CN107798551B - Bank card data analysis system based on POS equipment - Google Patents
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Abstract
The invention relates to a bank card data analysis system based on POS equipment. The system is provided with: the POS equipment is used for acquiring transaction information of a user for transaction and positioning information generated by the transaction and transmitting the transaction information and the positioning information to the resource management equipment; the bank card combination system receives the transaction information and the positioning information from the POS equipment and forwards the transaction information and the positioning information to the data analysis equipment; and the bank card data analysis equipment performs statistical analysis on the transaction information and the positioning information according to a specified dimension to obtain a statistical analysis result, generates strategy information according to the statistical analysis result, and notifies the generated strategy information to a corresponding cardholder. According to the invention, the transaction information and the positioning information of the POS equipment can be analyzed, and the marketing information can be directionally pushed to the cardholder.
Description
Technical Field
The invention relates to a communication technology, in particular to a bank card data analysis system based on POS equipment.
Background
Currently, electronic commerce is actively developed in the market, wherein the electronic commerce is a commercial activity taking information network technology as a means and taking commodity exchange as a center; it can also be understood that the transaction activities and related service activities performed in an electronic transaction manner on the Internet (Internet), an Intranet (Intranet) and a value added network (VAN, value Added Network) are electronic, networked and informationized in each link of the conventional business activities.
With the explosive development of electronic commerce, mobile payment terminals, particularly mobile POS devices, are increasingly used. POS (point of sale) the equipment is a multifunctional terminal, and it is installed in the special merchant and acceptance site of credit card and connected with computer to form a network, so that it can implement automatic transfer of electronic funds. The mobile POS device is a mobile POS device that can be networked at any time and is self-contained with GPS functionality.
Technical solutions for performing various data processing on payment information of POS devices and thus providing various marketing analyses have not been proposed in the prior art.
Disclosure of Invention
In view of the above, the present invention aims to provide a bank card data analysis system based on a POS device, which is capable of performing data processing on transaction information and location information of a mobile POS device and directing information to a consumer according to the data processing result.
The bank card data analysis system based on POS equipment of the invention is characterized in that the system comprises:
the POS equipment is used for acquiring transaction information of a user for transaction and positioning information generated by the transaction and transmitting the transaction information and the positioning information to the resource management equipment;
the bank card combination system receives the transaction information and the positioning information from the POS equipment and forwards the transaction information and the positioning information to the data analysis equipment; and
and the bank card data analysis equipment performs statistical analysis on the transaction information and the positioning information according to a specified dimension to obtain a statistical analysis result, generates strategy information according to the statistical analysis result, and notifies the generated strategy information to a corresponding cardholder.
Preferably, the POS device-based bank card data analysis system of the present invention further includes:
and the bank card data storage device is used for storing the analysis result and the strategy information obtained by the bank card data analysis device.
Preferably, the POS device has a positioning function.
Preferably, the bank card data analysis device includes:
the hot spot area analysis module is used for aggregating and processing the transaction according to the positioning information and obtaining hot spot area information;
the user behavior analysis module is used for analyzing and obtaining user behavior information according to the user behavior information contained in the transaction information;
the data statistics module performs statistical analysis according to the information from the hot spot area analysis module and the user analysis module, and performs statistical analysis on the transaction information and the positioning information, so as to generate policy basic big data;
the policy activity management module is used for registering and managing policy information and performing addition, deletion and verification on the policy information;
the policy generation module is used for calculating and generating push information according to the policy basic big data from the data statistics module and the policy information from the policy management activity management module; and
and the information pushing module is used for pushing the pushing information generated by the strategy generating module to the user.
Preferably, the user behavior analysis module analyzes the transaction information of the user according to the information transaction time, the user card swiping frequency, the low point of the user card swiping and the card swiping information, and calculates and obtains the user preference information.
Preferably, the hotspot area analysis module classifies and sorts the transaction according to the positioning information and the rule to obtain the hotspot area information.
The bank card data analysis device based on POS device of the invention is characterized in that the device comprises:
the hotspot area analysis module is used for aggregating and processing the transaction according to the positioning information of the POS equipment and obtaining hotspot area information;
the user behavior analysis module is used for analyzing and obtaining user behavior information according to the user behavior information contained in the transaction information of the POS equipment;
the data statistics module performs statistical analysis according to the information from the hot spot area analysis module and the user analysis module, and performs statistical analysis on transaction information and positioning information of the POS equipment, so as to generate policy basic big data;
the policy activity management module is used for registering and managing policy information and performing addition, deletion and verification on the policy information;
the policy generation module is used for calculating and generating push information according to the policy basic big data from the data statistics module and the policy information from the policy management activity management module; and
and the information pushing module is used for pushing the pushing information generated by the strategy generating module to the user.
