CN101520930A - System and method for realizing acquisition of cross-network accumulated points as long as a bank card user pays through bank card - Google Patents
System and method for realizing acquisition of cross-network accumulated points as long as a bank card user pays through bank card Download PDFInfo
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- CN101520930A CN101520930A CN200810224749A CN200810224749A CN101520930A CN 101520930 A CN101520930 A CN 101520930A CN 200810224749 A CN200810224749 A CN 200810224749A CN 200810224749 A CN200810224749 A CN 200810224749A CN 101520930 A CN101520930 A CN 101520930A
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Abstract
The invention provides a system and a method for realizing the acquisition of cross-network accumulated points as long as a bank card user pays through a bank card. Through the accumulated points gained from bank card consumption transactions in a UnionPay transaction system, the bank card user is enabled to obtain cross-network accumulated points of a third-party when the user pays through the card on a POS machine of UnionPay. The third-party can complete the processes such as consumption discounting, accumulated points exchanged for cash, or accumulated points exchanged for goods, and the like based on the cross-network accumulated points.
Description
Technical field
The present invention relates to mobile communication technology field and financial field, particularly a kind of bank card user bankcard consumption of realizing promptly obtains cross-network accumulated system and method, described bank card is meant the multiple or various bank card that Unionpay authenticates that has by each issued by banks, the described cross-network accumulated bank card user that is meant is on the POS of Unionpay during bankcard consumption, is the total mark of consumption that described user calculates by third party's integrating system according to the described consumption amount of money, described third party is meant the mechanism outside the affiliated bank of described bank card, for example China Unionpay.
Background technology
In present financial field and consumption and payment field, usually adopt and on the POS of franchised business, brush bank card as the cashless payment means, bank is in order to promote the competitive power of its bank card, bank card for its distribution is carried out total mark of consumption, and carry out the preferential of this bank associated services aspect according to the integration of the bank card of this bank, make the bank card user of this bank obtain the preferential of some professional aspect, defective is: the bank card user of not all bank the time can both obtain integration in consumption, and on this basis professional preferential.The inventor thinks: if can overcome the defective of the above-mentioned bank differentiation integration service of bank card user in the POS consume activity, bank card user to all banks is all carried out integration by China Unionpay when POS consumes, to make the bank card user of all banks when POS consumes, can both obtain total mark of consumption, thereby promote the development of bank card business, reduce cash consumption.Particularly under the situation that financial business is more and more popularized, the bank card holder can integration during to its bankcard consumption and is also presented the trend that rises day by day gradually according to the demand that its scores accumulated obtain the consumption discount.Therefore, the bankcard consumption that satisfies bank card user promptly obtains the demand of integration, is the scientific research task that the technician faces, and also is the service item that the financial field need provide as early as possible.
The English full name of described POS is Point of Sale, be meant point of sales terminal, it is a kind of multi-functional terminal end, the franchised business that it is installed in bank card is unified into network with accepting in the site with computing machine, just can realize that electronic funds transfers accounts automatically, it has functions such as supporting consumption, pre-authorization, inquiry into balance and transfers accounts, and uses safety, quick, reliable.
Existing computer technology, network technology and mobile communication technology, make the inventor propose all bank card bankcard consumptions that undertaken by Unionpay first and all carry out the notion of integration, thereby provide technical support by the operation system that the third party outside the bank carries out integration for setting up the bank card bankcard consumption that is undertaken by Unionpay by the third party outside the bank.
The present invention is directed to the defective or the deficiency that exist in the prior art, provide a kind of bank card user bankcard consumption of realizing promptly to obtain cross-network accumulated system and method, adopt the present invention just can make all bank card user on the POS of Unionpay, all carry out unified total mark of consumption during bankcard consumption by the third party.
The total technical conceive of the present invention is, set up third party's total mark of consumption server, set up user's bank card integration account information database at described third party's total mark of consumption server, described third party's total mark of consumption server receives the Successful Transaction information of bank card user bankcard consumption, and after the amount of money calculates integration, be accumulated in the integration account of described bank card user according to consumption.
