CN103246996A - Method, system, price enquiring system, terminal and checking system for realizing discount consumption - Google Patents
Method, system, price enquiring system, terminal and checking system for realizing discount consumption Download PDFInfo
- Publication number
- CN103246996A CN103246996A CN2013101831474A CN201310183147A CN103246996A CN 103246996 A CN103246996 A CN 103246996A CN 2013101831474 A CN2013101831474 A CN 2013101831474A CN 201310183147 A CN201310183147 A CN 201310183147A CN 103246996 A CN103246996 A CN 103246996A
- Authority
- CN
- China
- Prior art keywords
- discount
- information
- consumption
- inquiry
- bank 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.)
- Pending
Links
Images
Abstract
The invention discloses a method, a system, a server, a terminal and a checking system for realizing discount consumption. The method comprises the steps that the terminal or the checking system sends a request report toward the price enquiring system according to the happened service transaction, wherein the request report comprises bank card information and consumption information of the service transaction; the price enquiring system enquires the previously saved discount strategy information related to the bank card according to the bank card information and the consumption information of the service transaction, and sends the consumption information subjected to discount processing and contained in a price enquiring responding report back to the terminal or the checking system after performing discount processing on the consumption information of the service transaction according to the enquired discount strategy information; and the terminal or the checking system finishes the billing processing of the service transaction according to the received consumption information subjected to the discount processing. After the scheme disclosed by the invention is adopted, different consumption discount and privilege requirements of each card issuing bank can be flexibly and accurately controlled and processed.
Description
Technical field
The present invention relates to bank card bankcard consumption transaction technology field, relate in particular to a kind of method and system, inquiry system, terminal and receipts single system of realizing discount consumption.
Background technology
Current, bank card (as debit card, credit card) issued volume is increasing, and the popularization competition of bank POS accepting terminal is more and more fierce, and the various preferential means of swiping the card are also in continuous release.
Along with the holder is more and more fastidious to the demand of the service of swiping the card, the convenience that present trend has been swiped the card by pursuit, it is more cheap preferential to expand to consumption.
Be subjected to the influence of bank card receipts single system function, receive the means of handling the consumption discounting in single business at present and mainly be divided into following several: a kind of is not have discount when consumption, returns now afterwards, and this mode is not directly perceived, and the operating cycle is long, not as instant discounting; Second kind is and franchised business signs the discount agreement of short-term, during consumption, by the cashier of trade company manual calculations deduction, the input of the amount of consumption after discount POS terminal is deducted fees, but this mode makes mistakes easily, and the discounting right can't ensure; The third is, on the POS terminal, revise the discount parameter by the professional, by the automatic arithmetical discount volume of POS terminal, though this mode has been avoided some mistakes, ensured the discounting right, be difficult to accurately control the discounting card type, can only make no exception, perhaps also need to accept facility for the consumption that gives a discount lays separately again, and the definition of manual control discount rate and effective period, waste time and energy.
Summary of the invention
Technical matters to be solved by this invention is to overcome existing bank card to receive defective/deficiency that single business can't satisfy the different consumption discount demand of credit card issuer, provide a kind of and realize method and system, inquiry system, the terminal of discount consumption and receive single system, can control the consumption discount demand different with handling each credit card issuer flexibly.
For addressing the above problem, the invention provides a kind of method that realizes discount consumption, described method comprises:
Terminal or receipts single system send the inquiry request message according to the business transaction that takes place to the inquiry system, comprise bank card information and the consumption information of described business transaction in the described inquiry request message;
Described inquiry system is according to bank card information and the consumption information of described business transaction, the discount policy information that is associated with described bank card that inquiry is preserved in advance, and according to the described discount policy information that inquires the consumption information of described business transaction is carried out after discount handles, the consumption information after discount is handled is included in the inquiry response message and returns to described terminal or described receipts single system;
Consumption information after described terminal or described receipts single system are handled according to the described discount that receives is finished the charging of described business transaction and is handled.
Wherein, the consumption information after described terminal is handled according to the described discount that receives is finished the charging of described business transaction and is handled, and comprising:
After consumption information after described terminal is handled according to described discount is finished the operation of swiping the card, generate the consumption message and send to described receipts single system, described receipts single system with described consumption message up sending to described bank account host computer system processes.
Wherein, the consumption information after described receipts single system is handled according to the described discount that receives is finished the charging of described business transaction and is handled, and comprising:
Consumption information after described receipts single system is handled according to described discount generates the consumption message, on deliver to described bank account host computer system processes.
Wherein, pre-defined each bank card and is preserved described discount policy information and described bank card explicitly at the discount policy information of franchised business in the described inquiry system.
Wherein, described discount policy information comprises the wherein a kind of or multiple combination arbitrarily in the following information:
Discount strategy coding, policy name, trade company's coding, trade company's product coding, discount cycle, discount rate, discount Policy Status, suitable bank card BIN, discount priority, discount threshold information;
Wherein, discount threshold information comprises the number of times scope that raw consumer amount scope, consuming frequency scope and/or discount strategy that restriction discount strategy is used are suitable for.
