CN104680672A - Data processing method - Google Patents
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- CN104680672A CN104680672A CN201510101383.6A CN201510101383A CN104680672A CN 104680672 A CN104680672 A CN 104680672A CN 201510101383 A CN201510101383 A CN 201510101383A CN 104680672 A CN104680672 A CN 104680672A
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Abstract
The invention discloses a data processing method, which comprises the steps of receiving a data processing request message, wherein the data processing request message carries a first numerical value, an identifier corresponding to the first numerical value, the type of the first numerical value and a first rule used for processing the first numerical value; determining various numerical values recorded in the stored data according to the identifier corresponding to the first numerical value; after the various numerical values and the first numerical value are converted into numerical values with the same type according to the recorded types of the various numerical value and default rules, processing the numerical values meeting the processing demands of the first rule according to the first rule. According to the data processing method, numerical values with different types can be processed and the method is not limited to process the numerical values with the same type and is especially suitable for numerical value processing in financial institutions.
Description
Technical field
The present invention relates to technical field of data processing, particularly relate to data processing method.
Background technology
Credit card (Credit Card), is credit card again, and being the mode of a kind of non-cash transaction payment, is simple credit service.Credit card is generally long 85.60 millimeters, wide 53.98 millimeters, thick 1 millimeter the tailor-made vehicles plastic cards with consumer credit; Bank to individual and unit distribution, whereby to the shopping of contributing unit, to consume and to bank access cash, its form is that a front is printed on the contents such as issuing bank's title, the term of validity, number, holder name, and there are magnetic stripe, signature strip in the back side.Credit card issues holder by bank or credit card company according to the credit rating of user and financial resources, need not cash payment when holder holds credit card purchase, refunds until bill day (Billing Date) time again.Credit card is divided into credit card and accurate credit card, that credit card refers to issued by banks and give the certain credit line of holder, holder can first consume the credit card of refunding afterwards in credit line; Accurate credit card refers to issued by banks, and holder deposits the revolving fund of certain amount of money on request, when revolving fund account balance deficiency pays, and the accurate credit card can overdrawed in the credit line of regulation.Said credit card, generally singly refers to credit card.
International card is a kind of credit card that can use outside issuing country, global general-use.Master Card (Master Card), Visa Card (VISA Card), Express card (American Express Card), JCB card (JCB Card) and Diners Club Card (Diners Club Card) majority that overseas five large groups (Master Card tissue, Visa international organization, American Express Co., JCB credit card company and great Lai credit card company) issue respectively belong to international card.Area card is a kind of credit card that can only use in domestic or certain area in issuing country.All kinds of credit card great majority that China's commercial banks is issued belong to area card.
It is modal credit card use-pattern that POS is swiped the card, and is the mode that a kind of networking is swiped the card.When swiping the card, first operator should check the information such as the term of validity and holder's surname of credit card.Then, select corresponding POS according to the kind of currencies that credit card issuer and needs pay, the magnetic stripe of magnetic strip credit card is streaked in POS, or chip type credit card is inserted draw-in groove, be communicated with the payment gateways such as bank, input the corresponding amount of money.After remote payment gateway is received information, POS can get the receipt (being at least two) of swiping the card and paying, and holder checks that the information in payment receipt should be signed after errorless on this receipt.After operator checks signature on receipt and credit card signature behind (comprise name conform to completely substantially conform to) with person's handwriting, by one of credit card and payment receipt of swiping the card to holder, so far, the program of swiping the card in POS completes.
To clap the credit card use-pattern that card induction is a kind of newtype on RFID machine, it is also the one of networking mode.When clapping card, first operator should check the information such as the term of validity of credit card and holder's surname.Then, select to clap card machine accordingly according to the kind of currencies that credit card issuer and needs pay, input the corresponding amount of money, by the place lying against no more than 10cm above inductor of credit card.The signal sound can be sent after RFID machine senses credit card, then continue operation procedure, after remote payment gateway is received information, printer can get the receipt clapped card and pay, but different from mode in the past, and holder need not sign, mode is than ever faster, more convenient.So far, the bat card induction program on RFID machine completes.