Technical scheme of the present invention is as follows:
Realize that the bank card user bankcard consumption promptly obtains cross-network accumulated system, it is characterized in that, comprise POS, the POS access gate device, bank card business dealing gateway server and third party's total mark of consumption server, described POS is by communication network and the interconnection of POS access gate device, the POS access gate device is by data network and the interconnection of bank card business dealing gateway server, be used to realize the information interaction between POS and the bank card business dealing gateway server, by the data network interconnection, be used for realizing that the bank card bankcard consumption transaction record the success of bank card business dealing gateway server sends to third party's total mark of consumption server between described bank card business dealing gateway server and the third party's total mark of consumption server; Wherein, described third party's total mark of consumption server is the Computer Database application server, be used to bank card user in database, to set up integration account information data, be used to receive the Successful Transaction information of bank card user bankcard consumption, and after the amount of money calculates integration, be accumulated in the integration account of described bank card user according to consumption; Described POS access gate device is used for the service message that POS sends over is sent to the bank card business dealing gateway server, and the operating result that the bank card business dealing gateway server returns is sent to described POS; Described bank card business dealing gateway server is used to receive and handle that POS initiates to the transferring accounts and query manipulation message of bank card account, and the return results messages.
Described bank card business dealing gateway server connects the bank card business dealing system of each commercial bank by data network, be used for transferring accounts of bank card account being sent to the bank card business dealing system of the commercial bank under the described bank card to what POS initiated with query manipulation message, and the response message that the bank card business dealing system of described commercial bank is returned sends to described POS.
The English full name of described POS is Point of Sale, be meant point of sales terminal, it is a kind of multi-functional terminal end, the franchised business that it is installed in bank card is unified into network with accepting in the site with computing machine, just can realize that electronic funds transfers accounts automatically, it has supports consumption, pre-authorization, inquiry into balance and the function of transferring accounts.
Described bank card business dealing gateway server is meant the bank card business dealing gateway device of China Unionpay.
Realize that the bank card user bankcard consumption promptly obtains cross-network accumulated on-line calculation method, it is characterized in that, may further comprise the steps:
Utilize the Computer Database application server to set up third party's total mark of consumption server, be used to bank card user to set up the integration accumulation account of bank card account number;
Bank card user is bankcard consumption on POS, described POS sends consumption order to the bank card business dealing gateway server, the bank card business dealing gateway server sends to described consumption order the trading server of the affiliated bank of described bank card, and return results sent to POS, consumption response message for success, the bank card business dealing gateway server sends to third party's total mark of consumption server to described consumption information, third party's total mark of consumption server is accumulated in the integration account of described bank card user after calculating integration according to the consumption amount of money.
Realize that the bank card user bankcard consumption promptly obtains cross-network accumulated offline computing method, it is characterized in that, may further comprise the steps:
Utilize the Computer Database application server to set up third party's total mark of consumption server, be used to bank card user to set up the integration accumulation account of bank card account number;
Bank card user is bankcard consumption on POS, described POS sends consumption order to the bank card business dealing gateway server, the bank card business dealing gateway server sends to the trading server of bank under the described bank card to described consumption order, and return results is sent to POS;
Third party's total mark of consumption server regularly obtains the consumer sale record of success in batches from the bank card business dealing gateway server, and after calculating integration according to the consumption amount of money in every consumer sale record, be accumulated in the integration account of the bank card user of initiating described consumer sale.
Realize the cross-network accumulated method of bank card user registration, it is characterized in that, may further comprise the steps:
In third party's total mark of consumption data in server storehouse, set up the number of the account of bank card user and the corresponding relation record sheet between the Mobile Directory Number;
On the actions menu of POS, increase the integration project of opening an account, selecting integration on the POS when bank card user opens an account after the instruction, bank card user is brushed bank card on POS, the input password, the Mobile Directory Number that input is related, POS produces open an account instruction and send to third party's total mark of consumption server of integration, third party's total mark of consumption server produces checking bank card identity according to the bank card account number in the described instruction of opening an account and password and instructs the bank card business dealing gateway server, bank card business dealing gateway server echo reply message, if the verification passes, after then third party's total mark of consumption server is set up the Bank Account Number and the corresponding relation between the described Mobile Directory Number of described bank card user, return the success message of opening an account for described POS, otherwise return the unsuccessful message of opening an account for described POS.
