Debit card information processing method and system

Abstract

The present invention discloses a debit card information processing method and system, which can be used in the financial field, wherein the method comprises: the backup environment of the core banking system obtains the debit card information, determines the first debit card text to be cleaned according to the debit card information, and sends the first debit card text to be cleaned to the financial IC card; the main production environment of the core banking system receives the second debit card text to be cleaned sent by the financial IC card, and generates a cleaning result text after screening the second debit card text to be cleaned according to the debit card information; the backup environment of the core banking system generates a cleaning report according to the cleaning result text; and the backup environment of the core banking system sends the cleaning report to the financial IC card. The present invention can process debit card information, check invalid cards, save labor costs, and improve processing efficiency and accuracy.

Description

Technical Field

[0001] The present invention relates to the financial field, and in particular to a debit card information processing method and system. It should be noted that the debit card information processing method and system of the present invention can be used in the financial field, and can also be used in any field other than the financial field, and the application field of the debit card information processing method and system of the present invention is not limited. Background Art

[0002] According to statistics, "sleeping cards" account for 1 / 3 of the total number of bank cards in my country. The so-called "sleeping cards" are bank cards that are idle and not used for a long time. A huge number of sleeping cards will increase the management costs of banks, and more importantly, there are great security risks. Criminals will use idle cards to purchase personal information online, create fake ID cards, and conduct illegal activities such as cash withdrawal and money laundering.

[0003] In order to resist the illegal activities of lawbreakers and reduce the management costs of banks, banks will conduct self-inspection and cleaning on a regular basis. In the prior art, tellers usually check whether customers hold idle cards one by one, and conduct a series of related queries on the cards held by customers to confirm whether the cleaning conditions are met. However, the manual operation of tellers obviously has the following problems: 1. The processing efficiency is low, and only one customer information can be processed each time, which seriously consumes labor costs; 2. Manually confirming whether the cleaning conditions are met one by one often misses some special situations, resulting in the mistaken cleaning of some debit cards that should not be cleaned; 3. Regular manual cleaning often has a certain delay, and it is impossible to clean up the debit card as soon as it expires, leaving opportunities for illegal activities of lawbreakers.

[0004] Therefore, there is an urgent need for a debit card information processing solution that can overcome the above problems. Summary of the invention

[0005] The embodiment of the present invention provides a debit card information processing method for processing debit card information, which is used to check for invalid cards, save labor costs, and improve processing efficiency and accuracy. The method includes:

[0006] The backup environment of the core banking system obtains debit card information;

[0007] The backup environment of the core banking system determines the first debit card text to be cleared according to the debit card information;

[0008] The backup environment of the core banking system sends the first debit card text to be cleared to the financial IC card;

[0009] The main production environment of the core banking system receives the second debit card text to be cleared sent by the financial IC card, where the second debit card text to be cleared is obtained after the financial IC card screens the first debit card text to be cleared;

[0010] The main production environment of the core banking system screens the second debit card text to be cleaned according to the debit card information and generates a cleansing result text;

[0011] The backup environment of the core banking system generates a cleanup report according to the cleanup result text;

[0012] The backup environment of the core banking system sends the cleanup report to the financial IC card.

[0013] The embodiment of the present invention provides a core banking system for processing debit card information, troubleshooting invalid cards, saving labor costs, and improving processing efficiency and accuracy. The core banking system includes:

[0014] Information acquisition module, used to obtain debit card information in the backup environment;

[0015] A text determination module, used for the backup environment to determine the first debit card text to be cleared according to the debit card information;

[0016] A text sending module, used for the backup environment to send the first debit card text to be cleared to the financial IC card;

[0017] A text receiving module, used for receiving, in the main production environment, a second debit card text to be cleared sent by a financial IC card, wherein the second debit card text to be cleared is obtained after the financial IC card screens the first debit card text to be cleared;

[0018] A result generating module, used for generating a cleaning result text after screening the second debit card text to be cleaned according to the debit card information in the main production environment;

[0019] A report generation module, used for backing up the environment and generating a cleanup report according to the cleanup result text;

[0020] The report sending module is used for sending the cleaning report to the financial IC card in the backup environment.

[0021] An embodiment of the present invention further provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned debit card information processing method when executing the computer program.

[0022] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for executing the above-mentioned debit card information processing method.

[0023] The embodiment of the present invention obtains debit card information through the backup environment of the core banking system; the backup environment of the core banking system determines the first debit card text to be cleaned according to the debit card information; the backup environment of the core banking system sends the first debit card text to be cleaned to the financial IC card; the main production environment of the core banking system receives the second debit card text to be cleaned sent by the financial IC card, and the second debit card text to be cleaned is obtained after the financial IC card screens the first debit card text to be cleaned; the main production environment of the core banking system screens the second debit card text to be cleaned according to the debit card information and generates a cleaning result text; the backup environment of the core banking system generates a cleaning report according to the cleaning result text; the backup environment of the core banking system sends the cleaning report to the financial IC card. The embodiment of the present invention screens out the debit cards that need to be cleaned according to the debit card information, which can effectively release the teller's manual processing work and improve the processing efficiency, and the core banking system and the financial IC card are linked to participate in the screening, which can effectively improve the processing accuracy and avoid the occurrence of screening omissions and erroneous cleaning.

