CN103390320A - Method and system for processing integral data - Google Patents

Method and system for processing integral data Download PDF

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CN103390320A
CN103390320A CN 201210139343 CN201210139343A CN103390320A CN 103390320 A CN103390320 A CN 103390320A CN 201210139343 CN201210139343 CN 201210139343 CN 201210139343 A CN201210139343 A CN 201210139343A CN 103390320 A CN103390320 A CN 103390320A
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payment
transaction
amount
data
request
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CN 201210139343
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Chinese (zh)
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钱涛
刘杰
陈兵
沈小梅
闫光
李华峰
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中国银联股份有限公司
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Abstract

The invention provides a method for processing integral data. The method comprises the steps of receiving a first payment request including the first transaction amount from a payment terminal, determining the integral data relevant to a payment transaction according to the first payment request, generating a second payment request including the second transaction amount on the basis of the first payment request and the integral data, and transmitting the second payment request to a transaction processing platform, wherein the first payment request comprises payment account information of a user, and the integral data and the payment account information are stored in advance in a relevant mode. The invention further provides a system for processing the integral data.

Description

积分数据的处理方法及系统 Data processing method and system integration of

技术领域 FIELD

[0001] 本发明一般地涉及信息处理技术领域,并且具体地涉及积分数据的处理方法及系统。 [0001] The present invention relates generally to the field of information processing technology, and in particular to a method and system for integrated processing of data.

背景技术 Background technique

[0002] 诸如积分等形式的消费返利已经在人们的日常生活中司空见惯了。 [0002] such as consumer rebates and other forms of integration have become commonplace in people's daily lives. 从最早在航空业中将飞行里程兑换为免费机票开始,这已经成为培养忠诚客户的一种重要手段。 From the earliest flight in the airline industry mileage redeemed for free flights, which has become an important means to cultivate loyal customers. 这种策略的好处显而易见,不但能提高一个品牌的价值,同时能让消费者觉得自己的忠诚获得了回馈,是留住忠诚顾客最直接而有效的方法。 The benefits of this strategy are clear, not only can increase the value of a brand, while allowing consumers to feel that their loyalty gained back, to retain loyal customers is the most direct and effective way. 因此,这种方式被各行各业所普遍采用,尤其是在那些存在经常性消费可能的行业,如日用品零售、餐饮等。 Therefore, this approach is widely adopted in all walks of life, especially in those sectors frequent consumption may exist, such as daily necessities, retail, catering and so on.

[0003] 在一般的积分方案中,客户每消费规定的产品或服务都可获取一定的消费积分,在积分累计到一定数量,就可在未来换取诸如购物折扣、免费获赠商品或服务、抵扣消费金额,从而促进销售、维持市场地位、赢得竞争。 [0003] In a general integration scheme, the provision of customer every consumer product or service can get some bonus points, the points accumulated to a certain number, you can exchange such as shopping discounts in the future, receive a free goods or services against deducted the amount of consumption, so as to promote sales and maintain market position and win the competition. 随着应用类似积分的消费返利策略的商户越来越多,积分体系越来越复杂,如何保证积分规则的充分执行和灵活应用是各个商户所面临的一大难题。 As more and more consumer rebate business policies applied similar to the integration of more and more complex points system, how to ensure the full implementation of the rules and flexible application integration is a major problem faced by each merchant.

[0004]目前,各个商户通常会开发自己单独的积分管理系统,按照每个在该商户进行消费的顾客的身份标识来建立例如积分帐户,存储每个顾客的消费积分累积情况并且在一定的时期根据相应的规则允许顾客应用其所持有的积分。 [0004] Currently, various businesses often develop their own individual integration management system, to create points account, store each customer's consumption accumulated points such as situation and a certain period of time in accordance with each customer to consume in the merchant identity application integration allows customers to their holdings according to the appropriate rules. 例如,在顾客被允许使用积分来抵扣商品价格的情况下,需要首先在商户系统中计算出能够抵扣的金额,然后再根据顾客所购买商品的价格来手动地调整实际需要支付的金额,顾客按经调整后的金额进行支付。 For example, in the case where the customer is allowed to use points to offset commodity prices, we need to be able to calculate the deductible amount in the merchant system and then manually adjust the amount actually charged according to the price of goods purchased by customers, customers pay by the amount of the adjusted. 然而,这样的操作方式存在很大的弊端。 However, there are a lot of disadvantages such mode of operation. 首先,分离的积分计算将使得顾客的支付过程耗费更长的时间,运营效率降低,同时造成不良的用户体验。 First, the separation of integral calculation will make the customer payment process takes longer, lower operating efficiency, resulting in a poor user experience. 其次,调整交易金额时的手动操作费时费力并且容易出现误差。 Secondly, manually adjust the amount of the transaction when the operating time-consuming and prone to errors. 另外,由商户自身的系统管理积分也容易使得积分的使用及更新情况对顾客不透明,从而引起不必要的误会。 In addition, the merchant system management integration itself is also easy to use and allows integration of customer updates opaque, causing unnecessary misunderstanding. 商户在赠予积分的同时,经常会向顾客提供会员卡作为查询和积分消费的工具,这又增加了顾客的负担。 While the integration of business gifts, often provide customers with membership cards as a tool for querying and integrating consumption, which in turn increases the burden on customers.

