezing amount according to guarantor's credit, residential customers information and guarantor outside trip
Credit class bank card account relevant information generates credit data；
Local and overseas data linkage modules, for by the credit data is activation to credit card issuer data handling system overseas；Connect
Receive outer residential customers of trip that overseas credit card issuer data handling system sends overseas China Telecom's class bank card account and guarantor's credit
The association results of class bank card account.
In the application further embodiment, a kind of credit card issuer data handling system overseas is also provided, including：
Local and overseas data linkage modules, for receiving credit data, wherein, the credit data are by domestic credit card issuer data
Processing system freezes amount, residential customers information letter related to guarantor's credit class bank card account outside trip according to guarantor's credit
Breath generation；
Examination ＆ verification overseas is opened an account module, for being calculated state's accrediting amount overseas according to credit data, according to the overseas state
The accrediting amount provides credit class bank card to residential customers outside trip；
Relating module, for by overseas China Telecom's class bank card account and the guarantor's credit class bank card of residential customers outside trip
Account is associated, and is sent to domestic credit card issuer data handling system association results by the local and overseas data linkage modules.
In the application further embodiment, also provide a kind of bank cross-border credit data linkage processing system, including：
Domestic credit card issuer data handling system described in above-described embodiment；Credit card issuer data overseas described in above-described embodiment
Processing system；And bank's dedicated network, for being domestic credit card issuer data handling system and the system of credit card issuer data processing overseas
System communication provides passage.
The accrediting amount of the outer domestic guarantor of residential customers of trip can be utilized by technical scheme, by within the border,
The shared linkage of the data of bank's credit overseas, can realize that overseas state's credit card issuer is to the overseas China Telecom's class of residential customers granting outside trip
Bank card, improves the accumulative speed of state's collage-credit data overseas, reduces resident overseas and, with the cost of credit class bank card, improves overseas
Resident's is tested with card body.
Brief description of the drawings
In order to illustrate more clearly of the technical scheme in the embodiment of the present application, below will be to make needed for embodiment description
Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present application, for
For those of ordinary skill in the art, on the premise of not paying creative work, other can also be obtained according to these accompanying drawings
Accompanying drawing.
Fig. 1 is the cross-border credit data of bank card that the embodiment of the application one is described from domestic credit card issuer data handling system side
Linkage processing method flow chart；
Fig. 2 is the cross-border credit number of bank card that another embodiment of the application is described from domestic credit card issuer data handling system side
According to linkage processing method flow chart；
Fig. 3 is the cross-border credit data of bank card that the embodiment of the application one is described from credit card issuer data handling system side overseas
Linkage processing method flow chart；
Fig. 4 is the cross-border credit number of bank card that another embodiment of the application is described from credit card issuer data handling system side overseas
According to linkage processing method flow chart；
Fig. 5 is the domestic credit card issuer data handling system structure chart of the embodiment of the application one；
Fig. 6 is the domestic credit card issuer data handling system structure chart of another embodiment of the application；
Fig. 7 is the embodiment of the application one credit card issuer data handling system structure chart overseas；
Fig. 8 is another embodiment of the application credit card issuer data handling system structure chart overseas；
Fig. 9 is the cross-border credit data linkage processing system pie graph of the embodiment bank card of the application one.
Specific embodiment
In order that the technical characterstic and effect of the application are more obvious, the technical scheme to the application is done below in conjunction with the accompanying drawings
Further illustrate, the application can also there are other different instantiations to be illustrated or implement, any those skilled in the art
The equivalents done within the scope of the claims belong to the protection category of the application.
It is that guarantor must hold credit class bank card in domestic credit card issuer as the premise of guarantor in the application, and
Possess a number of accrediting amount, the accrediting amount is assured residential customers outside trip enough.
As shown in figure 1, the bank card that Fig. 1 is the embodiment of the application one to be described from domestic credit card issuer data handling system side across
Border credit data linkage process flow figure.The application is passed through using the accrediting amount of the domestic guarantor of residential customers outside trip
Within the border, the shared linkage of the data of bank's credit overseas, can realize that overseas state's credit card issuer provides state overseas to residential customers outside trip
Credit class bank card.
Specifically, the cross-border credit data linkage processing method bag of bank card of domestic credit card issuer data handling system side description
Include：
Step 101：Freeze the accrediting amount that guarantor specifies amount of guarantee, amount is freezed into guarantor's credit and is given to trip
Outer residential customers.
