A kind of method of POS terminal, server and process credit card issuer code conflict
Technical field
The present invention relates to point-of-sale terminal (POS, pointofsale) terminal to swipe the card consumer sale field, be specifically related to a kind of method that process POS terminal, server and process credit card issuer identification code (BIN) conflict.
Background technology
Bank card card BIN (BankIdentificationNumber, credit card issuer identification code), is generally first 6 of card number.Card BIN unifies coordinated allocation by special organizational structure, and therefore, block BIN and do not conflict between bank card, bank finance system can both uniquely identify a card sending mechanism according to card BIN.
Along with bank card financial machine and tool POS etc. progressively starts to accept non-banking card business, improve facility service efficiency, reduce trade company's management difficulty, for non-banking card transaction (such as: prepaid card, member card etc.), organizational structure's coordinated management that its card BIN resource is but ununified, respectively send out each, the card BIN of miscellaneous service type also exists the possibility of conflict.If all kinds of non-banking card only accepts in the closed system of oneself, no problem, but in the limited situation of trade company's resource, network channel, a POS terminal accepts the demand of multiple business strongly, card BIN must be caused to conflict, the way managed conflict at present or forbid adding of card type afterwards, otherwise independent terminal is put in portion, causes the wasting of resources.
Summary of the invention
Technical matters to be solved by this invention is, provides a kind of method that POS terminal, server and transaction card BIN conflict, and conflicts with the sweetly disposition POS terminal card BIN that swipes the card.
In order to solve the problems of the technologies described above, the invention discloses a kind of method that process issuing card identification code (BIN) is conflicted, comprising:
The information of server side definition conflict card BIN;
The information of POS terminal synchronous described conflict card BIN from described server;
Described POS terminal, when receiving transaction request, whether the transaction card type judging to initiate described transaction request according to the information of synchronous conflict card BIN exists card BIN is conflicted, if there is conflict, user is then pointed out to select card sending mechanism to get rid of conflict by hand, again by the card number of transactional cards and card sending mechanism information package in transaction request message, if there is no conflict, then the card number of transactional cards be bundled in transaction request message.
Preferably, in said method, described conflict card BIN information comprises card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length, initial card BIN, cut-off card BIN.
Preferably, in said method, during the information of described server side definition conflict card BIN, define the binding relationship of different POS terminal and the card BIN that conflicts;
During the information of described POS terminal synchronization conflicts card BIN from described server, the information of the card BIN that conflicts only synchronously bound with this POS terminal.
Preferably, in said method, different POS terminal and the binding relationship of the card BIN that conflicts comprise the POS terminal information of information and the binding thereof conflicting and block BIN, and wherein, described POS terminal information at least comprises POS terminal number, trade company's coding, terminal type.
Preferably, said method also comprises:
The information of described server side update inconsistency card BIN, the information of the conflict card BIN of described POS terminal from described server after synchronized update.
The invention also discloses a kind of point-of-sale terminal (POS) equipment, comprise conflict card issuing card identification code (BIN) synchronizing information module and card BIN clash handle module, wherein:
Described conflict card BIN synchronizing information module, the information of synchronization conflicts card BIN from server;
Described card BIN clash handle module, when receiving transaction request, judge whether the transaction card type of this transaction request of initiation exists card BIN and conflict according to the information of described conflict card BIN, if there is conflict, user is then pointed out to select card sending mechanism to get rid of conflict by hand, by the card number of transactional cards and card sending mechanism information package in transaction request message, if there is no conflict, then the card number of transactional cards is bundled in transaction request message.
Preferably, in above-mentioned POS terminal, described conflict card BIN information comprises card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length, initial card BIN, cut-off card BIN.
Preferably, in above-mentioned POS terminal, described conflict card BIN synchronizing information module, the information of the card BIN that conflicts synchronously bound with this POS terminal from server.
Preferably, in above-mentioned POS terminal, described card BIN clash handle module, there is card BIN conflict in the transaction card type judging to initiate this transaction request, prompting user selects card sending mechanism to refer to get rid of conflict by hand:
All card sending mechanism corresponding for the card BIN clashed and card sending mechanism coding are illustrated on POS terminal screen with menu-style by described card BIN clash handle module, and the card sending mechanism that prompting user manually selects this transactional cards corresponding is to get rid of conflict.
Preferably, in above-mentioned POS terminal, described conflict card BIN synchronizing information module, the request of conflict card BIN synchronizing information is sent to server, the terminal coding of this POS terminal is carried in described request, and carry out resolving the new conflict card BIN information of acquisition to the response message that server returns, and store new conflict card BIN information.
The invention also discloses a kind of server, comprise
Conflict card issuing card identification code (BIN) information definition module, definition conflict card BIN information, and respectively from different point-of-sale terminal (POS) apparatus bounds;
Database, record POS terminal information, conflict card BIN information, and the binding relationship of POS terminal and the card BIN that conflicts;
Conflict card BIN synchronizing information module, according to the binding relationship of POS terminal in described database with the card BIN that conflicts, by conflict card BIN synchronizing information to corresponding POS terminal.
