CN113240515A - Debit card information processing method and system - Google Patents
Debit card information processing method and system Download PDFInfo
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- CN113240515A CN113240515A CN202110670794.2A CN202110670794A CN113240515A CN 113240515 A CN113240515 A CN 113240515A CN 202110670794 A CN202110670794 A CN 202110670794A CN 113240515 A CN113240515 A CN 113240515A
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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
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F11/00—Error detection; Error correction; Monitoring
- G06F11/07—Responding to the occurrence of a fault, e.g. fault tolerance
- G06F11/14—Error detection or correction of the data by redundancy in operation
- G06F11/1402—Saving, restoring, recovering or retrying
- G06F11/1446—Point-in-time backing up or restoration of persistent data
- G06F11/1448—Management of the data involved in backup or backup restore
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/30—Information retrieval; Database structures therefor; File system structures therefor of unstructured textual data
- G06F16/33—Querying
- G06F16/335—Filtering based on additional data, e.g. user or group profiles
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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
Abstract
The invention discloses a debit card information processing method and a debit card information processing system, which can be used in the field of finance, wherein the method comprises the following steps: the method comprises the steps that a backup environment of a core bank system obtains debit card information, a first debit card text to be cleaned is determined according to the debit card information, and the first debit card text to be cleaned is sent to a financial IC card; the main production environment of the core bank system receives a second debit card text to be cleaned sent by the financial IC card, and generates a cleaning result text after screening the second debit card text to be cleaned according to the debit card information; generating a cleaning report by the backup environment of the core bank system according to the cleaning result text; and the backup environment of the core bank system sends the cleaning report to the financial IC card. The invention can process the debit card information, and eliminate the invalid card, thereby saving the labor cost and improving the processing efficiency and the accuracy.
Description
Technical Field
The invention relates to the field of finance, in particular to a debit card information processing method and system. It should be noted that the method and system for processing debit card information of the present invention can be used in the financial field, and can also be used in any field other than the financial field.
Background
According to data statistics, 1/3 of the total number of 'sleep cards' in the bank cards in China is occupied. The so-called 'sleep card' is a bank card which is idle by a client and is not used for a long time. The huge number of sleep cards can increase a large amount of management cost for banks, and more importantly, great potential safety hazards exist. Lawbreakers will purchase personal information, make fake identification cards, and perform illegal activities such as cash register and money laundering by means of idle cards.
In order to resist the illegal action of lawbreakers and reduce the management cost of banks, banks regularly perform self-check and cleaning. In the prior art, a teller generally checks whether a customer holds an idle card one by one through operation of the teller, and performs a series of relevance queries on the card held by the customer to determine whether a cleaning condition is met, but the following problems obviously exist through the manual operation mode of the teller: 1. the processing efficiency is low, only one piece of customer information can be processed each time, and the labor cost is seriously consumed; 2. confirming whether the clearing conditions are met one by one manually, often omitting some special conditions, and causing the part of the debit card which is not cleared to be cleared by mistake; 3. the regular manual clearing often has certain delay, cannot be cleared at the first time when the debit card fails, and leaves a good opportunity for illegal activities of lawbreakers.
Therefore, there is a need for a debit card information processing scheme that overcomes the above-mentioned problems.
Disclosure of Invention
The embodiment of the invention provides a debit card information processing method, which is used for carrying out debit card information processing, troubleshooting invalid cards, saving labor cost and improving processing efficiency and accuracy, and comprises the following steps:
the backup environment of the core bank system obtains debit card information;
determining a first debit card text to be cleaned by a backup environment of the core bank system according to the debit card information;
the backup environment of the core bank system sends the first debit card text to be cleaned to the financial IC card;
receiving a second debit card text to be cleaned sent by the financial IC card by the main production environment of the core bank system, wherein the second debit card text to be cleaned is obtained by screening the first debit card text to be cleaned by the financial IC card;
the main production environment of the core bank system screens the second debit card text to be cleaned according to the debit card information to generate a cleaning result text;
generating a cleaning report by the backup environment of the core bank system according to the cleaning result text;
and the backup environment of the core bank system sends the cleaning report to the financial IC card.
The embodiment of the invention provides a core bank system, which is used for processing debit card information, troubleshooting failure cards, saving labor cost and improving processing efficiency and accuracy, and comprises:
the information acquisition module is used for backing up the environment to acquire debit card information;
the text determining module is used for determining a first debit card text to be cleaned according to the debit card information in the backup environment;
the text sending module is used for sending the first debit card text to be cleaned to the financial IC card in the backup environment;
the text receiving module is used for receiving a second debit card text to be cleaned sent by the financial IC card in the main production environment, wherein the second debit card text to be cleaned is obtained by screening the first debit card text to be cleaned by the financial IC card;
the result generation module is used for generating a cleaning result text after the main production environment screens the second debit card text to be cleaned according to the debit card information;
the report generation module is used for generating a cleaning report according to the cleaning result text in the backup environment;
and the report sending module is used for sending the cleaning report to the financial IC card in the backup environment.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the debit card information processing method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, in which a computer program for executing the above-mentioned debit card information processing method is stored.