[0024] The embodiment of the present invention provides a debit card information processing method for processing debit card information, which is used to check for invalid cards, save labor costs, and improve processing efficiency and accuracy. The method includes:

[0025] The financial IC card receives a first debit card text to be cleared sent by the backup environment of the core banking system, where the first debit card text to be cleared is determined by the backup environment of the core banking system according to the debit card information;

[0026] The financial IC card screens the first debit card text to be cleared to obtain the second debit card text to be cleared;

[0027] The financial IC card sends the second debit card text to be cleared to the main production environment of the core banking system;

[0028] The financial IC card receives a cleanup report sent by the backup environment of the core banking system, wherein the cleanup report is generated by the backup environment of the core banking system based on the cleanup result text, and the cleanup result text is generated by the main production environment of the core banking system after screening the second debit card text to be cleaned based on the debit card information.

[0029] The embodiment of the present invention provides a financial IC card for processing debit card information, troubleshooting invalid cards, saving labor costs, and improving processing efficiency and accuracy. The financial IC card includes:

[0030] A text receiving module, used for receiving a first debit card text to be cleared sent by a backup environment of a core banking system, wherein the first debit card text to be cleared is determined by the backup environment of the core banking system according to debit card information;

[0031] A text screening module, used for screening the first debit card text to be cleaned up to obtain the second debit card text to be cleaned up;

[0032] A text sending module, used for sending the second debit card to be cleaned text to the main production environment of the core banking system;

[0033] The report receiving module is used to receive a cleanup report sent by the backup environment of the core banking system, wherein the cleanup report is generated by the backup environment of the core banking system according to the cleanup result text, and the cleanup result text is generated by the main production environment of the core banking system after screening the second debit card text to be cleaned according to the debit card information.

[0034] An embodiment of the present invention further provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned debit card information processing method when executing the computer program.

[0035] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for executing the above-mentioned debit card information processing method.

[0036] The embodiment of the present invention receives the first debit card text to be cleaned sent by the backup environment of the core banking system through the financial IC card, the first debit card text to be cleaned is determined by the backup environment of the core banking system according to the debit card information; the financial IC card screens the first debit card text to be cleaned to obtain the second debit card text to be cleaned; the financial IC card sends the second debit card text to be cleaned to the main production environment of the core banking system; the financial IC card receives the cleaning report sent by the backup environment of the core banking system, the cleaning report is generated by the backup environment of the core banking system according to the cleaning result text, and the cleaning result text is generated by the main production environment of the core banking system after screening the second debit card text to be cleaned according to the debit card information. The embodiment of the present invention screens out the debit cards that need to be cleaned according to the debit card information, which can effectively release the manual processing work of the teller and improve the processing efficiency, and the core banking system and the financial IC card are linked to participate in the screening, which can effectively improve the processing accuracy and avoid the occurrence of screening omissions and erroneous cleaning.

[0037] The embodiment of the present invention provides a debit card information processing system for processing debit card information, checking invalid cards, saving labor costs, and improving processing efficiency and accuracy. The system includes: the above-mentioned core banking system and the above-mentioned financial IC card. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0039] Figure 1 Schematic diagram of a method for processing debit card information in an embodiment of the present invention;

[0040] Figure 2 This is a structural diagram of the core banking system in an embodiment of the present invention;

[0041] Figure 3 Schematic diagram of another debit card information processing method in an embodiment of the present invention;

[0042] Figure 4 This is a structural diagram of a financial IC card in an embodiment of the present invention;

[0043] Figure 5 It is a structural diagram of a debit card information processing system in an embodiment of the present invention;

[0044] Figure 6 It is a flow chart of a debit card information processing method in a specific embodiment of the present invention;

[0045] Figure 7 It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0046] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0047] First, the technical terms in the embodiments of the present invention are introduced:

[0048] Host system: in the present invention, it refers to the commercial banking system deployed on the Z series server produced by IBM.

[0049] Core banking system: The core business system of a bank, which is customer-centric, processes accounts and provides 24-hour services.

[0050] Batch: refers to transactions processed in batches, such as salary entry, report generation, etc.

[0051] P1: The main production environment of the core banking system.

[0052] P2: FLASH COPY environment of the core banking system, that is, the backup environment of the main production environment of the core banking system.

[0053] DCDS system: data transmission platform, which realizes batch collection of business system data and is a unified batch text data transmission channel between the data source system and the data application target system.

[0054] IPS system: Interface platform, which is a bridge between peripheral systems. It can shield the differences between peripheral systems as much as possible. All transactions of peripheral systems accessing the core system are linked to the core system through the interface platform.

[0055] ICCD system: Financial IC card, responsible for security authentication services for debit and credit transactions, forwarding processing of transaction routing, small account management and corresponding auxiliary management functions, as well as card issuance management, transaction processing and security authentication of Macau dual-currency electronic cash cards.

[0056] Financial Interconnection Debit Card: Bank of China Financial Interconnection Debit Card is a UnionPay standard debit card product launched by Bank of China that integrates multiple functions such as cash deposit and withdrawal, consumption settlement, remittance, investment and financial management.

[0057] MST Card: MasterCard, a famous card brand issued by American financial institutions.

[0058] As mentioned above, the existing technology has the following disadvantages: 1. Low processing efficiency: In the existing technology, tellers screen and clean up customers' expired debit cards, and can only process one piece of customer information at a time, which has low processing efficiency and high labor costs; 2. It may lead to mistaken cleaning: The manual cleaning method one by one often misses some special cases, resulting in mistaken cleaning of some debit cards that should not be cleaned; 3. Invalidated cards are not cleaned up in time: Since the current information changes need to wait for the bank to initiate self-inspection, there is often a certain delay, and the debit card cannot be cleaned up at the first time it expires.

