CN101908160A - Bank card management system and transaction counting and point using methods thereof - Google Patents

Bank card management system and transaction counting and point using methods thereof Download PDF

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Publication number
CN101908160A
CN101908160A CN2009100573854A CN200910057385A CN101908160A CN 101908160 A CN101908160 A CN 101908160A CN 2009100573854 A CN2009100573854 A CN 2009100573854A CN 200910057385 A CN200910057385 A CN 200910057385A CN 101908160 A CN101908160 A CN 101908160A
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bank card
integration
pos machine
information
transaction
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CN2009100573854A
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Chinese (zh)
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弋涛
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Individual
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Abstract

The invention discloses a bank card management system, which comprises a POS machine and a bank card consumption counting and point management platform, wherein the POS machine comprises a communication module, a function switching module and a transaction processing and storage module; and the bank card consumption counting and point management platform comprises a host module and a database module. The invention also discloses a transaction counting method for the bank card management system. In the bank card transaction each time, the accumulated transaction amount and/or point available balance of the bank card in the merchant is obtained through information change between the POS machine and the bank card consumption counting and point management platform. The invention also discloses a point using method for the bank card management system. The point is used through the information change between the POS machine and the bank card consumption counting and point management platform. The invention can make a consumer and the merchant manage the transaction of the bank card.

Description

The method that bank card management system, its transaction counting and point use
Technical field
The present invention relates to the system that a kind of transaction to bank card is added up, managed and uses, the invention still further relates to the transaction statistical method and the integration using method of this system.
Background technology
It is very general to use bank card to conclude the business on the POS machine at present, and each bank card business dealing all comprises the steps:
The 1st step, use bank card to conclude the business at the POS machine, the POS machine generates transaction request information.The bank card business dealing solicited message comprises the card number, exchange hour, dealing money of terminal number, the bank card of trade company's numbering, the POS machine of the POS machine that the bank card business dealing behavior takes place etc.
In the 2nd step, the POS machine sends to the bank card settlement platform with the bank card business dealing solicited message.The bank card settlement platform comprises China Unionpay etc.
In the 3rd step, the bank card settlement platform returns bank card business dealing information to the POS machine.Bank card business dealing information comprises the card number, exchange hour, dealing money of terminal number, the bank card of trade company's numbering, the POS machine of the POS machine of Transaction Success or failure, the behavior of generation bank card business dealing etc.
In the 4th step, the POS machine is printed on the transaction of POS machine with on the bar with bank card business dealing information.
Every bank card business dealing all involves the four directions: consumer (bank card possessor), trade company, POS machine possessor and bank.Bank can manage the All Activity behavior of bank card, but consumer, trade company and POS machine possessor lack effective bank card management method.
For consumer, trade company and POS machine possessor can be managed bank card business dealing, a kind of general way is to provide member card by trade company to the consumer at present.Trade company may have a plurality of POS machines, the consumer may have many bank cards, when the consumer uses bank card to conclude the business on any POS machine of same trade company at every turn, all on member card, stay record, so just can carry out to a certain degree management in the trading activity of this trade company this consumer.But there is defective in this method: the consumer must carry the member card of many different trade companies, and trade company must buy and safeguard special member card management system.
Summary of the invention
Technical matters to be solved by this invention provides a kind of bank card management system, and this system can help consumer and trade company that bank card business dealing is managed.The present invention also will provide the transaction statistical method and the integration using method of described bank card management system for this reason.