The embodiment of the invention obtains the information of the debit card through the backup environment of the core bank system; determining a first debit card text to be cleaned by a backup environment of the core bank system according to the debit card information; the backup environment of the core bank system sends the first debit card text to be cleaned to the financial IC card; receiving a second debit card text to be cleaned sent by the financial IC card by the main production environment of the core bank system, wherein the second debit card text to be cleaned is obtained by screening the first debit card text to be cleaned by the financial IC card; the main production environment of the core bank system screens the second debit card text to be cleaned according to the debit card information to generate a cleaning result text; generating a cleaning report by the backup environment of the core bank system according to the cleaning result text; and the backup environment of the core bank system sends the cleaning report to the financial IC card. According to the method and the device, the debit card needing to be cleaned is screened out according to the debit card information, the manual processing work of a teller can be effectively released, the processing efficiency is improved, the core bank system and the financial IC card are linked to participate in screening, the processing accuracy can be effectively improved, and the situations of screening omission and mistaken cleaning are avoided.
The embodiment of the invention provides a debit card information processing method, which is used for carrying out debit card information processing, troubleshooting invalid cards, saving labor cost and improving processing efficiency and accuracy, and comprises the following steps:
the financial IC card receives a first debit card text to be cleaned sent by a backup environment of the core bank system, wherein the first debit card text to be cleaned is determined by the backup environment of the core bank system according to the debit card information;
the financial IC card screens the first debit card text to be cleaned to obtain a second debit card text to be cleaned;
the financial IC card sends the second debit card text to be cleaned to a main production environment of a core bank system;
and the financial IC card receives a cleaning report sent by the backup environment of the core bank system, wherein the cleaning report is generated by the backup environment of the core bank system according to a cleaning result text, and the cleaning result text is generated by screening a second debit card text to be cleaned by the main production environment of the core bank system according to the debit card information.
The embodiment of the invention provides a financial IC card, which is used for processing debit card information, checking invalid cards, saving labor cost and improving processing efficiency and accuracy, and comprises the following components:
the system comprises a text receiving module, a first to-be-cleaned debit card text sending by a backup environment of a core bank system, wherein the first to-be-cleaned debit card text is determined by the backup environment of the core bank system according to debit card information;
the text screening module is used for screening the first debit card text to be cleaned to obtain a second debit card text to be cleaned;
the text sending module is used for sending the second debit card text to be cleaned to a main production environment of a core bank system;
and the report receiving module is used for receiving a cleaning report sent by the backup environment of the core bank system, wherein the cleaning report is generated by the backup environment of the core bank system according to the cleaning result text, and the cleaning result text is generated by screening the second debit card text to be cleaned by the main production environment of the core bank system according to the debit card information.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the debit card information processing method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, in which a computer program for executing the above-mentioned debit card information processing method is stored.
In the embodiment of the invention, a first debit card text to be cleaned, which is sent by a backup environment of a core bank system, is received through a financial IC card, wherein the first debit card text to be cleaned is determined by the backup environment of the core bank system according to debit card information; the financial IC card screens the first debit card text to be cleaned to obtain a second debit card text to be cleaned; the financial IC card sends the second debit card text to be cleaned to a main production environment of a core bank system; and the financial IC card receives a cleaning report sent by the backup environment of the core bank system, wherein the cleaning report is generated by the backup environment of the core bank system according to a cleaning result text, and the cleaning result text is generated by screening a second debit card text to be cleaned by the main production environment of the core bank system according to the debit card information. According to the method and the device, the debit card needing to be cleaned is screened out according to the debit card information, the manual processing work of a teller can be effectively released, the processing efficiency is improved, the core bank system and the financial IC card are linked to participate in screening, the processing accuracy can be effectively improved, and the situations of screening omission and mistaken cleaning are avoided.
The embodiment of the invention provides a debit card information processing system, which is used for carrying out debit card information processing, troubleshooting invalid cards, saving labor cost and improving processing efficiency and accuracy, and comprises the following components: the core bank system and the financial IC card.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of a method for processing debit card information in accordance with an embodiment of the present invention;
FIG. 2 is a diagram of a core banking system architecture in an embodiment of the present invention;
FIG. 3 is a schematic diagram of another method for processing debit card information in accordance with an embodiment of the present invention;
FIG. 4 is a diagram of a financial IC card according to an embodiment of the present invention;
FIG. 5 is a block diagram of a debit card information processing system in accordance with an embodiment of the present invention;
FIG. 6 is a flow chart of a method of processing debit card information in accordance with an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
First, terms in the embodiments of the present invention are described:
a host system: the present invention is directed to a commercial banking system deployed on a Z-series server manufactured by IBM corporation.
A core bank system: the core business system of the bank takes a customer as a center, and the core bank system carries out accounting processing and provides 24-hour service.
Batch production: refers to batch processing transactions, such as payroll posting, report generation, and the like.
P1 end: a main production environment of a core banking system.
P2 end: the FLASH COPY environment of the core bank system is the backup environment of the main production environment of the core bank system.
DCDS system: the data downloading platform realizes batch acquisition of service system data and is a uniform batch text data transmission channel between a data source system and a data application target system.
IPS system: the interface platform is a bridge between the peripheral systems, can shield the difference between the peripheral systems as much as possible, and all transactions of the peripheral systems accessing the core system are linked with the core system through the interface platform.
ICCD system: the financial IC card is responsible for functions of safety authentication service of debit and credit transaction, forwarding processing of transaction route, small account management, corresponding auxiliary management and the like, and functions of issuing management, transaction processing, safety authentication and the like of the Macao double-currency electronic cash card.
