CN101763693A - Method and device for realizing account checking of payment service - Google Patents
Method and device for realizing account checking of payment service Download PDFInfo
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- CN101763693A CN101763693A CN200910243452A CN200910243452A CN101763693A CN 101763693 A CN101763693 A CN 101763693A CN 200910243452 A CN200910243452 A CN 200910243452A CN 200910243452 A CN200910243452 A CN 200910243452A CN 101763693 A CN101763693 A CN 101763693A
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- 230000008569 process Effects 0.000 description 7
- 230000006870 function Effects 0.000 description 4
- 230000011664 signaling Effects 0.000 description 2
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Abstract
The invention relates to a method and a device for realizing account checking of payment service, wherein the method comprises that: a terminal transmits service ledger information of automatic payment service in a preset time period to an operator system; the operator system compares the service ledger information with transaction ledger information in a preset time period stored locally, and transmits the comparison result to the terminal; if the comparison result received by the terminal indicates that the service ledger information is not equal to the transaction ledger information, then the terminal transmits service ledger detailed information during the preset time period to the operator system through an interface message. The method and the device for realizing account checking of payment service realize account checking of the service ledger information of self-help payment service processed by the terminal and the transaction ledger information in the operator system, as the terminal does not carry out information interaction with the bank system, thereby realizing to reduce the upgrading cost of the bank system under the condition that upgrading transformation is not carried out to all bank systems.
Description
Technical field
The present invention relates to field of telecommunications, relate in particular to a kind of method and device of realizing the fee payment service reconciliation.
Background technology
Along with the development of telecommunications industry, ATM (Automatic Teller Machine) (Automatic Teller Machine, be called for short: rise by novel value-added service ATM).ATM except have basic deposit and withdraw, inquire about and the function of transferring accounts, can also realize the function that miscellaneous service is paid the fees, the application of ATM has related to fields such as commerce, telecommunications, oil and aviation.For instance, the user can act on behalf of sell tickets, train ticket, arenas show ticket, lottery ticket and various businessmans promotional card on ATM, even can the audition down-load music.Because ATM terminal deployment amount is very big, so the user can carry out the self-help charging business easily on ATM.After the user uses ATM to carry out the self-help charging operation,, also need to carry out the operation of reconciliation between ATM and the business system in order to prevent in paying process, to go wrong.
At present, because ATM provides the business of reconciliation function to only limit to banking system inside, and backstage reconciliation mode is in batches adopted in the reconciliation between banking system and the business system, and when reconciliation occurring not at ordinary times, banking system is sought concrete accident point needs the time longer; And, because the reconciliation of business system and bank's external business is finished by banking system, therefore need two interfaces be set at ATM and banking system, banking system and business system, and it is bigger to the banking system upgrading that two interfaces are set, under each banking system standard situation inequality, upgrade cost is higher.
Summary of the invention
The object of the present invention is to provide a kind of method and device of realizing the fee payment service reconciliation, under the situation of banking system not being carried out upgrading, realize the reconciliation operation of business system and bank's external business, reduce the upgrade cost of banking system.
The invention provides a kind of method that realizes the fee payment service reconciliation, comprising:
The professional general ledger information that terminal will be set the self-help charging business in the period sends to business system;
Described business system compares the transaction general ledger information during this setting period of described professional general ledger information with local storage, and comparative result is returned to described terminal;
If the comparative result that described terminal receives is represented described professional general ledger information and described transaction general ledger information injustice, then described terminal will be set the professional general ledger managing detailed catalogue that is carried out in the period and be sent to described business system by interface packets.
The present invention also provides a kind of device of realizing the fee payment service reconciliation, comprising:
First sending module, the professional general ledger information that is used for setting the self-help charging business in the period sends to business system;
Receiver module is used for receiving the comparative result that described business system returns after described business system compares described professional general ledger information and local transaction general ledger information in this setting period of storing;
Second sending module, be used for if the comparative result that described terminal receives is represented described professional general ledger information and described transaction general ledger information injustice, then described terminal will be set the professional general ledger managing detailed catalogue that is carried out in the period and be sent to described business system by interface packets.
The method and the device of the reconciliation of above-mentioned realization fee payment service, directly carry out alternately by terminal and business system, realization is carried out reconciliation to the professional general ledger information of the self-help charging business of terminal processes and the transaction general ledger information of business system, because terminal is not carried out information interaction with banking system, therefore realized each banking system not being carried out having reduced the upgrade cost of banking system under the situation of upgrading.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art, to do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below, apparently, accompanying drawing in describing below only is some embodiments of the present invention, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 realizes the schematic flow sheet of an embodiment of method of fee payment service reconciliation for the present invention;
Fig. 2 realizes the schematic flow sheet of another embodiment of method of fee payment service reconciliation for the present invention;
Fig. 3 realizes the signaling process figure of an embodiment of method of fee payment service reconciliation for the present invention;
Fig. 4 realizes the structural representation of an embodiment of device of fee payment service reconciliation for the present invention;
Fig. 5 is the structural representation of the transaction processing system that the embodiment of the invention was suitable for.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the invention, the technical scheme in the embodiment of the invention is clearly and completely described, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making the every other embodiment that is obtained under the creative work prerequisite.