For solving the problems of the technologies described above, bank card management system of the present invention comprises POS machine and bank card consumption counting and point management platform;
Described POS machine comprises communication module, function handover module and transaction processing and memory module;
Described communication module connects bank card settlement platform and bank card consumption counting and point management platform respectively;
Described function handover module switches described POS machine between transaction counting and point use two states, be in the transaction statistic behavior under the default situations, and promptly receiving bank sticks into the state of row transaction;
Described transaction processing and memory module generate the bank card business dealing solicited message, send the bank card business dealing solicited message to the bank card settlement platform, receive bank card business dealing information from the bank card settlement platform, again with the bank card business dealing information temporary storage of Transaction Success, bank card business dealing information with Transaction Success is sent to bank card consumption counting and point management platform simultaneously, receives the bank card business dealing statistical information from bank card consumption counting and point management platform;
Described transaction processing and memory module also generate integration and use solicited message, send integration to bank card consumption counting and point management platform and use solicited message, receive integration from bank card consumption counting and point management platform and use information;
Described bank card consumption counting and point management platform comprises host module and database module;
Described database module stores has bank card to use information at the bank card business dealing information of all POS machines and/or bank card at the integration that each has in the trade company of integration plan;
Described host module receives the bank card business dealing information of the Transaction Success of POS machine transmission, add described bank card business dealing information to described database module, in described database module, inquire about and calculate the accumulation dealing money of described bank card generation transaction on all POS machines of same trade company numbering again, will comprise that the bank card business dealing statistical information of described accumulation dealing money sends to the POS machine;
When the trade company in the current transaction has the integration plan, described host module is also converted to integration with current dealing money, add described integration to described database module, again in described database module the inquiry and calculate the integration available balance of described bank card in described trade company, will comprise that the bank card business dealing statistical information of described integration available balance sends to the POS machine;
Described host module also receives the integration use solicited message that the POS machine sends, the described bank card of inquiry is in the integration available balance of same trade company in described database module, when described integration uses integration in the solicited message to use the amount of money to be less than or equal to described integration available balance, in database module, use the amount of money from described integration available balance, to deduct described integration, and will comprise that the integration use information of the integration available balance behind the deduction sends to the POS machine.
The transaction statistical method of above-mentioned bank card management system comprises the steps:
In the 1st step, the POS machine switches to the transaction statistic behavior, and promptly receiving bank's state of sticking into row transaction uses bank card to conclude the business at the POS machine, and the POS machine generates transaction request information;
In the 2nd step, the POS machine sends to the bank card settlement platform with the bank card business dealing solicited message;
In the 3rd step, the bank card settlement platform returns bank card business dealing information to described POS machine;
In the 4th step, described POS machine is kept in the bank card business dealing information of Transaction Success, and the bank card business dealing information of this Transaction Success is sent to bank card consumption counting and point management platform;
The 5th step, described bank card consumption counting and point management platform receives described bank card business dealing information, add described bank card business dealing information to described database module, and all bank card business dealing information that the described bank card of inquiry takes place at all POS machines of described trade company numbering in database, generation comprises the transaction statistical information of accumulating dealing money at least, and described transaction statistical information is sent to described POS machine;
In the 6th step, described POS machine is printed on the transaction of POS machine with on the bar together with the bank card business dealing information of temporary Transaction Success and the transaction statistical information of receiving.
The integration using method of above-mentioned bank card management system comprises the steps:
In the 1st step, the POS machine switches to the integration user mode, uses bank card to carry out integration at the POS machine and uses, and the POS machine generates integration and uses solicited message;
In the 2nd step, the POS machine uses solicited message to send to bank card consumption counting and point management platform integration;
The 3rd step, bank card consumption counting and point management platform receives integration and uses solicited message, the integration available balance of the described bank card of inquiry under described trade company numbering in database, when integration uses the amount of money to be less than or equal to the integration available balance, integration available balance in the database is upgraded, generation comprises that at least the integration of the integration available balance after the renewal uses information, and described integration use information is sent to the POS machine;
In the 4th step, the POS machine is printed on the transaction of POS machine with on the bar with integration use information.
The present invention can add up, manage the transaction of bank card easily, thereby makes things convenient for consumer and trade company.
Description of drawings
Fig. 1 is the structural representation of bank card management system of the present invention;
Fig. 2 is the synoptic diagram of the transaction statistical method of bank card management system shown in Figure 1;
Fig. 3 is the synoptic diagram of the integration using method of bank card management system shown in Figure 1.
Embodiment
See also Fig. 1, bank card business dealing management system of the present invention comprises POS (Point Of Sales) machine and bank card consumption counting and point management platform, relates to the bank card settlement platform simultaneously.
