CN107590687A - A kind of hair fastener method and system - Google Patents
A kind of hair fastener method and system Download PDFInfo
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- CN107590687A CN107590687A CN201710732442.9A CN201710732442A CN107590687A CN 107590687 A CN107590687 A CN 107590687A CN 201710732442 A CN201710732442 A CN 201710732442A CN 107590687 A CN107590687 A CN 107590687A
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Abstract
A kind of hair fastener method, it comprises the following steps：Card sending system includes third party's card sending system, international receipts single network, trade company's terminal and server end；Third party's card sending system receives single network connection with international；Third party's card sending system is connected with server end；The international single network of receipts is connected with trade company with terminal；Third party's card sending system is used to realize amount of money conversion and realizes settlement function between the single network of world receipts.
Description
Technical field
The present invention relates to electronic transaction technical field, more particularly to a kind of hair fastener method and system.
Background technology
Following defect be present in existing card sending system, such as：The mileage integration of airline can only be exchanged in intra-company
It present or air ticket, can not on a large scale use, for example a bottle of pop can not be bought, buy dress etc..
The mass transit card in city, such as Shenzhen lead to, and Guangzhou Yangcheng leads to, Hong Kong eight up to logical, public transport work can only be taken in locality
Tool, can not be consumed in the whole nation, for example retail shop that can not be in China buys beverage and snacks.
The a certain bank of Singapore, his bank client has account inside bank, but client is to during travel in China, it is impossible to
Done shopping using the fund of its bank in China.
The content of the invention
In view of this, the present invention propose it is a kind of can it is transnational and suitable for a variety of consumption patterns hair fastener method and be
System.
A kind of hair fastener method, it comprises the following steps：
The card sending system includes third party's card sending system, international receipts single network, trade company's terminal and server end；
Third party's card sending system receives single network connection with international；Third party's card sending system connects with server end
Connect；The international single network of receipts is connected with trade company with terminal；
Third party's card sending system is used to realize amount of money conversion and realizes settlement function between the single network of world receipts.
In hair fastener method of the present invention, third party's card sending system includes VISA/MASTER/DINER/JCB/
AE card third parties card sending system, Unionpay's third party's card sending system；
The international single network of receipts includes the single network of the international receipts of Unionpay, the international receipts of VISA/MASTER/DINER/JCB/AE cards
Single network；
The server end includes domestic bank's billing and accounting system, company's accumulating card system, overseas urban transportation card system, silver
Row billing and accounting system；
The trade company includes VISA/MASTER/DINER/JCB/AE franchised businesses terminal, franchised business of Unionpay with terminal
Use terminal.
In hair fastener method of the present invention, a user number is created for client in third party's card sending system, for the use
Family number associates one or more card numbers, and wherein card number can be VISA/MASTER/DINER/JCB/AE card card numbers, or silver
Join card card number；Domestic bank's billing and accounting system, company's accumulating card system, overseas urban transportation card system, bank's billing and accounting system and the
Tripartite's card sending system is connected, and is associated with user number in third party's card sending system.
In hair fastener method of the present invention,
Above-mentioned hair fastener mode includes：
Entity interchanger mode is provided, APP virtual cards mode is provided, provides VISA/MASTER/DINER/JCB/AE card sides
Formula.
The consumption pattern includes：
Urban transportation card consumption pattern, integration consumption pattern, account consumption pattern.
The present invention also provides a kind of card sending system, and it includes such as lower unit：
The card sending system includes third party's card sending system, international receipts single network, trade company's terminal and server end；
Third party's card sending system receives single network connection with international；Third party's card sending system connects with server end
Connect；The international single network of receipts is connected with trade company with terminal；
Third party's card sending system is used to realize amount of money conversion and realizes settlement function between the single network of world receipts.