Fig. 1 realizes the schematic flow sheet of an embodiment of method of fee payment service reconciliation for the present invention, in the embodiment of the invention, terminal can for banking system to related ATM terminal, as shown in Figure 1, present embodiment specifically comprises the steps:
The professional general ledger information that step 101, terminal will be set the self-help charging business in the period sends to business system;
The method of the realization fee payment service reconciliation that the embodiment of the invention provides, directly carry out alternately by terminal and business system, realization is carried out reconciliation to the professional general ledger information of the self-help charging business of terminal processes and the transaction general ledger information of business system, because terminal is not carried out information interaction with banking system, therefore realized each banking system not being carried out having reduced the upgrade cost of banking system under the situation of upgrading.
Fig. 2 realizes the schematic flow sheet of another embodiment of method of fee payment service reconciliation for the present invention, and the terminal in the embodiment of the invention is specifically as follows the ATM terminal; As shown in Figure 2, present embodiment specifically comprises the steps:
The professional general ledger information that step 201, terminal will be set the self-help charging business in the period sends to business system;
Wherein, set the period specifically can be provided with according to banking system and business system actual conditions, for example: with the setting period is to carry out reconciliation in one day; The self-help charging business is specifically as follows bill payment that the terminal user undertakies by the ATM terminal, buys the business such as rechargeable card of business system distribution on behalf; Professional general ledger information is specifically as follows the ATM terminal in the fee payment service type that ought in a few days carry out and the corresponding cost information of this fee payment service type.
Wherein, when comparing, can be to set the total charge check every class transaction and transaction always than number;
Wherein, error message specifically can comprise: because the error message that dealing money causes, professional than miscounting false information etc.;
Wherein, business system can send to banking system with wrong account information by existing message format, is implemented on the basis that makes full use of existing network and need not carries out upgrading to banking system, reduces the upgrade cost of banking system.
The method of the realization fee payment service reconciliation that the embodiment of the invention provides, directly carry out alternately by terminal and business system, realization is carried out reconciliation to the professional general ledger information of the self-help charging business of terminal processes and the transaction general ledger information of business system, because terminal is not carried out information interaction with banking system, therefore realized each banking system not being carried out having reduced the upgrade cost of banking system under the situation of upgrading.
Fig. 3 realizes the signaling process figure of an embodiment of method of fee payment service reconciliation for the present invention, as shown in Figure 3, the ATM terminal mainly comprises the software and hardware of ATM, and its software section need be developed at the demand of business system, and is integrated in the existing software systems of ATM; Business system comprises operation front end system and operation support system, the type of service that the operation front end system is initiated according to the ATM terminal is carried out the coupling of message forwards and message message format, and operation support system mainly is responsible for operator's internal user management and business support; Banking system comprises P end and background system, and the forwarding of message message between the front end system is realized and runed to the P end, and background system carries out financial management.Present embodiment may further comprise the steps:
The professional general ledger information that step 301, ATM terminal will be set the self-help charging business in the period sends to the operation support system of business system by the operation front end system of business system;
The operation support system of step 302, business system compares the transaction general ledger information of professional general ledger information with the carrying out in this setting period of local storage, and comparative result is returned to the ATM terminal by the operation front end system;
Step 303, if the comparative result that receives of ATM terminal is represented professional general ledger information and transaction general ledger information injustice, then the ATM terminal will be set the professional general ledger managing detailed catalogue that is carried out in the period and be sent to operation support system, execution in step 304 by the operation front end system; If it is identical with transaction general ledger information that the comparative result that the ATM terminal receives is represented professional general ledger information, then the ATM terminal sends the reconciliation object information to the P end by banking system to background system, what make background system carries out financial management according to the reconciliation object information to terminal, and the shut-down operation of ATM terminal;
The operation support system of step 304, business system compares professional general ledger managing detailed catalogue and the corresponding transaction general ledger of transaction general ledger information managing detailed catalogue, obtains wrong account information;
The method of the realization fee payment service reconciliation that the embodiment of the invention provides, directly carry out alternately by terminal and business system, realization is carried out reconciliation to the professional general ledger information of the self-help charging business of terminal processes and the transaction general ledger information of business system, because terminal is not carried out information interaction with banking system, therefore realized each banking system not being carried out having reduced the upgrade cost of banking system under the situation of upgrading.