Guarantor's accrediting amount is to determine that collage-credit data is by domestic credit card issuer data handling system according to its collage-credit data
Obtained from domestic credit investigation system.Domestic credit investigation system is mainly responsible for carrying out reference behavioral data to inhabitant according to China's policy
Collection, its implementation is to carry out system docking by credit information services such as file interface and domestic the People's Bank, the Ministry of Public Security, periodically
The reference information of inhabitant is acquired and updated.
Step 102：Amount is freezed according to guarantor's credit, residential customers information and guarantor's credit class bank card account outside trip
Family relevant information generation credit data, by the credit data is activation to credit card issuer data handling system overseas.
Specifically：The accrediting amount that credit data are freezed including guarantor, guarantor's accounts information (such as bank's card number,
Guarantor's identification card number) and trip outside residential customers information (such as identification card number).During specific implementation, credit data may also include image
The credit relevant information such as proof data.
Step 103：Receive residential customers overseas class bank of China Telecom outside the trip that overseas credit card issuer data handling system sends
The association results of card account and guarantor's credit class bank card account.So that guarantor can be by guarantor's credit class bank card
To client outside trip, overseas China Telecom is refunded with class bank card.
During specific implementation, above-mentioned steps 101 also included before the accrediting amount of the specified amount of guarantee of guarantor is freezed：
The reference record of residential customers outside guarantor and trip is verified, blacklist inspection, qualification examination is such as carried out；Verify load
Whether the accrediting amount of guarantor meets the accrediting amount requirement that residential customers outside trip handle credit class bank card overseas；Verify load
Whether the credit card items state and the accrediting amount that guarantor holds are normal；If verification all passes through, freeze guarantor and specify load
The accrediting amount of insurance money volume.
In the application further embodiment, as shown in Fig. 2 the bank card of domestic credit card issuer data handling system side is cross-border awarding
Letter data linkage processing method also includes：
Step 104：Amount is freezed in request adjustment guarantor's credit according to guarantor, sends residential customers credit volume outside trip
Adjust instruction to credit card issuer data handling system overseas is spent, to ensure domestic guarantor with trip's outskirt people client accrediting amount overseas
It is synchronous.
During implementation, guarantor's identity information is first checked, and inquire about the history number that guarantor's credit card account credit is freezed
According to.After inspection passes through, then guarantor's credit is freezed into amount and is adjusted to designated value, and update credit to freeze historical record and correlation
Data resource.
In the application further embodiment, refer to again shown in Fig. 2, the bank card of domestic credit card issuer data handling system side
Cross-border credit data linkage processing method also includes：
Step 105：Receive guarantor's credit that overseas credit card issuer data handling system sends and freeze amount adjust instruction, root
Freeze the adjustment guarantor's credit of amount adjust instruction according to guarantor's credit and freeze amount.
Amount adjust instruction is freezed in guarantor's credit can reflect that amount is freezed in guarantor's credit, be awarded according to residential customers outside trip
Letter amount determines.
During implementation, guarantor's identity information is first checked, and inquire about the history number that guarantor's credit card account credit is freezed
According to.After inspection passes through, the adjustment guarantor's credit of amount adjust instruction is freezed according to guarantor's credit and freezes amount, and update credit
Freeze historical record and related data resource.After the completion of adjustment, adjustment result is sent to credit card issuer data handling system overseas, it is complete
Into credit data syn-chronization.
In the application further embodiment, refer to again shown in Fig. 2, the bank card of domestic credit card issuer data handling system side
Cross-border credit data linkage processing method also includes：
Step 106：Reception guarantor's credit that overseas credit card issuer data handling system sends is freezed amount and is released order, root
According to guarantor's credit freeze amount release order by guarantor's credit freeze amount discharge.
During implementation, guarantor's identity information is first checked, and inquire about the history number that guarantor's credit card account credit is freezed
According to.After inspection passes through, amount is freezed in release guarantor's credit, and updates related data resource, terminates the life of credit data linkage
The life cycle.After release is successfully completed, releasing result is sent to credit card issuer data handling system overseas, complete credit data syn-chronization.
It should be noted that 104~step 106 of above-mentioned steps is merely to illustrate technical scheme, the application is to it
Specific implementation order is not limited.