Financial intercommunication debit card: the debit card for interconnecting the Chinese bank and the wealth is a standard debit card product of the Unionpay which is provided by China banks and integrates the functions of cash storage and withdrawal, consumption settlement, transfer and remittance, investment and financing and the like.
MST card: MasterCard, a well-known card brand issued by the U.S. financial institution.
As mentioned above, the prior art has the following disadvantages: 1. the treatment efficiency is low: in the prior art, a teller screens and cleans invalid debit cards of customers, only one piece of customer information can be processed at a time, the processing efficiency is low, and the labor cost is high; 2. this may lead to false cleaning: the mode of manual cleaning one by one often omits part of special conditions, so that part of debit cards which are not cleaned are cleaned by mistake; 3. untimely cleaning of the failed card: because the information change needs to wait for the bank to initiate self-check at present, certain delay exists, and the debit card cannot be cleaned at the first time of failure.
In order to perform information processing on a debit card, troubleshoot failed cards, save labor cost, and improve processing efficiency and accuracy, an embodiment of the present invention provides an information processing method for a debit card, as shown in fig. 1, where the method may include:
104, receiving a second debit card text to be cleaned sent by the financial IC card by the main production environment of the core bank system, wherein the second debit card text to be cleaned is obtained by screening the first debit card text to be cleaned by the financial IC card;
and step 107, the backup environment of the core bank system sends the cleaning report to the financial IC card.
As shown in fig. 1, in the embodiment of the present invention, debit card information is obtained through a backup environment of a core banking system; determining a first debit card text to be cleaned by a backup environment of the core bank system according to the debit card information; the backup environment of the core bank system sends the first debit card text to be cleaned to the financial IC card; receiving a second debit card text to be cleaned sent by the financial IC card by the main production environment of the core bank system, wherein the second debit card text to be cleaned is obtained by screening the first debit card text to be cleaned by the financial IC card; the main production environment of the core bank system screens the second debit card text to be cleaned according to the debit card information to generate a cleaning result text; generating a cleaning report by the backup environment of the core bank system according to the cleaning result text; and the backup environment of the core bank system sends the cleaning report to the financial IC card. According to the method and the device, the debit card needing to be cleaned is screened out according to the debit card information, the manual processing work of a teller can be effectively released, the processing efficiency is improved, the core bank system and the financial IC card are linked to participate in screening, the processing accuracy can be effectively improved, and the situations of screening omission and mistaken cleaning are avoided.
In the embodiment, a backup environment of a core bank system obtains debit card information; and the backup environment of the core bank system determines the first debit card text to be cleaned according to the debit card information.
It should be noted that the debit-card information obtained by the back-up environment of the core banking system may be debit-card information for batch debit cards for subsequent batch processing.
In this embodiment, the debit card information includes: the card opening date, the state information, the associated account information, the debit card type and the associated peripheral system information; the backup environment of the core banking system determines a first debit card text to be cleaned according to the debit card information, comprising: and if the card opening date and the cleaning date of the debit card are separated by more than a set value, the state information is the card issuing state, the associated account information is null, the debit card type is not the set card type, the associated peripheral system information is null and is not a main card of other cards, the debit card information corresponding to the debit card is used as the first debit card text to be cleaned.
In specific implementation, every day, all dead debit cards needing to be cleaned are screened in batches in a backup environment (P2 end) of a core bank system according to the debit card information, and the screening needs to meet the following conditions:
(a) the debit card opening date and the clearing date are separated by one year;
(b) normal debit card status, card issued life status and empty new card life status (no card change left)
A collar card);
(c) no account is associated under the debit card item;
(d) debit card products are not special card types, such as fiscal debit cards, DPAN cards, MST cards, and the like;
(e) the debit card is not the primary card for the other cards;
(f) debit cards are not associated with peripheral systems such as fund systems, bond systems, intermediate business platforms, and the like;
in this embodiment, the setting of the card type includes: financial intercommunication debit cards, DPAN cards, MST cards; the peripheral system includes: a fund system, a bond system and an intermediate service platform.
In an embodiment, the backup environment of the core banking system sends the first to-be-cleaned debit card text to the financial IC card.
In this embodiment, the sending, by the backup environment of the core banking system, the first to-be-cleaned debit card text to the financial IC card (ICCD system) includes: and the backup environment of the core bank system sends the first to-be-cleaned debit card text to a data downloading platform (DCDS system), and the financial IC card obtains the first to-be-cleaned debit card text from the data downloading platform.
In an embodiment, the main production environment of the core banking system receives a second to-be-cleaned debit card text sent by the financial IC card, wherein the second to-be-cleaned debit card text is obtained by screening the first to-be-cleaned debit card text by the financial IC card.
In this embodiment, the second to-be-cleaned debit card text is obtained by screening the first to-be-cleaned debit card text by the financial IC card in the following manner: if the electronic cash of the debit card is in the closing state and the balance account is in the closing state, taking the first to-be-cleaned debit card text corresponding to the debit card as a second to-be-cleaned debit card text; and if the balance account of the debit card is in the state of not closing the account and the time that the balance is less than the set amount of money exceeds the set number of days, taking the first to-be-cleaned debit card text corresponding to the debit card as a second to-be-cleaned debit card text.