POS machine among the present invention comprises communication module, function handover module and transaction processing and memory module.Wherein, communication module connects bank card settlement platform and bank card consumption counting and point management platform respectively.The function handover module switches the POS machine between transaction counting and point use two states, the POS machine is in the transaction statistic behavior under the default situations.Transaction processing and memory module generate the bank card business dealing solicited message under the transaction statistic behavior, send the bank card business dealing solicited message to the bank card settlement platform, receive bank card business dealing information from the bank card settlement platform, again with the bank card business dealing information temporary storage of Transaction Success, bank card business dealing information with Transaction Success is sent to bank card consumption counting and point management platform simultaneously, receives the bank card business dealing statistical information from bank card consumption counting and point management platform.Transaction processing and memory module generate integration and use solicited message under the integration user mode, send integration to bank card consumption counting and point management platform and use solicited message, receive integration from bank card consumption counting and point management platform and use information.
The same with existing POS machine, the POS machine among the present invention also comprises termination management module, safety management module and print module (not shown).Wherein, termination management module is used to be provided with trade company's numbering, terminal number, the time of POS machine, amount of money of every bank card business dealing etc.Safety management module is encrypted all transmission information of POS machine, and all reception information of POS machine are decrypted.Print module is printed on the transaction of POS machine with on the bar with bank card business dealing information, transaction statistical information and/or integration use information.
Bank card consumption counting and point management platform among the present invention comprises host module and database module.Wherein, database module stores has bank card to use information at the bank card business dealing information of all POS machines and/or bank card at the integration that each has in the trade company of integration plan.Host module receives the bank card business dealing information of the Transaction Success of POS machine transmission under the transaction statistic behavior, add described bank card business dealing information to described database module, in described database module, inquire about and calculate the accumulation dealing money of described bank card generation transaction on all POS machines of same trade company numbering again, will comprise that the bank card business dealing statistical information of described accumulation dealing money sends to the POS machine.When the trade company in the current transaction has the integration plan, host module also is converted to integration with current dealing money, add the integration of conversion to database module, again in database module the inquiry and calculate the integration available balance of bank card in trade company, will comprise that the bank card business dealing statistical information of integration available balance sends to the POS machine.Host module also receives the integration use solicited message that the POS machine sends under the integration user mode, the inquiry bank card is in the integration available balance of same trade company in database module, when the integration in the integration use solicited message uses the amount of money to be less than or equal to the integration available balance, in database module, use the amount of money from the integration available balance, to deduct integration, and will comprise that the integration use information of the integration available balance behind the deduction sends to the POS machine.
Similar with traditional bank card settlement platform, the bank card consumption counting and point management platform among the present invention also comprises network control module, Fire Wall Module and management server module (not shown).Wherein, network control module is responsible for carrying out two-way communication with the POS machine.The network security of Fire Wall Module protection bank card consumption counting and point management platform.The management server module management, safeguard all the other each modules of bank card consumption counting and point management platform.The information that host module also will come from the POS machine is decrypted, and the information that will send to the POS machine is encrypted.
Among the present invention, the bank card business dealing solicited message comprises trade company's numbering, the terminal number of POS machine, the card number of bank card, exchange hour, the dealing money of the POS machine that the bank card business dealing behavior takes place.Bank card business dealing information comprises trade company's numbering, the terminal number of POS machine, the card number of bank card, exchange hour, the dealing money of the POS machine of Transaction Success or failure, the behavior of generation bank card business dealing.The transaction statistical information comprises accumulation dealing money and/or the integration available balance of bank card at all POS machines of same trade company numbering.Integration uses solicited message to comprise that card number, integration service time, the integration of terminal number, the bank card of trade company's numbering, the POS machine of the POS machine that the integration usage behavior takes place use the amount of money.Integration use information comprises that integration uses successfully or fail, take place the card number of the terminal number of the trade company numbering of the POS machine of integration usage behavior, POS machine, bank card, integration service time, integration uses the amount of money, integration available balance, the not enough remaining sum of integration.
See also Fig. 2, the transaction statistical method of bank card management system of the present invention comprises the steps:
In the 1st step, the POS machine switches to the transaction statistic behavior, and promptly receiving bank's state of sticking into row transaction uses bank card to conclude the business at the POS machine, and the POS machine generates the bank card business dealing solicited message.
In the 2nd step, the POS machine sends to the bank card settlement platform with the bank card business dealing solicited message.。
In the 3rd step, the bank card settlement platform returns bank card business dealing information to the POS machine.