In card sending system of the present invention, third party's card sending system includes VISA/MASTER/DINER/JCB/
AE card third parties card sending system, Unionpay's third party's card sending system；
The international single network of receipts includes the single network of the international receipts of Unionpay, the international receipts of VISA/MASTER/DINER/JCB/AE cards
Single network；
The server end includes domestic bank's billing and accounting system, company's accumulating card system, overseas urban transportation card system, silver
Row billing and accounting system；
The trade company includes VISA/MASTER/DINER/JCB/AE franchised businesses terminal, franchised business of Unionpay with terminal
Use terminal.
In card sending system of the present invention, a user number is created for client in third party's card sending system, for the use
Family number associates one or more card numbers, and wherein card number can be VISA/MASTER/DINER/JCB/AE card card numbers, or silver
Join card card number；Domestic bank's billing and accounting system, company's accumulating card system, overseas urban transportation card system, bank's billing and accounting system and the
Tripartite's card sending system is connected, and is associated with user number in third party's card sending system.
In card sending system of the present invention,
Above-mentioned hair fastener mode includes：
Entity interchanger mode is provided, APP virtual cards mode is provided, provides VISA/MASTER/DINER/JCB/AE card sides
Formula.
The consumption pattern includes：
Urban transportation card consumption pattern, integration consumption pattern, account consumption pattern.
Hair fastener method and system provided by the invention, relative to prior art, it can realize：
(1) global general-use, single Web vector graphic can be received in VISA/MASTER/DINER/JCB/AE, also can receives single net in Unionpay
Network uses.
(2) flexible consumption mode, it can set and first be consumed using integration, then again with bank card system consumption etc.
Deng.
(3) can also be by way of providing APP virtual cards, only user number is associated with two card numbers (VISA
Card card number, an interchanger card number).
(4) third party's card sending system can also include Master cards, JCB cards, AE cards etc., can so be extended to more
Consumer channel.
Brief description of the drawings
Fig. 1 is the card sending system schematic diagram of first embodiment of the invention；
Fig. 2 is the card sending system schematic diagram of second embodiment of the invention；
Fig. 3 is the card sending system schematic diagram of third embodiment of the invention；
Fig. 4 is the card sending system schematic diagram of fourth embodiment of the invention；
Fig. 5 is the card sending system schematic diagram of fifth embodiment of the invention.
Embodiment
As shown in figure 1, in the first embodiment：
1:Provide the mode of entity interchanger
(1)：Bank billing and accounting system A is attached with third party's card sending system B, by bank account A (such as
887766554433) card number (such as 6212345678901234) with the interchanger of 62 beginnings in card sending system is closed
Connection, the interchanger of a concurrent card number 6212345678901234 give the bank client.
(2) client holds interchanger 6212345678901234 and consumed to the POS of the domestic franchised business of Unionpay, than
The clothes of 100 yuan of a RMB is such as bought, POS will be sent on 100 yuan of the consumption RMB of the card 6212345678901234
Single network is received by Unionpay；
(3) Unionpay receives single network and the transaction is sent into corresponding third party's hair fastener according to card number 6212345678901234
System, Unionpay's system or third party's card sending system according to the exchange rate on the same day (setting the exchange rate on the same day as the RMB of 1 new coin=5),
By RMB, 100 yuan are changed to 20 yuan of new coin；
(4) third party's card sending system is by bank's billing and accounting system Bank Account Number corresponding to 6212345678901234
887766554433 take out, and it is 887766554433 to initiate an account to bank's billing and accounting system, and the amount of money is the friendship of new 20 yuan of coin
Easily；
Bank's billing and accounting system deducts 20 yuan of the new coin of account 887766554433, and returns and merchandise successfully to third party's hair fastener
System；
(6) third party's card sending system returns to 100 yuan of 6212345678901234 amount of money RMB of interchanger or the new coin of the amount of money
20 yuan of transaction successful information receives single system to Unionpay, and Unionpay receives single system and sends POS of the Successful authorization to franchised business, so as to
Complete transaction.