[0059] In order to process debit card information, check for invalid cards, save labor costs, and improve processing efficiency and accuracy, an embodiment of the present invention provides a debit card information processing method, such as Figure 1 As shown, the method may include:

[0060] Step 101, the backup environment of the core banking system obtains debit card information;

[0061] Step 102: The backup environment of the core banking system determines the first debit card text to be cleared according to the debit card information;

[0062] Step 103: The backup environment of the core banking system sends the first debit card text to be cleared to the financial IC card;

[0063] Step 104: The main production environment of the core banking system receives the second debit card text to be cleared sent by the financial IC card, where the second debit card text to be cleared is obtained after the financial IC card screens the first debit card text to be cleared;

[0064] Step 105: The main production environment of the core banking system screens the second debit card text to be cleaned according to the debit card information and generates a cleansing result text;

[0065] Step 106: The backup environment of the core banking system generates a cleanup report according to the cleanup result text;

[0066] Step 107: The backup environment of the core banking system sends the cleanup report to the financial IC card.

[0067] Depend on Figure 1 As shown, the embodiment of the present invention obtains debit card information through the backup environment of the core banking system; the backup environment of the core banking system determines the first debit card text to be cleaned according to the debit card information; the backup environment of the core banking system sends the first debit card text to be cleaned to the financial IC card; the main production environment of the core banking system receives the second debit card text to be cleaned sent by the financial IC card, and the second debit card text to be cleaned is obtained after the financial IC card screens the first debit card text to be cleaned; the main production environment of the core banking system screens the second debit card text to be cleaned according to the debit card information and generates a cleaning result text; the backup environment of the core banking system generates a cleaning report according to the cleaning result text; the backup environment of the core banking system sends the cleaning report to the financial IC card. The embodiment of the present invention screens out the debit cards that need to be cleaned according to the debit card information, which can effectively release the teller's manual processing work and improve processing efficiency, and the core banking system and the financial IC card are linked to participate in the screening, which can effectively improve the processing accuracy and avoid the occurrence of screening omissions and erroneous cleaning.

[0068] In the embodiment, the backup environment of the core banking system obtains the debit card information; and the backup environment of the core banking system determines the first debit card text to be cleared according to the debit card information.

[0069] It should be noted that the debit card information obtained by the backup environment of the core banking system may be the debit card information of a batch of debit cards for subsequent batch processing.

[0070] In this embodiment, the debit card information includes: card opening date, status information, associated account information, debit card type, and associated peripheral system information; the backup environment of the core banking system determines the first debit card text to be cleared according to the debit card information, including: if the card opening date and the clearing date of the debit card are separated by more than a set value, the status information is in the card issued state, the associated account information is empty, the debit card type is not the set card type, the associated peripheral system information is empty and the debit card is not the primary card of other cards, then the debit card information corresponding to the debit card is used as the first debit card text to be cleared.

[0071] In specific implementation, at the end of each day, all expired debit cards that need to be cleared on that day are batch-screened based on the debit card information in the backup environment (P2) of the core banking system. The screening must meet the following conditions:

[0072] (a) There is a one-year interval between the debit card issuance date and the liquidation date;

[0073] (b) The debit card is in normal status, the life status is issued and the new card life status is empty (there is no card replacement status).

[0074] Get a card);

[0075] (c) There is no account linked to the debit card;

[0076] (d) The debit card product is not a special card type, such as Caihutong debit card, DPAN card, MST card, etc.;

[0077] (e) the debit card is not the primary card for other cards;

[0078] (f) Debit cards are not associated with peripheral systems, such as fund systems, bond systems, intermediary business platforms, etc.;

[0079] In this embodiment, the set card types include: Caihutong debit card, DPAN card, MST card; the peripheral systems include: fund system, bond system, and intermediary business platform.

[0080] In an embodiment, the backup environment of the core banking system sends the first debit card text to be cleared to the financial IC card.

[0081] In this embodiment, the backup environment of the core banking system sends the first debit card text to be cleared to the financial IC card (ICCD system), including: the backup environment of the core banking system sends the first debit card text to be cleared to the data download platform (DCDS system), and the financial IC card obtains the first debit card text to be cleared from the data download platform.

[0082] In the embodiment, the main production environment of the core banking system receives a second debit card text to be cleared sent by a financial IC card, where the second debit card text to be cleared is obtained after the financial IC card screens the first debit card text to be cleared.

[0083] In this embodiment, the second debit card text to be cleared is obtained after the financial IC card screens the first debit card text to be cleared in the following manner: if the electronic cash supplementary registration of the debit card is in the closed account state and the balance account is in the closed account state, the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared; if the balance account of the debit card is not in the closed account state and the balance is less than the set amount for more than a set number of days, the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared.

[0084] In this embodiment, the main production environment of the core banking system receives the second debit card text to be cleared sent by the financial IC card, including: the financial IC card sends the second debit card text to be cleared to the interface platform, and the main production environment of the core banking system obtains the second debit card text to be cleared from the interface platform.

[0085] In the embodiment, the main production environment of the core banking system screens the second debit card text to be cleaned according to the debit card information and generates a cleaning result text; the backup environment of the core banking system generates a cleaning report according to the cleaning result text.

[0086] In this embodiment, the backup environment of the core banking system generates a cleanup report based on the cleanup result text, including: the backup environment of the core banking system generates a cleanup report based on the cleanup result text according to the branch dimension, and the cleanup report includes: card number information, status information, electronic cash account balance information, electronic cash account status information, and processing result information.