In the 4th step, the POS machine is kept in the bank card business dealing information of Transaction Success, and the bank card business dealing information of this Transaction Success is sent to bank card consumption counting and point management platform.
In the 5th step, bank card consumption counting and point management platform receives bank card business dealing information, and described bank card business dealing information is added in the database.Then the inquiry bank card is in all bank card business dealing information of all POS machines generations of described trade company numbering in database, and generation comprises the transaction statistical information of accumulating dealing money at least, and described transaction statistical information is sent to described POS machine.
In the 6th step, described POS machine is printed on the transaction of POS machine with on the bar together with the bank card business dealing information of temporary Transaction Success and the transaction statistical information of receiving.
Described method is in the 5th step, when described trade company has the integration plan, described bank card consumption counting and point management platform also transfers the dealing money in the described bank card business dealing information and is changed to integration according to integrating meter, add the integration of conversion to described database module, and in database the integration available balance of the described bank card of inquiry under described trade company numbering, generate the transaction statistical information that comprises the integration available balance at least, and described transaction statistical information is sent to described POS machine.The integration plan is to be stored in bank card consumption counting and point management platform in advance, comprises the contents such as conversion method between dealing money and the integration.
See also Fig. 3, the integration using method of bank card management system of the present invention comprises the steps:
In the 1st step, the POS machine switches to the integration user mode, uses bank card to carry out integration at the POS machine and uses, and the POS machine generates integration and uses solicited message.
In the 2nd step, the POS machine uses solicited message to send to bank card consumption counting and point management platform integration;
The 3rd step, bank card consumption counting and point management platform receives integration and uses solicited message, the integration available balance of the described bank card of inquiry under described trade company numbering in database, when integration uses the amount of money to be less than or equal to the integration available balance, integration available balance in the database is upgraded, generation comprises that at least the integration of the integration available balance after the renewal uses information, and described integration use information is sent to the POS machine;
In the 4th step, the POS machine is printed on the transaction of POS machine with on the bar with integration use information.
Described method is in the 3rd step, bank card consumption counting and point management platform receives integration and uses solicited message, the integration available balance of the described bank card of inquiry under described trade company numbering in database, when integration uses the amount of money greater than the integration available balance, with the integration available balance zero clearing in the database, generate the integration that comprises the not enough amount of money of integration at least and use information, and described integration use information is sent to the POS machine; The not enough amount of money of described integration is the difference that integration uses the amount of money and integration avail.
In sum, bank card management system of the present invention, its transaction counting and point using method provide a kind of system and method for brand-new bank card management for consumer and trade company.The consumer can be directly with bank card as member card, obtain the accumulative total dealing money of this bank card by the transaction of POS machine, carry out integration by the POS machine and use, thereby the inconvenience of saving the member card that carries many different trade companies.The expenditure of buying and safeguarding special member card management system can be save by trade company.
The introduction that the foregoing description is detailed technical scheme of the present invention, under the prerequisite of not violating inventive concept and spirit, those skilled in the art all should be considered as within protection scope of the present invention any variation and modification that the present invention did.

Claims (7)

1. a bank card management system is characterized in that, comprises POS machine and bank card consumption counting and point management platform;
Described POS machine comprises communication module, function handover module and transaction processing and memory module;
Described communication module connects bank card settlement platform and bank card consumption counting and point management platform respectively;
Described function handover module switches described POS machine between transaction counting and point use two states, be in the transaction statistic behavior under the default situations;
Described transaction processing and memory module generate the bank card business dealing solicited message, send the bank card business dealing solicited message to the bank card settlement platform, receive bank card business dealing information from the bank card settlement platform, again with the bank card business dealing information temporary storage of Transaction Success, bank card business dealing information with Transaction Success is sent to bank card consumption counting and point management platform simultaneously, receives the bank card business dealing statistical information from bank card consumption counting and point management platform;
Described transaction processing and memory module also generate integration and use solicited message, send integration to bank card consumption counting and point management platform and use solicited message, receive integration from bank card consumption counting and point management platform and use information;
Described bank card consumption counting and point management platform comprises host module and database module;
Described database module stores has bank card to use information at the bank card business dealing information of all POS machines and/or bank card at the integration that each has in the trade company of integration plan;
Described host module receives the bank card business dealing information of the Transaction Success of POS machine transmission, add described bank card business dealing information to described database module, in described database module, inquire about and calculate the accumulation dealing money of described bank card generation transaction on all POS machines of same trade company numbering again, will comprise that the bank card business dealing statistical information of described accumulation dealing money sends to the POS machine;
When the trade company in the current transaction has the integration plan, described host module also is converted to integration with current dealing money, add described integration to described database module, again in described database module the inquiry and calculate the integration available balance of described bank card in described trade company, will comprise that the bank card business dealing statistical information of described integration available balance sends to the POS machine;
Described host module also receives the integration use solicited message that the POS machine sends, the described bank card of inquiry is in the integration available balance of same trade company in described database module, when described integration uses integration in the solicited message to use the amount of money to be less than or equal to described integration available balance, in database module, use the amount of money from described integration available balance, to deduct described integration, and will comprise that the integration use information of the integration available balance behind the deduction sends to the POS machine.
