CN1971640B - Method and system to realize automatically discount when using the bank card to consume - Google Patents
Method and system to realize automatically discount when using the bank card to consume Download PDFInfo
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- CN1971640B CN1971640B CN2005101106108A CN200510110610A CN1971640B CN 1971640 B CN1971640 B CN 1971640B CN 2005101106108 A CN2005101106108 A CN 2005101106108A CN 200510110610 A CN200510110610 A CN 200510110610A CN 1971640 B CN1971640 B CN 1971640B
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Abstract
A method to realize automatic discount when bushing bank card is disclosed that includes: (1) the multisectoral switching center prestores the discount rate information that the sending cards organization sign with the third appointment; (2) the self-service terminal set on the third party sends the transaction request containing the total tradable amount to the multisectoral switching center, and the multisectoral switching center calculates the holder's pay amount following the discount rate in step (1), and the holder's pay amount is as the tradable amount and send transaction request to the sending card subsystem of sending card system; (3) the multisectoral switching center receives the transaction answer returning from the sending card subsystem, save the transaction answer, and the transaction answer containing the holder's amount is returned to the third party self-service terminal. The invention just need to complete the calculation of discount rate and discount liquidation in the multisectoral switching center, it overcomes the problems that manual computation wastes time and money, and easy to make mistakes, at the same time, omits the processing procedure of redemption discount, and reduces unnecessary troubles of holders.
Description
Technical field
The present invention relates to the bank field, relate in particular to and realize the swipe the card method and system of automatic discount of bank card.
Background technology
Merchandise discount is known most consumers, and it is the basic effective weapon that the temptation consumer of trade company buys commodity.Equally, commercial bank swipes the card easily simultaneously for the holder provides, and also provides franchised business's discount etc. to make things convenient for measure, attracts the holder to use the one's own profession bank card to carry out bankcard consumption.What, trade company's margin of preference and preferential measure of franchised business of bank progressively become bank's one of main competitive method of bankcard consumption that attracts clients.
See also Fig. 1, it is the structural representation of a kind of transaction system of utilizing bank card to swipe the card in the prior art to conclude the business.It comprises trade company 11 and the hair fastener subsystem 12 that is provided with some POS machines.The discount of all kinds of trade companies that each card sending mechanism is released can be finished by trade company 11, also can be finished by hair fastener subsystem 12.Such as, when the bank card that provides with a card sending mechanism as the holder is consumed, the POS machine of trade company 11 is sent to hair fastener subsystem 12 with the transaction processing amount of money, withhold according to having calculated holder's actual needs deducted amount in advance by hair fastener subsystem 12, and the transaction processing result is back to the POS machine of trade company's subsystem 11.Also exist at present a kind of comparatively common discount method for redeeming the discount mode, be that each transaction is in advance according to the account in full processing of withholing, after reaching certain trigger condition (reaching a threshold value as dealing money), the holder directly redeems the discount that bank card brings from card sending mechanism or trade company.From application layer, mainly have following defective: at first, card sending mechanism can't in time, comprehensively be notified the holder with discount information, does not honour an agreement and causes service quality to descend thereby add trade company; Secondly, discount businessman is many more, and corresponding maintenance cost of bank and the proportional surge of expenses on publicity realize that the cost of bank card discount is higher.From technological layer, for fear of manually carrying out the problem that discount is calculated to waste time and energy and make mistakes easily,, each card sending mechanism is used for the swipe the card software of automatic discount of bank card if all developing a cover, then will cause a large amount of wastes of cost of development and maintenance cost.