In this embodiment, the receiving, by the main production environment of the core banking system, the second to-be-cleaned debit card text sent by the financial IC card includes: and the financial IC card sends the second debit card text to be cleaned to an interface platform, and the main production environment of the core bank system obtains the second debit card text to be cleaned from the interface platform.
In the embodiment, a main production environment of the core bank system screens the second debit card text to be cleaned according to the debit card information to generate a cleaning result text; and the backup environment of the core bank system generates a cleaning report according to the cleaning result text.
In this embodiment, the generating, by the backup environment of the core bank system, a cleaning report according to the cleaning result text includes: and the backup environment of the core bank system generates a cleaning report according to the cleaning result text and the network point dimension, wherein the cleaning report comprises: card number information, state information, electronic cash account balance information, electronic cash account state information and processing result information.
In specific implementation, after a final text to be cleaned is obtained from an interface platform (IPS system) by a main production environment (P1 side) of a core bank system, it is necessary to judge whether conditions (a) to (f) are still satisfied, and if so, cleaning is performed as follows:
(1) updating the card state to be 'sold card';
(2) the association relation between the updated card and other cards is 'invalid';
(3) updating the association relation table of the client and the card to be invalid;
(4) updating debit card credential status to "externally voided";
(5) and generating a successful and failed card cancellation text.
And the P2 terminal generates a cleaning success report or a cleaning failure report according to the cleaning result text generated by the P1 terminal and the website dimensionality, wherein the elements comprise card number information, state information, electronic cash account balance information, electronic cash account state information and a processing result, and the result is downloaded to the DCDS system.
In an embodiment, the backup environment of the core bank system sends the cleaning report to the financial IC card.
In specific implementation, after the backup environment of the core bank system sends the cleaning report to the financial IC card, the financial IC card (ICCD system) checks and processes the result text obtained from the DCDS system again: the ICCD system supplements the recovery of an IC card electronic cash account that was sold due to the time difference or closes an electronic cash account that has been sold with a debit card.
Based on the same inventive concept, the embodiment of the present invention further provides a core banking system, as described in the following embodiments. Since the principles of these solutions are similar to the debit card information processing method, the implementation of the core banking system can be referred to the implementation of the method, and the repeated descriptions are omitted.
Fig. 2 is a structural diagram of a core banking system in an embodiment of the present invention, and as shown in fig. 2, the core banking system 200 includes:
an information obtaining module 201, configured to obtain debit card information in a backup environment;
the text determination module 202 is configured to determine, by the backup environment, a first to-be-cleaned debit card text according to the debit card information;
the text sending module 203 is used for sending the first debit card text to be cleaned to the financial IC card by the backup environment;
the text receiving module 204 is used for receiving a second to-be-cleaned debit card text sent by the financial IC card in the main production environment, wherein the second to-be-cleaned debit card text is obtained by screening the first to-be-cleaned debit card text by the financial IC card;
the result generation module 205 is configured to, after the main production environment screens the second to-be-cleaned debit card text according to the debit card information, generate a cleaning result text;
a report generation module 206, configured to generate a cleaning report according to the cleaning result text in the backup environment;
and the report sending module 207 is used for sending the cleaning report to the financial IC card by the backup environment.
In summary, in the embodiment of the present invention, the debit card information is obtained through the backup environment of the core bank system; determining a first debit card text to be cleaned by a backup environment of the core bank system according to the debit card information; the backup environment of the core bank system sends the first debit card text to be cleaned to the financial IC card; receiving a second debit card text to be cleaned sent by the financial IC card by the main production environment of the core bank system, wherein the second debit card text to be cleaned is obtained by screening the first debit card text to be cleaned by the financial IC card; the main production environment of the core bank system screens the second debit card text to be cleaned according to the debit card information to generate a cleaning result text; generating a cleaning report by the backup environment of the core bank system according to the cleaning result text; and the backup environment of the core bank system sends the cleaning report to the financial IC card. According to the method and the device, the debit card needing to be cleaned is screened out according to the debit card information, the manual processing work of a teller can be effectively released, the processing efficiency is improved, the core bank system and the financial IC card are linked to participate in screening, the processing accuracy can be effectively improved, and the situations of screening omission and mistaken cleaning are avoided.
In order to process the information of the debit card, check the invalid card, save labor cost and improve processing efficiency and accuracy, the embodiment of the invention provides another debit card information processing method. As shown in fig. 3, the method may include:
and step 304, the financial IC card receives a cleaning report sent by the backup environment of the core bank system, wherein the cleaning report is generated by the backup environment of the core bank system according to the cleaning result text, and the cleaning result text is generated by screening the second debit card text to be cleaned by the main production environment of the core bank system according to the debit card information.
As shown in fig. 3, in the embodiment of the present invention, the first to-be-cleaned debit card text sent by the backup environment of the core banking system is received through the financial IC card, where the first to-be-cleaned debit card text is determined by the backup environment of the core banking system according to the debit card information; the financial IC card screens the first debit card text to be cleaned to obtain a second debit card text to be cleaned; the financial IC card sends the second debit card text to be cleaned to a main production environment of a core bank system; and the financial IC card receives a cleaning report sent by the backup environment of the core bank system, wherein the cleaning report is generated by the backup environment of the core bank system according to a cleaning result text, and the cleaning result text is generated by screening a second debit card text to be cleaned by the main production environment of the core bank system according to the debit card information. According to the method and the device, the debit card needing to be cleaned is screened out according to the debit card information, the manual processing work of a teller can be effectively released, the processing efficiency is improved, the core bank system and the financial IC card are linked to participate in screening, the processing accuracy can be effectively improved, and the situations of screening omission and mistaken cleaning are avoided.