Manual pressure single-pass is everlasting when not having POS maybe can not network and is used.Pressure single operation must have " direct sales slip " (being at least two) and the phone of pressure-sensitive copy formula.Inspection work before pressure is single is identical with POS.Then, credit card pressure sets up for printing on sales slip by the card number of credit card projection, name etc. by operator, and write the information such as the amount of money, date, then dial merchant bank and authorize private telephone, quote card information application mandate, and the authorization code of acquisition is write on sales slip, then holder confirms errorless rear signature.After operator checks signature, give holder by one of credit card and sales slip, so far, manual pressure one way sequence completes.Authorized telephone can be dialed usually immediately.In the area that some communication is not smooth or credit conduct and discipline is good, after trade company pressure card client signature can be run into, just pay the situation that commodity complete transaction.
From holder's angle, network payment is considered to the maximum one of several modes of payments risks of credit card, because cankered people may use the means such as phishing, the eavesdropping network information, personation payment gateway to steal subscriber data.During network payment, need to input card number, credit card effective period, the prestige scholar CVV2 code of the numeral that card backside signature is other/Master Card CVC2/ Unionpay CVN2, online transaction password, needs the identifying code etc. inputting name, webpage stochastic generation sometimes.After having inputted, some submission can complete network payment.Along with the development of internet, the security of network payment and Credit Card Payments also improves gradually.
The information such as TV, phone trading are similar with network payment, need card number, the term of validity, prestige scholar CVV2 code/Master Card CVC2/ Unionpay CVN2.
Pre-authorization is generally used for a deposit, namely freezes the available amount of a part of credit card, is used as cash pledge.The process of pre-authorization and manual pressure list is similar, but message is the corresponding amount of money of requirement pre-authorization, and be not that requirement pays, also do not need pressure single, only the voucher receiving cash pledge provided by needs.General pre-authorization can cancel pre-authorization when settling accounts by businessman.If cancellation is forgotten by businessman, can phone businessman and require to cancel, oneself phoning authorized organization cannot cancel.Or, wait for that bank cancels pre-authorization (be generally 7 ~ 30 days not etc.) automatically.
Inventor is realizing in process of the present invention, finding that current financial institution is when carrying out numerical value process, can only process the numerical value of same type, such as when carrying out debit card off-shore transaction, when Sorry, your ticket has not enough value for Currency Type corresponding account of concluding the business, transaction is directly refused, and have impact on customer experience.
Summary of the invention
The embodiment of the present invention provides a kind of data processing method, and in order to process dissimilar numerical value, the method comprises:
Receive data processing request message, wherein, in this data processing request message, carry the type of the first numerical value, mark that the first numerical value is corresponding, the first numerical value, and to the first rule that the first numerical value processes;
The mark corresponding according to the first numerical value determines each numerical value recorded in the data stored;
According to the type of each numerical value of record, after each numerical value and the first numerical value being converted to the identical numerical value of type by preset rules, the numerical value meeting the first rule treatments requirement is processed by the first rule.
In an embodiment, according to the type of each numerical value of record, after each numerical value and the first numerical value being converted to the identical numerical value of type by preset rules, the numerical value meeting the first rule treatments requirement being processed by the first rule, comprising:
The mark corresponding according to the first numerical value determines the second value recorded in the data stored, and wherein, second value is identical with the type of the first numerical value;
When second value can not meet the processing requirements of the first rule, determine the third value recorded in the data stored, wherein, third value is not identical with the type of the first numerical value;
Second Rule third value and the first numerical value being converted to the identical numerical value of type is determined in the data stored, and by Second Rule, third value and the first numerical value are converted to the 4th identical numerical value of type and the 5th numerical value respectively, wherein, preset rules is Second Rule, third value is the 4th numerical value after changing, and the first numerical value is the 5th numerical value after changing;
When the 4th numerical value and the 5th numerical value can meet the processing requirements of the first rule, the 4th numerical value and the 5th numerical value are processed by the first rule; When the 4th numerical value and the 5th numerical value can not meet the processing requirements of the first rule, obtain two numerical value meeting the first rule treatments requirement in the numerical value recorded in the data stored by the mode of acquisition the 4th numerical value and the 5th numerical value, and these two numerical value are processed by the first rule.