Wherein, described consumption information comprises: trade company's coding, product coding, terminal coding, consumption amount and/or consumption time;
Described inquiry system inquires about the discount policy information that described bank card is associated according to described bank card information and consumption information and refers to, obtains effective discount strategy set under this franchised business according to the trade company's coding in the described consumption information, product coding, terminal coding, consumption amount and/or consumption time from database.
Wherein, when comprising a plurality of discount policy information in the described discount strategy set, described inquiry system uses bank card BIN to filter to the described a plurality of discount policy informations in the described discount strategy set; And/or, select the highest discount policy information of priority for use according to the priority of described a plurality of discount policy informations.
The present invention also provides a kind of inquiry system that realizes discount consumption, and described inquiry system comprises:
Discount policy definition module defines each bank card at the discount policy information of franchised business, and with described discount policy information be stored in the database;
Database is preserved the discount policy information that is associated with bank card;
Discount information is returned module, when receiving the inquiry request message, inquires about the discount policy information that described bank card is associated according to bank card information and the consumption information of the business transaction that comprises in the described inquiry request message; And according to the described discount policy information that inquires the consumption information of described business transaction is carried out after discount handles, the consumption information after discount is handled returns to the requesting party of described business transaction request.
Wherein, described discount policy definition module, the discount policy information of definition comprise the wherein a kind of or multiple combination arbitrarily in the following information: discount strategy coding, policy name, trade company's coding, trade company's product coding, discount cycle, discount rate, discount Policy Status, suitable bank card BIN, discount priority, discount threshold information; Wherein, discount threshold information comprises the number of times scope that raw consumer amount scope, consuming frequency scope and/or discount strategy that restriction discount strategy is used are suitable for;
Described discount information is returned module, inquire about the discount policy information that described bank card is associated according to described bank card information and consumption information and refer to, from database, obtains effective discount strategy set under this franchised business according to the trade company's coding in the described consumption information, product coding, terminal coding, consumption amount and/or consumption time.
Wherein, described discount information is returned module and is used for, and when comprising a plurality of discount policy information in the described discount strategy set, uses bank card BIN to filter to the described a plurality of discount policy informations in the described discount strategy set; And/or, select the highest discount policy information of priority for use according to the priority of described a plurality of discount policy informations.
In addition, the present invention also provides a kind of terminal that realizes discount consumption, and described terminal comprises:
The inquiry unit, the business transaction that takes place according to the user sends the inquiry request message to the inquiry system, comprises bank card information and the consumption information of described business transaction in the described inquiry request message; Wherein, described consumption information comprises: trade company's coding, product coding, terminal coding, consumption amount and/or consumption time;
Charging Detail Record unit, when receiving the inquiry response message that described inquiry system returns, the consumption information after handling according to the discount that comprises in the described inquiry response message is finished the operation of swiping the card, and generates and consume message and send to the receipts single system.
In addition, the present invention also provides a kind of receipts single system of realizing discount consumption, and described receipts single system comprises:
The inquiry module when receiving the business transaction request of terminal transmission, sends the inquiry request message to the inquiry system, comprises bank card information and the consumption information of described business transaction in the described inquiry request message; Wherein, described consumption information comprises: trade company's coding, product coding, terminal coding, consumption amount and/or consumption time;
Receive single module, during inquiry response message that described inquiry system returns, the consumption information after handling according to the discount that comprises in the described inquiry response message generates the consumption message, on deliver to bank's account host computer system processes.
In addition, the present invention also provides a kind of system that realizes discount consumption, and described system comprises aforesaid inquiry system and aforesaid terminal.
In addition, the present invention also provides a kind of system that realizes discount consumption, and described system comprises aforesaid inquiry system and aforesaid receipts single system.
Adopt the technical scheme of the embodiment of the invention, compared with prior art, need not to allow the acquirer can control the consumption discount demand different with handling each credit card issuer flexibly under the prerequisite that existing receipts single system is too much transformed.
Certainly, it will be understood by those skilled in the art that for an embodiment among the application to have above-mentioned all characteristics.
Other features and advantages of the present invention will be set forth in the following description, and, partly from instructions, become apparent, perhaps understand by implementing the present invention.Purpose of the present invention and other advantages can realize and obtain by specifically noted structure in instructions, claims and accompanying drawing.
Description of drawings
Accompanying drawing is used to provide the further understanding to technical solution of the present invention, and constitutes the part of instructions, is used from the application's embodiment one and explains technical scheme of the present invention, does not constitute the restriction to technical solution of the present invention.