Preferably, the user behavior analysis module analyzes the transaction information of the user according to the information transaction time, the user card swiping frequency, the low point of the user card swiping and the card swiping information, and calculates and obtains the user preference information.
Preferably, the hotspot area analysis module classifies and sorts the transaction according to the positioning information and the rule to obtain the hotspot area information.
Preferably, the information pushing module pushes the pushing information generated by the policy generating module to the user in a form of short message, micro message or Email.
According to the bank card data analysis system based on the POS equipment, the consumption behavior of a card reader can be analyzed, marketing information can be pushed, marketing big data can be generated and continuously perfected, and data support and service can be provided for other systems of the bank card combined system. The bank card data analysis system based on the POS equipment can continuously adjust the strategy and the rule of data statistics and analysis so as to find hot spots of the consumption behavior of a cardholder, so that the pre-judgment can be made earlier, corresponding marketing activities can be developed in advance, and the consumption big data of the stimulated cardholder refer to transaction data and marketing activity statistics data.
Drawings
Fig. 1 is a schematic diagram showing the construction of a bank card data analysis system based on a POS device according to the present invention.
Fig. 2 is a schematic diagram showing the construction of a bank card data analysis device 300 in the POS device-based bank card data analysis system of the present invention.
Detailed Description
The following presents a simplified summary of the invention in order to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention.
First, some terms that will be mentioned in the present invention will be briefly described.
A Bank Card (bankcard) is a credit payment tool issued to society by a financial institution such as a commercial Bank and having all or part of functions such as credit consumption, account transfer, and cash access.
And a POS (point of sale) capable of receiving the information of the bank card, having a communication function, and receiving the instruction of a teller to complete the exchange of the financial transaction information and the related information. And the mobile point-of-sale terminal (mobile point of sale; MPOS) is a device which can receive the information of the bank card, has a communication function, receives the instruction of a teller to complete the exchange of financial transaction information and related information, is connected with the Internet at any time and has a GPS module.
A POS center (POS center), which is a mechanism for receiving, processing, or forwarding the transaction request information of the POS and sending back the transaction result information to the POS.
The special merchant (merchant) signs a merchant agreement with the acquirer to accept the retailer, person, company or other organization of the bank card.
An acquirer (acquirer) agrees with the merchant or provides services to the cardholder, directly or indirectly via a transaction document (including an electronic document or a paper document) to a clearing member unit for exchange.
The invention provides a bank card data analysis system capable of carrying out marketing analysis and directional marketing information pushing by using a mobile POS machine. The bank card data analysis system based on the POS equipment can collect various necessary information of a consumer when the consumer swipes the card, and transmit the information back to the bank card combination system for processing and analysis, and meanwhile, marketing information such as advertisements, preferential, discounts and promotions and the like is pushed to the consumer in a targeted manner according to an analysis result.
Next, a bank card data analysis system based on POS equipment according to the present invention will be described.
Fig. 1 is a schematic diagram showing the construction of a bank card data analysis system based on a POS device according to the present invention.
As shown in fig. 1, the bank card data analysis system based on the POS device of the present invention includes: POS device 100, bank card combination system 200, bank card data analysis device 300, and bank card data storage device 400.
The POS device 100 is configured to obtain transaction information of a transaction such as a card swiping performed by a user on the POS device, and the POS device 100 has a positioning function, and is capable of obtaining GPS positioning information generated by the transaction, and the POS device 100 transmits the transaction information and the GPS positioning information to the bank card combination system 200.
The bank card unification system 200 receives transaction information and GPS positioning information from the POS device 100 and forwards to the bank card data analysis device 300. In addition, there may be an acquirer between the POS device 100 and the bank card unified system 200, and details of communication processing between them belong to the related art and are not described here (see, for details, part 5 of the communication interface Specification of the bank card networking unified specification).
The bank card data analysis device 300 performs statistical analysis on the transaction information and the GPS positioning information received from the bank card combination system 200 according to a prescribed dimension and obtains a statistical analysis result, generates policy information according to the statistical analysis result, and notifies the generated policy information (e.g., marketing information) to the corresponding cardholder. Here, the bank card data analysis device 300 may adopt an SSH2 architecture mature in industry, and may be deployed on mainstream containers such as TOMCAT jbos, weblog, and the like, and is compatible with databases such as Oracle and MySQL. The network communication part is written by using a TCP/IP protocol based on socket, and strictly follows the latest real-time synchronous interface specification of the direct POS transaction of the bank card combined system. The bank card data analysis apparatus 300 establishes a connection with the bank card unified system 200 through a TCP/IP protocol and exchanges data.
