CN101216920A - A system and method for the bankcard users to get instant special offers while making bankcard consumption - Google Patents
A system and method for the bankcard users to get instant special offers while making bankcard consumption Download PDFInfo
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- CN101216920A CN101216920A CNA2008100560633A CN200810056063A CN101216920A CN 101216920 A CN101216920 A CN 101216920A CN A2008100560633 A CNA2008100560633 A CN A2008100560633A CN 200810056063 A CN200810056063 A CN 200810056063A CN 101216920 A CN101216920 A CN 101216920A
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Abstract
The invention provides a system and a method for bankcard users to acquire consumption discount via bankcard consumption. A server is applied to establish a third party consumption points center via a computer database, so that bank cards of all banks can acquire consumption points when bankcard consumption is carried out on a POS of a shop; and according to accelerated points of a bankcard user and discount agreement of specially engaged commercial shops, the bankcard user can acquire consumption discount when bankcard consumption is carried out on the POS. The system and the method can facilitate to increase bank card consumption and reduce cash consumption.
Description
Technical field
The present invention relates to mobile communication technology field and financial field, particularly a kind of bank card user bankcard consumption of realizing promptly obtains preferential system and method, described bank card is meant the multiple or various bank card that Unionpay authenticates that has by each issued by banks, described indulgence is meant that various bank card user all carry out total mark of consumption during bankcard consumption on the POS of Unionpay, and calculate specially preferential price after the consumption discount according to the discount agreement of the franchised business of user's cumulative integral and Unionpay and described POS, and finish process of consumption with this specially preferential price.
Background technology
In present financial field and consumption and payment field, usually adopt and on the POS of franchised business, brush bank card as the cashless payment means, be characterized in finishing the transfer accounts clearance of the account of bank under the bank card to franchised business by the transaction system of Unionpay, make the bank card of middle-size and small-size bank and the bank card of large bank have same bankcard consumption channel, thereby all banks have a status that bank card that Unionpay authenticates is in equality on bankcard consumption; The bank that has is in order to promote the competitive power of its bank card, bank card for its distribution is carried out total mark of consumption, and carry out the preferential of this bank associated services aspect according to the integration of the bank card of this bank, make the bank card user of this bank obtain the preferential of some professional aspect, defective is: the bank card user of not all bank the time can both obtain integration in consumption, and on this basis professional preferential.The inventor thinks: if can overcome the defective of the above-mentioned bank differentiation integration service of bank card user in the POS consume activity, bank card user to all banks is all carried out integration by Unionpay when POS consumes, and consumption gives corresponding discount to POS according to the agreement of this integration and Unionpay and franchised business, to make the bank card user of all banks when POS consumes, can both obtain discount and integration, thereby promote the development of bank card business, reduce cash consumption, particularly under the situation that financial business is more and more popularized, the bank card holder can integration during to its bankcard consumption and is also presented the trend that rises day by day gradually according to the demand that scores accumulated obtain the consumption discount.Therefore, the bankcard consumption that satisfies bank card user is integration and promptly obtains preferential demand, is the scientific research task that the technician faces, and also is the service item that the financial field need provide as early as possible.
The English full name of described POS is Point of Sale, be meant point of sales terminal, it is a kind of multi-functional terminal end, the franchised business that it is installed in bank card is unified into network with accepting in the site with computing machine, just can realize that electronic funds transfers accounts automatically, it has functions such as supporting consumption, pre-authorization, inquiry into balance and transfers accounts, and uses safety, quick, reliable.
Existing computer technology, network technology and mobile communication technology, the design of carrying out integration by the third party outside the bank when making the bank card bankcard consumption that the inventor proposes first had realize may, that is to say when setting up the bank card bankcard consumption by the third party outside the bank and carry out integration and provide the operation system of consuming discount that technical support is provided according to the agreement of the cumulative integral of described bank card and franchised business by the third party.
Do not retrieve at present the relevant relevant patent documentation that the bank card of all banks is carried out integration on POS during bankcard consumption by the third party as yet.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, provide a kind of bank card user bankcard consumption of realizing promptly to obtain preferential system and method, adopt the present invention just can make all bank card user on the POS of Unionpay, all carry out total mark of consumption during bankcard consumption, and calculate specially preferential price after the consumption discount according to the discount agreement of the franchised business of user's cumulative integral and Unionpay and described POS, and finish process of consumption with this specially preferential price.
The total technical conceive of the present invention is, set up third party's total mark of consumption center and promptly carry out the total mark of consumption device of total mark of consumption by the third party, set up this user's bank card integration data bank at described third party's total mark of consumption center, set up the data bank and the discount rate standard of POS franchised business; Described third party's total mark of consumption center receives the bankcard consumption solicited message and the response message thereof of bank card, finishes consumption discount process and consumption charging process by described third party's total mark of consumption center according to the integration of the bank card in the consumption information.Wherein, described consumption discount process is: described third party's total mark of consumption center retrieves the cumulative integral of this bank card according to the bank card account number in the consumption solicited message, and the discount rate of this cumulative integral that number retrieves according to the trade company of the POS franchised business in this consumption information calculates specially preferential price, form new consumption request process with this favourable price, and the bank that sends under the described bank card finishes process of consumption.Wherein, described total mark of consumption process is that described third party's total mark of consumption center is according to the consumption amount of money and the bank card account number of consuming in the success message of asking to return, calculate the integration of this bank card in this consumption, and be accumulated in the integration of this bank card account number.