Fig. 1 is the composition synoptic diagram of inquiry system of the realization discount consumption of the embodiment of the invention;
Fig. 2 is the composition synoptic diagram of system of the realization discount consumption of the embodiment of the invention;
Fig. 3 is the synoptic diagram of the discount policy information of the embodiment of the invention;
Fig. 4 is the schematic flow sheet that the POS terminal inquiry formula of the embodiment of the invention realizes receiving single professional discount consumption;
Fig. 5 is the composition synoptic diagram of system of the realization discount consumption of another embodiment of the present invention;
Fig. 6 is the schematic flow sheet that the receipts single system inquiry formula of another embodiment of the present invention realizes receiving single professional discount consumption.
Embodiment
Embodiment of the present invention provides a kind of method that realizes discount consumption, adopts following scheme:
Terminal or receipts single system send the inquiry request message according to the business transaction that takes place to the inquiry system, comprise bank card information and the consumption information of business transaction in the inquiry request message;
The inquiry system is according to bank card information and the consumption information of business transaction, the discount policy information that is associated with bank card that inquiry is preserved in advance, and according to the discount policy information that inquires the consumption information of business transaction is carried out after discount handles, the consumption information after discount is handled is included in and returns to terminal in the inquiry response message or receive single system;
Consumption information after terminal or receipts single system are handled according to the discount that receives is finished the charging of business transaction and is handled.
Wherein, pre-defined each bank card and is preserved described discount policy information and described bank card explicitly at the discount policy information of franchised business in the described inquiry system.
Wherein, described discount policy information comprises the wherein a kind of or multiple combination arbitrarily in the following information:
Discount strategy coding, policy name, trade company's coding, trade company's product coding, discount cycle, discount rate, discount Policy Status, suitable bank card BIN, discount priority, discount threshold information;
Wherein, discount threshold information comprises the number of times scope that raw consumer amount scope, consuming frequency scope and/or discount strategy that restriction discount strategy is used are suitable for.
Wherein, described consumption information comprises: trade company's coding, product coding, terminal coding, consumption amount and/or consumption time;
Described inquiry system inquires about the discount policy information that described bank card is associated according to described bank card information and consumption information and refers to, obtains effective discount strategy set under this franchised business according to the trade company's coding in the described consumption information, product coding, terminal coding, consumption amount and/or consumption time from database.
In addition, embodiment of the present invention also provides a kind of system that realizes receiving single professional discount consumption, comprises above-mentioned inquiry system, also comprise inquiry module/unit, wherein, in the specific implementation, this inquiry module/unit can be positioned at POS terminal and two diverse locations of server end.When being positioned at the POS terminal, after swiping the card and importing the amount of consumption, return the module inquiry by the inquiry module to the discount information on backstage earlier, the discount amount of consumption that the backstage is returned is bundled to consumes in the message, and then on give the receipts single system; When being positioned at server end, after the receipts single system received the consumption request of withholing of POS terminal, it was mutual at first to return module by inquiry module and discount information, the amount of consumption behind the discount taken, and upgrade the volume of withholing in the consumption message, on send bank card account host process.
Wherein, described franchised business information can comprise name of firm, trade company's coding, trade company's SIC code, trade company's geographical location information etc.; Franchised business's product information can comprise product coding, name of product, product retail price, product description etc., and product can be class in kind, also can be service class; The POS end message can comprise terminal number, terminal trade company coding, terminal type etc.; Bank card information comprises credit card issuer coding, credit card issuer title, card BIN information, card class information; The discount policy information can comprise discount strategy coding, policy name, trade company's coding, trade company's product coding, discount cycle, discount rate, discount Policy Status, be suitable for bank card BIN, discount priority and/or discount threshold information etc.Wherein discount threshold information refers to, the raw consumer amount scope that restriction discount strategy is used, the number of times scope that consuming frequency scope, discount strategy are suitable for etc.
Further, the consumption information uploaded of terminal can comprise consumption terminal coding, trade company's coding, product coding, consumption amount and/or consumption time etc.
Further franchised business's information and product information, end message are related, discount strategy related by with trade company coding, product coding, bank card BIN coding, and add the restriction of time cycle, realize that the fixed time section specifies to be stuck in to specify trade company's consumption appointed product to obtain to specify the definition of discount.
Further, discount information is returned module and is referred to according to the discount policy information of storing in bank card information and the consumption information acquisition database, obtains effective discount strategy set under this trade company according to trade company's coding, product coding, terminal coding, consumption time from database.The discount strategy set is re-used bank card BIN filter, if also have a plurality of discount strategies, select the high person of priority to use according to priority again.If do not find the discount strategy, just returning module, discount information is left intact, give and receive the single system normal process.
Further, describedly according to the discount strategy consumption information is carried out the discount processing of chargeing and refer to, use the consumption amount of money in the consumption information that the discount rate in the discount strategy uploads terminal to convert, the real consumption amount of money after converting is updated in the consumption information, and then on give and receive the single system normal process.
