CN103426239B - The defining method of the issuer of information-storing device and determining device - Google Patents
The defining method of the issuer of information-storing device and determining device Download PDFInfo
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Abstract
The present invention proposes a kind of defining method of issuer of information-storing device, comprising: the data collection steps gathering desired data from the usage data source of original information-storing device; The historical data integration step of multiple history data set is formed according to the time attribute of the data collected; And the geographical inherent characteristic of the data to concentrate according to described historical data is by calculating the issuer determining described information-storing device.The application of the invention can determine the issuer of information-storing device comparatively expediently.
Description
Technical field
Present invention relates in general to information-storing device, particularly relate to the discrimination technology of the particular community to information-storing device.
Background technology
Information storage technology is Developing one of technology the most rapidly, and the Information Number that the information-storing device of unit volume and quality can store promotes rapidly with the speed surmounting Moore's Law.Except the development on capacity and reading speed, store to information the study hotspot that other relevant technology is also scientific research personnel.
Bank card is a kind of information-storing device, it has usually multiple magnetic track for recorded information.The related data of this special information-storing device is analyzed scientific research and daily life are had great importance.In China, current part commercial bank completed or just progressively implement with bank card information exchange mechanism always to always docking, this pattern will directly affect the accuracy of bank card information exchange mechanism data statistics.
The statistical report form major part that bank card information exchange mechanism uses comes from data warehouse.Here data warehouse refers to data service system.When data warehouse adds up all kinds of index, with in transaction message accept mechanism (32 territory), transmitting mechanism (33 territory), receiving mechanism (100 territory) and the card sending mechanism relation that calculates according to card BIN very big.Always to after total docking, receiving mechanism is generally total line code, but not the mechanism corresponding to local branch office.
Meanwhile, the bank card business dealing of commercial bank is general is also sent to head office by unified.Therefore, because in message, receiving mechanism, card sending mechanism are presented as total line code, the statistics that hair fastener top-cross is easy can be affected, and namely card sending mechanism is all shown as head office.
Prior art, no matter be statistics card sending mechanism, clearance receiving mechanism, or add up from 100 territories message territory, the transaction of the hair fastener side of most of issuing bank is all difficult to count on branch office, and can only be head office, thus have impact on statistical accuracy.
Summary of the invention
In order to the aspect at least solved the problem, the present invention proposes a kind of defining method of issuer of information-storing device, comprising: the data collection steps gathering desired data from the usage data source of original information-storing device; The historical data integration step of multiple history data set is formed according to the time attribute of the data collected; And the geographical inherent characteristic of the data to concentrate according to described historical data is by calculating the issuer determining described information-storing device, wherein, there is the information of high correlation in the location that described geographical inherent characteristic represents with described issuer.
The defining method of issuer according to an aspect of the present invention, wherein said information-storing device is bank card, and described issuer is credit card issuer.
The defining method of the issuer of information-storing device according to an aspect of the present invention, wherein said data collection steps also comprises to be changed the data in described usage data source and step that redundant data is rejected.
The defining method of the issuer of information-storing device according to an aspect of the present invention, wherein said historical data integration step comprise select described information-storing device of that month usage data, before this month 2nd month usage data and before this month the usage data of 4th month as nearest trimestral history data set.
The defining method of issuer according to an aspect of the present invention, wherein said geographical inherent characteristic comprise government utility payment transaction, telecommunications TV payment class transaction, insurance bankcard consumption transaction, public hospital transaction and white goods sale monopoly transaction information.
The defining method of the issuer of information-storing device according to an aspect of the present invention, the rule of wherein said calculating is as follows: if described nearest trimestral historical data is concentrated only have a notes record, then this record spot is defined as issuer location; And if described nearest trimestral historical data is concentrated more than a notes record, then: if described nearest trimestral historical data is concentrated state any one the record that government utility payment is concluded the business, described telecommunications TV payment class is concluded the business, described insurance bankcard consumption is concluded the business in these three kinds transaction to some extent, then the record spot of the transaction occurred at first in above-mentioned three kinds of transaction is defined as issuer location; If there is no above-mentioned three kinds of transaction, but there is any one the record in the transaction of described public hospital or described white goods sale monopoly transaction these two kinds transaction, then the record spot of the transaction occurred at first in above-mentioned two kinds of transaction is defined as issuer location; And if both there is no above-mentioned three kinds of transaction, there is no above-mentioned two kinds of transaction yet, then the maximum area of transaction stroke count be defined as issuer location.