Fig. 4 realizes the structural representation of an embodiment of device of fee payment service reconciliation for the present invention, and as shown in Figure 4, the embodiment of the invention comprises: first sending module 41, receiver module 42, second sending module 43.
Wherein, the first sending module 41 professional general ledger information that will set the self-help charging business in the period sends to business system; Receiver module 42 receives the comparative result that described business system returns after described business system compares described professional general ledger information and local transaction general ledger information in this setting period of storing; If the comparative result that described terminal receives is represented described professional general ledger information and described transaction general ledger information injustice, then second sending module 43 will be set the professional general ledger managing detailed catalogue that is carried out in the period and be sent to described business system by interface packets.
The device of the realization fee payment service reconciliation that present embodiment provides, directly carry out alternately with business system by first sending module 41, receiver module 42, second sending module 43, realization is carried out reconciliation to the professional general ledger information of the self-help charging business of processing and the transaction general ledger information of business system, because the device of the realization fee payment service reconciliation in the embodiment of the invention does not carry out information interaction with banking system, therefore realized each banking system not being carried out having reduced the upgrade cost of banking system under the situation of upgrading.
Further, on above-mentioned basis embodiment illustrated in fig. 4, can also comprise: the 3rd sending module; Wherein, if the comparative result that described terminal receives represents that described professional general ledger information is identical with described transaction general ledger information, then the 3rd sending module sends the reconciliation object information to banking system, makes described banking system carry out financial management according to described reconciliation object information to described terminal.
Fig. 5 is the structural representation of the transaction processing system that the embodiment of the invention was suitable for, and the embodiment of the invention can realize above-mentioned Fig. 1～flow process shown in Figure 3.
As shown in Figure 5, this transaction processing system comprises: ATM terminal 10, business system 11 and banking system 12.Further, ATM terminal 10 is provided with and carries out reconciliation professional operated Message Processing and message explanation function; Business system 11 comprises: operation support system 14 and operation front end system 15, operation support system 14 main operator's internal user management and the business support be responsible for, operation front end system 15 main being responsible for are carried out forwards according to the type of service that ATM terminal 10 is initiated, and message format is resolved; Banking system 12 comprises: P end 16 and background system 17, P end 16 is main is responsible for the identification of the mutual information of background systems 17 and ATM terminal 10, and the identification of the mutual information of banking system 12 and business system 11, and carry out the forwarding of message according to message header, background system 17 comprises the sorts of systems of bank inside, account information is managed, for example bank electronic reconciliation system.
Because ATM terminal 10 is connected with business system 11, business system 11 is connected with the P end 16 of banking system 12 by operation front end system 15, ATM terminal 10 is connected with background system 17 by P end 16, need be when business system 11 sends professional general ledger information in the ATM terminal, the information that 15 pairs of ATM terminals of operation front end system 10 send is discerned, and obtains professional general ledger information; The information that 16 pairs of ATM terminals of the P of banking system 12 end 10 send is discerned, if discovery information belongs to the interactive information between ATM terminal 10 and the banking system 12, then P holds 16 information is transmitted to background system 17.
Further, ATM terminal 10 mainly comprises the software and hardware of ATM, and its software section need be developed at the demand of operator, and is integrated in the existing software systems of ATM.
Native system can also comprise system of Unionpay 13, and system of Unionpay 13 and other banks carry out business interaction, finishes payment to the account of other banks by system of Unionpay 13.
Further, ATM terminal 10 directly is connected with operation support system 14, can adopt the data channel between related data communication modes (DDN, ADSL, WCDMA) foundation and the business system 11; Because ATM terminal 10 sends to business system 11 with professional general ledger information, in the process of carrying out reconciliation, do not carry out information interaction with banking system 12, therefore realized banking system 12 not being carried out under the situation of upgrading, reduced the upgrade cost of banking system 12.
One of ordinary skill in the art will appreciate that: all or part of step that realizes said method embodiment can be finished by the relevant hardware of programmed instruction, aforesaid program can be stored in the computer read/write memory medium, this program is when carrying out, execution comprises the step of said method embodiment, and aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CD.
It should be noted that at last: above embodiment only in order to technical scheme of the present invention to be described, is not intended to limit; Although with reference to previous embodiment the present invention is had been described in detail, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, and perhaps part technical characterictic wherein is equal to replacement; And these modifications or replacement do not make the essence of appropriate technical solution break away from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (6)
1. a method that realizes the fee payment service reconciliation is characterized in that, comprising:
The professional general ledger information that terminal will be set the self-help charging business in the period sends to business system;
Described business system compares the transaction general ledger information during this setting period of described professional general ledger information with local storage, and comparative result is returned to described terminal;
If the comparative result that receives of described terminal represents that described professional general ledger information and described transaction general ledger information are inequality, then described terminal will be set the interior professional general ledger managing detailed catalogue that is carried out of period and be sent to described business system by interface packets.