See also Fig. 2, it is the structural representation of a kind of comparatively common transaction system utilizing bank card to swipe the card in the prior art to conclude the business.When acquirer and card sending mechanism do not belong to same mechanism, need be by the inter-bank switching centre 14 that provides by Unionpay or other mechanism.It comprises the hair fastener subsystem 12 of receipts list system 13, inter-bank switching centre 14 and the card sending mechanism of trade company 11, acquirer.When the POS of trade company 11 machine receives holder's transaction request, send the transaction request message to receiving list system 13, receive list system 13 and send the transaction request message to the hair fastener subsystem 12 of correspondence by inter-bank switching centre 14, handle the transaction request message by hair fastener subsystem 12, send the transaction response message by inter-bank switching centre 14.Suppose for fear of manually carrying out the problem that discount is calculated to waste time and energy and make mistakes easily, the hair fastener subsystem 12 of each card sending mechanism is all developed a cover and is used for the swipe the card software of automatic discount of bank card, not only cause a large amount of wastes of cost of development and maintenance cost, and, because each transaction message (comprising request message and response message) to the relevant discount that hair fastener subsystem 12 sends all needs to carry trade company's code, card sending mechanism information, information such as card BIN, such transaction message of handling when needs more for a long time, influence the data processing speed of whole trade network easily, even influence whole network obstruction.
Summary of the invention
The object of the present invention is to provide a kind of swipe the card method and system of automatic discount of bank card that realize, if then waste time and energy and make mistakes easily manually to carry out discount calculating in the solution prior art, if all developing a cover, the hair fastener subsystem of each card sending mechanism is used for the swipe the card software of automatic discount of bank card, not only cause a large amount of wastes of cost of development and maintenance cost, and influence the technical matters of the data processing speed of trade network.
For addressing the above problem, the invention discloses a kind of swipe the card system of automatic discount of bank card that realizes, described system comprises: the terminal front end processor that is provided with in inter-bank mechanism, the inter-bank switching centre that is connected with described terminal front end processor and each third-party self-aided terminal, the hair fastener subsystem of each card sending mechanism that is connected with described inter-bank switching centre, wherein: described terminal front end processor comprises the discount rate information memory cell at least, discount rate computing unit and interface unit, wherein: the discount rate information memory cell is used for preserving in advance the discount rate information of each card sending mechanism and third party agreement; Discount rate computing unit: calculate the button holder amount of money according to the discount rate information memory cell; Interface unit: receive the transaction request that comprises the transaction account in full amount of money that third-party self-aided terminal sends, and this transaction request is forwarded to the discount rate computing unit, and the button holder amount of money that card number information and discount rate computing unit return is sent to inter-bank switching centre, and the transaction that comprises the transaction account in full amount of money and the button holder amount of money that inter-bank switching centre returns replied is sent to third-party self-aided terminal; Inter-bank switching centre: be used for the button holder amount of money is sent transaction request as dealing money to the hair fastener subsystem of card sending mechanism, and the transaction response that the hair fastener subsystem returns is sent to interface unit.
Described terminal front end processor comprises that also a fund clears the unit automatically, calculate and return commission calculating in order to regularly to finish dealing money according to predefined return commission information, and with described funds transfer to the corresponding card sending structure, and then finish and each card sending mechanism and third-party discount clearance.
Described third-party self-aided terminal is connected to the terminal front end processor by the network control access device.
Described terminal front end processor also comprises the mistake processing unit: be used for the mistake transaction is handled according to default flow process.
The invention also discloses a kind of aforementioned system of utilizing and realize the swipe the card method of automatic discount of bank card, comprising: (1) discount rate information memory cell is preserved the discount rate information that each card sending mechanism and third party arrange in advance; (2) when being arranged on third-party self-aided terminal when the interface unit of terminal front end processor sends the transaction request that comprises the transaction account in full amount of money, the discount rate computing unit of terminal front end processor calculates the button holder amount of money according to the corresponding discount rate of setting, and will detain holder's amount of money and card number information is sent to inter-bank switching centre by interface unit, will detain holder's amount of money by inter-bank switching centre and send transaction request to the hair fastener subsystem of card sending mechanism as dealing money; (3) inter-bank switching centre receives the hair fastener subsystem and returns transaction and reply, and sends transaction to the terminal front end processor and replys, and the terminal front end processor is preserved transaction and replied, and the transaction that will comprise the button holder amount of money is replied and is back to third-party self-aided terminal.