As shown in figure 3, Fig. 3 is that the bank card that the embodiment of the present application is described from credit card issuer data handling system side overseas is cross-border
Credit data linkage process flow figure.The present embodiment is by domestic, the shared linkage of the data of bank's credit overseas, Neng Goushi
Now overseas state's credit card issuer provides China Telecom's class bank card overseas to residential customers outside trip.Specifically, including：
Step 301：Credit data are received, wherein, the credit data are by domestic credit card issuer data handling system according to load
Amount is freezed in guarantor's credit, residential customers information and the generation of guarantor's credit class bank card account relevant information outside trip.
During specific implementation, credit data information also including image proof data etc..
Step 302：Be calculated state's accrediting amount overseas according to credit data, according to this overseas state's accrediting amount to trip outside
Residential customers provide credit class bank card.
Step 303：By overseas China Telecom's class bank card account and the guarantor's credit class bank card account of residential customers outside trip
It is associated, association results are sent to domestic credit card issuer data handling system.
In the application further embodiment, also include after step 303：Overseas China Telecom is silver-colored with class for residential customers outside collection trip
The reference record that row card is formed, and send it in the credit investigation system of state overseas (step 307).
The present embodiment can make residential customers outside trip obtain China Telecom's class bank card overseas as early as possible, improve state's reference number overseas
According to accumulative speed, reduce resident overseas and with the cost of credit class bank card, improve being tested with card body for overseas resident.
In the application further embodiment, as shown in figure 4, overseas the bank card of credit card issuer data handling system side is cross-border awarding
Letter data linkage processing method also includes：
Step 304：Residential customers accrediting amount adjust instruction outside the trip that domestic credit card issuer data handling system sends is received,
According to residential customers overseas state's accrediting amount outside residential customers accrediting amount adjust instruction adjustment trip outside the trip.
During implementation, after having adjusted, related data resource is also updated, be sent to domestic credit card issuer data handling system and adjusted
As a result, credit data syn-chronization is completed.
In the application further embodiment, Fig. 4 is referred to again, overseas the bank card of credit card issuer data handling system side is cross-border
Credit data linkage processing method also includes：
Step 305：Outer residential customers of request adjustment trip according to residential customers outside trip overseas state's accrediting amount, sends and assures
Amount adjust instruction to domestic credit card issuer data handling system (credit data linkage), the domestic hair fastener of synchronous adjustment are freezed in people's credit
Amount is freezed in the credit of guarantor in row data handling system.
In the application further embodiment, Fig. 4 is referred to again, overseas the bank card of credit card issuer data handling system side is cross-border
Credit data linkage processing method also includes：
Step 306：Outer residential customers of request release trip according to residential customers outside trip overseas state's accrediting amount, sends and assures
People's credit is freezed amount and is released order to domestic credit card issuer data handling system.
During implementation, first will outside the trip of inspection residential customers identity information, check whether accrediting amount service condition meets and release
Put condition.After inspection passes through, amount is freezed in release guarantor's credit, and updates related data resource, terminates credit data linkage
Life cycle.
The present embodiment can terminate for risk control, arrival credit class bank card useful life, holder's initiative
Credit class bank card etc., credit class bank card and award that overseas credit card issuer data handling system can be held to trip outskirt people client
Letter amount is reclaimed.
It should be noted that 304~step 306 of above-mentioned steps is merely to illustrate technical scheme, the application is to it
Specific implementation order is not limited.
A kind of domestic credit card issuer data handling system and border are additionally provided based on same inventive concept, in the embodiment of the present application
Outer hair fastener row data processing system, as described in the following examples.Due to the principle and method phase of the two system solve problems
Seemingly, therefore domestic credit card issuer data handling system and the implementation of credit card issuer data handling system overseas may refer to the above method
Implement, repeat part and repeat no more.
As shown in figure 5, domestic credit card issuer data handling system structure charts of the Fig. 5 for the embodiment of the present application.The present embodiment is carried
The domestic credit card issuer data handling system for supplying can be realized the function of each part in the way of functional module by software, run on meter
On calculation machine, specifically, including：
Guarantor's accrediting amount freezes module 501, and the accrediting amount of amount of guarantee is specified for freezing guarantor, will assure
People's credit freezes amount and is given to residential customers outside trip.
Credit data generation module 502, for freezing amount according to guarantor's credit, residential customers information and guarantee outside trip
People's credit class bank card account relevant information generates credit data.
