CN101414371A - System and method for processing bank card integration - Google Patents
System and method for processing bank card integration Download PDFInfo
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- CN101414371A CN101414371A CNA2007101628431A CN200710162843A CN101414371A CN 101414371 A CN101414371 A CN 101414371A CN A2007101628431 A CNA2007101628431 A CN A2007101628431A CN 200710162843 A CN200710162843 A CN 200710162843A CN 101414371 A CN101414371 A CN 101414371A
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Abstract
The invention relates to the technical field of reward point processing of bank cards in financial transaction and discloses a system for processing the reward points of the bank cards, which comprises a host machine and a transaction terminal, wherein, the host machine is used for receiving transaction requests sent by the transaction terminal through an external banking network, for inquiring, accumulating, exchanging or transferring the reward points according to the transaction request received and for returning processing results to the transaction terminal by the external banking network; and the transaction terminal is used for sending the transaction request to the host machine of the system according to the instruction from the client and for providing the client with the processing results returned by the host machine of the system. Meanwhile, the invention discloses a method for processing the reward points of the bank card, which realizes the correlation and aggregation of multiple bank cards of the same client by correlating all bank cards of the client, thus leading to the convenience that the reward points of different clients can be mutually transferred so as to meet the requirement of the clients on the flexibility of the reward points and to effectively increase the degree of satisfaction of the clients to the commercial banks.
Description
Technical field
The present invention relates to bank card Integral Processing technical field in the financial business, especially relating to a kind of is the system and method that unit handles the bank card integration with client.
Background technology
In the actual life, banking system is generally all divided by professional domain, as access, bank system of web, telephone bank system etc., so individual client's integration of bank also is to divide and add up by different professional domains basically, as there are credit card purchase integration, Web bank's sales promotion integration equivalance branch type.These integrations are present on the different professional system of bank, and integration is the contribution degree of this professional domain is added up and to represent with the client, is embodied in the integration managing that all has in each professional system separately, and usually and bank card link together.Therefore, strictly, these integrations are not the client's integration on the true meaning, can only professional at last integration or bank card integration.
More than by professional bank card integration method of dividing, the client is managed by professional domain the contribution degree of bank, cause every bank card that separately integration is all arranged, and the integration of different bank card can not merge use, and the client needs to use many different bank cards in the process of inquiry, use integration.So, the client lacks dirigibility to the use of integration, must have many bank cards when the client uses integration on the one hand, and is very inconvenient, and the client also can't obtain bigger preferential by the integration of a plurality of bank cards that add up on the other hand.
In the last few years, bank is for improving the service level of self, formulated new client's marketing strategy, actively release financial service series of products with " client is a core ", but producing little effect aspect the unified management of client's integration, main difficulty is that the professional application system of bank is cross-platform, multi-disciplinary, promptly will realize with client being the integration managing of unit, must integrate the integration that is dispersed in each professional system.
Summary of the invention
(1) technical matters that will solve
In view of this, it is the system that unit handles the bank card integration with client that one object of the present invention is to provide a kind of, to satisfy the demand of client to integration use dirigibility, promotes the satisfaction of client to commercial bank.
It is the method that unit handles the bank card integration with client that another object of the present invention is to provide a kind of, realization is that unit carries out integration managing with client, the client is when using integration, only need just can easily inquire about, use the integration of other cards of this client (medium) generation with an accumulating card, and the integration of many cards (medium) can be transferred mutually, can reach the common use of integration by the integration function of transferring between integration between the major-minor card, the different cards, improve the preferential degree of integration, make things convenient for client's use, satisfy requirement of client.
(2) technical scheme
For achieving the above object, the invention provides a kind of is the system and method that unit handles the bank card integration with client, by in the banking system main frame, setting up accumulating card and client's corresponding relation, according to analysis to the client trading daily record, realization is that unit carries out integration statistics and represents with client, and the integration account transfer of can transferring between different clients.Specific as follows:
A kind of system that the bank card integration is handled, this system comprises:
System host, be used to receive the transaction request that transaction terminal sends by outside banking network, according to the transaction request that receives carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing, and return result by outside banking network to transaction terminal;
Transaction terminal is used for sending transaction request by outside banking network to system host according to the instruction that is received from the client, and the result that system host returns is offered the client.
