CN101377864B - System and method for processing various types data by bank cards - Google Patents
System and method for processing various types data by bank cards Download PDFInfo
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- CN101377864B CN101377864B CN2008102162170A CN200810216217A CN101377864B CN 101377864 B CN101377864 B CN 101377864B CN 2008102162170 A CN2008102162170 A CN 2008102162170A CN 200810216217 A CN200810216217 A CN 200810216217A CN 101377864 B CN101377864 B CN 101377864B
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Abstract
The invention discloses a system for processing a plurality of types of data on a bank card. A background processing system and a front-end processing system are connected with a counter operation system in turn; a data processing system arranged in the background processing system comprises a first data processing system, a second data processing system and a third data processing system; an internal timing device comprises a first timing device and a second timing device. The invention further discloses a method for processing a plurality of types of data on the bank card. The method comprises the following steps: the counter operation system transfers data to the background processing system; the background processing system determines the type of the data; the background processing system relates the data to the data processing system according to the determination result; the background processing system and the counter operation system process data. By adopting the system and the method, a plurality of types of data can be automatically processed continuously on the bank card; not only different accounts can be related to through the preset requirements, but also repayment can be made automatically, thus reducing the operation links.
Description
Technical field
The present invention relates to a kind of system and disposal route thereof of on bank card, carrying out the polytype data processing.
Background technology
Usually, along with the development of computing machine, increasing computer technology is applied to civilian, and the correlation technique that relevant data is handled has obtained very big development.
Each bank has released the bank card that the data distinct methods is handled at present, as debit card, credit card etc.Because technology limitation, the bank card that has multiple function at present is actually rare.
Chinese invention patent instructions (application number: 200610025314.2) disclose a kind of multifunction bank card system and implementation method, it is discussed below in summary: " the invention provides a kind of multifunction bank card system and implementation method; belong to the consumer electronic device field, be specifically related to be applied to the bank card and the corollary system of financial business.This multifunction bank card system comprises: multifunction bank card, correspondent bank card, client, server, transmission network.In use, the user need apply for multifunction bank card and other bank cards, sets up association, becomes the correspondent bank card.Then, as long as read multifunction bank card and input the password of specific bank card, can start the specific bank card by client.Multifunction bank card system provided by the present invention and its implementation are by the function of a plurality of bank cards that a bank card is given, for the user has brought convenience." multifunction bank card system that this invention proposed, input password by the client, start specific bank card.The limitation of this invention is that debit account and credit account's information does not have relevance, that is to say that when the debit account of main frame association need be associated with relevant credit account, the method for this disclosure of the Invention can't realize.
(publication number: CN101071520A) disclose a kind of method that realizes debit and credit function on same bank card simultaneously, it is discussed below in summary the Chinese invention patent ublic specification of application: " the invention provides a kind of method that realizes debit and credit function on same bank card simultaneously.May further comprise the steps: at first, client terminal judges that bank card is whether legal and read Transaction Informations such as sending card number to main frame; Then, main frame is judged the classification of the financial transaction of customer selecting; Then, main frame selects to be associated with debit account or credit account according to preestablishing; At last, main frame and client terminal are finished financial transaction in the account selected by the 3rd step." same, the limitation of this invention is that debit account and credit account's information does not have relevance.
In sum, the present system that can't realize carries out the continuity processing of polytype data automatically to bank card, neither user-friendly, has also restricted the traffic handing capacity of bank, has hindered The development in society and economy to a certain extent.
Summary of the invention
In order to overcome the shortcoming of above-mentioned technology, the invention provides a kind of system and disposal route thereof of on bank card, carrying out the polytype data processing.
Technical scheme of the present invention is as follows:
A kind of system that on bank card, carries out the polytype data processing, background processing system, pre-processing system, counter business system link to each other successively, second data handling system that described background processing system comprises first data handling system that data message is handled, data message is handled.
Described background processing system further comprises the 3rd data handling system that data message is handled.
Described background processing system further comprises the data type judgement preinstall apparatus that is used for preset data type Rule of judgment and judgment data type.
Described background processing system further comprises timing device.
Described timing device further comprises and is used for regularly generating first timing device of data processing record and being used for regularly starting second timing device that second data handling system is carried out the subordinate phase data processing.
A kind of method of carrying out the polytype data processing on bank card is characterized in that, comprises the following steps:
A: counter business system with data transmission to background processing system;
B: background processing system judgment data type;
C: background processing system arrives data handling system according to judged result with data association;
D: background processing system and counter business system deal with data.
Described method further comprises step:
E: background processing system record data process information.
Described step B further comprises:
B1: data type is judged preinstall apparatus according to preset value, the judgment data type.
