KR20020069655A - Purchase card transaction system on internet - Google Patents

Abstract

PURPOSE: A method for the business process of an Internet purchase card is provided to use the discount benefit and the point when buying a product through the Internet by accumulating a part of the commission for the transfer of a customer's account of the second financial organization. CONSTITUTION: A purchase site(30) includes an agent system for carrying out the EC(Electric Commerce) between a seller and a buyer(40) on the Internet. A payment gateway carries out the encryption and the user certification between the purchase site and an operator's system, and carries out the relay with other organization connection server. The operator's system(10) carries out the temporary permission business such as the relay and the data conservation for the temporary permission transaction of a purchase card, a temporary permission settlement/canceling business processing the settlement request data for the temporary permission transaction and carrying out the relay and the data conservation for the temporary settlement permission canceling transaction, a temporary permission settlement canceling business, a business for searching the usable remaining amount of the purchase limit, and the settlement detail search business.

Description

Purchasing card transaction system on internet

The present invention can be used to accumulate discounts and pointers when purchasing products on the Internet by earning a part of the fee for the payment amount by paying the balance of the customer account of the second financial institution as a payment method of cyber transactions in the form of bank transfer. The present invention relates to a purchase card processing business system.

Currently, since the second financial institution does not have its own credit creation function and external payment system, in order to perform these services, the second financial institution connects the system dependently to the bank, the first financial institution, and the customer of the second financial institution and the second financial institution. It is responsible for transferring funds, remitting and inquiring. However, in order to perform such a task, a second financial institution customer should visit the first financial institution directly or perform a limited financial business in cooperation with a specific first financial institution.

Here, the second financial institution refers to securities companies, insurance companies, credit card companies, credit cooperatives, Saemaul Undong, mutual credit safe deposits, trust companies, various capitals, technical finances, etc., except for the first financial institution, banks. This includes all customers who directly deal with secondary financial institutions, including the general public, corporations, government offices, and voluntary organizations.

If a second financial institution customer can make a financial transaction similar to the first financial institution, it can save time and effort of the customer, and also enhance competitiveness for the second financial institution that competes with the first financial institution. Under the premise, the applicant has developed a system according to the invention.

An object of the present invention is to pay the balance of the customer account of the second financial institution in the form of bank transfer as a means of payment of the cyber transaction to accumulate a part of the fee for the payment amount as points to accumulate discounts and pointers when purchasing products on the Internet. It is to provide a purchase card processing business system that can be used.

Figure 1a is a network system configuration of the present invention.

Figure 1b is a flow chart of the My Cash system according to the present invention.

Figure 1c is a block diagram of a full text consisting of "common part" and "data full text".

1D is a block diagram of a data header part used in the present invention.

Figure 2a is a schematic diagram of the work performed in the My Cash system according to the present invention.

Figure 2b is a full text display exchanged at each business process.

Figure 2c is a specialized diagram of the approval request / response.

Figure 2d is a block diagram of a preliminary approval request / response.

Figure 2e is a schematic diagram of the approval approval request / response.

Figure 2f is a block diagram of the approval of approval / cancellation request / response.

Figure 2g is a schematic diagram of the My Cash limit balance inquiry request / response.

3 is a flowchart of the approval service.

Fig. 4 is a flowchart of approval approval cancellation in the case of online cancellation in the consumer wallet.

Fig. 5 is a flowchart of approval approval cancellation in the case of manual cancellation at the purchase site.

Fig. 6 is a flowchart of the approval / cancellation work for approval.

Figure 7a, 7b is a flow chart and business explanatory diagram of the transaction history and settlement / deposit history inquiry service.

8 is a flowchart of a My Cash purchase card balance limit inquiry task;

<Description of Drawing>

My Cash system (10), authorized certification body (20), seller (30), buyer (40), second financial institution (50)

Work summary

The purchase card processing business system according to the present invention relates to a general payment relay system for use as a concept of an Internet-only purchase card as a payment means used in internet transactions between companies (B-to-B or B2B). In the following description, the purchase card processing service according to the present invention will be abbreviated as "My Cash".

(1) Definition of terms

1) Merchant: A business entity that provides goods and services traded in an e-commerce transaction and obtains a corresponding price.

2) Buyer: A business that receives the necessary goods and services from the seller and pays the corresponding price (using a My Cash purchase card to hold an electronic wallet).