In the such scheme, described system host comprises:
The purpose data classifying device, the client trading journal file that is used for the scan-data memory storage, judge that the integration whether every transaction in this journal file meets data storage device collects the integration statistical rules that defines in the parameter list, if meet, then calculate the integration that this transaction produces, and upgrade the pairing integration file of this transaction card number according to the integration that calculates, this integration is added in the pairing integration file of this client;
Data storage device is used to preserve client trading journal file, integration and collects parameter list, integration operation parameter table, the pairing integration file of transaction card number, and the pairing integration file of client;
The data application apparatus, be used for according to the transaction request that receives from data storage device select that corresponding storage data carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing;
The interface recognition device is used to discern the transaction request that transaction terminal sends by outside banking network, and the transaction request that identifies is exported to the data application apparatus.
In the such scheme, described data application apparatus comprises:
Main control unit, be used for calling integration query unit, accumulated point exchanging unit, integration transfer unit or integration adjustment unit, select from data storage device that corresponding storage data carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing according to the transaction request of interface recognition device input;
The integration query unit is used to handle the integration query requests, selects integration data from data storage device, and returns integration data information to transaction terminal;
The accumulated point exchanging unit is used to handle point redemption request, and the function of use accumulated point exchanging gift is provided for the client according to client's integration;
The integration unit of transferring is used to handle the integration transfer request, and the integrations that the client is dissimilar are changed, and the integration between the different clients is transferred;
The integration adjustment unit is used to handle integration adjustment request, realizes the change of integration data unit is handled, and comprises increasing newly, adjusting and deleting and handle bank card integration data unit and client's integration data unit.
In the such scheme, the client trading journal file of preserving in the described data storage device is formed by online case-by-case registration, or is gathered and form will being dispersed in each professional system the transaction log file conversion day eventually in batches the time by the purpose data classifying device;
The integration of preserving in the described data storage device collects parameter table stores the integration statistical rules, and this integration statistical rules comprises that at least transaction includes the rule of integration statistics and the conversion proportion that dealing money is converted to integration in;
The integration operation parameter table of preserving in the described data storage device stores the using method and the rule of integration, specifically is included in the required integration number of gift information, single-piece gift that accumulated point exchanging and integration exchange in transferring, the conversion ratio that dissimilar integrations is transferred mutually;
The pairing integration file association of each client who preserves in the described data storage device has the pairing integration file of a plurality of transaction card numbers, and the pairing integration file of each transaction card number further is associated with a plurality of integral type files.
In the such scheme, described system host further comprises a plurality of data-interfaces between interface recognition device and outside banking network, is used to receive transaction terminal transfers to system host by outside banking network data.
In the such scheme, described transaction terminal is internet channel, bank self-aid apparatus or bank counter, and described bank self-aid apparatus is POS mechanical, electrical words bank or Mobile banking.
A kind of method that the bank card integration is handled, this method comprises:
Transaction terminal receives client's instruction, by the transaction request of outside banking network to the system host transmission;
System host according to the transaction request that is received from transaction terminal carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing, and return result by outside banking network to transaction terminal;
Transaction terminal offers the client with the result that system host returns.
In the such scheme, described system host comprises purpose data classifying device, data storage device, data application apparatus and interface recognition device, it is characterized in that, the integration that described system host is carried out collects processing and specifically comprises:
Step 200: the purpose data classifying device scans each the transaction detail in the bank transaction daily record every day;
Step 201: the integration acquisition parameter in the purpose data classifying device visit data memory storage, at each transaction detail, judge whether to meet the condition that integration collects, then do not carry out integration and collect process ends if do not satisfy; If satisfy then execution in step 202;
Step 202: the purpose data classifying device produces integration data according to this detailed calculating;
Step 203: the purpose data classifying device is according to the card number in this transaction detail, is added in the data storage device in the pairing integration file of transactional cards calculating good integration data;
Step 204: the purpose data classifying device will calculate good integration data be added to again with the pairing integration file of the client of the pairing integration file association of this transactional cards in;
Step 205: integration collects processing to be finished.
