CN100346323C - 混合信用卡交易系统 - Google Patents
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Abstract
本发明公开了一种混合信用卡交易系统,该混合信用卡交易系统将交易作为经过清算中心的虚拟标准交易或者作为绕过清算中心的虚拟闭环交易来处理。该系统包括逻辑使能商家,逻辑使能商家检测虚拟闭环交易并将它们引导到合作收单机构,合作收单机构接收该虚拟闭环交易并将它们直接发给合作发卡机构以便绕过清算中心。合作发卡机构将虚拟标准交易记入信用卡帐户并且把虚拟闭环交易记入店内信用帐户。逻辑使能商家,相关的收单机构和相关的发卡机构可以通过加入互联网网站进行合作,促进小企业与销售批发商品的商家之间的交易。绕过清算中心时导致的处理费用的降低会促进混合信用卡的发行和使用。
Description
技术领域
本发明涉及使用交易卡以便利商业交易,尤其涉及混合信用卡的使用,混合信用卡能够用来进行循环信用交易和店内信用交易。
背景技术
大量的公司正在进行激烈竞争以在消费信贷市场中占取市场份额。信用卡消费者往往不会忠于任何一种信用卡。这要部分归因于互相竞争的具有很低的“引逗利率(teaser rate)”的信用卡的涌入以及从一种卡转到另一种卡的容易性。信用卡发行商曾尝试通过将信用卡的使用与一种回报制度结合来激励持卡者的忠诚度。一些信用卡发行商按交易金额的比例奖励点数。这些点数随后能够与赞助航空公司交换成免费机票。另一种市场策略是把每年的总消费额与作为总消费额一小部分的现金回报结合起来。尽管这样的一些鼓励金方案在获得和保留客户方面取得了成功,但是回报制度一般是高成本的,并且对利润率会有负面影响。
鼓励金方案也可以与限制在特定交易群体内的交易相结合,在这个特定交易群体中,发起者既是收单银行(acquiring bank)又是发卡银行(issuing bank),这被称为“on-us”交易。在典型的信用卡交易中,持卡者在商家处进行购买并且商家将该交易转发给收单银行。收单银行处理交易并收取费用,并且通过信用卡联盟网络(VISA、MASTERCARD、AMERICAN EXPRESS等)发送该交易。信用卡联盟网络进一步对交易进行处理并收取费用,并且将该交易发送到发卡银行。然后发卡银行将该交易记入持卡者的信用帐户。在“on-us”交易中,收单银行和发卡银行是同一机构,这使收单银行可以清算交易而不必通过信用卡联盟网络转发交易,从而导致预定的费用或其他附加费用。信用卡联盟网络费用的免除使得发卡银行更容易激励“on-us”购买并且因此激发顾客的忠诚度。尽管“on-us”交易能够起激励作用,但是能够发生“on-us”交易的情形非常有限。通常,商家必须与发卡方订立协定,或者就是发卡方本身,这样就限制了加入“on-us”信用交易的商家的数量。
商家交换(merchant exchange)是指商家之间的交易,其中进行大批量的商品和/或服务购买以在随后的零售交易中进行转售。因为各个交易的总额高且利润率低,所以信用卡的使用受到它们相对高的费用的限制。另一方面,通常必须由一方把信用延给另一方来完成交易。评估对方的信用能力困难且费用高,所以往往会限制很多小企业进行商家交换。
具有一种能够提供足够的激励来吸引新的持卡者和激发现有持卡者的忠诚度的信用卡将是有利的。具有一种能方便与几类商家的不同交易的信用卡也是有利的。另一个所期待的特征是信用卡能够被小企业用来在商品交换中从商家那进行购买而不会导致过多的费用。最后,具有一种能够通过鼓励金来增加交易数量,同时使发卡方利润的负面影响最小的信用卡也是有利的。
发明内容
本发明公开了一种混合信用卡交易系统,该混合信用卡交易系统把交易作为虚拟标准交易通过清算中心(clearinghouse)进行处理或者作为虚拟闭环交易绕过清算中心进行处理。绕过清算中心降低了与标准信用卡相关的费用,并且可以使用鼓励金结构促进混合信用卡的发行和使用。
