CN102117453A - Method and system for accepting various payment cards and performing transaction transfer treatment - Google Patents
Method and system for accepting various payment cards and performing transaction transfer treatment Download PDFInfo
- Publication number
- CN102117453A CN102117453A CN2009102477584A CN200910247758A CN102117453A CN 102117453 A CN102117453 A CN 102117453A CN 2009102477584 A CN2009102477584 A CN 2009102477584A CN 200910247758 A CN200910247758 A CN 200910247758A CN 102117453 A CN102117453 A CN 102117453A
- Authority
- CN
- China
- Prior art keywords
- card
- transaction
- trading
- bank
- trading card
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a method and system for accepting various payment cards and performing transaction transfer treatment. The method and system for transaction transfer treatment can accept the cards of various industries by using the conventional bank card payment information. The system comprises a financial terminal, an exchange system, a clearing system, an industry mechanism access preposition device, wherein the financial terminal accepts the bank cards or the industry cards and can convert the numbers of the industry cards into the numbers of the bank cards; the exchange system accepts the transaction requests from the financial terminal, and performs transfer treatment on the transaction requests of the related industry cards or the transaction requests of the related bank cards; and the industry mechanism access preposition device is arranged between an industry card issuing mechanism and the exchange system, and converts the transaction information containing transaction routing card numbers into the industry card information capable of being processed by the industry card issuing mechanism. By using the method and the system, the resources of the bank card payment exchange system can be fully utilized, and the investment of fund is reduced.
Description
Technical field
The present invention relates to the method and system that a kind of switching in data is handled, relate to particularly and utilize bank card paying system to realize that financial terminal accepts all kinds of Payment Cards and carry out transaction method and system in the financial sector.
Background technology
In recent years, along with the continuous lifting of the market demand, trading card payment (for example public transport stored value card, various consumption cards or the like) has become the important means of payment and the modes of payments of industry payment technical field.And the distribution of trading card and use have following characteristics: (1) card standard variation: for example, the card media of trading card comprises magnetic stripe card, IC-card, bar code card etc., and same card media also is not quite similar to the technical standard of card, therefore, the trading card standard of different regions distribution lacks unitarity in every profession and trade, the industry; (2) use sealing: trading card is confined to the certain industry in a certain area and uses, and the every profession and trade card sending mechanism is established one's own system and can't be accomplished to interconnect under the situation of not doing transformation; (3) present trans-regional, inter-trade development trend: trading card is is accepted development by the payment of single industry to inter-trade, trans-regional, typical in mass transit card, except fields such as traditional public transport, subway, ferries, also developing to retail domain such as supermarket, convenience stores.
Fig. 1 is the synoptic diagram of payment system and the bank card paying system and the mutual relation thereof of the traditional trading card of expression.As shown in Figure 1, trading card 10 is the public transport stored value card for example, when if the holder uses on the traffic route, trading card 10 by public transport sector terminal machine 11 for example the bus carrier aircraft accept the back by the transaction of paying of the 1st side of accepting 12 and trading card mechanism 13, if trading card 10 then accept afterwards the transaction of the paying when holder consumes in the supermarket by the 2nd side of accepting 15 and trading card mechanism 13 by supermarket sector terminal 14.On the other hand, if when the holder uses bank card 20 to consume in the supermarket, bank card 20 is accepted the back by financial terminal 21 and is accepted the transaction of paying of mechanism 22, exchange system 23 and bank's card sending mechanism 24 by bank.
Among Fig. 1, financial terminal 21 only can receiving bank card 20 and can not accept trading card 10, and can not receiving bank block 20 for the 2nd sector terminal 14 that trading card uses.And, can see also that from Fig. 1 the supermarket must dispose supermarket sector terminal 14 and financial terminal 21 simultaneously in order to accept trading card 10 and bank card 20, can cause " a cabinet multimachine " phenomenon.
In addition, inter-trade in order to promote, the trans-regional development of industry card sending mechanism has dropped into that substantial contribution undergoes technological transformation and networking, at the foundation of bank card payment technical field and bank card paying system and the payment network system deposited.Yet mainly there is following defective in this method:
(1) improvement cost height, the wasting of resources: in the expansion process, all be to lay accepting terminal and construction system voluntarily at present for the trade company's industry card sending mechanism that can accept other industry card or bank card, and these resource inputs need substantial contribution, and form " a cabinet multimachine " above-mentioned phenomenon with other-end, cause the wasting of resources;
(2) trans-regional fund is drawn and paid: the trading card transaction funds certainly will need to solve under trans-regional situation with transaction sorting of strange land, city and fund draws the problem of paying, therefore need industry card sending mechanism construction industry card payment exchange system, and the function class of this system is like bank card payment exchange system, its construction needs great amount of manpower and material resources, and most industry card sending mechanism can't independently be finished;
(3) security risk control has to be hoisted: along with trading card to the expansion of the inner payment technical field of the non-industry with accept the expansion of market scale, its original trading card payment network safety and transaction risk monitoring certainly will can't satisfy the demands, and the industry card sending mechanism often lacks the technical advantage of this respect.
Comprehensive above-mentioned reason, at present the characteristics of trading card and development model determined trading card be difficult to accomplish between industry, trans-regional general fast, this also becomes the maximum bottleneck of trading card development.And the payment of most trading cards expansion field mainly concentrates on the bank card payment technical field.
Summary of the invention
In view of the above problems, in order to save resource, avoid financial receiving system duplicate construction and configuration, the present invention aims to provide a kind of bank card paying system that utilizes and realizes the system and method that financial terminal is accepted trading card and the switching of concluding the business is handled.