Technical scheme of the present invention is as follows:
Realize that the bank card user bankcard consumption promptly obtains preferential system, it is characterized in that: comprise POS, the POS access gate device, Unionpay bank card business dealing center and third party's total mark of consumption center, described POS is by communication network and the interconnection of POS access gate device, the POS access gate device is by data network and Unionpay bank card business dealing center and third party's total mark of consumption hub interconnection, be used to realize information interaction between POS and the total mark of consumption device and the information interaction between POS and the Unionpay bank card business dealing center, by data network interconnection, be used to realize the information interaction between Unionpay bank card business dealing center and the total mark of consumption device between described Unionpay bank card business dealing center and the total mark of consumption device; Wherein, described third party's total mark of consumption center is the Computer Database application server, be used to bank card user in database, to set up integration account information data, for franchised business sets up bank card user discount criteria information material during bankcard consumption on the POS of this franchised business in database, in database, set up the information material of the consumption discount rate of cumulative integral scope correspondence for arithmetical discount, be used to receive the solicited message of the inquiry bank card user consumption discount of initiating on the POS of franchised business and return the discount rate response message, the POS that is used to receive and handle franchised business goes up the bank card consumption solicited message of initiating, and is used to receive the response message after the bank card consumption success; Described POS access gate device is used for the service message that POS sends over is sent to third party's total mark of consumption center, and the operating result that third party's total mark of consumption center is returned sends to described POS, also be used for the service message that POS sends over is sent to Unionpay bank card business dealing center, and the operating result that Unionpay bank card business dealing center is returned sends to described POS; Described Unionpay bank card business dealing center is used to receive and handle the transferring accounts and query manipulation message to bank card account that POS initiates, and the return results messages, also be used for the response message of the bank card consumption success that receives is sent to third party's total mark of consumption center.
Realize that the bank card user bankcard consumption promptly obtains preferential correlation integral method, is characterized in that may further comprise the steps:
Utilize the Computer Database application server to set up third party's total mark of consumption center, be used to bank card user to set up the integration accumulation account of bank card account number, for franchised business sets up bank card user discount criteria recorded information during bankcard consumption on the POS of this franchised business in database, in database, set up the record material of the consumption discount rate of cumulative integral scope correspondence for the arithmetical discount rate;
On the actions menu of POS, increase preferential article of consumption, when bank card user after selecting preferential consumption order on the described POS, described POS produces preferential consumption order and sends to described third party's total mark of consumption center, described third party's total mark of consumption center retrieves cumulative integral according to the bank card account number in the described instruction, number calculate after the discount rate of this bank card account number according to the franchised business in this cumulative integral and the described instruction, consumption order after the formation discount, send to Unionpay bank card business dealing center, and the response message that Unionpay bank card business dealing center is returned turns back to described POS, described POS gives described bank card user the conclusion of the business information exhibition of indulgence consumption, if Unionpay bank card business dealing center returns success the response message of consumption, then described third party's total mark of consumption center converts the amount of money in the consumption of this indulgence on the account that integration is accumulated to described bank card to.
Realize that the bank card user bankcard consumption promptly obtains preferential discount rate method, is characterized in that may further comprise the steps:
Utilize the Computer Database application server to set up third party's total mark of consumption center, be used to bank card user to set up the integration accumulation account of bank card account number, for franchised business sets up bank card user discount criteria recorded information during bankcard consumption on the POS of this franchised business in database, in database, set up the record material of the consumption discount rate of cumulative integral scope correspondence for the arithmetical discount rate;
On the actions menu of POS, increase the discount queried for items, when bank card user is being selected consumption discount query statement on the described POS after, described POS produces consumption discount query statement and sends to third party's total mark of consumption center, described third party's total mark of consumption center retrieves cumulative integral according to the bank card account number in the described query statement, number calculate after the consumption discount rate of this bank card account number according to the franchised business in this cumulative integral and the described query statement, return this discount rate to described POS, described POS comes out the discount rate information exhibition;
When bank card user is consumed in franchised business, at first on the POS of described franchised business, inquire the consumption discount rate of this bank card, on POS, select bankcard consumption then, the consumption amount of money after franchised business's input discount of described POS, described POS sends to Unionpay bank card business dealing center to consumption order, Unionpay returns at the bank card business dealing center response message of this consumption order to described POS, described POS shows this user to response message, if being successful consumption, the response message that Unionpay returns at the bank card business dealing center replys, then this response message is sent to third party's total mark of consumption center, the amount of money in this response message is converted on the account that integration is accumulated to described bank card by described third party's total mark of consumption center.