3) Buying Site (B2B Trading Site): A trading place in a virtual space that allows sellers and buyers to conduct electronic commerce (item search (quotation)-item confirmation-order-payment, etc.) on the Internet. The concept of an internet shopping mall.

4) Relay system: It refers to an Internet broker system built to support payment on the Internet. It performs security (encryption) and user authentication and relays with other institution connection servers. Hereinafter, it is mixed with "payment gateway". PG literally plays a role of relaying a My Cash system and a purchase site according to the present invention as a gateway, and may be viewed as part of the My Cash system.

5) My Cash Operation System: A system that processes My Cash payment information received from the relay system and communicates payment and settlement information through connection with a second financial institution system linked with My Cash. Hereinafter, the term "My Cash server" is used interchangeably.

6) Second Financial Institution System: A computer system of a second financial institution that performs payment, transfer, and processing of the card account through connection with a relay system.

7) Operator: A person who operates the My Cash system and refers to the applicant.

(2) History

The tasks handled by this My Cash system can be summarized into the following three categories. More detailed work descriptions and processes will be described later with reference to the drawings.

1) Intermediate transaction relaying using My Cash purchase card: After the buyer places an order at the purchase site, the buyer requests the approval (financing after settlement transaction) using My Cash as a payment for the order. And relaying the full text of the response.

2) Settlement of the approved settlement transaction: When the seller delivers the goods to the buyer, the buyer completes the receipt after inspection and completes the transaction, and settles the payment to the second financial institution. It is the task of relaying the request and response message.

3) My Cash Purchasing Card Limit Balance Inquiry Relay: A buyer with a My Cash purchase card can search his / her remaining purchase limit. can do.

(3) system configuration

The network system configuration of the present invention is shown in Figure 1a. The My Cash system 10 is connected to the accredited certification authority 20, the seller 30, and the buyer 40 through the Internet, and the My Cash system 10 is connected to the second financial institution 50 and the X.25 protocol. Communicating with The My Cash system 10 operates the My Cash information database, the certificate authority database is operated by the accredited certification institution 20, and the second financial institution 50 operates the real account information purchasing finance database.

Figure 1b is a flow chart of the My Cash system according to the present invention. When the buyer 40 approaches (accesses) the seller 30 and places an order and requests approval of the purchase, the seller responds to the buyer (1). The seller 30 makes a transaction with the second financial institution 50 through the My Cash system 10 and the purchase approval request / response (②, ③, ④), and the seller 30 sends a delivery instruction to the shipping address. (5) When the buyer delivers the goods, the buyer checks the goods and confirms the receipt of goods (6). The purchase and request and response transactions with the second financial institution (50) through the My Cash system (10) (⑦, ⑧, ⑨). More detailed description will be given at each business description.

(4) Specialist division

Each full-text is divided into four-byte full-text and four-byte business, as shown in Tables 1a and 1b.

division Request Response Operation specialist 0800 0810 Professional 0200 0210 Cancellation 0400 0410 Professional 0200 0210 Aggregate 0700 0710 Other specialty 0900 0910

division Business code Remarks Operation specialist 1000 units Status check, business start / end, etc. Professional 5100 Payment approval request / cancellation task 5110 Approval / settlement of approval Professional 5300 My Cash Limit Balance Inquiry

(5) Form of online professional

Online full text refers to full text sent and received between My Cash server and financial institution. Specialist forms consist of specialized headers and data parts, and make full use of specialized forms related to credit card information networks and financial information networks. The default full form uses ASCII codes. Data elements using Korean characters use 16 unit codes of the KSC5601 information exchange code. Fig. 1C shows the construction of a telegram consisting of a "common part" and a "data telegram." 80 bytes are allocated to the common part, 150 bytes are allocated to the full text, and the total length is 230 bytes.

1D is a block diagram of a header of a data telegraph used in the present invention. In the composition table, the Y mark indicates whether or not the item is processed. If there is no Y mark, the space is treated as a space.

Explanation of each item about the structure of FIG. 1D is as follows.

1. Identification Code: Used as a distinction code for each transaction originating institution. Always used as '9'.

2. Agency code: The code of the agency requesting the transaction, used here as '999'

3. Institution code: The code of the institution that responds to the requested transaction, that is, the code of the second financial institution.