[0005] 因此,对于能够使得顾客方便灵活地使用和管理积分的系统和方法有很大的需求。 [0005] Thus, the customer can make for convenient and flexible to use and manage the integration of systems and methods are in great demand.

发明内容 SUMMARY

[0006] 本发明的目的是提供一种能够使顾客在消费的同时便利地享受商户的消费积分优惠措施的方法和系统。 [0006] The present invention is to provide a solution that provides customers a convenient way to enjoy business incentives and bonus points system at the same time consumption.

[0007] 为实现上述目的,本发明提供了一种积分数据的处理方法,所述方法包括:从支付终端接收包含第一交易金额的第一支付请求;根据所述第一支付请求确定与所述支付交易相关的积分数据;基于所述第一支付请求和所述积分数据生成包含第二交易金额的第二支付请求;以及将所述第二支付请求传送至交易处理平台,其中所述第一支付请求还包含用户的支付帐户信息,并且所述积分数据预先与所述支付帐户信息关联地被存储。 [0007] To achieve the above object, the present invention provides a method for processing the credit data, the method comprising: receiving from the payment terminal a first request comprising a first payment transaction amount; determining the request according to the first payment said integrated data related to the transaction payment; payment request based on the first data and the integrator generates a second request for a second payment transaction amount; and the second payment request is transmitted to the transaction processing platform, wherein the first a payment request further comprises user payment account information, and the credit data previously associated with the payment account information are stored. [0008] 优选地,生成包含第二交易金额的第二支付请求包括:基于所述积分数据来调整所述第一交易金额以得到所述第二交易金额;将所述第二交易金额存储在所述第一交易请求报文的交易金额域中;并且将所述第一交易金额存储在所述第一交易请求报文的保留域中。 Second payment [0008] Preferably, generates a second transaction request amount comprises: adjusting the first transaction amount based on the integrated data to obtain the second transaction amount; the transaction amount is stored in the second the first transaction request packet transaction amount field; and the first transaction amount stored in said first transaction request message retention domain.

[0009] 优选地,所述积分数据预先与所述支付帐户信息关联地被存储包括使所述支付帐户信息与所述用户在每个支持所述支付帐户的商户中的积分数据关联。 [0009] Preferably, the integrated data associated in advance with the payment account information are stored including the payment account information associated with the integrated data to the merchant payment account of the user in each of the support.

[0010] 优选地,所述积分数据包括商户积分数额和商户积分规则。 [0010] Preferably, the integrated data integration amount including business rules and business integration.

[0011] 在本发明的另一些实施例中,基于所述积分数据来调整所述第一交易金额包括:根据商户积分规则确定商户积分数额的抵扣金额;并且从所述第一交易金额中减去所述抵扣金额。 [0011] In other embodiments of the present invention, the first transaction amount is adjusted based on the integrated data comprises: determining the amount of offset in accordance with the integral amount business merchant integration rule; and the transaction amount from the first minus the deductible amount.

[0012] 优选地,所述方法还包括在从所述交易处理平台收到支付交易成功应答之后更新所述积分数据。 [0012] Preferably, the method further comprises updating said received credit data after a successful payment transaction response from the transaction processing platform.

[0013] 优选地,更新所述积分数据包括根据商户积分规则增加或者减去商户积分数额。 [0013] Preferably, the updating data comprises adding or subtracting the integrated amount integrated merchant The merchant integration rule.

[0014] 优选地,所述方法还包括将更新的积分数额存储在所述支付交易成功应答报文的保留域中。 [0014] Preferably, the method further includes storing the updated integral amount of the payment transaction in the successful retention domain response packet.

[0015] 优选地,所述积分数据预先与所述支付帐户信息关联地被存储还包括在没有支付请求的情况下周期性地与所述支付帐户的管理系统进行通信以更新所述积分数据。 [0015] Preferably, the integrated data associated in advance with the payment account information are stored further comprises periodically communicating with the payment account management system in the absence of the payment request to update the integrated data.

[0016] 在本发明的一些实施例中,所述支付帐户为用户的银行帐户,并且所述支付帐户信息为用户的银行卡号。 [0016] In some embodiments of the present invention, the payment account for the user's bank account, and the payment account information for the user's bank card number.

[0017] 在本发明的一些实施例中,所述支付终端为POS终端或者在线交易客户端。 [0017] In some embodiments of the present invention, the payment terminal is a POS terminal or a client online transactions.

[0018] 本发明还提供了一种积分数据的处理系统,所述系统包括:支付终端,其被配置用于发起包含第一交易金额的第一支付请求;积分数据处理平台,其被配置用于根据所述第一支付请求确定与所述支付交易相关的积分数据;并且基于所述第一支付请求和所述积分数据生成包含第二交易金额的第二支付请求;以及交易处理平台,其被配置用于从所述积分数据处理平台接收所述第二支付请求并且根据所述第二支付请求完成所述支付交易;其中所述第一支付请求还包含用户的支付帐户信息,并且所述积分数据预先与所述支付帐户信息关联地被存储。 [0018] The present invention further provides a system for processing the credit data, the system comprising: a payment terminal, which is configured to initiate a first request comprising a first payment transaction amount; integral data processing platform, which is configured with the first payment request to the payment determined with the integration of transaction-related data; and generating a second request containing second payment transaction amount based on the first request and payment of the integrated data; and a transaction processing platform, which is configured from the integrated data processing platform receives the payment request and the second request is completed in accordance with the second payment of the payment transaction; wherein said first payment request further comprises user payment account information, and the credit data previously associated with the payment account information are stored.