Transaction of the present invention switching disposal system can receiving bank's card and trading card and handle in the switching of concluding the business between bank card and the bank's card sending mechanism or between trading card and the trading card issuer, comprising:
Financial terminal obtains bank's card number and convert the card number of trading card to transaction route card number when accepting trading card when blocking in receiving bank, submit the transaction message that comprises the transaction message of bank's card number or comprise transaction route card number to;
Accept mechanism, accept from the transaction message that comprises bank's card number of described financial terminal or comprise the transaction message of transaction route card number and submit transaction request to;
Exchange system is from accepting after mechanism receives described transaction request, to the processing of transferring of the transaction request of the transaction request of above-mentioned relevant trading card or relevant bank card;
System for settling account, the transaction request of the relevant bank card after accepting to handle by the switching of described exchange system and clear processing after be sent to described bank card card sending mechanism; And
Industry mechanism inserts front device, be arranged between described trading card issuer and the described exchange system, the transaction request of the relevant trading card after acceptance is handled by the switching of described exchange system and the Transaction Information message that will comprise transaction route card number change into the trading card information that the trading card card sending mechanism can be handled, and are sent to described trading card card sending mechanism.
According to transaction switching disposal system of the present invention, only need improve existing financial terminal, just can utilize bank card payment exchange system resource to accept all kinds of trading cards.Like this, utilize a financial terminal just simultaneously receiving bank's card and trading card, can avoid the phenomenon of " a cabinet multimachine ", saved resource.And the industry card sending mechanism need not to build again accepts network, is that above-mentioned industry mechanism inserts front device and only need set up interface with bank card paying system, just can finish inter-trade, the trans-regional trading card of accepting.
Preferably, store the characteristic information of trading card and the mapping table of transaction route card number in the described financial terminal in advance.
Thus, the card number of trading card can be converted to and its route card number of concluding the business one to one.
Preferably, described financial terminal in the described transaction message that comprises transaction route card number, further comprise the actual card number of trading card with the trading card relevant data of concluding the business.
Thus, the trading card card sending mechanism can be carried out authorization check according to trading card card number and relative transaction data, can guarantee the security of trading card transaction reliably.
Preferably, described transaction route card number comprises the card BIN field of trading card, writes to guarantee that each transaction route card number is in the card BIN of the uniqueness of bank transaction system information in the card BIN of described trading card field.
Here, card BIN field is distributed by bank organization's management, guarantees the uniqueness of the transaction route card number of trading card at bank card system, can guarantee trading card transaction finishing in bank card paying system.
Preferably, the characteristic information of described trading card comprises card media, data storing form, the card number length of trading card.
Thus, can further protect the security of transaction.
Preferably, described transaction route card number further comprises reserved field and the check code that is used to store the industry card information.
Thus, can further protect transaction route card number uniqueness and security.
Preferably, described trading card is any one in magnetic stripe card, the IC-card (here, IC-card is divided into contact, noncontact by cartoon news mode, is divided into logical storage card, CPU card by Card Type).
Preferably, described trading card is a bar code card, and taking a step forward at the incoming end of described financial terminal is provided for bar code is converted to the bar code reader unit of the card number of trading card.
Thus, just can enough utilize bank card payment exchange system resource to accept the trading card of bar code form by increasing the bar code reader unit simply.
The method that transaction switching of the present invention is handled is handled in the switching of concluding the business between bank card and the bank's card sending mechanism and between trading card and the trading card issuer, it is characterized in that,
Accept switch process, by financial terminal receiving bank card or trading card, under the situation that is judged as trading card, convert the card number of trading card to transaction route card number and insert in the transaction message, and further insert the information of the actual card number of trading card and trading card in the transaction message and initiate transaction request as bank's card number; Under the situation that is judged as bank card, insert in transaction message as bank's card number the actual card number of bank card and initiate the transaction request message;
Exchange switching step is under the situation of transaction route card number when what insert as bank's card number in transaction message, judges that this transaction is the trading card transaction, with the industry card sending mechanism as transaction receiving mechanism transmitted transaction request message; When what insert in transaction message is under the situation of actual card number of bank card, with bank's card sending mechanism as transaction receiving mechanism transmitted transaction request message; And
Authorisation step utilizes above-mentioned exchange step to receive in the industry card sending mechanism under the situation of transaction request message, and the industry card sending mechanism is checked, determines whether to authorize, and feeds back to described financial terminal step by step and finishes transaction; Utilize above-mentioned exchange step to receive in bank's card sending mechanism under the situation of transaction request message, bank's card sending mechanism is checked, determines whether to authorize, and feeds back to described financial terminal step by step and finishes transaction.
According to transaction forward processing method of the present invention, only need the software of existing financial terminal be improved, just can utilize bank card payment exchange system resource to accept all kinds of trading cards.Like this, utilize a financial terminal just simultaneously receiving bank's card and trading card, can avoid the phenomenon of " a cabinet multimachine ", saved resource.
Preferably, accept in the switch process, carry out of the conversion of the card number of trading card to transaction route card number according to the characteristic information of trading card and the mapping table of transaction route card number described.
Preferably, accept in the switch process, under the situation that is judged as trading card, in the transaction request message, further increase the actual card number of trading card and submit to after the relevant data with concluding the business with trading card described.
Preferably, the characteristic information of described trading card comprises card media, data storing form, the card number length of trading card.
Preferably, described transaction route card number comprises the card BIN field of trading card, writes to guarantee that each transaction route card number is in the card BIN of the uniqueness of bank transaction system information in the card BIN of described trading card field.
Preferably, described transaction route card number further comprises reserved field and the check code that is used to store the industry card information.
Preferably, described trading card is any one in magnetic stripe card, the IC-card (here, IC-card is divided into contact, noncontact by cartoon news mode, is divided into logical storage card, CPU card by Card Type).
