CN108009813A - Bank card business dealing strange land leads to function realizing method and device - Google Patents
Bank card business dealing strange land leads to function realizing method and device Download PDFInfo
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- CN108009813A CN108009813A CN201711162034.0A CN201711162034A CN108009813A CN 108009813 A CN108009813 A CN 108009813A CN 201711162034 A CN201711162034 A CN 201711162034A CN 108009813 A CN108009813 A CN 108009813A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The present invention discloses a kind of bank card business dealing strange land and leads to function realizing method and device, including：According to the area code of Trading parties, the PCTY of Trading parties is read, same city billing relationship He Tong is pre-configured with PCTY and saves billing relationship；Compare the PCTY of Trading parties, determine whether Trading parties belong to same city or inside the province strange land；If Trading parties belong to Tong Cheng, transaction charge is determined by same city；If Trading parties belong to strange land inside the province or transprovincially, the PROD of transactional cards is read, is pre-configured with transactional cards in PROD and whether opens strange land leading to function；If transactional cards, which open strange land, leads to function, the RLRG of transactional cards is read, the binding ground field mark of transactional cards is pre-configured with RLRG；Transaction charge is determined according to binding ground field mark；If transactional cards, which do not open strange land, leads to function, transaction charge is determined by strange land inside the province or transprovincially still according to comparative result.Configurability and flexibility that bank card business dealing strange land leads to function can be improved, improves customer experience.
Description
Technical field
The present invention relates to bank data processing technology field, more particularly to bank card business dealing strange land lead to function realizing method and
Device.
Background technology
At present, credit card issuer calculate ATM transaction procedures expense be according to the area code in networking authority identification code judge it is cross-border, across
Row, strange land or same city, point this 5 kinds of situations are charged transprovincially, inside the province.But bank face more and more situations, it is necessary to
Client provides strange land with city charging function, such as：
1st, the needs of economic integration business development.In order to make client in same economic circle (such as Jing-jin-ji region, Chang Zhu Tan
Deng) progress ATM transfers accounts and can charge according to the pattern in same city, rather than charges according to the region of Unionpay's division, need
Region is repartitioned, to realize that client strange land ATM transaction procedures expense collects service charge according to the transaction of same city.
2nd, the mobility enhancing of client.Different urban works, Huo Zheqi may be removed after more and more university student's graduations
His reason causes job site to change needs in the long-term life in several places, is at this time also needed to client and provides same city
The function of strange land charge, allows client to set different cities according to need of work, bank is according to the city that client is set according to same city
Scale fee.
3rd, national economy form changes.Start the Belt and Road world economy circle within 2017, overseas national and domestic country
When commerce and trade, bank can excavate client, there is provided good bank card service, it is allowed to which client refers in country variant
Domestic mode collects ATM transaction procedure expenses.
ATM transaction is as follows according to traditional charge method that region characteristic carries out：
First, domestic point inside the province strange land, transprovincially, with city collect service charge
1st, card sending mechanism is inquired according to transaction card number, then reading card sending mechanism from BRHM (institution table) corresponds to networking machine
Structure identification code；
2nd, PCTY (districts and cities of Unionpay code table) is retrieved with the presence or absence of city codes record after obtaining networking authority identification code；
3rd, city codes are converted to XX00 retrieval PCTY if city codes are not obtained with the presence or absence of code at county level to remember
Record；
4th, corresponding city codes and provincial code are recorded compared with receiving the receipts list area code sent on single file according to this
Obtain ground field mark (same to city, inside the province strange land, transprovincially)；
If the 5th, it is related to money transfer transactions, it is also necessary to the definite last ground field mark compared with the side's of being transferred to card sending mechanism.
2nd, overseas withdraw the money with reference to inquiry into balance, ATM and collect service charge
According to sending area code to obtain 3 country codes in Unionpay, service charge is overseas collected in non-Chinese reference.
As it can be seen that it is merely capable of receiving according to the ATM points of region of City relationship progress of Unionpay's division within the border under traditional charge method
Take calculating, for countries all overseas according to identical charge method.Region zones mode is dumb, can not be sent out according to economy
Spread gesture and client's marketing flexibly calculate service charge.
Current existing solution be by by corresponding districts and cities of the Unionpay code configuration of mechanism of different provinces in BRHM into phase
With districts and cities of Unionpay code, that is, realize and card sending mechanism corresponded into the Unionpay that districts and cities of Unionpay codes becomes another city by force
City's code, concrete methods of realizing are：If it is desired to A cities are charged with B cities according to same city, then need to adjust 2 areas in BRHM
Districts and cities of Unionpay code be consistent, when ATM transaction occurs in B cities for the transactional cards of such A cities issued by banks, receive single file inquiry
Go out card sending mechanism, new districts and cities of the Unionpay code configured according to card sending mechanism in BRHM, districts and cities of the Unionpay code of A cities transactional cards
Consistent with districts and cities of the Unionpay code of B cities acquirer, system can realize same city charge at this time.And in the case of overseas, mesh
It is preceding that solution temporarily is not present.
Change in BRHM after corresponding districts and cities of the Unionpay code of mechanism, although can meet client between this 2 cities of A, B
Merchandise according to same city, but there are client Yi Dan specify A cities districts and cities of Unionpay code for B cities districts and cities of Unionpay code after, client
In A cities, all transaction can all become strange land and merchandise.It can not so meet that client merchandises according to same city at the same time in two city of A, B,
Influence whether transaction of the every other client in this city, ask there are configurability is poor, very flexible, customer experience difference etc. are multiple
Topic.
The content of the invention
The embodiment of the present invention provides a kind of bank card business dealing strange land and leads to function realizing method, different to improve bank card business dealing
Ground leads to configurability and the flexibility of function, and improves customer experience, and this method includes：
According to the area code of Trading parties, districts and cities of the Unionpay code table PCTY of Trading parties is read, it is pre-configured in PCTY
There is same city billing relationship He Tong to save billing relationship；
Compare the PCTY of Trading parties, determine whether Trading parties belong to same city or inside the province strange land according to comparative result；
If comparative result shows that Trading parties belong to Tong Cheng, transaction charge is determined by same city；
If comparative result shows that Trading parties belong to strange land inside the province or transprovincially, the product attribute table of transactional cards is read
It is pre-configured with transactional cards in PROD, PROD and whether opens strange land leading to function；
If transactional cards, which open strange land, leads to function, read pre-configured in special districts and cities' relation table RLRG, RLRG of transactional cards
With having the binding of transactional cards field mark；According to the binding of transactional cards field mark determines transaction charge；
If transactional cards, which do not open strange land, leads to function, determine that transaction is received by strange land inside the province or transprovincially still according to comparative result
Take.