Realize that the bank card user bankcard consumption promptly obtains preferential non-online integration querying method, is characterized in that may further comprise the steps:
Connect third party total mark of consumption center and mobile operator communication network by data network, mobile phone carries out information interaction by carrying out information interaction between short message or voice or WAP mode and the third party's total mark of consumption center between mobile operator subscriber data center and the third party's total mark of consumption center;
By Internet connection third party total mark of consumption center, bank card user is by carrying out information interaction between Internet computing machine and the third party's total mark of consumption center;
In the database at third party's total mark of consumption center, set up the account number of bank card user and the corresponding relation record sheet between the Mobile Directory Number;
On the actions menu of POS, increase the integration project of opening an account, selecting integration on the described POS when bank card user opens an account after the instruction, bank card user is brushed bank card on described POS, the input password, the Mobile Directory Number that input is related, described POS produces open an account instruction and send to third party's total mark of consumption center of integration, described third party's total mark of consumption center produces checking bank card identity according to the bank card account number in the described instruction of opening an account and password and instructs Unionpay bank card business dealing center, Unionpay's bank card business dealing center echo reply message, if the verification passes, then described third party's total mark of consumption center produces Mobile Directory Number checking message to mobile operator subscriber data center according to the Mobile Directory Number in the described instruction of opening an account, mobile operator subscriber data center echo reply message, if the verification passes, then the corresponding relation between described bank card account number and the described Mobile Directory Number is set up at third party's total mark of consumption center in its database, and return the success message of opening an account for described POS, otherwise return the unsuccessful message of opening an account for described POS;
Reward on total mark standard information data is set in the database at third party's total mark of consumption center, after the total mark of consumption accumulation of bank card user reached incentive standard, the incentive message that third party's total mark of consumption center obtains this user by short message sent to the Mobile Directory Number of the account number correspondence of described bank card;
Bank card user sends the integration query messages to third party's total mark of consumption center by mobile phone, and the cumulative integral information of bank card account of the number correspondence of this mobile phone is returned at third party's total mark of consumption center.
Technique effect of the present invention is as follows:
The present invention realizes that bank card to all banks can both obtain total mark of consumption during bankcard consumption on the POS of trade company, by the cumulative integral of bank card user and the discount agreement of franchised business, make bank card user on POS, obtain preferential consumption discount during bankcard consumption, thereby help to increase bank card consumption, help to reduce cash consumption.
Description of drawings
Fig. 1 is that the present invention realizes that the bank card user bankcard consumption promptly obtains preferential system architecture synoptic diagram.
Fig. 2 is that the present invention realizes that the bank card user bankcard consumption promptly obtains the preferential system architecture synoptic diagram with non-online integration queried for items.
Fig. 3 is the system architecture synoptic diagram of the embodiment of the invention one.
Fig. 4 is the flow chart of steps of the automatic integration of the embodiment of the invention one.
Fig. 5 is the flow chart of steps of the discount inquiry of the embodiment of the invention one.
Fig. 6 is the flow chart of steps that the integration of the embodiment of the invention one is opened an account.
Fig. 7 is the system architecture synoptic diagram of the embodiment of the invention two.
Fig. 8 is the flow chart of steps of the indulgence consumption of the embodiment of the invention two.
The flow chart of steps of automatic integration when Fig. 9 is the consumption of the embodiment of the invention two.
Embodiment
As Fig. 1 is to realize that the bank card user bankcard consumption promptly obtains preferential structural representation, wherein:
POS130 connects POS access gate device 120 by communication network;
Total mark of consumption device 100 is by data network and POS access gate device 120 and 110 interconnection of Unionpay bank card business dealing center, and total mark of consumption device 100 is the total mark of consumption device that is carried out total mark of consumption by the third party, just third party's total mark of consumption center.
Preferably, the communication protocol between total mark of consumption device 100 and the Unionpay bank card business dealing center 110 adopts China Unionpay's issue " interchanger networking United Technologies standard V2.0 " agreement;
Preferably, the communication protocol between POS access gate device 120 and the Unionpay bank card business dealing center 110 adopts " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;
Preferably, the communication protocol between POS access gate device 120 and the total mark of consumption device 100 adopts " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;
Preferably, the communication protocol between POS and the POS access gate device 120 adopts " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;
Preferably, " POS of the China Unionpay terminal specification " of reference, the integration of the POS instruction message of opening an account is defined as follows,
| The integration transaction of opening an account | |||||
| The position | The domain name definition | Attribute | Request | Response | Remarks |
| 0 | Type of message | N4 | 0100 | 0110 | MSG-TYPE- |
| 1 | The bit table | B64 | M | M | BIT MAP |
| 2 | Primary account number | n..19 | C | M | When 22 territories indicate non-magnetic stripe input and can declare card number |
| 3 | The transaction processing sign indicating number | N6 | M | M | 030XXX |
| 11 | Being blocked method, system follows the tracks of number | N6 | M | M | POS terminal transaction serial number |
| 12 | Location, the side of the being blocked time | N6 | M | hhmmss | |
| 13 | Location, the side of the being blocked date | N4 | M | MMDD | |
| 14 | The card term of validity | N4 | O | C | YYMM |
| 22 | Service point input mode sign indicating number | N3 | M | ||
