CN102737443A - Bank card data monitoring and alarming system - Google Patents
Bank card data monitoring and alarming system Download PDFInfo
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- CN102737443A CN102737443A CN2012101937900A CN201210193790A CN102737443A CN 102737443 A CN102737443 A CN 102737443A CN 2012101937900 A CN2012101937900 A CN 2012101937900A CN 201210193790 A CN201210193790 A CN 201210193790A CN 102737443 A CN102737443 A CN 102737443A
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Abstract
The invention discloses a bank card data monitoring and alarming system, which comprises a point of sale (POS) machine, an automatic teller machine (ATM), an online bank terminal, a communication front-end processor and a bank card data processing device, wherein the POS machine is used for reading data of a bank card; the ATM is used for reading the data of the bank card; the online bank terminal is used for inputting the data of the bank card; the communication front-end processor is used for performing data exchange processing on the received data of the bank card; the bank card data processing device comprises a singlechip and a POS machine data cache, an ATM data cache, an online bank terminal data cache, an alarming instruction generator and a short message communication module which are connected with the singlechi; and the short message communication module is used for sending bank card alarming information to external wireless communication terminal equipment or a remote server according to an alarming instruction. The problem about monitoring for the data of the bank card by the POS machine, the ATM or the online bank terminal and the problem of false alarming for the data of the bank card are solved.
Description
Technical field
The present invention relates to the bank card data processing technology field, particularly relate to bank card data monitoring and alarm technique that bank card is applied to POS machine and Net silver terminal, is a kind of bank card data monitoring and alarming system specifically.
Background technology
In the prior art, the card reader of bank card often is set on POS machine or the ATM, and user's bank card information is then gathered at the Net silver terminal through keyboard.POS machine, ATM or Net silver terminal are gathered and are handled bank card data according to acquisition mode separately, do not have data interaction each other.The drawback that the bank card data of this separate type is handled is to find in time that the bank card data in POS machine, ATM or the Net silver terminal is handled mistake.
Summary of the invention
The invention provides a kind of bank card data monitoring and alarming system, with the monitoring problem and the bank card data false alarm problem of the bank card data that solves POS machine, ATM or Net silver terminal.
The objective of the invention is, a kind of bank card data monitoring and alarming system is provided, this system comprises: POS machine, ATM, Net silver terminal, prepositive communication computer and bank card data treating apparatus; POS machine, ATM, Net silver terminal are connected with prepositive communication computer through communication network respectively; Prepositive communication computer is connected with the bank card data treating apparatus; The POS machine is used to read bank card data, and sends the bank card data that reads to described prepositive communication computer; ATM is used to read bank card data, and sends the bank card data that reads to prepositive communication computer; The Net silver terminal is used to import bank card data, and sends the bank card data of input to prepositive communication computer; Prepositive communication computer is used for the bank card data that receives is carried out data exchange processing, and sends the bank card data after the data exchange processing to the bank card data treating apparatus; The bank card data treating apparatus comprises: single-chip microcomputer, and be connected with said single-chip microcomputer: POS machine data buffer is used to store the corresponding bank card data of said POS machine; The ATM data buffer is used to store the corresponding bank card data of said ATM; Net silver terminal data buffer is used to store the corresponding bank card data in said Net silver terminal; The alarm command maker is used for generating the bank card data alarm command according to the corresponding bank card data of POS machine, the bank card data that the POS machine is corresponding, the bank card data of Net silver terminal correspondence and the matching treatment of threshold value; The short message communication module is used for according to alarm command the bank card warning message being sent to external wireless communication terminal device or far-end server.
The bank card data treating apparatus also comprises: display, be connected with single-chip microcomputer, and be used to show the bank card warning message.
The bank card data treating apparatus also comprises: communication interface, be connected with single-chip microcomputer, and be used for carrying out data communication with prepositive communication computer.
Prepositive communication computer comprises: the router host CPU; And exchange CPU, be connected with the router host CPU; Exchange chip is connected with exchange CPU with the router host CPU respectively; The POS port is connected with the POS machine with exchange chip respectively; Atm port is connected with ATM with exchange chip respectively; Pc port is connected with the Net silver terminal with exchange chip respectively; Service-Port is connected with the communication interface of exchange chip with the bank card data treating apparatus respectively.
Beneficial effect of the present invention is: the bank card data through POS machine, ATM or Net silver terminal are gathered is integrated, matching treatment; Can in time find the bank card data processing mistake in POS machine, ATM or the Net silver terminal, and send bank card data false alarm information.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art; To do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below; Obviously, the accompanying drawing in describing below only is some embodiments of the present invention, to those skilled in the art; Under the prerequisite of not paying creative work property, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the structured flowchart of the bank card data monitoring and alarming system of the embodiment of the invention;
Fig. 2 is the structured flowchart of the prepositive communication computer of the embodiment of the invention;
Fig. 3 is the bank card data treating apparatus structured flowchart of the embodiment of the invention;
Fig. 4 is the data extract synoptic diagram of the bank card data monitoring and alarming system of the embodiment of the invention.