For making the purpose, technical solutions and advantages of the present invention clearer, hereinafter will be elaborated to embodiments of the invention by reference to the accompanying drawings.Need to prove that under the situation of not conflicting, the embodiment among the application and the feature among the embodiment be combination in any mutually.
Can in the computer system such as one group of computer executable instructions, carry out in the step shown in the process flow diagram of accompanying drawing.And, though there is shown logical order in flow process, in some cases, can carry out step shown or that describe with the order that is different from herein.
Embodiment one
Present embodiment provides a kind of inquiry system that realizes receiving single professional discount consumption, and as shown in Figure 1, it mainly comprises:
Database: be mainly used in preserving the discount policy information that is associated with bank card, can be used for recording franchised business's information in addition, the product information of franchised business, POS end message, bank card information;
Discount policy definition module: the definition bank card is at the discount policy information of franchised business;
Discount information is returned module: during real-time consumption, obtain the discount policy information stored in the database according to bank card information and consumption information, according to the discount strategy amount of consumption of input is carried out discount and convert, return the amount of consumption after the discount.
Embodiment two
Present embodiment provides a kind of system that realizes receiving the professional consumption that gives a discount of list, and as shown in Figure 2, this system mainly comprises the inquiry system, terminal and receipts single system.Wherein, described terminal includes but not limited to that bank card receives single POS terminal, bank card cash register mis system etc.
Described inquiry system further can be divided into as lower module/unit:
Database is used for record franchised business information, the product information of franchised business, POS end message, bank card information, discount policy information etc.;
Discount policy definition module, the definition bank card is at the discount policy information of franchised business;
Discount information is returned module, during real-time consumption, the inquiry module that receives the POS terminal passes bank card information and the consumption information of coming, according to the discount policy information of storing in bank card information and the consumption information acquisition database, according to the discount strategy consumption information is carried out discount charging processing, return the consumption information after the discount charging is handled.
Described receipts single system is responsible for handling the business transaction request (as the request of swiping the card) that the POS terminal is submitted to, and is returned result.
Wherein, described terminal further can comprise inquiry unit and Charging Detail Record unit.The inquiry unit, the business transaction event that takes place according to the user sends request, the bank card information of this business transaction that comprises in the described request and consumption information to server end; Wherein, described consumption information comprises: trade company's coding, product coding, terminal coding, consumption amount and/or consumption time.Charging Detail Record unit, when receiving the consumption information after discount that server end returns is handled, the consumption information after handling according to described discount is finished the operation of swiping the card, and generates and consume message and send to the receipts single system.
In the present embodiment, receive single system and be responsible for and the POS terminal called, handle the transaction request of POS terminal, comprise the encrypting and decrypting work of the Transaction Information in the communication process.Simultaneously, also responsible mutual with the account host computer system of bank.In the present embodiment, the inquiry module of POS terminal is returned alternately by the discount strategy of independent safety encipher system and server end, and the key that this encryption system uses and the cipher key separation of receiving single system do not exist receiving the invasion of single mass system secure border.The key that the inquiry process is used can issue by the request of registering of POS terminal.
In the present embodiment, at first pass through the discount policy information that discount policy definition module definition is implemented, as shown in Figure 3, described discount policy information comprises discount strategy coding, policy name, trade company's coding, trade company's product coding, discount cycle, discount rate, discount Policy Status at least, is suitable for bank card BIN, discount priority, discount threshold information etc.Wherein discount threshold information refers to, the raw consumer amount scope that restriction discount strategy is used, the number of times scope that consuming frequency scope, discount strategy are suitable for etc.
In the present embodiment, if the discount strategy is irrelevant with the product of trade company, then need not to bind product coding.If the same time period, same trade company has defined a plurality of discount strategies to same bank card, then need pass through the discount prioritization, selects for use the high person of priority to use.Be suitable for the card that bank card BIN attribute can point to a tame bank, can be the card of one group of bank also, even represent all bank cards.When certain tame bank wishes that oneself the user of certain grade carried out the difference discount, can bind bank card BIN information by the card level attribute.The effect of discount threshold information is to limit the extra condition of enjoying the discounting right.The scope that for example limits the raw consumer amount refer to similar in specific period, must consume full 50 yuan enjoy just that 8 foldings are preferential, the specific demand of 9 foldings of the enjoyment below 200 yuan etc.; The frequency range of curbing consumption refers to that similar user must expire 5 times in consumption in specific period, this can enjoy discounting; The number of times scope that restriction discount strategy is suitable for refers to, allows the user can enjoy the number of times of discount in specific period; Simultaneously, discount information is returned module and can be carried out these specific restrictive conditions if desired, also needs to obtain these data necessary from receive single system.
