System and method for processing foreign currency bank card data based on network

A bank card and network technology, applied in the field of foreign exchange bank card data processing system, can solve the problems of not being able to know account details and exchange rate changes in time, and achieve the effect of improving market competitiveness and increasing income sources

Inactive Publication Date: 2008-09-24
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0009] The purpose of the present invention is to provide a network-based system and method for processing foreign exchange bank card data, which can effectively solve the risks caused by users not being able to know account details and exchange rate changes in time

Method used

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  • System and method for processing foreign currency bank card data based on network
  • System and method for processing foreign currency bank card data based on network
  • System and method for processing foreign currency bank card data based on network

Examples

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Embodiment 1

[0033] The embodiment of the present invention provides a network-based system for processing foreign exchange bank card data. The following is attached Figure 3-5 This embodiment of the present invention will be described in detail. in, image 3 It is a schematic structural diagram of a network-based system for processing foreign exchange bank card data according to an embodiment of the present invention. Figure 4 is a schematic structural diagram of a data storage device according to an embodiment of the present invention. Figure 5 is a schematic structural diagram of a data processing device according to an embodiment of the present invention.

[0034] Such as image 3 As shown, a network-based system for processing foreign exchange bank card data includes a system host 1 , a financial network 5 , a transaction terminal 6 , and a bank card 7 . The system host 1 can be a large computer, or a medium or small computer, running a system for processing bank transactions....

Embodiment 2

[0054] The embodiment of the present invention provides a network-based method for processing foreign exchange bank card data. The following is attached Image 6 This embodiment of the present invention will be described in detail. Image 6 It is a flow chart of a method for processing foreign currency bank card data according to an embodiment of the present invention.

[0055] Such as Image 6 As shown, a flow chart of a network-based method for processing foreign exchange bank card data, the steps are as follows:

[0056] Step 100: The foreign card goes to bank merchants, online shopping malls, ATMs and other banking service channels to perform settlement processing such as consumption, transfer or cash withdrawal, and the transaction terminal 6 inputs transaction data, including card number and consumption category (shopping consumption, cash withdrawal, transfer, etc.) , payment amount, card password and other information.

[0057] Step 101: The transaction data input ...

Embodiment 3

[0066] The embodiment of the present invention provides another network-based method for processing foreign exchange bank card data. The following is attached Figure 7 This embodiment of the present invention will be described in detail. Figure 7 It is a flow chart of a network-based method for processing foreign exchange bank card data according to another embodiment of the present invention. The difference between it and Embodiment 2 is only that between step 104 and step 105, the following steps can be further included, so that when the currency conversion checking unit 22 checks out that foreign currency conversion is required, the information is sent to the transaction terminal 6, and the customer The transaction terminal 6 confirms whether the foreign currency conversion transaction is performed.

[0067] Such as Figure 7 As shown, including adding the following steps:

[0068] Step 201: The main processing unit 20 returns information such as the transaction amoun...

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PUM

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Abstract

The invention provides a method and a system basing on network for the process of the data of a foreign currency deposit bank card. The data processing method includes: a client bank card is used for the transaction on a client terminal, and transaction data are transferred to the server through the network; the server receives the transaction data sent out by the client terminal, and whether the client bank card supports the currency conversion is checked; when the bank card supports the currency conversion, the server implements the currency conversion processing based on the transaction data; the server transfers the transaction data after the currency conversion to an overseas organization system through the internet; an overseas organization receives the transaction data after the currency converted and returns the transaction result to the server, and the server implements the liquidation treatment on the transaction result and implements the foreign exchange treatment based on the transaction data after the liquidation; the server returns the transaction result to the client terminal through the network.

Description

technical field [0001] The present invention relates to the technical field of bank card processing, in particular to a data processing system and method of a foreign currency bank card. Background technique [0002] Since its inception, bank cards have become a popular means of transaction payment around the world. Especially with the advent of the information age, bank cards, as a means of payment for transnational transactions, have become an indispensable means of settlement in people's daily lives. [0003] However, due to China's relatively strict foreign exchange management policy, the exchange between RMB and US dollars cannot be completely free. Therefore, people need to use domestic bank cards corresponding to RMB for domestic transactions, and when they travel abroad, visit relatives, or engage in business activities, they need to apply for and use another bank card that is settled in a designated foreign currency, such as US dollars or Hong Kong dollars. Intern...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G07F19/00G06Q40/02
Inventor 曹秋华吴蕃张宇鸿郑显凌
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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