[0019] 与现有技术相比,本发明消除了由于在不同商户进行消费时需要单独额外地处理诸如积分的商户返利信息所带来的繁琐过程,并且使得商户对于积分数据的管理更加简便和有序,成本低廉并且处理效率高。 [0019] Compared with the prior art, the present invention eliminates the tedious process due to the need to additionally separate merchant processing such as information regarding the points rebate when consumption caused by different merchants, the merchant and makes data management easier for the integration and orderly, low cost and high efficiency. 本发明充分利用了商户交易过程中已广泛被采用的银行交易网络,并且在商户端以及在各种银行卡的发卡行端均不需要做任何硬件上的改动,大大减少了开发成本和维护成本,同时对整个现有交易处理网络的影响很小。 The present invention takes full advantage of the merchant banking transaction network transaction process has been widely adopted, and at the end of the business as well as in a variety of end issuer of bank cards do not require any changes to the hardware, greatly reducing development costs and maintenance costs while little impact on the entire existing transaction processing network.

附图说明 BRIEF DESCRIPTION

[0020] 本发明的前述和其他目标、特征和优点根据下面对本发明的实施例的更具体的说明将是显而易见的,这些实施例在附图中被示意。 [0020] The foregoing and other objects, features and advantages of the following more particular description of embodiments of the present invention will be apparent that these embodiments are illustrated in the accompanying drawings.

[0021] 图1示意性地示出了根据本发明的积分数据处理系统的一个实施例的结构。 [0021] FIG. 1 schematically shows the structure of an embodiment of the integrated data processing system according to the present invention.

[0022] 图2示意性地示出了根据本发明的积分数据处理方法的一个实施例的流程图。 [0022] FIG. 2 schematically illustrates a flowchart of an embodiment of a data integration processing method of the present invention. 具体实施方式 detailed description

[0023] 以下结合附图和具体实施方式进一步详细说明本发明。 [0023] The present invention is hereinafter described in further detail in conjunction with accompanying drawings and specific embodiments. 需要说明的是,附图中的各结构只是示意性说明,用以使本领域普通技术人员最佳地理解本发明的原理,其不一定按比例绘制。 Incidentally, the respective structures in the figures are schematic illustration for those of ordinary skill in the art that the best understanding of the principles of the present invention, which are not necessarily drawn to scale.

[0024] 图1示意性地示出了根据本发明的积分数据处理系统的一个实施例的结构。 [0024] FIG. 1 schematically shows the structure of an embodiment of the integrated data processing system according to the present invention. 在图1所示的实施例中,以POS终端支付场景为例来描述本发明所提供的积分处理系统,但应理解的是这仅是示意性的,而不是限制性的。 In the embodiment illustrated in Figure 1, the POS terminal payment scenario as an example to be described integration processing system of the present invention is provided, it should be understood that this is merely illustrative, and not restrictive.

[0025] 在图1所示的实施例中,本发明的积分数据处理系统包括POS终端101以及POS前置系统102,这可以直接利用目前各商户中现有的POS终端以及相应的POS前置系统来实现。 [0025] In the embodiment illustrated in Figure 1, integrated data processing system according to the present invention comprises a POS 101 and POS terminal front-end system 102, which present the merchant can directly use the existing POS POS terminals and the corresponding pre- The system is implemented. 在实践中,图1中的POS终端101例如可以被配置为允许顾客选择是否在本次交易中享受积分优惠,比如说是否通过已有的积分来抵扣一定的交易金额。 In practice, POS terminal 101 in Figure 1 can be configured to allow customers to choose whether to enjoy bonus points in this transaction, such as whether to offset a certain amount of the transaction through existing points. 在这种情况下,商户的收银员仅需向POS终端输入顾客需要支付的全款金额并且根据顾客的指示选择是否使用积分。 In this case, businesses cashier simply enter the amount the customer the full amount to be paid to whether the use of POS terminals and integration according to customer's instructions to select. 在使用积分抵扣消费金额的情况下,则POS终端101还可以被配置为在交易完成后向顾客显示其实际支付的金额、剩余积分数额等信息。 In the case of integral deductible amount of consumption, the POS terminal 101 can also be configured to display the actual amount paid, the remaining amount of points and other information to customers after the transaction is completed.