| 25 | The service point condition code | N2 | M | M | “00” |
| 26 | Service point PIN obtains sign indicating number | N2 | C | PIN can import and the holder imports PIN when 22 territories indicate | |
| 32 | Accept the square mark sign indicating number | n..11 | C | C | When being bank cashier machine, bank outlets, when conclude the business in the operator business hall, can filling in the site code name |
| 35 | 2 track data | z..37 | C | When 22 territories indicate the magnetic stripe input and have two magnetic track informations | |
| 36 | 3 track data | z...104 | C | When 22 territories indicate the magnetic stripe input and have three magnetic track informations | |
| 37 | Retrieving reference number | an12 | M | POS center serial number | |
| 39 | Answer back code | an2 | M | ||
| 41 | Blocked the machine host ID | Ans8 | M | M | POS terminal code |
| 42 | Blocked the square mark sign indicating number | Ans15 | M | M | Trade company's code |
| 44 | Additional response data | Ans..25 | M | Reception/acquirer | |
| 49 | Transaction currency code | an3 | M | M | |
| 52 | The person identifier code data | B64 | C | It is essential when the PIN input is arranged | |
| 53 | Security control information | N16 | C | C | It is essential when safety requirements is arranged |
| 54 | Surcharge value | An…040 | M | ||
| 60 | The custom zone | N...011 | M | M | |
| 60.1 | The type of transaction sign indicating number | N2 | M | M | |
| 60.2 | Batch number | N6 | M | ||
| 62 | The custom zone | Ans...51 2 | M | ||
| 64 | MAC | B32 | M | C | It is essential when 39 territories are " 00 " in the response message |
Open an account increment transaction data in the message of integration carries out self-definedly with 62 territories, wherein preceding 2 bytes are the usage sign " CI ", follow-up data field carries out as giving a definition:
| The position | Length | Form | Content | Explanation |
| 0 | 2 | N | Type of transaction | 07: customization |
| 2 | 2 | An | The customization type of number | 01: move 02: UNICOM, 03: Netcom, 04: telecommunications, 05: Tie Tong |
| 4 | 20 | Ans20 | Telephone number | Left-justify, right blank fill |
Preferably, " POS of the China Unionpay terminal specification " of reference, the discount query statement message of POS is defined as follows,
| Custom-built query | |||||
| The position | The domain name definition | Attribute | Request | Response | Remarks |
| 0 | Type of message | n4 | 0200 | 0210 | MSG-TYPE- |
| 1 | The bit table | b64 | M | M | BIT MAP |
| 2 | Primary account number | n..19 | C | M | |
| 3 | The transaction processing sign indicating number | n6 | M | M | The inquiry of swiping the card: " 990000 " |
| 11 | Being blocked method, system follows the tracks of number | n6 | M | M | The terminal transaction serial number |
| 12 | Location, the side of the being blocked time | n6 | M | hhmmss | |
| 13 | Location, the side of the being blocked date | n4 | M | MMDD | |
| 22 | Service point input mode sign indicating number | n3 | M | ||
| 25 | The service point condition code | n2 | M | M | “00” |
| 26 | Service point PIN obtains sign indicating number | n2 | C | PIN can import and the holder imports PIN when 22 territories indicate | |
| 32 | Accept the square mark sign indicating number | ans..11 | C | C | When being bank cashier machine, bank outlets, when conclude the business in the operator business hall, can filling in the site code name |
| 35 | 2 track data | z..37 | C | When 22 territories indicate the magnetic stripe input and have two magnetic track informations | |
| 36 | 3 track data | z...104 | C | When 22 territories indicate the magnetic stripe input and have three magnetic track informations | |
| 37 | Retrieving reference number | an12 | M | System's serial number | |
| 39 | Answer back code | an2 | M | ||
| 41 | Blocked the machine host ID | ans8 | M | M | Terminal code or Routing Number |
| 42 | Blocked the square mark sign indicating number | ans15 | M | M | Trade company's code |
| 44 | Additional response data | Ans..25 | M | Reception/acquirer | |
| 49 | Transaction currency code | an3 | M | M | |
| 52 | The person identifier code data | b64 | C | It is essential when the PIN input is arranged | |
| 53 | Security control information | n16 | C | C | It is essential when safety requirements is arranged |
| 62 | The custom zone | Ans...51 2 | C | It is essential when 39 territories are " 00 " in the response message | |
| 64 | MAC | B32 | M | C | It is essential when 39 territories are " 00 " in the response message |
62 territories are defined as follows in the custom-built query message:
| The position | Length | Form | Content | Explanation |
| 0 | 4 | Ans | Type of transaction | The discount ratio, for example 0.95 expression discount is 95% |
Preferably, " POS of the China Unionpay terminal specification " of reference, the preferential consumption order message of POS is defined as follows:
| The bank card consumption transaction | |||||
| The position | Data element | Data type | Transmit leg and numerical value | Remarks | |
| C→E | E→C | ||||
| 0 | Information type | N4 | 0200 | 0210 | |
| 1 | The bit table | B128 | M | M | |
| 2 | Account number | N..19 | M | M | |
| 3 | Transaction code | N6 | M | M | 800000 |
| 4 | Dealing money | N12 | M | M | |
| 7 | The transmission time on date | N10 | M | M | |
| 11 | Transaction journal | N6 | M | M | |
| 12 | Exchange hour | N6 | M | M | HHMMSS |
| 13 | Trade date | N4 | M | M | MMDD |
| 14 | The card term of validity | N4 | M | YYMM | |
| 15 | Date of settlement | N4 | M | MMDD | |
| 18 | Merchant type | N4 | M | M | |
| 22 | The service point input mode | N3 | M | ||
| 25 | The service point condition code | N2 | M | M | 00 |
| 26 | Service point PIN obtains sign indicating number | N2 | C | When password is arranged 06 | |
| 32 | Agency's identification code | N..11 | M | M | |
| 33 | The transmitting mechanism identification code | N..11 | M | M | |
| 34 | Telephone number | N..28 | M | M | When 22 territories indicate the magnetic stripe input and have two magnetic track informations |
| 35 | 2 track data | z..37 | C | ||
| The bank card consumption transaction | ||||||
| The position | Data element | Data type | Transmit leg and numerical value | Remarks | ||
| C→E | E→C | |||||
| 36 | 3 track data | z...104 | C | When 22 territories indicate the magnetic stripe input and have three magnetic track informations | ||
| 37 | System's serial number | An12 | M | |||
| 39 | Answer back code | An2 | M | |||
| 41 | Terminal number | Ans8 | M | M | ||
| 42 | Trade company number | Ans15 | M | M | ||
| 43 | Blocked the party name address | ans40 | M | |||
| 49 | Currency code | an3 | M | M | Renminbi 156 | |
| 52 | The person identifier code data | B64 | C | PIN | ||
| 53 | Security control | n16 | C | |||
| 100 | The receiving mechanism identification code | n..11(LLVAR) | M | |||
| 122 | The side of accepting keeps the territory | Ans...060 | O | O | ||
| 128 | Message Authentication Code | B64 | C9 | C9 | ||