Described step C, step D further comprise:
C
a: background processing system is according to judged result, with data association to first data handling system;
D
A1: first data handling system is carried out the phase one data processing.
Described step C, step D further comprise:
C
b: background processing system is according to judged result, with data association to second data handling system;
D
b: second data handling system is carried out the phase one data processing.
Described step Ca increases step:
D
A0: second timing device picks up counting;
D
A1: the second timing device timing date of expiry, background processing system generates the data processing record.
Described step C
aIncrease step:
D
A2: first data handling system judges whether to finish the phase one data processing; If can finish, enter step D
A3Otherwise first data handling system is not carried out any processing, enters step C
b
Step D further comprises:
D
A4: first timing device picks up counting;
D
A5: the first timing device timing date of expiry, second data handling system is carried out the subordinate phase data processing.
Step D
A5Further comprise:
D
A51: second data handling system judges whether to finish the subordinate phase data processing; If can finish, second data handling system is carried out the subordinate phase data processing, otherwise, enter step D
A52
D
A52: second data handling system is associated with the 3rd data handling system with the remainder that can't handle in the data;
D
A53: the 3rd data handling system judges whether to finish the subordinate phase data processing; If can finish, the 3rd data handling system is carried out the subordinate phase data processing, otherwise, enter step D
A34
D
A54: the 3rd data handling system is done the failure prompting to background processing system.
Described step D
A54After further comprise the following steps:
D
A55: background processing system writes down failure information, and failure information is sent to counter business system;
D
A56: counter business system report failure information.
Increase step before the described steps A:
A1: whether the counter business system judgment data is legal.
Increase step before the described steps A:
A2: counter business system is encrypted data.
Described first data handling system is an overdraft account; Second data handling system is a debit account; The 3rd data handling system is loan account.
Described data are personal information and the financial transaction requests in the bank card.
Compare with original technology, beneficial effect of the present invention is: the present invention has realized automatic right
Bank card carries out the continuity of polytype data to be handled, both can be associated with different accounts, also can refund automatically simultaneously, reduce operation link by predefined requirement, make the user enjoy more convenient, more thorough financial service, also saved the system resource and the cost of bank simultaneously.
Description of drawings
Below in conjunction with the drawings and specific embodiments the present invention is done further detailed annotation.
Fig. 1 carries out the structured flowchart of the system of polytype data processing on bank card for the present invention;
Fig. 2 is the structured flowchart of background processing system of the present invention;
Fig. 3 is one of the present invention's process flow diagram of carrying out the polytype data processing method on bank card;
Fig. 4 is two of the present invention's process flow diagram of carrying out the polytype data processing method on bank card;
Fig. 5 is one of the process flow diagram of the method for carrying out the polytype data processing on bank card of preferred embodiment of the present invention;
Fig. 6 be preferred embodiment of the present invention the method for on bank card, carrying out the polytype data processing process flow diagram two.
Embodiment
See also Fig. 1, the present invention carries out the polytype data processing on bank card system comprises background processing system 1, pre-processing system 2 and counter business system 3, and background processing system 1, pre-processing system 2 and counter business system 3 link to each other successively.Background processing system is finished in the miscellaneous service the account information processing.Pre-processing system is to unify the repeater system handling, judge towards each business application system, can connect various local systems by standard interface.Basic business logical operation conversion is finished in its accept business business processing request of system, and the data after will judging and service request mail to backstage account main frame or other associated mechanisms.Counter business system is accepted client or bank counter staff's operational order.
See also Fig. 2, at described background processing system 1 built-in data handling system 11, preinstall apparatus 12 and timing device 13.Data handling system comprises first data handling system 1101, second data handling system 1102, the 3rd data handling system 1103.Timing device comprises first timing device 1301 and second timing device 1302.
See also Fig. 3, disclose a kind of polytype data processing method of carrying out on bank card, it may further comprise the steps: whether the counter business system judgment data legal (step 301); Counter business system is encrypted (step 302) with data; Counter business system with data transmission to background processing system (step 303); Background processing system judgment data type (step 304); Data type is judged preinstall apparatus according to preset value, judgment data type (step 305); Background processing system is according to judged result, with data association to first data handling system (step 306); Second timing device pick up counting (step 307); The second timing device timing expires, and background processing system generates data processing record (step 308); First data handling system judges whether to finish the phase one data processing; If can finish, first data handling system is finished the phase one data processing; Otherwise first data handling system is not carried out any processing, and with data association to second data handling system (step 309); Second data handling system is carried out phase one data processing (step 310); Background processing system record data process informations (step 311); First timing device pick up counting (step 312); The first timing device timing expires, and second data handling system judges whether to finish the subordinate phase data processing; If can finish, second data handling system is carried out the subordinate phase data processing, otherwise, enter step 314 (step 313); Second data handling system is associated with the 3rd data handling system (step 314) with the remainder that can't handle in the data; The 3rd data handling system judges whether to finish the subordinate phase data processing; If can finish, the 3rd data handling system is carried out the subordinate phase data processing, otherwise the 3rd data handling system is done failure prompting (step 315) to background processing system; Background processing system writes down failure information, and failure information is sent to counter business system (step 316); Counter business system report failure information (step 317).