[0026] POS前置系统102仍然大体上按照现有的规范或标准来进行报文转换、报文的加解密处理、通讯协议转换等操作。 [0026] POS system 102 remains substantially in accordance with the pre-existing standards or specifications for packet conversion, message encryption and decryption, protocol conversion and other operations. 另外,其还可以被配置为向后端处理平台发送与如何在本次交易中处理积分数据有关的指令信号。 Further, it may also be configured to transmit command signals related to how to handle the credit data in the transaction processing in the backend platform. 后端处理平台可以例如由该指令触发而在最终支付之前根据积分数额调整交易金额,或者其也可以在收到来自POS前置系统102的报文时首先自动进行积分数据处理。 Back-end processing platform transaction amount can be adjusted according to the amount of points before the final payment, or it can also automatically integrates data processing upon receipt of the message from the POS front-end system 102 first, for example triggered by the instruction.

[0027] 如图1所示,上文所提到的后端处理平台包括了积分数据处理平台103以及交易处理平台105,其中交易处理平台105可以是现有银行系统的跨行交易处理平台。 [0027] 1, the above-mentioned back-end processing platform includes a data integration processing transaction processing platform 103 and platform 105, wherein the transaction processing platform 105 may be a conventional internet banking interbank transaction processing systems. 本领域的技术人员应理解的是,虽然积分数据处理平台103与交易处理平台105在图1中被示出为两个相互独立的部分,但它们也可以集成在一起来实现。 Those skilled in the art will appreciate that, although the integrated data processing platform 103 and the transaction processing platform 105 is shown as two mutually separate parts in FIG. 1, but they may be integrated together to achieve. 如图1所示,积分数据处理平台103可以被实现为与交易处理平台105通过局域网进行数据交互,但这不是限制性的。 1, the integrated data processing platform 103 may be implemented to exchange data with the transaction processing platform 105 via a LAN, this is not limitative.

[0028] 在实践中,积分数据处理平台103与POS前置系统102之间的数据传送可以通过诸如移动数据网络、光纤、电话线等任何有线或无线的方式。 [0028] In practice, the integrated data processing platform 103 and the data transfer between the front-end system 102 POS may be any wired or wireless manner, such as by a mobile data network, fiber, telephone lines. 大体上,在收到来自POS前置系统102的支付请求时,积分数据处理平台103会对该报文进行解析并且对相应的积分数据进行处理,这将在下文中结合图2来详细描述。 In general, when the pre-payment request is received from the POS system 102, integrated data processing platform 103 will parse the message and the corresponding data integration process, which will be described in detail in conjunction with FIG. 2 below. 交易处理平台105将以来自积分数据处理平台103的经修正的支付请求作为最终进行支付交易的依据。 Payment transaction processing platform 105 will come from the integration of data processing platform 103 of the amended request basis for final payment transactions. 以跨行交易处理平台为例,其可以将从积分数据处理平台103得到的诸如交易金额等信息再传送至每个对应的银行的系统。 With interbank transaction processing platform as an example, it may be from the integration of data processing platform 103 to obtain information such as the amount of the transaction and other longer be sent to each corresponding banking system.

[0029] 图1还示出了与积分数据处理平台103关联的Web服务器104,其可以被配置用于存储海量数据。 [0029] FIG 1 further shows a correlation integral data processing platform 103. Web server 104, which may be configured to store mass data. 为了在支付交易中集中统一地灵活应用和管理各个商户的积分,本发明的一个重要方面是将各个商户的积分信息预先与顾客的支付帐户信息关联地存储。 For centralized management and flexible application integration to various businesses in the payment transaction, an important aspect of the invention is the integration of information related information of each merchant advance with the customer's payment account stored. 在图1的实施例中,即将顾客的银行账户信息与其在各个商户中的积分数据关联地存储。 In the embodiment of FIG. 1, i.e. customer's bank account information associated therewith is stored in the respective data points to the merchant. 银行账户信息可以包括顾客所持有的各个银行的银行卡号,而商户的积分信息可以包括顾客在该商户中的积分数额以及该商户的积分规则,诸如多少积分能够被用于抵扣多少金额等。 Bank account information may include customer held by each bank bank card number, the merchant and credit information may include customer and integration level of integration in the rules of the merchant in the merchant, such as how much credit can be used to offset the amount of money, etc. . 以这种方式,每个银行账户与支持该账户的所有商户的积分数据对应地被存储在Web服务器104中,而积分数据处理平台103可以用支付账户信息,例如银行卡号为索引从Web服务器中找到顾客在发生交易的商户中的积分数据并且进行后续的处理。 In this manner, each of the bank account to support all merchant account credit data are stored corresponding to the Web server 104, the data processing platform 103 may be integral with the payment account information, such as bank card number as an index from the Web server find the customer data integration in business transactions occurred and in subsequent processing. 另外,积分数据处理平台103还可以被配置用于对Web服务器104中所存储的积分数据进行更新。 Further, the integral data processing platform 103 may also be configured for integrated data 104 stored in the Web server is updated. 本领域的技术人员应理解,该Web服务器仅是示意性的,用于关联存储支付账户信息和积分数据的装置可以任何形式来实现并且被包括在积分数据处理平台103之内。 Those skilled in the art will appreciate that the Web server is merely exemplary, storage means for associating payment account information and credit data may be implemented in any form and included in the integration of data processing platform 103.