在第一实施例中,本发明包括一种控制与交易相关的交易数据流的系统,用于处理作为通过清算中心进行的虚拟标准交易或者作为绕过清算中心的闭环交易的多个交易。该系统包括:识别码,该识别码具有第一字符串和第二字符串,所述识别码与交易数据相关联,所述识别码识别标准帐户和店内信用帐户;逻辑使能计算机(logic-enabledcomputer),其被配置成检测所述第一字符串并将所述交易数据标记为闭环交易数据;合作收单实体(affiliated acquiring entity),其被配置成取得未被标记的标准交易数据并将该标准交易数据引导到清算中心,还被配置成取得被标记的交易数据,并引导被标记的交易数据以绕过清算中心;以及合作发卡实体(affiliated issuing entity),其与所述识别码关联,所述合作发卡实体被配置成从清算中心接收标准交易数据,并将该标准交易数据传送到所述标准帐户,并接收所述被标记的交易数据,将被标记的交易数据传送到所述店内信用帐户(private labelaccount)。
在另一个实施例中,该交易系统包括处理单元,该处理单元具有鼓励金结构,该鼓励金结构根据被标记的交易数据向持卡者返还鼓励金。
在另一个实施例中,本发明包括产品展示方法,该方法能够被合作发卡机构用来促进小企业与合作或非合作商家之间的交易。该产品展示方法包括由合作商家向小企业提供用于销售的互联网网站,以及对这些小企业进行注册以在该互联网网站上进行交易。合作发卡机构向每一个在互联网网站上注册的小企业提供店内帐户和信用卡帐户。所发行的混合信用卡具有标识号,该标识号带有与店内帐户相关联的字符串和与信用卡帐户相关联的字符串。与非合作商家的交易被清算到信用卡帐户中并收取一种费用。与合作商家在互联网网站上的交易被清算到店内信用帐户中并收取第二种费用,第二种费用比第一种费用要低,这样可以促进互联网网站上的交易并促进该混合信用卡的使用。
本发明对逻辑使能商家和混合信用卡持卡者的好处在于避免了由信用卡联盟管理的交换以及信用卡联盟网络的费用,使商家和持卡者都节省成本。对于合作收单机构的好处在于交易量和伴随的交换费用的增加。对于合作发卡机构的好处在于持卡者数量和从贷方余额获得的利息收益的增加。
附图说明
以上对本发明进行了概括性的描述,下面将参照附图详细本发明,附图不需要按比例画出,其中:
图1是现有技术的标准信用卡交易处理系统的简图;
图2是本发明的混合信用卡交易系统的简图;
图3是虚拟闭环交易的简图,它是图2所示混合信用卡交易系统的一部分。
具体实施方式
以下将参照附图更全面地描述本发明,这些附图显示了本发明的优选实施例。但是,本发明可以实施为许多不同的形式,并且不应该被认为受这里所提到的实施例的限制。提供这些实施例是为了使本发明的公开全面和完整,并且使本领域的技术人员了解本发明的范围。在全文中用相同的标号表示相同的单元。
本发明涉及标准信用卡交易系统。图1是现有技术的标准信用卡交易处理系统的简图,描述了发生在商家11和持卡者12之间的购买交易。为了从商家11处进行购买,持卡者12提交信用卡给商家,以接收商品和/或服务。商家11或者记下该信用卡的标记或者记下该信用卡的标识号信息。然后商家11从收单银行13请求交易的授权和结算。商家11通过将有关交易的信息,包括信用卡号和交易额通知给收单银行来从收单银行13得到授权。收单机构13通过清算中心14来进行信用卡号和交易额的通讯以进行核准和结算。收单机构13向标准商家11收取对于该服务的商家折扣费用。
清算中心14也是信用卡联盟网络,并且比如可以是MASTERCARD、VISA或AMERICAN EXPRESS。清算中心14将卡号和交易额通知给发卡银行15,请求核准和清算。清算中心14从收单银行13接收财务利益并且付费给发卡银行15作为协助该交易的报酬。这些费用的结构由清算中心预先确定。