[0087] During the specific implementation, after the main production environment (P1 end) of the core banking system obtains the final text to be cleaned from the interface platform (IPS system), it is necessary to determine again whether conditions (a) to (f) are still met. If so, the following cleanup is performed:

[0088] (1) Update the card status to "Canceled Card";

[0089] (2) Update the association between the card and other cards to "invalid";

[0090] (3) Update the customer and card association table to "invalid";

[0091] (4) Update the debit card voucher status to "externally invalidated";

[0092] (5) Generate texts indicating success and failure of card clearing.

[0093] Based on the cleaning result text generated by P1, P2 generates a successful cleaning report or a failed cleaning report by branch dimension. The elements include card number information, status information, electronic cash account balance information, electronic cash account status information, processing results, and transmits the results to the DCDS system.

[0094] In the embodiment, the backup environment of the core banking system sends the cleanup report to the financial IC card.

[0095] During specific implementation, after the backup environment of the core banking system sends the cleanup report to the financial IC card, the financial IC card (ICCD system) again checks and processes the result text obtained from the DCDS system: the ICCD system supplements and restores the IC card electronic cash account that has been cancelled due to time difference or closes the electronic cash account of the debit card that has been cancelled.

[0096] Based on the same inventive concept, the embodiment of the present invention also provides a core banking system, as described in the following embodiments. Since the principles of solving these problems are similar to the debit card information processing method, the implementation of the core banking system can refer to the implementation of the method, and the repeated parts will not be repeated.

[0097] Figure 2 : is a structural diagram of the core banking system in an embodiment of the present invention, such as Figure 2 As shown, the core banking system 200 includes:

[0098] Information acquisition module 201, used for obtaining debit card information in a backup environment;

[0099] A text determination module 202, configured to determine the first debit card text to be cleared according to the debit card information in the backup environment;

[0100] A text sending module 203, configured for the backup environment to send the first debit card text to be cleared to the financial IC card;

[0101] The text receiving module 204 is used for receiving, in the main production environment, a second debit card text to be cleared sent by the financial IC card, where the second debit card text to be cleared is obtained after the financial IC card screens the first debit card text to be cleared;

[0102] A result generating module 205, which is used in the main production environment to screen the second debit card text to be cleaned according to the debit card information and generate a cleaning result text;

[0103] A report generation module 206, used for generating a cleaning report according to the cleaning result text in the backup environment;

[0104] The report sending module 207 is used for the backup environment to send the cleaning report to the financial IC card.

[0105] In summary, the embodiment of the present invention obtains debit card information through the backup environment of the core banking system; the backup environment of the core banking system determines the first debit card text to be cleaned according to the debit card information; the backup environment of the core banking system sends the first debit card text to be cleaned to the financial IC card; the main production environment of the core banking system receives the second debit card text to be cleaned sent by the financial IC card, and the second debit card text to be cleaned is obtained after the financial IC card screens the first debit card text to be cleaned; the main production environment of the core banking system screens the second debit card text to be cleaned according to the debit card information, and generates a cleaning result text; the backup environment of the core banking system generates a cleaning report according to the cleaning result text; the backup environment of the core banking system sends the cleaning report to the financial IC card. The embodiment of the present invention screens out the debit cards that need to be cleaned according to the debit card information, which can effectively release the teller's manual processing work and improve processing efficiency, and the core banking system and the financial IC card are linked to participate in the screening, which can effectively improve the processing accuracy and avoid the occurrence of screening omissions and erroneous cleaning.

[0106] In order to process debit card information, check invalid cards, save labor costs, and improve processing efficiency and accuracy, the embodiment of the present invention provides another debit card information processing method. Since the principles of solving these problems are similar to those of the debit card information processing method, the implementation of the above method can be referred to, and the repeated parts will not be repeated. Figure 3 As shown, the method may include:

[0107] Step 301: The financial IC card receives a first debit card text to be cleared sent by a backup environment of a core banking system, where the first debit card text to be cleared is determined by the backup environment of the core banking system according to debit card information.

[0108] Step 302: the financial IC card screens the first debit card text to be cleared to obtain a second debit card text to be cleared;

[0109] Step 303: The financial IC card sends the second debit card text to be cleared to the main production environment of the core banking system;

[0110] Step 304: the financial IC card receives a cleanup report sent by the backup environment of the core banking system. The cleanup report is generated by the backup environment of the core banking system based on the cleanup result text. The cleanup result text is generated by the main production environment of the core banking system after screening the second debit card text to be cleaned based on the debit card information.

[0111] Depend on Figure 3As shown, the embodiment of the present invention receives the first debit card text to be cleaned sent by the backup environment of the core banking system through the financial IC card, and the first debit card text to be cleaned is determined by the backup environment of the core banking system according to the debit card information; the financial IC card screens the first debit card text to be cleaned to obtain the second debit card text to be cleaned; the financial IC card sends the second debit card text to be cleaned to the main production environment of the core banking system; the financial IC card receives the cleaning report sent by the backup environment of the core banking system, and the cleaning report is generated by the backup environment of the core banking system according to the cleaning result text, and the cleaning result text is generated by the main production environment of the core banking system after screening the second debit card text to be cleaned according to the debit card information. The embodiment of the present invention screens out the debit cards that need to be cleaned according to the debit card information, which can effectively release the manual processing work of the teller and improve the processing efficiency, and the core banking system and the financial IC card are linked to participate in the screening, which can effectively improve the processing accuracy and avoid the occurrence of screening omissions and erroneous cleaning.