4. Date of Transaction: CCYYMMDD (Century, Year, Month, Day)

5. Transaction time: hhmmss (hours, minutes, seconds)

6. Professional serial number: Professional serial number used by the handling agency

7. Specialization: Refer to the specialty (Table 2)

8. Classification of duties: Refer to the professional type (Table 2)

9. Response code: In response to the second financial institution's processing result code, a space upon request and a predetermined response code will be displayed in case of response.

10. Terminal ID: terminal serial number managed by VAN

11. Terminal transaction serial number: terminal generated serial number managed by the terminal

12. Hangul code classification: Hex 18: IBM EBCDIC code, Hex 10: KSC5601 without S0, SI, Hex 11: S0, SI as 1E, 1F, Hex 12: S0, SI as 0E, 0F, Hex 03: 2 byte combination code without S0, SI, Hex 13: 2 byte combination code with S0, SI

Transaction Specialty Classification Division Approve request 0200 5100 answer 0210 Deauthorize request 0400 answer 0410 Approved settlement request 0200 5110 answer 0210 Cancellation of Approved Settlement Network request 0400 answer 0410 My Cash Limit Balance Inquiry request 0200 5300 answer 0210

Introduction and professional structure of each job description

The work history of the My Cash system according to the present invention is shown in detail in FIGS. 2a and 2b. FIG. 2A is a schematic description of each task, and FIG. 2B shows the full text exchanged in each task process. The configuration of each online transmission and reception message will be described with reference to the drawings.

Fig. 2C is a specialized diagram of the approval request / response. Each configuration item is described.

1 to 16: Refer to the full header part (FIG. 1D)

17: Buyer-Buying Site-My Cash System-Serial Numbers for Commonly Matched Transactions in Financial Institutions

18: 12-digit My Cash number issued by the buyer.

19: Amount of money-means the amount of purchase of goods to request approval. Ex) In case of $ 300

20: Tax-It is used to separately charge tax on the amount used, and it is often not used at the beginning. Taxes and service charges in item 20 are used when using a checkout terminal in the current credit card real market, and are added to the specialized specification in order to expand the Internet payment in the future. If not used, fill it with '0'.

21: TIP-Fill with '0' if not used as part of the service charge that is added to the amount used (see item 19).

22: Total amount-The total amount of use amount + tax + service charge.

23: PIN BLOCK-The encryption block of the buyer's My Cash password generally uses a space, but may be set later depending on the type of terminal. In the case of PIN BLOCK, it is sent encrypted to the card company, and the My Cash operator only plays the role of relay.

24: Approval number-If the financial institution accepts the request for approval of the transaction, a unique approval number is generated for the transaction and added to the response message. Set in the response code of the part and leave the approval number blank.

25: Free space to add new data configuration as business changes

26: This character indicates the end of full text of 230 bytes and sets the Hex 0d (0x0d) value.

Figure 2d is a specialized configuration of the approval request / response approved. Each configuration item is described.

1 to 16: Refer to the full header part (FIG. 1D)

17: Date when the transaction was approved.

18: The time when the transaction was approved

19: Buyer-Buying Site-My Cash Operator-Serial Numbers for Transactions Commonly Matched by Financial Institutions

20: The 10-digit My Cash number used when the buyer approves.

21: Approved Amount-Total amount used when requesting approval (use amount + tax + service fee)

22: PIN BLOCK-The encryption block of the buyer's My Cash password generally uses a space, but may be set later depending on the type of terminal. In the case of PIN BLOCK, it is transmitted to the card company in an encrypted state, and the operator only plays a relay role.

23: Approved number-Approved number obtained when approving transaction

24: Free space to add new data components as business changes

25: A character indicating the end of text of 230 bytes. Set Hex 0d (0x0d) value.

Figure 2e is a schematic diagram of the approval approval request / response. Each configuration item is identical to the preamble approval request / response full text. However, the content of the work is somewhat different from the internal treatment method of financial institutions due to the cancellation of approval.

Figure 2f is a block diagram of a preliminary approval settlement cancellation request / response. Each configuration item is identical to the preamble approval request / response full text. However, the contents of the work are canceled due to a system error on the settlement of approval, and the internal processing method of the financial institution is somewhat different.

Figure 2g is a specialized diagram of My Cash limit balance inquiry request / response. Each configuration item is identical to the preamble approval request / response full text.