The invention allows for a kind of determining device of issuer of information-storing device, comprising: data collector, for gathering desired data from the usage data source of original information-storing device; Historical data integrating apparatus, for forming multiple history data set according to the time attribute of the data collected; And calculation element, geographical inherent characteristic for the data concentrated according to described historical data is passed through to calculate the issuer determining described information-storing device, wherein, there is the information of high correlation in the location that described geographical inherent characteristic represents with described issuer.
The determining device of the issuer of information-storing device according to an aspect of the present invention, wherein said information-storing device is bank card, and described issuer is credit card issuer.
The determining device of the issuer of information-storing device according to an aspect of the present invention, wherein said data collector also comprises to be changed the data in described usage data source and pretreatment unit that redundant data is rejected.
The determining device of the issuer of information-storing device according to an aspect of the present invention, wherein said historical data integrating apparatus comprises integron device, for selecting the of that month usage data of described information-storing device, before this month 2nd month usage data and before this month the usage data of 4th month as nearest trimestral history data set.
The application of the invention, can determine the issuer of information-storing device comparatively expediently.
Accompanying drawing explanation
For ease of understanding, by not limiting example, embodiments of the invention are described with reference to the accompanying drawings.In figure:
Fig. 1 shows the basic procedure of the defining method of the issuer of information-storing device according to an embodiment of the invention;
Fig. 2 shows the basic system of the determining device of the issuer of information-storing device according to an embodiment of the invention.
Embodiment
Illustrate unless separately added, as also cognoscible from following discussion, this instructions in the whole text in, utilize the discussion of such as " process ", " calculating ", " determination " and so on term to represent action or the process of the particular device using such as computing machine or similar computing electronics and so on.In the context of the present specification, computing machine or similar computing electronics can be handled or figure signal.These signals are typically expressed as physical electronic or the quantity of magnetism in the storer of computing machine or similar computing electronics, register or out of Memory memory storage, transmitting device or display device.Such as, computing electronics can comprise the one or more processor performing one or more specific functions.
As shown in Figure 1, the first step of the deterministic process of the issuer of information-storing device can be gather desired data (S101) from the usage data source of original information-storing device.Then, multiple history data set (S102) can be formed according to the time attribute of the data collected.Finally, the geographical inherent characteristic of the data concentrated according to described historical data is by calculating the issuer (S103) that just can determine described information-storing device.Here, what geographical inherent characteristic represented is the information having high correlation with the location of described issuer.Owing to having the information of high correlation with the location of issuer in the data after make use of the time screening that experienced by step S102 in last step S103, thus can ensure comparatively reliably to determine issuer.
Non-limiting as just an example, the information-storing device in said method is bank card, and described issuer is credit card issuer.In this case, the present invention can realize determining its credit card issuer from the Transaction Information of bank card, thus helps the accuracy improving the data statistics of bank card information exchange mechanism.There is the transaction data of obvious strange land transactional nature, such as, have and can reject in step S101 or S102 about hotel, common wholesale, the wholesale this kind of transaction data of large enterprise.The rejecting of this kind of data can not affect the accuracy of the determination to issuer usually, whole deterministic process can be made more efficient on the contrary owing to reducing data processing amount.
Non-limiting as just an example, the step of data conversion can also be comprised in the step S101 in said method.Data layout in different data sources may be not quite similar, form in same data source also may there are differences, or the form adopted in data source is selected based on the consideration stored, and might not be beneficial to the operation carried out to realize object of the present invention.Above-mentioned data conversion step is intended to eliminate this adverse influence, the data in data source is converted to the form of the most applicable processing procedure of the present invention.In addition, due to many reasons, the data of repetition and redundancy may in data source, be there are.Due in the present invention, the quantity of different records has conclusive effect to last determination result, and thus the reliability being repeatedly unfavorable for guarantee conclusion appears in a record.For this reason, the step that the data that can add repetition and redundancy in step S101 are rejected.