The realization bank card user is swiped the card and is inquired about cross-network accumulated method, it is characterized in that, may further comprise the steps:
On the actions menu of POS, increase the integration queried for items;
Bank card user is selected the integration query statement on POS, bank card user is brushed bank card on POS, POS produces the integration query statement and sends to third party's total mark of consumption server, third party's total mark of consumption server returns the scores accumulated information of described bank card user, POS printout integration information to POS.
Technique effect of the present invention is as follows:
The present invention realizes integration is carried out in the bank card consumption transaction by Unionpay's transaction system, it is third-party cross-network accumulated that bank card user is obtained during bankcard consumption on the POS of Unionpay, the third party can be based on cross-network accumulated consumption discount or the processes such as accumulated point exchanging cash or accumulated point exchanging commodity finished, help to increase the bank card consumption business, reduce the cash consumption business.
Description of drawings
Fig. 1 is that the present invention realizes that the bank card user bankcard consumption promptly obtains cross-network accumulated system architecture synoptic diagram.
Fig. 2 is the system architecture synoptic diagram of the embodiment of the invention one.
Fig. 3 is the flow chart of steps of the automatic integration of the embodiment of the invention one.
Fig. 4 is the flow chart of steps of the integration inquiry of the embodiment of the invention one.
Fig. 5 is the flow chart of steps that the integration of the embodiment of the invention one is opened an account.
Embodiment
As Fig. 1 is to realize that the bank card user bankcard consumption promptly obtains cross-network accumulated system architecture synoptic diagram, wherein:
POS130 connects POS access gate device 120 by communication network;
Third party's total mark of consumption server 100 is by data network and POS access gate device 120 and 110 interconnection of bank card business dealing gateway server;
Preferably, the communication protocol between third party's total mark of consumption server 100 and the bank card business dealing gateway server 110 adopts China Unionpay's issue " interchanger networking United Technologies standard V2.0 " agreement;
Preferably, the communication protocol between POS access gate device 120 and the bank card business dealing gateway server 110 adopts " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;
Preferably, the communication protocol between POS access gate device 120 and the third party's total mark of consumption server 100 adopts " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;
Preferably, the communication protocol between POS and the POS access gate device 120 adopts " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;
Preferably, " POS of the China Unionpay terminal specification " of reference, the integration of the POS instruction message of opening an account is defined as follows,
Open an account increment transaction data in the message of integration carries out self-definedly with 62 territories, wherein preceding 2 bytes are the usage sign " CI ", follow-up data field carries out as giving a definition:
| The position | Length | Form | Content | Explanation |
| 0 | 2 | N | Type of transaction | 07: customization |
| 2 | 2 | An | The customization type of number | 01: move 02: UNICOM, 03: telecommunications |
| 4 | 20 | Ans20 | Telephone number | Left-justify, right blank fill |
Preferably, " POS of the China Unionpay terminal specification " of reference, the integration query statement message of POS is defined as follows,
62 territories are defined as follows in the custom-built query message:
| The position | Length | Form | Content | Explanation |
| 0 | 12 | Ans | Type of transaction | Integration, for example 10000 expression integrations are 100.00 |
Realize that the bank card user bankcard consumption promptly obtains cross-network accumulated system, comprising: POS130, POS access gate device 120, bank card business dealing gateway server 110 and third party's total mark of consumption server 100; Wherein, POS130 is by communication network and 120 interconnection of POS access gate device, POS access gate device 120 is by data network and 110 interconnection of bank card business dealing gateway server, be used to realize the information interaction between POS130 and the bank card business dealing gateway server 110, by the data network interconnection, be used for realizing that the bank card bankcard consumption transaction record the success of bank card business dealing gateway server 110 sends to third party's total mark of consumption server 100 between bank card business dealing gateway server 110 and the third party's total mark of consumption server 100; Third party's total mark of consumption server 100 is Computer Database application servers, be used to bank card user in database, to set up integration account information data, be used to receive the Successful Transaction information of bank card user bankcard consumption, and after the amount of money calculates integration, be accumulated in the integration account of described bank card user according to consumption; POS access gate device 120 is used for the service message that POS130 sends over is sent to bank card business dealing gateway server 110, and the operating result that bank card business dealing gateway server 110 is returned sends to POS130; Bank card business dealing gateway server 110 is used to receive and handle that POS130 initiates to the transferring accounts and query manipulation message of bank card account, and the return results messages.