Business process

(1) Provisional approval service (Fig. 3)

① The buyer prepares the order and payment through the wallet, attaches the encryption and the electronic signature, and sends it to the purchase site server.

② The purchasing site server sends encrypted payment information to the agent system, and the agent system sends the encrypted payment information to the PG.

③ PG decrypts the received payment through verification (certification confirmation), converts it to the full My Cash approval request, and delivers it to My Cash server.

④ My Cash server logs the message and sends the My Cash approved message to the second financial institution server to receive the response and deliver it to the PG. At this time, the second financial institution freezes the amount of the temporary authorization request from the balance (or loan limit) of the My Cash account so that it cannot be used for other purposes. But no actual transfer takes place.

⑤ PG formats the response message received from My Cash server into a payment response form, encrypts it, and sends it to the agent system of the purchase site.

⑥ The agent system of the purchasing site records the transaction processing (approval record) on the purchasing site server and ends the transaction by sending a payment response to the buyer's wallet after the recording is completed.

⑦ However, if the timeout of the approval response is 30 seconds in the process of all the above components, and if the timeout or the transaction does not end normally due to various errors, the cancellation message of the transaction is sent by processing as an incomplete process. Repeat until you receive a cancel response.

(2) Approval approval cancellation (in case of online cancellation in the consumer wallet) (Fig. 4)

① The purchaser prepares the order cancellation request through the wallet, attaches the encryption and electronic signature, and sends it to the purchase site server.

② The purchase site server transmits the encrypted payment cancellation request information to the agent system, and the agent system checks the current status of the corresponding transaction history of the purchase site server to determine whether online cancellation is possible. According to the policy of the purchase site, online sales cancellation is not possible for the order confirmation, delivery order, or the case where the sales confirmation process has already been processed. In addition, if the buyer's request for approval is approved, the transaction cannot be cancelled.

③ If cancellation is impossible, it is impossible to cancel online with the purchaser's wallet. Therefore, a notice message is sent to the purchase site for wired cancellation processing.

④ If cancellation is possible, the payment cancellation request shall be operated in the same process as the request for approval of FIG. 3a (including incomplete processing).

(3) Approved cancellation service (in case of manual cancellation at purchase site) (Fig. 5)

① The buyer shall communicate the intention to cancel the purchase through the purchase site and the landline call, and the purchase site shall decide to cancel the transaction after receiving the corresponding complaint.

② The person in charge of the purchase site selects the purchase details by using the transaction cancel work screen or library function of the provided agent system and executes the transaction cancel work.

③ Agent system of purchase site generates transaction cancellation request and sends it to PG.

④ PG decrypts the transaction cancellation request, converts it to the full text of the cancellation request, and sends it to the My Cash server.

⑤ My Cash server transmits the approval approval cancellation request message through communication with the second financial institution, receives the corresponding response, cancels the transaction, and sends the approval approval response message to the PG.

⑥ The PG converts the approval approval response text into a transaction cancellation result and encrypts it and sends it to the agent system of the purchase site.

⑦ The agent system of the purchase site receives the transaction cancellation result and records the order cancellation status in the order DB of the purchase site. In this case, when canceling a transaction at the purchase site, the cancellation of the transaction is not recorded in the buyer's electronic wallet so that the buyer can cancel the transaction in the electronic wallet.

(4) Cancellation of Approved Settlement (Cancellation Cancellation) (Figure 6)

In this work, the purchaser performs the order and approval of the purchase site, the purchase site finishes the delivery of the goods to the buyer, and after the inspection process, if there is nothing wrong with the purchase act. At the end of the transaction (confirmation of receipt after inspection), the buyer directly requests settlement of the approved transaction and deposits (transfers) the payment to the purchase site (seller) to complete the transaction. Once the approval is approved, the transfer is made to the operator's account, and the operator must make a deposit in the account of the purchase site (seller) within the next day or the settlement date + 3 days.

① The purchaser shall execute the request for approval of approval for the approved sales in the electronic wallet and transmit the purchase request for purchase to the PG through the purchase site system.

② The PG sends the approval request for approval to the My Cash server, and the My Cash server sends the approval message for the approval of the approval through the communication with the financial institution. The whole process of this work moves in the same flow as the request for approval. However, when a financial institution receives a request for settlement approval, the financial institution transfers the frozen amount to the operator's account and sends a settlement approval response. If, according to the incomplete process, the response to the approval request for approval is not received, the approval for cancellation of approval is canceled.