In an embodiment, the financial IC card receives a first to-be-cleaned debit card text sent by a backup environment of the core banking system, the first to-be-cleaned debit card text being determined by the backup environment of the core banking system based on the debit card information.
In this embodiment, the debit card information includes: the card opening date, the state information, the associated account information, the debit card type and the associated peripheral system information; the first to-be-cleaned debit card text is determined from the debit card information by the back-up environment of the core banking system as follows: and if the card opening date and the cleaning date of the debit card are separated by more than a set value, the state information is the card issuing state, the associated account information is null, the debit card type is not the set card type, the associated peripheral system information is null and is not a main card of other cards, the debit card information corresponding to the debit card is used as the first debit card text to be cleaned.
In this embodiment, the setting of the card type includes: financial intercommunication debit cards, DPAN cards, MST cards; the peripheral system includes: a fund system, a bond system and an intermediate service platform.
In this embodiment, the receiving, by the financial IC card, the first to-be-cleaned debit card text sent by the backup environment of the core banking system includes: and the backup environment of the core bank system sends the first debit card text to be cleaned to the data downloading platform, and the financial IC card obtains the first debit card text to be cleaned from the data downloading platform.
In the embodiment, the financial IC card screens the first debit card text to be cleaned to obtain a second debit card text to be cleaned.
In this embodiment, the financial IC card screening the first to-be-cleaned debit card text to obtain a second to-be-cleaned debit card text includes: if the electronic cash of the debit card is in the closing state and the balance account is in the closing state, taking the first to-be-cleaned debit card text corresponding to the debit card as a second to-be-cleaned debit card text; and if the balance account of the debit card is in the state of not closing the account and the time that the balance is less than the set amount of money exceeds the set number of days, taking the first to-be-cleaned debit card text corresponding to the debit card as a second to-be-cleaned debit card text.
In an embodiment, the financial IC card sends the second to-be-cleaned debit card text to a main production environment of the core banking system.
In this embodiment, the sending, by the financial IC card, the second to-be-cleaned debit card text to a main production environment of the core banking system includes: and the financial IC card sends the second debit card text to be cleaned to an interface platform, and the main production environment of the core bank system obtains the second debit card text to be cleaned from the interface platform.
In the embodiment, the financial IC card receives a cleaning report sent by a backup environment of the core bank system, the cleaning report is generated by the backup environment of the core bank system according to a cleaning result text, and the cleaning result text is generated by screening a second debit card text to be cleaned by a main production environment of the core bank system according to the debit card information.
In this embodiment, the cleaning report is generated according to the cleaning result text by the backup environment of the core bank system as follows: and the backup environment of the core bank system generates a cleaning report according to the cleaning result text and the network point dimension, wherein the cleaning report comprises: card number information, state information, electronic cash account balance information, electronic cash account state information and processing result information.
Based on the same inventive concept, the embodiment of the present invention also provides a financial IC card, as described in the following embodiments. Since the principles of these solutions are similar to the debit card information processing method, the implementation of the financial IC card can be referred to the implementation of the method, and the repeated descriptions are omitted.
Fig. 4 is a structural diagram of a financial IC card according to an embodiment of the present invention, and as shown in fig. 4, the financial IC card 400 includes:
the text receiving module 401 is configured to receive a first to-be-cleaned debit card text sent by a backup environment of the core bank system, where the first to-be-cleaned debit card text is determined by the backup environment of the core bank system according to the debit card information;
a text screening module 402, configured to screen the first to-be-cleaned debit card text to obtain a second to-be-cleaned debit card text;
a text sending module 403, configured to send the second to-be-cleaned debit card text to a main production environment of a core banking system;
the report receiving module 404 is configured to receive a cleaning report sent by the backup environment of the core bank system, where the cleaning report is generated according to the cleaning result text by the backup environment of the core bank system, and the cleaning result text is generated after the main production environment of the core bank system filters the second debit card text to be cleaned according to the debit card information.
In summary, in the embodiment of the present invention, a first to-be-cleaned debit card text sent by a backup environment of a core banking system is received through a financial IC card, where the first to-be-cleaned debit card text is determined by the backup environment of the core banking system according to debit card information; the financial IC card screens the first debit card text to be cleaned to obtain a second debit card text to be cleaned; the financial IC card sends the second debit card text to be cleaned to a main production environment of a core bank system; and the financial IC card receives a cleaning report sent by the backup environment of the core bank system, wherein the cleaning report is generated by the backup environment of the core bank system according to a cleaning result text, and the cleaning result text is generated by screening a second debit card text to be cleaned by the main production environment of the core bank system according to the debit card information. According to the method and the device, the debit card needing to be cleaned is screened out according to the debit card information, the manual processing work of a teller can be effectively released, the processing efficiency is improved, the core bank system and the financial IC card are linked to participate in screening, the processing accuracy can be effectively improved, and the situations of screening omission and mistaken cleaning are avoided.
