CN107798551A - Bank card data analysis system based on POS terminal - Google Patents

Bank card data analysis system based on POS terminal Download PDF

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Publication number
CN107798551A
CN107798551A CN201610806504.1A CN201610806504A CN107798551A CN 107798551 A CN107798551 A CN 107798551A CN 201610806504 A CN201610806504 A CN 201610806504A CN 107798551 A CN107798551 A CN 107798551A
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information
pos terminal
bank card
module
transaction
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CN201610806504.1A
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CN107798551B (en
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翟路
陈贤强
袁道繁
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Unionpay International Co ltd
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Unionpay International Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201Market modelling; Market analysis; Collecting market data
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

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  • Business, Economics & Management (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Game Theory and Decision Science (AREA)
  • Data Mining & Analysis (AREA)
  • Technology Law (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The present invention relates to a kind of bank card data analysis system based on POS terminal.The system possesses:POS terminal, for obtaining location information caused by the Transaction Information and transaction that user is traded and the Transaction Information and the location information being sent into following asset management devices;Bank card association system, receive the Transaction Information and the location information from the POS terminal and be forwarded to following DAFs;And bank card data analytical equipment, statistical analysis is carried out according to regulation dimension to the Transaction Information and the location information and obtains statistic analysis result, and notified according to the statistic analysis result generation strategy information, and by the policy information of generation to corresponding holder.In accordance with the invention it is possible to the Transaction Information and location information to POS terminal analyze and push marketing message are thus oriented to holder.