2：Provide the mode of APP virtual cards
(1)：Bank billing and accounting system A is attached with third party's card sending system B, by bank account A (such as
887766554433) card number (such as 6212345678901234) with the interchanger of 62 beginnings in card sending system is closed
Connection, client download an APP on mobile phone, tie up 6212345678901234 interchanger with Client handset number in APP
It is fixed.
(2) client utilizes the interchanger 6212345678901234 in APP to the POS of the domestic franchised business of Unionpay
Upper consumption, such as the clothes of one 100 yuan of RMB of purchase；APP first and card sending system or Unionpay receive it is single it is preposition contact, obtain
The relevant information (token ring identify or card image) of interchanger 6212345678901234, and by relevant information show bar code or
For Quick Response Code on mobile phone screen, POS retouches rifle by the related bar code or two of the interchanger 6212345678901234 in APP using receipts
Tie up code to read in, POS will be sent to Unionpay's receipts in 100 yuan of the relevant information of the card 6212345678901234 and spending amount RMB
Single network；
(3) single network is received according to the relevant information of card number 6212345678901234 by Unionpay, and the transaction is sent to accordingly
Third party's card sending system, Unionpay's system or third party's card sending system (set the exchange rate on the same day as 1 new coin according to the exchange rate on the same day
=5 RMB), by RMB, 100 yuan are changed to 20 yuan of new coin；
(4) single network or third party's card sending system are received according to the card number relevant information above sent by Unionpay, obtain the silver of the transaction
It is 6212345678901234 to join card card number.
(5) third party's card sending system is by bank's billing and accounting system Bank Account Number corresponding to 6212345678901234
887766554433 take out, and it is 887766554433 to initiate an account to bank's billing and accounting system, and the amount of money is the friendship of new 20 yuan of coin
Easily；
(6) bank's billing and accounting system deducts 20 yuan of the new coin of account 887766554433, and returns and merchandise successfully to third party
Card sending system；
(7) third party's card sending system returns to 100 yuan of 6212345678901234 amount of money RMB of interchanger or the new coin of the amount of money
20 yuan of transaction successful information receives single system to Unionpay, and Unionpay receives single system and sends POS of the Successful authorization to franchised business, so as to
Complete transaction.
3：Explanation
Above example only illustrates the process consumed on the POS of franchised business of China Unionpay, because Unionpay is special
About trade company spreads all over the world, similar with above-mentioned process in the process of consumption of other countries, because each national currency is different,
Need currency being converted to bank's billing and accounting system that new coin is sent to bank of Singapore according to the exchange rate.
By above-mentioned mode, the consumer channel of client has been expanded, client is consumed or is purchased in more places
Thing.
As shown in Fig. 2 in a second embodiment：
1：Process of consumption
(1)：Company C integral server is attached with third party's card sending system E, by company C integral server
One account (such as 8812348888) and the interchangers of 62 beginnings in card sending system a card number (such as
6212348888123456) associate, the integrating user of the interchanger of a concurrent card number 6212348888123456 to the said firm.
(2) integrating user is used on interchanger 6212348888123456 to the POS of the domestic franchised business of Unionpay
Consumption, such as the clothes of one 100 yuan of RMB of purchase, POS is by 100 yuan of the consumption RMB of the card 6212348888123456
On be sent to Unionpay and receive single network；
(3) Unionpay receives single network and the transaction is sent into corresponding third party's hair fastener according to card number 6212348888123456
System, third party's card sending system is according to accumulated point exchanging rule (set 100 integrations=1 RMB), and by RMB, 100 yuan are changed to 100X
100=10000 integrations (10,000 integration)；
(4) third party's card sending system is by the account of company C integral server corresponding to 6212348888123456
8812348888 take out, and it is 8812348888 to initiate an account to company C integral server, deducts the friendship of 10,000 integrations
Easily；
(5) company C integral server deducts 10,000 integrations of account 8812348888, and returns and merchandise successfully to the 3rd
Square card sending system；
(6) third party's card sending system returns to the transaction success of 100 yuan of 6212348888123456 amount of money RMB of interchanger
Information receives single system to Unionpay, and Unionpay receives single system and sends POS of the Successful authorization to franchised business, so as to complete to merchandise.