The embodiment of the present invention also provides a kind of bank card business dealing strange land and leads to function realization device, to improve bank card business dealing
Strange land leads to configurability and the flexibility of function, and improves customer experience, which includes：
PCTY read modules, for the area code according to Trading parties, read districts and cities of the Unionpay code table of Trading parties
Same city billing relationship He Tong is pre-configured with PCTY, PCTY and saves billing relationship；
PCTY comparison modules, for comparing the PCTY of Trading parties, determine whether Trading parties belong to according to comparative result
With city or inside the province strange land；
First determining module, for when comparative result shows that Trading parties belong to same city, transaction charge to be determined by same city；
PROD read modules, for comparative result show Trading parties belong to strange land inside the province or transprovincially when, read transaction
Transactional cards are pre-configured with product attribute the table PROD, PROD of card and whether open strange land leading to function；
RLRG read modules, for when transactional cards open strange land and lead to function, reading special districts and cities' relation table of transactional cards
The binding of transactional cards is pre-configured with RLRG, RLRG field mark；
Second determining module, for the binding according to transactional cards field mark determine transaction charge；
3rd determining module, for when transactional cards do not open strange land and lead to function, strange land inside the province to be pressed still according to comparative result
Or transprovincially determine transaction charge.
A kind of computer equipment is also provided in the embodiment of the present invention, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, the processor realize that above-mentioned bank card is handed over when performing the computer program
Easy strange land leads to function realizing method.
A kind of computer-readable recording medium, the computer-readable recording medium storage are also provided in the embodiment of the present invention
Have and perform the computer program that above-mentioned bank card business dealing strange land leads to function realizing method.
It is pre-configured in PCTY to save billing relationship with city billing relationship He Tong in the embodiment of the present invention, handed over by comparing
The PCTY of easy each side can be primarily determined that is traded charge by same city, if comparative result be inside the province strange land or transprovincially if it is further
, transactional cards are pre-configured with PROD whether open strange land leading to function, opened in transactional cards and transaction is read when strange land leads to function
The RLRG of card, is pre-configured with the binding ground field mark of transactional cards in RLRG, and according to the binding of transactional cards field mark can determine that
Transaction charge, leads to function so as to fulfill bank card business dealing strange land, compared with prior art, has configurability height, flexibility height
With customer experience it is good the advantages of.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is attached drawing needed in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, without creative efforts, can be with
Other attached drawings are obtained according to these attached drawings.In the accompanying drawings：
Fig. 1 is the schematic diagram that bank card business dealing strange land leads to function realizing method in the embodiment of the present invention；
Fig. 2 is the exemplary plot that step is realized in ATM withdrawals in the embodiment of the present invention；
Fig. 3 transfers accounts for ATM in the embodiment of the present invention and realizes the exemplary plot of step；
Fig. 4 is the schematic diagram that bank card business dealing strange land leads to function realization device in the embodiment of the present invention.
Embodiment
For the purpose, technical scheme and advantage of the embodiment of the present invention are more clearly understood, below in conjunction with the accompanying drawings to this hair
Bright embodiment is described in further details.Here, the schematic description and description of the present invention is used to explain the present invention, but simultaneously
It is not as a limitation of the invention.
The technical term involved by the embodiment of the present invention is briefly described below.
1st, networking authority identification code：Unionpay gives the area code of each city imparting according to uniform rules, and all Unionpay network
Mechanism is all used to subsequently collect charge for trouble by region using identical area code, and building form is 4 Institution Codes+4
Position area code.
2nd, area code：It is 4 Unionpay's networking authority identification codes (being known as districts and cities of Unionpay code) within the border, is overseas 0+3
Position country code refers to countries in the world and area name code GB/T2659-94.
3rd, credit card issuer：The banking institution that transactional cards are belonged to.
4th, single file is received：Merchandise the affiliated bank of acquirer.
5th, ATM transaction charges standard：According to cross-border, inter-bank, transprovincially, inside the province strange land, with five kinds of city ground field mark, using not
Same ATM transaction procedures take.
6th, field mark：
It is cross-border：The non-Chinese situation of country code；
Inter-bank：4 Institution Codes of districts and cities of Unionpay code are inconsistent；
Transprovincially：Province's row that 4 area codes represent is inconsistent；
Strange land inside the province：Province's row that 4 area codes represent is consistent but city is inconsistent；
Same city：The city that 4 area codes represent is consistent.
7th, strange land leads to：Meet the strange land Tongcheng city, different specified with city charge region number, same province charge region number or client
Ground leads in the case of country code, can collect transaction procedure expense according to same city charging mode (or other specify charging mode).
With city charge region number：With same same city charge region number, then it is considered as same city；
Same province's charge region is good：With same same province's charge region number, then it is considered as strange land inside the province；
Strange land leads to：Transactional cards can select binding one or N number of city as same city, strange land, transprovincially inside the province.Can also
One country of selection or multiple countries are used as and collect transaction charge with area just outside a city gate system within the border.
8th, database table：
BRHM --- institution table：Define districts and cities of the Unionpay code of mechanism of exchange.
PCTY --- districts and cities of Unionpay code table：Define Unionpay districts and cities code at county level, provincial code, same to area code.
RLRG --- special districts and cities' relation table：Define it is special it is domestic, overseas with area just outside a city gate system.
PROD --- card product attribute table：Define debit card product attribute and realize the special districts and cities' relation of part product support
Safeguard.
The embodiment of the present invention on the basis of original area code, parametrization devise it is a kind of it is new it is domestic, overseas sentence
The method that disconnected ATM transaction procedures take, realizes domestic different cities according to service charge is collected in same city, overseas country variant refers to border
Inside collect service charge.
Transformed to realize strange land with city function, it is necessary to collect mechanism to original ATM transaction procedures expense.It is described below
How the embodiment of the present invention transforms data list structure, the data place mat as mechanism transformation.