Embodiment
To combine the accompanying drawing in the embodiment of the invention below, the technical scheme in the embodiment of the invention is carried out clear, intactly description, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all belong to the scope of the present invention's protection.
As shown in Figure 1, the bank card data monitoring and alarming system of present embodiment comprises: POS machine 100, ATM 300, Net silver terminal 200, prepositive communication computer 400 and bank card data treating apparatus 500; POS machine 100, ATM 300, Net silver terminal 200 are connected with prepositive communication computer 400 through communication network respectively; Prepositive communication computer 400 is connected with bank card data treating apparatus 500.
POS machine 100 is used to read bank card data, and sends the bank card data that reads to described prepositive communication computer; ATM 300 is used to read bank card data, and sends the bank card data that reads to prepositive communication computer; Net silver terminal 200 is used to import bank card data, and sends the bank card data of input to prepositive communication computer; Prepositive communication computer 400 is used for the bank card data that receives is carried out data exchange processing, and sends the bank card data after the data exchange processing to the bank card data treating apparatus.
As shown in Figure 2, prepositive communication computer 400 comprises: router host CPU 401; And exchange CPU403, exchange CPU403 is connected with router host CPU 401; Exchange chip 402 is connected with exchange CPU403 with router host CPU 401 respectively; POS port 404 is connected with the POS machine with exchange chip 402 respectively; Atm port 405 is connected with ATM with exchange chip 402 respectively; Pc port is connected with the Net silver terminal with exchange chip 402 respectively; Service-Port is connected with the communication interface of exchange chip with the bank card data treating apparatus respectively.
As shown in Figure 3, bank card data treating apparatus 500 comprises: single-chip microcomputer 501, and be connected with single-chip microcomputer 501: POS machine data buffer 502 is used to store the corresponding bank card data of POS machine; ATM data buffer 503 is used to store the corresponding bank card data of said ATM; PC data buffer 504 is used to store the corresponding bank card data in said Net silver terminal; Alarm command maker 505 is used for generating the bank card data alarm command according to the corresponding bank card data of POS machine, the bank card data that the POS machine is corresponding, the bank card data of Net silver terminal correspondence and the matching treatment of threshold value; Short message communication module 507 is used for according to alarm command the bank card warning message being sent to external wireless communication terminal device or far-end server.Display 508 is connected with single-chip microcomputer 501, is used to show the bank card warning message.Communication interface 506 is connected with single-chip microcomputer 501, is used for carrying out data communication with prepositive communication computer.
The present embodiment system through the bank card data that POS machine, ATM or Net silver terminal are gathered integrate, matching treatment; Can in time find the bank card data processing mistake in POS machine, ATM or the Net silver terminal, and send bank card data false alarm information.
Embodiment
As shown in Figure 4, in the bank card data monitoring and alarming system: the machine-readable bank card data of getting of POS, and according to bank card data generation POS machine raw data.POS machine raw data comprises: customer information file, merchant information file, credit consuming inventory file, card transaction log file, savings transaction log file, settlement bargain journal file.
ATM reads bank card data, and generates the ATM raw data according to bank card data.The ATM raw data comprises: customer information file, merchant information file, credit consuming inventory file, card transaction log file, savings transaction log file, settlement bargain journal file.
Net silver terminal input bank card data, and according to bank card data generation Net silver terminal raw data.Net silver terminal raw data comprises: customer information file, merchant information file, credit consuming inventory file, card transaction log file, savings transaction log file, settlement bargain journal file.
Prepositive communication computer receives POS machine raw data, ATM raw data and Net silver terminal raw data, and the data layout of these raw data is exchanged processing, and the raw data that will exchange then after handling sends to the bank card data treating apparatus.
The bank card data treating apparatus, POS machine raw data, ATM raw data and the Net silver terminal raw data of the process conversion process that reception and buffer memory prepositive communication computer are sent.And the gathering that raw data is reacted, the transaction relationship between the Send only Account reflect into the transaction relationship of (is foundation with the client identity identifier) between gathering, the payment client, a data result's of formation set through after integrating.
The alarm command generation unit of bank card data treating apparatus through the contrast bank card the consumption amount of money and with the relation of the returned money amount of money lower limit and the returned money amount of money upper limit, distinguish it and belong to the direct returned money of single, the how straight bank card data information such as money, the indirect returned money of single and many indirect returned moneys that take back.Flow into certain fund or a few fund total (expense of payment procedure expense if exist the single credit consuming amount of money to be equal to or slightly less than; Roughly be the amount of money 1%～4%); Perhaps many credit consuming Amounts in Total are equal to or slightly less than the total that certain strokes flows into the amount of money; Then the bank card data mistake generates the instruction of bank card data false alarm.Wherein, flow into certain fund or a few fund total and be equivalent to " threshold value ".
Then the short message communication module of bank card data treating apparatus mails to the wireless communication terminal that is used to monitor with the bank card data error message through cordless communication network, or mails to the far-end server that is used to monitor.The display of bank card data treating apparatus self can show the bank card data error message.