See also Fig. 4, disclose and another kind of carried out the polytype data processing method on bank card, it may further comprise the steps: whether the counter business system judgment data legal (step 401); Counter business system is encrypted (step 402) with data; Counter business system with data transmission to background processing system (step 403); Background processing system judgment data type (step 404); Data type is judged preinstall apparatus according to preset value, judgment data type (step 405); Background processing system is according to judged result, with data association to second data handling system (step 406); Second data handling system is carried out phase one data processing (step 407); Background processing system record data process informations (step 408); Background processing system generates data processing record (step 409).
See also Fig. 5, one of polytype data processing method is carried out in described preferred embodiment on bank card flow process may further comprise the steps: counter business system is judged the personal information whether legal (step 501) in the bank card; Counter business system is encrypted (step 502) with the personal information in the bank card; Counter business system transfers to background processing system (step 503) with personal information in the bank card and financial transaction request; Background processing system is judged the type (step 504) of financial transaction; Data type is judged preinstall apparatus according to preset value, the type (step 505) of judgement financial transaction; Background processing system is associated with overdraft account (step 506) according to judged result with personal information in the bank card and financial transaction request; Second timing device pick up counting (step 507); The second timing device timing expires, and background processing system generates overdraft account information record (step 508); It is professional that overdraft account judges whether to finish overdraw; If can finish, it is professional that overdraft account is finished overdraw; Otherwise overdraft account does not carry out any processing, and personal information in the bank card and financial transaction request are associated with debit account (step 509); Debit account is finished debit business (step 510); Background processing system record debit business information (step 511); First timing device pick up counting (step 512); The first timing device timing expires, and debit account judges whether debit account can give back the overdraw amount of money; If can finish, debit account is transferred corresponding fund to overdraft account, otherwise, enter step 514 (step 513); Debit account is transferred whole funds to overdraft account, and the deficiency number of refunding is associated with loan account (step 514); Loan account judges whether loan account can give back the residue overdraw amount of money; If can finish, loan account is given back the residue overdraw amount of money, otherwise loan account is done failure prompting (step 515) to background processing system; Background processing system writes down failure information, and failure information is sent to counter business system (step 517); Counter business system report failure information (step 518);
See also Fig. 6, the polytype data processing method is carried out in described preferred embodiment on bank card two flow process may further comprise the steps: counter business system is judged the personal information whether legal (step 601) in the bank card; Counter business system is encrypted (step 602) with the personal information in the bank card; Counter business system transfers to background processing system (step 603) with personal information in the bank card and financial transaction request; Background processing system is judged the type (step 604) of financial transaction; Data type is judged preinstall apparatus according to preset value, the type (step 605) of judgement financial transaction; Background processing system is associated with debit account (step 606) according to judged result with personal information in the bank card and financial transaction request; Debit account is finished debit business (step 607); Background processing system record debit business information (step 608); Background processing system generates debit business information record (step 609).
Although the present invention has done detailed explanation and has quoted embodiment as proof, but for those of ordinary skill in the art, obviously can make various replacement schemes, modification and change according to above-mentioned explanation, therefore, all these replacement schemes, correction and change all should be included within the spirit and scope of claim.
Claims (12)
1. system that on bank card, carries out the polytype data processing, comprise successively the background processing system, pre-processing system, the counter business system that link to each other, it is characterized in that: second data handling system that described background processing system comprises first data handling system that data message is handled, data message is handled;
Described background processing system further comprises the 3rd data handling system that data message is handled;
Described background processing system further comprises timing device, and described timing device further comprises and is used for regularly generating second timing device of data processing record and being used for regularly starting first timing device that second data handling system is carried out the subordinate phase data processing;
Described background processing system further comprises the data type judgement preinstall apparatus that is used for preset data type Rule of judgment and judgment data type.
2. the described method of carrying out the system of polytype data processing on bank card of claim 1 is characterized in that, comprises the following steps:
A: counter business system with data transmission to background processing system;
B: background processing system judgment data type;
Described step B further comprises:
B1: data type is judged preinstall apparatus according to preset value, the judgment data type;
C: background processing system arrives data handling system according to judged result with data association;
D: background processing system and counter business system deal with data;
Described step C, step D further comprise:
C
a: background processing system is according to judged result, with data association to first data handling system;
D
A3: first data handling system is carried out the phase one data processing;
Described step C, step D further comprise:
C
b: background processing system is according to judged result, with data association to second data handling system;
D
b: second data handling system is carried out the phase one data processing.