Non-limiting as just an example, can comprise in the step S102 in said method select described information-storing device of that month usage data, before this month 2nd month usage data and before this month the usage data of 4th month as nearest trimestral history data set.Suppose that of that month is the M month, then three history data sets are the historical data of the M month, the historical data of the M-2 month and the historical data of the M-4 month respectively.Selecting to carry out in continuous print month in month and not selecting at interval analysis and calculation is consideration based on the Statistical Distribution to bank card business dealing data time of origin.In some special months, such as National Day, the Spring Festival place the transaction data in month easily there is singularity, utilize the month at interval to investigate and can evade this kind of special month.
Non-limiting as just an example, the rule calculated described in the step S103 in said method is as follows:
If described nearest trimestral historical data is concentrated only have a notes record, then this record spot is defined as issuer location; And
If described nearest trimestral historical data is concentrated be greater than a notes record, further judge according to different situations:
(1) if described nearest trimestral historical data is concentrated state any one the record that government utility payment is concluded the business, described telecommunications TV payment class is concluded the business, described insurance bankcard consumption is concluded the business in these three kinds transaction to some extent, then issuer location is defined as with the record spot of the transaction occurred at first in above-mentioned three kinds of transaction;
(2) if there is no above-mentioned three kinds of transaction, but there is any one the record in the transaction of described public hospital or described white goods sale monopoly transaction these two kinds transaction, be then defined as issuer location with the record spot of the transaction occurred at first in above-mentioned two kinds of transaction; And
(3) if both there is no above-mentioned three kinds of transaction, there is no above-mentioned two kinds of transaction yet, then areas maximum for transaction stroke count is defined as issuer location.
If a transaction does not also occur, then do not need the credit card issuer adding up this card, but if needed, issuer can be confirmed as acquiescence issuer yet.In addition, if when do not have government utility pay the fees transaction, telecommunications TV payment class transaction, insurance bankcard consumption transaction, public hospital transaction and white goods sale monopoly transaction, there is the transaction of identical number in multiple area again, then can an area in this multiple area of Stochastic choice as issuer.
In the above example, government utility payment transaction, the transaction of telecommunications TV payment class, the transaction of insurance bankcard consumption, public hospital's transaction and white goods sale monopoly transaction all have geographical build-in attribute, are the transaction that there is the correlativity of height in location that is typical and issuer.But the geographical build-in attribute of this several transaction has again dividing of power, first three plants stronger than the geographical build-in attribute of latter two, thus can as factor top-priority when judging.It will be appreciated by those skilled in the art that, above-mentioned example is not as the citing of the unique or exhaustive of the determination mode of issuer, and being only to provide the example determining issuer based on differentiated geographical inherent characteristic, those skilled in the art can expect easily being more applied to this type of transaction and concrete Design with Rule after having read the above-mentioned computation rule based on five kinds of transaction.
As shown in Figure 2, the determining device 200 according to the issuer of information-storing device of the present invention can comprise data collector 201, for gathering desired data from the usage data source of original information-storing device;
Historical data integrating apparatus 202, for forming multiple history data set according to the time attribute of the data collected; And calculation element 203, geographical inherent characteristic for the data concentrated according to described historical data is passed through to calculate the issuer determining described information-storing device, wherein, there is the information of high correlation in the location that described geographical inherent characteristic represents with described issuer.Determining device 200 may be used for the deterministic process of the issuer realizing above described information-storing device, each the concrete step exemplarily comprising step S101-S103 and describe thereafter.
Method described here can be realized by various mode according to application at least partly according to special characteristic or example.Such as, this method realizes by hardware, firmware, software or their any combination.In hardware implementing, such as, device can perform in other device units of all functions as described herein or their any combination at one or more special ICs (ASICs), digital signal processor (DSPs), digital signal processing device (DSPDs), programmable logic device (PLD) (PLDs), field programmable gate array (FPGAs), processor, controller, microcontroller, microprocessor, electronic installation or be designed to and realize.
Equally, in certain embodiments, method can adopt the module performing function described here or their any combination to realize.Such as, any machine readable media visibly specializing instruction can realize using in these class methods.In one embodiment, such as, software or code can store in memory and be run by processing unit.Storer can in processing unit and/or processing unit outside realize.Here used term " storer " represents long-term, short-term, the volatibility of any type, non-volatile or other storer, and is not limited to any particular type of storer or the quantity of storer or the type of storage medium.