发卡银行向持卡者发放信用卡以及与该卡关联或由该卡访问的信用卡帐户12。发卡银行15将购买额和与从清算中心14传送来的信用卡卡号相关联的信用卡帐户12的当前余额和信贷限额进行比较。如果有足够的信用余额,则发卡银行15批准该交易,或者如果超过了信贷限额,则发卡银行15拒绝该交易。如果交易被批准,发卡银行15从持卡者的信用卡帐户12中扣除交易额,并且通过收单银行将该交易额转移到商家11的帐户。发卡银行15每过特定时间都计算所有的交易额并且向持卡者提供信用卡帐户支出的报表。
本发明的混合信用卡交易系统10包括混合信用卡,该信用卡能够用在访问信用卡帐户的虚拟标准信用卡交易中或访问店内信用帐户的虚拟闭环交易中,店内信用帐户是不安全的帐户,必须定期全部付清。图2是使用本发明的混合信用卡的混合信用卡交易系统10的简图。图中描述了当使用系统10时可用的两种交易类型,一种是虚拟标准信用卡交易,另一种是虚拟闭环信用卡交易。这里的“虚拟”一词是指本发明模仿现有技术的标准和闭环交易从而对于买方和商家透明这方面。使用该混合信用卡的交易可以在持卡者和混合信用卡都在交易过程的现场(面对面交易)的情形下实施,也可以在持卡者和支付卡都不在现场(比如,电话订货,邮件订货或互联网交易)的情形下实施,以及在持卡者授权从他们的信用卡帐户12或店内信用帐户16中扣除定期重复的费用的情形下实施。另外,“混合信用卡”一词广泛地用来表示甚至可以独立于实体卡的一个或多个帐户的标识形式。
虚拟标准交易包括标准商家11、收单银行13、清算中心14、合作发卡机构19和循环信用帐户12。虚拟闭环交易系统包括逻辑使能商家17、合作收单机构18、合作发卡机构19以及店内信用帐户16。合作收单机构18、合作发卡机构19和逻辑使能商家17都通过预先的协议进行合作来降低费用、提供鼓励金或进行合作以实现各合作方或持卡者的利益,从而增加卡的发行量。有关鼓励金制度的一个实施例的讨论将在本说明书后面的内容中进行。
在标准商家11那使用混合信用卡进行购买将启动虚拟标准交易过程,在这个过程中,收单银行13接收(acquire)该交易并且清算中心14对该交易进行清算。但是,合作发卡机构19与发卡银行15一样对该标准交易进行处理,修改信用卡帐户12的状态来对该交易进行记贷或记借。通过这种方式,混合信用卡的使用超出了虚拟闭环交易的范围。合作发卡机构19从使用混合信用卡的标准交易数量的增加中受益,如果不是为了在虚拟闭环交易中的利益,可能就不会发行混合信用卡。
当在逻辑使能商家17处使用混合信用卡时,逻辑使能商家将混合信用卡的标识号传送给合作收单机构18。合作收单机构直接从合作发卡机构19请求授权,并且发卡机构从店内信用帐户中扣除交易额。因为合作协议和逻辑使能商家17的输出,绕过了清算中心14,同时避免了交换和清算费用,如图3所示。省略这些费用使得持卡者更愿意使用混合信用卡进行虚拟闭环交易。
逻辑使能商家17使用信用卡的标识号检测标准交易和虚拟闭环交易之间的差异。混合信用卡包括信用卡标识号,该标识号具有与店内信用帐户16相关联的第一字符串和与信用卡帐户12相关联的第二字符串。逻辑使能商家17使用驻留在销售终端逻辑使能点中的程序逻辑检测第一字符串。混合信用卡和销售终端的逻辑使能点的配对使一组虚拟闭环交易的分立处理变得更便利,而不会妨碍销售终端点作为用于标准信用卡交易的数据获取设备的功能。商家销售终端点,如这里所指的,广泛地指用于处理支付卡交易的任何数据采集和传输设备。销售终端点包括,但不限于,独立终端、无人终端、网站和个人计算机。“字符串”一词在这里用来表示可以被读出并提交给逻辑使能商家17的任何数目的字母、对象、符号、条码或数字或者它们的组合。
在另一个实施例中,第一字符串被放在标准交易卡上称为商家分类码(Merchant Category Code,MCC)的区域中。在标准的实际操作中,对于通过一个商家终端处理的所有交易,MCC是一个常值。MCC通常是在商家终端的设置过程中分配的,并且在航空公司、汽车租赁代理和旅馆的情况中被用于指定特定的商品,或者比如在鞋店、妇女用品商店或按摩院用来指定正在销售的某一种类的产品或服务。驻留在逻辑使能商家终端中的计算机程序逻辑改变商家分类码以将交易识别为虚拟闭环交易。只在用于进行交易的混合信用卡或混合信用卡帐号是被指定用于闭环交易处理的一类卡或帐号的成员时下才改变MCC。使用MCC来指示虚拟闭环交易促成了逻辑使能商家17、合作收单机构18和合作发卡机构19进行的交易的独特处理。