2：Explanation：
(1) in above-mentioned schematic diagram, company D integral server is also connected with third party's card sending system E, company D product
Sub-server also can associate an account (9956789999) with card number in card sending system 6212348888123456, due to silver
Connection card number is identical, and the exchange rule that company D integral server is formulated in third party's card sending system is：The people of 200 accumulated point exchanging 1
People's coin, if equally consuming 100 yuan with card number 6212348888123456, third party's card sending system E can split into two by 100 yuan
Transaction：5000 integration (50X of the account 8812348888 of one integral server for 50 yuan of corresponding deduction company C
100=5000)；
10000 integration (50X of the account 9956789999 of one integral server for 50 yuan of corresponding deduction company D
200=10000)；After two are deducted, Successful Transaction is returned to Unionpay again and receives single network by third party's card sending system.
If company D integral server by other card numbers in account (9956789999) and card sending system (such as
6288889999123456) associate, because card number differs, then a consumption can not be splitted into two integrations and deduct transaction.
(2) it is similar with above-mentioned process in the process of consumption of other countries because franchised business of Unionpay spreads all over the world, but
The conversion of the exchange rate is carried out, the currency of other countries is switched into RMB.
(3) by above-mentioned mode, the channel of accumulated point exchanging has been expanded, has also expanded the type of merchandise of accumulated point exchanging.
In general accumulated point exchanging specifies commodity all referring to place is determined, and company purchases the commodity being converted in advance, and advises
Fixed how many accumulated point exchanging a certain kind commodity, corporate client according to integration number, to determine to exchange a certain commodity.
(4) in the present embodiment, can equally be transacted business by the way of APP virtual cards are provided..
As shown in figure 3, in the third embodiment：
1：Process of consumption
(1)：City F transport card systems are attached with third party's card sending system I, by city F transportation card account (such as
339876543210) card number (such as 6266661234567890) with the interchanger of 62 beginnings in card sending system is closed
Connection, the interchanger of a concurrent card number 6266661234567890 give city C transportation card client.
(2) client holds interchanger 6266661234567890 and consumed to the POS of the domestic franchised business of Unionpay, than
The clothes of 100 yuan of a RMB is such as bought, POS will be sent on 100 yuan of the consumption RMB of the card 6266661234567890
Single network is received by Unionpay；
(3) Unionpay receives single network and the transaction is sent into corresponding third party's hair fastener according to card number 6266661234567890
System；
(4) third party's card sending system is by the traffic account 339876543210 of city F corresponding to 6266661234567890
Take out, it is 339876543210 to initiate an account to city F transport card system, and the amount of money is the transaction of 100 yuan of RMB；
(5) city F transport card system deducts 100 yuan of the RMB of account 339876543210, and returns and merchandise successfully
Give third party's card sending system；
(6) third party's card sending system returns to the transaction success of 100 yuan of 6266661234567890 amount of money RMB of interchanger
Information receives single system to Unionpay, and Unionpay receives single system and sends POS of the Successful authorization to franchised business, so as to complete to merchandise.
2：Explanation：
(1) in above-mentioned schematic diagram, multiple urban transportation card systems can be connected with third party's card sending system, third party's hair fastener
System can delimit a city and take some interchanger section, and such a card sending system can service the traffic in multiple cities
Block client.
(2) it is similar with above-mentioned process in the process of consumption of other countries because franchised business of Unionpay spreads all over the world, but
The conversion of the exchange rate is carried out, the currency of other countries is switched into RMB.
(3) by above-mentioned mode, the use range of urban transportation card has been expanded, current city transportation card typically can only be
Local means of transportation, it is impossible to consumer sale is carried out on POS, also fails to can be carried out consuming in the whole world.
