Communication method for realizing instant settlement of trade company, consumer and distributor based on bankcard system

Abstract

The invention provides a communication method for realizing instant settlement of a trade company, a consumer (user) and a distributor based on a bankcard system, belonging to the network communication technology, and particularly relating to the communication technology of bankcard system instant settlement. With the help of a settlement system and a POS facility in a present bank payment system, a management module and a database associated with the management module are additionally installed in a bill reception bank settlement system, and an instant settlement processing module is additionally installed in the POS facility. To each settlement event, an electronic tag of an event and discount preference proportion are set, and the POS facility is upgraded. In bankcard consumption, the POS facility communicates with the management module, a binding relation of a bankcard and the event is verified, discount is executed and information is sent to the management module, a condition of carrying out the instant settlement of the trade company, the consumer (user) and the distributor is satisfied, and then the instant settlement of the trade company, the consumer (user) and the distributor is carried out.

Description

technical field [0001] The invention belongs to the network communication technology, in particular to the communication technology of bank card system instant settlement. Background technique [0002] At present, it is very common to use a bank card to swipe the card for consumption. In the process of using it, especially in the preferential activities of banks and merchants, there will be problems in clearing and settlement, which are mainly reflected in the following situations: [0003] The status quo of marketing activities between banks and preferential merchants: In order to stimulate consumers to use their bank cards to swipe their cards for consumption, banks offer discounts for consumption at preferential merchants by swiping their cards to checkout. Preferential marketing activities such as rebates, buy gifts, etc. cannot be effectively calculated and supported. Moreover, after consumers go to merchants to consume, merchants often do not honor discounts, resultin...

AI Technical Summary

Problems solved by technology

[0005] The status quo of marketing activities between the channel party and the merchant: the cooperation between the channel party and the merchant marketing promotion, for each transaction brought to the merchant, in the process of obtaining the transaction commission from the merchant, it is impossible to confirm whether the consumer goes to the merchant to consume and consume The specific amount, and in the subsequent settlement process with the merchant, encountered the problem that the merchant did not honor the rebate

[0006] The reason for the above problems is that the existing bank card system cannot provide the basis for real-time settlement of merchants, card-swiping consumers and channel parties, that is, there is no effective communication method to transmit the necessary information to the clearing and settlement system