[0030] 如今,银行卡已成为人们消费时最常用的支付工具,其通过各种电子支付渠道与银行的帐户取得联系,然后经过授权、确认等步骤完成交易。 [0030] Today, bank card consumption as people have become the most commonly used payment tool to get in touch through a variety of electronic payment channels and bank account and authorized to confirm other steps to complete the transaction. 为了促进银行卡业务的拓展和大规模的市场应用,银行机构积极地发展各种受理渠道,不断推出更多易于使用的终端、更快的通讯以及更灵活的交易处理环境,从而为用户提供更好的服务和更方便的消费。 In order to promote the development and application of large-scale market bank card business, banks actively develop various acceptance channels, has introduced a terminal more easy to use, faster communication and more flexible transaction processing environments, providing users with more good service and more convenient consumption. 当前已有多种受理渠道,诸如POS机、电话支付、网上支付、手机支付等等,并且新的电子支付渠道还在不断的涌现。 Currently has a variety of acceptance channels, such as POS machines, phone payment, online payment, mobile payment, etc., and new electronic payment channels also continued to emerge. 通过将诸如银行账户的用户支付账户与各类商户的积分数据关联,本发明所提供的积分数据处理系统可以适用于包括POS终端在内的各种支付渠道,而不需要对现有的系统进行显著的改变。 By integrating data associated with a user such as a bank account payment account with various merchants, integrated data processing system according to the present invention may be provided for a variety of payment sources including POS terminals, including, without requiring the existing systems significant changes. 以实现适于网上支付的积分数据处理系统为例,仅需要将图1中的POS终端及POS前置系统替换为诸如个人计算机、个人数字助理等在线支付终端,而积分数据处理平台103可以被配置为对诸如以XML联机报文形式的支付请求进行与对来自POS终端的支付请求进行类似处理,从而容易地实现积分数据在通过各种渠道的商户交易中的灵活及方便的应用。 In a data processing system adapted to implement the integration of online payment, for example, only necessary to replace the terminals in FIG. 1 POS and POS terminal Pre online payment system such as a personal computer, a personal digital assistant, a data processing and integration platform 103 may be configured as a flexible and convenient application for payment requests, such as in the form of XML messages online with payment requests from POS terminals were treated similarly to easily achieve the integration of data through various channels of business transactions. 下面结合图2来详细说明可以在诸如积分数据处理平台103上实现的、本发明所提供的积分数据处理方法。 The following integration data processing method may be implemented on a data processing platform such as an integrator 103, provided by the present invention described in detail in conjunction with FIG.

[0031] 图2示意性地示出了根据本发明的积分数据处理方法的一个实施例的流程图。 [0031] FIG. 2 schematically illustrates a flowchart of an embodiment of a data integration processing method of the present invention. 首先,在步骤S201中,诸如积分数据处理平台103的设备从支付终端接收包含第一交易金额的第一支付请求。 First, in step S201, the integrated data processing platform such as device 103 receives a first request comprising a first payment transaction amount from the payment terminal. 如上所述,支付终端可以例如是POS终端及其前置系统或者是诸如个人计算机的在线支付终端。 As described above, the payment terminal may, for example, online payment terminal and the POS terminal, such as a front-end system or a personal computer. 相应地,所述第一支付请求可以例如采用POS报文格式或者XML联机报文格式。 Accordingly, the first request may e.g. using POS payment message format or XML message format online. 所述第一交易金额可以例如是用户需要支付的全款金额。 The first transaction amount may be, for example, the amount of the full amount you need to pay.

[0032] 在步骤S203中,根据第一支付请求确定积分数据。 [0032] In step S203, it is determined in accordance with a first payment request credit data. 以图1所示的情形为例,积分数据处理平台103在收到来自POS前置系统的第一支付请求之后将对其进行解析。 In the case of an example shown in FIG. 1, the integrated data processing platform 103 to parse after receiving the payment request from the POS first front system. 一般而言,这样的支付请求通常包括用户在支付时的支付账户信息,并且还包括发生支付交易的商户信息,诸如商户号。 In general, such a payment request often include user payment account information at the time of payment, and business information also includes payment transaction occurs, such as a business number. 如在上文中所描述的那样,在本发明的实现中必须预先将用户在该商户中的积分信息与其所使用的支付帐户信息关联地存储。 As hereinbefore described, must be pre-paid account information in the user points to the merchant in which it is used in the implementation of the present invention, information stored in association. 由此,积分数据处理平台103在从第一支付请求中解析出交易金额、诸如银行卡号的支付账户信息以及商户号之后,能够根据这些信息找到所需要的积分数据,其中例如包括用户在发生交易的商户中已有的积分数额以及由该商户设定的积分规则。 Thus, integrated data processing platform 103 after parsing the transaction amount from the first payment request, the merchant and the payment account information such as bank card number, it is possible according to the information needed to find the integrated data, including for example a user transaction occurs integral amount of businesses already set by the merchant and integration rules. 所述积分规则可以包括积分如何抵扣交易金额、如何根据消费金额进行积分累加等等。 The integration points deduction rules may include how the transaction amount, how to accumulate points based on the amount of consumption and so on. 为了使得本发明所提供的积分数据处理系统能够更广泛地被应用,可以将用户所使用的支付账户信息,例如某个银行账户对应的银行卡号与该用户在支持该账户的所有商户中的各种积分数据都关联起来。 In order to make integrated data processing system according to the present invention, provided can be more widely applied, payment account information may be used by the user, for example, a bank account corresponding to the card number to the user in the account to support all businesses in each integral data types are associated.

