Transaction data processing method and system based on discount coupon information

Abstract

The invention relates to a transaction data processing method and system based on discount coupon information. The method comprises the following steps: enabling a POS terminal to obtain discount coupon information; enabling the POS terminal to transmit the obtained discount coupon information and transaction information to a discount vertical reduction platform, wherein the transaction information comprises card information, merchant information and an original transaction amount; carrying out the discount confirmation: enabling the discount vertical reduction platform to judge whether thereis a discount coupon or not based on the discount coupon information: returning discount transaction information to the POS terminal if there is the discount coupon, or else ending the transaction, wherein the discount transaction information comprises the original transaction amount, a discount deduction amount and an actual transaction amount; enabling the POS terminal to transmit the card information, the merchant information and the actual transaction amount after deduction to an acquirer, and then to be transferred to a bank card background system for the processing of the transaction. According to the invention, the method can achieve the instant obtaining of the deduction discount of the transaction amount during transaction, and can enable a card holder to have good transaction experience.

Description

technical field [0001] The invention relates to communication technology, in particular to a coupon information-based transaction data processing method and a transaction data processing system. Background technique [0002] At the present stage, in order to stimulate cardholders to generate more consumer transactions, merchants or card-issuing banks usually adopt various promotional or reward means to provide preferential information to cardholders before or after the transaction occurs. For example, before the transaction occurs, disseminate preferential information to cardholders through media publicity and other means; after the transaction occurs, give cardholders consumption rewards by giving vouchers for full consumption and bank cashback. The audience of such publicity methods is not precise enough, the timeliness and user experience of promotional or reward methods are poor, and it is impossible to achieve secondary marketing to cardholders to stimulate more consump...

AI Technical Summary

Problems solved by technology

The audience of such publicity methods is not precise enough, the timeliness and user experience of promotional or reward methods are poor, and it is impossible to achieve secondary marketing to cardholders to stimulate more consumption behaviors

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