3. carry out the method for the system of polytype data processing on the bank card according to claim 2, it is characterized in that, described method further comprises step:
E: background processing system record data process information.
4. carry out the method for the system of polytype data processing on the bank card according to claim 2, it is characterized in that, described step Ca increases step:
D
A0: second timing device picks up counting;
D
A1: the second timing device timing date of expiry, background processing system generates the data processing record.
5. carry out the method for the system of polytype data processing on the bank card according to claim 2, it is characterized in that, described step C
aIncrease step:
D
A2: first data handling system judges whether to finish the phase one data processing; If can finish, enter step D
A3Otherwise first data handling system is not carried out any processing, enters step C
b
6. carry out the method for the system of polytype data processing on the bank card according to claim 2, it is characterized in that step D
bFurther comprise:
D
A4: first timing device picks up counting;
D
A5: the first timing device timing date of expiry, second data handling system is carried out the subordinate phase data processing.
7. carry out the method for the system of polytype data processing on the bank card according to claim 6, it is characterized in that step D
A5Further comprise:
D
A51: second data handling system judges whether to finish the subordinate phase data processing; If can finish, second data handling system is carried out the subordinate phase data processing, otherwise, enter step D
A52
D
A52: second data handling system is associated with the 3rd data handling system with the remainder that can't handle in the data;
D
A53: the 3rd data handling system judges whether to finish the subordinate phase data processing; If can finish, the 3rd data handling system is carried out the subordinate phase data processing, otherwise, enter step D
A54
D
A54: the 3rd data handling system is done the failure prompting to background processing system.
8. carry out the method for the system of polytype data processing on the bank card according to claim 7, it is characterized in that, described step D
A54After further comprise the following steps:
D
A55: background processing system writes down failure information, and failure information is sent to counter business system;
D
A56: counter business system report failure information.
9. carry out the method for the system of polytype data processing on the bank card according to claim 2, it is characterized in that, increase step before the described steps A:
A1: whether the counter business system judgment data is legal.
10. carry out the method for the system of polytype data processing on the bank card according to claim 2, it is characterized in that, increase step before the described steps A:
A2: counter business system is encrypted data.
11. carry out the method for the system of polytype data processing on the bank card according to claim 2, it is characterized in that described first data handling system is an overdraft account; Second data handling system is a debit account; The 3rd data handling system is loan account.
12. carry out the method for the system of polytype data processing on the bank card according to claim 2, it is characterized in that described data are personal information and the financial transaction requests in the bank card.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2008102162170A CN101377864B (en) | 2008-09-12 | 2008-09-12 | System and method for processing various types data by bank cards |
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|---|---|---|---|
| CN2008102162170A CN101377864B (en) | 2008-09-12 | 2008-09-12 | System and method for processing various types data by bank cards |
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| CN101377864A CN101377864A (en) | 2009-03-04 |
| CN101377864B true CN101377864B (en) | 2011-04-13 |
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Families Citing this family (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101710893B (en) * | 2009-11-06 | 2013-03-13 | 大连新中连软件集团有限公司 | Device, system and method for correlating application software service systems |
| CN106445928B (en) * | 2015-08-04 | 2020-12-08 | 广州华多网络科技有限公司 | Information processing method based on classification model and classification model |
| CN106960142A (en) | 2016-01-08 | 2017-07-18 | 阿里巴巴集团控股有限公司 | A kind of rights management and the method and device of resources control |
| CN108519920B (en) * | 2018-03-14 | 2020-12-01 | 口碑(上海)信息技术有限公司 | Scheduling retry method and device |
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|---|---|---|---|---|
| CN1645397A (en) * | 2005-01-12 | 2005-07-27 | 侯万春 | Apparatus and method for providing comprehensive financial transaction conducted of varied user account |
| CN1691074A (en) * | 2004-04-30 | 2005-11-02 | 杨红芳 | Payment card processing system |
| CN101071520A (en) * | 2006-05-09 | 2007-11-14 | 上海浦东发展银行 | Method for concurrently realizing credit and debit functions on identical bank card |
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2008
- 2008-09-12 CN CN2008102162170A patent/CN101377864B/en active Active
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1691074A (en) * | 2004-04-30 | 2005-11-02 | 杨红芳 | Payment card processing system |
| CN1645397A (en) * | 2005-01-12 | 2005-07-27 | 侯万春 | Apparatus and method for providing comprehensive financial transaction conducted of varied user account |
| CN101071520A (en) * | 2006-05-09 | 2007-11-14 | 上海浦东发展银行 | Method for concurrently realizing credit and debit functions on identical bank card |
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