1st, card product attribute table PROD is changed：Whether pre-configured transactional cards open strange land and lead to function in PROD.It is for example, real
Whether can now be configured by different product allow that strange land leads to function and strange land leads to and can bind several cities (country) etc.,
As shown in table 1.
1 PROD parameter configurations of table
2nd, districts and cities of Unionpay code table PCTY is changed：Pre-configured same city billing relationship He Tong saves billing relationship in PCTY.Example
Such as realize and developed according to economic integration, configure distinctive Tong Cheng, same province's relation, as shown in table 2.
2 PCTY parameter configurations of table
| Field name | Field meanings | Change type |
| INST_NO | Banking institution number | It is original |
| VILLAGE | Unionpay's code at county level | It is original |
| CITY | Prefecture-level city of Unionpay code | It is original |
| PROVINCE | The provincial code of Unionpay | It is original |
| SAMECITY_AREA_NO1 | With city charge region number 1 | The embodiment of the present invention increases transformation newly |
| SAMEPROV_AREA_NO1 | Same province's charge region number 1 | The embodiment of the present invention increases transformation newly |
| SAMECITY_AREA_NO2 | With city charge region number 2 | The embodiment of the present invention increases transformation newly |
| SAMEPROV_AREA_NO2 | Same province's charge region number 2 | The embodiment of the present invention increases transformation newly |
3rd, table structure-special districts and cities relation table RLRG is increased newly：The binding of the pre-configured transactional cards ground field mark in RLRG.Example
Such as, realize that client specifies certain areas to be used as and is used as domestic receipts list with city receipts list, some countries according to debit card, as shown in table 3.
3 RLRG parameter configurations of table
In embodiments of the present invention transaction charge is determined using above-mentioned PCTY, PROD and RLRG.
As shown in Figure 1, bank card business dealing strange land leads to function realizing method and can include in the embodiment of the present invention：
Step 101, the area code according to Trading parties, read districts and cities of the Unionpay code table PCTY of Trading parties, PCTY
In be pre-configured with same city billing relationship He Tong and save billing relationship；
Step 102, the PCTY for comparing Trading parties, determine whether Trading parties belong to same city or inside the province according to comparative result
Strange land；
If step 103, comparative result show that Trading parties belong to Tong Cheng, transaction charge is determined by same city；
If step 104, comparative result show that Trading parties belong to strange land inside the province or transprovincially, the product category of transactional cards is read
Transactional cards are pre-configured with property table PROD, PROD and whether open strange land leading to function；
If step 105, transactional cards, which open strange land, leads to function, special districts and cities' relation table RLRG, RLRG of transactional cards are read
In be pre-configured with the binding ground field marks of transactional cards；According to the binding of transactional cards field mark determines transaction charge；
If step 106, transactional cards, which do not open strange land, leads to function, determined still according to comparative result by strange land inside the province or transprovincially
Transaction charge.
When it is implemented, first according to the area codes of Trading parties, districts and cities of the Unionpay code table PCTY of Trading parties is read,
PCTY is for example shown in table 2.City codes can be pre-configured with embodiment, in PCTY, save line code, the region number and same of charging with city
Save charge region number.
In embodiment, compare the PCTY of Trading parties, determine whether Trading parties belong to same city or province according to comparative result
Interior strange land, can include：
Compare the city codes of Trading parties, if the city codes of Trading parties are identical, it is determined that Trading parties belong to same
City；
If the city codes of Trading parties are different, compare province's line code of Trading parties, if province's line code of Trading parties
It is identical, it is determined that Trading parties belong to strange land inside the province；
If province's line code of Trading parties is different, compare the same city charge region number of Trading parties, if Trading parties is same
City charge region number is identical, it is determined that Trading parties belong to Tong Cheng；
If the same city charge region difference of Trading parties, compares the same province charge region number of Trading parties, if transaction is each
The same province charge region number of side is identical, it is determined that Trading parties belong to strange land inside the province；
If the same province charge region difference of Trading parties, it is determined that Trading parties belong to transprovincially.
During implementation, if comparative result shows that Trading parties belong to Tong Cheng, transaction charge is determined by same city；If comparative result
Show that Trading parties belong to strange land inside the province or transprovincially, then also need to read the product attribute table PROD of transactional cards.The PROD such as institutes of table 1
Show.If transactional cards, which open strange land, leads to function, then reads special districts and cities' relation table RLRG of transactional cards；If transactional cards are not opened different
Ground leads to function, then transaction charge is determined by strange land inside the province or transprovincially still according to comparative result.
The city or country number that transactional cards strange land leads to function binding, Yi Jiyi can be pre-configured with embodiment, in PROD
Ground leads to the term of validity of function；If then follow-up transactional cards strange land leads to the city or country number of function binding and is more than 0, and transactional cards are different
Ground leads to function before the deadline, then reads the RLRG of transactional cards.
After reading the RLRG of transactional cards during implementation, according to the binding of transactional cards field mark determines transaction charge.RLRG can
With as shown in table 3.In embodiment, if the binding of transactional cards ground field mark when showing that transactional cards are charged by same city, according in RLRG
Pre-configured transactional cards binding region determines transaction charge；If the binding of transactional cards field mark show transactional cards by strange land inside the province
During charge, transaction charge is determined by strange land inside the province；If comparative result shows that Trading parties belong to the binding in strange land, transactional cards inside the province
When ground field mark shows transactional cards by transprovincially charging, transaction charge is determined by strange land inside the province；If comparative result shows Trading parties
Belong to transprovincially, the binding of transactional cards ground field mark when showing transactional cards by transprovincially charging, by transprovincially determining transaction charge.
ATM transaction charges judge that there are 3 kinds of situations at present：First, according to transactional cards and acquirer two-by-two compared with obtain
Ground field mark.Second, relatively obtain ground field mark according to producing card, acquirer, being transferred to card tripartite.Domestic base area field mark
Obtain different ATM transaction rates.3rd, charge according to off-shore transaction.Strange land is introduced respectively below according to above-mentioned 3 kinds of situations to lead to
The realization mechanism of function.
Below according to above-mentioned 3 kinds of situations, the bank card business dealing strange land for illustrating the present invention embodiment respectively leads to function reality
Existing method difference with the prior art.
In one example, transaction is related to simple transaction card, and involved Trading parties include simple transaction card and acquirer.This
The comparative illustration of the embodiment of the present invention and the prior art is carried out in example by taking ATM withdraws the money as an example.