(4) in the present embodiment, can equally be transacted business by the way of APP virtual cards are provided.
As shown in figure 4, in the fourth embodiment：
1:Provide the mode of entity VISA credit card
(1)：Bank billing and accounting system J is attached with VISA credit card third party's card sending system K, by bank account A (such as
99881234) card number (such as 4012345678901234) with the VISA credit card of 4 beginnings in card sending system associates, concurrently
The VISA credit card of one card number 4012345678901234 gives the bank client.
(2) client holds VISA credit card 4012345678901234 and consumed to the POS of VISA franchised business overseas, than
The clothes of 100 yuan of a dollar is such as bought, POS will be sent to VISA on 100 yuan of the consumption dollar of the card 4012345678901234
Receive single network；
(3) VISA receives single network and the transaction is sent into corresponding third party's hair fastener according to card number 4012345678901234
System, VISA receive single system or third party's card sending system and (set the exchange rate on the same day as 1 dollar=7 people according to the exchange rate on the same day
Coin), by dollar, 100 yuan are changed to 700 yuans；
(4) third party's card sending system is by bank's billing and accounting system Bank Account Number 99881234 corresponding to 4012345678901234
Take out, it is 99881234 to initiate an account to bank's billing and accounting system, and the amount of money is 700 yuans of transaction；
(5) 700 yuans of bank's billing and accounting system deduction account 99881234, and return to merchandise and successfully sent out to third party
Card system；
(6) third party's card sending system returns to 700 yuan of 4012345678901234 amount of money RMB of VISA credit card or amount of money dollar
100 yuan of transaction successful information receives single system to VISA, and VISA receives single system and sends POS of the Successful authorization to franchised business, from
And complete transaction.
3：Explanation
(1) above example only illustrates the process consumed on the POS of franchised business of the VISA credit card U.S., due to
VISA franchised businesses spread all over the world, similar with above-mentioned process in the process of consumption of other countries, due to each national coin
It is not different, it is necessary to which currency is converted into bank's billing and accounting system that RMB is sent to domestic bank according to the exchange rate.
By above-mentioned mode, the consumer channel of client has been expanded, client is consumed or is purchased in more places
Thing.
(2) by above-mentioned mode, the use range of domestic bank account has been expanded, current domestic bank account is general only
The fixation channel of this bank of energy uses, it is impossible to is consumed on the POS overseas.
(3) in the present embodiment, equally can be by the way of APP virtual cards be provided, with APP to overseas being handed on POS
Easily.
As shown in figure 5, in the 5th embodiment：
1：The implementation schematic diagram is the combination of above several ways, covers the consumption mode of above several ways.
2：Third party's card sending system P can create a user number to a client in system, for the user-association two
Individual card number (a VISA credit card card number, an interchanger card number), then, other system (domestic bank's billing and accounting system, company's products
Subsystem, urban transportation card system, overseas bank's billing and accounting system) be connected with third party's card sending system P, and with third party's hair fastener system
The user number association of system, so can be with：
(1) global general-use, single Web vector graphic can be received in VISA, also can receives single Web vector graphic in Unionpay.
(2) flexible consumption mode, it can set and first be consumed using integration, then again with bank card system consumption etc.
Deng.
3：Can also be by way of providing APP virtual cards, only user number is associated with two card numbers (VISA credit card
Card number, an interchanger card number).
4：Third party's card sending system can also include Master cards, JCB cards, DINER cards, AE cards etc., can so expand
To more consumer channels.
Hardware, computing device can be directly used with reference to the method or algorithm that the embodiments described herein describes
Software module, or the two combination are implemented.Software module can be placed in random access memory, internal memory, read-only storage, electricity can
Well known in programming ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technical field
In the storage medium of any other forms.
It is understood that for the person of ordinary skill of the art, it can be conceived with the technique according to the invention and done
Go out other various corresponding changes and deformation, and all these changes and deformation should all belong to the protection model of the claims in the present invention
Enclose.