Wherein, step (3) comprises afterwards: third-party self-aided terminal will comprise that the transaction response result of the transaction account in full amount of money and the button holder amount of money is printed and notify the holder.
Compared with prior art, the present invention has the following advantages: the present invention only needs to finish in the inter-bank switching centre of inter-bank mechanism the discount rate calculating and the discount clearance of each transaction, overcoming hand computation wastes time and energy and calculates the problem of makeing mistakes easily, simultaneously, also omit the processing procedure that the holder redeems discount, minimizing holder's a lot of unnecessary trouble is also removed card sending mechanism from and is redeemed the man power and material that discount takies for handling the holder.And, the present invention only need revise existing inter-bank mechanism, need not the existing hair fastener subsystem that every family card sending mechanism that bank card swipes the card discounted services is provided is carried out change on the software, reduced a large amount of cost of development and maintenance cost, very few to whole existing transaction processing web influence simultaneously.
Description of drawings
Fig. 1 is the structural representation of a kind of transaction system of utilizing bank card to swipe the card in the prior art to conclude the business;
Fig. 2 is the structural representation of a kind of comparatively common transaction system utilizing bank card to swipe the card in the prior art to conclude the business;
Fig. 3 is that the present invention realizes the swipe the card structural representation of a transaction system of automatic discount of bank card;
Fig. 4 is that correspondence disclosed by the invention a kind of realizes the swipe the card process flow diagram of automatic discount of bank card;
Fig. 5 is that the present invention realizes the swipe the card structural representation of another system of automatic discount of bank card;
Fig. 6 is the structural representation of automatic discounting system in Unionpay's part.
Embodiment
Below in conjunction with accompanying drawing, specify the present invention.
See also Fig. 3, it realizes a swipe the card transaction system of automatic discount of bank card for the present invention.It comprises: third party's (as each tame trade company) self-aided terminal 21, the inter-bank switching centre 22 of inter-bank mechanism, the hair fastener subsystem 23 of each tame card sending mechanism.
When the third party accepted the holder and consumes by bank card, the self-aided terminal 21 (as the POS machine) that is arranged on the third party sent transaction request to inter-bank switching centre 22, and described dealing money is the account in full amount of money of consumption.The amount of money (promptly detaining holder's amount of money) that this holder need deduct will calculate according to the discount rate of each card sending mechanism of preserving in advance and third party's agreement in inter-bank switching centre 22, and will detain holder's amount of money and be sent to hair fastener subsystem 23 processing of withholing as dealing money, result after the processing is back to inter-bank switching centre 22, inter-bank switching centre 22 will comprise that the transaction processing result of the button holder amount of money is back to self-aided terminal 21, so that self-aided terminal 21 is notified the holder.Such as: print to notify and notify the holder by consuming the account in full amount of money and the button holder amount of money to the holder or by alternate manner.And, inter-bank switching centre 22 also regularly and each tame card sending mechanism and each tame third party clear.
See also Fig. 4, it realizes the swipe the card process flow diagram of automatic discount of bank card for correspondence disclosed by the invention a kind of.It comprises:
S110: inter-bank switching centre preserves the discount rate information of each card sending mechanism and third party's agreement in advance;
S120: when being arranged on third-party self-aided terminal when inter-bank switching centre sends the transaction request that comprises the transaction account in full amount of money, the corresponding discount rate that inter-bank switching centre sets according to step S110 calculates the button holder amount of money, and card detainment person's amount of money is sent transaction request as dealing money to the hair fastener subsystem of card sending mechanism;
S130: inter-bank switching centre receives the hair fastener subsystem and returns transaction and replys, and preserve transaction and replys, and the transaction that will comprise the button holder amount of money is replied and is back to third-party self-aided terminal.
And the present invention comprises that also inter-bank switching centre regularly finishes dealing money according to predefined return commission information and calculates with return commission and calculate, and with described funds transfer to the corresponding card sending structure, and then finish and each card sending mechanism is cleared with third-party discount.
