Product overview
As the development of foreign affairs of china, there are more and
more foreigners come to China for business or travelling so this
proposes high requirements for the treatment environment of the
domestic bank card. On the other side, only by improving the
treatment environment of foreign currency card, taking an active
role in the international business, can the international financing
business experience be accumulated and financing service level is
improved.
So it becomes more important that enhancing the treating ability of
foreign currency card. Developing and building Foreign Currency
Card Acquiring System with strong function is one of the important
treatment ability of the foreign currency card.
The Foreign Currency Card Acquiring System can realize the
drawing/inquiring transaction, automatic revision, safety
controlling, settlement/clearing account, error account treatment
/changing, system configure management, statistic analyzing and
other functions. The foreign currency cards supported includes:
VISA card, Master card, American Express card, Diners Club card,
JCB card and other foreign currency card issued outside, and the
debit cards and credit cards in china.
Functions
Drawing/ inquiring transaction
The transaction request raised by atm is sent to the international
credit organization after the treatment of atm front end processor,
branch center of the outside card and supreme center of the outside
card and supreme center of the outside card. International credit
organization will send the answer to the supreme center of the
outside card.
Then it is sent to the branch center of the outside card by the
supreme center of the outside card, then to atm front end processor
by the branch center of the outside card. After the atm front end
processor receives the answer from the international organization,
it will send request to the bank core; after the atm front end
processor receives the answer from the back core it will send order
to atm.
Automatic revision to abnormal transaction
To make sure the integrity and accuracy of the account, set the
relevant revision mechanism to the transaction; it is made by the
system automatically; no human work is needed. It will take
relevant automatic revision to abnormal situations such as system
halting, application error, report loss, bad connection joint and
refusal to request and response by one part.
Safety controlling
The safety controlling of the foreign card connection is to take
transmitted encrypting to the ping lock. When a transaction takes
part this work is done in the control of ets. The ping lock of each
transaction requires all the atm and front end processor password
machine should be encrypted by the 3des arithmetic and 128bytes key
to make sure the system can meet the need of the international
organization.
Settlement /clearing account
The main center send the settlement data(total amount and details)
to the dollar collecting bank and send us dollar capital to the
international business department of the order collecting bank. To
make sure the validity of the capital transaction, the system
provides two kinds of account processes: one is the account
checking with international organization; the other one is the
account checking with the order collecting bank. Find and treat
error by account checking and produce clearing warrant by the
financing department and take settlement to the printed financing
warrant.
Error account treatment/changing
It is used in the error treatment after the account checking. If
the account is not right, on the error platform, capital
application, revision, once order refusing, capital application for
the second time, order refusing for the second time can be taken.
If there is still conflict in account between the bank and
international organization, it can follow the regulations in the
process and procedure of the arbitration.
System monitor/configuring management
Information configuring management module is to configure parameter
and script of the system. Its main functions are: checking of the
line of communication, system sign-on/sign-off, changing of the
system key, configuring system parameter (such as card bin,
function list etc.) And it provides changing scripts of configuring
interfaces of format transforming and route script to the
operators. At the same time, the detailed information about system
transaction condition and equipment condition can be made so as to
take the daily operating preservation with chooses.
Statistic analyzing
The system produces settlement result reports everyday so as to
check the real capital sending by international business
department. At the same time, it summary the transaction quantity
and amount of order collecting busines