In an embodiment, when third value and the first numerical value being converted to respectively the 4th identical numerical value of type and the 5th numerical value, this identical type is transaction Currency Type type or clearance Currency Type type.
In an embodiment, when regularly logarithm value processes, process by using one of the mode of static CALL following function module calling financial sector or its combination:
Complete currency exchange module, complete that the exchange rate obtains module, inquires about sub-account balance module, tentative calculation service charge module, deposit parameter query module.
In an embodiment, comprise further:
If when can not obtain two numerical value of satisfied first rule treatments requirement in the numerical value recorded in the data stored by the mode of acquisition the 4th numerical value and the 5th numerical value, return the response message can not carrying out data processing request.
In an embodiment, described data processing request message is financial class transaction message.
In an embodiment, described financial class transaction message is withdrawn the money after transaction initiates from overseas ATM, forwarded the transaction message of the ISO-8583 message format arrived through interface platform system IPS by bank card exchange system IST.
In an embodiment, described financial class transaction message is the financial class transaction message sent when using many coin debit card.
In an embodiment, described financial class transaction message is the financial class transaction message sent when using many coin debit card debit class, credit class or pre-authorization carried out overseas to conclude the business.
In an embodiment, in this data processing request message, carry the type of the first numerical value, mark that the first numerical value is corresponding, the first numerical value, and the first numerical value is processed the first rule time, be carry in the message territory content of financial class transaction message.
The technical scheme that the embodiment of the present invention provides, can process dissimilar numerical value, is not limited to the numerical value only processing same type.The technical scheme that the embodiment of the present invention provides is particularly suitable for the numerical value process in financial institution, such as, use it for use many coin debit cards from overseas ATM initiate withdraw the money transaction time, be all single currency clearing in prior art, need to face cabinet to bank during refusal transaction that client runs into that Sorry, your ticket has not enough value overseas and handle currency exchange; And the technical scheme adopting the embodiment of the present invention to provide, complete automatic operation when the non-perception of client, the chance of success of client's off-shore transaction can have been ensured to greatest extent, and there is good customer experience.Also not yet find that at present financial institution both domestic and external can have similar mechanism can realize the parametrization of transaction currency configurable.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.In the accompanying drawings:
Fig. 1 is the schematic diagram of data processing method in the embodiment of the present invention;
Fig. 2 is the process flow diagram of currency poll in the embodiment of the present invention.
Embodiment
For making the object of the embodiment of the present invention, technical scheme and advantage clearly understand, below in conjunction with accompanying drawing, the embodiment of the present invention is described in further details.At this, schematic description and description of the present invention is for explaining the present invention, but not as a limitation of the invention.
In order to process dissimilar numerical value, the embodiment of the present invention provides a kind of data processing method.Fig. 1 is the schematic diagram of data processing method in the embodiment of the present invention, and as shown in Figure 1, the method can comprise:
Step 101, receive data processing request message, wherein, in this data processing request message, carry the type of the first numerical value, mark that the first numerical value is corresponding, the first numerical value, and to the first rule that the first numerical value processes;
Step 102, the mark corresponding according to the first numerical value determine each numerical value recorded in the data stored;
Step 103, the type of each numerical value according to record, after each numerical value and the first numerical value being converted to the identical numerical value of type by preset rules, process the numerical value meeting the first rule treatments requirement by the first rule.
Flow process can be learnt as shown in Figure 1, and the embodiment of the present invention can process dissimilar numerical value, is not limited to the numerical value only processing same type.