Preferably, described trading card is a bar code card, further possesses the bar code that is used for bar code is converted to the card number of issuing card before accepting switch process and reads in step described.
In sum, forwarding method and the system of should concluding the business of the present invention, can make full use of and have bank card payment exchange system resource inter-trade, trans-regional function, the input of minimizing fund, therefore have the following advantages: (1) industry card sending mechanism need not to build again accepts network and only needs set up interface with bank card paying system, and the technological transformation by financial terminal just can realize inter-trade, the trans-regional expansion of accepting; (2) just can realize by the bank card business dealing system for settling account that inter-trade, the trans-regional fund of trading card transaction is drawn pays; (3) minimum to the influence of bank card paying system, just can compatible trading card transaction by part conversion and expansion.
Description of drawings
Fig. 1 is the synoptic diagram of payment system and the bank card paying system and the mutual relation thereof of the traditional trading card of expression.
Fig. 2 is the structural representation of the system that handles of the transaction switching of expression first embodiment of the invention.
Fig. 3, the 4th, the process flow diagram of each step of the transaction forward processing method of expression first embodiment of the invention.
Fig. 5 is the structural representation of the system that handles of the transaction switching of expression second embodiment of the invention.
Embodiment
First embodiment
Fig. 2 is the structural representation of the system that handles of the transaction switching of expression first embodiment of the invention.
As shown in Figure 2, in the present invention, financial terminal 100 can be accepted trading card A, B and bank card C.At the card of accepting is under the situation of bank card C, and financial terminal 100 carries out transaction processing with Transaction Information by accepting mechanism 200, exchange system 200, system for settling account 500 and bank card issuer 600.That is, carry out the transaction processing of general banking system.
On the other hand, when card that financial terminal 100 is accepted is under the situation of trading card A or B, financial terminal 100 obtains trading card information, finds the transaction route card number of the sector card according to trading card characteristic information of preserving in the financial terminal 100 of accepting and the transaction route card number mapping table of distributing to trading card.Use this transaction route card number to carry out the message block bag subsequently, generate bank card paying system discernible " bank card " Transaction Information, carry out the follow-up processing of accepting and transfer as " bank's card number " of this trading card transaction.When accepting mechanism 200 when receiving this Transaction Information that comprises the route card number, send to exchange system 300, insert preposition mechanism 400 by trading card then and the described Transaction Information that comprises the route card number is converted to the trading card information that the trading card card sending mechanism can handle and is sent to described trading card card sending mechanism 700 or 800 carry out settlement process.Here, trading card card sending mechanism 700,800 is respectively the card sending mechanism of trading card A, B.When bank card paying system carried out cutting day the same day, this transaction entered system for settling account 500 back transaction funds and finishes fund and draw and pay by the Clearing House of acting on behalf of of trading card card sending mechanism 700 or 800 appointments.
Distribute the mode of route card number to describe to trading card when then, accepting trading card A, B for financial terminal 100.
In bank transaction system, bank's card number is the key element of transaction route, clearance in bank card business dealing as the unique identifier of bank card.Bank card number length is 16 to 19 bytes, and the card BIN of wherein preceding 6 bytes distributes to credit card issuer by the bank card tissue, to guarantee card number resource reasonable distribution and to guarantee the uniqueness of card number in bank card paying system of each bank card.
Its length of the card number of trading card and distribution principle are defined voluntarily by the industry card sending mechanism, therefore, if financial terminal supports the trading card transaction and adopts the foundation of industry card number as transaction route, clearance, then between the trading card and and bank card between exist card number to repeat and cause the unusual risk of concluding the business.
For addressing this problem, just need distribute a trading card transaction route card number and be used to replace the actual card number of trading card for each industry card sending mechanism, this card number is filled in the transaction message respective field as " bank's card number ", its form is as shown in table 1:
Table 1: trading card transaction route card number is formed field list
| Trading card card BIN | Reserved field | Check code |
| 1～6 byte | 7～18 bytes | The 19th byte |
Here, reserved field does not influence the transaction route results, can deposit as required as (default setting are complete 0 down) such as trading card hair fastener regional informations.Secondly, check code is by obtaining according to the CVN algorithm byte 1 to byte 18.
Wherein, trading card card BIN information is distributed by the bank card organization and administration, can guarantee the uniqueness of transaction route card number in bank card paying system of trading card like this.This transaction route card number can guarantee that the trading card transaction is committed to the industry card sending mechanism by financial terminal in bank card paying system, accept, transfer and authorize thereby finish the online of transaction.
The card number length of each trading card, card media and most trading card there are differences, and therefore in most cases financial terminal can judge automatically the sector card is by which industry card sending mechanism distribution according to card number length, card media.But also there are simultaneously card number length, the identical trading card of card media, can point out the holder card sending mechanism that chooses a trade by terminal interface for this type of situation.Though have the trading card of transaction and the risk of the selected trading card Type-Inconsistencies of holder in this case, but owing to need import payment cipher during online payment, security authentication module during offline transaction in card and the terminal need carry out authentication, and therefore the security of transaction can be guaranteed.
Financial terminal finds the transaction route card number of the sector card according to trading card characteristic information of preserving in the terminal of accepting and the transaction route card number mapping table of distributing to trading card after obtaining trading card information.Use this transaction route card number to carry out the message block bag subsequently, generate the follow-up processing of accepting and transfer of bank card paying system discernible " bank card " transaction carrying out as " bank's card number " of this trading card transaction.
In order to store the transaction route card number mapping table of trading cards in advance at financial terminal 10 to the transaction routing number of trading card A or B distribution trading card.An example of transaction route card number mapping table has been shown in the table 2 below.