合作收单机构18获取卡标识号,用来识别虚拟闭环交易并且将该交易直接引导到合作发卡机构19,绕过清算中心14。接着合作发卡机构19将交易额和可用店内信用限额16进行比较,如果还有足够的信用,则扣除交易额。如果没有足够的信用,则该交易被拒绝或进行不同处理,这是由预先的协议确定的。合作发卡机构19定期编制店内信用帐户16和循环信用帐户12的帐单报表并且发送给混合信用卡持卡者。
本发明对逻辑使能商家17和混合信用卡持卡者的好处在于避免了交换和预定的清算中心设立的费用,使商家和持卡者都能节省成本。除此以外,持卡者还受益于混合信用卡更好的通用性,它能在多个交易类型中使用。对于合作收单机构18的好处在于交易量和伴随的交换费用的增加。对于合作发卡机构19好处在于持卡者数量和从贷方余额获得的利息收益的增加。
在另一个实施例中,本发明包括产品展示方法,该产品展示方法能被合作发卡机构19用来向潜在的持卡者,特别是小企业介绍和推广该混合信用卡。建立一个互联网网站,用于一组合作的逻辑使能商家17向小企业出售大宗商品。每一个合作商家都使用相同的合作收单机构18,合作收单机构18可以检测混合信用卡的标识号并且将虚拟闭环交易直接发送到合作发卡机构19,并收取商家折扣费用。在一个方面,该互联网网站是一个商品交易所,在那里经营同类商品的商家聚集在一起参加那些商品的交易。合作不限于互联网网站的成员,还可以包括经营同类商品和/或服务或者有某些其他共同联系的不同商家组的成员。另外,互联网网站上的持卡者不必限制于小企业,也可以是普通消费者。
小企业使用互联网浏览器通过万维网访问合作互联网网站。为了让小企业从一个合作商家处进行购买,小企业必须成为注册用户。合作发卡机构19提示小企业在互联网网站上建立与混合信用卡相关联的店内信用帐户和信用卡帐户。合作发卡机构根据小企业的信用历史批准或不批准小企业的申请。如果批准,合作发卡机构就发给具有标识号的混合信用卡,该标识号带有与店内信用帐户16相关联的字符串和与信用卡帐户12相关联的字符串。店内信用帐户的使用也可称为“转移帐户(diversionaccount)”或“幽灵帐户(ghost account)”,它被用于进行虚拟闭环交易并且有效地将它们与其他标准交易隔离,其他标准交易也可以使用相同的混合信用卡进行。
然后,合作收单机构18可以在新注册的小企业和逻辑使能商家17之间达成交易。合作收单机构18以更少的费用对互联网网站上的交易进行清算,这可以降低总费用而使商家和小企业受益。商家和小企业也从有保证的信用额度中受益,这使他们不必象以前那样担心对方的信用能力。该产品展示方法促进商家和小企业在互联网上使用混合信用卡进行交易,增加了合作收单机构收取的费用,从而使合作收单机构18获利。由于促进了混合信用卡的发行量,而该混合信用卡也可以用于标准的循环信用交易,所以发卡机构19也从该产品展示方法中受益。
可以使用许多类型的鼓励金,但是鼓励金最好是由逻辑使能商家17收取的处理费用的折扣的形式。小企业也可以由于在大批量购买中使用标准支付卡时产生的正常费用的取消或降低而获利。该鼓励金可以在交易和清算过程中授予任何一方或被任何一方授出。通常,授出鼓励金的一方是从绕过清算中心14及其相关费用中获利的一方。
根据前面的说明和相关附图所介绍的本发明的主旨,与本发明相关领域的专业人员将会想到本发明的许多改进和其他实施例。但是,应该理解本发明不限于所公开的特定实施例,并且那些修改和其他实施例都包括在所附权利要求的范围内。虽然这里使用了特定的术语,但是它们仅仅是一般性的和描述性的,而不是用于限制的目的。
Claims (15)
1.一种控制与交易相关的交易数据流的系统,该系统包括:
识别码,该识别码具有第一字符串和第二字符串,所述识别码与交易数据相关联,所述识别码识别标准帐户和店内信用帐户;