The bank card data storage device 400 is used for storing the analysis result and the policy information obtained by the bank card data analysis device 300.
Next, a simple description will be given of the workflow of the POS device-based bank card data analysis system of the present invention.
As shown in fig. 1, step S100: the customer performs a swipe transaction on the mobile POS device 100; step S200: the POS device transmits the transaction information and GPS positioning information back to the bank card combination system 200; step S300: the bank card combination system 200 transmits the data of each transaction to the bank card data analysis device 300 for data analysis; step 400: the bank card data analysis device 300 counts the data analyzed by the data and stores the data in the bank card data storage device 400; step S500: after performing data analysis, the bank card data analysis device 300 pushes marketing information to the card swiping client according to a certain rule.
Next, a bank card data analysis apparatus 300, which is the most important component in the bank card data analysis system of the present invention, will be described.
Fig. 2 is a schematic diagram showing the construction of a bank card data analysis device 300 in the POS device-based bank card data analysis system of the present invention.
As shown in fig. 2, the bank card data analysis device 300 includes: a hotspot region analysis module 301, a user behavior analysis module 302, a data statistics module 303, a policy activity management module 304, a policy generation module 305, and an information push module 306.
The hotspot zone analysis module 301 aggregates and processes transactions and obtains hotspot zone information based on the transaction information and the location information. The hot spot analysis module 301 aggregates and processes each transaction using GPS location information from the POS device 100, analyzes the amount of swipes of each zone in different time periods, creates a hot spot rank according to the amount of swipes, and transmits the data to the data statistics module for statistics. The aggregation processing refers to classifying and arranging transaction data according to preset rules, and the hot spot ranking mainly refers to ranking regions or merchants according to ordering rules such as total consumption amount, single consumption amount, total consumption amount, consumption amount or amount in a certain time range, and the like, and then classifying or dividing regions or merchants with the top ranking, and setting hot spot regions of marketing activities so as to improve influence or range of the marketing activities.
The user behavior analysis module 302 analyzes and obtains user behavior information according to the user behavior information contained in the transaction information. Specifically, the user behavior analysis module 302 analyzes the transaction behavior of the user according to the time, the user card swiping frequency, the user card swiping low point and the card swiping information, obtains the preference information of the user on the merchant, the commodity and the time, and transmits the result to the data statistics module 302 for statistics. The low point of card swiping refers to a low value with the lowest consumption amount or number of a certain time period or a certain merchant according to analysis of transaction data, and all the transaction data are obtained from the bank card combination system 200. Here, the data analysis and processing is mainly performed according to existing means, such as sorting, summarizing, or setting corresponding processing rules according to historical experience.
The data statistics module 302 performs statistical analysis according to dimensions of merchants, institutions, places, time and the like according to information from the hot spot area analysis module 301 and the user analysis module 302 and generates policy base big data. On the other hand, the data statistics module 302 may also be configured to perform statistical analysis on the transaction information and the positioning information.
The policy activity management module 304 is used to register and manage policy information and make a censoring check on the policy information.
The policy generation module 305 generates push information based on policy base big data from the data statistics module 303 and policy information calculation from the policy management activity management module 304. Specifically, the policy generation module 305 generates a marketing policy, i.e., what type of advertising promotion information is pushed to which specific type of bank card holder, in accordance with the information generated by the data statistics module 303 in conjunction with the marketing campaign registered in the policy management campaign management module 304. On the other hand, the system administrator may also manually add and modify marketing strategies within the strategy generation module 305, with human intervention in the pushing of marketing messages.
The information pushing module 306 pushes the pushing information generated by the policy generation module 305 to the user. Examples of the method for pushing information include short messages, micro messages, emails, and the like.
According to the bank card data analysis system based on the POS equipment, the consumption behavior of a card reader can be analyzed, marketing information can be pushed, marketing big data can be generated and continuously perfected, and data support and service can be provided for other systems of the bank card combined system. The consumption behavior of the cardholder is changed, if the marketing activity is unchanged, the marketing activity is gradually unattractive, and in this way, the bank card data analysis system based on the POS device can continuously adjust the strategy and rule of data statistics and analysis so as to find out the hot spot of the consumption behavior of the cardholder, thereby making a pre-judgment earlier, developing corresponding marketing activity in advance, and stimulating the consumption big data of the cardholder to refer to transaction data and marketing activity statistics data.