[0033] 在步骤S205中,通过解析第一支付请求而得到积分信息或积分数据之后,处理平台103将生成包含第二交易金额的第二支付信息。 [0033] In step S205, or after the point information obtained by parsing the data integrating a first payment request, the second processing platform 103 generates a second transaction information including the payment amount. 在一些实施例中,处理平台103可以例如依据商户积分规则来确定用户现有的积分数额能够抵扣的金额。 In some embodiments, the processing platform 103 may, for example, based on the amount of business rules to determine the existing integral points deduction amount user can. 进而,在所述第一交易金额中减去该抵扣的金额来得到第二交易金额,通常也就是用户实际需要支付的金额。 Furthermore, the amount minus the deductible amount in the first transaction in the second to get the transaction amount, usually the amount that the user actually charged. 基于所述积分数据来调整所述第一交易金额以得到所述第二交易金额主要遵照每个商户的特定积分规则,可以是如上所述的用积分抵扣,也有可能是依据积分数额的大小向用户给予一定的折扣,视具体情况而定。 The first transaction amount is adjusted based on the integral data to obtain the second major transaction amount in accordance with specific rules for each integration business may be deductible as described above with integration, is also possible that the amount of points based on the size of give a discount to the user, as the case may be.

[0034] 在确定第二交易金额之后,积分数据处理平台103将生成第二支付请求。 [0034] After determining the amount of the second transaction, the integrated data processing platform 103 generates a second payment request. 优选地,其可以被配置为将所述第二交易金额存储在所述第一交易请求的报文的交易金额域中,以便后续的交易处理平台能够大体上在不改变原有报文解析流程的情况下来识别第二支付请求。 Preferably, it may be configured to the second packet transaction amount stored in the first field of the transaction request transaction amount for subsequent transaction processing platform without substantially changing the original message parsing process identifying the second case down payment request. 另外,优选地还可以将例如全款交易金额的第一交易金额存储在第一交易请求的报文的保留域中,从而既保留原始的报文信息,又能够使后续的交易处理平台容易地分辨经过积分数据处理之后的实际交易金额。 Further, preferably, for example, packets may also be reserved in the first domain of a first transaction request transaction amount memory full amount of the transaction amount, which not only preserves the original message information, while enabling the subsequent transaction processing platform easily after resolving the actual amount of the transaction after the integration of data processing. 这样的处理可以实现对目前已有的交易系统做出的改变尽可能小,同时保证其改变前后的功能性一致。 Such treatment may effect a change of the already existing trading systems made as small as possible, while ensuring the functionality of the same before and after its change.

[0035] 在步骤S207中,积分数据处理平台将其生成的第二支付请求发送至交易支付平台。 [0035] In step S207, the integrated data processing platform which generates a second payment transaction payment request to the internet. 在一些实施例中,银行系统的现有跨行交易处理平台可以被配置为将包含在第二支付请求中的第二交易金额作为最终的交易金额传送给相应的支付银行。 In some embodiments, the existing banking system inter-bank transaction processing platform may be configured as a second transaction amount contained in the second payment request is transmitted to the corresponding bank payment as the final transaction amount. 对于各个实际缴费银行而言,其操作不会发生任何变化。 For each actual payment bank, its operation will not be any change. 按照一般的处理流程,交易处理平台在支付成功之后将向支付终端返回指示成功支付的应答。 As a general process flow, transaction processing platform after successful payment to be paid to the answering terminal returned indicating success payment. 然而,在本发明所提供的方法和系统中,该应答将首先被回送至积分数据处理平台。 However, the method and system of the present invention is provided, the response will be returned to the first integrated data processing platform. 在收到成功应答之后,积分数据处理平台优选地可以被配置为对积分数据进行更新,这可以包括根据商户积分规则相应地增加或减去用户在该商户中的积分数额。 After receiving the success response, the integral data processing platform may preferably be configured to update the credit data, which may include a corresponding number of points a user to add or subtract the merchant in the merchant in accordance with the rules of integration. 当然,在积分数据处理平台与交易处理平台集成的实施例中,交易处理平台可以直接更新相应的积分数据。 Of course, in the integrated data processing platform integrated with the transaction processing platform embodiment, transaction processing platform may directly update the corresponding data points. 另外,还可以在向支付终端传送成功应答之前将例如更新的积分数额存储在所述支付交易成功应答报文的保留域中,并且将带有积分数额的成功应答返回给支付终端以向用户显示,从而使用户了解在整个交易完成之后其所支付的实际金额以及其当前所拥有的该商户的积分数额。 In addition, for example, can also be updated before a successful response terminal transmits the payment to the amount stored in the integral reserved domain of the successful payment transaction response message, and the amount of success with integrating the response back to the payment terminal to display to the user so that users understand the actual amount after the entire completion of the transaction and the amount they paid for the integration of its businesses currently have. 在采用POS终端的实施例中,所述交易报文以及应答报文可以例如是符合IS08583规范的报文。 In an embodiment employed in the POS terminal, the transaction response message, and the message may be, for example, it is in line with IS08583 standard packets.