Bank card business dealing gateway server 110 connects the bank card business dealing system of each commercial bank by data network, be used for transferring accounts of bank card account being sent to the bank card business dealing system of the commercial bank under the described bank card to what POS130 initiated with query manipulation message, and the response message that the bank card business dealing system of described commercial bank is returned sends to POS130.
The English full name of POS is Point of Sale, be meant point of sales terminal, it is a kind of multi-functional terminal end, the franchised business that it is installed in bank card is unified into network with accepting in the site with computing machine, just can realize that electronic funds transfers accounts automatically, it has supports consumption, pre-authorization, inquiry into balance and the function of transferring accounts.
Preferably, bank card business dealing gateway server 110 is meant the bank card business dealing gateway device of China Unionpay.
Realize that the bank card user bankcard consumption promptly obtains cross-network accumulated on-line calculation method, may further comprise the steps:
Utilize the Computer Database application server to set up third party's total mark of consumption server 100, be used to bank card user to set up the integration accumulation account of bank card account number;
Bank card user is bankcard consumption on POS130, POS130 sends consumption order to bank card business dealing gateway server 110, bank card business dealing gateway server 110 sends to described consumption order the trading server of the affiliated bank of described bank card, and return results sent to POS130, consumption response message for success, bank card business dealing gateway server 110 sends to third party's total mark of consumption server 100 to described consumption information, third party's total mark of consumption server 100 is accumulated in the integration account of described bank card user after calculating integration according to the consumption amount of money.
Realize that the bank card user bankcard consumption promptly obtains cross-network accumulated offline computing method, may further comprise the steps:
Utilize the Computer Database application server to set up third party's total mark of consumption server 100, be used to bank card user to set up the integration accumulation account of bank card account number;
Bank card user is bankcard consumption on POS130, POS130 sends consumption order to bank card business dealing gateway server 110, bank card business dealing gateway server 110 sends to the trading server of bank under the described bank card to described consumption order, and return results is sent to POS130;
Third party's total mark of consumption server 100 regularly obtains the consumer sale record of success in batches from bank card business dealing gateway server 110, and after calculating integration according to the consumption amount of money in every consumer sale record, be accumulated in the integration account of the bank card user of initiating described consumer sale.
Realize the cross-network accumulated method of bank card user registration, may further comprise the steps:
In the database of third party's total mark of consumption server 100, set up the number of the account of bank card user and the corresponding relation record sheet between the Mobile Directory Number;
On the actions menu of POS130, increase the integration project of opening an account, selecting integration on the POS130 when bank card user opens an account after the instruction, bank card user is brushed bank card on POS130, the input password, the Mobile Directory Number that input is related, POS130 produces open an account instruction and send to third party's total mark of consumption server 100 of integration, third party's total mark of consumption server 100 produces checking bank card identity according to the bank card account number in the described instruction of opening an account and password and instructs bank card business dealing gateway server 110, bank card business dealing gateway server 110 echo reply message, if the verification passes, after then third party's total mark of consumption server 100 is set up the Bank Account Number and the corresponding relation between the described Mobile Directory Number of described bank card user, return the success message of opening an account to POS130, otherwise return the unsuccessful message of opening an account to POS130.
