Design And Implementation Of Small And Medium-sized Merchants Compensation System

In order to effectively stimulate that acquirers in Gansu expand the activeness of medium and small businesses, it shall effectively solve the problems that restrict the rapid development of acquiring market in cities of second level as well as medium and small business, that is, the calculation period of medium and small businesses market is too long and acquirers lack motivation. Gansu Branch of China UnionPay, with all acquirers and issuers, researched and designed the implementation scheme of medium and small businesses compensation. Medium and small businesses compensation system is the important project of Gansu Branch of China UnionPay. According to "Demands of medium and small businesses compensation system made by Gansu Branch", medium and small businesses compensation system was developed and was successfully online. Medium and small businesses compensation system mainly achieved two functional modules, namely, Approval of Leading-in and Conformity of Medium and Small Businesses, and Calculation and Report File Production of Medium and Small Businesses Compensation. The system leads the information of medium and small businesses reported by all acquirers each month in, and takes the lead-in information of businesses that register in China UnionPay registration system and CUPS full pipeline as basic data to determine whether the reported medium and small businesses meet the compensation conditions throughout the system verification. For the businesses that meet the compensation conditions, by calculating the income of issuers’ poundage and acquirers’poundage, the income of issuers’ poundage is given to acquirers as compensation, and till the income of acquirers’ and issuers’ poundage achieves the cost of machine and tool, the compensation is stopped. In the end, "monthly report file of the multi-bank transaction poundage share statistics of acquirers’ medium and small businesses", "monthly report file of compensation of medium and small businesses in Gansu Province", "File of Fund Balance of Medium and Small Businesses" and so on are produced.