The method of a kind of POS terminal, server and processing credit card issuer code conflict
Technical field
The present invention relates to point-of-sale terminal (POS, point of sale) the terminal consumer sale field of swiping the card, be specifically related to a kind of processing POS terminal, server and handle the method for credit card issuer identification code (BIN) conflict.
Background technology
Bank card card BIN (Bank Identification Number, credit card issuer identification code) is generally preceding 6 of card number.Card BIN unifies coordinated allocation by special organizational structure, and therefore, card BIN does not conflict between the bank card, and the bank finance system can both be according to the unique identification one tame card sending mechanism of card BIN.
Along with bank card financial machine and tool POS etc. progressively begins to accept the non-banking card business, improve the facility service efficiency, reduce trade company's management difficulty, for non-banking card transaction (for example: prepaid card, member card etc.), its card BIN resource does not but have unified organizational structure's coordinated management, each each, the card BIN of various types of traffic exists the possibility of conflict.If all kinds of non-banking cards are are only accepted in the closed system of oneself, be no problem, yet in trade company's resource, network channel condition of limited, the demand that POS terminal is accepted multiple business is very strong, must cause card BIN conflict, the way that manages conflict at present or forbid the adding of card type afterwards, otherwise portion puts independent terminal, causes the wasting of resources.
Summary of the invention
Technical matters to be solved by this invention is, the method for a kind of POS terminal, server and transaction card BIN conflict is provided, and conflicts with flexible the processings POS terminal card BIN that swipes the card.
In order to solve the problems of the technologies described above, the invention discloses the method for a kind of processing issuing card identification code (BIN) conflict, comprising:
The information of server side definition conflict card BIN;
The information of POS equipment synchronous described conflict card BIN from described server;
Described POS equipment, when receiving transaction request, judge according to the information of synchronous conflict card BIN whether the transaction card type of initiating described transaction request exists card BIN conflict, if there is conflict, then point out the user to select card sending mechanism to get rid of conflict by hand, again with the card number of transactional cards and card sending mechanism information package in the transaction request message, if there is no conflict, then the card number with transactional cards is bundled in the transaction request message.
Preferably, in the said method, described conflict card BIN information comprises card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length, and initial card BIN is by card BIN.
Preferably, in the said method, during the information of described server side definition conflict card BIN, define the binding relationship of different POS equipment and the card BIN that conflicts;
During the information of described POS equipment synchronization conflicts card BIN from described server, only synchronously with the information of the card BIN that conflicts of this POS apparatus bound.
Preferably, in the said method, different POS equipment comprises the information of conflict card BIN and the POS facility information of binding thereof with the binding relationship of the card BIN that conflicts, and wherein, described POS end message comprises POS terminal number, trade company's coding, terminal type at least.
Preferably, said method also comprises:
The information of conflict card BIN after the information of described server side update inconsistency card BIN, described POS equipment are upgraded from described server synchronously.
The invention also discloses a kind of point-of-sale terminal (POS) equipment, comprise conflict card issuing card identification code (BIN) information synchronization module and card BIN conflict processing module, wherein:
Described conflict card BIN information synchronization module, the information of synchronization conflicts card BIN from server;
Described card BIN conflict processing module, when receiving transaction request, judge according to the information of described conflict card BIN whether the transaction card type of initiating this transaction request exists card BIN conflict, if there is conflict, then point out the user to select card sending mechanism to get rid of conflict by hand, with the card number of transactional cards and card sending mechanism information package in the transaction request message, if there is no conflict, then the card number with transactional cards is bundled in the transaction request message.
Preferably, in the above-mentioned POS equipment, described conflict card BIN information comprises card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length, and initial card BIN is by card BIN.
Preferably, in the above-mentioned POS equipment, described conflict card BIN information synchronization module, the information of the card BIN that conflicts that from server, binds with this POS equipment synchronously.
Preferably, in the above-mentioned POS equipment, described card BIN conflict processing module judges that there is card BIN conflict in the transaction card type of initiating this transaction request, and the prompting user selects card sending mechanism to refer to get rid of conflict by hand:
All card sending mechanism and the card sending mechanism coding of the card BIN correspondence that described card BIN conflict processing module will clash are illustrated on the POS terminal screen with menu-style, and the prompting user manually selects the card sending mechanism of this transactional cards correspondence to get rid of conflict.
Preferably, in the above-mentioned POS equipment, described conflict card BIN information synchronization module, send the request of conflict card BIN information synchronization to server, carry the terminal coding of this POS equipment in the described request, and the response message that server returns resolved obtain new conflict card BIN information, and store new conflict card BIN information.
The invention also discloses a kind of server, comprise
Conflict card issuing card identification code (BIN) information definition module, definition conflict card BIN information, and respectively with different point-of-sale terminal (POS) apparatus bound;
Database, record POS facility information, conflict card BIN information, and the binding relationship of POS equipment and the card BIN that conflicts;
Conflict card BIN information synchronization module according to the binding relationship of POS equipment in the described database with the card BIN that conflicts, arrives corresponding POS equipment with conflict card BIN information synchronization.
