The invention provides a business information processing method based on a bank card, as well as a device and a system thereof. The method adopts the following steps: receiving a business circle joining request sent by a business unit, and joining the business unit into the selected business circle; receiving a business circle selection request sent by a bank card user, and establishing binding relation between the bank card and the selected business circle; receiving a bank card capital transaction request sent by the business unit, and judging whether the bank card has a binding relation with the business circle the business unit joins in. If the binding relation exists, the transaction request is processed according to the preferential strategy of the business unit, and if the binding relation does not exist, the transaction request is processed as an ordinary transaction. The method is suitable for various cards and various business units, is favorable for cultivating, locking and maintaining high grade customer groups by the business units and the banks, can promote the universality and the integration of the member cards and the VIP cards of the business units and the co-branded cards of the banks, and can practically raise the service level of the banks to card holders.