The realization bank card user is swiped the card and is inquired about cross-network accumulated method, may further comprise the steps:
On the actions menu of POS130, increase the integration queried for items;
Bank card user is selected the integration query statement on POS130, bank card user is brushed bank card on POS130, POS130 produces the integration query statement and sends to third party's total mark of consumption server 100, third party's total mark of consumption server 100 returns the scores accumulated information of described bank card user, POS130 printout integration information to POS130.
For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.
Consulting Fig. 2, is the preferred systems structural drawing of embodiments of the invention one, wherein,
POS130 is the consumption POS that China Unionpay installs;
The POS access gate device places on the pos interface machine 220 of Unionpay;
Bank card business dealing gateway server 110 is made up of POSP1101 (POS agency) and CUPS1102 (bank card business dealing gateway), and wherein POSP1101 is responsible for accepting the POS business, and CUPS1102 is responsible for handling the bank card business dealing business of each commercial bank;
Third party's total mark of consumption server 100 is database servers, and interconnects by data network between the CUPS1102, and interconnects by data network between the pos interface machine 220;
By the data network interconnection, by the data network interconnection, interconnect by data network between CUPS1102 and each the bank transaction gateway between CUPS1102 and the POSP1101 between pos interface machine 220 and the POSP1101;
The last increase of POS130 integration is opened an account and integration inquiry menu, when POS130 execution integration is opened an account with the integration query statement, POS130 sends to third party's total mark of consumption server 100 to described instruction message through pos interface machine 220, when POS130 carries out other instructions, then other instructions are sent to POSP1101 through pos interface machine 220;
CUPS1102 is sent to third party's total mark of consumption server 100 to successful each time bankcard consumption Transaction Information; Third party's total mark of consumption server has three kinds from the mode that CUPS1102 obtains the bankcard consumption Transaction Information of success: the one, and the CUPS of non real-time criticizes transfer mode, the general regularly load mode that adopts, the 2nd, the real-time load mode of CUPS, the 3rd, the message collection pattern, promptly by consumption and the response message data of data acquisition means acquisition stream through CUPS, present embodiment adopts real-time load mode; As Fig. 3, Fig. 4, shown in Figure 5, be the specific implementation process flow diagram of the various operations of the embodiment of the invention one.
Be the performing step of automatic integration as Fig. 3, specific as follows:
F1-F2: bank card user is bankcard consumption on POS130, and POS130 sends consumption order to pos interface machine 220;
F3-F4:POS interface message processor (IMP) 220 sends to POSP1101 to the consumption request instruction, and POSP1101 sends to CUPS1102 to the consumption request message;
F5-F6:CUPS1102 is consuming the bank transaction gateway 230 that request message sends to the bank of bank card account number ownership, and bank transaction gateway 230 returns the transaction response message to CUPS1102;
After F7-F8:CUPS1102 sends to POSP1101 to response message, consumer sale for success, CUPS1102 sends to third party's total mark of consumption server 100 to this consumer sale information, and third party's total mark of consumption server 100 changes into score accumulation to the consumption amount of money on the integration account of described bank card;
F9-F10:POSP1101 sends to POS130 to response message through pos interface machine 220, and POS130 shows response message.
As the performing step of Fig. 4, specific as follows for the integration inquiry:
F1-F2: the bank card user inquiry integration information of swiping the card on the POS130 of trade company, POS130 send the integration query statement to pos interface machine 220;
F3:POS interface message processor (IMP) 220 sends to third party's total mark of consumption server 100 to the instruction of integration query requests;
F4: third party's total mark of consumption server 100 returns the integration response message to pos interface machine 220 according to after the retrieval of the number of the account of the bank card in the integration query messages and calculating this user's integration;
F5:POS interface message processor (IMP) 220 sends to POS130 to this response message, and POS130 shows response message.