Preferably, in the above-mentioned server, described conflict card BIN information comprises card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length, and initial card BIN is by card BIN;
Described POS facility information comprises POS terminal number, trade company's coding, terminal type at least.
Preferably, above-mentioned server also comprises:
The transaction routing module receives the transaction request message that POS equipment sends, and carries card sending mechanism information if detect in this transaction request message, then directly this transaction request is routed to the card sending system of appointment.
Preferably, in the above-mentioned server, described conflict card BIN information definition module when conflict card BIN information-change, is revised binding state, and at this moment, described database reminds POS equipment to carry at present subsynchronous down.
Preferably, in the above-mentioned server, described conflict card BIN information synchronization module, receive the conflict card BIN information synchronization request that the POS terminal is initiated, and encode according to the terminal in the synchronization request message, checked up-to-date conflict card BIN information whether synchronously, if synchronous, then can in response message, inform the POS terminal do not have can be synchronous conflict card BIN information; Otherwise the card BIN information of then can will conflicting in response message is packed and is uploaded, so that new conflict card BIN information is resolved and preserved to the conflict card BIN synchronization module of POS terminal.
The present techniques scheme can be handled the swipe the card card BIN conflict of POS terminal flexibly, improves the utilization factor of POS terminal resource, improves POS service handling environment, saves manpower, financial resource.
Description of drawings
Fig. 1 is POS terminal card BIN conflict resolution system configuration diagram in the present embodiment;
Fig. 2 is the schematic flow sheet of transaction card BIN conflict in the present embodiment;
Fig. 3 is conflict card BIN information synchronization process flow diagram in the present embodiment;
Fig. 4 be in the present embodiment during real consumption card BIN conflict solve schematic flow sheet;
Fig. 5 is that server carries out transaction request treatment scheme synoptic diagram in the present embodiment.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer, hereinafter will be described in further detail technical solution of the present invention by reference to the accompanying drawings.Need to prove that under the situation of not conflicting, the application's embodiment and the feature among the embodiment can make up arbitrarily mutually.
Embodiment 1
Present embodiment provides a kind of method of transaction card BIN conflict, and it is realized based on system architecture shown in Figure 1.Particularly, the implementation procedure of this method comprises following operation as shown in Figure 2 at least:
The information of step 100, server side definition conflict card BIN;
Wherein, conflict card BIN information is as shown in table 1, comprises at least: card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length, initial card BIN is by card BIN.Need to prove that the card sending mechanism coding is unique follows a card sending system to bind.The card sending mechanism title is used for being presented on the POS terminal screen to be selected for User Recognition.Conflict card BIN information can have many, needs whole down loading updatings during the POS terminal synchronizes.
Table 1 is conflict card BIN information table
In addition, conflict card BIN and POS terminal binding, be about to the POS terminal and in the data in server storehouse, carry out related preservation with conflict card BIN information.If conflict card BIN information has change, the sync id that only needs modification conflict card BIN binding is to get final product " needing synchronous ".
The information of step 200, POS equipment synchronization conflicts card BIN from server;
Step 300, POS equipment, when receiving transaction request, judge according to the information of synchronous conflict card BIN whether the transaction card type of initiating current transaction request exists card BIN conflict, if there is conflict, then point out the user to select card sending mechanism to get rid of conflict by hand, again with the card number of transactional cards and card sending mechanism information package in the transaction request message, if there is no conflict, then the card number with transactional cards is bundled in the transaction request message.
Particularly, the POS terminal can be by routine isochronous transaction (transaction of for example registering) from server end synchronization conflicts card BIN information, and this process as shown in Figure 3.After server end is received the synchronization request message, according to POS terminal number in the message, match the card BIN information of conflicting with its binding, judging whether needs synchronously.If do not need synchronously, then the conflict card BIN information that explanation need not be upgraded synchronously in the syn ack message; If change has taken place the conflict card BIN information that defines in the system, need then will conflict card BIN information package in the syn ack message synchronously.The POS terminal is resolved update content after receiving response message, and new conflict card BIN information data renewal is saved in local file.
When in conjunction with Fig. 4 real consumption being described again below, the operating process of POS terminal processes card BIN conflict.The user is after having brushed card, the POS terminal at first loads the conflict card BIN information of local cache, use card number and its coupling of this transaction then, belong to conflict card BIN if match, then the card sending mechanism with the card BIN correspondence of all conflicts displays with menu-style, make the card face printing card issuer of cashier according to this transactional cards, a unique selected card sending mechanism from menu (being that the cashier conflicts to get rid of by the card sending mechanism of manual option dealing card), then in the transaction request message, the transaction routing module of being convenient to server end that the card sending mechanism coding of artificial selection and transaction card number need be packed into account is handled.If not conflict, the card number of then will concluding the business is bundled in the transaction request message and gets final product.
