TWI764697B - Credit card transaction processing system and method - Google Patents

Abstract

A storage unit of a credit card transaction processing system stores a customer data corresponding to a customer and a feedback plan database related to a plurality of sales channels, and the customer data includes a pair of virtual credit card numbers corresponding to the customer, and a plurality of pairs. Physical credit card information that should be a virtual credit card number. A processing unit of the credit card transaction processing system is electrically connected to the storage unit, and the processing unit receives a card transaction request including the virtual credit card number and a channel identification data indicating a target sales channel, according to the feedback The solution database selects a target entity credit card data from the entity credit card data corresponding to the virtual credit card number, and executes a pair of credit card transaction processing corresponding to the credit card transaction request according to the target entity credit card data.

Description

Credit card transaction processing system and method

The present invention relates to a processing system, in particular to a credit card transaction processing system for processing credit card transactions. The present invention also relates to a card-swiping transaction processing method implemented by the card-swiping transaction processing system.

Credit cards have become quite popular payment tools in recent years, and as a result, many card issuers have partnered with sales channels (such as brick-and-mortar stores and online sales platforms) to offer rewards programs to increase consumers’ willingness to spend with certain credit cards.

However, many consumers hold multiple credit cards at the same time, and if the reward schemes of each credit card in the same sales channel are different from each other, consumers need to compare which credit card should be used for the most cost-effective consumption, and it is easy to cause card swiping. inconvenience when consuming.

Therefore, one of the objectives of the present invention is to provide a credit card transaction processing system that can overcome the inconvenience of the prior art.

The credit card transaction processing system of the present invention includes a storage unit and a processing unit electrically connected to the storage unit. The storage unit stores a customer data corresponding to a customer and a feedback scheme database related to a plurality of sales channels, and the customer data includes a virtual credit card number corresponding to the customer and a plurality of entities corresponding to the virtual credit card number credit card information. After receiving a card transaction request including the virtual credit card number and a channel identification data indicating a target sales channel, the processing unit selects the physical credit card data corresponding to the virtual credit card number according to the reward scheme database Selecting a target entity credit card information, and executing a pair of card swiping transaction processing in response to the card swiping transaction request according to the target entity's credit card information.

In some implementation aspects of the credit card transaction processing system of the present invention, the reward scheme database includes a plurality of reward rules corresponding to the corresponding sales channels, and each reward rule is related to one or more specific credit card types, and the The processing unit selects the target entity credit card data from the entity credit card data of the customer data according to one of the feedback rules related to the target sales channel.

In some implementation aspects of the card transaction processing system of the present invention, the card transaction request further includes a card transaction amount, and the processing unit first calculates the amount of the card transaction according to the card transaction amount and the reward rule related to the target sales channel. The trial reward amount corresponding to the corresponding entity credit card information, then select one of the highest trial reward amount from the trial reward amount, and select the entity credit card information corresponding to the highest trial reward amount as the target entity credit card information .

In some implementation aspects of the card transaction processing system of the present invention, before the processing unit receives the card transaction request, after receiving a virtual card number application request indicating the customer information, the processing unit applies for the virtual card number according to the virtual card number. Request to generate the virtual credit card number, add the virtual credit card number to the customer data, and establish a corresponding relationship between the virtual credit card number and the physical credit card data of the customer data.

Another object of the present invention is to provide a card-swiping transaction processing method implemented by the card-swiping transaction processing system.

The card-swiping transaction processing method of the present invention is implemented by a card-swiping transaction processing system. The card-swiping transaction processing system stores a customer data corresponding to a customer and a feedback scheme database related to a plurality of sales channels, and the customer data includes a corresponding The virtual credit card number of the customer, and multiple pieces of physical credit card information corresponding to the virtual credit card number; the card transaction processing method includes: the card transaction processing system receives a channel including the virtual credit card number and a channel indicating a target sales channel After identifying the credit card transaction request of the data, select a target entity credit card data from the entity credit card data corresponding to the virtual credit card number according to the feedback scheme database, and execute a pair of corresponding credit card transaction request according to the target entity credit card data. Credit card transaction processing.

In some implementation aspects of the credit card transaction processing method of the present invention, the reward scheme database includes a plurality of reward rules corresponding to the corresponding sales channels, and each reward rule is related to one or more specific credit card types, and the The credit card transaction processing system selects the target entity credit card data from the entity credit card data of the customer data according to one of the feedback rules related to the target sales channel.

In some implementation aspects of the credit card transaction processing method of the present invention, the credit card transaction request further includes a credit card transaction amount, and the credit card transaction processing system first calculates the credit card transaction amount according to the credit card transaction amount and the feedback rule related to the target sales channel Create a plurality of trial reward limits corresponding to the corresponding entity credit card information, select one of the highest trial reward amounts from the trial reward amounts, and select the entity credit card data corresponding to the highest trial reward amount as the target entity credit card information.