The present invention only needs to finish in the inter-bank switching centre of inter-bank mechanism the discount rate calculating and the discount clearance of each transaction, overcoming hand computation wastes time and energy and calculates the problem of makeing mistakes easily, simultaneously, also omit the processing procedure that the holder redeems discount, minimizing holder's a lot of unnecessary trouble is also removed card sending mechanism from and is redeemed the man power and material that discount takies for handling the holder.Prior art is if adopt processing bank card discount on each card sending mechanism, then not only on the hair fastener subsystem, be provided for the software of processing bank card discount, and need to existing inter-bank switching centre carry out on the software improvement (such as, each inter-bank switching centre all needs to carry merchant information in the transaction request that the hair fastener subsystem sends, information such as card BIN, need to revise the transaction request message), in addition, when every transaction bouncing busy hour, inter-bank switching centre also needs to distinguish to be to carry out the transaction request that discount handles and not to be the transaction request that need carry out the discount processing, and send the transaction request of corresponding form to the hair fastener subsystem of correspondence, cause processing speed to descend easily, even cause whole transaction processing network to hinder.And the present invention only need revise existing inter-bank mechanism, need not the existing hair fastener subsystem that every family card sending mechanism that bank card swipes the card discounted services is provided is carried out change on the software, reduced a large amount of cost of development and maintenance cost, very few to whole existing transaction processing web influence simultaneously.
Consider in existing inter-bank switching centre, to increase to be used for the swipe the card software of discount of processing bank card, might influence the work of existing inter-bank switching centre.For this reason, the applicant guarantees on the basis of stability of core component (as inter-bank switching centre) of inter-bank mechanism, increases by one and be specifically designed to the swipe the card self-aided terminal front end processor of discount of processing bank card in existing inter-bank mechanism.See also Fig. 5, it realizes the swipe the card structural representation of another system of automatic discount of bank card for the present invention.It is included in the existing inter-bank mechanism terminal front end processor 31 is set, and described terminal front end processor 31 connects inter-bank switching centres 32 and each third-party self-aided terminals 21, and described inter-bank switching centre 31 connects the hair fastener subsystem 23 of each card sending mechanism, wherein:
Terminal front end processor 31 comprises discount rate information memory cell, discount rate computing unit and interface unit at least, and the discount rate information memory cell is used for preserving in advance the discount rate information of each card sending mechanism and third party agreement; Discount rate computing unit: calculate the button holder amount of money according to the discount rate information memory cell; Interface unit: receive the transaction request that comprises the transaction account in full amount of money that third-party self-aided terminal 21 sends, and this transaction request is forwarded to the discount rate computing unit, and the button holder amount of money that the discount rate computing unit returns is sent to inter-bank switching centre 32, and the transaction that comprises the transaction account in full amount of money and the button holder amount of money that inter-bank switching centre 32 returns replied is sent to third-party self-aided terminal 21;
Inter-bank switching centre 32: be used for the card people amount of money of withholing is sent transaction request as dealing money to the hair fastener subsystem of card sending mechanism, and the transaction response that the hair fastener subsystem returns is sent to interface unit.
Described terminal front end processor 31 comprises that also a fund clears the unit automatically, calculate with return commission and calculate in order to finish dealing money information cycle according to predefined return commission, and with described funds transfer to the corresponding card sending structure, and then finish and each card sending mechanism and third-party discount clearance.Described terminal front end processor 31 also comprises the mistake processing unit: be used for mistake transaction is handled according to default flow process: such as for mistake in full, then can search former transaction, all amount of money to former transaction record carry out backwards calculation, for partial error, carry out backwards calculation etc. again according to each amount of money computing method.
Described third-party self-aided terminal 21 can be connected to terminal front end processor 31 by the network control access device.