Based on said system, present embodiment also provides a kind of POS terminal inquiry formula realization bank card to receive the method that single real-time consumption gives a discount.As shown in Figure 4, the present embodiment method specifically comprises following key step:
Step 401, the user swipes the card in the POS terminal;
Step 402, the input amount of consumption;
Step 403, the inquiry module on the POS terminal is organized into the inquiry request message with bank card information and consumption information automatically, on give server end discount information return module;
Step 404, discount information are returned module and are received the inquiry request message;
Step 405, discount information are returned module obtains coupling from database discount policy information;
Particularly, discount information is returned module and is obtained effective discount strategy set under this trade company according to the trade company's coding in the consumption information, product coding, terminal coding, consumption time from database.The discount strategy set is re-used bank card information filter, when having a plurality of satisfied discount strategy, select the high person of priority to use.
Step 406, discount information are returned module and are judged according to lookup result whether the user has the discounting right, if do not find the discount strategy, then discount information is returned module and consumption information do not processed direct consumption amount of money tissue inquiry response message according to reality; If found the discount strategy, then use the discount rate in the discount strategy that the consumption amount of money in the consumption information is converted, the real consumption amount of money after converting is put into the inquiry response message, and then the inquiry module of POS terminal system is given in passback;
Step 407, the inquiry module of POS terminal receive the inquiry response message;
Step 408 in the present embodiment, supposes that discount information returns module searches and arrived corresponding discount strategy, and the module of then inquiring the price can be presented at the amount of consumption after the discount and/or the real consumption amount of money and associated discount information in the terminal interface;
Step 409, the user confirms that trading password is imported in the back and generation consumption message up sending is received the single system processing.This treatment scheme finishes.
In the present embodiment, by the discount strategy that server end is preserved in advance, when the inquiry unit of POS terminal sends the business transaction request to server end, according to the discount information that server end returns, can realize instant consumption discount calculating.Adopt the present embodiment scheme, can flexibly, accurately control the consumption discount demand different with handling each credit card issuer.
Embodiment three
Present embodiment provides a kind of system that realizes receiving single professional consumption that gives a discount, and as shown in Figure 5, this system mainly comprises the inquiry system, terminal (for example POS terminal) and receipts single system.
Wherein, further comprise in the inquiry system as lower module/unit:
Database is used for record franchised business information, the product information of franchised business, POS end message, bank card information, discount policy information etc.;
Discount policy definition module, the definition bank card is at the discount policy information of franchised business;
Discount information is returned module, during real-time consumption, receive the inquiry module of receiving single system and pass bank card information and the consumption information of coming, according to the discount policy information of storing in bank card information and the consumption information acquisition database, according to the discount strategy consumption information is carried out discount charging processing, return the consumption information after the discount charging is handled.
Described receipts single system comprises the inquiry module and receives single module, is respectively applied to send the inquiry request message to the inquiry system, receives the consumption information after the discount charging of returning is handled; And, handle the request of swiping the card that the POS terminal is submitted to, the consumption information of chargeing after handling according to discount generates the consumption message up sending to bank's account main frame, returns result etc.
Described terminal includes but not limited to that bank card receives single POS terminal, bank card cash register mis system.
In the present embodiment, receive single system and be responsible for and the POS terminal called, handle the transaction request of POS terminal, comprise the encrypting and decrypting work of the Transaction Information in the communication process.Simultaneously, also responsible mutual with the account host computer system of bank.In the present embodiment, it is only mutual with the inquiry module of receiving in the single system that discount information is returned module.Directly not mutual with POS terminal, card sending system and bank's account host computer system, there is not safety problem.
In the present embodiment, at first pass through the discount policy information that discount policy definition module definition is implemented, as shown in Figure 3, described discount policy information comprises discount strategy coding, policy name, trade company's coding, trade company's product coding, discount cycle, discount rate, discount Policy Status at least, is suitable for bank card BIN, discount priority, discount threshold information etc.Wherein discount threshold information refers to, the raw consumer amount scope that restriction discount strategy is used, the number of times scope that consuming frequency scope, discount strategy are suitable for etc.
In the present embodiment, if the discount strategy is irrelevant with the product of trade company, then need not to bind product coding.If the same time period, same trade company has defined a plurality of discount strategies to same bank card, then need pass through the discount prioritization, selects for use the high person of priority to use.Be suitable for the card that bank card BIN attribute can point to a tame bank, can be the card of one group of bank also, even represent all bank cards.When certain tame bank wishes that oneself the user of certain grade carried out the difference discount, can bind bank card BIN information by the card level attribute.The effect of discount threshold information is to limit the extra condition of enjoying the discounting right.The scope that for example limits the raw consumer amount refer to similar in specific period, must consume full 50 yuan enjoy just that 8 foldings are preferential, the specific demand of 9 foldings of the enjoyment below 200 yuan etc.; The frequency range of curbing consumption refers to that similar user must expire 5 times in consumption, could enjoy discounting in specific period; The number of times scope that restriction discount strategy is suitable for refers to, allows the user can enjoy the number of times of discount in specific period; Simultaneously, discount information is returned module and can be carried out these specific restrictive conditions if desired, also needs to obtain these data necessary from receive single system.