During concrete enforcement, according to the type of each numerical value of record, after each numerical value and the first numerical value being converted to the identical numerical value of type by preset rules, the numerical value meeting the first rule treatments requirement being processed by the first rule, can comprise:
The mark corresponding according to the first numerical value determines the second value recorded in the data stored, and wherein, second value is identical with the type of the first numerical value;
When second value can not meet the processing requirements of the first rule, determine the third value recorded in the data stored, wherein, third value is not identical with the type of the first numerical value;
Second Rule third value and the first numerical value being converted to the identical numerical value of type is determined in the data stored, and by Second Rule, third value and the first numerical value are converted to the 4th identical numerical value of type and the 5th numerical value respectively, wherein, preset rules is Second Rule, third value is the 4th numerical value after changing, and the first numerical value is the 5th numerical value after changing;
When the 4th numerical value and the 5th numerical value can meet the processing requirements of the first rule, the 4th numerical value and the 5th numerical value are processed by the first rule; When the 4th numerical value and the 5th numerical value can not meet the processing requirements of the first rule, obtain two numerical value meeting the first rule treatments requirement in the numerical value recorded in the data stored by the mode of acquisition the 4th numerical value and the 5th numerical value, and these two numerical value are processed by the first rule.
The technical scheme that the embodiment of the present invention provides is particularly suitable for the numerical value process in financial institution, such as, use it for use many coin debit cards from overseas ATM initiate withdraw the money transaction time, be all single currency clearing in prior art, need to face cabinet to bank during refusal transaction that client runs into that Sorry, your ticket has not enough value overseas and handle currency exchange; And the technical scheme adopting the embodiment of the present invention to provide, complete automatic operation when the non-perception of client, the chance of success of client's off-shore transaction can have been ensured to greatest extent, and there is good customer experience.Also not yet find that at present financial institution both domestic and external can have similar mechanism can realize the parametrization of transaction currency configurable.Specifically described below.
When being applied to the numerical value process in financial institution, when third value and the first numerical value being converted to respectively the 4th identical numerical value of type and the 5th numerical value, this identical type can be transaction Currency Type type or clearance Currency Type type.
In embodiment, if when can not obtain two numerical value of satisfied first rule treatments requirement in the numerical value recorded in the data stored by the mode of acquisition the 4th numerical value and the 5th numerical value, return the response message can not carrying out data processing request.
In embodiment, handled data processing request message can be financial class transaction message.Lift an example, can use the mode of currency poll in the embodiment of the present invention, account under preferential use transaction Currency Type inspection card, concludes the business if remaining sum meets, Transaction Success.When Sorry, your ticket has not enough value, system is by the configuration according to card product parameters, checks whether the corresponding sub-account of the second poll currency exists, and whether remaining sum is sufficient.If the second poll currency meets the demands, transaction currency is converted to the second poll currency and move account, Transaction Success; Otherwise continue to attempt third round and ask currency.When three kinds of situations are all failed, just final Fail Transaction, which increases trial chance, ensure that the successful possibility of transaction to greatest extent.Conversion simultaneously between currency is that inside completes automatically, does not need extra service charge.Refusal transaction issues simple and crude when this polling mechanism solves that Sorry, your ticket has not enough value cleverly.
In embodiment, financial class transaction message can be withdraw the money after transaction initiates from overseas ATM, the transaction message of the ISO-8583 message format arrived through IPS by IST system forwards.Finance class transaction message can also be the financial class transaction message sent when using many coin debit card.Many coin debit card a kind of organizes with card that (Master, Unionpay) is special has arranged No. BIN, card, has the debit card product of specific cards product marking.The currency basket of support card gas producing formation and the second poll currency, third round askes the parameter configuration of currency.Support currency polling mechanism.Many coin debit card also can referred to as many coin card.Currency basket is a parameter configuration in debit card product table, is configured with the maximum set of the Currency Type of the account that this card product may occur.12 kinds of currency common under being generally configured to a logical account, concrete configuration is as the criterion with business department's regulation.Currency basket also can be regarded as the first poll currency.X poll currency is a parameter configuration in debit card product table, and currency poll rule is by the order poll successively according to X poll currency.First poll currency and above-mentioned " currency basket " mentioned.The second, third round is ask currency and is configured a Currency Type respectively.Concrete configuration situation is as the criterion with business department's regulation.