Realize that step can include in the prior art：
(1) obtaining in Unionpay send acquirer corresponding area code, reads PCTY according to area code, obtains city generation
Code ACQ-PCTY-CITY and province line code ACQ-PCTY-PROVINE.
(2) the networking authority identification code that transactional cards are safeguarded in BRHM is obtained, according to regional generation in networking authority identification code
Code reads PCTY, obtains city codes FROM-PCTY-CITY and saves line code FROM-PCTY-PROVINE.
(3) it is identical to belong to Tong Cheng if city codes ACQ-PCTY-CITY is compared with FROM-PCTY-CITY, do not belong to together
In strange land, then compare province line code ACQ-PCTY-PROVINE and FROM-PCTY-PROVINE, it is identical to belong to strange land inside the province,
Do not belong to transprovincially.
As shown in Fig. 2, realize that step can include in the embodiment of the present invention：
Step 21, obtain and send acquirer area code in Unionpay, reads PCTY according to area code, obtains city codes
ACQ-PCTY-CITY and province line code ACQ-PCTY-PROVINE, while obtain same city charge region ACQ-PCTY-
SAMECITY-AREA-NO1 He Tong save charge region ACQ-PCTY-SAMEPROV-NO1.
Step 22, obtain the networking authority identification code that transactional cards are safeguarded in BRHM, according in networking authority identification code
Area code reads PCTY according to area code, obtains city codes FROM-PCTY-CITY and saves line code FROM-PCTY-
PROVINE, while obtain same city charge region FROM-PCTY-SAMECITY-AREA-NO1 He Tong and save charge region number
FROM-PCTY-SAMEPROV-NO1。
Step 23, compare ACQ-PCTY-CITY and FROM-PCTY-CITY, if identical belong to Tong Cheng, is determined by same city
Transaction charge, it is different then compare ACQ-PCTY-PROVINE and FROM-PCTY-PROVINE again, if identical belong to different inside the province
Ground, it is different then belong to transprovincially, strange land and transprovincially all need newly-increased subsequent processing steps inside the province.
Step 24, compare ACQ-PCTY-SAMECITY-AREA-NO1 and FROM-PCTY-SAMECITY-AREA-NO1, such as
Fruit is identical to belong to Tong Cheng, and transaction charge is determined by same city, different then be further continued for performing step 25.
Step 25, compare ACQ-PCTY-SAMEPROV-AREA-NO1 and FROM-PCTY-SAMEPROV-AREA-NO1, such as
Fruit is identical to belong to strange land inside the province, different then belong to transprovincially, is required for being further continued for performing step 26.
Step 26, read transactional cards PROD, judge whether transactional cards open strange land and lead to function, if transactional cards open it is different
Ground leads to function, then continues to execute step 27, and transaction charge is otherwise determined by strange land inside the province or transprovincially still according to foregoing comparative result.
Step 27, the RLRG for reading transactional cards, obtain the binding ground field mark SAME_REGION of transactional cards, according to binding
Ground field mark compare confirm transactional cards and acquirer be belong to transprovincially, inside the province strange land or with city after, charge respectively.Specifically
, if the binding of transactional cards field mark SAME_REGION be R, by binding districts and cities code pre-configured in RLRG with receive
Districts and cities' code of unit structure compares, confirmation be belong to transprovincially, strange land or same city inside the province.
In another example, transaction is related to multi transaction card, and Trading parties include multi transaction card and acquirer.It is a kind of possible
Situation be, the binding of multi transaction card in field mark：If field mark shows to merchandise with wherein having the binding of side's transactional cards
When card is by transprovincially charging, by definite transaction charge transprovincially；Otherwise：If field mark shows to hand over wherein having the binding of side's transactional cards
When easily card is charged by strange land inside the province, transaction charge is determined by strange land inside the province.
The comparative illustration of the embodiment of the present invention and the prior art is carried out in this example by taking ATM transfers accounts as an example.
Realize that step can include in the prior art：
(1) obtain in Unionpay and send acquirer area code, PCTY is read according to area code, obtains city codes ACQ-
PCTY-CITY, save line code ACQ-PCTY-PROVINE.
(2) the networking authority identification code for producing and being stuck in and being safeguarded in BRHM is obtained, according to regional generation in networking authority identification code
Code reads PCTY, obtains city codes FROM-PCTY-CITY and saves line code FROM-PCTY-PROVINE.
(3) it is identical to belong to Tong Cheng if ACQ-PCTY-CITY is compared with FROM-PCTY-CITY, strange land is not belonged to, so
After compare province line code ACQ-PCTY-PROVINE and FROM-PCTY-PROVINE, it is identical to belong to strange land inside the province, do not belong to across
Save, obtain ground field mark 1.
(4) card Unionpay networking authority identification code is transferred to according to what Unionpay returned, 4 conduct sides of being transferred to regional generation after acquisition
Code, PCTY is read according to area code, is obtained city codes TO-PCTY-CITY, is saved line code TO-PCTY-PROVINE.
(5) it is transferred to card and produces and compare city codes between card, save line code, obtains ground field mark 2.
(6) field mark 1 and ground field mark 2 compare, whom who takes greatly (transprovincially>Strange land inside the province>Same city), according to final region
Mark collects ATM transaction procedure expenses.
As shown in figure 3, realize that step can include in the embodiment of the present invention：
Step 31, obtain and send acquirer networking authority identification code in Unionpay, according to regional generation in networking authority identification code
Code reads PCTY, obtains city codes ACQ-PCTY-CITY, saves line code ACQ-PCTY-PROVINE, while obtains and received with city
Take region ACQ-PCTY-SAMECITY-AREA-NO1, same province charge region ACQ-PCTY-SAMEPROV-NO1.
The networking authority identification code for being stuck in and being safeguarded in BRHM is produced in step 32, acquisition, according in networking authority identification code
Area code reads PCTY, obtains city codes FROM-PCTY-CITY and saves line code FROM-PCTY-PROVINE, obtains at the same time
With city charge region FROM-PCTY-SAMECITY-AREA-NO1, same province charge region FROM-PCTY-SAMEPROV-
NO1。
Step 33, compare ACQ-PCTY-CITY and FROM-PCTY-CITY, if identical belong to Tong Cheng, difference compares again
Compared with ACQ-PCTY-PROVINE and FROM-PCTY-PROVINE, if identical belong to strange land inside the province, difference belongs to transprovincially, saves
Interior strange land and transprovincially all need newly-increased subsequent processing steps.