In some implementation aspects of the card swiping transaction processing method of the present invention, before the card swiping transaction processing system receives the card swiping transaction request, after the card swiping transaction processing system receives a virtual card number application request indicating the customer information, according to The virtual card number application request generates the virtual credit card number, adds the virtual credit card number to the customer data, and establishes a corresponding relationship between the virtual credit card number and the physical credit card data of the customer data.

The effect of the present invention is that after receiving the card transaction request, the card transaction processing system can automatically select a credit card with the highest reward amount from the credit cards held by the customer to execute the card transaction processing program, thereby solving the problem of solving the problem. Customers need to compare the inconvenience of the reward limit of each credit card by themselves.

Before the present invention is described in detail, it should be noted: if not specifically defined, the "electrical connection" described in this patent specification generally refers to the "wired connection" between multiple electronic devices/devices/elements connected to each other through conductive materials. electrical connection” and “radio connection” for one-way/two-way wireless signal transmission through wireless communication technology. In addition, unless otherwise defined, the "electrical connection" described in this patent specification also generally refers to a "direct electrical connection" formed by directly connecting multiple electronic devices/devices/elements to each other, as well as multiple electronic devices/devices/components. The devices/components are also indirectly connected to each other through other electronic devices/devices/components.

Referring to FIG. 1, an embodiment of the card swiping transaction processing system 1 of the present invention is, for example, managed by a card issuer (such as a bank) that issues credit cards, and the card swiping transaction processing system 1 is suitable for use with multiple users 5 (FIG. 1 Only one is shown by way of example) communicate with each other through a network electrical connection. Wherein, each user terminal 5 can be, for example, a mobile electronic device (such as a smart phone) or a computer device, and, for ease of understanding, only the user terminal 5 shown in FIG. 1 is used for this description in the following description. Examples are described.

In this embodiment, the credit card transaction processing system 1 includes, for example, a storage unit 11 and a processing unit 12 electrically connected to the storage unit 11 .

More specifically, in this embodiment, the credit card transaction processing system 1 may be implemented as a plurality of servo devices electrically connected to each other, and the storage unit 11 may be implemented as a storage unit for storing digital data, for example. A data storage device, and the processing unit 12 is, for example, implemented as a plurality of central processing units that are electrically connected to each other. However, in other embodiments, the credit card transaction processing system 1 can also be implemented as a single server device, and the storage unit 11 can also be implemented as a conventional hard disk, a solid-state hard disk, or other types of computer-readable devices. A recording medium, or a combination of a plurality of different types of computer-readable recording media, and the processing unit 12 can also be implemented, for example, as a single central processing unit, or a control circuit board with a central processing unit. Therefore, the specific implementations of the card transaction processing system 1 , the storage unit 11 and the processing unit 12 are not limited to this embodiment.

In this embodiment, the storage unit 11 stores, for example, a plurality of pieces of customer data and a reward plan database, wherein, for example, the customer data respectively correspond to a plurality of customers of the card issuer, and the reward plan database For example, it is related to multiple sales channels (eg, including specific one or more physical storefronts and/or one or more online sales platforms) that allow consumers to pay with the credit card issued by the card issuer.

For the convenience of description, only one of the customer data (hereinafter referred to as "the customer data") is used to describe this embodiment, and the customer corresponding to the customer data is used as the customer in this embodiment. a specific customer.

In this embodiment, the customer data includes, for example, multiple pieces of physical credit card data, and each physical credit card data includes, for example, at least a credit card number, a credit card expiration time, and a credit card security code (also called a credit card verification code, or CVC). . More specifically, each physical credit card information corresponds to, for example, a credit card issued by the card issuer and held by the specific customer. Therefore, assuming that the customer information contains three physical credit card information, it represents the A specific customer holds a total of three credit cards issued by the card issuer, but not limited to this.

In this embodiment, the reward plan database includes, for example, a plurality of reward rules corresponding to the corresponding sales channels, wherein each reward rule includes, for example, one or more types of applicable reward credit cards, and one or more The calculation method of the reward amount corresponding to the type of reward credit card that should (etc.) be applied. More specifically, in this embodiment, each applicable reward credit card type may, for example, indicate a specific credit card issued by the card issuer, issued by the card issuer and belonging to the same credit card level (eg Platinum, Titanium, etc.), or multiple credit cards issued by the card issuer and belonging to the same credit card category (such as VISA, MASTER, etc.). On the other hand, each reward amount calculation method, for example, indicates parameters such as a reward percentage, a reward upper limit, and a consumption amount threshold for calculating the reward amount. In other words, in this embodiment, each of the reward rules is, for example, used to indicate a reward limit calculation rule when each credit card issued by the card issuer is used in each sales channel.