Table 2: transaction route card number mapping table (example 1)
| The industry card sending mechanism | Trading card transaction route card number |
| A | 800001?00000000000?1 |
| B | 800002?00000000000?2 |
| C | 800003?00000000000?3 |
Further, in the transaction route card number mapping table shown in the table 2, can also shown in following table 3, further comprise the trading card characteristic information of trading card card number length, card media information, card number information saving format etc.
Table 3: transaction route card number mapping table (example 2)
| The industry card sending mechanism | Trading card transaction route card number | Trading card card number length | Card media | The card number information storage format |
| A | 800001?00000000000?1 | 19 | Magnetic stripe card | 2 magnetic tracks |
| B | 800002?00000000000?2 | 16 | IC-card (noncontact, logical storage card) | According to behind the card sequence number distributed key from the sector the 1st of 2 the obtain card number |
| C | 800003?00000000000?3 | 20 | IC-card (contact, CPU card) | It is " D156000011 " that trading card is used AID, and card number is deposited in the 2nd record of file 1 |
As seen, the trading card here can be any one in magnetic stripe card, contactless logical storage IC-card, the contact type CPU card.
As mentioned above, can realize trading card transaction accepting and transferring by utilizing above-mentioned transaction route card number mapping table to carry out the conversion of trading card card number at bank card paying system.But when industry card sending mechanism 700 or 800 were sent in transaction, industry card sending mechanism 700 or 800 also needed to carry out authorization check according to real trading card card number.Therefore, after financial terminal 100 is finished the conversion of trading card card number, also need in transaction message, to submit the transaction data relevant of actual card number of trading card and other industry card sending mechanism needs to trading card card sending mechanism 700 or 800 in the lump with trading card.
For these reasons, financial terminal 100 can increase trading card exclusive data territory and is used for depositing above data in transaction message.The sector card exclusive data territory is adopted and is specified usage and the combination of self-defined usage.Wherein, specify usage to require first data of this territory must deposit trading card card number information and employing TLV (Tag Length Value) form, follow-up self-defining data is by the definition voluntarily as required of industry card sending mechanism.
Based on above content, by conversion of trading card card number and increase trading card exclusive data territory, both can realize that all kinds of trading cards accepted and according to " bank card " transaction message transmitted transaction at financial terminal, simultaneously also can correctly accept all kinds of Payment Cards, and the line security guarantee based on bank card paying system can be provided on trading card safety of payment basis.
Be specifically described below with reference to Fig. 3,4 each step for transaction forward processing method of the present invention.
At first, accept Payment Card when (comprising trading card and bank card) at financial terminal 100, interface display payment choice menus (step S10) at financial terminal 110, then, whether prompting selects bank card (step S11) under the situation of selecting bank card, interface display bank card business dealing type selecting menu (step S13) is selected online consumption to enter then and is connected consumption treatment scheme (step S14).
When selecting non-banking card (being trading card) among the step S11,, then, select online consumption to enter and connect consumption flow process (step S15) then at interface display trading card type of transaction choice menus (step S12).
Step S14 and step S15 finish be connected the consumption treatment scheme after, in interface display input dealing money prompting (step S16), then, swipe the card/information of plug-in card etc. in interface display, enter polling status (step S16).After this judge whether by " cancellation " key (step S18),, then go to transaction processing and finish (step S37) if be judged as by " cancellation " key.If be judged as not by " cancellation " key, then then judge whether it is magnetic stripe card swipe the card (step S19), if being judged as is under the situation of magnetic stripe card, continue to judge whether two magnetic track actual formats meet bank card call format (step S20), if be judged as under the situation of the call format that meets bank card, then obtain the magnetic track information (step S21) of bank card, skip to following step S34～step 37 subsequently explanation.
If be judged as under the situation that does not meet the bank card call format at step S20, continue to judge whether according to supporting trading card data storing form to read trading card card number information whether successfully (step S25), if be judged as and read under the unsuccessful situation of trading card card number information, then go to transaction processing and finish (step S37); If successfully read under the situation of trading card card number information, then jump to the following step S27 that will illustrate.
If in step S19, be judged as under the situation of non-magnetic stripe, then continue to judge whether it is IC-card (step S22).If in step S22, be judged as under the situation of non-IC-card, return step S18; If in step S22, be judged as under the situation of IC-card, continue to judge whether to be to store card (S23), if be judged as in step S23 is to store card, whether then transfer to above-mentioned steps S25 judges according to supporting that trading card data storing form reads the trading card card number information successful, if be judged as and read under the unsuccessful situation of trading card card number information, then go to transaction and processing and finish (step S37); If successfully read under the situation of trading card card number information, then jump to the following step S27 that will illustrate.
If in step S23, be judged as under the situation of non-storage card, the bank card Apply Names of then judge to use supporting is selected the whether success (step S24) of IC-card file, successfully use the bank card Apply Names of supporting to select the IC-card file if be judged as, then obtain bank card related data (step S33), jump to the following step S34 that will illustrate then according to bank's IC-card treatment scheme; Select the IC-card file unsuccessful if be judged as the bank card Apply Names of use supporting, continue then to judge that the trading card Apply Names that uses payment selects the whether success (step S26) of IC-card payment file.If in step S26, judge and get nowhere, then go to transaction processing and finish (step S37).
Select IC-card payment file if in step S26, judge the trading card Apply Names that successfully uses payment, then continue to judge whether to exist the trading card (step S27) of card media, data storing form, a plurality of types that card number length is identical, the situation of trading card of identical a plurality of types is next selects (step S28) at interface display trading card type selecting menu if the judgement by step S27 exists really, by selecting to obtain trading card card number information (step S29).And when in step S27, being judged as under the situation of the trading card that does not have identical a plurality of types, then directly entering step S29 and obtain the trading card card number information.