Claims (8)
- A kind of 1. hair fastener method, it is characterised in that it comprises the following steps：Card sending system includes third party's card sending system, international receipts single network, trade company's terminal and server end；Third party's card sending system receives single network connection with international；Third party's card sending system is connected with server end；Institute The international single network of receipts is stated to be connected with trade company with terminal；Third party's card sending system is used to realize amount of money conversion and realizes settlement function between the single network of world receipts.
- 2. hair fastener method as claimed in claim 1, it is characterised in that third party's card sending system includes VISA/MASTER/ DINER/JCB/AE card third parties card sending system, Unionpay's third party's card sending system；The international single network of receipts includes the single network of the international receipts of Unionpay, the international single net of receipts of VISA/MASTER/DINER/JCB/AE cards Network；The server end includes domestic bank's billing and accounting system, company's accumulating card system, overseas urban transportation card system, bank's account Business system；Trade company terminal includes VISA/MASTER/DINER/JCB/AE franchised businesses terminal, franchised business of Unionpay eventually End.
- 3. hair fastener method as claimed in claim 2, it is characterised in that create a user in third party's card sending system for client Number, one or more card numbers are associated for the user number, wherein card number can be VISA/MASTER/DINER/JCB/AE card card numbers, card Number can also be interchanger card number；Domestic bank's billing and accounting system, company's accumulating card system, overseas urban transportation card system, bank Billing and accounting system is connected with third party's card sending system, and is associated with user number in third party's card sending system.
- 4. hair fastener method as claimed in claim 3, it is characterised in thatAbove-mentioned hair fastener mode includes：Entity interchanger mode is provided, APP virtual cards mode is provided, provides VISA/MASTER/DINER/JCB/AE card modes.The consumption pattern includes：Urban transportation card consumption pattern, integration consumption pattern, account consumption pattern.
- 5. a kind of card sending system, it is characterised in that it includes such as lower unit：The card sending system includes third party's card sending system, international receipts single network, trade company's terminal and server end；Third party's card sending system receives single network connection with international；Third party's card sending system is connected with server end；Institute The international single network of receipts is stated to be connected with trade company with terminal；Third party's card sending system is used to realize amount of money conversion and realizes settlement function between the single network of world receipts.
- 6. card sending system as claimed in claim 5, it is characterised in that third party's card sending system includes VISA/MASTER/ DINER/JCB/AE card third parties card sending system, Unionpay's third party's card sending system；The international single network of receipts includes the single network of the international receipts of Unionpay, the international single net of receipts of VISA/MASTER/DINER/JCB/AE cards Network；The server end includes domestic bank's billing and accounting system, company's accumulating card system, overseas urban transportation card system, bank's account Business system；Trade company terminal includes VISA/MASTER/DINER/JCB/AE franchised businesses terminal, franchised business of Unionpay eventually End.
- 7. card sending system as claimed in claim 6, it is characterised in that create a user in third party's card sending system for client Number, one or more card numbers are associated for the user number, wherein card number can be VISA/MASTER/DINER/JCB/AE card card numbers, card Number can also be interchanger card number；Domestic bank's billing and accounting system, company's accumulating card system, overseas urban transportation card system, bank Billing and accounting system is connected with third party's card sending system, and is associated with user number in third party's card sending system.
- 8. card sending system as claimed in claim 7, it is characterised in thatAbove-mentioned hair fastener mode includes：Entity interchanger mode is provided, APP virtual cards mode is provided, provides VISA/MASTER/DINER/JCB/AE card modes.The consumption pattern includes：Urban transportation card consumption pattern, integration consumption pattern, account consumption pattern.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201710732442.9A CN107590687A (en) | 2017-08-24 | 2017-08-24 | A kind of hair fastener method and system |
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| CN201710732442.9A CN107590687A (en) | 2017-08-24 | 2017-08-24 | A kind of hair fastener method and system |
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Application publication date: 20180116 |