Novel bank card transaction exchange system

Abstract

The invention relates to a novel bank card transaction exchange system. The system is an exchange network and a clearing network of various bank card transactions and comprises a processing center, at least one backup center, and network access mechanisms connected to the processing center through a network. The system is characterized in that the processing center is provided with a switching subsystem and a batch processing subsystem, and networking usage can be effectively realized. The system is a bank card transaction processing platform which realizes centralized exchange and uniform clearing, an advanced switching technology is adopted, the system is compatible with various network access interfaces, supports multi-currency multi-card transaction exchange and clearing and parametric functional configuration, adapts to market change and is safe and reliable, function extension is easy to realize, convenience is brought to a user, and peak transaction capacity accords with the development trend of a bank card service in the future.

Description

[0001] This application is a divisional application of the application No. 200410054170.4 and the title of the invention "A New Type of Bank Card Transaction Exchange System" (the original application date was August 31, 2004). technical field [0002] The invention relates to a bank card transaction exchange and clearing platform, in particular to a high-efficiency exchange platform for networking and general use. Background technique [0003] Due to the relatively late start of China's bank card industry and the lack of corresponding professional service companies, commercial banks have built their own bank card transaction exchange networks and clearing networks in various places and formed their own systems. Based on such a historical background, a national bank card exchange center has been established on the basis of a decentralized regional exchange network to form a nationwide unified exchange network. The network can preliminarily realize online transactions across ...

AI Technical Summary

Problems solved by technology

However, due to the existence of regional centers, the exchange system implemented by the system is actually a "two-level exchange" mechanism. When the accepting institution and the card issuing institution are in the same area, the transaction exchange is completed by the regional center, otherwise the transaction will go through the regional center successively. a. There are three exchange nodes in the national general center and regional center b, so that there are many participating exchange nodes, and there are disadvantages such as slow transaction response and low success rate.

[0004] Generally speaking, the current bank card exchange system has a certain degree of blindness in the planning level, single function, small coverage, low efficiency, and cannot form economies of scale; the structure of the network is unreasonable and multi-layered, resulting in slow transaction response. Low success rate; repeated investment, continuous investment, and high financial pressure; on the technical level, there are inconsistencies in the host platform, independent development in each region, inconsistent application versions, and difficulty in interconnection; The platform is different, the software version is not uniform, and it is difficult to update and upgrade the software when developing new channels and services. In addition, the market changes rapidly, requiring quick response, and business pressure is high, which cannot meet the needs of business development.

Images