(5) Transaction history and settlement / deposit history inquiry service (Fig. 7a)

Purchasing sites (sellers) can always check their transaction details, settlement and deposit processing through the Web TMS (Transaction Management System) provided separately by PG. In addition, the processing, billing and deposit details after the approval of the purchaser can be viewed only through the TMS.

The work that can be done via TMS at the purchase site is as shown in Figure 7b.

(6) My Cash purchase card balance limit inquiry task (Fig. 8)

① The buyer prepares My Cash limit balance inquiry request through the wallet, attaches the encryption and electronic signature, and sends it to the purchase site server.

② The purchasing site server transmits the encrypted inquiry request information to the agent system, and the agent system transmits the encrypted payment information to the PG.

③ The PG decrypts the received inquiry request after verifying (authentication verification), converts it to the full My Cash limit balance inquiry request, and delivers it to the My Cash server.

④ My Cash server sends the limit balance inquiry request message to the financial institution, and the financial institution checks the account (or credit limit) balance and generates the inquiry response message and delivers it to My Cash server. The My Cash server sends the full balance balance inquiry response to the PG.

⑤ PG formats the response message received from My Cash server into limit balance inquiry response form, encrypts it, and sends it to the agent system of the purchasing site.

⑥ The agent system of the purchasing site sends a My Cash limit balance inquiry response to the purchaser's wallet to complete the transaction. In the case of inquiry service, incomplete processing is not performed.

According to the present invention, by paying the balance of the customer account of the second financial institution in the form of bank transfer as a payment method of the cyber transaction, accumulate a part of the fee for the payment amount as points, and accumulate discounts and pointers when purchasing products on the Internet. By enabling the use, it is possible to enhance the financial convenience of the customer and raise the status of the second financial institution.

Claims (11)

