Bank card TP (Transaction Processing) method, device and system

A transaction processing and bank card technology, applied in the network field, can solve the problems that are prone to omissions or errors, and the banking system cannot collect comprehensive and accurate data, so as to achieve comprehensive statistics

Inactive Publication Date: 2015-03-11
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Whether cardholders have discounts depends entirely on the active notification of merchant cashiers or consumers' own awareness, which is prone to omissions or mistakes, which makes it impossible for the banking system to collect comprehensive and accurate data for evaluation of marketing effects

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  • Bank card TP (Transaction Processing) method, device and system
  • Bank card TP (Transaction Processing) method, device and system
  • Bank card TP (Transaction Processing) method, device and system

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Embodiment Construction

[0038] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0039] In order to facilitate the understanding of those skilled in the art, the technical terms or technical terms involved in this application are explained as follows:

[0040] POS (Point Of Sale) terminal: a multi-functional terminal installed on the merchant side to realize bank card electronic settlement and support functions such as consumption, pre-authorization, balance inquiry and transfer.

[0041] IABMS (Integrated Acquire Business Management Syste...

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PUM

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Abstract

The invention discloses a bank card TP (Transaction Processing) method, a device and a system. The method comprises the steps of receiving an online transaction request of a POS (Point of Sale) terminal; inquiring reference information obtained in advance to verify the legality of the online transaction request and determine whether the online transaction request meets a discount condition; calculating an expense amount according to a discount calculating way corresponding to a discount condition when the online transaction request is determined to be legal and meet the discount condition, and transaction processing is performed according to the calculated amount; generating a transaction log to be convenient for transaction statistics. The comprehensive and accurate processing on the bank card transaction automatically can be realized to prevent the problem that the omissions or errors are likely to be caused if a cardholding consumer knows whether the discount can be realized by completely depending on the initiative notification of a cashier of a commercial tenant or the self-consciousness of a consumer, so as to ensure the comprehensiveness and accurateness of the transaction data statistics.

Description

technical field [0001] The present invention relates to the field of network technology, and more specifically, relates to a bank card transaction processing method, device and system. Background technique [0002] The bank and the merchant sign a relevant agreement, and the merchant promises that within the cooperation period stipulated in the agreement, consumers can enjoy preferential discounts according to a certain percentage when they use the bank card (such as a credit card) issued by the bank to make consumption at the merchant. [0003] The existing consumption discount method is: the cashier of the merchant or the cardholder proposes to enjoy the preferential discount, and then the cashier of the merchant identifies the type of bank card held by the consumer, calculates the discount and proceeds to checkout by swiping the card according to the discounted amount. [0004] After research and analysis, the inventor found that the existing discount processing methods h...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q30/02
CPCG06Q20/20G06Q20/341G06Q30/0208
Inventor 杨蔚然罗恕人成亮郑伟林郑梦喆马进德严波邓小茜揭育柱付小丽
Owner CHINA CONSTRUCTION BANK
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