In embodiment, financial class transaction message can also be the financial class transaction message sent when using many coin debit card debit class, credit class or pre-authorization carried out overseas to conclude the business.In implementation process, the type of the first numerical value, mark that the first numerical value is corresponding, the first numerical value is carried in this data processing request message, and to the first numerical value process first rule time, can be carry in the message territory content of financial class transaction message.
Many coin debit card currency polling mechanism of the embodiment of the present invention can use Common business Oriented Language programming realization.By the form of a public module, polling mechanism is carried out encapsulating (UTROUD) for other homophony routine calls.Debit class or credit class transaction processing are distinguished in use " 01 ", " 02 " two function codes.UTROUD intrinsic call UTTRFE carries out the tentative calculation of transaction procedure expense, calls UT0296 and carries out currency exchange, calls UT0295 and carries out obtaining of the exchange rate.
In embodiment, when regularly logarithm value processes, can process by using one of the mode of static CALL following function module calling financial sector or its combination: complete currency exchange module, complete that the exchange rate obtains module, inquires about sub-account balance module, tentative calculation service charge module, deposit parameter query module.Such as, many coin debit card currency polling mechanism, the final form realized is a common program UTROUD.Intrinsic call UT0296 (completing currency exchange), UT0295 (completing the exchange rate to obtain), UTBALQ (inquiring about sub-account balance), UTTRFE (tentative calculation service charge), UT0200 (deposit parameter query).The unified mode of static CALL that uses of these common program is called.
Illustrate the numerical value process data processing method of the embodiment of the present invention be applied in financial institution below, realize the example of many coin debit card currency poll.Fig. 2 is the process flow diagram of currency poll (UTROUD) in the embodiment of the present invention, as shown in Figure 2, in this example:
One, debit class is concluded the business
A) when Currency Type of concluding the business is Renminbi:
A1) if clearance Currency Type territory non-NULL and non-Renminbi, then whether there is the sub-account of Renminbi under checking this debit card, if to exist and remaining sum is sufficient, then press the sub-account account of this Renminbi of dealing money button, otherwise, refuse to conclude the business; And meet the requirement of clearing with tissue with amount of settlement;
A2) to clear Currency Type territory be empty or be Renminbi time, identical with existing treatment mechanism, if namely amount of settlement is non-vanishing, then according to amount of settlement button customer's account, otherwise according to dealing money button customer's account;
B) when Currency Type of concluding the business is foreign currency:
B1) Currency Type of concluding the business is within the scope of the account Currency Type of this debit card product;
B1.1) if transaction Currency Type is identical with clearance Currency Type, under checking this debit card, whether there is sub-account corresponding to clearance Currency Type, if to exist and remaining sum is sufficient, then the sub-account account of use amount of settlement this clearance Currency Type of button; Otherwise, if this product is provided with the second poll currency, whether there is the sub-account that the second poll currency is corresponding under then checking this debit card, if exist and remaining sum is sufficient, then buckle the sub-account account that this second poll account coin is corresponding after dealing money being rolled over the second poll currency; Otherwise, if there is third round in this product askes currency (parameter can be decided to be CNY), whether there is third round under then checking this debit card and ask currency account, if to exist and remaining sum is sufficient, then buckle this sub-account account after dealing money folding third round inquiry currency; Otherwise, refusal transaction;
B1.2) if transaction Currency Type is different with clearance Currency Type, under checking this debit card, whether there is sub-account corresponding to transaction Currency Type, if to exist and remaining sum is sufficient, then the sub-account account of use dealing money this transaction Currency Type of button; Otherwise, if this product is provided with the second poll currency, then whether there is the sub-account that the second poll currency is corresponding under checking this debit card, if exist and remaining sum is sufficient, then buckle the sub-account account of this foreign currency after dealing money being rolled over the second poll currency; Otherwise, if this product exists third round ask currency, then whether there is third round under checking this debit card and ask currency account, if to exist and remaining sum is sufficient, then buckle this sub-account account after dealing money folding third round inquiry currency; Otherwise, refusal transaction;
B2) if transaction Currency Type is not within the scope of the account Currency Type of this product;
If this product is provided with the second poll currency, then whether there is the sub-account that the second poll currency is corresponding under checking this debit card, if exist and remaining sum is sufficient, then buckle the sub-account account of this currency after amount of settlement being rolled over the second poll currency; Otherwise, if this product exists third round ask currency, then whether there is third round under checking this debit card and ask currency account, if to exist and remaining sum is sufficient, then buckle this sub-account account after amount of settlement folding third round inquiry currency; Otherwise, refusal transaction.