According to above-mentioned disclosed system, it realizes that the swipe the card method flow of automatic discount of bank card is as follows:
At first, the discount rate information memory cell is preserved the discount rate information of each card sending mechanism and third party's agreement in advance;
Then, when being arranged on third-party self-aided terminal when the interface unit of terminal front end processor sends the transaction request that comprises the transaction account in full amount of money, the discount rate computing unit of terminal front end processor calculates the button holder amount of money according to the corresponding discount rate of setting, and will detain holder's amount of money and card number information (as card BIN) by interface unit and be sent to inter-bank switching centre, will detain holder's amount of money as the hair fastener subsystem transmission transaction request of dealing money by inter-bank switching centre to card sending mechanism;
Subsequently, inter-bank switching centre receives the hair fastener subsystem and returns transaction and replys, and sends transaction to the terminal front end processor and replys, and the terminal front end processor is preserved transaction and replied, and the transaction that will comprise the button holder amount of money is replied and is back to third-party self-aided terminal;
At last, self-aided terminal will be detained holder's amount of money and information such as the consumption amount of money in full etc. and print and notify the holder.
Below be example just on inter-bank switching centre of Unionpay basis, to develop automatic discounting system, the specific implementation example illustrates the present invention.
The automatic discounting system of Unionpay is on the basis of inter-bank inter-bank switching centre of Unionpay, and every brush card consumption specific card type, specific preferential ratio prior according to bank and that trade company reaches are realized conversion automatically and buckle the account service.
Bank and franchised business sign corresponding holder with after blocking consumption discount contract, for the holder of this bank when Unionpay's POS terminal is swiped the card, holder and cashier do not need to differentiate this card and whether enjoy discount rate, after the cashier imports according to dealing money is in full, system is according to the preferential discount of setting in advance, convert out button holder's actual value, and initiate the request of withholing to credit card issuer with this amount of money.After credit card issuer returns the acceptance response of withholing, system returns success replys the terminal to POS, POS end print Transaction Success is with bar, with needing to embody button holder's the actual value and (this can offer the holder with bar and be used for checking account and complaining) in full of transaction on the bar, holder's favor information will come into plain view, and realize the discount one-stop service of franchised business of bank.
See also Fig. 6, it is the structural representation of automatic discounting system in Unionpay's part.Be the smooth and easy and safety of guaranteeing that the automatic discount POS of trade company transaction inserts, Unionpay is new network control access device and the ISDN-PRI circuit of automatic discount trade company's configuration.
When the holder at automatic discount trade company place's bankcard consumption, this transaction meeting is sent to Unionpay's network control equipment by telephone line, is forwarded to Unionpay information center preposition main frame NII number by network control equipment according to transaction again.Preposition main frame on-line Application is forwarded to card sending mechanism with Transaction Information after handling, and finishes the flow process of withholing.Automatically finish dealing money calculating and return commission the day of trade and calculate, and fund is transferred to corresponding bank and institution account by clearing account.
The follow-up amount of money of mentioning of swiping the card (being that commodity are in full) is meant that the holder buys the in full of commodity, the i.e. amount of money of importing in the POS terminal.The discount (promptly detaining holder's amount of money) that the follow-up trade company of mentioning offers the holder is meant that trade company offers holder's preferential ratio.The follow-up trade company of mentioning provides bank's ratio of sharing in the benefit to be meant that trade company offers the preferential ratio of bank.Trade company provides Unionpay's ratio of sharing in the benefit to be meant that trade company offers the preferential ratio of Unionpay.