[0112] In the embodiment, the financial IC card receives a first debit card text to be cleared sent by a backup environment of the core banking system, where the first debit card text to be cleared is determined by the backup environment of the core banking system according to the debit card information.

[0113] In this embodiment, the debit card information includes: card opening date, status information, associated account information, debit card type, and associated peripheral system information; the first debit card text to be cleaned is determined by the backup environment of the core banking system according to the debit card information in the following manner: if the card opening date and the cleanup date of the debit card are separated by more than a set value, the status information is in the card-issued state, the associated account information is empty, the debit card type is not the set card type, the associated peripheral system information is empty and it is not the primary card of other cards, then the debit card information corresponding to the debit card is used as the first debit card text to be cleaned.

[0114] In this embodiment, the set card types include: Caihutong debit card, DPAN card, MST card; the peripheral systems include: fund system, bond system, and intermediary business platform.

[0115] In this embodiment, the financial IC card receives the first debit card text to be cleared sent by the backup environment of the core banking system, including: the backup environment of the core banking system sends the first debit card text to be cleared to the data download platform, and the financial IC card obtains the first debit card text to be cleared from the data download platform.

[0116] In the embodiment, the financial IC card screens the first debit card text to be cleared to obtain the second debit card text to be cleared.

[0117] In this embodiment, the financial IC card screens the first debit card text to be cleared to obtain the second debit card text to be cleared, including: if the electronic cash supplementary registration of the debit card is in the closed account state and the balance account is in the closed account state, then the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared; if the balance account of the debit card is not in the closed account state and the balance is less than the set amount for more than a set number of days, then the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared.

[0118] In an embodiment, the financial IC card sends the second debit card text to be cleared to the main production environment of the core banking system.

[0119] In this embodiment, the financial IC card sends the second debit card text to be cleared to the main production environment of the core banking system, including: the financial IC card sends the second debit card text to be cleared to the interface platform, and the main production environment of the core banking system obtains the second debit card text to be cleared from the interface platform.

[0120] In an embodiment, the financial IC card receives a cleanup report sent by a backup environment of a core banking system, wherein the cleanup report is generated by the backup environment of the core banking system based on a cleanup result text, and the cleanup result text is generated by the main production environment of the core banking system after screening the second debit card text to be cleaned based on the debit card information.

[0121] In this embodiment, the cleanup report is generated by the backup environment of the core banking system based on the cleanup result text in the following manner: the backup environment of the core banking system generates a cleanup report based on the cleanup result text and by branch dimension, and the cleanup report includes: card number information, status information, electronic cash account balance information, electronic cash account status information, and processing result information.

[0122] Based on the same inventive concept, the present invention also provides a financial IC card, as described in the following embodiments. Since the principles of solving these problems are similar to the debit card information processing method, the implementation of the financial IC card can refer to the implementation of the method, and the repeated parts will not be repeated.

[0123] Figure 4 FIG. 1 is a structural diagram of a financial IC card in an embodiment of the present invention. Figure 4 As shown, the financial IC card 400 includes:

[0124] The text receiving module 401 is used to receive a first debit card text to be cleared sent by the backup environment of the core banking system, where the first debit card text to be cleared is determined by the backup environment of the core banking system according to the debit card information;

[0125] A text screening module 402, configured to screen the first debit card text to be cleaned to obtain a second debit card text to be cleaned;

[0126] A text sending module 403 is used to send the second debit card text to be cleaned to the main production environment of the core banking system;

[0127] The report receiving module 404 is used to receive a cleanup report sent by the backup environment of the core banking system, wherein the cleanup report is generated by the backup environment of the core banking system based on the cleanup result text, and the cleanup result text is generated by the main production environment of the core banking system after screening the second debit card text to be cleaned according to the debit card information.

[0128] In summary, the embodiment of the present invention receives the first debit card text to be cleaned sent by the backup environment of the core banking system through the financial IC card, and the first debit card text to be cleaned is determined by the backup environment of the core banking system according to the debit card information; the financial IC card screens the first debit card text to be cleaned to obtain the second debit card text to be cleaned; the financial IC card sends the second debit card text to be cleaned to the main production environment of the core banking system; the financial IC card receives the cleaning report sent by the backup environment of the core banking system, and the cleaning report is generated by the backup environment of the core banking system according to the cleaning result text, and the cleaning result text is generated by the main production environment of the core banking system after screening the second debit card text to be cleaned according to the debit card information. The embodiment of the present invention screens out the debit cards that need to be cleaned according to the debit card information, which can effectively release the manual processing work of the teller and improve the processing efficiency, and the core banking system and the financial IC card are linked to participate in the screening, which can effectively improve the processing accuracy and avoid the occurrence of screening omissions and erroneous cleaning.

[0129] In order to process debit card information, check invalid cards, save labor costs, and improve processing efficiency and accuracy, an embodiment of the present invention provides a debit card information processing system, such as Figure 5 As shown, the system may include: the core banking system 200 and the financial IC card 400. Since the principles of solving these problems are similar to the debit card information processing method, the implementation of the debit card information processing system can refer to the implementation of the method, and the repeated parts will not be repeated.