Description

Bank card data analysis system based on POS terminal
Technical field
The present invention relates to the communication technology, more particularly to the bank card data analysis system based on POS terminal.
Background technology
At present on the market, ecommerce flourishes, and ecommerce is using information network technique as means, with commodity Commercial activity centered on exchange;It also is understood as in internet(Internet), intranet(Intranet)And increment Net(VAN, Value Added Network)On be traded in a manner of electronic transaction activity and related service activity, be pass The electronization for each link of business activity of uniting, networking, informationization.
With flourishing for ecommerce, the application that Mobile payment terminal especially moves POS terminal is more and more extensive. POS(point of sale)Equipment is a kind of multi-functional terminal end, and it is arranged on the franchised business of credit card and accepted in site Network is unified into computer, can be achieved with electronic funds automatic account transfer, it, which has, supports consumption, pre-authorization, inquiry into balance and turn The functions such as account.Mobile POS terminal is the POS terminal that can be moved, and mobile POS terminal can at any time network and carry GPS work( Energy.
Do not proposed also to carry out various data processings for the payment information of POS terminal in the prior art and thus provided The technical scheme of various marketing analyses.
The content of the invention
In view of the above problems, the present invention is intended to provide a kind of can be to the Transaction Information and positional information of mobile POS terminal Carry out data processing and the bank card data based on POS terminal point of consumer's pushed information is directed to according to data processed result Analysis system.
The bank card data analysis system based on POS terminal of the present invention, it is characterised in that possess:
POS terminal, for obtaining location information caused by the Transaction Information and transaction that user is traded and by the friendship Easy information and the location information are sent to following asset management devices;
Bank card association system, receive the Transaction Information and the location information from the POS terminal and be forwarded to following DAF;And
Bank card data analytical equipment, statistical analysis is carried out according to regulation dimension to the Transaction Information and the location information and obtained Statistic analysis result is obtained, and is notified according to the statistic analysis result generation strategy information, and by the policy information of generation To corresponding holder.
Preferably, the bank card data analysis system of the invention based on POS terminal is further equipped with:
Bank card data storage facilities is used to store analysis result and the policy information that the bank card data analytical equipment obtains.
Preferably, the POS terminal possesses positioning function.
Preferably, the bank card data analytical equipment possesses:
Hot zones analysis module, transaction is polymerize according to the location information and is handled and obtains hot zones information;
User behavior analysis module, analyzed according to the user behavior information included in the Transaction Information and obtain user's row For information;
Data statistics module, united according to the information from the hot zones analysis module and the customer analysis module Meter is analyzed, also, carries out statistical analysis to the Transaction Information and the location information, thus generation strategy basis big data;
Trick play management module, for registration and management policy information and policy information progress additions and deletions are changed and looked into;
Policy generation module, according to the policy grounds big data for carrying out the data statistics module and from the tactical management activity The policy information of management module calculates generation pushed information;And
Info push module, the pushed information that the policy generation module generates is pushed to user.
Preferably, the user behavior analysis module is swiped the card frequency, user card punching according to information trading time, number of users Low spot, card using information are analyzed the Transaction Information of user and calculate acquisition user preference information.
Preferably, the hot zones analysis module, the rule according to regulation is carried out to transaction according to the location information Sorted out and arrange acquisition to obtain hot zones information.
The bank card data analytical equipment based on POS terminal of the present invention, its feature is again with possessing:
Hot zones analysis module, transaction is polymerize according to the location information of POS terminal and is handled and obtains hot zones Information;
User behavior analysis module, analyzed and obtained according to the user behavior information included in the Transaction Information of POS terminal User behavior information;
Data statistics module, united according to the information from the hot zones analysis module and the customer analysis module Meter is analyzed, also, the Transaction Information to POS terminal and location information progress statistical analysis, thus generation strategy basis big data;
Trick play management module, for registration and management policy information and policy information progress additions and deletions are changed and looked into;
Policy generation module, according to the policy grounds big data for carrying out the data statistics module and from the tactical management activity The policy information of management module calculates generation pushed information;And
Info push module, the pushed information that the policy generation module generates is pushed to user.
Preferably, the user behavior analysis module is swiped the card frequency, user card punching according to information trading time, number of users Low spot, card using information are analyzed the Transaction Information of user and calculate acquisition user preference information.
Preferably, the hot zones analysis module, the rule according to regulation is carried out to transaction according to the location information Sorted out and arrange acquisition to obtain hot zones information.