As Fig. 5 is to swipe the card to finish the step that integration is opened an account, specific as follows:
F1-F2: bank card user is swiped the card on the POS130 of trade company and is selected the integration menu of opening an account, input Mobile Directory Number, POS130 to send integration to open an account and instruct pos interface machine 220;
F3-F5:POS interface message processor (IMP) 220 sends to third party's total mark of consumption server 100 to the integration request instruction of opening an account, third party's total mark of consumption server 100 judges whether the account of the bank card in this instruction has opened transfer, if, then return the unsuccessful message of opening an account, EO, otherwise, generate bank card account checking instruction and the bank transaction gateway 230 under CUPS1102 sends to described bank card;
F6-F8: bank transaction gateway 230 returns the checking result, CUPS1102 sends to third party's total mark of consumption server 100 to response result, if checking is not passed through, then return the unsuccessful message of opening an account, EO, otherwise, behind the corresponding relation that third party's total mark of consumption server 100 is set up between described bank card account number and the Mobile Directory Number, return the success message of opening an account to pos interface machine 220;
F9:POS interface message processor (IMP) 220 sends to POS130 to this response message, and POS130 shows response message.
Above-described example only is a preferred implementation of the present invention; should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the principle of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (8)
1. realize that the bank card user bankcard consumption promptly obtains cross-network accumulated system, it is characterized in that, comprise POS, the POS access gate device, bank card business dealing gateway server and third party's total mark of consumption server, described POS is by communication network and the interconnection of POS access gate device, the POS access gate device is by data network and the interconnection of bank card business dealing gateway server, be used to realize the information interaction between POS and the bank card business dealing gateway server, by the data network interconnection, be used for realizing that the bank card bankcard consumption transaction record the success of bank card business dealing gateway server sends to third party's total mark of consumption server between described bank card business dealing gateway server and the third party's total mark of consumption server; Wherein, described third party's total mark of consumption server is the Computer Database application server, be used to bank card user in database, to set up integration account information data, be used to receive the Successful Transaction information of bank card user bankcard consumption, and after the amount of money calculates integration, be accumulated in the integration account of described bank card user according to consumption; Described POS access gate device is used for the service message that POS sends over is sent to the bank card business dealing gateway server, and the operating result that the bank card business dealing gateway server returns is sent to described POS; Described bank card business dealing gateway server is used to receive and handle that POS initiates to the transferring accounts and query manipulation message of bank card account, and the return results messages.
2. realization bank card user bankcard consumption according to claim 1 promptly obtains cross-network accumulated system, it is characterized in that, described bank card business dealing gateway server connects the bank card business dealing system of each commercial bank by data network, be used for transferring accounts of bank card account being sent to the bank card business dealing system of commercial bank under the described bank card to what POS initiated with query manipulation message, and the response message that the bank card business dealing system of described commercial bank is returned sends to described POS.
3. realization bank card user bankcard consumption according to claim 1 promptly obtains cross-network accumulated system, it is characterized in that, the English full name of described POS is Point of Sale, be meant point of sales terminal, it is a kind of multi-functional terminal end, it is installed in the franchised business of bank card and accepts in the site and be unified into network, just can realize that electronic funds transfers accounts the function that it has support consumption, pre-authorization, inquiry into balance and transfers accounts automatically with computing machine.
4. realization bank card user bankcard consumption according to claim 1 promptly obtains cross-network accumulated system, it is characterized in that, described bank card business dealing gateway server is meant the bank card business dealing gateway device of China Unionpay.
5. realize that the bank card user bankcard consumption promptly obtains cross-network accumulated on-line calculation method, it is characterized in that, may further comprise the steps:
Utilize the Computer Database application server to set up third party's total mark of consumption server, be used to bank card user to set up the integration accumulation account of bank card account number;
Bank card user is bankcard consumption on POS, described POS sends consumption order to the bank card business dealing gateway server, the bank card business dealing gateway server sends to described consumption order the trading server of the affiliated bank of described bank card, and return results sent to POS, consumption response message for success, the bank card business dealing gateway server sends to third party's total mark of consumption server to described consumption information, third party's total mark of consumption server is accumulated in the integration account of described bank card user after calculating integration according to the consumption amount of money.