Then, behind step S29, obtain other receipts (S30) that send the trading card card sending mechanism on the needs that card preserves, in trading card transaction route card number corresponding tables, find the trading card transaction route card number (step S31) corresponding with determined trading card, then, the sector card transaction route card number is inserted in the message territory as " bank's card number ", trading card card number and other receipts are inserted in the trading card receipt specific field (step S32) according to call format.
After step S32, show that at financial terminal the payment cipher inputting interface is to obtain Payment Card encrypted message (step S34), obtain other element of transaction information then, for example information such as trade date, terminal number is inserted to generate in the message to connect to send on the consumption request message and is accepted mechanism (step S35).After this, financial terminal accept from accept mechanism should message and transaction results handled (S36), after this transaction processing finishes (step S37).
In each step shown in Fig. 3～4, wherein step S10, S11, S12, S15, S23, S25, S26～S31 are the improvement steps of financial terminal 100 being made in order to accept trading card.In addition, also need the transaction message inspection module of accepting mechanism 200, exchange system 300 of bank payment system and the route processing module of exchange system 300 are carried out corresponding improvement.
When financial terminal 100 is received transaction message, accept mechanism's 200 needs and check the legitimacy of above-mentioned card BIN, because trading card card BIN is the BIN that increases newly, therefore, need transaction message inspection module to pass through with guaranteeing in the trading card card BIN typing card BIN white list that card BIN checks.Secondly, transaction message checks that module also needs format checking is carried out in the trading card exclusive data territory in the transaction message.
The route processing module of exchange system 300 is set up contingency table according to card BIN with between the mechanism of trading card card sending mechanism distribution number, find the trading card mechanism number that receives transaction according to card BIN by the route processing module, thereby, finish the transaction routing forwarding and handle by the interface that mechanism number retrieves trading card mechanism.
Here, be to carry out online consumer sale under the situation of magnetic stripe card to be treated to example, further following explanation with the trading card A of trading card card sending mechanism 700 distribution:
At first, choose a trade on financial terminal menu card transaction of holder enters the trading card transaction menu, select consumer sale and prompting input payment then, the back financial terminal of swiping the card is determined the trading card A of this card for 700 distribution of trading card card sending mechanism according to card media, data layout and card number length, and the terminal notifying holder imports payment cipher subsequently.Financial terminal 100 is after collecting Transaction Informations such as trading card characteristic information, trading card card number, dealing money, payment cipher and finishing corresponding inspection, when Transaction Information group bag, the type of transaction information setting is consumption, and finding corresponding trading card transaction route card number to fill in the transaction message according to the trading card characteristic information automatically as " bank's card number ", the actual card number of trading card and other industry card specific information fill in trading card exclusive data territory by call format and finish the group bag and initiate transaction request;
Then, by the processing of above-mentioned steps, this transaction fully has been converted into a bank card business dealing for accepting mechanism 200, accepts mechanism 200 after receiving transaction request, the transaction message form is checked, and submitted to exchange system 300;
Then, exchange system 300 learns that according to the route card number this transaction is trading card transaction after receiving transaction request, by trading card insert preposition mechanism 400 with the sector card sending mechanism 700 as the receiving mechanism transmitted transaction request message of concluding the business;
Then, industry card sending mechanism 700 is received and is checked behind the transaction request message and determine whether and authorize, and the echo reply message is given exchange system 300;
Then, after exchange system 300 is finished message audit, transmit response message to accepting mechanism 200;
Then, accept after mechanism 200 finishes message audit, transmit response message and give financial terminal 100;
At last, after financial terminal 100 is received response message, make different promptings according to Authorization result.
More than the structure and the transaction forward processing method thereof of system that first embodiment of the present invention transaction switching is handled specifically describe.The system and the transaction forward processing method thereof that utilize transaction switching of the present invention to handle, when financial terminal is accepted all kinds of trading cards and carry out Transaction Information group bag, convert " transaction route card number " to as " bank's card number " in the bank payment system by card number with trading card, and use trading card exclusive data territory to store the actual card number of trading card and the trading card card sending mechanism that the Transaction Information message is issued response is handled, can solve the inconsistent and problem that can't accept trading card at bank payment system of trading card standard and bank card standard, thereby only utilize a financial terminal just can accept all kinds of Payment Cards, make full use of the huge Internet resources of bank payment system, avoided the duplicate construction of receiving system.
Second embodiment
Fig. 4 is the structural representation of the system that handles of the transaction switching of expression second embodiment of the invention.The system that the transaction of second embodiment of the invention switching is handled is on the basis of the system that handles with the transaction switching of first embodiment of the invention shown in Figure 2, further increases to be provided with bar code reader unit 90 and trading card issuer 900.The system that the transaction switching of this embodiment is handled can also further accept the trading card D by the bar code form of trading card issuer 900 distribution except can accepting trading card A, B, bank card C.
As shown in Figure 4, bar code reader unit 90 being set before the receiving end of financial terminal 100, is under the situation of trading card D of bar code form when the Payment Card of accepting, and bar code is converted to the card number of trading card by this bar code reader unit 90.After this, handle according to the processing mode identical with first embodiment, that is: financial terminal 100 obtains the industry card number, find the transaction route card number of the sector card according to trading card characteristic information of preserving in the financial terminal 100 of accepting and the transaction route card number mapping table of distributing to trading card, use this transaction route card number to carry out the message block bag subsequently as " bank's card number " of this trading card transaction, generate bank card paying system discernible " bank card " Transaction Information, carry out the follow-up processing of accepting and transfer.When accepting mechanism 200 when receiving this Transaction Information that comprises the route card number, send to exchange system 300, insert preposition mechanism 400 by trading card then and the described Transaction Information that comprises the route card number is converted to the trading card information that the trading card card sending mechanism can handle and is sent to described trading card card sending mechanism 900 carry out settlement process.When bank card paying system carried out cutting day the same day, this transaction entered system for settling account 500 back transaction funds and finishes fund and draw and pay by the Clearing House of acting on behalf of of trading card card sending mechanism 900 appointments.