Preferably, the pushed information that described information pushing module generates the policy generation module with short message, wechat or Person's Email forms are pushed to user.
According to the bank card data analysis system based on POS terminal of the present invention, the consumption for the people that swipes the card can be not only analyzed Behavior, marketing message is pushed, can also generate and constantly improve the other systems that marketing big data is bank card association system Data supporting and service are provided.Just can constantly it be adjusted using the bank card data analysis system based on POS terminal of the present invention The strategy of entire data statistics and analysis, rule, to find the focus of holder's consumer behavior, so as to make anticipation earlier, Carry out corresponding marketing activity in advance, stimulate the consumption big data of holder to refer to transaction data, marketing activity statistics.
Brief description of the drawings
Fig. 1 is the organigram for representing the bank card data analysis system based on POS terminal of the present invention.
Fig. 2 is that the bank card data analysis in the bank card data analysis system based on POS terminal for represent the present invention is set Standby 300 organigram.
Embodiment
What is be described below is some in multiple embodiments of the invention, it is desirable to provide to the basic understanding of the present invention.And It is not intended to the crucial or conclusive key element for confirming the present invention or limits scope of the claimed.
It is briefly described firstly, for some terms that can be mentioned in the present invention.
Bank card(Bank Card):The financial institutions such as business bank have consumer credit, knot of transferring accounts to society's distribution Calculate, access the credit payment instrument of all or part of functions such as cash.
Point of sales terminal (point of sale;POS):Bank card information can be received, there is communication function, and receive The instruction of teller and complete financial transaction information and the equipment exchanged for information about.Mobile sale point terminal (mobile point of sale;MPOS):Bank card information can be received, there is communication function, and receive the instruction of teller and complete financial transaction Information and the equipment exchanged for information about, at any time networking simultaneously have GPS module.
POS centers (POS center):Receive, handle or forward POS transaction request information, and merchandised to POS loopbacks The mechanism of object information.
Franchised business (merchant) is signed with trade company's agreement with receiving single file, the retailer of receiving bank's card, individual, company or Its hetero-organization.
Acquirer (acquirer) be have signed agreement with trade company or provide service for holder, directly or indirectly with trading card According to(Including electronic documents or paper document)Participate in clearing members' unit of exchange.
Mobile POS has networks, carries the feature that GPS can be positioned at any time at any time, and for this feature, the present invention proposes A kind of bank card data analysis system that can be carried out marketing analysis using mobile POS and orient marketing message push.This The bank card data analysis system based on POS terminal of invention can collect various necessary informations of the consumer when swiping the card, and return Pass to bank card association system, handled and analyzed, at the same according to analysis result be directed to consumer's advertisement, it is preferential, The marketing messages such as Discount Promotion.
Then, illustrated for the bank card data analysis system based on POS terminal of the present invention.
Fig. 1 is the organigram for representing the bank card data analysis system based on POS terminal of the present invention.
As shown in figure 1, the bank card data analysis system based on POS terminal of the present invention possesses:POS terminal 100, bank Card association system 200, bank card data analytical equipment 300 and bank card data storage facilities 400.
POS terminal 100 is used to obtaining user and carried out swiping the card etc. on a pos device the Transaction Information of transaction, also, POS is set Standby 100 possess positioning function, can obtain GPS location information caused by transaction, and POS terminal 100 determines Transaction Information and GPS Position information transmission is to bank card association system 200.
Bank card association system 200 receives Transaction Information and GPS location information from POS terminal 100 and is forwarded to bank card DAF 300.Acquirer is there is likely to be between bank card association system 200 in addition, being connect in POS terminal 100, Communication process details between them belongs to prior art and omitted the description here(It for details, reference can be made to《Bank card networking alliance technology The section communication interface specification of specification the 5th》).
Bank card data analytical equipment 300 is believed the Transaction Information and GPS location that are received from bank card association system 200 Breath carries out statistical analysis according to regulation dimension and obtains statistic analysis result, will according to statistic analysis result generation strategy information The policy information of generation(Such as marketing message)Notify to corresponding holder.Here, bank card data analytical equipment 300 can be with Using the SSH2 frameworks that industry is ripe, can be deployed on the main flow container such as TOMCAT JBOSS, WEBLOGIC, it is compatible The databases such as Oracle and MySQL.Network communication portion is write using the ICP/IP protocol based on socket, sternly Lattice follow the newest direct connection POS transaction real-time synchronization interface specifications of bank card association system.Bank card data analytical equipment 300 with Bank card association system 200 is established by ICP/IP protocol and connects and exchange data.
Bank card data storage facilities 400 is used for the analysis result and plan that storage bank card DAF 300 obtains Slightly information.
Then, carried out briefly for the workflow of the bank card data analysis system based on POS terminal of the present invention It is bright.
