Method, apparatus, system for processing user information based on personal bank card and bank card

A technology of an information processing device and an information processing method, applied in the field of bank cards, can solve problems such as inability to modify, achieve the effects of being convenient to carry and use, expand social publicity, and increase business income

Inactive Publication Date: 2008-12-17
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, since this kind of card cannot be modified once it is made, users need to re-apply for the card if they want to obtain discounts from other units

Method used

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  • Method, apparatus, system for processing user information based on personal bank card and bank card
  • Method, apparatus, system for processing user information based on personal bank card and bank card
  • Method, apparatus, system for processing user information based on personal bank card and bank card

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Embodiment Construction

[0025] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be described in further detail below in conjunction with the embodiments and accompanying drawings. Here, the exemplary embodiments and descriptions of the present invention are used to explain the present invention, but not to limit the present invention.

[0026] figure 1 It is a schematic diagram of the system for financial transactions using personal bank cards according to the embodiment of the present invention. As shown in the figure, the system includes: a system host 1, which completes the main financial business processing functions, and is connected to a transaction terminal 6 through an external financial network 5; the transaction terminal 6 can include various types, such as self-service equipment, shopping mall transaction terminals, and Internet network terminals, etc. The user holds the bank card 7 to perform specific operations ...

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PUM

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Abstract

The invention provides a merchant information processing method based on a private banking card, a device and a system thereof, and the private card. The method comprises the following steps: building the corresponding relation between the private banking card and a plurality of merchants; receiving a banking card service request, which comprises banking card information, the information of a transaction merchant and transaction amount, sent by a merchant transaction terminal; determining whether the transaction merchant is the corresponding merchant of the banking card according to the banking card information and the information of the transaction merchant; conducting banking card account processing according to preference policies of the transaction merchant information, if the transaction merchant is the corresponding merchant of the banking card; and conducting ordinary banking card account processing, if not. The method can enable a bank to issue cards in cooperation with one or more merchants, the cooperated merchants can carry out the alternations according to the actual requirements of users, thereby facilitating the carrying and the usage of a card by a card holder and providing cost-effectiveness and benefit to the card holder.

Description

technical field [0001] The present invention relates to a computer network system and method, in particular to a personal bank card-based merchant information processing method, device, system and bank card. Background technique [0002] With the progress and development of society, various cards play an increasingly important role in people's daily life, such as bank cards, bus cards, medical insurance cards, shopping mall point cards, etc. Cards have become indispensable to us. a tool of. However, since each type of card has different card issuing units, and the function of each card is relatively single, on the one hand, it is a waste of social card issuing resources, and on the other hand, it is very inconvenient for customers to carry and use the card. [0003] Banks have made a lot of efforts to reduce card issuance. One current solution is to jointly issue cards with a specific merchant. Users who hold the bank card will get corresponding discounts or points when th...

Claims

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Application Information

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IPC IPC(8): G06Q40/00G07F7/10G07F19/00G06Q40/02
Inventor 黄肇敏伍宏卫曹秋华余辉
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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