In the such scheme, described system host comprises purpose data classifying device, data storage device, data application apparatus and interface recognition device, it is characterized in that, the accumulated point exchanging that described system host is carried out is handled and specifically comprised:
Step 501: the request of the interface recognition device identification transaction terminal input of system host is the accumulated point exchanging transaction request, and this accumulated point exchanging transaction request is exported to the data application apparatus;
Step 502: the data application apparatus receives the accumulated point exchanging transaction request, call the inspection of accumulated point exchanging unit and whether can carry out accumulated point exchanging, comprise and check whether gift or information on services that the client need exchange exist, whether gift quantity meets the demands, and whether allow to exchange this type of gift or service by this transaction terminal, if all meet the demands, then execution in step 503; Otherwise, process ends;
Step 503: the accumulated point exchanging unit calculates the needed client's integrated value of this exchange trading;
Step 504: whether enough this exchanges of the client's integrated value in the accumulated point exchanging unit judges client integration file, if exchange then closing the transaction inadequately; Otherwise if enough exchange, then execution in step 505;
Step 505: corresponding integrated value in client's integration file is reduced according to the gift and the integral type of customer selecting in the accumulated point exchanging unit;
Step 506: accumulated point exchanging closing the transaction.
In the such scheme, described system host comprises purpose data classifying device, data storage device, data application apparatus and interface recognition device, it is characterized in that, the integration that described system host is carried out is transferred to handle and specifically comprised:
Step 601: the request of the interface recognition device of system host identification transaction terminal input is the integration transaction request of transferring, and this integration transaction request of transferring is exported to the data application apparatus;
Step 602: the data application apparatus receives the integration transaction request of transferring, and calls integration and transfers the unit according to the integration that marks, puts under integration in the type of access data storage device parameter of transferring of transferring, and obtains the integration discount rate of transferring;
Step 603: whether the integration unit judges of transferring satisfies the integration condition of transferring, and comprises whether allow to participate in integral type, integration that integration the transfers switch of transferring opens, as not satisfying the condition of transferring, and the refusal transaction, processing finishes; As satisfying the condition of transferring, then execution in step 604;
Step 604: the integration unit of transferring calculates the integrated value that puts under according to the integrated value, the integration that the mark discount rate of transferring;
Step 605: the integration unit judges integration type of transaction of transferring of transferring, type of transaction is the transferring of different integral type under the same client if integration is transferred, then execution in step 606; Type of transaction is that integration between the different clients is transferred if integration is transferred, and then execution in step 607;
Step 606: the integration unit of transferring upgrades and correspondingly in this same client's the integration file marks, puts under integration, execution in step 609;
Step 607: the integration unit of transferring is reduced integration and is marked in client's integration file corresponding integration;
Step 608: the integration unit integration that adds up of transferring puts in client's integration file corresponding integration under;
Step 609: transaction processing finishes.
(3) beneficial effect
From technique scheme as can be seen, the present invention has following beneficial effect:
1, utilizes the present invention, associate by all bank cards same client, in the Integral Processing system, increase the purpose data classifying device and in data storage device, increase bank client integration data unit, realize same client many bank cards integration association and gather, the account transfer of can transferring mutually of integration between the different clients, satisfied the demand of client, effectively promoted the satisfaction of client commercial bank to integration use dirigibility.
2, this system that the bank card integration is handled provided by the invention, realization is that unit carries out integration managing with client, the client is when using integration, only need just can easily inquire about, use the integration of other cards of this client (medium) generation with an accumulating card, and the integration of many cards (medium) can be transferred, can reach the common use of integration by the integration account transfer function of transferring between integration between the major-minor card, the different cards, improved the preferential degree of integration greatly, make things convenient for client's use, satisfied requirement of client.
3, utilize the present invention, bank can and encourage the individual client to use bank product and service by this accumulating card guiding, enriches marketing tool, improves customer loyalty, continues to increase bank return; Bank client can pass through this accumulating card, and integration is gathered use, and is bigger preferential to enjoy, and obtains bigger interests.
