Method and system for accepting various payment cards and performing transaction transfer treatment

A transfer processing and switching system technology, applied in the field of data transfer processing, can solve the problems of waste of resources, a large amount of funds, and high cost of transformation, and achieve the effect of reducing investment and saving resources

Active Publication Date: 2011-07-06
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] (1) High cost of transformation and waste of resources: At present, in the process of expansion, card issuers in the merchant industry that have been able to accept cards or bank cards in other industries deploy their own acceptance terminals and construction systems, and these resource investments require a lot of money, and Form the above-mentioned "multiple machines in one cabinet" phenomenon with other terminals, resulting in waste of resources;
[0007] (2) Cross-regional funds transfer: In the case of cross-regional card transaction funds, it is necessary to solve the problems of clearing transactions in the same city and different places and fund transfers. Therefore, it is necessary for industry card issuers to build an industry card payment exchange system, and the functions of this system are similar. The constru

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  • Method and system for accepting various payment cards and performing transaction transfer treatment
  • Method and system for accepting various payment cards and performing transaction transfer treatment
  • Method and system for accepting various payment cards and performing transaction transfer treatment

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Example

[0048] first embodiment

[0049] figure 2 It is a schematic diagram showing the configuration of a system for transaction transfer processing according to the first embodiment of the present invention.

[0050] like figure 2 As shown, in the present invention, the financial terminal 100 can accept business cards A, B, and bank card C. When the accepted card is the bank card C, the financial terminal 100 processes the transaction information through the acceptor 200 , the exchange system 200 , the settlement system 500 and the bank card issuer 600 . That is, the transaction processing of a general banking system is performed.

[0051] On the other hand, when the card accepted by the financial terminal 100 is the industry card A or B, the financial terminal 100 obtains the industry card information, and according to the acceptable industry card feature information stored in the financial terminal 100 and the transaction allocated to the industry card The routing card numbe...

Example

[0094] Second Embodiment

[0095] Figure 4 It is a schematic diagram showing the configuration of a system for transaction transfer processing according to the second embodiment of the present invention. The system for transaction transfer processing according to the second embodiment of the present invention is connected with figure 2 On the basis of the system for transaction transfer processing according to the first embodiment of the present invention shown, a barcode reading device 90 and an industry card issuing mechanism 900 are further provided. In addition to accepting industry cards A, B, and bank cards C, the system for transaction transfer processing in this embodiment can further accept industry card D in barcode format issued by industry card issuing institution 900 .

[0096] like Figure 4 As shown, a barcode reading device 90 is installed before the receiving end of the financial terminal 100. When the accepted payment card is an industry card D in barcod...

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Abstract

The invention relates to a method and system for accepting various payment cards and performing transaction transfer treatment. The method and system for transaction transfer treatment can accept the cards of various industries by using the conventional bank card payment information. The system comprises a financial terminal, an exchange system, a clearing system, an industry mechanism access preposition device, wherein the financial terminal accepts the bank cards or the industry cards and can convert the numbers of the industry cards into the numbers of the bank cards; the exchange system accepts the transaction requests from the financial terminal, and performs transfer treatment on the transaction requests of the related industry cards or the transaction requests of the related bank cards; and the industry mechanism access preposition device is arranged between an industry card issuing mechanism and the exchange system, and converts the transaction information containing transaction routing card numbers into the industry card information capable of being processed by the industry card issuing mechanism. By using the method and the system, the resources of the bank card payment exchange system can be fully utilized, and the investment of fund is reduced.

Description

technical field [0001] The present invention relates to a method and system for data transfer processing, in particular to a method and system for using a bank card payment system in a financial system to realize that a financial terminal accepts various payment cards and conducts transactions. Background technique [0002] In recent years, with the continuous improvement of market demand, industry card payment (such as bus stored value cards, various consumer cards, etc.) has become an important payment tool and payment method in the field of industry payment. The issuance and use of industry cards have the following characteristics: (1) Card standards are diversified: for example, the card media of industry cards include magnetic stripe cards, IC cards, barcode cards, etc., and the same card media has different technical standards for cards. The same, therefore, the industry card standards issued by different industries and different regions within the industry lack unifor...

Claims

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Application Information

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IPC IPC(8): G06Q20/00G06Q40/00
CPCG06Q20/02G06Q20/023
Inventor 夏智张卫东韩登峰蓝辉文
Owner CHINA UNIONPAY
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