Step 34, compare ACQ-PCTY-SAMECITY-AREA-NO1 and FROM-PCTY-SAMECITY-AREA-NO1, such as
Fruit is identical to belong to Tong Cheng, different then be further continued for performing step 35.
Step 35, compare ACQ-PCTY-SAMEPROV-AREA-NO1 and FROM-PCTY-SAMEPROV-AREA-NO1, such as
Fruit is identical to belong to strange land inside the province, different then belong to transprovincially.
It is step 36, similar with step 32~35, card is transferred to compared with producing between card, determines to belong to Tong Cheng, different inside the province
Ground or transprovincially.
If step 37, produce card and acquirer belongs to strange land inside the province or transprovincially, the PROD for producing card is read, is judged
Produce card and whether open strange land and lead to function, lead to function if producing card and opening strange land, continue to execute step 38, otherwise still press than
Relatively result belongs to strange land inside the province or transprovincially；
The RLRG of card is produced in step 38, reading, with obtaining the binding of producing card field mark SAME_REGION, according to binding
Ground field mark compare confirmation produce card and acquirer be belong to transprovincially, strange land or same city inside the province；
If step 39, be transferred to card and produce card and belong to strange land inside the province or transprovincially, the PROD for being transferred to card is read, judges to turn
Enter card and whether open strange land to lead to function, lead to function if being transferred to card and opening strange land, continue to execute step 40, otherwise still by comparing
As a result strange land inside the province or transprovincially is belonged to；
Step 40, reading are transferred to the RLRG of card, with obtaining the binding that is transferred to card field mark SAME_REGION, according to binding
Ground field mark compare confirmation be transferred to card and produce card be belong to transprovincially, strange land or same city inside the province；
Step 41, according to produce the comparative result of card and acquirer, to be transferred to card finally true with the comparative result that produces card
Surely be belong to transprovincially, strange land or same city inside the province.
Merchandise and transform for ATM overseas, it is unified according to overseas charging before off-shore transaction is not transformed, can be with after transformation
According to product, client circumstances selection, overseas country charges with reference to domestic：
(1) obtain in Unionpay and send acquirer area code, according to 3 acquisition country codes after area code.
(2) similar with merchandising within the border, if PCTY can not judge same city, further reading PROD judges whether open-minded
Strange land leads to, and can check allows to open the country that strange land leads at this time, if open-minded, then reads RLRG, for example, according to transaction card number,
Country code reads RLRG, obtains new same city, strange land relation, and service charge is collected with reference to domestic same city, strange land.
As described above, in embodiments of the present invention, according to districts and cities of the Unionpay code relation of current ATM transactional references, again
Devise meet business development rule, can parameter configuration districts and cities of Unionpay relation, while design meet client's self-demand
City relationship.Need to improve existing districts and cities' relation decision logic during implementation, and service parameter flexible configuration ATM can be supported to hand over
Easy City relationship, customer personalized setting ATM transaction cities relation, state relations, build the local and overseas Unionpay of a set of flexible configuration
The framework of districts and cities' relation.
In the embodiment of the present invention, domestic different regions of merchandising to transactional cards ATM are charged according to same city, overseas country variant is joined
Examine and charge within the border with city, by newly-increased RLRG tables, carry out planning region according to transactional cards binding city, binding country code and close
System；PCTY is changed, adds charge region number；PROD is changed, whether increase product, which allows strange land to lead to function, carries out parameter configuration.
Above-mentioned mechanism is effectively guaranteed the flexibility of the local and overseas transaction city relations of ATM.
Take an example for illustration the specific implementation of present invention method again below.
In this example, client's Mr. Wang opened in Bank of China's Changsha site debit card A (such as：Great Wall college student
Card), work after graduation in Shanghai, be continuing with debit card A, then can apply binding same area just outside a city gate system with Shanghai City, subsequently exist
Shanghai using debit card with taken in Changsha using debit card ATM transaction procedures.Belong to additionally, due to Changsha and Zhuzhou
Chang Zhu Tan integration city, i.e., in row delimit same city marketing region, then client's Mr. Wang give Zhuzhou client in Shanghai ATM
Transfer accounts, can charge according to same city expenses standard.
In this example, realize and need to have following service parameter configuration, system processing with city charge above, naturally it is also possible to root
New scene is extended according to demand.
First, service parameter configures
1st, PROD parameter configurations
For Great Wall college student card business parameter configuration to support to set 29 strange lands Tongcheng city, period of validity is 9 years.
| Field name | Value |
| Banking institution number | 003 |
| BIN codes | 2900 |
| Product code | 2900 |
| Allow to open strange land and lead to number | 2900 |
| Strange land leads to the term of validity | 00088 |
2nd, BRHM parameter configurations
| Field name | Value |
| Institution Code | 0030000000000012251 |
| Organization names | Bank of China Changsha Song Gui gardens subbranch |
| Save line number | 42 |
| Unionpay's city codes | 5510 |
| Unionpay saves line code | 5500 |
3rd, PCTY parameter configurations
Consider that business development needs, strengthen Changsha and Zhuzhou economic integration, the same city number of expense of Changsha is configured
For 00088, the same city expense number of Zhuzhou is configured to 00088.
Changsha：
Shanghai City：
| Field name | Value |
| Banking institution number | 003 |
| Unionpay's code at county level | 2900 |
| Prefecture-level city of Unionpay code | 2900 |
| The provincial code of Unionpay | 2900 |
| With city charge region number 1 | 00000 |
| Same province's charge region number 1 | 00000 |
| With city charge region number 2 | It is empty |
| Same province's charge region number 2 | It is empty |
Zhuzhou：
| Field name | Value |
| Banking institution number | 003 |
| Unionpay's code at county level | 5570 |
| Prefecture-level city of Unionpay code | 5570 |
| The provincial code of Unionpay | 3000 |
| With city charge region number 1 | 00088 |
| Same province's charge region number 1 | 00088 |
| With city charge region number 2 | It is empty |
| Same province's charge region number 2 | It is empty |
4th, RLRG tables parameter configuration
2nd, ATM withdrawals service charge calculates：
1st, withdraw the money in Shanghai City ATM and collect service charge realization principle by same city：
ATM, which withdraws the money, is related to the transaction city judgement of card sending mechanism, two side of acquirer.