[0130] A specific embodiment is given below to illustrate the specific application of debit card information processing in the embodiment of the present invention. Figure 6 As shown, debit card information processing is performed in the following steps:

[0131] 1. After batch screening of the texts to be cleaned on the P2 side every day, the cleaned texts are transmitted to the ICCD system through the DCDS system. After confirmation by the ICCD system, the texts to be cleaned are transmitted to the P1 side through the IPS system. After the P2 side obtains the cleaning results of the P1 side, it generates a cleaning report and transmits the cleaning report and card table (CADM) related information to the ICCD system:

[0132] 2. At the end of each day, all expired debit cards that need to be cleared on the P2 side are batch screened. The screening must meet the following conditions:

[0133] (a) There is a one-year interval between the debit card issuance date and the liquidation date;

[0134] (b) The debit card is in normal status, the life status is issued and the new card life status is empty (there is no card replacement status).

[0135] Get a card);

[0136] (c) There is no account linked to the debit card;

[0137] (d) The debit card product is not a special card type, such as Caihutong debit card, DPAN card, MST card, etc.;

[0138] (e) the debit card is not the primary card for other cards;

[0139] (f) Debit cards are not associated with peripheral systems such as fund systems, bond systems, intermediary business platforms, etc.

[0140] 3. P2 will send the text of the debit cards to be cleared to the DCDS system.

[0141] 4. After the ICCD system obtains the invalid debit card to be cleaned up text from the DCDS system, it needs to confirm whether the electronic cash supplementary registration and balance accounts have been closed. If the account has not been closed, it is necessary to ensure that the balance is zero for more than 90 days. After confirmation, the ICCD system deletes the IC card number that does not need to be cleaned up, forms a new to-be-cleaned text and puts it into the IPS system.

[0142] 5. After P1 obtains the final text to be cleaned from the IPS system, it needs to determine again whether conditions a, b, c, d, e, and f are still met. If so, clean it up:

[0143] (1) Update the card status to "Canceled Card"

[0144] (2) Update the association between the card and other cards to "invalid"

[0145] (3) Update the customer and card association table to "invalid"

[0146] (4) Update the debit card credential status to "Externally Invalid"

[0147] (5) Generate the text of successful and failed card clearing

[0148] 6. Based on the cleaning result text generated by P1, P2 generates a successful cleaning report or a failed cleaning report by branch dimension. The elements include card number, card status, electronic cash account balance and status, processing results, and transmits the results to the DCDS system.

[0149] 7. The ICCD system checks and processes the result text obtained from the DCDS system again: the ICCD system replenishes and restores the IC card electronic cash account that has been cancelled due to the time difference or closes the electronic cash account of the debit card that has been cancelled.

[0150] The embodiment of the present invention first batch screens the debit card information that needs to be cleaned up on the day at the P2 end, and sends the records that meet the conditions to the ICCD system for confirmation. The ICCD system obtains the screening results to be cleaned generated by the P2 end from the DCDS system, and confirms whether the cards in the screening text all meet the screening conditions, generates an updated text to be cleaned up and sends it to the IPS system. The P1 end obtains the text to be cleaned up generated by the ICCD system from the IPS system, performs cleaning actions based on the text, and sends the cleaning result text to the P2 end. The P2 end generates a successful cleaning report or a failed cleaning report according to the branch dimension based on the cleaning result text generated by the P1 end, and the elements include the card number, card status, electronic cash account balance and status, and processing results, and transmits the results to the DCDS system. The ICCD system checks and processes the result text obtained from the DCDS system again, supplements and restores the IC card electronic cash account that has been cancelled due to the time difference, or closes the electronic cash account of the debit card that has been cancelled. Through daily batch processing, debit cards that meet the cleaning conditions are screened at the end of each day, and invalid debit cards are cleaned up. Automatic batch processing relieves tellers of manual work and improves processing efficiency. At the same time, through daily batch screening, invalid debit card information can be obtained and processed in a timely manner. Secondly, through the formulation of detailed screening rules and linkage screening between multiple systems, the accuracy of the invalid debit card screening range is ensured, which can effectively avoid screening omissions and erroneous cleaning.

[0151] For invalid debit cards that need to be cleared, the existing methods cannot ensure the timeliness of the invalid card clearing. At the same time, the existing manual clearing method has the problem of low efficiency on the one hand, and it is also easy to make mistakes on the other hand. The present invention can ensure the timeliness, accuracy and efficiency of the invalid debit card clearing through daily batch processing, so the present invention has the following advantages:

[0152] 1. Improve the efficiency of clearing invalid debit cards. Through daily batch processing, invalid debit cards that need to be cleared on the same day are processed in batches. Compared with the existing manual method that can only process one card at a time, the efficiency has made a qualitative leap.

[0153] 2. Ensure the timeliness of the status change of invalid cards. Through daily batch processing, the invalid debit card information that needs to be cleared on the same day can be changed in a timely manner. Compared with the existing method where the change depends on the bank's overall initiation, the timeliness of the change is guaranteed.

[0154] 3. Avoid the possibility of mistaken cleaning to the greatest extent. This method can avoid the possibility of mistaken cleaning to the greatest extent by establishing a complete set of cleaning rules and through linkage checks between multiple systems.

[0155] 4. Reduce the resource usage of the main production environment. This method can effectively reduce the resource usage of the main production environment and improve production operation efficiency by filtering the text to be cleaned up on the P2 side and performing the invalid debit card cleaning operation on the P1 side.