Under Fig. 1 system architecture, realize that the bank card user bankcard consumption promptly obtains preferential correlation integral method, may further comprise the steps:
Utilize the Computer Database application server to set up total mark of consumption device 100, be used to bank card user to set up the integration accumulation account of bank card account number, for franchised business sets up bank card user discount criteria recorded information during bankcard consumption on the POS of this franchised business in database, in database, set up the record material of the consumption discount rate of cumulative integral scope correspondence for the arithmetical discount rate;
On the actions menu of POS130, increase preferential article of consumption, when bank card user after selecting preferential consumption order on the POS130, POS130 produces preferential consumption order and sends to total mark of consumption device 100, total mark of consumption device 100 retrieves cumulative integral according to the bank card account number in the described instruction, number calculate after the discount rate of this bank card account number according to the franchised business in this cumulative integral and the described instruction, consumption order after the formation discount, send to Unionpay bank card business dealing center 110, and the response message that Unionpay bank card business dealing center 110 is returned turns back to POS130, POS130 gives described bank card user the conclusion of the business information exhibition of indulgence consumption, if Unionpay bank card business dealing center 110 returns success the response message of consumption, then total mark of consumption device 100 converts the amount of money in the consumption of this indulgence on the account that integration is accumulated to described bank card to.
Under Fig. 1 system architecture, realize that the bank card user bankcard consumption promptly obtains preferential discount rate method, may further comprise the steps:
Utilize the Computer Database application server to set up total mark of consumption device 100, be used to bank card user to set up the integration accumulation account of bank card account number, for franchised business sets up bank card user discount criteria recorded information during bankcard consumption on the POS of this franchised business in database, in database, set up the record material of the consumption discount rate of cumulative integral scope correspondence for the arithmetical discount rate;
On the actions menu of POS130, increase the discount queried for items, when bank card user is being selected consumption discount query statement on the POS130 after, POS130 produces consumption discount query statement and sends to total mark of consumption device 100, total mark of consumption device 100 retrieves cumulative integral according to the bank card account number in the described query statement, number calculate after the consumption discount rate of this bank card account number according to the franchised business in this cumulative integral and the described query statement, return this discount rate to POS130, POS130 comes out the discount rate information exhibition;
When bank card user is consumed in franchised business, at first on the POS130 of described franchised business, inquire the consumption discount rate of this bank card, on POS130, select bankcard consumption then, the consumption amount of money after franchised business's input discount of POS130, POS130 sends to Unionpay bank card business dealing center 110 to consumption order, the response message of this consumption order is returned to POS130 in Unionpay bank card business dealing center 110, POS130 shows this user to response message, if being successful consumption, the response message that Unionpay bank card business dealing center 110 is returned replys, then this response message is sent to total mark of consumption device 100, the amount of money in this response message is converted on the account that integration is accumulated to described bank card by total mark of consumption device 100.
Under Fig. 2 system architecture, realize that the bank card user bankcard consumption promptly obtains preferential non-online integration querying method, may further comprise the steps:
Connect total mark of consumption device 100 and mobile operator communication network by data network, mobile phone 140 carries out information interaction by carrying out information interaction between short message or voice or WAP mode and the total mark of consumption device 100 between mobile operator subscriber data center 150 and the total mark of consumption device 100;
By Internet connection total mark of consumption device 100, bank card user is by carrying out information interaction between Internet computing machine 160 and the total mark of consumption device 100;
In the database of total mark of consumption device 100, set up the account number of bank card user and the corresponding relation record sheet between the Mobile Directory Number;
On the actions menu of POS130, increase the integration project of opening an account, selecting integration on the POS130 when bank card user opens an account after the instruction, bank card user is brushed bank card on POS130, the input password, the Mobile Directory Number that input is related, POS130 produces open an account instruction and send to total mark of consumption device 100 of integration, total mark of consumption device 100 produces checking bank card identity according to the bank card account number in the described instruction of opening an account and password and instructs Unionpay bank card business dealing center 110, Unionpay bank card business dealing center 110 echo reply message, if the verification passes, then total mark of consumption device 100 produces Mobile Directory Number checking message to mobile operator subscriber data center 150 according to the Mobile Directory Number in the described instruction of opening an account, mobile operator subscriber data center 150 echo reply message, if the verification passes, then total mark of consumption device 100 is set up the corresponding relation between described bank card account number and the described Mobile Directory Number in its database, and return the success message of opening an account, otherwise return the unsuccessful message of opening an account to POS130 to POS130;
Reward on total mark standard information data is set in the database of total mark of consumption device 100, after the total mark of consumption accumulation of bank card user reached incentive standard, the incentive message that total mark of consumption device 100 obtains this user by short message sent to the Mobile Directory Number of the account number correspondence of described bank card;
Bank card user sends the integration query messages to total mark of consumption device 100 by mobile phone 140, and total mark of consumption device 100 returns the cumulative integral information of bank card account of the number correspondence of mobile phone 140.