Two, credit class is concluded the business
First whether there is the sub-account that transaction Currency Type is corresponding under checking this debit card, if existed, then enter the sub-account of this transaction Currency Type and (when transaction Currency Type is identical with clearance Currency Type, use amount of settlement; Otherwise use dealing money); Otherwise, whether there is the sub-account of the second poll currency under checking this debit card, if existed, enter this sub-account account; Otherwise whether there is third round under checking this debit card and ask the sub-account of currency, if existed, then enter this third round and ask the sub-account account of currency; Otherwise, refusal transaction.
Attention: in the poll rule of above debit and credit, the reality obtained after the conversion of each poll move account Currency Type (comprise and buckle account and enter customer's account) identical with the clearance Currency Type above sent time, to clear Currency Type, amount of settlement button customer's account.
In addition, for the poll of foreign currency account, preferential use paper money family is needed, the paper money family if there is no satisfied condition, then the remittance family selecting corresponding currency.The account of exchange list price when buckleing to(for) foreign currency account poll, to converge character identical with the paper money of actual account of withholing, and namely as button paper money family is then exchanged according to cash valency, then exchanges according to spot rate as button converges family.
Reoffer below a client overseas initiate ATM withdraw the money transaction example, this example comprises following treatment scheme:
1, client initiates ATM overseas and to withdraw the money transaction.
2, transaction forwards and arrives core system (ISO-8583 message format) through IPS by IST system.
3, debit card main line program receives Transaction Information and is distributed to debit class and concludes the business sub-sequence of threads.
4, according to being that many coin card is withdrawn the money transaction, polling mechanism UTROUD process is called overseas.
4.1, polling mechanism UTROUD module receives function code 01 and determines it is the transaction of debit class.Poll is started according to transaction Currency Type situation.
4.2, the reading that UTBALQ completes account and account balance is wherein called.Through comparing, if Sorry, your ticket has not enough value, carries out currency exchange process.
4.3, call UT0296 and carry out currency exchange operation, transaction Currency Type is converted to the second equivalent poll currency.
4.4, UTTRFE tentative calculation service charge is used.Service charge and 4.3 amount of money converted are added up.
4.5, again call UTBALQ to obtain the second remaining sum of taking turns new money account and carry out remaining sum and compare.
4.6 once find satisfactory account, and the reality obtained by poll moves the account amount of money, and Currency Type spreads out of.
5, poll process completes UTROUD and returns the amount of money and Currency Type that should detain client.
6, debit clamp sequence of threads completes dynamic account process and will return results and return main line.
7, Transaction Information returns by former road by main line program.
8, client completes transaction.
4th step is the core procedure of whole process, i.e. currency polling procedure in above process.3rd step is more important set-up procedure, determines when use this currency polling mechanism.5th step is step of dealing with problems arising from an accident later, returns from level to level finally send user to by result.
The above-mentioned process of the 4th step and 4.1 ~ 4.6 subprocess of detailed description thereof, most crucial module and UTROUD, whole polling mechanism is all encapsulated in wherein.