Description of drawings
Fig. 1 is the structured flowchart that the bank card integration is carried out disposal system provided by the invention;
Fig. 2 is the graph of a relation of the pairing integration file of client, the pairing integration file of transactional cards in the data storage device shown in Figure 1;
Fig. 3 is the structured flowchart of data application apparatus shown in Figure 1;
Fig. 4 is the method flow diagram that the bank card integration is handled provided by the invention;
Fig. 5 is the processing flow chart of purpose data classifying device shown in Figure 1;
Fig. 6 is the processing flow chart of accumulated point exchanging shown in Figure 3 unit;
Fig. 7 is the transfer processing flow chart of unit of integration shown in Figure 3.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer, below in conjunction with specific embodiment, and with reference to accompanying drawing, the present invention is described in more detail.
As shown in Figure 1, Fig. 1 is the structured flowchart that the bank card integration is carried out disposal system provided by the invention, this system comprises system host 1 and transaction terminal 8 at least, wherein, system host 1 is used to receive the transaction request that transaction terminal 8 sends by outside banking network 7, according to the transaction request that receives carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing, and return result by outside banking network 7 to transaction terminal 8.Transaction terminal 8 is used for sending transaction request by outside banking network 7 to system host 1 according to the instruction that is received from the client, and the result that system host 1 is returned offers the client.
In addition, accumulating card 9 shown in Figure 1 can be the existing any bank card of client, also can be brand-new client's card.The client only need just can easily inquire about, use the integration of other cards of this client (medium) generation with accumulating card, and the integration of many cards (medium) can be transferred mutually when using integration.
Described transaction terminal is internet channel, bank self-aid apparatus, bank counter or other specialized equipments, and described bank self-aid apparatus is POS mechanical, electrical words bank or Mobile banking etc.
Described system host 1 receives the transaction request of transaction terminals 8 by outside banking network 7, and after transaction handled, the information of transaction processing success or failure of returning was given transaction terminal 8.System host 1 comprises purpose data classifying device 2, data storage device 3, data application apparatus 4, interface recognition device 5 and a plurality of interface 6.
Purpose data classifying device 2 is used for the client trading journal file of scan-data memory storage, judge that the integration whether every transaction in this journal file meets data storage device collects the integration statistical rules that defines in the parameter list, if meet, then calculate the integration that this transaction produces, and upgrade the pairing integration file of this transaction card number according to the integration that calculates, this integration is added in the pairing integration file of this client, thereby realizes being dispersed in gathering of integration information under each professional system.Integration collects integration statistical rules in the parameter list and comprises that mainly which transaction includes rule or methods such as conversion proportion that integration statistics, dealing money are converted to integration in.
Data storage device 3 is used to preserve the client trading journal file, integration collects parameter list, integration operation parameter table, the pairing integration file of transaction card number, and the pairing integration file of client, comprise one group of client trading daily record, integration acquisition parameter, integration operation parameter and one group of client's integration data at least.The client trading journal file of preserving in the described data storage device can be formed by online case-by-case registration, also can gather and form will being dispersed in each professional system the transaction log file conversion day eventually in batches the time, the condition restriction of, multi-disciplinary system cross-platform to get around by the purpose data classifying device.The integration of preserving in the described data storage device collects parameter table stores the integration statistical rules, and this integration statistical rules comprises that at least transaction includes the rule of integration statistics and the conversion proportion that dealing money is converted to integration in.The integration operation parameter table of preserving in the described data storage device stores the using method and the rule of integration, specifically is included in the required integration number of gift information, single-piece gift that accumulated point exchanging and integration exchange in transferring, the conversion ratio that dissimilar integrations is transferred mutually.
Data application apparatus 4 be used for according to the transaction request that receives from data storage device select that corresponding storage data carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing.
Interface recognition device 5 is used to discern the transaction request that transaction terminal sends by outside banking network, and the transaction request that identifies is exported to the data application apparatus.
The a plurality of data-interfaces 6 of described system host between interface recognition device and outside banking network are used to receive transaction terminal transfers to system host by outside banking network data.