Based on said system, present embodiment also provides a kind of POS terminal inquiry formula realization bank card to receive the method that single real-time consumption gives a discount.As shown in Figure 6, the present embodiment method specifically comprises following key step:
Step 601 when receiving single system and receive the business transaction request of POS terminal, is passed to discount information with bank card information and consumption information by the inquiry module and is returned module;
Step 602, discount information are returned module obtains coupling from database discount policy information;
Particularly, discount information is returned module and can be obtained effective discount strategy set under this trade company from database according to the trade company's coding in the consumption information, product coding, terminal coding, consumption time.The discount strategy set is re-used bank card information filter, when having a plurality of satisfied discount strategy, select the high person of priority to use.
Step 603, discount information are returned module and are judged according to lookup result whether the user has the discounting right, if do not find the discount strategy, then discount information is returned module and consumption information do not processed the direct inquiry module of organizing the inquiry result to return to the receipts single system; If found the discount strategy, then discount information is returned module and is used the discount rate in the discount strategy that the consumption amount of money in the consumption information is converted, and the real consumption amount of money after will converting puts into consumption information, and then returns to the inquiry module by the inquiry response message;
Step 604 is received single system and is organized consumption message up sending bank account host computer system processes according to the inquiry result.
In the present embodiment, receive single system and receive the consumption request message of POS terminal, call the inquiry module then, according to the result that returns of inquiry module, previous POS end consumption request message is processed modification, mainly be the actual volume territory of withholing of revising wherein, and the value that regenerates the MAC verification territory of message; The POS terminal receives amended discount parameter, can realize discount consumption.
Those skilled in the art should be understood that, each ingredient of the device that above-mentioned the embodiment of the present application provides and/or system, and each step in the method, they can concentrate on the single calculation element, perhaps are distributed on the network that a plurality of calculation elements form.Alternatively, they can be realized with the executable program code of calculation element.Thereby, they can be stored in the memory storage and be carried out by calculation element, perhaps they are made into each integrated circuit modules respectively, perhaps a plurality of modules in them or step are made into the single integrated circuit module and realize.Like this, the present invention is not restricted to any specific hardware and software combination.
Though the disclosed embodiment of the present invention as above, the embodiment that described content only adopts for ease of understanding the present invention is not in order to limit the present invention.Those of skill in the art under any the present invention; under the prerequisite that does not break away from the disclosed spirit and scope of the present invention; can carry out any modification and variation in form and the details implemented; but scope of patent protection of the present invention still must be as the criterion with the scope that appending claims was defined.
Claims (14)
1. method that realizes discount consumption, described method comprises:
Terminal or receipts single system send the inquiry request message according to the business transaction that takes place to the inquiry system, comprise bank card information and the consumption information of described business transaction in the described inquiry request message;
Described inquiry system is according to bank card information and the consumption information of described business transaction, the discount policy information that is associated with described bank card that inquiry is preserved in advance, and according to the described discount policy information that inquires the consumption information of described business transaction is carried out after discount handles, the consumption information after discount is handled is included in the inquiry response message and returns to described terminal or described receipts single system;
Consumption information after described terminal or described receipts single system are handled according to the described discount that receives is finished the charging of described business transaction and is handled.
2. the method for claim 1, wherein:
Consumption information after described terminal is handled according to the described discount that receives is finished the charging of described business transaction and is handled, and comprising:
After consumption information after described terminal is handled according to described discount is finished the operation of swiping the card, generate the consumption message and send to described receipts single system, described receipts single system with described consumption message up sending to described bank account host computer system processes.
3. the method for claim 1, wherein:
Consumption information after described receipts single system is handled according to the described discount that receives is finished the charging of described business transaction and is handled, and comprising:
Consumption information after described receipts single system is handled according to described discount generates the consumption message, on deliver to described bank account host computer system processes.
4. the method for claim 1, wherein:
Pre-defined each bank card is at the discount policy information of franchised business in the described inquiry system, and described discount policy information and described bank card are preserved explicitly.
5. as claim 1,2,3 or 4 described methods, wherein:
Described discount policy information comprises the wherein a kind of or multiple combination arbitrarily in the following information:
Discount strategy coding, policy name, trade company's coding, trade company's product coding, discount cycle, discount rate, discount Policy Status, suitable bank card BIN, discount priority, discount threshold information;
Wherein, discount threshold information comprises the number of times scope that raw consumer amount scope, consuming frequency scope and/or discount strategy that restriction discount strategy is used are suitable for.
6. method as claimed in claim 5, wherein:
Described consumption information comprises: trade company's coding, product coding, terminal coding, consumption amount and/or consumption time;
Described inquiry system inquires about the discount policy information that described bank card is associated according to described bank card information and consumption information and refers to, obtains effective discount strategy set under this franchised business according to the trade company's coding in the described consumption information, product coding, terminal coding, consumption amount and/or consumption time from database.