Preferably, in above-mentioned server, described conflict card BIN information comprises card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length, initial card BIN, cut-off card BIN;
Described POS terminal information at least comprises POS terminal number, trade company's coding, terminal type.
Preferably, above-mentioned server also comprises:
Transaction routing module, receives the transaction request message that POS terminal sends, carries card sending mechanism information if detect in this transaction request message, then directly this transaction request is routed to the card sending system of specifying.
Preferably, in above-mentioned server, described conflict card BIN information definition module, when card BIN information of conflicting changes, amendment binding state, now, described database reminds POS terminal subsynchronously to carry at present lower.
Preferably, in above-mentioned server, described conflict card BIN synchronizing information module, receive the conflict card BIN synchronizing information request that POS terminal is initiated, and according to the terminal coding in synchronization request message, check whether and be synchronized up-to-date conflict card BIN information, if synchronously, then can inform in response message that POS terminal does not have conflict card BIN information that can be synchronous; Otherwise, then in response message, conflict card BIN information can be carried out packing and upload, so that the conflict card BIN synchronization module of POS terminal is resolved and preserved new conflict card BIN information.
Technical scheme can be conflicted by the sweetly disposition POS terminal card BIN that swipes the card, and improves the utilization factor of POS terminal resource, improves POS service handling environment, saves manpower, financial resource.
Accompanying drawing explanation
Fig. 1 is POS terminal card BIN Conflict Resolution System configuration diagram in the present embodiment;
Fig. 2 is the schematic flow sheet that in the present embodiment, transaction card BIN conflicts;
Fig. 3 is conflict card BIN synchronizing information process flow diagram in the present embodiment;
BIN Conflict solving schematic flow sheet is blocked when Fig. 4 is real consumption in the present embodiment;
Fig. 5 is that in the present embodiment, server carries out transaction request treatment scheme schematic diagram.
Embodiment
For making the object, technical solutions and advantages of the present invention clearly understand, hereafter will be described in further detail technical solution of the present invention by reference to the accompanying drawings.It should be noted that, when not conflicting, the feature in the embodiment of the application and embodiment can combine arbitrarily mutually.
Embodiment 1
The present embodiment provides a kind of transaction card BIN method of conflicting, and it realizes based on the system architecture shown in Fig. 1.Particularly, the implementation procedure of the method as shown in Figure 2, at least comprises following operation:
The information of step 100, server side definition conflict card BIN;
Wherein, conflict card BIN information is as shown in table 1, at least comprises: card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length, initial card BIN, cut-off card BIN.It should be noted that, card sending mechanism coding is unique with a card sending system binding.Card sending mechanism title is for being presented on POS terminal screen for user's identification selection.Conflict card BIN information can have many, needs whole down loading updating when POS terminal is synchronous.
Table 1 is conflict card BIN information table
In addition, conflict card BIN and POS terminal are bound, and block BIN information carry out associating in the database of server preserving by POS terminal with conflict.If conflict card BIN information has change, the sync id only needing amendment conflict card BIN binding is " needing synchronous ".
The information of step 200, POS terminal synchronization conflicts card BIN from server;
Step 300, POS terminal, when receiving transaction request, whether the transaction card type judging to initiate current transaction request according to the information of synchronous conflict card BIN exists card BIN is conflicted, if there is conflict, user is then pointed out to select card sending mechanism to get rid of conflict by hand, again by the card number of transactional cards and card sending mechanism information package in transaction request message, if there is no conflict, then the card number of transactional cards be bundled in transaction request message.
Particularly, POS terminal can by routine isochronous transaction (transaction of such as registering) from server end synchronization conflicts card BIN information, and this process as shown in Figure 3.After server end receives synchronization request message, according to POS terminal numbering in message, match the card BIN information of conflicting with its binding, judge whether to need synchronously.If do not need synchronous, then illustrating in syn ack message need not the conflict card BIN information of synchronized update; If the conflict card BIN information defined in system there occurs change, need synchronous, then conflict is blocked BIN information package in syn ack message.POS terminal, after receiving response message, resolves update content, and the renewal of new conflict card BIN information data is saved in local file.
When composition graphs 4 illustrates real consumption more below, the operating process that POS terminal transaction card BIN conflicts.User is after having brushed card, first POS terminal loads the conflict card BIN information of local cache, then this card number of concluding the business is used to mate with it, conflict card BIN is belonged to if matched, then card sending mechanism corresponding for the card BIN of all conflicts is displayed with menu-style, make cashier according to the card face printing card issuer of this transactional cards, a unique selected card sending mechanism (i.e. cashier by the card sending mechanism of manual option dealing card to get rid of conflict) from menu, then in transaction request message, needing is packed into account the card sending mechanism of artificial selection coding and transaction card number is convenient to the transaction routing module process of server end.If conflict, be not then bundled to transaction card number in transaction request message.