In the disposal route that the transaction adapting system of second embodiment of the invention carries out, each step of the basic transaction forward processing method with the first embodiment of the invention that has illustrated with reference to Fig. 3,4 of each step after the card number that bar code is converted to trading card is identical, and omission here specifies.
System and the method thereof of utilizing second embodiment of the invention transaction switching to handle on the basis of first embodiment of the invention, just can further be accepted the trading card of bar code form by only increasing the bar code reader unit.
Should be noted that at last above each embodiment is only in order to technical scheme of the present invention to be described but not limit it.Although the present invention is had been described in detail with reference to above-mentioned embodiment; those of ordinary skill in the art is to be understood that; still can make amendment or the part technical characterictic is equal to replacement the specific embodiment of the present invention; and under the spirit that does not break away from technical scheme of the present invention, it all should be encompassed in the middle of the technical scheme scope that the present invention asks for protection.
Claims (16)
1. transaction switching disposal system, described system can receiving bank's cards and trading card and handle in the switching of concluding the business between bank card and the bank's card sending mechanism or between trading card and the trading card issuer, comprising:
Financial terminal (100) obtains bank's card number and convert the card number of trading card to transaction route card number when accepting trading card when blocking in receiving bank, submit the transaction message that comprises the transaction message of bank's card number or comprise transaction route card number to;
Accept mechanism (200), accept from the transaction message that comprises bank's card number of described financial terminal (100) or comprise the transaction message of transaction route card number and submit transaction request to;
Exchange system (300) is from accepting after mechanism (200) receives described transaction request, to the processing of transferring of the transaction request of the transaction request of above-mentioned relevant trading card or relevant bank card;
System for settling account (500), the transaction request of the relevant bank card after accepting to handle by the switching of described exchange system (300) and clear processing after be sent to described bank card card sending mechanism; And
Industry mechanism inserts front device (400), be arranged between described trading card issuer and the described exchange system (300), the transaction request of the relevant trading card after acceptance is handled by described exchange system (300) switching and the Transaction Information message that will comprise transaction route card number change into the trading card information that the trading card card sending mechanism can be handled, and are sent to described trading card card sending mechanism.
2. the system that transaction switching as claimed in claim 1 is handled is characterized in that,
Store the characteristic information of trading card and the mapping table of transaction route card number in the described financial terminal (100) in advance.
3. the system that transaction switching as claimed in claim 1 is handled is characterized in that,
Described financial terminal (100) in the described transaction message that comprises transaction route card number, further comprise the actual card number of trading card with the trading card relevant data of concluding the business.
4. the system that transaction switching as claimed in claim 2 is handled is characterized in that,
Described transaction route card number comprises the card BIN field of trading card, writes to guarantee that each transaction route card number is in the card BIN of the uniqueness of bank transaction system information in the card BIN of described trading card field.
5. the system that transaction switching as claimed in claim 2 is handled is characterized in that,
The characteristic information of described trading card comprises card media, data storing form, the card number length of trading card.
6. the system that transaction switching as claimed in claim 3 is handled is characterized in that,
Described transaction route card number further comprises reserved field and the check code that is used to store the industry card information.
7. the system that transaction switching as claimed in claim 1 is handled is characterized in that,
Described trading card is any one in magnetic stripe card, the IC-card.
8. the system that described transaction switching is handled as claim 1～6 is characterized in that,
Described trading card is a bar code card,
Take a step forward at the incoming end of described financial terminal (100) and to be provided for bar code is converted to the bar code reader unit of the card number of trading card.
9. the method that the switching of concluding the business is handled is handled in the switching of concluding the business between bank card and the bank's card sending mechanism and between trading card and the trading card issuer, it is characterized in that,
Accept switch process, by financial terminal receiving bank card or trading card, under the situation that is judged as trading card, convert the card number of trading card to transaction route card number and insert in the transaction message, and further insert the information of the actual card number of trading card and trading card in the transaction message and initiate transaction request as bank's card number; Under the situation that is judged as bank card, insert in transaction message as bank's card number the actual card number of bank card and initiate the transaction request message;
Exchange switching step is under the situation of transaction route card number when what insert as bank's card number in transaction message, judges that this transaction is the trading card transaction, with the industry card sending mechanism as transaction receiving mechanism transmitted transaction request message; When what insert in transaction message is under the situation of actual card number of bank card, with bank's card sending mechanism as transaction receiving mechanism transmitted transaction request message; And
Authorisation step utilizes above-mentioned exchange step to receive in the industry card sending mechanism under the situation of transaction request message, and the industry card sending mechanism is checked, determines whether to authorize, and feeds back to described financial terminal step by step and finishes transaction; Utilize above-mentioned exchange step to receive in bank's card sending mechanism under the situation of transaction request message, bank's card sending mechanism is checked, determines whether to authorize, and feeds back to described financial terminal step by step and finishes transaction.
10. the method that transaction switching as claimed in claim 9 is handled is characterized in that,
Accept in the switch process described, carry out of the conversion of the card number of trading card to transaction route card number according to the characteristic information of trading card and the mapping table of transaction route card number.
11. the method that transaction switching as claimed in claim 9 is handled is characterized in that,
Accept in the switch process described, under the situation that is judged as trading card, in the transaction request message, further increase the actual card number of trading card and submit to after the relevant data with concluding the business with trading card.
12. the method that transaction switching as claimed in claim 10 is handled is characterized in that,
The characteristic information of described trading card comprises card media, data storing form, the card number length of trading card.