From the angle of exploitation, first technician will specify the transaction scene of various complexity, and how can comprehensively tackle in the face of different scene currency poll rule.Due to embodiment of the present invention design consider comparatively comprehensive, considering transaction be on to deliver newspaper the appearance situation in various territory in literary composition, the remaining sum situation of account, even service charge problem has also been taken into account.Therefore the Logic judgment branch designed is more, and level is darker.And debit and credit are different again.On the other hand, the UTROUD intrinsic call of the embodiment of the present invention public modules such as core system UT0296, UT0295, these functions of modules are enriched, practical.In embodiment, currency exchange can use the public module UT0296 of core system to realize.Currency exchange can use the core system exchange rate.Obtaining of the exchange rate can use core system functional module UT0295 to complete.Service charge tentative calculation can use the existing UTTRFE of debit card group to realize.Reporting and submitting of 930 positions can use core public module UT0360 to realize.
In embodiments of the present invention, the restriction requirement of many coin debit card currency polling mechanism can be: many coin card product, and debit class overseas/credit class/pre-authorization (only Unionpay's many coin card) transaction can use.And trading range is determined in advance by business department.In prior art, need to face cabinet to bank during refusal transaction that client runs into that Sorry, your ticket has not enough value overseas and handle currency exchange; Client faces cabinet and handles, the complicated formality such as need queuing to fill in a form, and faces cabinet and handle and may collect service charge; And in the embodiment of the present invention, when polling mechanism is can withdrawing cash on facility or consume of robotization, complete automatic operation when the non-perception of client.And polling mechanism does not additionally collect service charge.
The technology similar to the embodiment of the present invention is current or blank, no matter goes interior or of the same trade or business, temporarily there are no similar polling mechanism.Many coin card mostly generally is credit card.In prior art, Multiple Currencies card is all single currency clearing.And the parametrization that polling mechanism of the present invention achieves transaction currency is configurable, can ensure that the chance of success of client's off-shore transaction has good customer experience to greatest extent.And rational in infrastructure, encapsulation is closely (only needing a common program).The place recycling facilitating other to use.
In sum, the technical scheme that the embodiment of the present invention provides, can process dissimilar numerical value, is not limited to the numerical value only processing same type.The technical scheme that the embodiment of the present invention provides is particularly suitable for the numerical value process in financial institution, such as, use it for use many coin debit cards from overseas ATM initiate withdraw the money transaction time, be all single currency clearing in prior art, need to face cabinet to bank during refusal transaction that client runs into that Sorry, your ticket has not enough value overseas and handle currency exchange; And the technical scheme adopting the embodiment of the present invention to provide, complete automatic operation when the non-perception of client, the chance of success of client's off-shore transaction can have been ensured to greatest extent, and there is good customer experience.Also not yet find that at present financial institution both domestic and external can have similar mechanism can realize the parametrization of transaction currency configurable.
Those skilled in the art should understand, embodiments of the invention can be provided as method, system or computer program.Therefore, the present invention can adopt the form of complete hardware embodiment, completely software implementation or the embodiment in conjunction with software and hardware aspect.And the present invention can adopt in one or more form wherein including the upper computer program implemented of computer-usable storage medium (including but not limited to magnetic disk memory, CD-ROM, optical memory etc.) of computer usable program code.
The present invention describes with reference to according to the process flow diagram of the method for the embodiment of the present invention, equipment (system) and computer program and/or block scheme.Should understand can by the combination of the flow process in each flow process in computer program instructions realization flow figure and/or block scheme and/or square frame and process flow diagram and/or block scheme and/or square frame.These computer program instructions can being provided to the processor of multi-purpose computer, special purpose computer, Embedded Processor or other programmable data processing device to produce a machine, making the instruction performed by the processor of computing machine or other programmable data processing device produce device for realizing the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.
These computer program instructions also can be stored in can in the computer-readable memory that works in a specific way of vectoring computer or other programmable data processing device, the instruction making to be stored in this computer-readable memory produces the manufacture comprising command device, and this command device realizes the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.
These computer program instructions also can be loaded in computing machine or other programmable data processing device, make on computing machine or other programmable devices, to perform sequence of operations step to produce computer implemented process, thus the instruction performed on computing machine or other programmable devices is provided for the step realizing the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.