Purchasing site, which includes an agent system that allows sellers and buyers to conduct electronic commerce on the Internet, A relay system (hereinafter referred to as "PG") that performs security (encryption) and user authentication between the purchase site and the present operator system (hereinafter referred to as "My Cash system") and relays with other institution-linked servers; A purchase card processing service system, characterized in that the following operations are carried out by performing a professional exchange by communicating with a second financial institution connected to a My Cash system. 1) Approval approval, which is a service for relaying and preserving data on purchase card settlement approval transaction, 2) Settlement / cancellation of approval, which processes settlement request data for each approved transaction, relays and preserves data on purchase card payment, approval cancellation, and transaction; 3) If the normal termination is not made due to the network failure when approving the approval, the cancellation of the approval of the approval of the approval, 4) inquiry of available balance of My Cash purchase limit; 5) Settlement Details Inquiry provided in the form of Web TMS (Transaction Management System) that allows the seller to inquire his or her sales details, settlement and deposit details. In claim 1, 1) the approval task is When a purchaser prepares an order and payment through a wallet, attaches an encryption and an electronic signature, sends it to a purchase site server, the purchase site server delivers encrypted payment information to the agent system, and the agent system Sending an encrypted payment form with PG, PG decrypts the received payment through verification (certification verification) and converts the entire payment to the My Cash approval approval request and delivers it to My Cash server, The My Cash server logs the message and sends the My Cash approved message to the second financial institution server to receive the response and deliver it to the PG. PG format the response message received from the My Cash server to the payment response form and encrypts it and sends it to the agent system of the purchase site, The agent system of the purchasing site comprises the steps of recording the transaction processing (approval record) on the purchase site server and ending the transaction by sending a payment response to the wallet of the buyer after the recording is completed. The method of claim 2, wherein the My Cash server logs the corresponding message and sends the My Cash approved message to the second financial institution server to receive the response and deliver the response to the PG. Purchasing card processing system, characterized in that the second financial institution can not be used for other purposes by freezing the authorization amount in the balance (or loan limit) of the My Cash account. In claim 2, the timeout of the approval response is set during the processing of each step, and if the timeout or the transaction does not end normally due to various errors, the process is processed as an incomplete process to transmit the cancellation message of the transaction and to cancel the response. And repeating until received is added, the purchase card processing system. In claim 1, the approval of cancellation Buyer writes the order cancellation request through the wallet, and attaches the encryption and electronic signature, and transmits to the purchase site server, The purchase site server transmits the encrypted payment cancellation request information to the agent system, and the agent system determines whether online cancellation is possible by checking the current status of the corresponding transaction history of the purchase site server; If cancellation is not possible, it is impossible to cancel online with the purchaser's wallet, so sending a notice message to the wired cancellation request to the purchase site, If cancellation is possible, send the cancellation request to PG, PG decrypts the received payment cancellation request through verification (authentication verification) and converts it to the full My Cash approval cancellation request and delivers it to My Cash server, My Cash server logs the message and sends the My Cash approval cancellation message to the second financial institution server to receive the response and deliver it to the PG, PG format the response text received from the My Cash server to the approval cancellation response letter and encrypts it and sends it to the agent system of the purchase site, The agent system of the purchase site records the transaction processing (approval record) on the purchase site server and transmits the approval cancellation response to the purchaser's wallet after the record is completed to finish the transaction. In claim 1, the approval of cancellation The buyer communicates the intention to cancel the purchase through the wired call with the purchase site, and the purchase site receives the complaint and decides to cancel the transaction. The person in charge of the purchase site selects a corresponding purchase history using the transaction cancel work screen or library function of the provided agent system and executes the transaction cancel work. The agent system of the purchase site generates a transaction cancellation request and transmits it to PG, PG decrypts the transaction cancellation request and converts the transaction cancellation request message of the My Cash server to the My Cash server, The My Cash server transmits the approval approval cancellation request message through communication with the second financial institution, receives the corresponding response, cancels the transaction, and transmits the approval approval response message to the PG, PG converts the approval cancellation response text into a transaction cancellation result and encrypts it and sends it to the agent system of the purchase site, The agent system of the purchase site receives a transaction cancellation result and records the order cancellation status in the order DB of the purchase site. In claim 1, the approval / cancellation of approval At the end of the transaction (confirmation of receipt after inspection), the buyer directly requests settlement of the approved transaction and deposits (transfers) the payment to the purchase site (seller) to settle the approval, The purchaser sends a request for purchase of the purchase to the PG through the purchase site system by performing a request for approval of the approval on the electronic wallet for the approved sales. PG sends the approval request for approval to the My Cash server, the My Cash server transmits the approval of the approval of the approval to the PG by performing a request for approval and response through communication with the financial institution, If, in response to the incomplete process is not received a response to the approval request for approval, the purchase card processing business system comprising the step of processing the approval approval cancellation. In claim 1, transaction history and settlement / deposit history inquiry service Purchasing site (seller) through the web TMS (Transaction Management System) separately provided by PG purchase card processing business system, characterized in that to always look up the company's transaction history, settlement, deposit processing history. In claim 1, My Cash purchase card balance limit inquiry task The purchaser prepares a My Cash limit balance inquiry request through the wallet, attaches an encryption and an electronic signature, and sends it to the purchase site server; The purchase site server transmits the encrypted inquiry request information to the agent system, and the agent system transmits the encrypted payment information to the PG, PG decrypts the received inquiry request through verification (authentication verification), converts it to the My Cash limit inquiry full request to the My Cash server, and delivers it; My Cash server sends the full balance check request to the financial institution, the financial institution checks the balance of the account (or credit limit), generates the inquiry response message, and sends it to the My Cash server. Sending the full inquiry response to the PG, PG format the response message received from the My Cash server to the limit balance inquiry response form, encrypting and transmitting to the agent system of the purchase site, Agent system of the purchasing site is a purchase card processing business system consisting of sending a My Cash limit balance inquiry response to the buyer's Wallet to end the transaction. In any one of claims 1 to 10, the professional header portion to be processed, identification code, handling agency code, establishment institution code, transaction date, transaction time, professional serial number, professional classification, business classification, response code, terminal ID, terminal Purchasing card processing system including items of transaction serial number and Korean code division. The method according to any one of claims 1 to 9, The full text of the approval request / response includes the full header part, transaction serial number, My Cash number, usage amount, tax, service fee, total amount, pin block, and approval number. Authorization settlement request / response, approval authorization cancellation request / response, approval approval settlement / cancellation request / response of professional data includes approval date, approval transaction time, transaction serial number, My Cash number, authorization amount, pin block , Include the authorization number, My cash limit balance inquiry request / response professional data of the purchase card processing system, characterized in that the My Cash number, pin block, limit / balance classification, limit / balance amount.