[0156] In summary, the embodiment of the present invention obtains debit card information through the backup environment of the core banking system; the backup environment of the core banking system determines the first debit card text to be cleaned according to the debit card information; the backup environment of the core banking system sends the first debit card text to be cleaned to the financial IC card; the main production environment of the core banking system receives the second debit card text to be cleaned sent by the financial IC card, and the second debit card text to be cleaned is obtained after the financial IC card screens the first debit card text to be cleaned; the main production environment of the core banking system screens the second debit card text to be cleaned according to the debit card information, and generates a cleaning result text; the backup environment of the core banking system generates a cleaning report according to the cleaning result text; the backup environment of the core banking system sends the cleaning report to the financial IC card. The embodiment of the present invention screens out the debit cards that need to be cleaned according to the debit card information, which can effectively release the teller's manual processing work and improve processing efficiency, and the core banking system and the financial IC card are linked to participate in the screening, which can effectively improve the processing accuracy and avoid the occurrence of screening omissions and erroneous cleaning. The embodiment of the present invention receives the first debit card text to be cleaned sent by the backup environment of the core banking system through the financial IC card, the first debit card text to be cleaned is determined by the backup environment of the core banking system according to the debit card information; the financial IC card screens the first debit card text to be cleaned to obtain the second debit card text to be cleaned; the financial IC card sends the second debit card text to be cleaned to the main production environment of the core banking system; the financial IC card receives the cleaning report sent by the backup environment of the core banking system, the cleaning report is generated by the backup environment of the core banking system according to the cleaning result text, and the cleaning result text is generated by the main production environment of the core banking system after screening the second debit card text to be cleaned according to the debit card information. The embodiment of the present invention screens out the debit cards that need to be cleaned according to the debit card information, which can effectively release the manual processing work of the teller and improve the processing efficiency, and the core banking system and the financial IC card are linked to participate in the screening, which can effectively improve the processing accuracy and avoid the occurrence of screening omissions and erroneous cleaning.

[0157] Based on the above invention concept, Figure 7 As shown, the present invention also proposes a computer device 700, including a memory 710, a processor 720, and a computer program 730 stored in the memory 710 and executable on the processor 720, wherein the processor 720 implements the aforementioned debit card information processing method when executing the computer program 730.

[0158] Based on the aforementioned inventive concept, the present invention proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the aforementioned debit card information processing method is implemented.

[0159] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0160] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0161] These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0162] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0163] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A debit card information processing method, characterized in that: include: The backup environment of the core banking system obtains debit card information; The backup environment of the core banking system determines the first debit card text to be cleared according to the debit card information; Determining the first debit card text to be cleared includes: if the interval between the opening date and the clearing date of the debit card exceeds a set value, the state information is that the card has been issued, the associated account information is empty, the debit card type is not a set card type, the associated peripheral system information is empty and the debit card is not a primary card of other cards, then taking the debit card information corresponding to the debit card as the first debit card text to be cleared; The backup environment of the core banking system sends the first debit card text to be cleared to the financial IC card; The main production environment of the core banking system receives the second debit card text to be cleared sent by the financial IC card, where the second debit card text to be cleared is obtained after the financial IC card screens the first debit card text to be cleared in the following manner: If the electronic cash supplementary registration of the debit card is in the closed account state and the balance account is in the closed account state, the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared; If the balance of the debit card is not closed and the balance is less than the set amount for more than the set number of days, the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared; The main production environment of the core banking system screens the second debit card text to be cleaned according to the debit card information and generates a cleansing result text; The backup environment of the core banking system generates a cleanup report according to the cleanup result text; After the backup environment of the core banking system sends the cleaning report to the financial IC card, the financial IC card again checks and processes the cleaning result text obtained from the data download platform; The backup environment of the core banking system sends the first debit card text to be cleared to the financial IC card, including: The backup environment of the core banking system sends the first debit card text to be cleared to the data download platform, and the financial IC card obtains the first debit card text to be cleared from the data download platform; After the backup environment of the core banking system sends the cleaning report to the financial IC card, the financial IC card again checks and processes the cleaning result text obtained from the data download platform.

2. The debit card information processing method according to claim 1, characterized in that: The set card types include: Caihutong debit card, DPAN card, MST card; the peripheral systems include: fund system, bond system, and intermediate business platform.

3. The debit card information processing method according to claim 1, characterized in that: The main production environment of the core banking system receives the second debit card text to be cleared sent by the financial IC card, including: The financial IC card sends the second debit card text to be cleared to the interface platform, and the main production environment of the core banking system obtains the second debit card text to be cleared from the interface platform.

4. The debit card information processing method according to claim 1, characterized in that: The backup environment of the core banking system generates a cleanup report based on the cleanup result text, including: The backup environment of the core banking system generates a cleaning report according to the cleaning result text and by branch dimension, and the cleaning report includes: card number information, status information, electronic cash account balance information, electronic cash account status information, and processing result information.