In order to process the information of the debit card, check the invalid card, save labor cost, and improve processing efficiency and accuracy, an embodiment of the present invention provides a debit card information processing system, as shown in fig. 5, which may include: the core banking system 200 and the financial IC card 400. Since the principles of these solutions are similar to the debit card information processing method, the implementation of the debit card information processing system can be seen in the implementation of the method, and the repetition is not repeated.
An exemplary embodiment is provided below to illustrate a specific application of the debit card information processing in an embodiment of the present invention. In this embodiment, as shown in fig. 6, the debit card information processing is performed as follows:
1. after the texts to be cleaned are screened in batches at the P2 end every day, the cleaning texts are transmitted to an ICCD system through a DCDS system, and after the ICCD system confirms the cleaning texts, the texts to be cleaned are transmitted to a P1 end through an IPS system. After the P2 terminal obtains the cleaning result of the P1 terminal, a cleaning report is generated, and the cleaning report and the related information of a card table (CADM) are downloaded to an ICCD system:
2. and finally, screening all dead debit cards needing to be cleaned in batches at the end P2 every day, wherein the screening needs to meet the following conditions:
(a) the debit card opening date and the clearing date are separated by one year;
(b) normal debit card status, card issued life status and empty new card life status (no card change left)
A collar card);
(c) no account is associated under the debit card item;
(d) debit card products are not special card types, such as fiscal debit cards, DPAN cards, MST cards, and the like;
(e) the debit card is not the primary card for the other cards;
(f) the debit card is not associated with peripheral systems such as a fund system, a bond system, an intermediate business platform, and the like.
3. The P2 terminal transmits the text of the debit card screened out to be cleaned to the DCDS system.
4. After the ICCD system acquires the text to be cleared of the invalid debit card from the DCDS system, whether the electronic cash registration and the balance account are both closed or not needs to be confirmed. If the user is not closed, the balance is ensured to be zero for more than 90 days. After confirmation, the ICCD system deletes the IC card number which does not need to be cleaned, forms a new text to be cleaned and puts the new text into the IPS system.
5. After the P1 side obtains the final text to be cleaned from the IPS system, it needs to judge again whether the conditions a, b, c, d, e, and f are still satisfied, and if so, cleaning is performed:
(1) updating card status to 'sold card'
(2) The association relation between the updated card and other cards is 'invalid'
(3) Updating the customer-card association table to invalid "
(4) Updating debit card credential status to "externally voided"
(5) Generating sales card cleaning success and failure text
6. And the P2 terminal generates a cleaning success report or a cleaning failure report according to the mesh point dimension according to the cleaning result text generated by the P1 terminal, wherein the elements comprise card number, card state, electronic cash account balance and state, processing result and downloading the result to the DCDS system.
7. The ICCD system again examines and processes the result text obtained from the DCDS system: the ICCD system supplements the recovery of an IC card electronic cash account that was sold due to the time difference or closes an electronic cash account that has been sold with a debit card.
The embodiment of the invention firstly screens debit card information which needs to be cleaned in daily life in batches at a P2 end, sends records meeting conditions to an ICCD system for confirmation, the ICCD system obtains screening results to be cleaned generated at a P2 end from a DCDS system, confirms whether all cards in a screening text meet the screening conditions, generates an updated text to be cleaned and sends the updated text to an IPS system. And the P1 terminal obtains the text to be cleaned generated by the ICCD system from the IPS system, performs cleaning action according to the text, and sends the cleaning result text to the P2 terminal. And the P2 terminal generates a cleaning success report or a cleaning failure report according to the mesh point dimension according to the cleaning result text generated by the P1 terminal, wherein the elements comprise card number, card state, electronic cash account balance and state, processing result and downloading the result to the DCDS system. The ICCD system again checks and processes the resulting text obtained from the DCDS system, supplementing the recovery of the IC card electronic cash account that was spent because of the time difference or closing the electronic cash account that had spent the debit card. Through the daily batch processing, the debit cards meeting the cleaning condition are screened at the end of each day, the invalid debit cards are cleaned, and the manual work of tellers is released through the automatic batch processing mode, so that the processing efficiency is improved; meanwhile, the information of the invalid debit card can be acquired at the first time and processed in time in a daily batch screening mode. Secondly, through the formulation of detailed screening rules and the linkage screening among multiple systems, the accuracy of the screening range of the invalid debit card is ensured, and the situations of screening omission and mistaken cleaning can be effectively avoided.
For invalid debit cards needing to be cleaned, the existing mode cannot achieve timeliness of cleaning the invalid cards, and meanwhile, the existing manual cleaning mode has the problem of low efficiency on one hand and is easy to cause mistaken cleaning on the other hand. The invention can ensure the timeliness, the accuracy and the high efficiency of the cleaning of the invalid debit card through daily batch processing, therefore, the invention has the following advantages:
1. the efficiency of clearing up useless debit card is improved. By batch processing the dead debit cards in a daily batch mode, which need to be cleaned daily, a qualitative jump in efficiency is made over the prior manual method of processing only one card at a time.
2. The timeliness of the state change of the invalid card is ensured. Through the mode of batch processing every day, can guarantee that the ineffectiveness debit card information that needs to be cleared up in the day gets timely change, rely on the overall planning of bank to initiate than the change of current method, the promptness of change has been guaranteed.
3. The possibility of false cleaning is avoided to the greatest extent. The method can avoid the possibility of mistaken cleaning to the maximum extent by establishing a set of complete cleaning rules and by linkage check among a plurality of systems.