[0036] 优选地,所述积分数据预先与所述支付帐户信息关联地被存储还包括在没有支付请求的情况下周期性地与所述支付帐户的管理系统进行通信以更新所述积分数据。 [0036] Preferably, the integrated data associated in advance with the payment account information are stored further comprises periodically communicating with the payment account management system in the absence of the payment request to update the integrated data.

[0037] 应当说明的是,以上具体实施方式仅用以说明本发明的技术方案而非对其进行限制。 [0037] It should be noted that the above specific embodiments are intended to illustrate the present invention without limiting it. 尽管参照上述具体实施方式对本发明进行了详细的说明,本领域的普通技术人员应当理解,依然可以对本发明的具体实施方式进行修改或对部分技术特征进行等同替换而不脱离本发明的实质,其均涵盖在本发明请求保护的范围中。 While the invention has been described in detail with reference to the above specific embodiments, those of ordinary skill in the art should be understood, modifications can be made to the specific embodiments of the present invention or to some technical features equivalent replacements without departing from the spirit of the present invention, It is encompassed within the scope of the claimed invention.

Claims (22)

  1. 1.一种积分数据的处理方法,其特征在于,所述方法包括: 从支付终端接收包含第一交易金额的第一支付请求; 根据所述第一支付请求确定与所述支付交易相关的积分数据; 基于所述第一支付请求和所述积分数据生成包含第二交易金额的第二支付请求;以及将所述第二支付请求传送至交易处理平台, 其中所述第一支付请求还包含用户的支付帐户信息,并且所述积分数据预先与所述支付帐户信息关联地被存储。 1. A data processing method of the integrator, characterized in that the method comprises: receiving from the payment terminal a first request comprising a first payment transaction amount; determining points related to the payment transaction payment request according to the first transactions; payment request based on the first data and the integrator generates a second request for a second payment transaction amount; and the second payment request is transmitted to the transaction processing platform, wherein the first request further comprises user payment the payment account information, and the integrated data with the pre-paid account associated information are stored.
  2. 2.如权利要求1所述的方法,其特征在于,生成包含第二交易金额的第二支付请求包括: 基于所述积分数据来调整所述第一交易金额以得到所述第二交易金额; 将所述第二交易金额存储在所述第一交易请求报文的交易金额域中;并且将所述第一交易金额存储在所述第一交易请求报文的保留域中。 2. The method according to claim 1, characterized in that the second transaction generates a second payment request amount comprises: adjusting the first transaction amount based on the integrated data to obtain the second transaction amount; the first transaction in the request packet of the second transaction amount field stores the transaction amount; and the first transaction amount stored in said first transaction request message retention domain.
  3. 3.如权利要求2所述的方法,其特征在于,所述积分数据预先与所述支付帐户信息关联地被存储包括使所述支付帐户信息与所述用户在每个支持所述支付帐户的商户中的积分数据关联。 3. The method according to claim 2, wherein said integrating data previously associated with the payment account information are stored including the payment account information of the user of the payment account in each support data associated with the integration of the business.
  4. 4.如权利要求3所述的方法,其特征在于,所述积分数据包括商户积分数额和商户积分规则。 4. The method according to claim 3, wherein said integrating data integration amount including business rules and business integration.
  5. 5.如权利要求4所述的方法,其特征在于,基于所述积分数据来调整所述第一交易金额包括: 根据商户积分规则确定商户积分数额的抵扣金额;并且从所述第一交易金额中减去所述抵扣金额。 5. The method according to claim 4, wherein said credit data is adjusted based on the first transaction amount comprises: determining the amount of offset in accordance with the integral amount business merchant integration rule; and transactions from the first subtracting the amount of the deductible amount.
  6. 6.如权利要求5所述的方法,其特征在于,所述方法还包括在从所述交易处理平台收到支付交易成功应答之后更新所述积分数据。 6. The method according to claim 5, characterized in that the method further comprises updating said credit data in the payment transaction after a successful response is received from the transaction processing platform.
  7. 7.如权利要求6所述的方法,其特征在于,更新所述积分数据包括根据商户积分规则增加或者减去商户积分数额。 7. The method according to claim 6, wherein said update data comprises adding or subtracting the integrated amount integrated merchant The merchant integration rule.
  8. 8.如权利要求7所述的方法,其特征在于,所述方法还包括将更新的积分数额存储在所述支付交易成功应答报文的保留域中。 8. The method according to claim 7, wherein said method further comprises updating the integral amount of the payment transaction is stored in the success response message retention domain.
  9. 9.如权利要求1所述的方法,其特征在于,所述积分数据预先与所述支付帐户信息关联地被存储还包括在没有支付请求的情况下周期性地与所述支付帐户的管理系统进行通信以更新所述积分数据。 9. The method according to claim 1, wherein said integrating data previously associated with the payment account information are stored further comprises periodically with the payment account management system in the absence of the payment request communicating data to update the integration.
  10. 10.如权利要求1所述的方法,其特征在于,所述支付帐户为用户的银行帐户,并且所述支付帐户信息为用户的银行卡号。 10. The method according to claim 1, characterized in that said payment account for the user's bank account, and the payment account information for the user's bank card number.