Local and overseas data linkage modules 503, for by the credit data is activation to credit card issuer data handling system overseas；
Overseas China Telecom's class bank card account and guarantor believe to receive residential customers outside the trip that overseas credit card issuer data handling system sends
With the association results of class bank card account.
During specific implementation, communication between domestic credit card issuer data handling system and overseas credit card issuer data handling system by
Bank's dedicated network realizes that the form that bank's dedicated network is used to be responsible for transmission data is changed, sent, receiver communication pipe
Reason.
The domestic credit card issuer data handling system that the present embodiment is provided utilizes the credit of the domestic guarantor of residential customers outside trip
Amount, can realize domestic, the shared linkage of the data of bank's credit overseas.
In the further example of the application, as shown in fig. 6, domestic credit card issuer data handling system also includes：
Module 504 of opening an account is witnessed, the reference for verifying residential customers outside guarantor and trip is recorded, and verifies awarding for guarantor
Whether letter amount meets the accrediting amount requirement that residential customers outside trip handle credit class bank card overseas；If verify all led to
Cross, then start guarantor's accrediting amount and freeze the accrediting amount that module 501 freezes the specified amount of guarantee of guarantor.
In the further example of the application, Fig. 6 is referred to again, domestic credit card issuer data handling system also includes：
Guarantor's accrediting amount adjusting module 505, amount is freezed for adjusting guarantor's credit according to the request of guarantor,
At residential customers accrediting amount adjust instruction to credit card issuer data overseas outside the local and overseas data linkage modules transmission trips
Reason system.
During implementation, guarantor's accrediting amount adjusting module 505 is additionally operable to by the local and overseas data linkage modules
503 receive guarantor's credit that overseas credit card issuer data handling system sends freezes amount adjust instruction, is awarded according to the guarantor
Letter freezes the adjustment guarantor's credit of amount adjust instruction and freezes amount.
In the further example of the application, Fig. 6 is referred to again, domestic credit card issuer data handling system also includes：
Guarantor's accrediting amount release module 506, is overseas sent out for being received by the local and overseas data linkage modules 503
Guarantor's credit that card row data handling system sends is freezed amount and is released order, and amount release is freezed according to guarantor's credit
Guarantor's credit is freezed amount release by instruction.
The domestic credit card issuer data handling system that the application is provided can be according to the demand of residential customers outside guarantor and trip
Freeze amount to credit to be adjusted, improve Consumer's Experience.
As shown in fig. 7, overseas credit card issuer data handling system structure charts of the Fig. 7 for the embodiment of the present application.The present embodiment is carried
The data handling system of credit card issuer overseas for supplying can be realized the function of each part in the way of functional module by software, run on meter
On calculation machine, specifically, including：
Local and overseas data linkage modules 701, for receiving credit data, wherein, the credit data are by domestic credit card issuer
Data handling system freezes amount according to guarantor's credit, residential customers information and guarantor's credit class bank card account phase outside trip
Pass information generation.
Module 702 of opening an account overseas is audited, for being calculated state's accrediting amount overseas according to credit data, according to this overseas
State's accrediting amount provides credit class bank card to residential customers outside trip.
Relating module 703, for overseas China Telecom to be silver-colored with class bank card account and guarantor's credit class by residential customers outside trip
Row card account is associated, and is sent to domestic credit card issuer data association results by the local and overseas data linkage modules 701
Reason system.
The data handling system of credit card issuer overseas that the present embodiment is provided can be according to the domestic guarantor's of residential customers outside trip
The accrediting amount realizes that overseas state's credit card issuer provides China Telecom's class bank card overseas to residential customers outside trip.
In the application further embodiment, as shown in figure 8, overseas credit card issuer data handling system also includes：
Client's accrediting amount adjusting module 704, for receiving domestic hair fastener by the local and overseas data linkage modules 701
Residential customers accrediting amount adjust instruction outside the trip that row data handling system sends, adjusts according to the residential customers accrediting amount outside the trip
Residential customers overseas state's accrediting amount outside whole instruction adjustment trip.
During implementation, client's accrediting amount adjusting module 704 is additionally operable to adjust trip Wai Ju according to the request of residential customers outside trip
People client's overseas state's accrediting amount, sends guarantor's credits and freezes amount and adjust by the local and overseas data linkage modules 701
Instruct to domestic credit card issuer data handling system.