7. method as claimed in claim 6, wherein:
When comprising a plurality of discount policy information in the described discount strategy set, described inquiry system uses bank card BIN to filter to the described a plurality of discount policy informations in the described discount strategy set; And/or, select the highest discount policy information of priority for use according to the priority of described a plurality of discount policy informations.
8. inquiry system that realizes discount consumption, described inquiry system comprises:
Discount policy definition module defines each bank card at the discount policy information of franchised business, and with described discount policy information be stored in the database;
Database is preserved the discount policy information that is associated with bank card;
Discount information is returned module, when receiving the inquiry request message, inquires about the discount policy information that described bank card is associated according to bank card information and the consumption information of the business transaction that comprises in the described inquiry request message; And according to the described discount policy information that inquires the consumption information of described business transaction is carried out after discount handles, the consumption information after discount is handled returns to the requesting party of described business transaction request.
9. inquiry as claimed in claim 8 system, wherein:
Described discount policy definition module, the discount policy information of definition comprise the wherein a kind of or multiple combination arbitrarily in the following information: discount strategy coding, policy name, trade company's coding, trade company's product coding, discount cycle, discount rate, discount Policy Status, suitable bank card BIN, discount priority, discount threshold information; Wherein, discount threshold information comprises the number of times scope that raw consumer amount scope, consuming frequency scope and/or discount strategy that restriction discount strategy is used are suitable for;
Described discount information is returned module, inquire about the discount policy information that described bank card is associated according to described bank card information and consumption information and refer to, from database, obtains effective discount strategy set under this franchised business according to the trade company's coding in the described consumption information, product coding, terminal coding, consumption amount and/or consumption time.
10. inquiry as claimed in claim 9 system, wherein:
Described discount information is returned module and is used for, and when comprising a plurality of discount policy information in the described discount strategy set, uses bank card BIN to filter to the described a plurality of discount policy informations in the described discount strategy set; And/or, select the highest discount policy information of priority for use according to the priority of described a plurality of discount policy informations.
11. a terminal that realizes discount consumption, described terminal comprises:
The inquiry unit, the business transaction that takes place according to the user sends the inquiry request message to the inquiry system, comprises bank card information and the consumption information of described business transaction in the described inquiry request message; Wherein, described consumption information comprises: trade company's coding, product coding, terminal coding, consumption amount and/or consumption time;
Charging Detail Record unit, when receiving the inquiry response message that described inquiry system returns, the consumption information after handling according to the discount that comprises in the described inquiry response message is finished the operation of swiping the card, and generates and consume message and send to the receipts single system.
12. a receipts single system of realizing discount consumption, described receipts single system comprises:
The inquiry module when receiving the business transaction request of terminal transmission, sends the inquiry request message to the inquiry system, comprises bank card information and the consumption information of described business transaction in the described inquiry request message; Wherein, described consumption information comprises: trade company's coding, product coding, terminal coding, consumption amount and/or consumption time;
Receive single module, during inquiry response message that described inquiry system returns, the consumption information after handling according to the discount that comprises in the described inquiry response message generates the consumption message, on deliver to bank's account host computer system processes.
13. a system that realizes discount consumption, described system comprises each claim described inquiry system and the terminal as claimed in claim 11 as claim 8 to 10.
14. a system that realizes discount consumption, described system comprises as each claim described inquiry system of claim 8 to 10 and receipts single system as claimed in claim 12.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2013101831474A CN103246996A (en) | 2013-05-17 | 2013-05-17 | Method, system, price enquiring system, terminal and checking system for realizing discount consumption |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2013101831474A CN103246996A (en) | 2013-05-17 | 2013-05-17 | Method, system, price enquiring system, terminal and checking system for realizing discount consumption |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103246996A true CN103246996A (en) | 2013-08-14 |
Family
ID=48926503