  11. 11.如权利要求1所述的方法,其特征在于,所述支付终端为POS终端或者在线交易客户端。 11. The method according to claim 1, characterized in that the payment terminal is a POS terminal or a client online transactions.
  12. 12.—种积分数据的处理系统,其特征在于,所述系统包括: 支付终端,其被配置用于发起包含第一交易金额的第一支付请求; 积分数据处理平台,其被配置用于根据所述第一支付请求确定与所述支付交易相关的积分数据;并且基于所述第一支付请求和所述积分数据生成包含第二交易金额的第二支付请求;以及交易处理平台,其被配置用于从所述积分数据处理平台接收所述第二支付请求并且根据所述第二支付请求完成所述支付交易; 其中所述第一支付请求还包含用户的支付帐户信息,并且所述积分数据预先与所述支付帐户信息关联地被存储。 12.- kinds of credit data processing system, wherein, said system comprising: a payment terminal, which is configured to initiate a first request comprising a first payment transaction amount; integral data processing platform, which is configured in accordance with the first payment of the payment request determining integrated data related to the transaction; payment request and based on the first data and the integrator generates a second request for a second payment transaction amount; and a transaction processing platform configured from said integrated data processing platform receives the payment request and the second request is completed in accordance with the second payment of the payment transaction; wherein said first payment request further comprises user payment account information, and the integrated data the advance payment and associated account information are stored.
  13. 13.如权利要求11所述的系统,其特征在于,生成包含第二交易金额的第二支付请求包括: 基于所述积分数据来调整所述第一交易金额以得到所述第二交易金额; 将所述第二交易金额存储在所述第一交易请求报文的交易金额域中;并且将所述第一交易金额存储在所述第一交易请求报文的保留域中。 13. The system of claim 11, wherein the second transaction generates a second payment request amount comprises: adjusting the first transaction amount based on the integrated data to obtain the second transaction amount; the first transaction in the request packet of the second transaction amount field stores the transaction amount; and the first transaction amount stored in said first transaction request message retention domain.
  14. 14.如权利要求13所述的系统,其特征在于,所述积分数据预先与所述支付帐户信息关联地被存储包括使所述支付帐户信息与所述用户在每个支持所述支付帐户的商户中的积分数据关联。 14. The system according to claim 13, wherein said integrating data previously associated with the payment account information are stored including the payment account information of the user of the payment account in each support data associated with the integration of the business.
  15. 15.如权利要求14所述的系统,其特征在于,所述积分数据包括商户积分数额和商户积分规则。 15. The system according to claim 14, wherein said integrating data integration amount including business rules and business integration.
  16. 16.如权利要求15所述的系统,其特征在于,基于所述积分数据来调整所述第一交易金额包括: 根据商户积分规则确定商户积分数额的抵扣金额;并且从所述第一交易金额中减去所述抵扣金额。 16. The system according to claim 15, wherein said credit data is adjusted based on the first transaction amount comprises: determining the amount of offset in accordance with the integral amount business merchant integration rule; and transactions from the first subtracting the amount of the deductible amount.
  17. 17.如权利要求16所述的系统,其特征在于,所述积分数据处理平台还被配置用于在从所述交易处理平台收到支付交易成功应答之后更新所述积分数据。 17. The system according to claim 16, wherein the integrated data processing platform is further configured for updating the data after integration successful payment transaction response received from the transaction processing platform.
  18. 18.如权利要求17所述的系统,其特征在于,更新所述积分数据包括根据商户积分规则增加或者减去商户积分数额。 18. The system according to claim 17, wherein said updating comprises adding or subtracting the integrated amount of data integration business rules in accordance with the business integration.
  19. 19.如权利要求18所述的方法,其特征在于,所述积分数据处理平台还被配置用于将更新的积分数额存储在所述支付交易成功应答报文的保留域中并且将带有更新的积分数额的支付交易成功应答传送给所述交易终端。 19. The method according to claim 18, wherein the integrated data processing platform is further configured to update the reserved domain integral of the amount stored in the payment transaction success response message with the updated and the amount of the payment transaction integration success response is transmitted to the transaction terminal.
  20. 20.如权利要求12所述的系统,其特征在于,所述积分数据预先与所述支付帐户信息关联地被存储还包括在没有支付请求的情况下周期性地与所述支付帐户的管理系统进行通信以更新所述积分数据。 20. The system of claim 12, wherein said integrating data previously associated with the payment account information are stored further comprises periodically with the payment account management system in the absence of the payment request communicating data to update the integration.
  21. 21.如权利要求12所述的系统,其特征在于,所述支付帐户为用户的银行帐户,并且所述支付帐户信息为用户的银行卡号。 21. The system of claim 12, wherein the payment account for the user's bank account, and the payment account information for the user's bank card number.
  22. 22.如权利要求12所述的系统,其特征在于,所述支付终端为POS终端或者在线交易客户端。 22. The system of claim 12, wherein the payment terminal is a POS terminal or a client online transactions.
CN 201210139343 2012-05-08 2012-05-08 Method and system for processing integral data CN103390320A (en)

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