Method for realizing debit and credit integrated card
An implementation method and credit card technology, applied in the computer field, can solve problems such as complex integration schemes, difficult integration, long project duration, etc., and achieve the effect of convenient customer transactions, realization of integration, and comprehensive functions
Inactive Publication Date: 2011-05-25
CHINA EVERBRIGHT BANK
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Problems solved by technology
In the industry, some combined deposit and loan cards realize the physical integration of the card through double magnetic stripe information, but the product layer is not connected, and there is a lack of organic linkage between the deposit and loan functions; some methods are based on the debit card system Secondary development and assembly of the product with the functional modules of the credit card system, the integration scheme is very complicated, the project duration is long, and the product function integration is not thorough
These will lead to a decline in customer experience satisfaction
Therefore, it is very difficult to integrate product functions that are independent of two different systems
Method used
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Embodiment Construction
[0037] The embodiments of the present invention will be described below with reference to the drawings.
[0038] The technical integration of debit card and credit card involves data communication between the core system, the credit card system (V+), the front-end system and the channel system, such as figure 1 Shown.
[0039] The core system is used to implement debit card business functions such as deposit and wealth management, and provide external service interfaces related to debit card business;
[0040] Credit card system, used to implement credit card business functions such as consumer credit, and provide external service interfaces related to credit card business;
[0041] The channel system is used to accept the deposit and loan card business and initiate transaction requests; the channels include counters, online banking, CallCenter, POS and self-service equipment, etc., and are also responsible for the management of the product interface;
[0042] The front-end system inclu...
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The invention discloses a method for realizing a debit and credit integrated card. The debit and credit integrated card is provided with a magnetic stripe, a card number, a password and two main accounts of debit and credit associated with the card number, wherein functions of the debit account is realized by a bank core system; functions of the credit account is realized by a bank credit card system; a bank pre-processing system automatically identifies a transaction account according to a transaction property; if the transaction property belongs to a debit card service, the bank pre-processing system routes the transaction to the bank core system; and if the transaction property belongs to a credit card service, the bank pre-processing system routes the transaction to the bank credit card system. By the method, flexibility and expansibility are high; integrated effect is complete; and the system transformation quantity is small.
Description
Technical field [0001] The invention relates to a method for realizing an integrated deposit and loan card, which belongs to the technical field of computers. Background technique [0002] Debit cards have a relatively early history in China, and the functions of debit cards in all banks are basically the same. They generally integrate functions such as savings deposits, shopping transfers, consumer settlement, online transactions, pledge loans, stocks and foreign exchange, e-commerce, investment and financial management. The multi-account multi-currency card, debit card has always been the best choice for individual customers to deposit money. The development of credit cards in my country is relatively late. In recent years, there has been an explosive growth trend. Credit cards of various banks generally have functions such as consumption first, repayment later, no guarantee, no deposit, and enjoy interest-free repayment period. Cards are the preferred banking product for consu...
Claims
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IPC IPC(8): G06Q40/00G06K19/06G06Q40/02
Inventor 戴兵
Owner CHINA EVERBRIGHT BANK