As shown in figure 1, step S100:Client carries out transaction of swiping the card in mobile POS terminal 100;Step S200:POS is set It is standby by Transaction Information and GPS location information back to bank card association system 200;Step S300:Bank card association system 200 will Data per transaction are transmitted to bank card data analytical equipment 300 and carry out data analysis;Step 400:Bank card data analysis is set Standby 300 pairs of data Jing Guo data analysis are counted and store bank card data storage facilities 400;Step S500:Bank Card DAF 300 is after data analysis is carried out, according to certain rule to pushes customer marketing message of swiping the card.
Secondly, for the bank card number of the most important component parts in the bank card data analysis system as the present invention Illustrated according to analytical equipment 300.
Fig. 2 is that the bank card data analysis in the bank card data analysis system based on POS terminal for represent the present invention is set Standby 300 organigram.
As shown in Fig. 2 bank card data analytical equipment 300 possesses:Hot zones analysis module 301, user behavior analysis Module 302, data statistics module 303, trick play management module 304, policy generation module 305 and info push module 306。
Hot zones analysis module 301 is polymerize to transaction according to Transaction Information and location information and is handled and obtain heat Point regional information.Hot zones analysis module 301 is carried out using the GPS location information from POS terminal 100 to each transaction Polymerization and processing, analyze each amount of swiping the card of area in different time sections, and hot zones row is produced according to the amount of swiping the card Data are simultaneously transmitted to data statistics module and counted by name.Wherein, polymerization processing is referred to for transaction data according to setting in advance The rule set is sorted out and arranged, and focus ranking is generally referred to according to the overall consumption amount of money, single spending amount, overall consumption The ordering rules such as stroke count, the consumption stroke count in the range of certain time or the amount of money, area or trade company are subjected to ranking, then by ranking Forward area or trade company are sorted out or divided, and the hot zones of marketing activity are set, in order to improve the shadow of marketing activity Ring power or scope.
User behavior analysis module 302 is analyzed according to the user behavior information included in Transaction Information and obtains user Behavioural information.Specifically, user behavior analysis module 302 is according to time, user card punching frequency, the low spot of swiping the card of user, brush Trading activity of the card information to user is analyzed, and is obtained user in trade company and commodity and temporal preference information and will be tied Fruit sends data statistics module 302 to and counted.Wherein, low spot of swiping the card refers to analyzing obtained some time according to transaction data The minimum low value of the spending amount or stroke count of Jian Duanhuomou trade companies, all transaction data are from bank card association system 200 Obtain.Here, the existing means of data analysis and process Main Basiss, for example sort, collect or set according to historical experience The data analysis and conclusion that corresponding processing rule is carried out.
Data statistics module 302 is pressed according to the information from hot zones analysis module 301 and customer analysis module 302 Statistical analysis and generation strategy basis big data are carried out according to dimensions such as trade company, mechanism, place, times.On the other hand, data statistics Module 302 also may be arranged as carrying out statistical analysis to Transaction Information and location information.
Trick play management module 304 is used to registration and management policy information and changes policy information progress additions and deletions look into.
Policy generation module 305 is according to the policy grounds big data from data statistics module 303 and from tactical management The policy information of campaign management module 304 calculates generation pushed information.Specifically policy generation module 305 is according to data statistics mould Information caused by block 303, with reference to the marketing activity of 304 inner registration of tactical management campaign management module, marketing strategy is generated, will Which certain types of bank card holder is what kind of advertising promotion information be pushed to.On the other hand, system manager goes back Marketing strategy can be added and changed manually in policy generation module 305, and the manually push to marketing message produces intervention.
The pushed information that policy generation module 305 generates is pushed to user by info push module 306.Pushed as information Method, such as have short message, wechat, email etc..
According to the bank card data analysis system based on POS terminal of the present invention, the consumption for the people that swipes the card can be not only analyzed Behavior, marketing message is pushed, can also generate and constantly improve the other systems that marketing big data is bank card association system Data supporting and service are provided.The consumer behavior of holder can change, and marketing activity is if unalterable, slowly Slowly will lose its reliss, on the other hand, just can be continuous using the bank card data analysis system based on POS terminal of the present invention Strategy, the rule of data statistics and analysis are adjusted, to find the focus of holder's consumer behavior, so as to make anticipation earlier, is carried It is preceding to carry out corresponding marketing activity, stimulate the consumption big data of holder to refer to transaction data, marketing activity statistics.
Example above primarily illustrates the bank card data analysis system based on POS terminal of the present invention.Although only to it In some embodiments of the invention be described, but those of ordinary skill in the art are it is to be appreciated that the present invention can By without departing from its spirit with scope in the form of many other implement.Therefore, the example that is shown and embodiment by regarding To be illustrative and not restrictive, the situation of the spirit and scope of the present invention as defined in appended claims is not being departed from Under, the present invention may cover various modification and replacement.