For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.
Consult Fig. 3, it is the system construction drawing of embodiments of the invention one, wherein, preferably, POS is the consumption POS that Unionpay installs, wherein, the POS access gate device places on the pos interface machine 220 of Unionpay, preferably, Unionpay bank card business dealing center 110 is made up of POSP1101 (POS agency) and CUPS1102 (bank transaction gateway), wherein POSP1101 is responsible for accepting the POS business, CUPS1102 is responsible for handling the bank card business dealing business of each bank, preferably, total mark of consumption device (this total mark of consumption device is the total mark of consumption device that is carried out total mark of consumption by the third party, just third party's total mark of consumption center) places database server, present embodiment is referred to as total mark of consumption server 200, wherein: interconnect by data network between total mark of consumption server 200 and the CUPS1102, and interconnect by data network between the pos interface machine 220, interconnect by data network with mobile operator subscriber data center 150; By the data network interconnection, by the data network interconnection, interconnect by data network between CUPS1102 and each the bank transaction gateway between CUPS1102 and the POSP1101 between pos interface machine 220 and the POSP1101; Preferably, the last increase of POS130 integration is opened an account and discount inquiry menu, when POS230 execution integration is opened an account with the discount query statement, POS130 sends to total mark of consumption server 200 to described instruction message through pos interface machine 220, when POS130 carries out other instructions, then described other instructions are sent to POSP1101 through pos interface machine 220; CUPS1102 is sent to total mark of consumption server 200 to successful each time bankcard consumption Transaction Information; The total mark of consumption server has three kinds from the mode that CUPS1102 obtains the bankcard consumption Transaction Information of success: the one, and the CUPS of non real-time criticizes transfer mode, the general regularly load mode that adopts, the 2nd, the real-time load mode of CUPS, the 3rd, the message collection pattern, promptly by consumption and the response message data of data acquisition means acquisition stream through CUPS, preferably, present embodiment adopts real-time load mode; As Fig. 4, Fig. 5, shown in Figure 6, be the specific implementation process flow diagram of the various operations of the embodiment of the invention one.
Be the performing step of automatic integration as Fig. 4, specific as follows:
F1-F2: bank card user is bankcard consumption on POS130, and POS130 sends consumption order to pos interface machine 220;
F3-F4:POS interface message processor (IMP) 220 sends to POSP1101 to the consumption request instruction, and POSP1101 sends to CUPS1102 to the consumption request message;
F5-F6:CUPS1102 is consuming the bank transaction gateway 230 that request message sends to the bank of bank card attribution of account numbers, and bank transaction gateway 230 returns the transaction response message to CUPS1102;
After F7-F8:CUPS1102 sends to POSP1101 to response message, consumer sale for success, CUPS1102 sends to total mark of consumption server 200 to this consumer sale information, and total mark of consumption server 200 changes into score accumulation to the consumption amount of money to the integration account of described bank card;
F9-F10:POSP1101 sends to POS130 to response message through pos interface machine 220, and POS130 shows response message.
As the performing step of Fig. 5, specific as follows for the discount inquiry:
F1-F2: bank card user is swiped the card on the POS130 of trade company and is inquired about the consumption discount information, and POS130 sends the discount query statement to pos interface machine 220;
F3:POS interface message processor (IMP) 220 sends to total mark of consumption server 200 to the instruction of discount query requests;
F4: total mark of consumption server 200 is according to the account number retrieval of franchised business in the discount query messages number and bank card and calculate after the discount rate of this trade company's consumption, and the response message of returning discount rate is to pos interface machine 220;
F5:POS interface message processor (IMP) 220 sends to POS130 to this response message, and POS130 shows response message.
As Fig. 6 is to swipe the card to finish the step that integration is opened an account, specific as follows:
F1-F2: bank card user is swiped the card on the POS130 of trade company and is selected the integration menu of opening an account, POS130 to send integration to open an account and instruct pos interface machine 220;
F3-F5:POS interface message processor (IMP) 220 sends to total mark of consumption server 200 to the integration request instruction of opening an account, total mark of consumption server 200 judges whether the account of the bank card in this instruction has opened transfer, if, then return the unsuccessful message of opening an account, EO, otherwise, generate bank card account checking instruction and the bank transaction gateway 230 under CUPS1102 sends to described bank card;
F6-F9: bank transaction gateway 230 returns the checking result, CUPS1102 sends to total mark of consumption server 200 to response result, if checking is not passed through, then return the unsuccessful message of opening an account, EO, otherwise, validity by data network described telephone number of 150 checkings to mobile communication carrier subscriber data center, if it is invalid, then return the unsuccessful message of opening an account, EO, otherwise, set up the integration corresponding relation between the bank card account number and telephone number in the message of opening an account, return the success message of opening an account to pos interface machine 220;
F10:POS interface message processor (IMP) 220 sends to POS130 to this response message, and POS130 shows response message.