And for server, the transaction routing module in server receives above-mentioned transaction request, resolve transaction card number from message, and whether have artificial selected card sending mechanism, perform routing policy with this, detailed process as shown in Figure 5.If analytic message has artificial selected card sending mechanism, be then directly routed to corresponding card sending system according to this mechanism and continue process; If no, then according to the card sending mechanism of mating its correspondence in transaction card number to database, now certainly can only match a unique card sending mechanism.Because POS terminal and server end are synchronous, do not conflict in POS terminal there, server end also can not conflict.According to the card sending mechanism matched, transaction request is routed to corresponding card sending system and carries out subsequent treatment.
Embodiment 2
The present embodiment provides a kind of POS (PointofSale) equipment, can solve the problem of card BIN conflict when swiping the card transaction, and it at least comprises conflict card BIN synchronizing information module and card BIN clash handle module.
Conflict card BIN synchronizing information module, the information of synchronization conflicts card BIN from server;
During the information of synchronization conflicts card BIN, the information of the card BIN that conflicts that only synchronously can bind with this POS terminal from server.
Wherein, conflict card BIN information at least comprises card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length, initial card BIN, cut-off card BIN.Specifically can see table 1.
Particularly, conflict card BIN synchronizing information module, the request of conflict card BIN synchronizing information is sent to server, the terminal coding of this POS terminal is carried in this request, and carry out resolving the new conflict card BIN information of acquisition to the response message that server returns, and store new conflict card BIN information to replace the old conflict card BIN information that POS terminal stores.
Card BIN clash handle module, when receiving transaction request (i.e. bankcard consumption), judge whether the transaction card type of this transaction request of initiation exists card BIN and conflict according to the information of conflict card BIN, if there is conflict, user is then pointed out to select card sending mechanism to get rid of conflict by hand, by the card number of transactional cards and card sending mechanism information package in transaction request message, if there is no conflict, then the card number of transactional cards is bundled in transaction request message.In the present embodiment, prompting user selects card sending mechanism to refer to get rid of conflict by hand: all card sending mechanism corresponding for the card BIN clashed and card sending mechanism coding are illustrated on POS terminal screen with menu-style by card BIN clash handle module, and the card sending mechanism that prompting user manually selects this transactional cards corresponding is to get rid of conflict.
It should be noted that, the POS terminal in the present embodiment, include but not limited to that bank card accepts POS, prepaid card accepts POS.
Embodiment 3
The present embodiment provides a kind of server, and can coordinate to solve the problem of blocking BIN and conflicting with the POS terminal of embodiment 2, this server at least comprises following part.
Conflict card BIN information definition module, definition conflict card BIN information, and bind from different POS terminal respectively;
Database, record POS terminal information, conflict card BIN information, and the binding relationship of POS terminal and the card BIN that conflicts;
Wherein, conflict card BIN information at least comprises card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length, initial card BIN, cut-off card BIN.
POS terminal information at least comprises POS terminal number, trade company's coding, terminal type.
Conflict card BIN synchronizing information module, according to the binding relationship of POS terminal in database with the card BIN that conflicts, by conflict card BIN synchronizing information to corresponding POS terminal.
Particularly, conflict card BIN synchronizing information module, receive the conflict card BIN synchronizing information request that POS terminal is initiated, and according to the terminal coding in synchronization request message, check whether and be synchronized up-to-date conflict card BIN information, if synchronously, then can inform in response message that POS terminal does not have conflict card BIN information that can be synchronous; Otherwise, then in response message, conflict card BIN information can be carried out packing and upload, so that the conflict card BIN synchronization module of POS terminal is resolved and preserved new conflict card BIN information.
Above-mentioned server also includes transaction routing module, this module receives the transaction request message that POS terminal sends, detect in this transaction request message and whether carry card sending mechanism information, if carried, directly this transaction request is routed to the card sending system of specifying, if do not carried, then according to the card number in transaction request message, match its card sending mechanism, be routed to different card sending systems and carry out Account Disposal.
In addition, above-mentioned conflict card BIN information definition module, when card BIN information of conflicting changes, also can revise binding state, and now, described database reminds POS terminal subsynchronously to carry at present lower.
The all or part of step that one of ordinary skill in the art will appreciate that in said method is carried out instruction related hardware by program and is completed, and described program can be stored in computer-readable recording medium, as ROM (read-only memory), disk or CD etc.Alternatively, all or part of step of above-described embodiment also can use one or more integrated circuit to realize.Correspondingly, each module/unit in above-described embodiment can adopt the form of hardware to realize, and the form of software function module also can be adopted to realize.The application is not restricted to the combination of the hardware and software of any particular form.
The above, be only preferred embodiments of the present invention, be not intended to limit protection scope of the present invention.Within the spirit and principles in the present invention all, any amendment made, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.