2. bank card management system according to claim 1 is characterized in that, described POS machine also comprises termination management module, safety management module and print module;
Described termination management module is used to be provided with trade company's numbering, terminal number, the time of described POS machine, the amount of money of every bank card business dealing;
Described safety management module is encrypted all transmission information of described POS machine, and all reception information of described POS machine are decrypted;
Described print module is printed on the transaction of POS machine with on the bar with described bank card business dealing information, transaction statistical information and/or integration use information;
Described bank card consumption counting and point management platform also comprises network control module, Fire Wall Module and management server module;
Described network control module receives the information that described POS machine sends, and sends information to described POS machine;
Described Fire Wall Module is protected the network security of described bank card consumption counting and point management platform;
Each module of the described bank card consumption counting and point of described management server module management management platform;
Described host module also is decrypted the information that comes from the POS machine of described network control module forwards, and will prepare to encrypt via the information that sends to the POS machine that the network control module is pass on.
3. bank card management system according to claim 1 and 2, it is characterized in that described bank card business dealing solicited message comprises trade company's numbering, the terminal number of POS machine, the card number of bank card, exchange hour, the dealing money of the POS machine that the bank card business dealing behavior takes place;
Described bank card business dealing information comprises trade company's numbering, the terminal number of POS machine, the card number of bank card, exchange hour, the dealing money of the POS machine of Transaction Success or failure, the behavior of generation bank card business dealing;
Described transaction statistical information comprises accumulation dealing money, integration available balance and/or the integration not enough remaining sum of described bank card at all POS machines of same trade company numbering;
Described integration uses solicited message to comprise that card number, integration service time, the integration of terminal number, the bank card of trade company's numbering, the POS machine of the POS machine that the integration usage behavior takes place use the amount of money;
Described integration use information comprises that integration uses successfully or fail, take place the card number of the terminal number of the trade company numbering of the POS machine of integration usage behavior, POS machine, bank card, integration service time, integration uses the amount of money, integration available balance.
4. the transaction statistical method of bank card management system as claimed in claim 1 is characterized in that, comprises the steps:
In the 1st step, the POS machine switches to the transaction statistic behavior, and promptly receiving bank sticks into the state of row transaction, uses bank card to conclude the business at the POS machine, and the POS machine generates transaction request information;
In the 2nd step, the POS machine sends to the bank card settlement platform with the bank card business dealing solicited message;
In the 3rd step, the bank card settlement platform returns bank card business dealing information to described POS machine;
In the 4th step, described POS machine is kept in the bank card business dealing information of Transaction Success, and the bank card business dealing information of this Transaction Success is sent to bank card consumption counting and point management platform;
The 5th step, described bank card consumption counting and point management platform receives described bank card business dealing information, add described bank card business dealing information to described database module, and all bank card business dealing information that the described bank card of inquiry takes place at all POS machines of described trade company numbering in database, generation comprises the transaction statistical information of accumulating dealing money at least, and described transaction statistical information is sent to described POS machine;
In the 6th step, described POS machine is printed on the transaction of POS machine with on the bar together with the bank card business dealing information of temporary Transaction Success and the transaction statistical information of receiving.
5. the transaction statistical method of bank card management system according to claim 3, it is characterized in that, described method is in the 5th step, when described trade company has the integration plan, described bank card consumption counting and point management platform also transfers the dealing money in the described bank card business dealing information and is changed to integration according to integrating meter, add the integration of conversion to described database module, and in database the integration available balance of the described bank card of inquiry under described trade company numbering, generate the transaction statistical information that comprises the integration available balance at least, and described transaction statistical information is sent to described POS machine.
6. the integration using method of bank card management system as claimed in claim 1 is characterized in that, comprises the steps:
In the 1st step, the POS machine switches to the integration user mode, uses bank card to carry out integration at the POS machine and uses, and the POS machine generates integration and uses solicited message;
In the 2nd step, the POS machine uses solicited message to send to bank card consumption counting and point management platform integration;
The 3rd step, bank card consumption counting and point management platform receives integration and uses solicited message, the integration available balance of the described bank card of inquiry under described trade company numbering in database, when integration uses the amount of money to be less than or equal to the integration available balance, integration available balance in the database is upgraded, generation comprises that at least the integration of the integration available balance after the renewal uses information, and described integration use information is sent to the POS machine;
In the 4th step, the POS machine is printed on the transaction of POS machine with on the bar with integration use information.
7. the integration using method of bank card management system according to claim 6, it is characterized in that, described method is in the 3rd step, bank card consumption counting and point management platform receives integration and uses solicited message, the integration available balance of the described bank card of inquiry under described trade company numbering in database, when integration uses the amount of money greater than the integration available balance, with the integration available balance zero clearing in the database, generate the integration that comprises the not enough amount of money of integration at least and use information, and described integration use information is sent to the POS machine;
The not enough amount of money of described integration is the difference that integration uses the amount of money and integration avail.
CN2009100573854A 2009-06-08 2009-06-08 Bank card management system and transaction counting and point using methods thereof Pending CN101908160A (en)

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Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102760337A (en) * 2011-04-27 2012-10-31 中国移动通信集团广东有限公司 Information processing method, system and point-of-sale terminal
CN103455509A (en) * 2012-05-31 2013-12-18 阿里巴巴集团控股有限公司 Method and system for acquiring time window model parameter
CN103794007A (en) * 2012-10-31 2014-05-14 东芝泰格有限公司 Cash registering apparatus, point server and cash registration method
CN104200376A (en) * 2014-08-22 2014-12-10 深圳市淘淘谷信息技术有限公司 Method for achieving purpose of enabling consumer to enjoy merchant member benefits by swiping bank card based on bank card system
CN106530423A (en) * 2016-11-02 2017-03-22 北京悦畅科技有限公司 Method for paying parking fee, and server
CN107424227A (en) * 2016-05-24 2017-12-01 北京奥斯达兴业科技有限公司 Member's accumulated point exchanging airport parking fee method and system
CN111752527A (en) * 2019-03-29 2020-10-09 刘启庆 Accumulation management device and accumulation management system

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102760337A (en) * 2011-04-27 2012-10-31 中国移动通信集团广东有限公司 Information processing method, system and point-of-sale terminal
CN103455509A (en) * 2012-05-31 2013-12-18 阿里巴巴集团控股有限公司 Method and system for acquiring time window model parameter
CN103455509B (en) * 2012-05-31 2017-03-01 阿里巴巴集团控股有限公司 A kind of method and system obtaining time window model parameter
CN103794007A (en) * 2012-10-31 2014-05-14 东芝泰格有限公司 Cash registering apparatus, point server and cash registration method
CN104200376A (en) * 2014-08-22 2014-12-10 深圳市淘淘谷信息技术有限公司 Method for achieving purpose of enabling consumer to enjoy merchant member benefits by swiping bank card based on bank card system
CN107424227A (en) * 2016-05-24 2017-12-01 北京奥斯达兴业科技有限公司 Member's accumulated point exchanging airport parking fee method and system
CN106530423A (en) * 2016-11-02 2017-03-22 北京悦畅科技有限公司 Method for paying parking fee, and server
CN106530423B (en) * 2016-11-02 2020-04-21 北京悦畅科技有限公司 Method and server for realizing parking fee payment
CN111752527A (en) * 2019-03-29 2020-10-09 刘启庆 Accumulation management device and accumulation management system

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