The pairing integration file association of each client who preserves in the above-mentioned data storage device has the pairing integration file of a plurality of transaction card numbers, and the pairing integration file of each transaction card number further is associated with a plurality of integral type files.As shown in Figure 2, Fig. 2 is the graph of a relation of the pairing integration file of client, the pairing integration file of transactional cards in the data storage device shown in Figure 1.Every bank card 302 all has corresponding bank client numbering 301, associates by same bank client numbering 301 many bank cards with a client.The integration of described every bank card 302 can be subdivided into multiple integral type 304 again, and the integration of every kind of integral type can be added up respectively, as comprehensive contribution integration, jointly integration, specific industry integration etc.; Various types of integrations can directly be transferred when transferring mutually, transfer after also can converting according to certain parameter ratio again.
As shown in Figure 3, Fig. 3 is the structured flowchart of data application apparatus shown in Figure 1, and it further comprises main control unit 401, integration query unit 402, accumulated point exchanging unit 403, integration transfer unit 404 and integration adjustment unit 405.
Described main control unit 401 is used for calling integration query unit, accumulated point exchanging unit, integration transfer unit or integration adjustment unit according to the transaction request of interface recognition device input, selects from data storage device that corresponding storage data carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing.
Described integration data query unit 402 is used to handle the integration query requests, selects integration data from data storage device, and returns integration data information to transaction terminal, comprises integration transaction details information; The client can use any bank card to inquire about.
Described accumulated point exchanging unit 403 is used to handle point redemption request, provides the function of using the accumulated point exchanging gift according to client's integration for the client, and the operable integration of client is the integration that many cards of this client gather.For example: when the integration prize, can't reach the required integrated value of certain gift though certain of this client is opened the integrated value of card, need only under this customer name to gather integration enough, still can exchange this gift.
The described integration unit 404 of transferring is used to handle the integration transfer request, and the integrations that the client is dissimilar are changed, and the integration between the different clients is transferred.
Described integration adjustment unit 405 is used to handle integration adjustment request, realizes the change of integration data unit is handled, and comprises increasing newly, adjusting and deleting and handle bank card integration data unit and client's integration data unit.For example: bank can increase integration etc. to the percentage contribution of bank to top-tier customer according to the client.
Based on the system that the bank card integration is handled that the invention described above provides, Fig. 4 shows the method flow diagram that the bank card integration is handled provided by the invention, and this method comprises:
Step 101: transaction terminal receives client's instruction, by the transaction request of outside banking network to the system host transmission;
Step 102: system host according to the transaction request that is received from transaction terminal carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing, and return result by outside banking network to transaction terminal;
Step 103: transaction terminal offers the client with the result that system host returns.
In the above-mentioned steps 102, described integration collects, accumulated point exchanging or integration are transferred, and handle specifically can be referring to Fig. 5, Fig. 6 and Fig. 7
As shown in Figure 5, Fig. 5 is the processing flow chart of purpose data classifying device shown in Figure 1, specifically may further comprise the steps:
Step 200: the purpose data classifying device scans each transaction detail in the bank transaction daily record every day;
Step 201: the integration acquisition parameter in the purpose data classifying device visit data memory storage, at each transaction detail, judge whether to meet the condition that integration collects, do not finish if do not satisfy then processing, do not carry out integration and collect process ends; If satisfying integration collects condition, then execution in step 202;
Step 202: the purpose data classifying device produces integration data according to this detailed calculating, has by the amount of money, transaction stroke count as computation rule commonly used and converts out certain integration data;
Step 203: the purpose data classifying device is added in transactional cards in the data storage device (medium is as bank card) the integration file calculating good integration data according to the card number in this transaction detail;
Step 204: the purpose data classifying device will calculate good integration data be added to again with the pairing integration file of the client of the pairing integration file association of this transactional cards in;
Step 205: integration collects processing to be finished.
