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A payment card transaction gray record automatic balance method and system

A transaction record and payment card technology, applied in the field of information, can solve problems such as account freezing by mistake, and achieve the effect of avoiding card lock operations

Inactive Publication Date: 2011-12-21
汉军智能系统(上海)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The purpose of the embodiment of the present invention is to solve the settlement process of the payment card after the transaction is interrupted due to various abnormalities in the transaction process, and propose a payment card transaction gray record automatic balance method and system to realize the automatic balance after the abnormal transaction Account operations without human participation, and avoid frequent card lock operations or accidental freezing of accounts

Method used

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  • A payment card transaction gray record automatic balance method and system
  • A payment card transaction gray record automatic balance method and system
  • A payment card transaction gray record automatic balance method and system

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Embodiment Construction

[0023] The present invention will be described in further detail below in conjunction with the accompanying drawings.

[0024] Such as figure 1 with 2 As shown, it is a payment card transaction gray record automatic account balance method according to an embodiment of the present invention, and the method includes:

[0025] S101. The background receives the transaction record, and reads the balance and transaction serial number after the transaction;

[0026] S102. Determine whether there is a previous transaction record, if not, go to S104;

[0027] S103. If it exists, judge whether the previous transaction record is a normal record, if it is normal, then go to S104, if the previous transaction record is a gray record, then judge whether the balance of this serial number is equal to the balance of the previous transaction record , if equal, turn to S104, if not equal, then reverse the previous transaction record, turn to S104;

[0028] S104. Judging whether the last trans...

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Abstract

The embodiment of the present invention discloses a payment card transaction gray record automatic balance method and system, which are used in the field of information technology. The method and system enable the equipment terminal to store a gray record when any process required for normal transactions fails. , in the case of online, it will be sent back to the background in real time, and in the process of processing transaction records, the background will query the previous and previous transaction records according to the transaction serial number, and reverse the current and previous gray records that meet the conditions according to the logic of the automatic account balance process Right, to ensure that the balance of the card is consistent with the balance in the background. In this way, the automatic account balance of the gray consumption records of payment cards such as CPU cards is realized, and frequent card locking operations or accidental freezing of accounts are avoided.

Description

technical field [0001] The invention relates to the field of information technology, in particular to a payment card transaction gray record automatic balance method and system. Background technique [0002] With the widespread promotion of various payment cards such as CPU cards in small-amount payments in enterprises, various complex environments and some bad usage habits have caused communication interruptions between card reading devices and payment cards during transactions such as payment. Once this happens, it is easy to cause inconsistencies between the card wallet and the background wallet, that is, the phenomenon of uneven accounts. [0003] In view of the above phenomenon, the current solutions usually have the following two solutions: [0004] Lock before the transaction, the basic principle of locking before the transaction is to set the card lock sign before requesting the transaction, and then unlock it after the normal transaction is over, so that if there i...

Claims

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Application Information

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IPC IPC(8): G07F7/08
Inventor 曾湘平胡明辉黎德亿
Owner 汉军智能系统(上海)有限公司
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