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2013101831474A Pending CN103246996A (en) | 2013-05-17 | 2013-05-17 | Method, system, price enquiring system, terminal and checking system for realizing discount consumption |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103246996A (en) |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104376457A (en) * | 2014-09-26 | 2015-02-25 | 冯冀生 | Discount billing terminal, discount billing system and discount billing method |
| CN105447699A (en) * | 2014-06-30 | 2016-03-30 | 阿里巴巴集团控股有限公司 | Data processing method and device |
| CN105488673A (en) * | 2015-12-03 | 2016-04-13 | 中国联合网络通信集团有限公司 | Electronic consumption method, device and system |
| CN105512882A (en) * | 2015-12-14 | 2016-04-20 | 中国银联股份有限公司 | HCE-based payment method and apparatus |
| CN106296238A (en) * | 2015-05-20 | 2017-01-04 | 阿里巴巴集团控股有限公司 | Access the method for characteristic, extraction element, server |
| CN106779931A (en) * | 2016-12-05 | 2017-05-31 | 携程旅游网络技术（上海）有限公司 | The product resource information control method and system at online ticket service center |
| CN107169790A (en) * | 2017-05-02 | 2017-09-15 | 交通银行股份有限公司 | A kind of discounting method, client, server, electronic equipment and discounting system |
| CN107622412A (en) * | 2017-08-04 | 2018-01-23 | 尹作军 | A kind of charging method and system based on consumption statistic |
| CN108596680A (en) * | 2018-05-02 | 2018-09-28 | 兰和园 | A kind of method for pushing based on block chain price |
| CN111260375A (en) * | 2019-11-26 | 2020-06-09 | 泰康保险集团股份有限公司 | Service processing method and device |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1971640A (en) * | 2005-11-21 | 2007-05-30 | 中国银联股份有限公司 | Method and system to realize automatically discount when using the bank card to consume |
-
2013
- 2013-05-17 CN CN2013101831474A patent/CN103246996A/en active Pending
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1971640A (en) * | 2005-11-21 | 2007-05-30 | 中国银联股份有限公司 | Method and system to realize automatically discount when using the bank card to consume |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105447699A (en) * | 2014-06-30 | 2016-03-30 | 阿里巴巴集团控股有限公司 | Data processing method and device |
| CN105447699B (en) * | 2014-06-30 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Data processing method and device |
| CN104376457A (en) * | 2014-09-26 | 2015-02-25 | 冯冀生 | Discount billing terminal, discount billing system and discount billing method |
| CN106296238A (en) * | 2015-05-20 | 2017-01-04 | 阿里巴巴集团控股有限公司 | Access the method for characteristic, extraction element, server |
| CN105488673A (en) * | 2015-12-03 | 2016-04-13 | 中国联合网络通信集团有限公司 | Electronic consumption method, device and system |
| CN105512882A (en) * | 2015-12-14 | 2016-04-20 | 中国银联股份有限公司 | HCE-based payment method and apparatus |
| CN106779931A (en) * | 2016-12-05 | 2017-05-31 | 携程旅游网络技术（上海）有限公司 | The product resource information control method and system at online ticket service center |
| CN107169790A (en) * | 2017-05-02 | 2017-09-15 | 交通银行股份有限公司 | A kind of discounting method, client, server, electronic equipment and discounting system |
| CN107622412A (en) * | 2017-08-04 | 2018-01-23 | 尹作军 | A kind of charging method and system based on consumption statistic |
| CN108596680A (en) * | 2018-05-02 | 2018-09-28 | 兰和园 | A kind of method for pushing based on block chain price |
| CN111260375A (en) * | 2019-11-26 | 2020-06-09 | 泰康保险集团股份有限公司 | Service processing method and device |
| CN111260375B (en) * | 2019-11-26 | 2023-09-26 | 泰康保险集团股份有限公司 | Service processing method and device |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103246996A (en) | Method, system, price enquiring system, terminal and checking system for realizing discount consumption | |
| WO2020156088A1 (en) | Blockchain-based information interaction method, blockchain node and credit reporting system | |
| US11245513B2 (en) | System and method for authorizing transactions in an authorized member network | |
| CN103413389B (en) | Based on bank account to non-banking account management and method of payment | |
| CN104050565B (en) | Intelligent payment system and its mobile terminal based on PBOC payment networks | |
| US20150058200A1 (en) | Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction | |
| CN108564353A (en) | Payment system based on block chain and method | |
| CN102117455A (en) | Mobile terminal browser-based secure payment method and system | |
| WO2020103559A1 (en) | Payment processing method for offline scenario, server, and readable storage medium | |
| WO2012098555A1 (en) | Direct carrier billing | |
| CN103812835A (en) | Public key algorithm based offline mode ID and transaction authentication method | |
| CN102364518A (en) | Payment system and payment method used for smart television online mall | |
| CN105743947B (en) | Resource sharing method and device | |
| CN103188238A (en) | Activation method and system of payment account | |
| CN104050567A (en) | Data interaction method under off-line mode, terminal and server | |
| CN102855559A (en) | Asynchronous terminal delivery transaction payment system and method | |
| CN101329793A (en) | Method and system for processing electric currency information | |
| CN106251145A (en) | Electronic fare payment system, electronic payment devices and electric paying method | |
| KR20150046805A (en) | Apparatus and method for issuing in connection with coupon usage information | |
| TW201426587A (en) | System for obtaining bill and providing payment based on identification and method thereof | |
| CN107944850A (en) | Fixed account dump method and device | |
| CN106886865A (en) | A kind of processing method and processing device, system for storing voucher | |
| CN106203976A (en) | Payment system based on same fund server and method of payment, device and server | |
| CN201993844U (en) | Mobile phone number payment platform and payment trade system | |
| CN107566287A (en) | The control method and device of message traffic |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20130814 |
|
| RJ01 | Rejection of invention patent application after publication |