Storage medium can comprise any usable medium that can be visited by computing machine, computing platform, calculation element etc.As an example instead of restriction, computer-readable medium can comprise RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic memory apparatus, or can be used for carrying or storing taking the program code of the expectation of instruction or data structure form and other any medium that can be visited by computing machine, computing platform or calculation element.
Although be illustrated above the current content being considered to exemplary characteristics, one skilled in the art will appreciate that when not deviating from claimed theme, various amendment can be carried out to specific embodiment described in the present invention.Therefore, claimed theme is not limited to disclosed particular example, on the contrary, that includes all the elements within the scope falling into claims.
Claims (10)
1. a defining method for the issuer of information-storing device, comprising:
The data collection steps of desired data is gathered from the usage data source of original information-storing device;
The historical data integration step of multiple history data set is formed according to the time attribute of the data collected; And
The geographical inherent characteristic of the data concentrated according to described historical data by calculating the issuer determining described information-storing device, wherein,
There is the information of high correlation in the location that described geographical inherent characteristic represents with described issuer.
2. the defining method of the issuer of information-storing device as claimed in claim 1, wherein said information-storing device is bank card, and described issuer is credit card issuer.
3. the defining method of the issuer of information-storing device as claimed in claim 2, wherein said data collection steps also comprises to be changed the data in described usage data source and step that redundant data is rejected.
4. the defining method of the issuer of information-storing device as claimed in claim 3, wherein said historical data integration step comprise select described information-storing device of that month usage data, before this month 2nd month usage data and before this month the usage data of 4th month as nearest trimestral history data set.
5. the defining method of the issuer of information-storing device as claimed in claim 4, wherein said geographical inherent characteristic comprises the information of government utility payment transaction, the transaction of telecommunications TV payment class, the transaction of insurance bankcard consumption, public hospital's transaction and white goods sale monopoly transaction.
6. the defining method of the issuer of information-storing device as claimed in claim 5, the rule of wherein said calculating is as follows:
If described nearest trimestral historical data is concentrated only have a notes record, then this record spot is defined as issuer location; And
If described nearest trimestral historical data is concentrated more than a notes record, then:
If described nearest trimestral historical data is concentrated and is stated government utility payment transaction to some extent, described telecommunications TV payment class is concluded the business, described insurance bankcard consumption concludes the business these three kinds any one the record in concluding the business, then the record spot of the transaction occurred at first in above-mentioned three kinds of transaction is defined as issuer location;
If there is no above-mentioned three kinds of transaction, but there is any one the record in the transaction of described public hospital or described white goods sale monopoly transaction these two kinds transaction, then the record spot of the transaction occurred at first in above-mentioned two kinds of transaction is defined as issuer location; And
If both there is no above-mentioned three kinds of transaction, there is no above-mentioned two kinds of transaction yet, then areas maximum for transaction stroke count had been defined as issuer location.
7. a determining device for the issuer of information-storing device, comprising:
Data collector, for gathering desired data from the usage data source of original information-storing device;
Historical data integrating apparatus, for forming multiple history data set according to the time attribute of the data collected; And
Calculation element, the geographical inherent characteristic for the data concentrated according to described historical data is passed through to calculate the issuer determining described information-storing device, wherein,
There is the information of high correlation in the location that described geographical inherent characteristic represents with described issuer.
8. the determining device of the issuer of information-storing device as claimed in claim 7, wherein said information-storing device is bank card, and described issuer is credit card issuer.
9. the determining device of the issuer of information-storing device as claimed in claim 8, wherein said data collector also comprises to be changed the data in described usage data source and pretreatment unit that redundant data is rejected.
10. the determining device of the issuer of information-storing device as claimed in claim 9, wherein said historical data integrating apparatus comprises integron device, for selecting the of that month usage data of described information-storing device, before this month 2nd month usage data and before this month the usage data of 4th month as nearest trimestral history data set.
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| US5136633A (en) * | 1990-01-30 | 1992-08-04 | Visa International Service Association | International authorization system |
| CN101211345A (en) * | 2006-12-27 | 2008-07-02 | 中国银联股份有限公司 | Historical trading enquiry method, device and error processing platform |
| CN101464981A (en) * | 2007-12-18 | 2009-06-24 | 黄金富 | Bank card account security system and method through mobile phone orientation authentication card owner identification |
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