4. Reducing the occupation of main production environment resources. According to the method, the text to be cleaned is screened at the P2 end, and the invalid debit card is cleaned at the P1 end, so that the occupation of resources on a main production environment can be effectively reduced, and the production running efficiency is improved.
In summary, in the embodiment of the present invention, the debit card information is obtained through the backup environment of the core bank system; determining a first debit card text to be cleaned by a backup environment of the core bank system according to the debit card information; the backup environment of the core bank system sends the first debit card text to be cleaned to the financial IC card; receiving a second debit card text to be cleaned sent by the financial IC card by the main production environment of the core bank system, wherein the second debit card text to be cleaned is obtained by screening the first debit card text to be cleaned by the financial IC card; the main production environment of the core bank system screens the second debit card text to be cleaned according to the debit card information to generate a cleaning result text; generating a cleaning report by the backup environment of the core bank system according to the cleaning result text; and the backup environment of the core bank system sends the cleaning report to the financial IC card. According to the method and the device, the debit card needing to be cleaned is screened out according to the debit card information, the manual processing work of a teller can be effectively released, the processing efficiency is improved, the core bank system and the financial IC card are linked to participate in screening, the processing accuracy can be effectively improved, and the situations of screening omission and mistaken cleaning are avoided. In the embodiment of the invention, a first debit card text to be cleaned, which is sent by a backup environment of a core bank system, is received through a financial IC card, wherein the first debit card text to be cleaned is determined by the backup environment of the core bank system according to debit card information; the financial IC card screens the first debit card text to be cleaned to obtain a second debit card text to be cleaned; the financial IC card sends the second debit card text to be cleaned to a main production environment of a core bank system; and the financial IC card receives a cleaning report sent by the backup environment of the core bank system, wherein the cleaning report is generated by the backup environment of the core bank system according to a cleaning result text, and the cleaning result text is generated by screening a second debit card text to be cleaned by the main production environment of the core bank system according to the debit card information. According to the method and the device, the debit card needing to be cleaned is screened out according to the debit card information, the manual processing work of a teller can be effectively released, the processing efficiency is improved, the core bank system and the financial IC card are linked to participate in screening, the processing accuracy can be effectively improved, and the situations of screening omission and mistaken cleaning are avoided.
Based on the aforementioned inventive concept, as shown in fig. 7, the present invention further provides a computer device 700, which includes a memory 710, a processor 720, and a computer program 730 stored on the memory 710 and executable on the processor 720, wherein the processor 720 implements the aforementioned debit card information processing method when executing the computer program 730.
Based on the foregoing inventive concept, the present invention proposes a computer-readable storage medium storing a computer program which, when executed by a processor, implements the foregoing debit-card information processing method.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (19)
1. A method of processing debit card information, comprising:
the backup environment of the core bank system obtains debit card information;
determining a first debit card text to be cleaned by a backup environment of the core bank system according to the debit card information;
the backup environment of the core bank system sends the first debit card text to be cleaned to the financial IC card;
receiving a second debit card text to be cleaned sent by the financial IC card by the main production environment of the core bank system, wherein the second debit card text to be cleaned is obtained by screening the first debit card text to be cleaned by the financial IC card;
the main production environment of the core bank system screens the second debit card text to be cleaned according to the debit card information to generate a cleaning result text;
generating a cleaning report by the backup environment of the core bank system according to the cleaning result text;
and the backup environment of the core bank system sends the cleaning report to the financial IC card.
2. A debit card information processing method according to claim 1, wherein said debit card information comprises: the card opening date, the state information, the associated account information, the debit card type and the associated peripheral system information;
the backup environment of the core banking system determines a first debit card text to be cleaned according to the debit card information, comprising: and if the card opening date and the cleaning date of the debit card are separated by more than a set value, the state information is the card issuing state, the associated account information is null, the debit card type is not the set card type, the associated peripheral system information is null and is not a main card of other cards, the debit card information corresponding to the debit card is used as the first debit card text to be cleaned.
3. A debit card information processing method according to claim 2, wherein said setting card type comprises: financial intercommunication debit cards, DPAN cards, MST cards;
the peripheral system includes: a fund system, a bond system and an intermediate service platform.
4. The debit-card information processing method according to claim 1, wherein said backup environment of the core banking system sending said first to-be-cleaned debit-card text to the financial IC card comprises:
and the backup environment of the core bank system sends the first debit card text to be cleaned to the data downloading platform, and the financial IC card obtains the first debit card text to be cleaned from the data downloading platform.
5. A debit card information processing method according to claim 1, wherein said second debit card text to be cleaned is obtained by screening said first debit card text to be cleaned by said financial IC card as follows:
if the electronic cash of the debit card is in the closing state and the balance account is in the closing state, taking the first to-be-cleaned debit card text corresponding to the debit card as a second to-be-cleaned debit card text;
and if the balance account of the debit card is in the state of not closing the account and the time that the balance is less than the set amount of money exceeds the set number of days, taking the first to-be-cleaned debit card text corresponding to the debit card as a second to-be-cleaned debit card text.
6. The method of processing debit card information according to claim 1, wherein said host production environment of said core banking system receiving said second debit card text to be cleared sent from said financial IC card comprises:
and the financial IC card sends the second debit card text to be cleaned to an interface platform, and the main production environment of the core bank system obtains the second debit card text to be cleaned from the interface platform.