6. realize that the bank card user bankcard consumption promptly obtains cross-network accumulated offline computing method, it is characterized in that, may further comprise the steps:
Utilize the Computer Database application server to set up third party's total mark of consumption server, be used to bank card user to set up the integration accumulation account of bank card account number;
Bank card user is bankcard consumption on POS, described POS sends consumption order to the bank card business dealing gateway server, the bank card business dealing gateway server sends to the trading server of bank under the described bank card to described consumption order, and return results is sent to POS;
Third party's total mark of consumption server regularly obtains the consumer sale record of success in batches from the bank card business dealing gateway server, and after calculating integration according to the consumption amount of money in every consumer sale record, be accumulated in the integration account of the bank card user of initiating described consumer sale.
7. realize the cross-network accumulated method of bank card user registration, it is characterized in that, may further comprise the steps:
In third party's total mark of consumption data in server storehouse, set up the number of the account of bank card user and the corresponding relation record sheet between the Mobile Directory Number;
On the actions menu of POS, increase the integration project of opening an account, selecting integration on the POS when bank card user opens an account after the instruction, bank card user is brushed bank card on POS, the input password, the Mobile Directory Number that input is related, POS produces open an account instruction and send to third party's total mark of consumption server of integration, third party's total mark of consumption server produces checking bank card identity according to the bank card account number in the described instruction of opening an account and password and instructs the bank card business dealing gateway server, bank card business dealing gateway server echo reply message, if the verification passes, after then third party's total mark of consumption server is set up the Bank Account Number and the corresponding relation between the described Mobile Directory Number of described bank card user, return the success message of opening an account for described POS, otherwise return the unsuccessful message of opening an account for described POS.
8. the realization bank card user is swiped the card and is inquired about cross-network accumulated method, it is characterized in that, may further comprise the steps:
On the actions menu of POS, increase the integration queried for items;
Bank card user is selected the integration query statement on POS, bank card user is brushed bank card on POS, POS produces the integration query statement and sends to third party's total mark of consumption server, third party's total mark of consumption server returns the scores accumulated information of described bank card user, POS printout integration information to POS.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200810224749A CN101520930A (en) | 2008-12-26 | 2008-12-26 | System and method for realizing acquisition of cross-network accumulated points as long as a bank card user pays through bank card |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200810224749A CN101520930A (en) | 2008-12-26 | 2008-12-26 | System and method for realizing acquisition of cross-network accumulated points as long as a bank card user pays through bank card |
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| CN101520930A true CN101520930A (en) | 2009-09-02 |
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| CN200810224749A Pending CN101520930A (en) | 2008-12-26 | 2008-12-26 | System and method for realizing acquisition of cross-network accumulated points as long as a bank card user pays through bank card |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102521772A (en) * | 2011-12-27 | 2012-06-27 | 深圳积享通信息技术有限公司 | Universal identification transaction platform system |
| CN103390320A (en) * | 2012-05-08 | 2013-11-13 | 中国银联股份有限公司 | Method and system for processing integral data |
| CN103530792A (en) * | 2012-07-03 | 2014-01-22 | 东芝泰格有限公司 | Point managing system, point managing server and method thereof |
| CN107466408A (en) * | 2015-06-19 | 2017-12-12 | 谷歌公司 | Reward on total mark in offline electronic payment system |
-
2008
- 2008-12-26 CN CN200810224749A patent/CN101520930A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102521772A (en) * | 2011-12-27 | 2012-06-27 | 深圳积享通信息技术有限公司 | Universal identification transaction platform system |
| CN103390320A (en) * | 2012-05-08 | 2013-11-13 | 中国银联股份有限公司 | Method and system for processing integral data |
| CN103530792A (en) * | 2012-07-03 | 2014-01-22 | 东芝泰格有限公司 | Point managing system, point managing server and method thereof |
| CN107466408A (en) * | 2015-06-19 | 2017-12-12 | 谷歌公司 | Reward on total mark in offline electronic payment system |
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Application publication date: 20090902 |