(1) districts and cities of the Unionpay code sent in the mechanism of ATM withdrawals acquirer Shanghai City is 2900 (Shanghai City).
(2) it is 5510 (Changshas) from districts and cities of the Unionpay code of BRHM acquisition transactional cards A.
(3) judge currently for transprovincially merchandise after, check PCTY judge be possess it is same charge region number.
(4) after there is no same charge region number, it is different to check whether transactional cards A corresponding products allow to open in PROD
Ground leads to.
(5) lead to since the product allows to open strange land, check RLRG tables, the city of the debit card binding of Changsha distribution
It is consistent with acquirer for 2900 (Shanghai City), so far think that the card meets same city expenses standard.
2nd, in Shanghai City, ATM transfers accounts and collects service charge realization principle according to the transaction of same city to Zhuzhou debit card client：
ATM, which transfers accounts, is related to card sending mechanism, acquirer, the transaction city judgement for being transferred to mechanism tripartite.
(1) ATM transaction acquirer is Shanghai City districts and cities of acquirer Shang Song Unionpay code 2900 (Shanghai City).
(2) it is 5510 (Changshas) from districts and cities of the Unionpay code of BRHM acquisition transactional cards A.
(3) judge currently for transprovincially merchandise after, check PCTY judge be possess it is same charge region number.
(4) after there is no same charge region number, it is different to check whether transactional cards A corresponding products allow to open in PROD
Ground leads to.
(5) lead to since the product allows to open strange land, check RLRG tables, the city of card binding is 2900 (Shanghai
City) it is consistent with acquirer 2900, so far think that card sending mechanism belongs to Tong Cheng with acquirer.
(6) it is 5570 (Zhuzhous) that Unionpay, which returns to credit card issuer and is transferred to districts and cities of the Unionpay code of debit card Zhuzhou,.
(7) after comparing card sending mechanism Changsha and being transferred to mechanism Zhuzhou as strange land inside the province, Zhuzhou in PCTY is reexamined
Area code 5570 it is corresponding charge region number be 88, it is consistent with the same city charge number of card sending mechanism Changsha 5510, therefore
Belong to Tong Cheng.
(8) since card sending mechanism is with being transferred to mechanism Tong Cheng, card sending mechanism and acquirer are also same city, finally according to same city
Charge carries out service charge and collects.
In embodiment, in the case of being all middle row client, other cities can also be added to strange land by the side of being transferred to client
In logical binding city list, when the city of card sending mechanism binding is consistent with the city that the side of being transferred to is bound, client is transferring accounts
When will meet more with city charge it is preferential.
If some national applications of the Belt and Road are done business with China, fund, Ke Yiyun are used in order to facilitate client
Perhaps apply for that the debit card for opening specific products collects service charge on ATM overseas with reference to domestic transaction.
Based on same inventive concept, a kind of bank card business dealing strange land is additionally provided in the embodiment of the present invention and leads to function realization dress
Put, as described in the following examples.Since the principle that the device solves the problems, such as and bank card business dealing strange land lead to function realizing method
It is similar, therefore the implementation of the device may refer to the implementation that bank card business dealing strange land leads to function realizing method, repeat part no longer
Repeat.
Fig. 4 is the schematic diagram that bank card business dealing strange land leads to function realization device in the embodiment of the present invention, as shown in figure 4, should
Device can include：
PCTY read modules 401, for the area code according to Trading parties, read districts and cities of the Unionpay code of Trading parties
Same city billing relationship He Tong is pre-configured with table PCTY, PCTY and saves billing relationship；
PCTY comparison modules 402, for comparing the PCTY of Trading parties, determine whether Trading parties belong to according to comparative result
Yu Tongcheng or inside the province strange land；
First determining module 403, for when comparative result shows that Trading parties belong to same city, determining that transaction is received by same city
Take；
PROD read modules 404, for comparative result show Trading parties belong to strange land inside the province or transprovincially when, read hand over
Transactional cards are pre-configured with the product attribute table PROD, PROD that easily block and whether open strange land leading to function；
RLRG read modules 405, for when transactional cards open strange land and lead to function, reading special districts and cities' relation of transactional cards
The binding of transactional cards is pre-configured with table RLRG, RLRG field mark；
Second determining module 406, for the binding according to transactional cards field mark determine transaction charge；
3rd determining module 407, for when transactional cards do not open strange land and lead to function, being pressed still according to comparative result different inside the province
Ground transprovincially determines transaction charge.
In one embodiment, city codes are pre-configured with the PCTY, line code is saved, is saved with city charge region He Tong
Charge region number；
The PCTY comparison modules 402 can be further used for：
Compare the city codes of Trading parties, if the city codes of Trading parties are identical, it is determined that Trading parties belong to same
City；
If the city codes of Trading parties are different, compare province's line code of Trading parties, if province's line code of Trading parties
It is identical, it is determined that Trading parties belong to strange land inside the province；
If province's line code of Trading parties is different, compare the same city charge region number of Trading parties, if Trading parties is same
City charge region number is identical, it is determined that Trading parties belong to Tong Cheng；
If the same city charge region difference of Trading parties, compares the same province charge region number of Trading parties, if transaction is each
The same province charge region number of side is identical, it is determined that Trading parties belong to strange land inside the province；
If the same province charge region difference of Trading parties, it is determined that Trading parties belong to transprovincially.
In one embodiment, the city or country number that transactional cards strange land leads to function binding is pre-configured with the PROD,
And strange land leads to the term of validity of function；
The RLRG read modules 405 can be further used for：
If the city or country number that transactional cards strange land leads to function binding is more than 0, and transactional cards strange land leads to function effective
In phase, then the RLRG of transactional cards is read.
In one embodiment, second determining module 406 can be further used for：
If the binding of transactional cards ground field mark when showing that transactional cards are charged by same city, transaction charge is determined by same city；
If the binding of transactional cards ground field mark when showing that transactional cards are charged by strange land inside the province, determines that transaction is received by strange land inside the province
Take；
If comparative result show Trading parties belong to strange land inside the province, transactional cards binding field mark show transactional cards by across
When saving charge, transaction charge is determined by strange land inside the province；
If comparative result show Trading parties belong to transprovincially, the binding of transactional cards field mark show transactional cards by transprovincially receiving
It is time-consuming, by definite transaction charge transprovincially.