Claims (10)

1. a kind of bank card data analysis system based on POS terminal, it is characterised in that possess:
POS terminal, for obtaining location information caused by the Transaction Information and transaction that user is traded and by the friendship Easy information and the location information are sent to following asset management devices;
Bank card association system, receive the Transaction Information and the location information from the POS terminal and be forwarded to following DAF;And
Bank card data analytical equipment, statistical analysis is carried out according to regulation dimension to the Transaction Information and the location information and obtained Statistic analysis result is obtained, and is notified according to the statistic analysis result generation strategy information, and by the policy information of generation To corresponding holder.
2. the bank card data analysis system based on POS terminal as claimed in claim 1, it is characterised in that be further equipped with:
Bank card data storage facilities, for storing analysis result and the strategy letter that the bank card data analytical equipment obtains Breath.
3. the bank card data analysis system based on POS terminal as claimed in claim 1 or 2, it is characterised in that
The POS terminal possesses positioning function.
4. the bank card data analysis system based on POS terminal as claimed in claim 3, it is characterised in that the bank card DAF possesses:
Hot zones analysis module, transaction is polymerize according to the location information and is handled and obtains hot zones information;
User behavior analysis module, analyzed according to the user behavior information included in the Transaction Information and obtain user's row For information;
Data statistics module, united according to the information from the hot zones analysis module and the customer analysis module Meter is analyzed, also, carries out statistical analysis to the Transaction Information and the location information, thus generation strategy basis big data;
Trick play management module, for registration and management policy information and policy information progress additions and deletions are changed and looked into;
Policy generation module, according to the policy grounds big data for carrying out the data statistics module and from the tactical management activity The policy information of management module calculates generation pushed information;And
Info push module, the pushed information that the policy generation module generates is pushed to user.
5. the bank card data analysis system based on POS terminal as claimed in claim 4, it is characterised in that
The user behavior analysis module is swiped the card frequency, the low spot of user card punching, letter of swiping the card according to information trading time, number of users Cease and the Transaction Information of user is analyzed and calculates acquisition user preference information.
6. the bank card data analysis system based on POS terminal as claimed in claim 4, it is characterised in that
The hot zones analysis module, transaction is carried out according to the location information according to the rule of regulation sort out and whole Reason is obtained to obtain hot zones information.
7. a kind of bank card data analytical equipment based on POS terminal, its feature is again with possessing:
Hot zones analysis module, transaction is polymerize according to the location information of POS terminal and is handled and obtains hot zones Information;
User behavior analysis module, analyzed and obtained according to the user behavior information included in the Transaction Information of POS terminal User behavior information;
Data statistics module, united according to the information from the hot zones analysis module and the customer analysis module Meter is analyzed, also, the Transaction Information to POS terminal and location information progress statistical analysis, thus generation strategy basis big data;
Trick play management module, for registration and management policy information and policy information progress additions and deletions are changed and looked into;
Policy generation module, according to the policy grounds big data for carrying out the data statistics module and from the tactical management activity The policy information of management module calculates generation pushed information;And
Info push module, the pushed information that the policy generation module generates is pushed to user.
8. the bank card data analytical equipment based on POS terminal as claimed in claim 7, it is characterised in that
The user behavior analysis module is swiped the card frequency, the low spot of user card punching, letter of swiping the card according to information trading time, number of users Cease and the Transaction Information of user is analyzed and calculates acquisition user preference information.
9. the bank card data analytical equipment based on POS terminal as claimed in claim 7, it is characterised in that
The hot zones analysis module, transaction is carried out according to the location information according to the rule of regulation sort out and whole Reason is obtained to obtain hot zones information.
10. the bank card data analytical equipment based on POS terminal as claimed in claim 7, it is characterised in that
Described information pushing module is by the pushed information that the policy generation module generates in the form of short message, wechat or Email It is pushed to user.
CN201610806504.1A 2016-09-07 2016-09-07 Bank card data analysis system based on POS equipment Active CN107798551B (en)

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CN107798551B CN107798551B (en) 2023-07-11

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CN110335074A (en) * 2019-06-29 2019-10-15 上海淇馥信息技术有限公司 Financial customized information pushing method, apparatus and electronic equipment

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