7. The debit card information processing method according to claim 1, wherein said backup environment of the core banking system generating a clearance statement based on said clearance result text comprises:
and the backup environment of the core bank system generates a cleaning report according to the cleaning result text and the network point dimension, wherein the cleaning report comprises: card number information, state information, electronic cash account balance information, electronic cash account state information and processing result information.
8. A method of processing debit card information, comprising:
the financial IC card receives a first debit card text to be cleaned sent by a backup environment of the core bank system, wherein the first debit card text to be cleaned is determined by the backup environment of the core bank system according to the debit card information;
the financial IC card screens the first debit card text to be cleaned to obtain a second debit card text to be cleaned;
the financial IC card sends the second debit card text to be cleaned to a main production environment of a core bank system;
and the financial IC card receives a cleaning report sent by the backup environment of the core bank system, wherein the cleaning report is generated by the backup environment of the core bank system according to a cleaning result text, and the cleaning result text is generated by screening a second debit card text to be cleaned by the main production environment of the core bank system according to the debit card information.
9. A debit card information processing method according to claim 8, wherein said debit card information comprises: the card opening date, the state information, the associated account information, the debit card type and the associated peripheral system information;
the first to-be-cleaned debit card text is determined from the debit card information by the back-up environment of the core banking system as follows: and if the card opening date and the cleaning date of the debit card are separated by more than a set value, the state information is the card issuing state, the associated account information is null, the debit card type is not the set card type, the associated peripheral system information is null and is not a main card of other cards, the debit card information corresponding to the debit card is used as the first debit card text to be cleaned.
10. A debit card information processing method according to claim 9, wherein said setting card type comprises: financial intercommunication debit cards, DPAN cards, MST cards;
the peripheral system includes: a fund system, a bond system and an intermediate service platform.
11. The debit-card information processing method according to claim 8, wherein the financial IC card receiving the first debit-card text to be cleaned sent from the back-up environment of the core banking system comprises:
and the backup environment of the core bank system sends the first debit card text to be cleaned to the data downloading platform, and the financial IC card obtains the first debit card text to be cleaned from the data downloading platform.
12. A debit card information processing method according to claim 8, wherein said financial IC card screening said first debit card text to be cleaned to obtain a second debit card text to be cleaned, comprises:
if the electronic cash of the debit card is in the closing state and the balance account is in the closing state, taking the first to-be-cleaned debit card text corresponding to the debit card as a second to-be-cleaned debit card text;
and if the balance account of the debit card is in the state of not closing the account and the time that the balance is less than the set amount of money exceeds the set number of days, taking the first to-be-cleaned debit card text corresponding to the debit card as a second to-be-cleaned debit card text.
13. A debit card information processing method according to claim 8, wherein said financial IC card sending said second debit card text to be cleared to a main production environment of a core banking system, comprising:
and the financial IC card sends the second debit card text to be cleaned to an interface platform, and the main production environment of the core bank system obtains the second debit card text to be cleaned from the interface platform.
14. The debit-card information processing method according to claim 8, wherein said clearance statement is generated from the clearance result text by the back-up environment of the core banking system as follows:
and the backup environment of the core bank system generates a cleaning report according to the cleaning result text and the network point dimension, wherein the cleaning report comprises: card number information, state information, electronic cash account balance information, electronic cash account state information and processing result information.
15. A core banking system, comprising:
the information acquisition module is used for backing up the environment to acquire debit card information;
the text determining module is used for determining a first debit card text to be cleaned according to the debit card information in the backup environment;
the text sending module is used for sending the first debit card text to be cleaned to the financial IC card in the backup environment;
the text receiving module is used for receiving a second debit card text to be cleaned sent by the financial IC card in the main production environment, wherein the second debit card text to be cleaned is obtained by screening the first debit card text to be cleaned by the financial IC card;
the result generation module is used for generating a cleaning result text after the main production environment screens the second debit card text to be cleaned according to the debit card information;
the report generation module is used for generating a cleaning report according to the cleaning result text in the backup environment;
and the report sending module is used for sending the cleaning report to the financial IC card in the backup environment.
16. A financial IC card, comprising:
the system comprises a text receiving module, a first to-be-cleaned debit card text sending by a backup environment of a core bank system, wherein the first to-be-cleaned debit card text is determined by the backup environment of the core bank system according to debit card information;
the text screening module is used for screening the first debit card text to be cleaned to obtain a second debit card text to be cleaned;
the text sending module is used for sending the second debit card text to be cleaned to a main production environment of a core bank system;
and the report receiving module is used for receiving a cleaning report sent by the backup environment of the core bank system, wherein the cleaning report is generated by the backup environment of the core bank system according to the cleaning result text, and the cleaning result text is generated by screening the second debit card text to be cleaned by the main production environment of the core bank system according to the debit card information.
17. A debit card information processing system, comprising: a core banking system including the core banking system of claim 15 and a financial IC card including the financial IC card of claim 16.
18. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 14 when executing the computer program.
19. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 14.
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| CN202110670794.2A CN113240515A (en) | 2021-06-17 | 2021-06-17 | Debit card information processing method and system |
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| CN202110670794.2A CN113240515A (en) | 2021-06-17 | 2021-06-17 | Debit card information processing method and system |
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