Consult Fig. 7, it is the system construction drawing of embodiments of the invention two, wherein, preferably, POS is the consumption POS that Unionpay installs, wherein, the POS access gate device places on the pos interface machine 220 of Unionpay, preferably, Unionpay bank card business dealing center 110 is made up of POSP1101 (POS agency) and CUPS1102 (bank transaction gateway), wherein POSP1101 is responsible for accepting the POS business, CUPS1102 is responsible for handling the bank card business dealing business of each bank, preferably, total mark of consumption device (this total mark of consumption device is the total mark of consumption device that is carried out total mark of consumption by the third party, just third party's total mark of consumption center) places database server, present embodiment to be referred to as total mark of consumption server 200, wherein: interconnect by data network between total mark of consumption server 200 and the CUPS1102, and interconnect by data network between the pos interface machine 220; Interconnect by data network between CUPS1102 and each the bank transaction gateway; Preferably, the preferential consumption of the last increase of POS130 menu; As Fig. 8, shown in Figure 9, be the specific implementation process flow diagram of the various operations of the embodiment of the invention two.
Be the performing step of preferential consumption as Fig. 8, specific as follows:
F1-F2: bank card user is swiped the card on the POS130 of trade company and is selected preferential consumption menu, and POS130 sends preferential consumption order to pos interface machine 220;
F3:POS interface message processor (IMP) 220 sends to total mark of consumption server 200 to indulgence consumption request instruction;
F4-F5: total mark of consumption server 200 is according to the account number retrieval of franchised business in the discount query messages number and bank card and calculate after the discount rate of this trade company's consumption, generate the consumption order of the amount of money after the discount, and consumption order is sent to bank interface gateway 230 through CUPS1102;
F6-F8: bank interface gateway 230 sends to total mark of consumption server 200 to response message through CUPS1102, total mark of consumption server 200 sends to pos interface machine 220 to response message, for the response message that returns success, total mark of consumption server 200 changes into score accumulation to the consumption amount of money to the integration account of described bank card
F9:POS interface message processor (IMP) 220 sends to POS130 to this response message, and POS130 shows response message.
The performing step of integration when being consumption as Fig. 9, specific as follows:
F1-F2: bank card user is swiped the card on the POS130 of trade company and is selected the consumption menu, and POS130 sends consumption order to pos interface machine 220;
F3:POS interface message processor (IMP) 220 sends to total mark of consumption server 200 to consumption order;
F4-F5: total mark of consumption server 200 sends to bank interface gateway 230 to consumption order through CUPS1102;
F6-F8: bank interface gateway 230 to CUPS1102 sends to total mark of consumption server 200 to response message, total mark of consumption server 200 sends to pos interface machine 220 to response message, for the response message that returns success, according to the account number retrieval of franchised business in the message number and bank card and calculate after the discount rate of this trade company's consumption, generating the return amount of money is accumulated on this bank card integration account, simultaneously, total mark of consumption server 200 multiply by described discount rate to the consumption amount of money and changes into score accumulation to the integration account of described bank card;
F9:POS interface message processor (IMP) 220 sends to POS130 to this response message, and POS130 shows response message.
Above-described example only is a preferred implementation of the present invention; should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the principle of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (4)
1. realize that the bank card user bankcard consumption promptly obtains preferential system, it is characterized in that, comprise POS, the POS access gate device, Unionpay bank card business dealing center and third party's total mark of consumption center, described POS is by communication network and the interconnection of POS access gate device, the POS access gate device is by data network and Unionpay bank card business dealing center and third party's total mark of consumption hub interconnection, be used to realize information interaction between POS and the total mark of consumption device and the information interaction between POS and the Unionpay bank card business dealing center, by data network interconnection, be used to realize the information interaction between Unionpay bank card business dealing center and the total mark of consumption device between described Unionpay bank card business dealing center and the total mark of consumption device; Wherein, described third party's total mark of consumption center is the Computer Database application server, be used to bank card user in database, to set up integration account information data, for franchised business sets up bank card user discount criteria information material during bankcard consumption on the POS of this franchised business in database, in database, set up the information material of the consumption discount rate of cumulative integral scope correspondence for arithmetical discount, be used to receive the solicited message of the inquiry bank card user consumption discount of initiating on the POS of franchised business and return the discount rate response message, the POS that is used to receive and handle franchised business goes up the bank card consumption solicited message of initiating, and is used to receive the response message after the bank card consumption success; Described POS access gate device is used for the service message that POS sends over is sent to third party's total mark of consumption center, and the operating result that third party's total mark of consumption center is returned sends to described POS, also be used for the service message that POS sends over is sent to Unionpay bank card business dealing center, and the operating result that Unionpay bank card business dealing center is returned sends to described POS; Described Unionpay bank card business dealing center is used to receive and handle the transferring accounts and query manipulation message to bank card account that POS initiates, and the return results messages, also be used for the response message of the bank card consumption success that receives is sent to third party's total mark of consumption center.