Referring to FIG. 1 and FIG. 2 at the same time, the following takes the user terminal 5 as an example to illustrate how the card-swiping transaction processing system 1 of the present embodiment implements a card-swiping transaction processing method.

First, in step S1, when the processing unit 12 receives a virtual card number application request from the user 5 and indicates the customer information, the processing unit 12, for example, performs an identity check on the virtual card number application request program. In addition, when the processing unit 12 determines that the identity verification procedure is passed, the processing unit 12 generates a unique virtual credit card number corresponding to a specific customer according to the virtual card number application request, and stores the virtual credit card number to the storage unit 11 .

Specifically, the processing unit 12 stores the virtual credit card number in the storage unit 11, for example, adding the virtual credit card number to the customer information corresponding to the specific customer, and establishing the virtual credit card number and the customer The corresponding relationship between the physical credit card data of the data, so that the virtual credit card number is included in the customer data and corresponds to the physical credit card data of the customer data.

It should be added that the virtual card number application request may be generated and output by the user 5 according to the operation of the specific customer, for example, but not limited thereto. In addition, since the manner in which the processing unit 12 executes the identity verification procedure is not the focus of this patent specification, the details thereof will not be described in detail here.

After the processing unit 12 stores the virtual credit card number in the storage unit 11, the process proceeds to step S2.

In step S2, the processing unit 12 transmits the virtual credit card number to the user terminal 5 for the user terminal 5 to store the virtual credit card number. Thereby, the specific customer can bind the virtual credit card number with the user 5 or the specific customer's own user account (eg, a user account of a shopping platform), but it is not limited thereto. Next, the flow proceeds to step S3.

In step S3, when the processing unit 12 receives a card transaction request corresponding to the customer information and including the virtual credit card number, a card transaction amount and a channel identification information, the processing unit 12, for example, according to the card transaction amount and One of the reward rules calculates a plurality of trial reward limits, and the trial reward limits are, for example, corresponding to the physical credit card data of the customer data, respectively.

More specifically, the channel identification data, for example, indicates a target sales channel, and the target sales channel is, for example, one of the sales channels. In addition, the processing unit 12 selects, for example, one target reward rule corresponding to the target sales channel from the reward rules according to the channel identification data, and then selects one target reward rule corresponding to the target sales channel according to the channel identification data, and then selects one of the target reward rules according to the target reward rule, the transaction amount of the card swiping and the customer data. Such physical credit card information is calculated separately for the trial reward amount.

It should be noted that the transaction request for swiping the card may be, for example, generated and output by the user 5 according to the operation of the specific customer. Generated and output by operating the user terminal 5 when swiping the card for consumption through the target sales channel. However, in a similar implementation aspect, the card transaction request can also be output by another user terminal according to the operation of the specific customer, that is to say, the card transaction request and the virtual card number application request can be respectively Generated and output by different users.

After the processing unit 12 calculates the trial reward amounts corresponding to the physical credit card information respectively, the process proceeds to step S4.

In step S4, the processing unit 12 selects one piece of target entity credit card data from the physical credit card data corresponding to the virtual credit card number according to the magnitude relationship between the trial calculation reward amounts, and according to the target entity credit card data Execute a pair of swipe transaction handlers that should request a swipe transaction. More specifically, the processing unit 12, for example, firstly selects the highest trial reward amount with the largest value from the trial reward amounts, and then selects the entity credit card information corresponding to the highest trial reward amount as the target entity credit card. material.

Moreover, after the card-swiping transaction processing program is completed, the card-swiping transaction processing method of this embodiment ends.

The above is an example description of how the card-swiping transaction processing system 1 of the present embodiment implements the card-swiping transaction processing method. By implementing the credit card transaction processing method by the credit card transaction processing system 1, when the specific customer wants to use the credit card issued by the card issuer to conduct credit card consumption through the target sales channel, the specific customer only needs to input the virtual credit card number to The user terminal 5 is operated to output a card transaction request including the virtual credit card number, so that the processing unit 12, after receiving the card transaction request, can retrieve the transaction request from the credit card held by the specific customer for the specific customer. The credit card with the highest rebate amount is selected to execute the swipe transaction processing procedure, so that the particular customer does not need to compare which credit card should be used in order to obtain the highest rebate amount, and indeed overcomes the inconvenience of the prior art.

It should be understood that the foregoing description of steps S1 to S4 and the flow shown in FIG. 2 are only used to illustrate one of the possible implementations of the card transaction processing method of the present invention, and even if steps S1 to S4 are performed Combination or sequence adjustment, as long as it can achieve the same effect as this embodiment, is an implementable aspect of the credit card transaction processing method of the present invention.