And for server, the transaction routing module in the server receives above-mentioned transaction request, resolves the transaction card number from message, and whether artificial selected card sending mechanism is arranged, and carries out routing policy with this, and detailed process as shown in Figure 5.If analytic message has artificial selected card sending mechanism, then directly be routed to corresponding card sending system according to this mechanism and continue to handle; If no, then in database, mate its corresponding card sending mechanism according to the transaction card number, can only match a unique tame card sending mechanism this moment certainly.Because POS terminal and server end are synchronous, the POS terminal is not conflict there, and server end can not conflict yet.According to the card sending mechanism that matches, transaction request is routed to corresponding card sending system carries out subsequent treatment and get final product.
Embodiment 2
Present embodiment provides a kind of POS (Point of Sale) equipment, can solve the problem of card BIN conflict when swiping the card transaction, and it comprises conflict card BIN information synchronization module and card BIN conflict processing module at least.
Conflict card BIN information synchronization module, the information of synchronization conflicts card BIN from server;
During the information of synchronization conflicts card BIN, the information of the card BIN that conflicts that can be from server only binds with this POS equipment synchronously.
Wherein, conflict card BIN information comprises card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length at least, and initial card BIN is by card BIN.Specifically can be referring to table 1.
Particularly, conflict card BIN information synchronization module, send the request of conflict card BIN information synchronization to server, carry the terminal coding of this POS equipment in this request, and the response message that server returns resolved obtain new conflict card BIN information, and store the old conflict card BIN information of new conflict card BIN information to replace storing on the POS terminal.
Card BIN conflict processing module, when receiving transaction request (being bankcard consumption), judge according to the information of conflict card BIN whether the transaction card type of initiating this transaction request exists card BIN conflict, if there is conflict, then point out the user to select card sending mechanism to get rid of conflict by hand, with the card number of transactional cards and card sending mechanism information package in the transaction request message, if there is no conflict, then the card number with transactional cards is bundled in the transaction request message.In the present embodiment, the prompting user selects card sending mechanism to refer to get rid of conflict by hand: all card sending mechanism of the card BIN correspondence that card BIN conflict processing module will clash and card sending mechanism coding are illustrated on the POS terminal screen with menu-style, and the prompting user manually selects the card sending mechanism of this transactional cards correspondence to get rid of conflict.
Need to prove that the POS equipment in the present embodiment includes but not limited to that bank card is accepted POS, prepaid card is accepted POS.
Embodiment 3
Present embodiment provides a kind of server, can cooperate to solve the problem of card BIN conflict with the POS equipment of embodiment 2, and this server comprises following each several part at least.
Conflict card BIN information definition module, definition conflict card BIN information, and respectively with different POS apparatus bound;
Database, record POS facility information, conflict card BIN information, and the binding relationship of POS equipment and the card BIN that conflicts;
Wherein, conflict card BIN information comprises card sending mechanism coding, card sending mechanism title, card BIN interception position, card BIN length at least, and initial card BIN is by card BIN.
The POS facility information comprises POS terminal number, trade company's coding, terminal type at least.
Conflict card BIN information synchronization module according to the binding relationship of POS equipment in the database with the card BIN that conflicts, arrives corresponding POS equipment with conflict card BIN information synchronization.
Particularly, conflict card BIN information synchronization module, receive the conflict card BIN information synchronization request that the POS terminal is initiated, and encode according to the terminal in the synchronization request message, checked up-to-date conflict card BIN information whether synchronously, if synchronous, then can in response message, inform the POS terminal do not have can be synchronous conflict card BIN information; Otherwise the card BIN information of then can will conflicting in response message is packed and is uploaded, so that new conflict card BIN information is resolved and preserved to the conflict card BIN synchronization module of POS terminal.
Above-mentioned server also includes the transaction routing module, this module receives the transaction request message that POS equipment sends, detect in this transaction request message and whether carry card sending mechanism information, if carry then the direct card sending system that this transaction request is routed to appointment, if do not carry, then according to the card number in the transaction request message, match its card sending mechanism, be routed to different card sending systems and carry out Account Disposal and get final product.
In addition, above-mentioned conflict card BIN information definition module when conflict card BIN information-change, also can be revised binding state, and at this moment, described database reminds POS equipment to carry at present subsynchronous down.
One of ordinary skill in the art will appreciate that all or part of step in the said method can instruct related hardware to finish by program, described program can be stored in the computer-readable recording medium, as ROM (read-only memory), disk or CD etc.Alternatively, all or part of step of above-described embodiment also can use one or more integrated circuit to realize.Correspondingly, each the module/unit in above-described embodiment can adopt the form of hardware to realize, also can adopt the form of software function module to realize.The application is not restricted to the combination of the hardware and software of any particular form.
The above is preferred embodiments of the present invention only, is not for limiting protection scope of the present invention.Within the spirit and principles in the present invention all, any modification of making, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.