Method and system for realizing two accounts of one bank card
A technology for bank cards and bank accounts, applied in the field of bank cards, can solve the problems of increasing transaction processing time and cost, and achieve the effect of facilitating cross-regional use
Inactive Publication Date: 2011-01-19
CHINA CONSTRUCTION BANK
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Problems solved by technology
However, these two accounts belong to the same account system of the issuing bank. Regardless of whether the cardholder uses the bank card to initiate a transaction in the issuing bank's local or remote location, the transaction information must be transferred to the issuing bank's banking system for processing, virtually Increased the time and cost of transaction processing, namely: the essence of this one-card two-place bank card is still that the two bank accounts of the bank card belong to the same account system, and it is not really realized that the same bank card can span two Two bank accounts in the region use
Method used
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Embodiment 2
[0037] Such as figure 2 As shown, embodiment 2 of the method for realizing the account transaction of one bank card and two accounts includes the following steps:
[0038] S200, the business front of the First Bank sends the received account transaction information of one card and two accounts from the card acceptance channel of the First Bank to the Core Business Subsystem of the First Bank, and notifies the Core Business Subsystem of the First Bank Pre-process the account transaction information of one card and two accounts. Wherein, the realization method of notifying the core business subsystem of the first bank to perform pre-processing includes but not limited to the method of calling, that is, the first bank business pre-calls the corresponding module in the core business subsystem of the first bank to perform the pre-processing deal with.
[0039] S201. The core business subsystem of the first bank judges whether the balance of the first bank account is less than the ...
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The invention discloses a method and a system for realizing financial transaction and management transaction with two accounts of one bank card. The system comprises a first banking core service subsystem, a second banking core service subsystem, a first banking service front end and a second banking service front end. In the invention, the linkage of the first banking core service subsystem and the second banking core service subsystem are realized through the first banking service front end and the second banking service front end, one bank card may have two trans-regional bank accounts, the card holder can use a local account in a local area and use a different account in a different place, and when the balance of the local account is insufficient, the different account can be linked to transfer funds. In addition, the state information of the bank card with two accounts can be synchronized trans-regionally. Therefore, the card holder can make bank card transaction trans-regionally.
Description
technical field [0001] The present invention relates to the field of bank cards, and more specifically, to a method and system for realizing account transactions with one bank card and two accounts, and a method and system for realizing management transactions with one bank card and two accounts. Background technique [0002] With the development of the mainland economy and the increase in the appreciation potential of the RMB, more and more Hong Kong clients come to mainland banks to open accounts. Open an account in Hong Kong. As a result, more and more people travel between the Mainland and Hong Kong, and the economic activities between the two places become more frequent. People urgently need a bank card product that can cross bank accounts in the two places, which is convenient for people to use. A bank card travels between the mainland and Hong Kong for cross-regional transactions. [0003] For example, when people hold mainland bank cards to Hong Kong for cross-regio...
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Inventor 江志辉王赵羿徐峰吴炜斯沙云李建峰范海滨李瑆刘阳秋李清涛
Owner CHINA CONSTRUCTION BANK