Patent ID: 7617152
Filing Date: 2009-11-10
Classification: G06Q

Abstract:
1. A bankcard transaction exchange system, comprising a processing center, at least one backup center, and a plurality of member institutions connected to the processing center via a network, wherein the processing center comprises at least a switching subsystem and a switching database, a batch processing subsystem, a historical database and a backline database, the switching subsystem is responsible for connecting each of the member institutions, receiving and forwarding a transaction request from the member institutions and a response to the member institutions, providing routing service and writing/reading a switching log into/from the switching database, the switching database is written into the backline database, the batch processing subsystem is responsible for reading the switching log from the backline database, clearing and settling a transaction in a way agreed on with the member institutions according to the switching log, and writing a result of the clearance and settlement to the backline database, wherein the processing center is further configured with a stand-in authorization subsystem, which is responsible for accomplishing stand-in authorization of a transaction according to the agreement with each bank as a member institution, and it's function specifically include quota control, accumulated amount control and accumulated transaction number control, and log recording, charge calculation, calculation, transaction check.