逻辑使能计算机,其被配置成检测所述第一字符串并将所述交易数据标记为闭环交易数据;
合作收单实体,其被配置成取得未被标记的标准交易数据并将该标准交易数据引导到清算中心,还被配置成取得被标记的交易数据,并引导被标记的交易数据以绕过清算中心;以及
合作发卡实体,其与所述识别码关联,所述合作发卡实体被配置成从清算中心接收标准交易数据,并将该标准交易数据传送到所述标准帐户,并接收所述被标记的交易数据,将被标记的交易数据传送到所述店内信用帐户。
2.根据权利要求1所述的系统,还包括
处理单元,该处理单元具有鼓励金结构,该鼓励金结构根据被标记的交易数据向持卡者返还鼓励金。
3.根据权利要求2所述的系统,其中上述的鼓励金与绕过清算中心时避免的费用成正比。
4.根据权利要求1所述的系统,还包括
处理单元,该处理单元具有鼓励金结构,该鼓励金结构根据被标记的交易数据向商家返还鼓励金。
5.根据权利要求4所述的系统,其中上述的鼓励金与绕过清算中心时避免的费用成正比。
6.根据权利要求1所述的系统,其中
所述的第一字符串包括商家分类码。
7.根据权利要求1所述的系统,其中
所述的逻辑使能计算机属于在互联网网站上进行销售的一组合作商家中的一个。
8.根据权利要求2所述的系统,其中
所述的持卡者是小企业。
9.根据权利要求7所述的系统,其中,所述的互联网网站是用于企业对企业交易的市场。
10.根据权利要求1所述的系统,其中
所述的标准帐户是信用卡帐户,该信用卡帐户包括循环信用帐户。
11.根据权利要求1所述的系统,其中
所述的店内信用帐户是不安全的、必须定期全部付清的帐户。
12.根据权利要求1所述的系统,其中
所述的合作发卡实体被配置成向持卡者出具单独的店内信用帐户和信用卡帐户交易活动的定期报表。
13.一种控制与交易相关的交易数据流的方法,该方法包括:
准备识别码,该识别码具有第一字符串和第二字符串,所述识别码与交易数据相关,所述识别码识别标准帐户和店内信用帐户;
由逻辑使能计算机检测所述第一字符串并将所述交易数据标记为闭环交易数据;
由合作收单实体取得未被标记的标准交易数据并将该标准交易数据引导到清算中心,并取得被标记的交易数据,并引导被标记的交易数据以绕过清算中心;以及
由与所述识别码关联的合作发卡实体从清算中心接收标准交易数据,并将该标准交易数据传送到所述标准帐户,并接受所述被标记的交易数据,将被标记的交易数据传送到所述店内信用帐户。
14.根据权利要求13所述的方法,还包括根据被标记的交易数据向持卡者返还鼓励金的步骤。
15.根据权利要求13所述的方法,还包括根据被标记的交易数据向商家返还鼓励金的步骤。
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CN1520567A (zh) | 2004-08-11 |
CA2441547A1 (en) | 2002-09-26 |
WO2002075501A3 (en) | 2004-03-04 |
US8650121B2 (en) | 2014-02-11 |
AU2002254303A1 (en) | 2002-10-03 |
EP1412893A4 (en) | 2010-08-25 |
MXPA03008503A (es) | 2003-12-08 |
US20020138428A1 (en) | 2002-09-26 |
CA2441547C (en) | 2013-07-30 |
EP1412893A2 (en) | 2004-04-28 |
US7752134B2 (en) | 2010-07-06 |
US20100211444A1 (en) | 2010-08-19 |
WO2002075501A2 (en) | 2002-09-26 |
JP2005507099A (ja) | 2005-03-10 |
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