Such as: the supposition commodity price is 100 yuan, and it is that 92 foldings are preferential that trade company offers the people that holds, and consulting with credit card issuer is that 9 foldings are preferential, and shares in the benefit according to 3: 7 ratios for discount differential section Unionpay and bank, and then the value of above-mentioned each parameter is:
The holder amount of money=100.00 of swiping the card
Trade company offers holder's discount=0.92
Trade company provides bank ratio=0.014 of sharing in the benefit
Trade company provides Unionpay ratio=0.006 of sharing in the benefit
Transaction processing is as follows:
(1) transaction request is handled
A, cashier swipe the card, and the input commodity are in full;
Deliver easy request on b, the POS terminal, dealing money is in full for the commodity of cashier's input;
C, POS front end processor be according to trade company's code, issuing bank, card BIN, obtains holder's discount rate from trade company's discount information table of prior setting, and calculate the button holder amount of money and send to inter-bank switching centre;
Credit card issuer is given in d, inter-bank switching centre transmitted transaction request (dealing money is the button holder amount of money);
(2) the transaction response is handled
E, credit card issuer return transaction and reply to inter-bank switching centre;
F, inter-bank switching centre return transaction and reply the front end processor to POS, write down transaction log (comprise that commodity are in full, buckle holder's amount of money) simultaneously;
G, POS front end processor return transaction and reply to POS terminal (comprise that commodity are in full, buckle holder's amount of money);
H, POS terminal show Transaction Success, and print with bar (comprise that commodity are in full, buckle holder's amount of money);
(3), the processing of POS front end processor
Increase discount rate information memory cell (such as increasing discount merchant information table), content comprise trade company's code, credit card issuer, whether for all block BIN, card BIN, give holder's discount ratio, to Unionpay share in the benefit ratio, share in the benefit ratio, preferential Start Date, preferential Close Date to bank;
For all consumer sales, after carrying out original validity check to transaction.Obtain to holder's discount ratio according to trade company's code, credit card issuer, card BIN, and this ratio and dealing money multiplied each other obtain the button holder amount of money; Just dashing, consuming to cancel and cancel to dash and just conclude the business for consumption, need find out the button holder amount of money of former transaction;
The button holder amount of money is replaced with the dealing money that send inter-bank switching centre, and fully leave former commodity in OB privately owned territory;
After receiving the success response that inter-bank switching centre returns, when return message was given the POS terminal, dealing money be " commodity are in full ", and the transaction account number is " detaining holder's amount of money "
(4) clearance processing section
1)、TANDEM
In every day, clearance finished the file of back generation to the microcomputer end, newly-increased discount merchant information file reached and replenishes transaction file.This document produces according to the preposition newly-increased merchant information table of POS.
2), microcomputer
Receive the discount merchant information file that TANDEM gets off;
Calculate day knot according to this document above-mentioned " holder's actual delivery dealing money " with the credit card issuer capital;
Reach at present and bank's return commission distribution way calculating day knot according to this document above-mentioned " trade company's return commission amount of money " with the credit card issuer return commission amount of money;
Calculate day knot according to this document above-mentioned " trade company's amount of settlement " with trade company's fund (deduction return commission amount of money);
Bank obtains shares in the benefit and calculates monthly closing entry according to this document above-mentioned " bank receive share in the benefit ".
Modification offers the statement of account of such trade company.In the transaction part of discount credit card issuer, stem is newly-increased: discount rate, transaction details increases " discount amount " newly.Concrete pattern 2 (form is undetermined) of seeing Appendix;
Give the accounting checking chronological file of bank, " dealing money " is the button holder amount of money, and " amount of settlement " is the button holder amount of money.
(5) mistake section processes
For the mistake transaction (comprising trade company, holder) that various channels are initiated, in the stage of present manual typing, Unionpay's network needs typing trade company (or the part commodity are in full) in full; Mistake transaction (comprising trade company, holder) for various channels are initiated after head center's mistake processing platform is landed in unification in the future, needs to revise local second difference fault and pat platform; For mistake in full, former transaction is searched in suggestion, and all amount of money of former transaction record are carried out backwards calculation; For partial error, carry out backwards calculation again according to the computing method of above-mentioned each amount of money.
More than disclosed only be several specific embodiment of the present invention, but the present invention is not limited thereto, any those skilled in the art can think variation all should drop in protection scope of the present invention.Protection scope of the present invention should be defined with claims and is as the criterion.