As shown in Figure 6, Fig. 6 is the processing flow chart of accumulated point exchanging shown in Figure 3 unit, specifically may further comprise the steps:
Step 500: transaction terminal receives the accumulated point exchanging transaction request that the client initiates, and the accumulated point exchanging transaction request that receives is exported to system host;
Step 501: the request of the interface recognition device identification transaction terminal input of system host is the accumulated point exchanging transaction request, and this accumulated point exchanging transaction request is exported to the data application apparatus;
Step 502: the data application apparatus receives the accumulated point exchanging transaction request, call the inspection of accumulated point exchanging unit and whether can carry out accumulated point exchanging, comprise and check whether gift or information on services that the client need exchange exist, whether gift quantity meets the demands, whether permission is exchanged this type of gift or service etc. by this transaction terminal, if all meet the demands, then execution in step 503; Otherwise, process ends;
Step 503: the accumulated point exchanging unit calculates the needed client's integrated value of this exchange trading;
Step 504: whether enough this exchanges of the client's integrated value in the accumulated point exchanging unit judges client integration file, if exchange then closing the transaction inadequately; Otherwise if enough exchange, then execution in step 505;
Step 505: corresponding integrated value in client's integration file is reduced according to the gift and the integral type of customer selecting in the accumulated point exchanging unit;
Step 506: accumulated point exchanging closing the transaction.
As shown in Figure 7, Fig. 7 is the transfer processing flow chart of unit of integration shown in Figure 3, and concrete steps are described below:
Step 600: transaction terminal receives integration that the client the initiates transaction request of transferring, this integration transfer comprise that element of transaction marks the client, puts the client under in the transaction request at least, integral type or number of points, and the integration that the receives transaction request of transferring exported to system host;
Step 601: the request of the interface recognition device of system host identification transaction terminal input is the integration transaction request of transferring, and this integration transaction request of transferring is exported to the data application apparatus;
Step 602: the data application apparatus receives the integration transaction request of transferring, call integration and transfer the unit according to the integration that marks, put under the type of transferring, as comprehensive contribution integration, type such as integration, specific industry integration jointly, integration in the visit data memory storage parameter of transferring is obtained the integration discount rate of transferring; In the present embodiment, when integration is transferred, be to transfer again after converting according to certain parameter ratio;
Step 603: whether the integration unit judges of transferring satisfies the integration condition of transferring, and comprises whether allow to participate in integral type, integration that integration the transfers switch of transferring opens etc., as not satisfying the condition of transferring, and the refusal transaction, processing finishes; As satisfying the condition of transferring, then execution in step 604;
Step 604: the integration unit of transferring calculates the integrated value that puts under according to the integrated value, the integration that the mark discount rate of transferring;
Step 605: the integration unit judges integration type of transaction of transferring of transferring, type of transaction is the transferring of different integral type under the same client if integration is transferred, then execution in step 606; Type of transaction is that integration between the different clients is transferred if integration is transferred, and then execution in step 607;
Step 606: the integration unit of transferring upgrades and correspondingly in this same client's the integration file marks, puts under integration, execution in step 609;
Step 607: the integration unit of transferring is reduced integration and is marked in client's integration file corresponding integration;
Step 608: the integration unit integration that adds up of transferring puts in client's integration file corresponding integration under;
Step 609: transaction processing finishes.
Provided by the invention this be the system and method that unit handles the bank card integration with client, by in the banking system main frame, setting up accumulating card and client's corresponding relation, according to analysis to the client trading daily record, realization is that unit carries out integration statistics and represents with client, and the integration account transfer of can transferring between different clients.The client trading daily record can be online case-by-case registration, also can be day to gather and form according to being dispersed in each professional system the transaction log file conversion in batches eventually, the condition restriction of, multi-disciplinary system cross-platform to get around; Accumulating card can be the existing any bank card of client, also can be brand-new client's card.The client only need just can easily inquire about, use the integration of other cards of this client (medium) generation with accumulating card, and the integration of many cards (medium) can be transferred mutually when using integration.