To sum up, by implementing the credit card transaction processing method, after receiving the credit card transaction request, the credit card transaction processing system 1 can automatically select a credit card with the highest reward amount from the credit cards held by the customer for the customer. Execute the card transaction processing program, thereby solving the inconvenience that the customer needs to compare the reward amount of each credit card by himself, so it can indeed achieve the purpose of the present invention.

However, the above are only examples of the present invention, and should not limit the scope of the present invention. Any simple equivalent changes and modifications made according to the scope of the application for patent of the present invention and the content of the patent specification are still within the scope of the present invention. within the scope of the invention patent.

1: Credit card transaction processing system 11: Storage unit 12: Processing unit 5: Use side S1~S4: Steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, wherein: FIG. 1 is a schematic block diagram of an embodiment of the card transaction processing system of the present invention cooperating with a user; and FIG. 2 is a flow chart for exemplarily explaining how this embodiment implements a card-swiping transaction processing method.

1: Credit card transaction processing system

11: Storage unit

12: Processing unit

5: Use side

Claims (8)

A credit card transaction processing system, comprising: a storage unit, storing a customer data corresponding to a customer and a feedback scheme database related to a plurality of sales channels, and the customer data includes a virtual credit card number corresponding to the customer and a plurality of data corresponding to the virtual credit card number physical credit card information; and a processing unit electrically connected to the storage unit, and after receiving a card transaction request including the virtual credit card number and a channel identification data indicating a target sales channel, the processing unit retrieves the transaction request from the A target entity credit card data is selected from the entity credit card data corresponding to the virtual credit card number, and a pair of credit card transaction processing corresponding to the credit card transaction request is executed according to the target entity credit card data. The credit card transaction processing system according to claim 1, wherein the reward scheme database includes a plurality of reward rules corresponding to corresponding sales channels, and each reward rule is related to one or more specific credit card types, and the The processing unit selects the target entity credit card data from the entity credit card data of the customer data according to one of the feedback rules related to the target sales channel. The card-swiping transaction processing system according to claim 2, wherein the card-swiping transaction request further includes a card-swiping transaction amount, and the processing unit first calculates the amount of the card-swiping transaction according to the card-swiping transaction amount and the reward rule related to the target sales channel. The trial reward amount corresponding to the corresponding entity credit card information, then select one of the highest trial reward amount from the trial reward amount, and select the entity credit card information corresponding to the highest trial reward amount as the target entity credit card information . The card transaction processing system according to claim 1, wherein before the processing unit receives the card transaction request, after receiving a virtual card number application request indicating the customer information, the processing unit applies for the virtual card number according to the virtual card number. Request to generate the virtual credit card number, add the virtual credit card number to the customer data, and establish a corresponding relationship between the virtual credit card number and the physical credit card data of the customer data. A card-swiping transaction processing method is implemented by a card-swiping transaction processing system, the card-swiping transaction processing system stores a customer data corresponding to a customer and a feedback scheme database related to a plurality of sales channels, and the customer data includes a pair of corresponding The virtual credit card number of the customer, and a plurality of physical credit card data corresponding to the virtual credit card number; the card transaction processing method includes: the card transaction processing system receives a channel including the virtual credit card number and a channel indicating a target sales channel After identifying the credit card transaction request of the data, select a target entity credit card data from the entity credit card data corresponding to the virtual credit card number according to the feedback scheme database, and execute a pair of corresponding credit card transaction request according to the target entity credit card data. Credit card transaction processing. The credit card transaction processing method according to claim 5, wherein the reward scheme database includes a plurality of reward rules corresponding to the corresponding sales channels, and each reward rule is related to one or more specific credit card types, and the The credit card transaction processing system selects the target entity credit card data from the entity credit card data of the customer data according to one of the feedback rules related to the target sales channel. The card-swiping transaction processing method according to claim 6, wherein the card-swiping transaction request further includes a card-swiping transaction amount, and the card-swiping transaction processing system first calculates the card-swiping transaction amount and the reward rule related to the target sales channel Create a plurality of trial reward limits corresponding to the corresponding entity credit card information, select one of the highest trial reward amounts from the trial reward amounts, and select the entity credit card data corresponding to the highest trial reward amount as the target entity credit card information. The card-swiping transaction processing method according to claim 5, wherein, before the card-swiping transaction processing system receives the card-swiping transaction request, after the card-swiping transaction processing system receives an application request for a virtual card number indicating the customer information, according to The virtual card number application request generates the virtual credit card number, adds the virtual credit card number to the customer data, and establishes a corresponding relationship between the virtual credit card number and the physical credit card data of the customer data.

Images