The above examples mainly illustrate the POS device-based bank card data analysis system of the present invention. Although only a few specific embodiments of the present invention have been described, those skilled in the art will appreciate that the present invention may be embodied in many other forms without departing from the spirit or scope thereof. Accordingly, the present examples and embodiments are to be considered as illustrative and not restrictive, and the invention is intended to cover various modifications and substitutions without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (8)
1. A bank card data analysis system based on POS equipment, comprising:
the POS equipment is used for acquiring transaction information of a user for transaction and positioning information generated by the transaction and transmitting the transaction information and the positioning information to the resource management equipment;
the bank card combination system receives the transaction information and the positioning information from the POS equipment and forwards the transaction information and the positioning information to the data analysis equipment; and
a bank card data analysis device for carrying out statistical analysis on the transaction information and the positioning information according to a specified dimension to obtain a statistical analysis result, generating strategy information according to the statistical analysis result, notifying the generated strategy information to a corresponding cardholder,
wherein the bank card data analysis device comprises:
the hot spot area analysis module is used for aggregating and processing the transaction according to the positioning information and obtaining hot spot area information;
the user behavior analysis module is used for analyzing and obtaining user behavior information according to the user behavior information contained in the transaction information;
the data statistics module performs statistical analysis according to the information from the hot spot area analysis module and the user behavior analysis module, and performs statistical analysis on the transaction information and the positioning information, so as to generate policy basic big data;
the policy activity management module is used for registering and managing policy information and performing addition, deletion and verification on the policy information;
the strategy generation module is used for calculating and generating push information according to the strategy basic big data from the data statistics module and the strategy information from the strategy activity management module; and
the information pushing module pushes the pushing information generated by the strategy generating module to the user,
wherein the hot spot area analysis module utilizes positioning information from POS equipment to aggregate and process each transaction, analyzes card swiping amount of each area in different time periods, makes hot spot area ranking according to the card swiping amount and transmits data to the data statistics module for statistics,
and the data statistics module performs statistical analysis according to the information from the hot spot area analysis module and the user behavior analysis module according to the dimensions of merchants, institutions, places and time and generates policy basic big data.
2. The POS device-based bank card data analysis system according to claim 1, further comprising: and the bank card data storage device is used for storing the analysis result and the strategy information obtained by the bank card data analysis device.
3. The POS device-based banking card data analysis system of claim 1 or 2, wherein,
the POS device has a positioning function.
4. The POS device-based banking card data analysis system of claim 1, wherein,
and the hot spot area analysis module classifies and sorts the transaction according to the positioning information and the rule to obtain the hot spot area information.
5. A bank card data analysis device based on POS device is characterized in that:
the hotspot area analysis module is used for aggregating and processing the transaction according to the positioning information of the POS equipment and obtaining hotspot area information;
the user behavior analysis module is used for analyzing and obtaining user behavior information according to the user behavior information contained in the transaction information of the POS equipment;
the data statistics module performs statistical analysis according to the information from the hot spot area analysis module and the user behavior analysis module, and performs statistical analysis on transaction information and positioning information of the POS equipment, so as to generate policy basic big data;
the policy activity management module is used for registering and managing policy information and performing addition, deletion and verification on the policy information;
the strategy generation module is used for calculating and generating push information according to the strategy basic big data from the data statistics module and the strategy information from the strategy activity management module; and
the information pushing module pushes the pushing information generated by the strategy generating module to the user,
wherein the hot spot area analysis module utilizes positioning information from POS equipment to aggregate and process each transaction, analyzes card swiping amount of each area in different time periods, makes hot spot area ranking according to the card swiping amount and transmits data to the data statistics module for statistics,
and the data statistics module performs statistical analysis according to the information from the hot spot area analysis module and the user behavior analysis module according to the dimensions of merchants, institutions, places and time and generates policy basic big data.
6. The POS device-based banking card data analysis device of claim 5, wherein,
the user behavior analysis module analyzes the transaction information of the user according to the information transaction time, the user card swiping frequency, the low point of the user card swiping and the card swiping information and calculates and obtains the user preference information.
7. The POS device-based banking card data analysis device of claim 5, wherein,
and the hot spot area analysis module classifies and sorts the transaction according to the positioning information and the rule to obtain the hot spot area information.
8. The POS device-based banking card data analysis device of claim 5, wherein,
and the information pushing module pushes the pushing information generated by the strategy generating module to a user in the form of short messages, micro messages or Email.
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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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