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Method for integrated automatic clearing of credit card and account

An automatic and card-account technology, applied in the direction of code identification card or credit card start-up, calculation, instrument, etc., can solve problems such as complex transaction process, and achieve the effect of ensuring consistency and accuracy

Inactive Publication Date: 2011-12-21
LINKAGE SYST INTEGRATION
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

These problems are stored-value cards, especially the more reliable and safer stored-value cards that use IC chips, but at the same time the transaction process is more complicated. In practical applications, they face difficulties in the design and development of payment and settlement systems.

Method used

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  • Method for integrated automatic clearing of credit card and account
  • Method for integrated automatic clearing of credit card and account
  • Method for integrated automatic clearing of credit card and account

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0040] The present invention will be further described below in conjunction with accompanying drawing and specific embodiment:

[0041] A method based on the integration of real-time and offline card account automatic settlement:

[0042] First look at the offline timing matching transaction file data flow, such as figure 1 :

[0043] 1), the background daemon starts the process according to the preset time,

[0044] 2) Initialize the environment, check whether the historical settlement temporary data is deleted, and check whether the offline settlement file is correct;

[0045] 3), extract the data in the offline settlement file one by one, use the specific key and encryption algorithm to check the integrity and accuracy of the data, if there is a problem with the data, skip to 7); the verification data packet sent by the encryption machine can use the conventional MD5 etc. to verify.

[0046] 4) Import the data into the temporary table of the database, and use the dedupl...

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PUM

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Abstract

The purpose of the present invention is to propose a method based on real-time and off-line automatic settlement of stored value cards, based on the principle of "card to card, library to library", to ensure the independence of data in the two cases Sex and non-interference. Through algorithms and technologies such as "offline timing matching of transaction file data", "online real-time transaction data writing to card and database", "automatic matching of card balance settlement period" and other algorithms and technologies, the system can ensure the overall consistency and correctness of stored value cards and database account data Under the circumstances, it is more rapid, accurate and convenient to understand and supervise the relevant data of the card and database account, and to ensure the consistency and accuracy of the transaction data finally integrated into the accounting subsystem in the two cases.

Description

technical field [0001] The invention relates to an electronic payment clearing method, in particular to a software clearing fusion method involving transaction data of a hardware stored-value card and a background database at the same time. Background technique [0002] At present, the electronic payment enterprises with non-financial background in my country mainly have three forms according to their business types. One is Internet gateway payment relying on large B2C and C2C websites; the other is offline payment through point-of-sale (POS) terminals, that is, bank card The third is prepaid card services such as stored value cards. With the development of e-commerce, the layout of third-party payment companies has also formed market segmentation. From the initial oriented to online retail to traditional industries, the business camp has been divided. [0003] With the rapid development of e-commerce, a new situation in which banks and third-party payment institutions compl...

Claims

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Application Information

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IPC IPC(8): G06Q40/00G07F7/08
Inventor 唐玉斌杨智敏葛海欧孙力斌
Owner LINKAGE SYST INTEGRATION
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