In one embodiment, if transaction is related to simple transaction card, Trading parties include simple transaction card and acquirer；
If transaction is related to multi transaction card, Trading parties include multi transaction card and acquirer.
In one embodiment, second determining module 406 can be further used for：
If the binding of multi transaction card field mark it is different,：
If field mark shows transactional cards by transprovincially charging with wherein having the binding of side's transactional cards, by definite transaction transprovincially
Charge；Otherwise：
If field mark shows that transactional cards are charged by strange land inside the province with wherein having the binding of side's transactional cards, by strange land inside the province
Determine transaction charge.
A kind of computer equipment is also provided in the embodiment of the present invention, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, the processor realize that above-mentioned bank card is handed over when performing the computer program
Easy strange land leads to function realizing method.
A kind of computer-readable recording medium, the computer-readable recording medium storage are also provided in the embodiment of the present invention
Have and perform the computer program that above-mentioned bank card business dealing strange land leads to function realizing method.
It is pre-configured with city billing relationship and same in PCTY by above-described embodiment it is known that in the embodiment of the present invention
Billing relationship is saved, the PCTY by comparing Trading parties can be primarily determined that is traded charge by same city, if comparative result is
Strange land or then further transprovincially inside the province, is pre-configured with transactional cards and whether opens strange land leading to function in PROD, is opened in transactional cards
The RLRG of transactional cards is read when logical strange land leads to function, the binding ground field mark of transactional cards is pre-configured with RLRG, according to transaction
The binding of card field mark can determine that transaction charge, lead to function so as to fulfill bank card business dealing strange land, compared with prior art, tool
There is the advantages of configurability is high, flexibility is high and customer experience is good.
In embodiment, domestic Unionpay's networking Institution Code can be needed to configure according to business and charge for same city, is different inside the province
Ground is charged, and client oneself can set the city codes with city.Can also be according to national economic development needs, open certain product
Client is allowed to set some countries to receive single country as domestic transaction.
In embodiment, card product attribute table PROD, districts and cities of Unionpay code table PCTY, special districts and cities' relation table RLRG, three
Complement each other, reach a point product, region-by-region, client oneself three kinds of modes of selection and realize the function that ATM transaction strange land is charged with city.
Allowing the new same city strange land relation of configuration, client to specify in embodiment, new same city strange land is regional, overseas country is used as domestic state
Family is traded charge.
In conclusion the embodiment of the present invention can greatly enhance debit card module autgmentability, configurability and durability, to incite somebody to action
The business development come and demand, which are realized, lays a solid foundation.It can be allowed in embodiment by configuration card product attribute table PROD
Part transactional cards product support strange land leads to function；Client can be allowed actively to be bound in sales counter, Internetbank, Mobile banking's multiple support channels
A certain number of acquirers are used as collects service charge with city transaction city, binding Countries code as domestic area；With
Economic integration development, bank can configure the same city charge region number of PCTY, same province charge region number as the case may be,
Realize that the ATM transaction strange lands between different cities are charged with city；With the Belt and Road world economic integration development framework, silver
Row can allow part overseas to receive, and list is national to collect ATM transaction procedure expenses with reference to domestic list area of receiving；At the same time it is contemplated that extension
To transaction channels with region characteristic charge such as cabinet face, the various channels of intelligent sales counter.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program
Product.Therefore, the present invention can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can use the computer for wherein including computer usable program code in one or more
The computer program production that usable storage medium is implemented on (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that it can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or square frame in journey and/or square frame and flowchart and/or the block diagram.These computer programs can be provided
The processors of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that the instruction performed by computer or the processor of other programmable data processing devices, which produces, to be used in fact
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, thus in computer or
The instruction performed on other programmable devices is provided and is used for realization in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in a square frame or multiple square frames.
Particular embodiments described above, has carried out the purpose of the present invention, technical solution and beneficial effect further in detail
Describe in detail it is bright, it should be understood that the foregoing is merely the present invention specific embodiment, the guarantor being not intended to limit the present invention
Scope is protected, within the spirit and principles of the invention, any modification, equivalent substitution, improvement and etc. done, should be included in this
Within the protection domain of invention.
Claims (14)
1. a kind of bank card business dealing strange land leads to function realizing method, it is characterised in that including：
According to the area code of Trading parties, districts and cities of the Unionpay code table PCTY of Trading parties is read, is pre-configured with PCTY same
City billing relationship He Tong saves billing relationship；
Compare the PCTY of Trading parties, determine whether Trading parties belong to same city or inside the province strange land according to comparative result；
If comparative result shows that Trading parties belong to Tong Cheng, transaction charge is determined by same city；
If comparative result shows that Trading parties belong to strange land inside the province or transprovincially, the product attribute table PROD of transactional cards is read,
It is pre-configured with transactional cards in PROD and whether opens strange land leading to function；
If transactional cards, which open strange land, leads to function, read in special districts and cities' relation table RLRG, RLRG of transactional cards and be pre-configured with handing over
The binding easily blocked ground field mark；According to the binding of transactional cards field mark determines transaction charge；
If transactional cards, which do not open strange land, leads to function, transaction charge is determined by strange land inside the province or transprovincially still according to comparative result.
2. the method as described in claim 1, it is characterised in that city codes are pre-configured with the PCTY, line code is saved, is same
City charge region He Tong saves charge region number；
The PCTY of the relatively Trading parties, determines whether Trading parties belong to same city or inside the province strange land according to comparative result, wraps
Include：
Compare the city codes of Trading parties, if the city codes of Trading parties are identical, it is determined that Trading parties belong to Tong Cheng；
If the city codes of Trading parties are different, compare province's line code of Trading parties, if province's line code of Trading parties is identical,
Then determine that Trading parties belong to strange land inside the province；
If province's line code of Trading parties is different, compare the same city charge region number of Trading parties, if the same city of Trading parties is received
It is identical to take region number, it is determined that Trading parties belong to Tong Cheng；
If the same city charge region difference of Trading parties, compares the same province charge region number of Trading parties, if Trading parties
Same province's charge region number is identical, it is determined that Trading parties belong to strange land inside the province；
If the same province charge region difference of Trading parties, it is determined that Trading parties belong to transprovincially.