Claims (6)
1. realize the swipe the card system of automatic discount of bank card for one kind, it is characterized in that, described system comprises: be arranged on the terminal front end processor in the inter-bank mechanism, the inter-bank switching centre that is connected with described terminal front end processor and each third-party self-aided terminal, the hair fastener subsystem of each card sending mechanism that is connected with described inter-bank switching centre, wherein:
Described terminal front end processor comprises discount rate information memory cell, discount rate computing unit and interface unit at least, and wherein: the discount rate information memory cell is used for preserving in advance the discount rate information of each card sending mechanism and third party agreement; Discount rate computing unit: calculate the button holder amount of money according to the discount rate information memory cell; Interface unit: receive the transaction request that comprises the transaction account in full amount of money that third-party self-aided terminal sends, and this transaction request is forwarded to the discount rate computing unit, and the button holder amount of money that card number information and discount rate computing unit return is sent to inter-bank switching centre, and the transaction that comprises the transaction account in full amount of money and the button holder amount of money that inter-bank switching centre returns replied is sent to third-party self-aided terminal;
Inter-bank switching centre: be used for the button holder amount of money is sent transaction request as dealing money to the hair fastener subsystem of card sending mechanism, and the transaction response that the hair fastener subsystem returns is sent to interface unit.
2. a kind of swipe the card system of automatic discount of bank card that realizes as claimed in claim 1, it is characterized in that, described terminal front end processor comprises that also a fund clears the unit automatically, calculate and return commission calculating in order to regularly to finish dealing money according to predefined return commission information, and with described funds transfer to the corresponding card sending structure, and then finish and each card sending mechanism and third-party discount clearance.
3. a kind of swipe the card system of automatic discount of bank card that realizes as claimed in claim 1 is characterized in that described third-party self-aided terminal is connected to the terminal front end processor by the network control access device.
4. a kind of swipe the card system of automatic discount of bank card that realizes as claimed in claim 1 is characterized in that described terminal front end processor also comprises the mistake processing unit: be used for the mistake transaction is handled according to default flow process.
5. one kind is utilized the described system of claim 1 to realize the swipe the card method of automatic discount of bank card, it is characterized in that, comprising:
(1) the discount rate information memory cell is preserved the discount rate information of each card sending mechanism and third party's agreement in advance;
(2) when being arranged on third-party self-aided terminal when the interface unit of terminal front end processor sends the transaction request that comprises the transaction account in full amount of money, the discount rate computing unit of terminal front end processor calculates the button holder amount of money according to the corresponding discount rate of setting, and will detain holder's amount of money and card number information is sent to inter-bank switching centre by interface unit, will detain holder's amount of money by inter-bank switching centre and send transaction request to the hair fastener subsystem of card sending mechanism as dealing money;
(3) inter-bank switching centre receives the hair fastener subsystem and returns transaction and reply, and sends transaction to the terminal front end processor and replys, and the terminal front end processor is preserved transaction and replied, and the transaction that will comprise the button holder amount of money is replied and is back to third-party self-aided terminal.
6. the swipe the card method of automatic discount of realization bank card as claimed in claim 5 is characterized in that step (3) comprises afterwards: third-party self-aided terminal will comprise that the transaction response result of the transaction account in full amount of money and the button holder amount of money is printed and notify the holder.
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| CN2005101106108A CN1971640B (en) | 2005-11-21 | 2005-11-21 | Method and system to realize automatically discount when using the bank card to consume |
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| CN2005101106108A CN1971640B (en) | 2005-11-21 | 2005-11-21 | Method and system to realize automatically discount when using the bank card to consume |
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| CN103310369B (en) * | 2010-04-15 | 2016-12-28 | 中国银联股份有限公司 | Data processing method |
| CN102521742B (en) * | 2011-12-23 | 2015-06-10 | 凌芳 | Communication method for realizing instant settlement of trade company, consumer and distributor based on bankcard system |
| CN103246996A (en) * | 2013-05-17 | 2013-08-14 | 雅酷时空科技开发（北京）有限公司 | Method, system, price enquiring system, terminal and checking system for realizing discount consumption |
| CN107025585A (en) * | 2016-01-29 | 2017-08-08 | 上海新卡说信息技术有限公司 | A kind of data platform |
| CN113421117A (en) * | 2021-06-23 | 2021-09-21 | 上海通联金融服务有限公司 | POS consumption-based real-time deduction and card-swiping method |
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| CN1971640A (en) | 2007-05-30 |
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