Above-described specific embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is specific embodiments of the invention; be not limited to the present invention; within the spirit and principles in the present invention all, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1, a kind of system that the bank card integration is handled is characterized in that, this system comprises:
System host, be used to receive the transaction request that transaction terminal sends by outside banking network, according to the transaction request that receives carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing, and return result by outside banking network to transaction terminal;
Transaction terminal is used for sending transaction request by outside banking network to system host according to the instruction that is received from the client, and the result that system host returns is offered the client.
2, the system that the bank card integration is handled according to claim 1 is characterized in that, described system host comprises:
The purpose data classifying device, the client trading journal file that is used for the scan-data memory storage, judge that the integration whether every transaction in this journal file meets data storage device collects the integration statistical rules that defines in the parameter list, if meet, then calculate the integration that this transaction produces, and upgrade the pairing integration file of this transaction card number according to the integration that calculates, this integration is added in the pairing integration file of this client;
Data storage device is used to preserve client trading journal file, integration and collects parameter list, integration operation parameter table, the pairing integration file of transaction card number, and the pairing integration file of client;
The data application apparatus, be used for according to the transaction request that receives from data storage device select that corresponding storage data carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing;
The interface recognition device is used to discern the transaction request that transaction terminal sends by outside banking network, and the transaction request that identifies is exported to the data application apparatus.
3, the system that the bank card integration is handled according to claim 2 is characterized in that, described data application apparatus comprises:
Main control unit, be used for calling integration query unit, accumulated point exchanging unit, integration transfer unit or integration adjustment unit, select from data storage device that corresponding storage data carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing according to the transaction request of interface recognition device input;
The integration query unit is used to handle the integration query requests, selects integration data from data storage device, and returns integration data information to transaction terminal;
The accumulated point exchanging unit is used to handle point redemption request, and the function of use accumulated point exchanging gift is provided for the client according to client's integration;
The integration unit of transferring is used to handle the integration transfer request, and the integrations that the client is dissimilar are changed, and the integration between the different clients is transferred;
The integration adjustment unit is used to handle integration adjustment request, realizes the change of integration data unit is handled, and comprises increasing newly, adjusting and deleting and handle bank card integration data unit and client's integration data unit.
4, the system that the bank card integration is handled according to claim 2 is characterized in that,
The client trading journal file of preserving in the described data storage device is formed by online case-by-case registration, or is gathered and form will being dispersed in each professional system the transaction log file conversion day eventually in batches the time by the purpose data classifying device;
The integration of preserving in the described data storage device collects parameter table stores the integration statistical rules, and this integration statistical rules comprises that at least transaction includes the rule of integration statistics and the conversion proportion that dealing money is converted to integration in;
The integration operation parameter table of preserving in the described data storage device stores the using method and the rule of integration, specifically is included in the required integration number of gift information, single-piece gift that accumulated point exchanging and integration exchange in transferring, the conversion ratio that dissimilar integrations is transferred mutually;
The pairing integration file association of each client who preserves in the described data storage device has the pairing integration file of a plurality of transaction card numbers, and the pairing integration file of each transaction card number further is associated with a plurality of integral type files.
5, the system that the bank card integration is handled according to claim 2, it is characterized in that, described system host further comprises a plurality of data-interfaces between interface recognition device and outside banking network, be used to receive transaction terminal transfers to system host by outside banking network data.
6, the system that the bank card integration is handled according to claim 1 is characterized in that, described transaction terminal is internet channel, bank self-aid apparatus or bank counter, and described bank self-aid apparatus is POS mechanical, electrical words bank or Mobile banking.
7, a kind of method that the bank card integration is handled is characterized in that, this method comprises:
Transaction terminal receives client's instruction, by the transaction request of outside banking network to the system host transmission;
System host according to the transaction request that is received from transaction terminal carry out that integration inquiry, integration collect, accumulated point exchanging or integration are transferred processing, and return result by outside banking network to transaction terminal;
Transaction terminal offers the client with the result that system host returns.