The present embodiment system through the bank card data that POS machine, ATM or Net silver terminal are gathered integrate, matching treatment; Can in time find the bank card data processing mistake in POS machine, ATM or the Net silver terminal, and send bank card data false alarm information.For example; The present embodiment system is the basis with the bank card contact transaction data at POS machine, ATM or Net silver terminal; With the client identity identifier as distinguished symbol; Adopt threshold ratio technical scheme, examination has the bank card data mistake of the suspicious trading activity of credit card arbitrage, in time reports to the police through note or demonstration.
Used specific embodiment among the present invention principle of the present invention and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present invention and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present invention, the part that on embodiment and range of application, all can change, in sum, this description should not be construed as limitation of the present invention.
Claims (4)
1. a bank card data monitoring and alarming system is characterized in that, described system comprises: POS machine, ATM, Net silver terminal, prepositive communication computer and bank card data treating apparatus;
Described POS machine, ATM, Net silver terminal are connected with described prepositive communication computer through communication network respectively; Described prepositive communication computer is connected with described bank card data treating apparatus;
Described POS machine is used to read bank card data, and sends the bank card data that reads to described prepositive communication computer;
Described ATM is used to read bank card data, and sends the bank card data that reads to described prepositive communication computer;
Described Net silver terminal is used to import bank card data, and sends the bank card data of input to described prepositive communication computer;
Described prepositive communication computer is used for the bank card data that receives is carried out data exchange processing, and sends the bank card data after the data exchange processing to described bank card data treating apparatus;
Described bank card data treating apparatus comprises: single-chip microcomputer, and be connected with said single-chip microcomputer:
POS machine data buffer is used to store the corresponding bank card data of said POS machine;
The ATM data buffer is used to store the corresponding bank card data of said ATM;
Net silver terminal data buffer is used to store the corresponding bank card data in said Net silver terminal;
The alarm command maker is used for generating the bank card data alarm command according to the corresponding bank card data of described POS machine, the bank card data that the POS machine is corresponding, the bank card data of Net silver terminal correspondence and the matching treatment of threshold value;
The short message communication module is used for according to described alarm command the bank card warning message being sent to external wireless communication terminal device or far-end server.
2. bank card data monitoring and alarming system according to claim 1 is characterized in that, described bank card data treating apparatus also comprises: display, be connected with described single-chip microcomputer, and be used to show described bank card warning message.
3. bank card data monitoring and alarming system according to claim 2 is characterized in that, described bank card data treating apparatus also comprises: communication interface, be connected with described single-chip microcomputer, and be used for carrying out data communication with described prepositive communication computer.
4. bank card data monitoring and alarming system according to claim 3 is characterized in that, described prepositive communication computer comprises: the router host CPU; And
Exchange CPU is connected with described router host CPU;
Exchange chip is connected with exchange CPU with described router host CPU respectively;
The POS port is connected with the POS machine with described exchange chip respectively;
Atm port is connected with ATM with described exchange chip respectively;
Pc port is connected with the Net silver terminal with described exchange chip respectively;
Service-Port is connected with the communication interface of described exchange chip with the bank card data treating apparatus respectively.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210193790.0A CN102737443B (en) | 2012-06-12 | 2012-06-12 | Bank card data monitoring and alarming system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201210193790.0A CN102737443B (en) | 2012-06-12 | 2012-06-12 | Bank card data monitoring and alarming system |
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| CN102737443A true CN102737443A (en) | 2012-10-17 |
| CN102737443B CN102737443B (en) | 2014-04-09 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104346869A (en) * | 2013-08-07 | 2015-02-11 | 航天信息股份有限公司 | Status early warning method and status early warning device for TAM (Technology Acceptance Model) equipment |
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| CN102255802A (en) * | 2011-06-27 | 2011-11-23 | 中国建设银行股份有限公司 | Systems network architecture (SNA) host message resolution method and system |
| CN202584282U (en) * | 2012-06-12 | 2012-12-05 | 中国工商银行股份有限公司 | Monitoring and warning system for bank card data |
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2012
- 2012-06-12 CN CN201210193790.0A patent/CN102737443B/en active Active
Patent Citations (5)
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| US20060143038A1 (en) * | 2004-12-23 | 2006-06-29 | Sainsbury Colleen A | Method of and system for distributing secure items |
| CN101694736A (en) * | 2009-09-28 | 2010-04-14 | 广州市国安信息工程有限公司 | Mobile webpay system and realization method thereof |
| CN102201143A (en) * | 2011-04-08 | 2011-09-28 | 张应刚 | Bank card transaction system and method based on real-time interaction of short-message platform |
| CN102255802A (en) * | 2011-06-27 | 2011-11-23 | 中国建设银行股份有限公司 | Systems network architecture (SNA) host message resolution method and system |
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| CN104346869A (en) * | 2013-08-07 | 2015-02-11 | 航天信息股份有限公司 | Status early warning method and status early warning device for TAM (Technology Acceptance Model) equipment |
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