13. the method that transaction switching as claimed in claim 9 is handled is characterized in that,
Described transaction route card number comprises the card BIN field of trading card, writes to guarantee that each transaction route card number is in the card BIN of the uniqueness of bank transaction system information in the card BIN of described trading card field.
14. the method that transaction switching as claimed in claim 13 is handled is characterized in that,
Described transaction route card number further comprises reserved field and the check code that is used to store the industry card information.
15. the method that transaction switching as claimed in claim 10 is handled is characterized in that,
Described trading card is any one in magnetic stripe card, the IC-card.
16. the method that described transaction switching is handled as claim 9～14 is characterized in that,
Described trading card is a bar code card,
Further possess the bar code that is used for bar code is converted to the card number of issuing card before accepting switch process and read in step described.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910247758.4A CN102117453B (en) | 2009-12-30 | 2009-12-30 | Method and system for accepting various payment cards and performing transaction transfer treatment |
| PCT/CN2010/001782 WO2011079502A1 (en) | 2009-12-30 | 2010-11-08 | Method and system for accepting various kinds of payment card and processing transaction transfer |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910247758.4A CN102117453B (en) | 2009-12-30 | 2009-12-30 | Method and system for accepting various payment cards and performing transaction transfer treatment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN102117453A true CN102117453A (en) | 2011-07-06 |
| CN102117453B CN102117453B (en) | 2014-08-20 |
Family
ID=44216208
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200910247758.4A Active CN102117453B (en) | 2009-12-30 | 2009-12-30 | Method and system for accepting various payment cards and performing transaction transfer treatment |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN102117453B (en) |
| WO (1) | WO2011079502A1 (en) |
Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102354418A (en) * | 2011-10-09 | 2012-02-15 | 钱袋网（北京）信息技术有限公司 | System for processing trade information and method therefor |
| CN103345685A (en) * | 2013-06-24 | 2013-10-09 | 拉卡拉支付有限公司 | Method and system for mobile payment |
| CN103390178A (en) * | 2012-09-20 | 2013-11-13 | 深圳市捷顺科技实业股份有限公司 | Identification processing method for card numbers and card reader |
| CN104200567A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Bank receiving terminal and IC card receiving system and method |
| CN104463674A (en) * | 2014-12-29 | 2015-03-25 | 中国建设银行股份有限公司 | Application processing method and system of integrated circuit card |
| CN104657898A (en) * | 2013-11-22 | 2015-05-27 | 中国银联股份有限公司 | Method and device for processing transaction through internet transit system |
| CN106779631A (en) * | 2016-12-20 | 2017-05-31 | 世纪禾光科技发展（北京）有限公司 | Service charge Cost Optimization Approach and device |
| CN107230059A (en) * | 2017-05-26 | 2017-10-03 | 中国建设银行股份有限公司 | The execution method and device of on-line transaction |
| CN109214800A (en) * | 2018-06-26 | 2019-01-15 | 中国银联股份有限公司 | A kind of transaction data processing method and transaction data processing system |
| CN109829708A (en) * | 2019-02-28 | 2019-05-31 | 中国银联股份有限公司 | A kind of transaction processing system |
| CN109903037A (en) * | 2019-01-24 | 2019-06-18 | 北京银联金卡科技有限公司 | Internet of Things payment platform and method of payment for diversification payment scene |
| CN111640015A (en) * | 2020-02-20 | 2020-09-08 | 中国银联股份有限公司 | Transfer processing system, data processing method, card binding method, originating terminal, and storage medium |
| CN112116452A (en) * | 2020-09-28 | 2020-12-22 | 中国银行股份有限公司 | Transaction processing method and device |
| CN112200579A (en) * | 2020-09-30 | 2021-01-08 | 广东岭南通股份有限公司 | Clearing processing method and system for cross-organization incomplete transaction |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105704018A (en) * | 2016-01-19 | 2016-06-22 | 温州银企互联信息技术有限公司 | Intelligent route management method based on order-receiving operation platform |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20040139014A1 (en) * | 2003-01-09 | 2004-07-15 | Yuh-Shen Song | Anti-fraud remote cash transaction system |
| CN1912907A (en) * | 2005-08-12 | 2007-02-14 | 中国银联股份有限公司 | Safety payoff system and safety payoff method |
| CN101296361A (en) * | 2007-04-24 | 2008-10-29 | 谢鑫 | Method and device for paying by interactive television set-top box |
| CN101556716A (en) * | 2008-04-08 | 2009-10-14 | 杨志华 | Device and system capable of realizing electronic payment through combination with general computing apparatus |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1900961A (en) * | 2005-07-18 | 2007-01-24 | 中国银联股份有限公司 | Online safety payment system and online safety payment method |
| US7793829B2 (en) * | 2005-10-11 | 2010-09-14 | National Payment Card Association | Payment systems and methods |
| US20070206743A1 (en) * | 2006-02-23 | 2007-09-06 | Industrial Technology Research Institute | System and method for facilitating transaction over a communication network |
| US10157375B2 (en) * | 2008-06-03 | 2018-12-18 | Cardinalcommerce Corporation | Alternative payment implementation for electronic retailers |
-
2009
- 2009-12-30 CN CN200910247758.4A patent/CN102117453B/en active Active
-
2010
- 2010-11-08 WO PCT/CN2010/001782 patent/WO2011079502A1/en active Application Filing
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20040139014A1 (en) * | 2003-01-09 | 2004-07-15 | Yuh-Shen Song | Anti-fraud remote cash transaction system |
| CN1912907A (en) * | 2005-08-12 | 2007-02-14 | 中国银联股份有限公司 | Safety payoff system and safety payoff method |