In the application further embodiment, Fig. 8 is referred to again, overseas credit card issuer data handling system also includes：
Client's accrediting amount release module 705, for residential customers border outside the request release trip according to residential customers outside trip
The foreign accrediting amount, freezes amount and releases order to border by the local and overseas transmission of data linkage modules 701 guarantor's credits
Interior credit card issuer data handling system.
In the application further embodiment, Fig. 8 is referred to again, overseas credit card issuer data handling system also includes：Overseas levy
Letter acquisition module 706, for the reference that overseas China Telecom's class bank card is formed of residential customers outside the trip of collection record, and is sent to
Into the credit investigation system of state overseas.
The data handling system of credit card issuer overseas provided by the application can realize that overseas state's credit card issuer is to resident outside trip
Client provides China Telecom's class bank card overseas, improves the accumulative speed of state's collage-credit data overseas, reduces resident overseas and uses credit class
The cost of bank card, improves resident overseas and is tested with card body.
As shown in figure 9, the application also provides a kind of bank cross-border credit data linkage processing system, specifically, the system
Including：Domestic credit card issuer data handling system 10 described in any of the above-described embodiment；Hair overseas described in any of the above-described embodiment
Card row data handling system 20；And bank's dedicated network.Bank's dedicated network is used to be domestic credit card issuer data handling system
And credit card issuer data handling system communication overseas provides passage, its underlying physical structure is internet, special using banking system
Switching and cipher mode ensure communication security.
During specific implementation, domestic credit card issuer data handling system 10 is docked with domestic credit investigation system 40, is assured for obtaining
The reference information of residential customers outside people and trip.Overseas credit card issuer data handling system 20 is docked with credit investigation system 30 overseas, is used for
The reference record that residential customers credit class bank card outside trip is formed is sent into credit investigation system 30 overseas.
Compared with resident handles the method for credit class bank card outside existing long-term trip, the application have following effect with
Advantage：
1. can be rapidly that resident locally handles the credit class bank card with local reference effect overseas outside long-term trip；
2. outside long-term trip resident holder's routine work handle, with card Resolving probiems can directly overseas, locality be carried out；
3. resident holder is domestic transaction in transaction local overseas outside long-term trip, does not result in extra cross-border transaction
Expense；
4. resident holder has the independent accrediting amount outside long-term trip；On the other hand, in risk control, local and overseas hair fasteners
Row can carry out the risk control of accrediting amount adjustment to the holder for not having reference ability temporarily, and guarantor is not to there is reference temporarily
The holder of ability can also carry out the risk control of accrediting amount adjustment；
If 5. good with card reference, resident holder can be promoted long-term trip outside in the accumulation that overseas local reference is recorded,
To the long-term work outside its trip, life, even following colonization provides facility in advance.
It should be understood by those skilled in the art that, embodiments herein can be provided as method, system or computer program
Product.Therefore, the application can be using the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.And, the application can be used and wherein include the computer of computer usable program code at one or more
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) is produced
The form of product.
The application is the flow with reference to method, equipment (system) and computer program product according to the embodiment of the present application
Figure and/or block diagram are described.It should be understood that every first-class during flow chart and/or block diagram can be realized by computer program instructions
The combination of flow and/or square frame in journey and/or square frame and flow chart and/or block diagram.These computer programs can be provided
The processor of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced for reality by the instruction of computer or the computing device of other programmable data processing devices
The device of the function of being specified in present one flow of flow chart or multiple one square frame of flow and/or block diagram or multiple square frames.
These computer program instructions may be alternatively stored in can guide computer or other programmable data processing devices with spy
In determining the computer-readable memory that mode works so that instruction of the storage in the computer-readable memory is produced and include finger
Make the manufacture of device, the command device realize in one flow of flow chart or multiple one square frame of flow and/or block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that in meter
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented treatment, so as in computer or
The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in individual square frame or multiple square frames.
The above is merely to illustrate the technical scheme of the application, any those of ordinary skill in the art can without prejudice to
Spirit herein and under the scope of, above-described embodiment is modified and is changed.Therefore, the rights protection scope of the application should be regarded
Right is defined.
Claims (21)
1. the cross-border credit data linkage processing method of a kind of bank card, it is characterised in that including：
Freeze the accrediting amount that guarantor specifies amount of guarantee, amount is freezed into guarantor's credit and is given to residential customers outside trip；
Amount is freezed according to guarantor's credit, residential customers information and the life of guarantor's credit class bank card account relevant information outside trip
Into credit data, by the credit data is activation to credit card issuer data handling system overseas；
Receive residential customers China Telecom's class bank card account and guarantee overseas outside the trip that overseas credit card issuer data handling system sends
The association results of people's credit class bank card account.