Above-described specific embodiment; object of the present invention, technical scheme and beneficial effect are further described; be understood that; the foregoing is only specific embodiments of the invention; the protection domain be not intended to limit the present invention; within the spirit and principles in the present invention all, any amendment made, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. a data processing method, is characterized in that, the method comprises:
Receive data processing request message, wherein, in this data processing request message, carry the type of the first numerical value, mark that the first numerical value is corresponding, the first numerical value, and to the first rule that the first numerical value processes;
The mark corresponding according to the first numerical value determines each numerical value recorded in the data stored;
According to the type of each numerical value of record, after each numerical value and the first numerical value being converted to the identical numerical value of type by preset rules, the numerical value meeting the first rule treatments requirement is processed by the first rule.
2. the method for claim 1, it is characterized in that, according to the type of each numerical value of record, after each numerical value and the first numerical value being converted to the identical numerical value of type by preset rules, the numerical value meeting the first rule treatments requirement is processed by the first rule, comprising:
The mark corresponding according to the first numerical value determines the second value recorded in the data stored, and wherein, second value is identical with the type of the first numerical value;
When second value can not meet the processing requirements of the first rule, determine the third value recorded in the data stored, wherein, third value is not identical with the type of the first numerical value;
Second Rule third value and the first numerical value being converted to the identical numerical value of type is determined in the data stored, and by Second Rule, third value and the first numerical value are converted to the 4th identical numerical value of type and the 5th numerical value respectively, wherein, preset rules is Second Rule, third value is the 4th numerical value after changing, and the first numerical value is the 5th numerical value after changing;
When the 4th numerical value and the 5th numerical value can meet the processing requirements of the first rule, the 4th numerical value and the 5th numerical value are processed by the first rule; When the 4th numerical value and the 5th numerical value can not meet the processing requirements of the first rule, obtain two numerical value meeting the first rule treatments requirement in the numerical value recorded in the data stored by the mode of acquisition the 4th numerical value and the 5th numerical value, and these two numerical value are processed by the first rule.
3. method as claimed in claim 2, is characterized in that, when third value and the first numerical value being converted to respectively the 4th identical numerical value of type and the 5th numerical value, this identical type is transaction Currency Type type or clearance Currency Type type.
4. method as claimed in claim 2, is characterized in that, when regularly logarithm value processes, processing by using one of the mode of static CALL following function module calling financial sector or its combination:
Complete currency exchange module, complete that the exchange rate obtains module, inquires about sub-account balance module, tentative calculation service charge module, deposit parameter query module.
5. method as claimed in claim 2, is characterized in that, comprise further:
If when can not obtain two numerical value of satisfied first rule treatments requirement in the numerical value recorded in the data stored by the mode of acquisition the 4th numerical value and the 5th numerical value, return the response message can not carrying out data processing request.
6. the method as described in as arbitrary in claim 1 to 5, it is characterized in that, described data processing request message is financial class transaction message.
7. method as claimed in claim 6, is characterized in that, described financial class transaction message is withdrawn the money after transaction initiates from overseas ATM, forwarded the transaction message of the ISO-8583 message format arrived through interface platform system IPS by bank card exchange system IST.
8. method as claimed in claim 6, is characterized in that, described financial class transaction message is the financial class transaction message sent when using many coin debit card.
9. method as claimed in claim 6, is characterized in that, described financial class transaction message is the financial class transaction message sent when using many coin debit card debit class, credit class or pre-authorization carried out overseas to conclude the business.
10. method as claimed in claim 6, it is characterized in that, the type of the first numerical value, mark that the first numerical value is corresponding, the first numerical value is carried in this data processing request message, and to the first numerical value process first rule time, be carry in the message territory content of financial class transaction message.
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| CN201510101383.6A CN104680672A (en) | 2015-03-06 | 2015-03-06 | Data processing method |
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| CN201510101383.6A CN104680672A (en) | 2015-03-06 | 2015-03-06 | Data processing method |
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