3. the method as described in claim 1, it is characterised in that transactional cards strange land is pre-configured with the PROD and leads to function binding
City or country number, and strange land leads to the term of validity of function；
If transactional cards, which open strange land, leads to function, the RLRG of transactional cards is read, including：
If the city or country number that transactional cards strange land leads to function binding is more than 0, and transactional cards strange land leads to function before the deadline,
Then read the RLRG of transactional cards.
4. the method as described in claim 1, it is characterised in that the binding according to transactional cards field mark determine transaction receive
Take, including：
If the binding of transactional cards ground field mark when showing that transactional cards are charged by same city, binds according to transactional cards pre-configured in RLRG
Region determines transaction charge；
If the binding of transactional cards ground field mark when showing that transactional cards are charged by strange land inside the province, transaction charge is determined by strange land inside the province；
If comparative result show Trading parties belong to strange land inside the province, transactional cards binding field mark show transactional cards by transprovincially receiving
It is time-consuming, determine transaction charge by strange land inside the province；
If comparative result show Trading parties belong to transprovincially, the binding of transactional cards field mark show transactional cards by transprovincially charging
When, by definite transaction charge transprovincially.
5. the method as described in claim 1, it is characterised in that if transaction is related to simple transaction card, Trading parties include single
One transactional cards and acquirer；If transaction is related to multi transaction card, Trading parties include multi transaction card and acquirer.
6. method as claimed in claim 5, it is characterised in that the binding according to transactional cards field mark determine transaction receive
Take, including：
If the binding of multi transaction card field mark it is different,：
If field mark shows transactional cards by transprovincially charging with wherein having the binding of side's transactional cards, received by transprovincially determining to merchandise
Take；Otherwise：
If field mark shows that transactional cards are charged by strange land inside the province with wherein having the binding of side's transactional cards, determined by strange land inside the province
Transaction charge.
7. a kind of bank card business dealing strange land leads to function realization device, it is characterised in that including：
PCTY read modules, for the area code according to Trading parties, read districts and cities of the Unionpay code table PCTY of Trading parties,
Same city billing relationship He Tong is pre-configured with PCTY and saves billing relationship；
PCTY comparison modules, for comparing the PCTY of Trading parties, determine whether Trading parties belong to Tong Cheng according to comparative result
Or strange land inside the province；
First determining module, for when comparative result shows that Trading parties belong to same city, transaction charge to be determined by same city；
PROD read modules, for comparative result show Trading parties belong to strange land inside the province or transprovincially when, read transactional cards
It is pre-configured with transactional cards in product attribute table PROD, PROD and whether opens strange land leading to function；
RLRG read modules, for when transactional cards open strange land and lead to function, reading the RLRG of transactional cards, are pre-configured with RLRG
The binding of transactional cards ground field mark；
Second determining module, for the binding according to transactional cards field mark determine transaction charge；
3rd determining module, for when transactional cards do not open strange land and lead to function, still according to comparative result by strange land inside the province or across
Save and determine transaction charge.
8. device as claimed in claim 7, it is characterised in that city codes are pre-configured with the PCTY, line code is saved, is same
City charge region He Tong saves charge region number；
The PCTY comparison modules are further used for：
Compare the city codes of Trading parties, if the city codes of Trading parties are identical, it is determined that Trading parties belong to Tong Cheng；
If the city codes of Trading parties are different, compare province's line code of Trading parties, if province's line code of Trading parties is identical,
Then determine that Trading parties belong to strange land inside the province；
If province's line code of Trading parties is different, compare the same city charge region number of Trading parties, if the same city of Trading parties is received
It is identical to take region number, it is determined that Trading parties belong to Tong Cheng；
If the same city charge region difference of Trading parties, compares the same province charge region number of Trading parties, if Trading parties
Same province's charge region number is identical, it is determined that Trading parties belong to strange land inside the province；
If the same province charge region difference of Trading parties, it is determined that Trading parties belong to transprovincially.
9. device as claimed in claim 7, it is characterised in that transactional cards strange land is pre-configured with the PROD and leads to function binding
City or country number, and strange land leads to the term of validity of function；
The RLRG read modules are further used for：
If the city or country number that transactional cards strange land leads to function binding is more than 0, and transactional cards strange land leads to function before the deadline,
Then read the RLRG of transactional cards.
10. device as claimed in claim 7, it is characterised in that second determining module is further used for：
If the binding of transactional cards ground field mark when showing that transactional cards are charged by same city, binds according to transactional cards pre-configured in RLRG
Region determines transaction charge；
If the binding of transactional cards ground field mark when showing that transactional cards are charged by strange land inside the province, transaction charge is determined by strange land inside the province；
If comparative result show Trading parties belong to strange land inside the province, transactional cards binding field mark show transactional cards by transprovincially receiving
It is time-consuming, determine transaction charge by strange land inside the province；
If comparative result show Trading parties belong to transprovincially, the binding of transactional cards field mark show transactional cards by transprovincially charging
When, by definite transaction charge transprovincially.
11. device as claimed in claim 7, it is characterised in that if transaction is related to simple transaction card, Trading parties include single
One transactional cards and acquirer；If transaction is related to multi transaction card, Trading parties include multi transaction card and acquirer.
12. device as claimed in claim 11, it is characterised in that second determining module is further used for：
If the binding of multi transaction card field mark it is different,：
If field mark shows transactional cards by transprovincially charging with wherein having the binding of side's transactional cards, received by transprovincially determining to merchandise
Take；Otherwise：
If field mark shows that transactional cards are charged by strange land inside the province with wherein having the binding of side's transactional cards, determined by strange land inside the province
Transaction charge.
13. a kind of computer equipment, including memory, processor and storage are on a memory and the meter that can run on a processor
Calculation machine program, it is characterised in that the processor realizes any side of claim 1 to 6 when performing the computer program
Method.
14. a kind of computer-readable recording medium, it is characterised in that the computer-readable recording medium storage has perform claim
It is required that the computer program of 1 to 6 any the method.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110825781A (en) * | 2019-09-24 | 2020-02-21 | 中国地质大学（北京） | National city all-purpose card interconnection platform |
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Application publication date: 20180508 |