5. A debit card information processing method, characterized in that: include: The financial IC card receives a first debit card text to be cleared sent by the backup environment of the core banking system, wherein the first debit card text to be cleared is determined by the backup environment of the core banking system according to the debit card information; the first debit card text to be cleared is determined by the backup environment of the core banking system according to the debit card information in the following manner: if the interval between the opening date and the clearing date of the debit card exceeds a set value, the status information is that the card has been issued, the associated account information is empty, the debit card type is not the set card type, the associated peripheral system information is empty and the card is not the primary card of other cards, then the debit card information corresponding to the debit card is used as the first debit card text to be cleared; The financial IC card screens the first debit card text to be cleared to obtain a second debit card text to be cleared, including: If the electronic cash supplementary registration of the debit card is in the closed account state and the balance account is in the closed account state, the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared; If the balance of the debit card is not closed and the balance is less than the set amount for more than the set number of days, the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared; The financial IC card sends the second debit card text to be cleared to the main production environment of the core banking system; The financial IC card receives a cleaning report sent by the backup environment of the core banking system, wherein the cleaning report is generated by the backup environment of the core banking system according to the cleaning result text, and the cleaning result text is generated by the main production environment of the core banking system after screening the second debit card text to be cleaned according to the debit card information; The financial IC card receives the first debit card text to be cleared sent by the backup environment of the core banking system, including: The backup environment of the core banking system sends the first debit card text to be cleared to the data download platform, and the financial IC card obtains the first debit card text to be cleared from the data download platform; After the backup environment of the core banking system sends the cleaning report to the financial IC card, the financial IC card again checks and processes the cleaning result text obtained from the data download platform.

6. The debit card information processing method according to claim 5, characterized in that: The set card types include: Caihutong debit card, DPAN card, MST card; the peripheral systems include: fund system, bond system, and intermediate business platform.

7. The debit card information processing method according to claim 5, characterized in that: The financial IC card sends the second debit card text to be cleared to the main production environment of the core banking system, including: The financial IC card sends the second debit card text to be cleared to the interface platform, and the main production environment of the core banking system obtains the second debit card text to be cleared from the interface platform.

8. The debit card information processing method according to claim 5, characterized in that: The cleanup report is generated by the backup environment of the core banking system according to the cleanup result text in the following manner: The backup environment of the core banking system generates a cleaning report according to the cleaning result text and by branch dimension, and the cleaning report includes: card number information, status information, electronic cash account balance information, electronic cash account status information, and processing result information.

9. A core banking system, characterized in that: include: Information acquisition module, used to obtain debit card information in the backup environment of the core banking system; A text determination module, used in the backup environment of the core banking system to determine the first debit card text to be cleared according to the debit card information; Determining the first debit card text to be cleared includes: if the interval between the opening date and the clearing date of the debit card exceeds a set value, the state information is that the card has been issued, the associated account information is empty, the debit card type is not a set card type, the associated peripheral system information is empty and the debit card is not a primary card of other cards, then taking the debit card information corresponding to the debit card as the first debit card text to be cleared; A text sending module, used in the backup environment of the core banking system to send the first debit card text to be cleared to the financial IC card; A text receiving module is used in the main production environment of the core banking system to receive a second debit card text to be cleared sent by a financial IC card, where the second debit card text to be cleared is obtained after the financial IC card screens the first debit card text to be cleared: If the electronic cash supplementary registration of the debit card is in the closed account state and the balance account is in the closed account state, the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared; if the balance account of the debit card is not closed and the balance has been less than the set amount for more than the set number of days, the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared; A result generating module, used for generating a cleaning result text after screening the second debit card text to be cleaned according to the debit card information in the main production environment; A report generation module, used for backing up the environment and generating a cleanup report according to the cleanup result text; A report sending module, used for the backup environment to send the cleaning report to the financial IC card; Text sending module, specifically used for: The backup environment of the core banking system sends the first debit card text to be cleared to the data download platform, and the financial IC card obtains the first debit card text to be cleared from the data download platform; After the backup environment of the core banking system sends the cleaning report to the financial IC card, the financial IC card again checks and processes the cleaning result text obtained from the data download platform.

10. A financial IC card, characterized in that: include: The text receiving module is used to receive a first debit card text to be cleaned sent by the backup environment of the core banking system, wherein the first debit card text to be cleaned is determined by the backup environment of the core banking system according to the debit card information; the first debit card text to be cleaned is determined by the backup environment of the core banking system according to the debit card information in the following manner: if the interval between the opening date and the cleaning date of the debit card exceeds a set value, the state information is the card issued state, the associated account information is empty, the debit card type is not the set card type, the associated peripheral system information is empty and it is not the primary card of other cards, then the debit card information corresponding to the debit card is used as the first debit card text to be cleaned; The text screening module is used to screen the first debit card text to be cleared to obtain the second debit card text to be cleared; the second debit card text to be cleared is obtained after the financial IC card screens the first debit card text to be cleared in the following manner: if the electronic cash supplementary registration of the debit card is in the closed account state and the balance account is in the closed account state, the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared; if the balance account of the debit card is not in the closed account state and the balance is less than the set amount for more than a set number of days, the first debit card text to be cleared corresponding to the debit card is used as the second debit card text to be cleared; A text sending module, used for sending the second debit card to be cleaned text to the main production environment of the core banking system; A report receiving module, used for receiving a cleaning report sent by a backup environment of a core banking system, wherein the cleaning report is generated by the backup environment of the core banking system according to a cleaning result text, and the cleaning result text is generated by a main production environment of the core banking system after screening the second debit card text to be cleaned according to the debit card information; The backup environment of the core banking system sends the first debit card text to be cleared to the data download platform, and the financial IC card obtains the first debit card text to be cleared from the data download platform; After the backup environment of the core banking system sends the cleaning report to the financial IC card, the financial IC card again checks and processes the cleaning result text obtained from the data download platform.

11. A debit card information processing system, characterized in that: include: A core banking system and a financial IC card, wherein the core banking system comprises the core banking system described in claim 9, and the financial IC card comprises the financial IC card described in claim 10.

12. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 8 is implemented.

13. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program for executing the method according to any one of claims 1 to 8.

Images