| CN101296361A (en) * | 2007-04-24 | 2008-10-29 | 谢鑫 | Method and device for paying by interactive television set-top box |
| CN101556716A (en) * | 2008-04-08 | 2009-10-14 | 杨志华 | Device and system capable of realizing electronic payment through combination with general computing apparatus |
Cited By (21)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102354418A (en) * | 2011-10-09 | 2012-02-15 | 钱袋网（北京）信息技术有限公司 | System for processing trade information and method therefor |
| CN102354418B (en) * | 2011-10-09 | 2014-07-16 | 钱袋网（北京）信息技术有限公司 | System for processing trade information and method therefor |
| CN103390178A (en) * | 2012-09-20 | 2013-11-13 | 深圳市捷顺科技实业股份有限公司 | Identification processing method for card numbers and card reader |
| CN103345685A (en) * | 2013-06-24 | 2013-10-09 | 拉卡拉支付有限公司 | Method and system for mobile payment |
| CN104657898A (en) * | 2013-11-22 | 2015-05-27 | 中国银联股份有限公司 | Method and device for processing transaction through internet transit system |
| CN104657898B (en) * | 2013-11-22 | 2018-10-23 | 中国银联股份有限公司 | A kind of method and apparatus that transaction is handled by internet adapting system |
| CN104200567A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Bank receiving terminal and IC card receiving system and method |
| CN104463674A (en) * | 2014-12-29 | 2015-03-25 | 中国建设银行股份有限公司 | Application processing method and system of integrated circuit card |
| CN106779631A (en) * | 2016-12-20 | 2017-05-31 | 世纪禾光科技发展（北京）有限公司 | Service charge Cost Optimization Approach and device |
| CN107230059A (en) * | 2017-05-26 | 2017-10-03 | 中国建设银行股份有限公司 | The execution method and device of on-line transaction |
| CN109214800A (en) * | 2018-06-26 | 2019-01-15 | 中国银联股份有限公司 | A kind of transaction data processing method and transaction data processing system |
| CN109214800B (en) * | 2018-06-26 | 2022-09-13 | 中国银联股份有限公司 | Transaction data processing method and transaction data processing system |
| CN109903037A (en) * | 2019-01-24 | 2019-06-18 | 北京银联金卡科技有限公司 | Internet of Things payment platform and method of payment for diversification payment scene |
| CN109903037B (en) * | 2019-01-24 | 2024-04-16 | 北京银联金卡科技有限公司 | Internet of things payment platform and payment method for diversified payment scenes |
| CN109829708A (en) * | 2019-02-28 | 2019-05-31 | 中国银联股份有限公司 | A kind of transaction processing system |
| CN109829708B (en) * | 2019-02-28 | 2024-03-15 | 中国银联股份有限公司 | Transaction processing system |
| CN111640015A (en) * | 2020-02-20 | 2020-09-08 | 中国银联股份有限公司 | Transfer processing system, data processing method, card binding method, originating terminal, and storage medium |
| WO2021164555A1 (en) * | 2020-02-20 | 2021-08-26 | 中国银联股份有限公司 | Transfer processing system, data processing method, card binding method, initiating terminal for sending transaction data, method for sending transaction data, server, and storage medium |
| CN112116452A (en) * | 2020-09-28 | 2020-12-22 | 中国银行股份有限公司 | Transaction processing method and device |
| CN112116452B (en) * | 2020-09-28 | 2024-04-23 | 中国银行股份有限公司 | Transaction processing method and device |
| CN112200579A (en) * | 2020-09-30 | 2021-01-08 | 广东岭南通股份有限公司 | Clearing processing method and system for cross-organization incomplete transaction |
Also Published As
| Publication number | Publication date |
|---|---|
| CN102117453B (en) | 2014-08-20 |
| WO2011079502A1 (en) | 2011-07-07 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN102117453B (en) | Method and system for accepting various payment cards and performing transaction transfer treatment | |
| CN104392340B (en) | Based on event driven transaction on exchange cargo consolidation dispensing transportation system and method | |
| CN101093572A (en) | A preposition system and a centralized data processing system | |
| EP1546950A1 (en) | System and method for converting a stored value card to a credit card | |
| CN101271565A (en) | System and method for processing foreign currency bank card data based on network | |
| CN104966194A (en) | Composite cash register method and intelligent cash register system therefor | |
| CN106209911A (en) | The data processing method of a kind of unified payment message and system | |
| CN101944214A (en) | Multi-card multi-acquiring-bank payment and settlement method and system | |
| CN102214377A (en) | Cloud point of sale (POS) management platform and cloud POS system | |
| CN101587615A (en) | Information integrated platform of traffic IC card and bank card | |
| CN101877101A (en) | Bank payment system and operating method thereof | |
| CN101271564A (en) | System and method for processing client protocol capital pool data based on network | |
| CN106781043A (en) | The electricity-selling system and method for electric automobile | |
| CN205405733U (en) | Self -service many currency conversions device and system | |
| JP2001243403A (en) | System and method for payment | |
| CN101751729A (en) | Unionpay card mobile phone payment system and payment method adopting USSD information | |
| JP4282882B2 (en) | Spending management system, spending management method, and storage medium | |
| CN102890810B (en) | A kind of Novel bank card transaction exchange system | |
| CN102542691B (en) | Method for realizing bank card transaction between mobile phones in point-to-point way | |
| CN103679979B (en) | Data processing method and data processing equipment | |
| CN202351986U (en) | Electronic point-of-sale (POS) machine and electronic POS system | |
| JP2003108778A (en) | Method and program of transaction processing | |
| CN104680672A (en) | Data processing method | |
| JP2021144643A (en) | Charge method for electronic money and electronic money support system | |
| CN100347726C (en) | Two-place in one card bank card system and processing method |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant |