CN101950402A - Method and system for realizing two accounts of one bank card - Google Patents

Abstract

The invention discloses a method and a system for realizing financial transaction and management transaction with two accounts of one bank card. The system comprises a first banking core service subsystem, a second banking core service subsystem, a first banking service front end and a second banking service front end. In the invention, the linkage of the first banking core service subsystem and the second banking core service subsystem are realized through the first banking service front end and the second banking service front end, one bank card may have two trans-regional bank accounts, the card holder can use a local account in a local area and use a different account in a different place, and when the balance of the local account is insufficient, the different account can be linked to transfer funds. In addition, the state information of the bank card with two accounts can be synchronized trans-regionally. Therefore, the card holder can make bank card transaction trans-regionally.

Description

A kind of method and system of realizing bank's card two families

Technical field

The present invention relates to the bank card field, more specifically, relate to a kind of account class transaction method and system and a kind of administrative class transaction method and system that realizes bank's card two families that realizes bank's card two families.

Background technology

Along with the development of interior economy and the raising of appreciation of the RMB potentiality, constantly there is client Lai Nei ground, Hong Kong bank to open an account, simultaneously, along with the continuous enhancing of the interior ground client consciousness of managing money matters and the powerful attractive force of Hong Kong free economy, often there are a large amount of interior ground clients to open an account to Hong Kong, thus, the personage in ground and Hong Kong is more and more in travelling to and fro between, the economic activity of striding two places is also all the more frequent, people press for a kind of bank card product that can cross over the two places bank account, carry out trans-regional transaction between ground and Hong Kong in the bank card that is convenient for people to use is travelled to and fro between.

For example, when ground bank snaps into the trans-regional consumption in Hong Kong in people hold, if carry a large amount of cashes, then both dangerous also inconvenience, in addition, people also wish to use in the strange land bank card can handle bill operation as local bank's card, transfer accounts and business such as remittance sometimes.In order to satisfy the demand of the trans-regional transaction of this use bank card of people, China Merchants Bank has issued the logical bank card in a kind of card two places, realize being provided with the data storage device in the system host of this bank card, and what be provided with corresponding bank card number in this data storage device is respectively first, second client's universal account of bank of deposit with credit card issuer and credit card issuer head office, ground account and Hong Kong account in these two client's universal accounts are rendered as respectively, thus realize that the holder crosses over interior ground and bank card is used in two places, Hong Kong.But, these two accounts are the account systems that belong to credit card issuer, no matter the holder uses bank card to initiate transaction in the local still strange land of credit card issuer, the information of this transaction all will forward the banking system of credit card issuer to and handle, the time and the cost of transaction processing have been increased virtually, that is: the essence of the logical bank card in this card two places remains two bank accounts that bank card has and belongs to same account system, does not really realize that same bank card can cross over two bank accounts in two areas and use.

Therefore, need special personage badly and design a universal bank card product for ground in often travelling to and fro between and Hong Kong, a bank card has two trans-regional bank accounts that belong to two trans-regional banking systems respectively, the holder mainly uses local account when this locality, when the strange land, mainly use the strange land account, and when local bank account when Sorry, your ticket has not enough value, the strange land banking system that can link allotted fund from the bank account of strange land, thus the trans-regional channel of treasury trade more efficiently provided for the holder.

Summary of the invention

The objective of the invention is to: a kind of method and system of realizing bank's card two families is provided, be used to realize that a bank card has two trans-regional bank accounts that belong to two trans-regional banking systems respectively simultaneously, make the holder can stride two areas and use a bank card to carry out transaction of account class or administrative class transaction.

On the one hand, the invention provides a kind of account class transaction method that realizes bank's card two families, this method comprises:

The a professional preposition card two family account class Transaction Informations of accepting channel from the Bank One Corp. card that will receive of Bank One Corp. are sent to Bank One Corp. core business subsystem, and notice Bank One Corp. core business subsystem carries out pre-service to a described card two family account class Transaction Informations;

Bank One Corp. core business subsystem carries out pre-service to a described card two family account class Transaction Informations, and according to pretreated result to the professional preposition transmission return messages of Bank One Corp., wherein, described return messages comprise expression first message of secondary bank core business subsystem and expression needs second message by the preposition interlock secondary bank core business subsystem of secondary bank business that need not to link;

The Bank One Corp. business is preposition to be handled a described card two family account class Transaction Informations according to described return messages.

On the other hand, the invention provides a kind of administrative class transaction method that realizes bank's card two families, this method comprises:

The a professional preposition card two family administrative class Transaction Informations of accepting channel from the Bank One Corp. card that will receive of Bank One Corp. are sent to Bank One Corp. core business subsystem, and notice Bank One Corp. core business subsystem is revised Bank One Corp. card status informations according to a described card two family administrative class Transaction Informations;

Professional preposition the finishing at Bank One Corp. core business subsystem of Bank One Corp. revises that will a described card two family administrative class Transaction Informations to be sent to the secondary bank business after handling preposition, and the notice secondary bank is professional prepositionly blocks the two family administrative class Transaction Informations secondary bank core business subsystems that link according to described one.

Correspondingly, the present invention also provides a kind of system that realizes the account class transaction at bank's card two families, and described system comprises Bank One Corp. core business subsystem and secondary bank core business subsystem, and described system also comprises:

The Bank One Corp. business is preposition, be used for receiving from the Bank One Corp. card accept channel one the card two family account class Transaction Informations be sent to Bank One Corp. core business subsystem, and notify described Bank One Corp. core business subsystem to described one the card two family account class Transaction Informations carry out pre-service;

Described Bank One Corp. core business subsystem, be used for a described card two family account class Transaction Informations are carried out pre-service, and according to pretreated result to the professional preposition transmission return messages of Bank One Corp., wherein, described return messages comprise expression first message of secondary bank core business subsystem and expression needs second message by the preposition interlock secondary bank core business subsystem of secondary bank business that need not to link;

Described Bank One Corp. professional preposition also being used for handles a described card two family account class Transaction Informations according to described return messages.

Correspondingly, the present invention also provides a kind of system that realizes the administrative class transaction at bank's card two families, and described system comprises Bank One Corp. core business subsystem and secondary bank core business subsystem, and described system also comprises:

The Bank One Corp. business is preposition, is used to be achieved as follows function:

The a card two family administrative class Transaction Informations of accepting channel from the Bank One Corp. card that receive are sent to described Bank One Corp. core business subsystem, and notify described Bank One Corp. core business subsystem to revise Bank One Corp. card status informations according to a described card two family administrative class Transaction Informations;

After described Bank One Corp. core business subsystem is finished described modification processing, it is preposition that a described card two family administrative class Transaction Informations are sent to the secondary bank business, and the notice secondary bank is professional preposition according to a described card two family administrative class Transaction Informations interlock secondary bank core business subsystems;

Described secondary bank business is preposition, is used to receive a described card two family administrative class Transaction Informations, and according to a described card two family administrative class Transaction Information interlock secondary bank core business subsystems.

Implement a kind of method and system at bank's card two families of realizing of the present invention and have following beneficial effect: by the interlock of professional preposition and professional preposition realization Bank One Corp. core business subsystem of secondary bank and secondary bank core business subsystem of Bank One Corp., thereby make one one card two family bank cards have two trans-regional bank accounts simultaneously, the holder mainly uses local account when this locality, when the strange land, mainly use the strange land account, and at local bank account when Sorry, your ticket has not enough value, the strange land bank account that can link realizes the trans-regional allocation of the funds, simultaneously can also trans-regional realization bank card status information synchronously, make things convenient for the trans-regional use of holder.

Description of drawings

Fig. 1 is the embodiment 1 that realizes the account class transaction method at bank card two families of the present invention.

Fig. 2 is the embodiment 2 that realizes the account class transaction method at bank card two families of the present invention.

Fig. 3 is process flow diagram that to be example to withdraw the money describe the account class transaction method at realization of the present invention bank card two families.

Fig. 4 is the embodiment that realizes the administrative class transaction method at bank card two families of the present invention.

Fig. 5 reports the loss the process flow diagram that to be example describe the administrative class transaction method at realization of the present invention bank card two families with bank card.

Fig. 6 is the embodiment of system 1 of the account class transaction at realization of the present invention bank card two families.

Fig. 7 is the embodiment of system 2 of the administrative class transaction at realization of the present invention bank card two families.

Embodiment

For the purpose, technical scheme and the advantage that make embodiments of the invention is clearer, further combined with accompanying drawing the present invention is described in detail below.

Fig. 1 is the embodiment 1 that realizes the account class transaction method at bank card two families of the present invention.As shown in Figure 1, the embodiment 1 of the account class transaction method at realization bank card two families comprises the steps:

S100, the a professional preposition card two family account class Transaction Informations of accepting channel from the Bank One Corp. card that will receive of Bank One Corp. are sent to Bank One Corp. core business subsystem, and notice Bank One Corp. core business subsystem carries out pre-service to a described card two family account class Transaction Informations.Wherein, notice Bank One Corp. core business subsystem carries out pretreated implementation and includes but not limited to adopt the mode of calling, that is: the professional preposition corresponding module that calls in the Bank One Corp. core business subsystem of Bank One Corp. carries out described pre-service.Described Bank One Corp. card is accepted channel and is comprised ATM or POS terminal etc.

S101, Bank One Corp. core business subsystem carries out pre-service to a described card two family account class Transaction Informations, and according to pretreated result to the professional preposition transmission return messages of Bank One Corp., wherein, described return messages comprise expression first message of secondary bank core business subsystem and expression needs second message by the preposition interlock secondary bank core business subsystem of secondary bank business that need not to link.The detailed content of this step will be set forth in conjunction with Fig. 2 hereinafter.

S102, the Bank One Corp. business is preposition to be handled a described card two family account class Transaction Informations according to described return messages.

Wherein, above-mentioned Bank One Corp. core business subsystem and secondary bank core business subsystem are respectively Bank One Corp. account and the affiliated systems of secondary bank account that a card two family bank cards have, and all are the core systems that is used for the processing bank card transaction.For example, they can be interior ground Construction Bank core business system CCBS or Hong Kong Construction Bank core business system ICBS.Described Bank One Corp. account can comprise at least a account in the current account of the cash current account of cash current account, first Currency Type of first Currency Type and second Currency Type, and described secondary bank account can comprise at least a account in the current account of the cash current account of cash current account, first Currency Type of first Currency Type and second Currency Type.The detailed content of this step also will be set forth in conjunction with Fig. 2 hereinafter.

Next set forth the embodiment 2 of the account class transaction method that realizes bank card two families in conjunction with Fig. 2, in embodiment 2, same, Bank One Corp. core business subsystem and secondary bank core business subsystem are respectively the Bank One Corp. account of a card two family bank cards and the system under the secondary bank account.

As shown in Figure 2, the embodiment 2 of the account class transaction method at realization bank card two families comprises the steps:

S200, the a professional preposition card two family account class Transaction Informations of accepting channel from the Bank One Corp. card that will receive of Bank One Corp. are sent to Bank One Corp. core business subsystem, and notice Bank One Corp. core business subsystem carries out pre-service to a described card two family account class Transaction Informations.Wherein, notice Bank One Corp. core business subsystem carries out pretreated implementation and includes but not limited to adopt the mode of calling, that is: the professional preposition corresponding module that calls in the Bank One Corp. core business subsystem of Bank One Corp. carries out described pre-service.

S201, whether the remaining sum that Bank One Corp. core business subsystem is judged the Bank One Corp. account according to a described card two family account class Transaction Informations is less than the required dealing money of this transaction and the summation of commission amount, when being judged as not, execution in step S202, when being judged as when being execution in step S204.

S202, Bank One Corp. core business subsystem be to the professional preposition transmission return messages of Bank One Corp., and these return messages are expression need not to link first message of secondary bank core business subsystem.

S203, the professional preposition notice Bank One Corp. core business subsystem of Bank One Corp. is reduced the summation of required dealing money of this transaction and commission amount and is finished this transaction in the Bank One Corp. account, thus described method finishes.Wherein, the implementation that notice Bank One Corp. core business subsystem is reduced processing includes but not limited to adopt the mode of calling, that is: the professional preposition corresponding module that calls in the Bank One Corp. core business subsystem of Bank One Corp. is reduced and handled and finish transaction.Describedly finish this transaction and comprise: Bank One Corp. core business subsystem will be reduced result and will be back to equipment such as the ATM of initiating this transaction, POS terminal, and this transaction of notice the said equipment has disposed, and transaction results is fed back to the holder.Wherein, the described result of reducing can be success or failure, for example, be successfully the time when reducing result, and Bank One Corp. core business subsystem notifies ATM to tell paper money for the holder, is treated to when failing when reducing, and will be illustrated in the back.

S204, Bank One Corp. core business subsystem calculates the interlock amount of money according to a described card two family account class Transaction Informations, and to the professional described interlock amount of money of preposition transmission of Bank One Corp. and return messages, these return messages need to pass through second message of the professional preposition interlock secondary bank core business subsystem of secondary bank for expression.Wherein, the described interlock amount of money comprises the dealing money that this transaction is required and the summation of commission amount, perhaps to the amount of money of described summation after according to real-time exchange rate conversion.The Currency Type of this interlock amount of money is predefined according to business demand, can be first Currency Type or second Currency Type.For example, the Currency Type that preestablishes this interlock amount of money is second Currency Type, if the two family account class transaction of a described card belong to the transaction of second Currency Type, the then described interlock amount of money is the dealing money of exchange's need and the summation of commission amount, if the two family account classes transaction of a described card belong to the transaction of first Currency Type, the then described interlock amount of money is the amount of money after the summation of the dealing money of exchange's need and commission amount is converted according to the real-time exchange rate.

S205, Bank One Corp. professional preposition will described card two family account class Transaction Informations and the interlock amount of money to be sent to the secondary bank business preposition, and the notice secondary bank is professional preposition according to described card two family account class Transaction Informations and the interlock amount of money secondary bank core business subsystem that links.Wherein, the implementation of the professional preposition interlock secondary bank core business subsystem of notice secondary bank includes but not limited to adopt the mode that carries the message of relevant information by transmission to be notified, that is: it is preposition that the professional preposition message that will carry according to the information of card two family account class Transaction Informations and interlock amount of money interlock secondary bank core business subsystem of Bank One Corp. is sent to the secondary bank business, and the professional preposition information of carrying according to this message after the described message that receives of secondary bank is done respective handling.

S206, the secondary bank business is preposition to be sent to secondary bank core business subsystem with the described card two family account class Transaction Informations and the interlock amount of money, and notice secondary bank core business subsystem freezes the described interlock amount of money in the secondary bank account.Wherein, the implementation that notice secondary bank core business subsystem freezes to handle includes but not limited to adopt the mode of calling, that is: the professional preposition corresponding module that calls in the secondary bank core business subsystem of secondary bank freezes to handle.

S207, professional preposition the finishing at secondary bank core business subsystem of secondary bank will be freezed result after freezing to handle to be back to the Bank One Corp. business preposition.Wherein, the described result of freezing can be success or failure.

S208, Bank One Corp. professional preposition according to the described result notice Bank One Corp. core business subsystem that freezes according to described interlock amount of money pending accounts and finish this transaction in the Bank One Corp. account.Particularly, when the described result of freezing is successfully the time, the professional preposition notice Bank One Corp. core business subsystem of Bank One Corp. is according to described interlock amount of money pending accounts and finish this transaction in the Bank One Corp. account.When freezing result, will be illustrated in the back for failure.Wherein, the implementation that notice Bank One Corp. core business subsystem carries out the pending accounts processing includes but not limited to adopt the mode of calling, that is: the professional preposition corresponding module that calls in the Bank One Corp. core business subsystem of Bank One Corp. carries out the pending accounts processing and finishes transaction.Describedly finish transaction and comprise: Bank One Corp. core business subsystem is back to the pending accounts result equipment such as the ATM of initiating this transaction, POS terminal, and this transaction of notice the said equipment has disposed, and transaction results is fed back to the holder.Described pending accounts result can be success or failure.For example, when the pending accounts result is successfully the time, Bank One Corp. core business subsystem notice ATM is told paper money for the holder, when reducing when being treated to failure, will be illustrated in the back.

It should be noted that in present embodiment 2, if any one step failure, any one is failure in the perhaps above-mentioned result, then failure is handled in this transaction, and except the result with Fail Transaction feeds back to the holder, all processing procedures will obtain just dashing.

In addition, in the another kind of embodiment of present embodiment, after step S208, described method also comprises:

Bank One Corp. core business subsystem is asked the money file according to card two family account class Transaction Informations and the generation of the interlock amount of money, and should ask the money file to be sent to secondary bank core business subsystem by the file transfer platform; Secondary bank core business subsystem please be reduced the described interlock amount of money by the money file according to described in the secondary bank account; Wherein, the described money file of asking comprise a card two family bank card numbers, the interlock amount of money.

Need to prove, ask the generation of money file can include but not limited in the terminal hour generation of day every day.Generation by please the money file and to processing that please the money file, thereby the fund clearing of the system of realization guarantee the correctness of account account in the banking system.

In another embodiment of present embodiment, before a professional preposition card two family account class Transaction Informations that will receive of Bank One Corp. were sent to Bank One Corp. core business subsystem, described method also comprised:

The account class Transaction Information that the preposition basis of branch is accepted channel from the Bank One Corp. card judges whether this Transaction Information is a card two family account class Transaction Informations, when being judged as not, then the described account class Transaction Information of accepting channel from the Bank One Corp. card being sent to Bank One Corp. core business subsystem handles according to common account class Transaction Information, when being judged as when being, then the described account class Transaction Information of accepting channel from the Bank One Corp. card is sent to that Bank One Corp. is professional prepositionly to be handled according to a card two family account class Transaction Informations.

By the account class transaction method that realizes bank card two families of the present invention, can make the holder can trans-regionally carry out the transaction of account class, make things convenient for the holder to use.

Below in conjunction with Fig. 3 is the account class transaction method at example explanation realization of the present invention bank card two families to withdraw the money.In example shown in Figure 3, suppose that Bank One Corp. core business subsystem is interior ground Construction Bank core business system CCBS, the interior ground bank account that it comprises comprises the Renminbi current account, Hongkong dollar cash current account and Hongkong dollar cash current account, secondary bank core business subsystem is Hong Kong Construction Bank core business system ICBS, Hong Kong bank account that it comprises comprises Hongkong dollar cash current account and Hongkong dollar cash current account, the Currency Type of setting the interlock amount of money is a Hongkong dollar, and suppose on holder's ATM interiorly of one one card two family bank cards and carry out Renminbi and withdraw the money, and each step can both complete successfully.

As shown in Figure 3, in this example, the account class transaction method at bank card two families that realizes of the present invention comprises the steps:

S300, the preposition basis of branch judges that from the Transaction Information of withdrawing the money of ATM whether it be a card two families Transaction Informations of withdrawing the money, when being judged as not, execution in step S301 is when being judged as when being execution in step S302.In this example, the described Transaction Information of withdrawing the money comprises card number, BIN number (Bank Identification Number) and the amount of money of withdrawing the money of bank card, and branch is preposition can be according to judging that whether the Transaction Information of withdrawing the money is a card two families Transaction Informations of withdrawing the money for BIN number.

S301, branch is preposition to be sent to CCBS according to the common Transaction Information processing of withdrawing the money with the described Transaction Information of withdrawing the money, thus described method finishes.

S302, branch is preposition, and ground banking is preposition in will the described Transaction Information of withdrawing the money being sent to handles according to a card two families Transaction Information of withdrawing the money, and follows execution in step S303.

S303, a card two families that interior ground banking is preposition will the to receive Transaction Information of withdrawing the money is sent to CCBS, and notice CCBS carries out pre-service to these card two families Transaction Information of withdrawing the money.Wherein, the implementation of notice CCBS includes but not limited to adopt the mode of calling, that is: the corresponding module among the preposition CCBS of calling of interior ground banking carries out described pre-service.

S304, CCBS according to a described card two families withdraw the money Transaction Information judge in the remaining sum of ground bank account whether less than the summation of required the withdraw the money amount of money and commission amount of this transaction, when being judged as not, execution in step S305, when being judged as when being execution in step S307.

S305, CCBS be the preposition transmission return messages of banking upcountry, and these return messages are expression need not to link first message of ICBS.

S306, the preposition notice of interior ground banking CCBS reduce the summation of required the withdraw the money amount of money and commission amount of this transaction in the bank account interiorly, and tell paper money by ATM for the holder after reducing processing, thereby described method finishes.Wherein, the implementation of notice CCBS includes but not limited to adopt the mode of calling, that is: the corresponding module among the preposition CCBS of calling of interior ground banking is reduced processing and told paper money by ATM for the holder.

S307, CCBS calculates the interlock amount of money according to a described card two families Transaction Information of withdrawing the money, and the described interlock amount of money of the preposition transmission of banking upcountry and return messages, and these return messages need second message by the professional preposition interlock ICBS of secondary bank for expression.Wherein, the described interlock amount of money is converted to the amount of money behind the Hongkong dollar for the summation of the withdraw the money amount of money and commission amount that this transaction is required according to the exchange rate of Hongkong dollar and Renminbi.

S308, interior ground banking is preposition withdraws the money a described card two families that to be sent to Hong Kong banking preposition for Transaction Information and the interlock amount of money, and notice Hong Kong banking is preposition according to a described card two families withdraw the money Transaction Information and interlock amount of money interlock ICBS.Wherein, notice Hong Kong banking preposition implementation includes but not limited to adopt the mode that carries the message of relevant information by transmission to be notified, that is: banking preposition will carrying in interior ground withdraws the money according to a card two families that to be sent to Hong Kong banking preposition for the message of information of Transaction Information and interlock amount of money interlock ICBS, and Hong Kong banking is preposition to receive the information of carrying according to this message after the described message and do respective handling.

S309, Hong Kong banking preposition with described one the card two families withdraw the money Transaction Information and the interlock amount of money be sent to ICBS, and the notice ICBS in the bank account of Hong Kong, freeze the described interlock amount of money.Wherein, the implementation of notice ICBS includes but not limited to adopt the mode of calling, that is: the corresponding module among the preposition ICBS of calling of Hong Kong banking freezes to handle.

S310, Hong Kong banking preposition ICBS finish will freeze to handle after freezing to handle successful result be back in ground banking preposition.

S311, interior ground banking is preposition freezes to handle successful result notification CCBS according to described interlock amount of money pending accounts in the bank account interiorly according to described, and tells paper money by ATM for the holder after pending accounts are handled.Wherein, the implementation of notice CCBS includes but not limited to adopt the mode of calling, that is: the corresponding module among the preposition CCBS of calling of interior ground banking carries out the pending accounts processing.

By the described example of Fig. 3 as can be known, when card two family holders withdraw the money interiorly, preposition and interior ground kernel business of bank subsystem processes at first by interior ground banking, if Sorry, your ticket has not enough value for interior ground bank account, ground banking is preposition by the preposition interlock of Hong Kong banking Hong Kong kernel business of bank subsystem allotted fund from the bank account of Hong Kong then, thereby withdraw the money smoothly for the holder, improved service quality.

In addition, under the identical assumed conditions of example shown in Figure 3, also need to prove, when the holder carries out Hongkong dollar when withdrawing the money in the ATM in Hong Kong, if Sorry, your ticket has not enough value needs kernel business of bank subsystem allotted fund from interior ground bank account in ground in the interlock for Hong Kong bank account, its treatment scheme is identical with cardinal principle shown in Figure 3, different is, because the interlock amount of money is set at Hongkong dollar, therefore the interlock amount of money of the preposition calculating of Hong Kong banking is the summation of the withdraw the money amount of money and the commission amount of exchange's need, need not to convert according to the exchange rate.And in the step that CCBS freezes to handle, CCBS can freeze according to the priority of Hongkong dollar cash current account, Hongkong dollar cash current account, Renminbi current account in the bank account interiorly successively, when Sorry, your ticket has not enough value in the higher account of priority, then use the lower account of priority, and, before use Renminbi current account freezed, CCBS also needed the exchange rate of the described interlock amount of money according to Renminbi and Hongkong dollar converted to RMB.

More than be the description that realizes the account class transaction method at bank card two families to of the present invention, the administrative class transaction method at bank card two families that realizes of the present invention be described in detail below in conjunction with Fig. 4 and Fig. 5.

Fig. 4 is the embodiment that realizes the administrative class transaction method at bank card two families of the present invention.As shown in Figure 4, described method comprises the steps:

S400, the a professional preposition card two family administrative class Transaction Informations of accepting channel from the Bank One Corp. card that will receive of Bank One Corp. are sent to Bank One Corp. core business subsystem, and notice Bank One Corp. core business subsystem is revised Bank One Corp. card status informations according to a described card two family administrative class Transaction Informations.Wherein, described Bank One Corp. card is accepted channel and is comprised bank counter, described administrative class Transaction Information comprises to be revised the password Transaction Information, reports the loss Transaction Information and Transaction Information etc. is reported the loss in releasing, and described bank card status information comprises password, magnetic track information and reports the loss information such as state.The implementation that described notice Bank One Corp. core business subsystem is revised Bank One Corp. card status information includes but not limited to adopt the mode of calling, that is: the professional preposition corresponding module that calls Bank One Corp. core business subsystem of Bank One Corp. is revised Bank One Corp. card status information according to a described card two family administrative class Transaction Informations.

S401, professional preposition the finishing at Bank One Corp. core business subsystem of Bank One Corp. revises that will a described card two family administrative class Transaction Informations to be sent to the secondary bank business after handling preposition, and the notice secondary bank is professional prepositionly blocks the two family administrative class Transaction Informations secondary bank core business subsystems that link according to described one.Wherein, the professional preposition implementation of notice secondary bank includes but not limited to adopt the mode of calling, and it is similar with the corresponding description in step S400, therefore repeats no more here.

S402, the secondary bank business is preposition to be sent to secondary bank core business subsystem with a described card two family administrative class Transaction Informations, and notice secondary bank core business subsystem is revised secondary bank card status informations according to a described card two family administrative class Transaction Informations.Wherein, the implementation of notice secondary bank core business subsystem is similar with the corresponding description in step S400, therefore repeats no more here.

S403, secondary bank professional preposition finish to revise at secondary bank core business subsystem will revise result after handling to be back to the Bank One Corp. business preposition.Wherein said modification result can be success or failure.

S404, the professional preposition modification result that will receive of Bank One Corp. is back to the Bank One Corp. card of initiating this transaction and accepts channel to finish this transaction.

It should be noted that in the present embodiment if any one step failure, perhaps above-mentioned modification result is failure, then failure is handled in this transaction, and except the result with Fail Transaction feeds back to the holder, all processing procedures will obtain just dashing.

In addition, in the another kind of embodiment of present embodiment, before a professional preposition card two family administrative class Transaction Informations that will receive of Bank One Corp. were sent to Bank One Corp. core business subsystem, described method also comprised:

The administrative class Transaction Information that the preposition basis of branch is accepted channel from the Bank One Corp. card judges whether this Transaction Information is a card two family administrative class Transaction Informations, when being judged as not, then the described administrative class Transaction Information of accepting channel from the Bank One Corp. card being sent to Bank One Corp. core business subsystem handles according to common management class Transaction Information, when being judged as when being, then the described administrative class Transaction Information of accepting channel from the Bank One Corp. card is sent to that Bank One Corp. is professional prepositionly to be handled according to a card two family administrative class Transaction Informations.

By the administrative class transaction method that realizes bank card two families of the present invention, can make trans-regional the maintenance at any time synchronously of status information of a card two family bank cards, thereby guarantee the trans-regional correctness of carrying out bank card business dealing of holder, also be convenient to the management of bank simultaneously bank card.

Reporting the loss with bank card below in conjunction with Fig. 5 is that example illustrates the administrative class transaction method that realizes bank card two families of the present invention.In example shown in Figure 5, suppose that Bank One Corp. core business subsystem is interior ground Construction Bank core business system CCBS, secondary bank core business subsystem is Hong Kong Construction Bank core business system ICBS, and holder's bank counter interiorly of supposing one one card two family bank cards is handled bank card and is reported the loss business, and all steps all complete successfully.

As shown in Figure 5, in this example, the administrative class transaction method at bank card two families that realizes of the present invention comprises the steps:

S500, the preposition basis of branch judges that from the Transaction Information of reporting the loss of interior ground bank counter whether this Transaction Information is that Transaction Information is reported the loss at a card two families, when being judged as not, carries out S501, when being judged as when being execution S502.

S501, branch is preposition will report the loss Transaction Information and be sent to CCBS and handle according to the common Transaction Information of reporting the loss, and by bank counter result will be shown to the holder, thus described method finishes.

S502, branch is preposition will be described reports the loss Transaction Information ground banking is preposition in being sent to and report the loss Transaction Information according to a card two families and handle, and follows execution in step S503.

S503, a banking preposition card two families that will receive in interior ground are reported the loss Transaction Information and are sent to CCBS, and notice CCBS reports the loss ground bank card status information in the Transaction Information modification according to a described card two families.The implementation of ground bank card status information includes but not limited to adopt the mode of calling in the described notice CCBS modification, that is: the corresponding module of the preposition CCBS of calling of interior ground banking is reported the loss Transaction Information according to a described card two families and revised interior ground bank card status information.

S504, banking preposition finishing at CCBS in interior ground will a described card two families be reported the loss Transaction Information after revise handling to be sent to Hong Kong banking preposition, and notice Hong Kong banking is preposition blocks two families according to described one and report the loss the Transaction Information ICBS that links.Wherein, the preposition implementation of notice Hong Kong banking includes but not limited to adopt the mode of calling, and it is similar with the corresponding description in step S503, therefore repeats no more.

S505, Hong Kong banking is preposition reports the loss a described card two families Transaction Information and is sent to ICBS, and notice ICBS reports the loss Transaction Information according to a described card two families and revises Hong Kong bank card status information.Wherein, the implementation of notice ICBS also can adopt the mode of calling in this example, and it is similar with the corresponding description in step S503, therefore repeats no more.

S506, Hong Kong banking preposition ICBS finish will revise after revise handling result in being back to banking preposition.

S507, the banking preposition modification result that will receive in interior ground is back to the interior ground bank counter of this transaction of initiation and transaction results is shown to the holder, thereby finishes this transaction.

Here it is pointed out that if the holder of a card two family bank cards handles bank card at Hong Kong bank counter and report the loss business, the flow process of its processing is identical with flow process shown in Figure 5, therefore is described further no longer in addition.

More than method of the present invention is described in detail, elaborate the system at realization of the present invention bank card two families below in conjunction with Fig. 6 and Fig. 7.

The embodiment of the system 1 of the account class transaction that realizes bank card two families is at first described, as shown in Figure 6, in the present embodiment, the system 1 of the account class transaction at realization bank card two families comprises Bank One Corp. core business subsystem 10, secondary bank core business subsystem 11, Bank One Corp. professional preposition 12 and secondary bank professional preposition 13.Wherein,

Bank One Corp. professional preposition 12, be used for receiving from the Bank One Corp. card accept channel one the card two family account class Transaction Informations be sent to Bank One Corp. core business subsystem 10, and 10 a pairs of described card two family account class Transaction Informations of notice Bank One Corp. core business subsystem carry out pre-service, wherein, described Bank One Corp. card is accepted channel and is comprised ATM, POS terminal etc.The implementation of described notice Bank One Corp. core business subsystem 10 includes but not limited to adopt the mode of calling, that is: professional preposition 12 pretreatment module of calling in the Bank One Corp. core business subsystem 10 100 of Bank One Corp. are carried out described pre-service, and this pretreatment module 100 will be described in the back.

Bank One Corp. core business subsystem 10, be used for a described card two family account class Transaction Informations are carried out pre-service, and send return messages to Bank One Corp. professional preposition 12 according to pretreated result, wherein, described return messages comprise that expression need not to link first message of secondary bank core business subsystem 11 and expression needs by link second message of secondary bank core business subsystems 11 of secondary bank professional preposition 13.

Bank One Corp. professional preposition 12 also is used for according to described return messages a described card two family account class Transaction Informations being handled.

Next, will to above-mentioned each subsystem and banking is preposition be described in detail one by one:

(1) Bank One Corp. core business subsystem 10 comprises pretreatment module 100, local account class transaction processing module 101 and asks money file generating module 102.Wherein,

Pretreatment module 100 comprises (not shown):

Whether judging unit is used for according to the remaining sum of judging the Bank One Corp. account from a card two family account class Transaction Informations of professional preposition 12 first sending modules 121 of Bank One Corp. less than the required dealing money of this transaction and the summation of commission amount.

Computing unit, be used for when described judgment unit judges when being, calculate the interlock amount of money according to a described card two family account class Transaction Informations, this interlock amount of money comprises the dealing money that this transaction is required and the summation of commission amount, the amount of money after perhaps described summation being converted according to the real-time exchange rate.Wherein, above-mentioned Bank One Corp. core business subsystem and secondary bank core business subsystem are respectively Bank One Corp. account and the affiliated systems of secondary bank account that a card two family bank cards have, described Bank One Corp. account comprises at least a account in the current account of the cash current account of cash current account, first Currency Type of first Currency Type and second Currency Type, and described secondary bank account comprises at least a account in the current account of the cash current account of cash current account, first Currency Type of first Currency Type and second Currency Type.The Currency Type of the described interlock amount of money is predefined according to business demand, can be first Currency Type or second Currency Type.For example, the Currency Type that preestablishes this interlock amount of money is second Currency Type, if the two family account class transaction of a described card belong to the transaction of second Currency Type, the then described interlock amount of money is the dealing money of exchange's need and the summation of commission amount, if the two family account classes transaction of a described card belong to the transaction of first Currency Type, the then described interlock amount of money is the amount of money after the summation of the dealing money of exchange's need and commission amount is converted according to the real-time exchange rate.

Transmitting element, be used for when described judgment unit judges for not the time, second receiver module 122 in Bank One Corp. professional preposition 12 sends described first message, perhaps, be used for when described judgment unit judges when being, second receiver module 122 in Bank One Corp. professional preposition 12 sends the interlock amount of money and described second message that described computing unit calculates.

Local account class transaction processing module 101 is used to be achieved as follows function:

In receiving Bank One Corp. professional preposition 12 during the notice of first processing module 124, in the Bank One Corp. account, reduce the summation of dealing money that a card two family account class exchanges need and commission amount and finish this transaction.Wherein, first processing module 124 will be described in the back; With

Be used for when receiving the notice of professional preposition 12 the 3rd processing modules 126 of Bank One Corp., according to interlock amount of money pending accounts and finish this transaction in the Bank One Corp. account.Described the 3rd processing module 126 will be described in the back.

Wherein, above-mentioned " finishing this transaction " comprising: local account class transaction processing module 101 will be reduced result or pending accounts result and will be back to equipment such as the ATM of initiating this transaction, POS terminal, this transaction of notice the said equipment disposes, and transaction results is fed back to the holder.

Please money file generating module 102, be used for after local account class transaction processing module 101 is finished the pending accounts processing, generating according to card two family account class Transaction Informations and the interlock amount of money please the money file, and will be described please the money file be sent to by the file transfer platform and asks money document processing module 113 in the secondary bank core business subsystem 11.Please will be described in the back by money document processing module 113.Wherein, the described money file of asking comprise the card two family bank card numbers and the interlock amount of money.Need to prove, please money file generating module 102 can include but not limited to that the terminal hour generation please the money file in day every day.

(2) Bank One Corp. professional preposition 12 comprises first receiver module 120, first sending module 121, second receiver module 122, identification module 123, first processing module 124, second processing module 125 and the 3rd processing module 126.Wherein,

First receiver module 120 is used to receive a card two family account class Transaction Informations of accepting channel from the Bank One Corp. card, and wherein, described Bank One Corp. card is accepted channel and comprised ATM or POS terminal etc.

First sending module 121, the a card two family account class Transaction Informations that are used for that first receiver module 120 is received are sent to the pretreatment module 100 of Bank One Corp. core business subsystem 10, and 100 a pairs of described card two family account class Transaction Informations of notice pretreatment module carry out pre-service.Wherein, notice pretreatment module 100 is carried out pretreated implementation and is included but not limited to adopt the mode of calling, that is: first sending module 121 calls pretreatment module 100 and carries out pre-service.And in the description of this paper to the system at realization bank card two families, the implementation of all " notices " all can include but not limited to adopt the mode of calling to realize, has not therefore just given unnecessary details one by one below.

Second receiver module 122 is used for receiving the return messages and the interlock amount of money that the transmitting element of pretreatment module 100 sends.

Identification module 123, being used to discern the return messages that second receiver module 122 receives is that first message still is second message.

First processing module 124, be used for when identification module 123 identifies described return messages and is first message, the local account class transaction processing module 101 in the notice Bank One Corp. core business subsystem 10 is reduced the summation of required dealing money of this transaction and commission amount and is finished this transaction in the Bank One Corp. account.

Second processing module 125, be used for when identification module 123 identifies described return messages and is second message, it is professional preposition 13 that described card two family account class Transaction Informations and the interlock amount of money are sent to secondary bank, and the fund interlock module 131 in the notice secondary bank professional preposition 13 is according to described card two family account class Transaction Informations and interlock amount of money interlock secondary bank core business subsystem 11.Wherein, fund interlock module 131 will be described in the back.

The 3rd processing module 126 is used for according to freezing local account class transaction processing module 101 in the result notice Bank One Corp. core business subsystem 10 according to interlock amount of money pending accounts and finish this transaction in the Bank One Corp. account from professional preposition 13 second sending modules 133 of secondary bank.Wherein, second sending module 133 will be described in the back.

(3) secondary bank professional preposition 13 comprises the 3rd receiver module 130, fund interlock module 131, the 4th receiver module 132 and second sending module 133.Wherein,

The 3rd receiver module 130 is used to receive the card two family account class Transaction Informations and the interlock amount of money that second processing module 125 sends.

Fund interlock module 131, be used for the fund interlock processing module 111 that the card two family account class Transaction Informations that the 3rd receiver module 130 is received and the amount of money that links are sent to secondary bank core business subsystem 11, and notice fund interlock processing module 111 is freezed the described interlock amount of money in the secondary bank account.Wherein, fund interlock processing module 111 will be described in the back.

The 4th receiver module 132 is used for receiving the result of freezing from secondary bank core business subsystem 11 the 3rd sending module 112.Wherein, the 3rd sending module 112 will be described in the back.

Second sending module 133 is used for freezing the 3rd processing module 126 that result is sent to Bank One Corp. professional preposition 12 with what the 4th receiver module 132 received.

(4) secondary bank core business subsystem 11 comprises the 5th receiver module 110, fund interlock processing module 111, the 3rd sending module 112 and asks money document processing module 113.Wherein,

The 5th receiver module 110 is used for the card two family account class Transaction Informations and the interlock amount of money that reception fund interlock module 131 sends.

Fund interlock processing module 111 is used for freezing the described interlock amount of money in the secondary bank account when receiving the notice of fund interlock module 131.

The 3rd sending module 112 is used for link the 4th receiver module 132 that result is sent to secondary bank professional preposition 13 that freezes of processing module 111 of fund.

Please money document processing module 113, be used for please in the secondary bank account, reducing the interlock amount of money by the money file according to what Bank One Corp. core business subsystem 10 please money file generating module 102 sends.

In addition, in the present embodiment, the system 1 that realizes the account class transaction at bank card two families also can comprise the preposition (not shown) of branch, be used for judging according to the Transaction Information of accepting channel from the Bank One Corp. card whether this Transaction Information is a card two family account class Transaction Informations, when being judged as not, then described Transaction Information being sent to Bank One Corp. core business subsystem 10 handles according to common account class Transaction Information, when being judged as when being, then described Transaction Information being sent to Bank One Corp. professional preposition 12 and handling according to a card two family account class Transaction Informations.Here, the process that Bank One Corp. core business subsystem 10 is handled according to common account class Transaction Information is well-known to those skilled in the art, has just no longer been described here.Preposition by branch, realized differentiation to card two family bank cards and a non-card two family bank cards, simplified the flow process of transaction processing.

It more than is detailed description to the system 1 of the account class transaction that realizes bank card two families, as seen, the system 1 of the account class transaction by realizing bank card two families, can make the holder hold a trans-regional use of bank card easily, in addition, can also under a bank account situation that Sorry, your ticket has not enough value, from another bank account allotted fund, improve service quality automatically.

It should be noted that, present embodiment is from being described as lower angle: Bank One Corp. core business subsystem 10 is is at first accepted the holder and is accepted a card two family account class Transaction Informations that channel initiates at the Bank One Corp. card reduce the required full amount of this transaction from the Bank One Corp. account, and when the Bank One Corp. account balance is not enough, link secondary bank core business subsystems 11 from secondary bank account allotted fund by secondary bank professional preposition 13 by Bank One Corp. professional preposition 12.It will be appreciated by those skilled in the art that, here " Bank One Corp. " and " secondary bank " refer to respectively the holder initiate exchange the local bank and when strange land bank that local bank account is linked when Sorry, your ticket has not enough value, for example, " Bank One Corp. " can be CCBS or ICBS, " secondary bank " can be ICBS or CCBS so, and be not to be to refer in particular to some fixing banks, core business subsystem or professional preposition, therefore, all kernel business of bank subsystems of at first accepting a card two family account class transaction all are called Bank One Corp. core business subsystem, it is correspondingly professional, and preposition to be called the Bank One Corp. business preposition, and the kernel business of bank subsystem that all are linked all is called secondary bank core business subsystem, and it is correspondingly professional, and preposition to be called the secondary bank business preposition.

Next the embodiment of the system 2 of the administrative class transaction that realizes bank card two families is described.As shown in Figure 7, the system 2 that realizes the administrative class transaction at bank card two families comprises professional preposition 12, the secondary bank professional preposition 13 of Bank One Corp. core business subsystem 10, secondary bank core business subsystem 11, Bank One Corp..

Wherein, described Bank One Corp. professional preposition 12 is used to be achieved as follows function:

With receive from the Bank One Corp. card accept channel one the card two family administrative class Transaction Informations be sent to Bank One Corp. core business subsystem 10, and notice Bank One Corp. core business subsystem 10 is revised Bank One Corp. card status information according to a described card two family administrative class Transaction Informations, described Bank One Corp. card is accepted channel and is comprised bank counter, and described administrative class Transaction Information comprises: revise the password Transaction Information, report the loss Transaction Information and Transaction Information is reported the loss in releasing; With

After Bank One Corp. core business subsystem 10 is finished described modification processing, it is professional preposition 13 that a described card two family administrative class Transaction Informations are sent to secondary bank, and notice secondary bank professional preposition 13 is according to a described card two family administrative class Transaction Informations interlock secondary bank core business subsystems 11.

Described secondary bank is professional preposition 13, is used to receive a described card two family administrative class Transaction Informations, and according to a described card two family administrative class Transaction Informations interlock secondary bank core business subsystems 11.

Next, will to above-mentioned each subsystem and banking is preposition be described in detail one by one:

(1) Bank One Corp. professional preposition 12 comprises that first receiver module 1200, first processing module 1210, second processing module 1220 and transaction results return module 1230.Wherein,

First receiver module 1200 is used to receive a card two family administrative class Transaction Informations of accepting channel from the Bank One Corp. card.

First processing module 1210, the a card two family administrative class Transaction Informations that are used for first receiver module 1200 is received are sent to Bank One Corp. core business subsystem 10, and the first administrative class transaction processing module 1010 in the notice Bank One Corp. core business subsystem 10 is revised Bank One Corp. card status information according to a described card two family administrative class Transaction Informations.Wherein, Bank One Corp. core business subsystem 10 will be described below.

Second processing module 1220, be used for after the first administrative class transaction processing module 1010 is finished described modification processing, it is professional preposition 13 that a described card two family administrative class Transaction Informations are sent to secondary bank, and the interlock module 1310 in the notice secondary bank professional preposition 13 is according to a described card two family administrative class Transaction Informations interlock secondary bank core business subsystems 11.Wherein, secondary bank professional preposition 13 and secondary bank core business subsystem 11 will be described below.

Transaction results is returned module 1230, is used for that the modification result from first sending module 1320 of secondary bank professional preposition 13 is back to the Bank One Corp. card of initiating this transaction and accepts channel to finish this transaction.Describedly finish this transaction and be meant by bank counter the result of this transaction is fed back to the holder.

(2) Bank One Corp. core business subsystem 10 comprises second receiver module 1000 and the first administrative class transaction processing module 1010.Wherein,

Second receiver module 1000 is used to receive a card two family administrative class Transaction Informations from first processing module 1200.

The first administrative class transaction processing module 1010 is used for when receiving the notice of first processing module 1200, revises Bank One Corp. card status information according to a described card two family administrative class Transaction Informations.

(3) secondary bank professional preposition 13 comprises the 3rd receiver module 1300, interlock module 1310 and first sending module 1320.Wherein,

The 3rd receiver module 1300 is used to receive a card two family administrative class Transaction Informations from second processing module 1220.

Interlock module 1310, be used for when receiving the notice of second processing module 1220, a described card two family administrative class Transaction Informations are sent to secondary bank core business subsystem 11, and the second administrative class transaction processing module 1110 in the notice secondary bank core business subsystem 11 is revised secondary bank card status information according to a described card two family administrative class Transaction Informations.

First sending module 1320 is used for the modification result from secondary bank core business subsystem 11 is sent to Bank One Corp. professional preposition 12.

(4) secondary bank core business subsystem 11 comprises the 4th receiver module 1100, the second administrative class transaction processing module 1110 and second sending module 1120.Wherein,

The 4th receiver module 1100 is used to receive a card two family administrative class Transaction Informations from interlock module 1310.

The second administrative class transaction processing module 1110 is used for when receiving the notice of interlock module 1310, revises secondary bank card status information according to a described card two family administrative class Transaction Informations.

Second sending module 1120 is used for after the second administrative class transaction processing module 1110 is finished the modification processing, will revise result and be sent to secondary bank professional preposition 13.

In addition, in the present embodiment, the system 2 that realizes the administrative class transaction at bank card two families also can comprise the preposition (not shown) of branch, be used for judging according to the Transaction Information of accepting channel from the Bank One Corp. card whether this Transaction Information is a card two family administrative class Transaction Informations, when being judged as not, then described Transaction Information being sent to Bank One Corp. core business subsystem 10 handles according to common management class Transaction Information, when being judged as when being, then described Transaction Information being sent to Bank One Corp. professional preposition 12 and handling according to a card two family administrative class Transaction Informations.Here, the process that Bank One Corp. core business subsystem 10 is handled according to common management class Transaction Information is well-known to those skilled in the art, has just no longer been described here.Preposition by branch, realized differentiation to card two family bank cards and a non-card two family bank cards, simplified the flow process of transaction processing.

It more than is detailed description to the system 2 of the administrative class transaction that realizes bank card two families, as seen, the system 2 of the administrative class transaction by realizing bank card two families, can make trans-regional the maintenance at any time synchronously of status information of a card two family bank cards, the bank in two areas can be respectively manages the status information of a card two family bank cards and medium information etc. according to original data structure separately, thereby is convenient to the trans-regional management of card two family bank cards.

It should be noted that, present embodiment is from being described as lower angle: Bank One Corp. core business subsystem 10 is is at first accepted the holder and is accepted a card two family administrative class Transaction Informations modification Bank One Corp. card status informations that channel is initiated in Bank One Corp., and interlock secondary bank core business subsystem 11 is revised secondary bank card status informations, promptly to status informations of this card two family bank cards realize trans-regional synchronously.It will be appreciated by those skilled in the art that, here " Bank One Corp. " and " secondary bank " refer to respectively the holder initiate exchange this locality bank and need the strange land bank of a synchronous card two family bank card status informations, for example, " Bank One Corp. " can be CCBS or ICBS, " secondary bank " can be ICBS or CCBS so, and be not to be to refer in particular to some fixing banks, therefore, all kernel business of bank subsystems of at first accepting a card two family administrative class transaction all are called Bank One Corp. core business subsystem, it is correspondingly professional, and preposition to be called the Bank One Corp. business preposition, and the kernel business of bank subsystem that all are linked all is called secondary bank core business subsystem, and it is correspondingly professional, and preposition to be called the secondary bank business preposition.

Need to prove at last, though the present invention provides two embodiment of system of the systems and management class transaction of the account class transaction that realizes bank card two families respectively, but, in a further embodiment, same system can realize the account class and the administrative class transaction at bank's card two families simultaneously.In this system, equally also comprise Bank One Corp. core business subsystem as described above, the Bank One Corp. business is preposition, secondary bank core business subsystem and secondary bank business are preposition, they not only have corresponding module and the function thereof described in the embodiment of the system of the account class transaction that realizes bank card two families in conjunction with Fig. 6 respectively, also have simultaneously corresponding module and the function thereof described in the embodiment of the system of the administrative class transaction at realization of the present invention bank card two families respectively, no longer this embodiment is described in detail here in conjunction with Fig. 7.

In sum, a kind of method and system at bank's card two families of realizing of the present invention has two trans-regional bank accounts by the Bank One Corp. business is preposition simultaneously with one one card of the professional preposition realization of secondary bank, two family bank cards, these two bank accounts belong to Bank One Corp. core business subsystem and secondary bank core business subsystem respectively, and realized the interlock of Bank One Corp. core business subsystem and secondary bank core business subsystem, thereby satisfy the holder and when this locality, use local account, when the strange land, use the strange land account, and when local bank account when Sorry, your ticket has not enough value, strange land kernel business of bank subsystem allotted fund from the bank account of strange land can link, in time, improved the quality of bank service for the holder withdraws the money.In addition, status information by an all right trans-regional synchronous card two family bank cards of the interlock of Bank One Corp. core business subsystem and secondary bank core business subsystem, and the bank in two areas can be respectively manages the status information of a card two family bank cards and medium information etc. according to original data structure separately, thereby makes things convenient for the management of bank card.In a word, satisfied the trans-regional demand of carrying out bank card business dealing of holder by realizing method and system of the present invention, for the holder provides the trans-regional channel of treasury trade more efficiently.

By the description to above embodiment, those skilled in the art can be well understood to the present invention and can realize by the mode of software combined with hardware platform, can certainly all implement by hardware.Based on such understanding, all or part of can the embodying that technical scheme of the present invention contributes to background technology with the form of software product, this computer software product can be stored in the storage medium, as ROM/RAM, magnetic disc, CD etc., comprise that some instructions are with so that a computer equipment (can be a personal computer, server, the perhaps network equipment etc.) carry out the described method of some part of each embodiment of the present invention or embodiment.

More than disclosed only be the specific embodiment of the present invention; only be used for the present invention is illustrated; can not limit the present invention's protection domain with this; those skilled in the art can carry out various modifications, variation or replacement under the prerequisite that does not break away from essence of the present invention; therefore; according to the various equivalent variations that the present invention did, still belong to the scope that the present invention is contained.

Claims (26)

1. account class transaction method that realizes bank's card two families is characterized in that described method comprises:

The a professional preposition card two family account class Transaction Informations of accepting channel from the Bank One Corp. card that will receive of Bank One Corp. are sent to Bank One Corp. core business subsystem, and notice Bank One Corp. core business subsystem carries out pre-service to a described card two family account class Transaction Informations;

Bank One Corp. core business subsystem carries out pre-service to a described card two family account class Transaction Informations, and according to pretreated result to the professional preposition transmission return messages of Bank One Corp., wherein, described return messages comprise expression first message of secondary bank core business subsystem and expression needs second message by the preposition interlock secondary bank core business subsystem of secondary bank business that need not to link;

The Bank One Corp. business is preposition to be handled a described card two family account class Transaction Informations according to described return messages.

2. method according to claim 1 is characterized in that, described Bank One Corp. core business subsystem carries out pre-service to a card two family account class Transaction Informations and comprises to the step of the professional preposition transmission return messages of Bank One Corp. according to pretreated result:

Whether the remaining sum that Bank One Corp. core business subsystem is judged the Bank One Corp. account according to a described card two family account class Transaction Informations less than the required dealing money of this transaction and the summation of commission amount,

When being judged as not, to described first message of the professional preposition transmission of Bank One Corp.,

When being judged as when being, calculate the interlock amount of money according to a described card two family account class Transaction Informations, and to the professional described interlock amount of money of preposition transmission of Bank One Corp. and described second message;

Wherein, the described interlock amount of money comprises the dealing money that this transaction is required and the summation of commission amount, perhaps to the amount of money of described summation after according to real-time exchange rate conversion.

3. method according to claim 2 is characterized in that, the professional preposition step of one card, two family account class Transaction Informations being handled according to return messages of described Bank One Corp. comprises:

When described return messages were described first message, then the professional preposition notice Bank One Corp. core business subsystem of Bank One Corp. was reduced the summation of required dealing money of this transaction and commission amount and is finished this transaction in the Bank One Corp. account,

When described return messages are described second message, then Bank One Corp. professional preposition will described card two family account class Transaction Informations and the interlock amount of money to be sent to the secondary bank business preposition, and the notice secondary bank is professional preposition according to described card two family account class Transaction Informations and the interlock amount of money secondary bank core business subsystem that links.

4. method according to claim 3 is characterized in that, the professional preposition step according to described card two family account class Transaction Informations and interlock amount of money interlock secondary bank core business subsystem of described secondary bank comprises:

The secondary bank business is preposition to be sent to secondary bank core business subsystem with the described card two family account class Transaction Informations and the interlock amount of money, and notice secondary bank core business subsystem freezes the described interlock amount of money in the secondary bank account;

Professional preposition the finishing at secondary bank core business subsystem of secondary bank will be freezed result after freezing to handle to be back to the Bank One Corp. business preposition;

Bank One Corp. professional preposition according to the described result notice Bank One Corp. core business subsystem that freezes according to described interlock amount of money pending accounts and finish this transaction in the Bank One Corp. account.

5. method according to claim 4 is characterized in that, Bank One Corp. core business subsystem according to the described interlock amount of money in the Bank One Corp. account pending accounts and finish this transaction after, described method also comprises:

Bank One Corp. core business subsystem is asked the money file according to described card two family account class Transaction Informations and the generation of the interlock amount of money, and please be sent to secondary bank core business subsystem by the money file by the file transfer platform with described;

Secondary bank core business subsystem please be reduced the described interlock amount of money by the money file according to described in the secondary bank account;

Wherein, the described money file of asking comprise a card two family bank card numbers, the interlock amount of money.

6. method according to claim 1 is characterized in that, before a professional preposition card two family account class Transaction Informations that will receive of described Bank One Corp. were sent to Bank One Corp. core business subsystem, described method also comprised:

The account class Transaction Information that the preposition basis of branch is accepted channel from the Bank One Corp. card judges whether this Transaction Information is a card two family account class Transaction Informations,

When not being judged as not, then the described account class Transaction Information of accepting channel from the Bank One Corp. card is sent to Bank One Corp. core business subsystem and handles according to common account class Transaction Information,

When being judged as when being, then the described account class Transaction Information of accepting channel from the Bank One Corp. card is sent to that Bank One Corp. is professional prepositionly to be handled according to a card two family account class Transaction Informations.

7. administrative class transaction method that realizes bank's card two families is characterized in that described method comprises:

The a professional preposition card two family administrative class Transaction Informations of accepting channel from the Bank One Corp. card that will receive of Bank One Corp. are sent to Bank One Corp. core business subsystem, and notice Bank One Corp. core business subsystem is revised Bank One Corp. card status informations according to a described card two family administrative class Transaction Informations;

Professional preposition the finishing at Bank One Corp. core business subsystem of Bank One Corp. revises that will a described card two family administrative class Transaction Informations to be sent to the secondary bank business after handling preposition, and the notice secondary bank is professional prepositionly blocks the two family administrative class Transaction Informations secondary bank core business subsystems that link according to described one.

8. method according to claim 7 is characterized in that, the professional preposition step according to a card two family administrative class Transaction Information interlock secondary bank core business subsystems of described secondary bank comprises:

The secondary bank business is preposition to be sent to secondary bank core business subsystem with a described card two family administrative class Transaction Informations, and notice secondary bank core business subsystem is revised secondary bank card status informations according to a described card two family administrative class Transaction Informations;

Secondary bank professional preposition finish to revise at secondary bank core business subsystem will revise result after handling to be back to the Bank One Corp. business preposition;

The professional preposition modification result that will receive of Bank One Corp. is back to the Bank One Corp. card of initiating this transaction and accepts channel to finish this transaction.

9. method according to claim 7 is characterized in that, before a professional preposition card two family administrative class Transaction Informations that will receive of described Bank One Corp. were sent to Bank One Corp. core business subsystem, described method also comprised:

The administrative class Transaction Information that the preposition basis of branch is accepted channel from the Bank One Corp. card judges whether this Transaction Information is a card two family administrative class Transaction Informations,

When not being judged as not, the administrative class Transaction Information of then will be described accepting channel from the Bank One Corp. card is sent to Bank One Corp. core business subsystem according to the processing of common management class Transaction Information,

When being judged as when being, then the described administrative class Transaction Information of accepting channel from the Bank One Corp. card is sent to that Bank One Corp. is professional prepositionly to be handled according to a card two family administrative class Transaction Informations.

10. the system of an account class transaction that realizes bank's card two families, described system comprises Bank One Corp. core business subsystem and secondary bank core business subsystem, it is characterized in that described system also comprises:

The Bank One Corp. business is preposition, be used for receiving from the Bank One Corp. card accept channel one the card two family account class Transaction Informations be sent to Bank One Corp. core business subsystem, and notify described Bank One Corp. core business subsystem to described one the card two family account class Transaction Informations carry out pre-service;

Described Bank One Corp. core business subsystem, be used for a described card two family account class Transaction Informations are carried out pre-service, and according to pretreated result to the professional preposition transmission return messages of Bank One Corp., wherein, described return messages comprise expression first message of secondary bank core business subsystem and expression needs second message by the preposition interlock secondary bank core business subsystem of secondary bank business that need not to link;

Described Bank One Corp. professional preposition also being used for handles a described card two family account class Transaction Informations according to described return messages.

11. system according to claim 10 is characterized in that, described Bank One Corp. core business subsystem comprises pretreatment module, and this pretreatment module comprises:

Whether judging unit is used for according to the remaining sum of judging the Bank One Corp. account from a professional preposition card two family account class Transaction Informations of described Bank One Corp. less than the required dealing money of this transaction and the summation of commission amount;

Computing unit, be used for when described judgment unit judges when being, calculate the interlock amount of money according to a described card two family account class Transaction Informations, the described interlock amount of money comprises the dealing money and the summation of commission amount that this transaction is required, the amount of money after perhaps described summation being converted according to the real-time exchange rate;

Transmitting element, be used for when described judgment unit judges for not the time, to described first message of the professional preposition transmission of Bank One Corp., perhaps, be used for when described judgment unit judges when being, the interlock amount of money and described second message that calculate to the described computing unit of the professional preposition transmission of Bank One Corp..

12. system according to claim 11 is characterized in that, described Bank One Corp. professional preposition comprising:

First receiver module is used to receive a card two family account class Transaction Informations of accepting channel from the Bank One Corp. card;

First sending module, the a card two family account class Transaction Informations that are used for described first receiver module is received are sent to Bank One Corp. core business subsystem, and notice Bank One Corp. core business subsystem carries out pre-service to a described card two family account class Transaction Informations;

Second receiver module is used to receive the return messages and the interlock amount of money that described Bank One Corp. core business subsystem sends;

Identification module, being used to discern described return messages is that first message still is second message;

First processing module, be used for when described identification module identifies described return messages and is first message, notice Bank One Corp. core business subsystem is reduced the summation of required dealing money of this transaction and commission amount and is finished this transaction in the Bank One Corp. account;

Second processing module, be used for when described identification module identifies described return messages and is second message, it is preposition that described card two family account class Transaction Informations and the interlock amount of money are sent to the secondary bank business, and the notice secondary bank is professional preposition according to described card two family account class Transaction Informations and interlock amount of money interlock secondary bank core business subsystem.

13. system according to claim 12 is characterized in that, described Bank One Corp. core business subsystem also comprises:

Local account class transaction processing module is used for when receive the notice of described first processing module, reduces the summation of the dealing money of a described card two family account class exchanges need and commission amount and finish this transaction in the Bank One Corp. account.

14. system according to claim 12 is characterized in that, described secondary bank professional preposition comprising:

The 3rd receiver module is used to receive the card two family account class Transaction Informations and the interlock amount of money that described second processing module sends;

Fund interlock module, the card two family account class Transaction Informations and the interlock amount of money that are used for described the 3rd receiver module is received are sent to secondary bank core business subsystem, and notice secondary bank core business subsystem freezes the described interlock amount of money in the secondary bank account;

The 4th receiver module is used to receive the result of freezing from secondary bank core business subsystem;

Second sending module, being used for the result of freezing that the 4th receiver module is received, to be sent to the Bank One Corp. business preposition.

15. system according to claim 14 is characterized in that, described secondary bank core business subsystem comprises:

The 5th receiver module is used to receive the card two family account class Transaction Informations and the interlock amount of money that described fund interlock module sends;

Fund interlock processing module is used for freezing the described interlock amount of money in the secondary bank account when receiving the notice of described fund interlock module;

The 3rd sending module, being used for the result of freezing with described fund interlock processing module, to be sent to the secondary bank business preposition.

16. system according to claim 15 is characterized in that, described Bank One Corp. business is preposition also to be comprised:

The 3rd processing module, be used for according to from described second sending module freeze result notice Bank One Corp. core business subsystem according to the described interlock amount of money at Bank One Corp. account pending accounts and finish this transaction.

17. system according to claim 16 is characterized in that, described local account class transaction processing module also is used for when receiving the notice of described the 3rd processing module, according to described interlock amount of money pending accounts and finish this transaction in the Bank One Corp. account.

18. system according to claim 17 is characterized in that,

Described Bank One Corp. core business subsystem also comprises asks the money file generating module, be used for after described local account class transaction processing module is finished the pending accounts processing, ask the money file according to described card two family account class Transaction Informations and the generation of the interlock amount of money, and please be sent to secondary bank core business subsystem by the money file with described by the file transfer platform;

Described secondary bank core business subsystem also comprises asks the money document processing module, is used for please reducing the described interlock amount of money in the secondary bank account by the money file according to described.

19. system according to claim 10 is characterized in that, described system also comprises:

Branch is preposition, be used for judging according to the Transaction Information of accepting channel from the Bank One Corp. card whether this Transaction Information is a card two family account class Transaction Informations, when being judged as not, then described Transaction Information being sent to Bank One Corp. core business subsystem handles according to common account class Transaction Information, when being judged as when being, then described Transaction Information is sent to that Bank One Corp. is professional prepositionly to be handled according to a card two family account class Transaction Informations.

20. a system that realizes the administrative class transaction at bank's card two families, described system comprises Bank One Corp. core business subsystem and secondary bank core business subsystem, it is characterized in that described system also comprises:

The Bank One Corp. business is preposition, is used to be achieved as follows function:

The a card two family administrative class Transaction Informations of accepting channel from the Bank One Corp. card that receive are sent to described Bank One Corp. core business subsystem, and notify described Bank One Corp. core business subsystem to revise Bank One Corp. card status informations according to a described card two family administrative class Transaction Informations;

After described Bank One Corp. core business subsystem is finished described modification processing, it is preposition that a described card two family administrative class Transaction Informations are sent to the secondary bank business, and the notice secondary bank is professional preposition according to a described card two family administrative class Transaction Informations interlock secondary bank core business subsystems;

Described secondary bank business is preposition, is used to receive a described card two family administrative class Transaction Informations, and according to a described card two family administrative class Transaction Information interlock secondary bank core business subsystems.

21. system according to claim 20 is characterized in that, described Bank One Corp. professional preposition comprising:

First receiver module is used to receive a card two family administrative class Transaction Informations of accepting channel from the Bank One Corp. card;

First processing module, the a card two family administrative class Transaction Informations that are used for described first receiver module is received are sent to Bank One Corp. core business subsystem, and notice Bank One Corp. core business subsystem is revised Bank One Corp. card status information according to a described card two family administrative class Transaction Informations;

Second processing module, be used for after Bank One Corp. core business subsystem is finished described modification processing, it is preposition that a described card two family administrative class Transaction Informations are sent to the secondary bank business, and the notice secondary bank is professional preposition according to a described card two family administrative class Transaction Informations interlock secondary bank core business subsystems.

22. system according to claim 21 is characterized in that, described Bank One Corp. core business subsystem comprises:

Second receiver module is used to receive a card two family administrative class Transaction Informations from described first processing module;

The first administrative class transaction processing module is used for when receiving the notice of described first processing module, revises Bank One Corp. card status information according to a described card two family administrative class Transaction Informations.

23. system according to claim 21 is characterized in that, described secondary bank professional preposition comprising:

The 3rd receiver module is used to receive a card two family administrative class Transaction Informations from described second processing module;

The interlock module, be used for when receiving the notice of described second processing module, a described card two family administrative class Transaction Informations are sent to secondary bank core business subsystem, and notice secondary bank core business subsystem is revised secondary bank card status information according to a described card two family administrative class Transaction Informations;

First sending module, it is preposition to be used for that the modification result from secondary bank core business subsystem is sent to the Bank One Corp. business.

24. system according to claim 23 is characterized in that, described secondary bank core business subsystem comprises;

The 4th receiver module is used to receive a card two family administrative class Transaction Informations from described interlock module;

The second administrative class transaction processing module is used for when receiving the notice of described interlock module, revises secondary bank card status information according to a described card two family administrative class Transaction Informations;

Second sending module, be used for the described second administrative class transaction processing module finish revise to handle after, will revising result, to be sent to the secondary bank business preposition.

25. system according to claim 24 is characterized in that, described Bank One Corp. business is preposition also to be comprised:

Transaction results is returned module, is used for that the modification result from described first sending module is back to the Bank One Corp. card of initiating this transaction and accepts channel to finish this transaction.

26. system according to claim 20 is characterized in that, described system also comprises:

Branch is preposition, be used for judging according to the Transaction Information of accepting channel from the Bank One Corp. card whether this Transaction Information is a card two family administrative class Transaction Informations, when being judged as not, then described Transaction Information being sent to Bank One Corp. core business subsystem handles according to common management class Transaction Information, when being judged as when being, then described Transaction Information is sent to that Bank One Corp. is professional prepositionly to be handled according to a card two family administrative class Transaction Informations.

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