2. the cross-border credit data linkage processing method of bank card as claimed in claim 1, it is characterised in that freeze guarantor and refer to
Also include before the accrediting amount for determining amount of guarantee：
The reference record of residential customers outside guarantor and trip is verified, whether the accrediting amount for verifying guarantor meets resident visitor outside trip
The accrediting amount requirement of credit class bank card is handled overseas in family；
If verification all passes through, freeze the accrediting amount that guarantor specifies amount of guarantee.
3. the cross-border credit data linkage processing method of bank card as claimed in claim 1, it is characterised in that also include：According to
Amount is freezed in request adjustment guarantor's credit of guarantor, sends outside trip residential customers accrediting amount adjust instruction to hair fastener overseas
Row data handling system.
4. the cross-border credit data linkage processing method of bank card as claimed in claim 3, it is characterised in that also include：Receive
Amount adjust instruction is freezed in guarantor's credit that overseas credit card issuer data handling system sends, and volume is freezed according to guarantor's credit
Amount is freezed in degree adjust instruction adjustment guarantor's credit.
5. the cross-border credit data linkage processing method of bank card as claimed in claim 1, it is characterised in that also include：Receive
Guarantor's credit that overseas credit card issuer data handling system sends is freezed amount and is released order, and volume is freezed according to guarantor's credit
Degree to release order and freeze amount release by guarantor's credit.
6. the cross-border credit data linkage processing method of a kind of bank card, it is characterised in that including：
Credit data are received, wherein, the credit data are freezed by domestic credit card issuer data handling system according to guarantor's credit
Residential customers information and guarantor's credit class bank card account relevant information are generated outside amount, trip；
Be calculated state's accrediting amount overseas according to credit data, according to this overseas state's accrediting amount to residential customers granting outside trip
Credit class bank card；
By residential customers outside trip, overseas China Telecom is associated with class bank card account with guarantor's credit class bank card account, will be associated
Result is sent to domestic credit card issuer data handling system.
7. the cross-border credit data linkage processing method of bank card as claimed in claim 6, it is characterised in that also include：Receive
Residential customers accrediting amount adjust instruction outside the trip that domestic credit card issuer data handling system sends, awards according to residential customers outside the trip
Residential customers overseas state's accrediting amount outside letter amount adjust instruction adjustment trip.
8. the cross-border credit data linkage processing method of bank card as claimed in claim 7, it is characterised in that also include：According to
The outer residential customers of request adjustment trip of residential customers overseas state's accrediting amount outside trip, sends guarantor's credit and freezes amount and adjust to refer to
Make to domestic credit card issuer data handling system.
9. the cross-border credit data linkage processing method of bank card as claimed in claim 6, it is characterised in that also include：According to
The outer residential customers of request release trip of residential customers overseas state's accrediting amount outside trip, sends guarantor's credit and freezes amount and discharge to refer to
Make to domestic credit card issuer data handling system.
10. the cross-border credit data linkage processing method of bank card as claimed in claim 6, it is characterised in that also include：Collection
The residential customers reference that overseas China Telecom's class bank card is formed record outside trip, and send it to the credit investigation system of state overseas.
A kind of 11. domestic credit card issuer data handling systems, it is characterised in that including：
Guarantor's accrediting amount freezes module, the accrediting amount of amount of guarantee is specified for freezing guarantor, by guarantor's credit
Freeze amount and be given to residential customers outside trip；
Credit data generation module, for freezing amount according to guarantor's credit, residential customers information and guarantor's credit outside trip
Class bank card account relevant information generates credit data；
Local and overseas data linkage modules, for by the credit data is activation to credit card issuer data handling system overseas；Receive border
Overseas China Telecom is silver-colored with class bank card account and guarantor's credit class for residential customers outside the trip that outer hair fastener row data processing system sends
The association results of row card account.
12. domestic credit card issuer data handling systems as claimed in claim 11, it is characterised in that also include：
Module of opening an account is witnessed, the reference for verifying residential customers outside guarantor and trip is recorded, and verifies the accrediting amount of guarantor
Whether accrediting amount requirement that trip outside residential customers overseas handle credit class bank card is met；If verification all passes through, open
Move guarantor's accrediting amount and freeze the accrediting amount that module freezes the specified amount of guarantee of guarantor.