2. realize that the bank card user bankcard consumption promptly obtains preferential correlation integral method, it is characterized in that, may further comprise the steps:
Utilize the Computer Database application server to set up third party's total mark of consumption center, be used to bank card user to set up the integration accumulation account of bank card account number, for franchised business sets up bank card user discount criteria recorded information during bankcard consumption on the POS of this franchised business in database, in database, set up the record material of the consumption discount rate of cumulative integral scope correspondence for the arithmetical discount rate;
On the actions menu of POS, increase preferential article of consumption, when bank card user after selecting preferential consumption order on the described POS, described POS produces preferential consumption order and sends to described third party's total mark of consumption center, described third party's total mark of consumption center retrieves cumulative integral according to the bank card account number in the described instruction, number calculate after the discount rate of this bank card account number according to the franchised business in this cumulative integral and the described instruction, consumption order after the formation discount, send to Unionpay bank card business dealing center, and the response message that Unionpay bank card business dealing center is returned turns back to described POS, described POS gives described bank card user the conclusion of the business information exhibition of indulgence consumption, if Unionpay bank card business dealing center returns success the response message of consumption, then described third party's total mark of consumption center converts the amount of money in the consumption of this indulgence on the account that integration is accumulated to described bank card to.
3. realize that the bank card user bankcard consumption promptly obtains preferential discount rate method, it is characterized in that, may further comprise the steps:
Utilize the Computer Database application server to set up third party's total mark of consumption center, be used to bank card user to set up the integration accumulation account of bank card account number, for franchised business sets up bank card user discount criteria recorded information during bankcard consumption on the POS of this franchised business in database, in database, set up the record material of the consumption discount rate of cumulative integral scope correspondence for the arithmetical discount rate;
On the actions menu of POS, increase the discount queried for items, when bank card user is being selected consumption discount query statement on the described POS after, described POS produces consumption discount query statement and sends to third party's total mark of consumption center, described third party's total mark of consumption center retrieves cumulative integral according to the bank card account number in the described query statement, number calculate after the consumption discount rate of this bank card account number according to the franchised business in this cumulative integral and the described query statement, return this discount rate to described POS, described POS comes out the discount rate information exhibition;
When bank card user is consumed in franchised business, at first on the POS of described franchised business, inquire the consumption discount rate of this bank card, on POS, select bankcard consumption then, the consumption amount of money after franchised business's input discount of described POS, described POS sends to Unionpay bank card business dealing center to consumption order, Unionpay returns at the bank card business dealing center response message of this consumption order to described POS, described POS shows this user to response message, if being successful consumption, the response message that Unionpay returns at the bank card business dealing center replys, then this response message is sent to third party's total mark of consumption center, the amount of money in this response message is converted on the account that integration is accumulated to described bank card by described third party's total mark of consumption center.
4. realize that the bank card user bankcard consumption promptly obtains preferential non-online integration querying method, it is characterized in that, may further comprise the steps:
Connect third party total mark of consumption center and mobile operator communication network by data network, mobile phone carries out information interaction by carrying out information interaction between short message or voice or WAP mode and the third party's total mark of consumption center between mobile operator subscriber data center and the third party's total mark of consumption center;
By Internet connection third party total mark of consumption center, bank card user is by carrying out information interaction between Internet computing machine and the third party's total mark of consumption center;
In the database at third party's total mark of consumption center, set up the account number of bank card user and the corresponding relation record sheet between the Mobile Directory Number;
On the actions menu of POS, increase the integration project of opening an account, selecting integration on the described POS when bank card user opens an account after the instruction, bank card user is brushed bank card on described POS, the input password, the Mobile Directory Number that input is related, described POS produces open an account instruction and send to third party's total mark of consumption center of integration, described third party's total mark of consumption center produces checking bank card identity according to the bank card account number in the described instruction of opening an account and password and instructs Unionpay bank card business dealing center, Unionpay's bank card business dealing center echo reply message, if the verification passes, then described third party's total mark of consumption center produces Mobile Directory Number checking message to mobile operator subscriber data center according to the Mobile Directory Number in the described instruction of opening an account, mobile operator subscriber data center echo reply message, if the verification passes, then the corresponding relation between described bank card account number and the described Mobile Directory Number is set up at third party's total mark of consumption center in its database, and return the success message of opening an account for described POS, otherwise return the unsuccessful message of opening an account for described POS;
Reward on total mark standard information data is set in the database at third party's total mark of consumption center, after the total mark of consumption accumulation of bank card user reached incentive standard, the incentive message that third party's total mark of consumption center obtains this user by short message sent to the Mobile Directory Number of the account number correspondence of described bank card;
Bank card user sends the integration query messages to third party's total mark of consumption center by mobile phone, and the cumulative integral information of bank card account of the number correspondence of this mobile phone is returned at third party's total mark of consumption center.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008100560633A CN101216920A (en) | 2008-01-11 | 2008-01-11 | A system and method for the bankcard users to get instant special offers while making bankcard consumption |
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| CNA2008100560633A CN101216920A (en) | 2008-01-11 | 2008-01-11 | A system and method for the bankcard users to get instant special offers while making bankcard consumption |
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Application publication date: 20080709 |