8, the method that the bank card integration is handled according to claim 7, described system host comprises purpose data classifying device, data storage device, data application apparatus and interface recognition device, it is characterized in that the integration that described system host is carried out collects processing and specifically comprises:
Step 200: the purpose data classifying device scans each the transaction detail in the bank transaction daily record every day;
Step 201: the integration acquisition parameter in the purpose data classifying device visit data memory storage, at each transaction detail, judge whether to meet the condition that integration collects, then do not carry out integration and collect process ends if do not satisfy; If satisfy then execution in step 202;
Step 202: the purpose data classifying device produces integration data according to this detailed calculating;
Step 203: the purpose data classifying device is according to the card number in this transaction detail, is added in the data storage device in the pairing integration file of transactional cards calculating good integration data;
Step 204: the purpose data classifying device will calculate good integration data be added to again with the pairing integration file of the client of the pairing integration file association of this transactional cards in;
Step 205: integration collects processing to be finished.
9, the method that the bank card integration is handled according to claim 7, described system host comprises purpose data classifying device, data storage device, data application apparatus and interface recognition device, it is characterized in that the accumulated point exchanging that described system host is carried out is handled and specifically comprised:
Step 501: the request of the interface recognition device identification transaction terminal input of system host is the accumulated point exchanging transaction request, and this accumulated point exchanging transaction request is exported to the data application apparatus;
Step 502: the data application apparatus receives the accumulated point exchanging transaction request, call the inspection of accumulated point exchanging unit and whether can carry out accumulated point exchanging, comprise and check whether gift or information on services that the client need exchange exist, whether gift quantity meets the demands, and whether allow to exchange this type of gift or service by this transaction terminal, if all meet the demands, then execution in step 503; Otherwise, process ends;
Step 503: the accumulated point exchanging unit calculates the needed client's integrated value of this exchange trading;
Step 504: whether enough this exchanges of the client's integrated value in the accumulated point exchanging unit judges client integration file, if exchange then closing the transaction inadequately; Otherwise if enough exchange, then execution in step 505;
Step 505: corresponding integrated value in client's integration file is reduced according to the gift and the integral type of customer selecting in the accumulated point exchanging unit;
Step 506: accumulated point exchanging closing the transaction.
10, the method that the bank card integration is handled according to claim 7, described system host comprises purpose data classifying device, data storage device, data application apparatus and interface recognition device, it is characterized in that the integration that described system host is carried out is transferred to handle and specifically comprised:
Step 601: the request of the interface recognition device of system host identification transaction terminal input is the integration transaction request of transferring, and this integration transaction request of transferring is exported to the data application apparatus;
Step 602: the data application apparatus receives the integration transaction request of transferring, and calls integration and transfers the unit according to the integration that marks, puts under integration in the type of access data storage device parameter of transferring of transferring, and obtains the integration discount rate of transferring;
Step 603: whether the integration unit judges of transferring satisfies the integration condition of transferring, and comprises whether allow to participate in integral type, integration that integration the transfers switch of transferring opens, as not satisfying the condition of transferring, and the refusal transaction, processing finishes; As satisfying the condition of transferring, then execution in step 604;
Step 604: the integration unit of transferring calculates the integrated value that puts under according to the integrated value, the integration that the mark discount rate of transferring;
Step 605: the integration unit judges integration type of transaction of transferring of transferring, type of transaction is the transferring of different integral type under the same client if integration is transferred, then execution in step 606; Type of transaction is that integration between the different clients is transferred if integration is transferred, and then execution in step 607;
Step 606: the integration unit of transferring upgrades and correspondingly in this same client's the integration file marks, puts under integration, execution in step 609;
Step 607: the integration unit of transferring is reduced integration and is marked in client's integration file corresponding integration;
Step 608: the integration unit integration that adds up of transferring puts in client's integration file corresponding integration under;
Step 609: transaction processing finishes.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101628431A CN101414371A (en) | 2007-10-15 | 2007-10-15 | System and method for processing bank card integration |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101628431A CN101414371A (en) | 2007-10-15 | 2007-10-15 | System and method for processing bank card integration |
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| CN101414371A true CN101414371A (en) | 2009-04-22 |
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| CNA2007101628431A Pending CN101414371A (en) | 2007-10-15 | 2007-10-15 | System and method for processing bank card integration |
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| CN (1) | CN101414371A (en) |
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Application publication date: 20090422 |