13. domestic credit card issuer data handling systems as claimed in claim 11, it is characterised in that also include：
Guarantor's accrediting amount adjusting module, freezes amount, by institute for adjusting guarantor's credit according to the request of guarantor
State local and overseas data linkage modules and send outside trips residential customers accrediting amount adjust instruction to credit card issuer data handling system overseas.
14. domestic credit card issuer data handling systems as claimed in claim 13, it is characterised in that guarantor's accrediting amount
Adjusting module is additionally operable to receive the guarantee that overseas credit card issuer data handling system sends by the local and overseas data linkage modules
Amount adjust instruction is freezed in people's credit, freezes the adjustment guarantor's credit of amount adjust instruction according to guarantor's credit and freezes volume
Degree.
15. domestic credit card issuer data handling systems as claimed in claim 11, it is characterised in that also include：
Guarantor's accrediting amount release module, for being received at credit card issuer data overseas by the local and overseas data linkage modules
Guarantor's credit that reason system sends is freezed amount and is released order, and freezes amount according to guarantor's credit and releases order and will assure
Amount release is freezed in people's credit.
16. one kind overseas credit card issuer data handling system, it is characterised in that including：
Local and overseas data linkage modules, for receiving credit data, wherein, the credit data are by domestic credit card issuer data processing
System freezes amount according to guarantor's credit, residential customers information and the life of guarantor's credit class bank card account relevant information outside trip
Into；
Module of opening an account overseas is audited, for being calculated state's accrediting amount overseas according to credit data, according to state's credit overseas
Amount provides credit class bank card to residential customers outside trip；
Relating module, for by overseas China Telecom's class bank card account and the guarantor's credit class bank card account of residential customers outside trip
It is associated, association results are sent to domestic credit card issuer data handling system by the local and overseas data linkage modules.
17. credit card issuer data handling systems overseas as claimed in claim 16, it is characterised in that also include：
Client's accrediting amount adjusting module, for receiving domestic credit card issuer data processing by the local and overseas data linkage modules
Residential customers accrediting amount adjust instruction outside the trip that system sends, adjusts according to residential customers accrediting amount adjust instruction outside the trip
Residential customers overseas state's accrediting amount outside trip.
18. credit card issuer data handling systems overseas as claimed in claim 17, it is characterised in that client's accrediting amount is adjusted
Mould preparation block is additionally operable to according to the outer residential customers of request adjustment trip of residential customers outside trip overseas state's accrediting amount, by it is described within the border
Outer data linkage module sends guarantor's credit and freezes amount adjust instruction to domestic credit card issuer data handling system.
19. credit card issuer data handling systems overseas as claimed in claim 16, it is characterised in that also include：
Client's accrediting amount release module, for residential customers state's credit overseas outside the request release trip according to residential customers outside trip
Amount, freezes amount and releases order to domestic credit card issuer data by local and overseas data linkage modules transmission guarantor's credits
Processing system.
20. credit card issuer data handling systems overseas as claimed in claim 16, it is characterised in that also include：Overseas reference is adopted
Collection module, for the reference that overseas China Telecom's class bank card is formed of residential customers outside the trip of collection record, and sends it to overseas
In the credit investigation system of state.
A kind of 21. cross-border credit data linkage processing systems of bank, it is characterised in that including：
Domestic credit card issuer data handling system described in any one of claim 11 to 15；
Credit card issuer data handling system overseas described in any one of claim 16 to 20；And
Bank's dedicated network, for being that domestic credit card issuer data handling system and credit card issuer data handling system communication overseas are provided
Passage.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710024843.9A CN106803203A (en) | 2017-01-13 | 2017-01-13 | Cross-border linkage processing method and system, local and overseas credit card issuer data handling systems |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710024843.9A CN106803203A (en) | 2017-01-13 | 2017-01-13 | Cross-border linkage processing method and system, local and overseas credit card issuer data handling systems |
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| Publication Number | Publication Date |
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| CN106803203A true CN106803203A (en) | 2017-06-06 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201710024843.9A Pending CN106803203A (en) | 2017-01-13 | 2017-01-13 | Cross-border linkage processing method and system, local and overseas credit card issuer data handling systems |
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Application publication date: 20170606 |