2. method according to claim 1 is characterized in that, also comprises:
If the comparative result that described terminal receives represents that described professional general ledger information is identical with described transaction general ledger information, then described terminal sends the reconciliation object information to banking system, makes described banking system carry out financial management according to described reconciliation object information to described terminal.
3. method according to claim 1 and 2 is characterized in that, described terminal will be set the professional general ledger managing detailed catalogue that is carried out in the period and also comprise after being sent to described business system by interface packets:
Described business system compares described professional general ledger managing detailed catalogue and the corresponding transaction general ledger of described transaction general ledger information managing detailed catalogue, obtains wrong account information.
4. method according to claim 3 is characterized in that, also comprises:
If there is mistake in the described transaction general ledger information of the described business system of described wrong account information representation, then described business system is corrected processing to described transaction general ledger information; If there is mistake in the described professional general ledger information that the described terminal of described wrong account information representation is obtained, then described business system sends to banking system with described wrong account information, and described banking system is corrected described professional general ledger information.
5. a device of realizing the fee payment service reconciliation is characterized in that, comprising:
First sending module, the professional general ledger information that is used for setting the self-help charging business in the period sends to business system;
Receiver module is used for receiving the comparative result that described business system returns after described business system compares described professional general ledger information and local transaction general ledger information in this setting period of storing;
Second sending module, be used for then will setting the professional general ledger managing detailed catalogue that is carried out in the period and being sent to described business system by interface packets if the comparative result that described terminal receives is represented described professional general ledger information and described transaction general ledger information injustice.
6. device according to claim 5 is characterized in that, also comprises:
The 3rd sending module, be used for if the comparative result that described terminal receives represents that described professional general ledger information is identical with described transaction general ledger information, then send the reconciliation object information, make described banking system carry out financial management to described terminal according to described reconciliation object information to banking system.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910243452A CN101763693A (en) | 2009-12-22 | 2009-12-22 | Method and device for realizing account checking of payment service |
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| Application Number | Priority Date | Filing Date | Title |
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| CN200910243452A CN101763693A (en) | 2009-12-22 | 2009-12-22 | Method and device for realizing account checking of payment service |
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| CN101763693A true CN101763693A (en) | 2010-06-30 |
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| CN200910243452A Pending CN101763693A (en) | 2009-12-22 | 2009-12-22 | Method and device for realizing account checking of payment service |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102592367A (en) * | 2011-01-18 | 2012-07-18 | 中国联合网络通信集团有限公司 | Processing method for telecommunication service payment and equipment and system for realizing same |
| CN106127567A (en) * | 2016-06-21 | 2016-11-16 | 国家电网公司 | Enterprise deposits journal account and the account checking method of cash in banks statement and system |
| CN106355784A (en) * | 2016-08-24 | 2017-01-25 | 南京紫津融畅信息科技服务有限公司 | Clearing and reconciliation method and system used for ATM equipment |
| CN107993137A (en) * | 2017-11-15 | 2018-05-04 | 浪潮金融信息技术有限公司 | Account checking method and device, computer-readable storage medium and terminal |
| CN108830702A (en) * | 2018-06-25 | 2018-11-16 | 东莞市东莞通股份有限公司 | A kind of public transport data reconciliation system |
| CN111640265A (en) * | 2016-01-08 | 2020-09-08 | 中国建设银行股份有限公司 | Method, system and equipment for positioning card retaining and account error of self-service equipment |
-
2009
- 2009-12-22 CN CN200910243452A patent/CN101763693A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102592367A (en) * | 2011-01-18 | 2012-07-18 | 中国联合网络通信集团有限公司 | Processing method for telecommunication service payment and equipment and system for realizing same |
| CN102592367B (en) * | 2011-01-18 | 2015-02-04 | 中国联合网络通信集团有限公司 | Processing method for telecommunication service payment and equipment and system for realizing same |
| CN111640265A (en) * | 2016-01-08 | 2020-09-08 | 中国建设银行股份有限公司 | Method, system and equipment for positioning card retaining and account error of self-service equipment |
| CN111640265B (en) * | 2016-01-08 | 2021-09-28 | 中国建设银行股份有限公司 | Method, system and equipment for positioning card retaining and account error of self-service equipment |
| CN106127567A (en) * | 2016-06-21 | 2016-11-16 | 国家电网公司 | Enterprise deposits journal account and the account checking method of cash in banks statement and system |
| CN106355784A (en) * | 2016-08-24 | 2017-01-25 | 南京紫津融畅信息科技服务有限公司 | Clearing and reconciliation method and system used for ATM equipment |
| CN106355784B (en) * | 2016-08-24 | 2019-02-19 | 南京紫津融畅信息科技服务有限公司 | A kind of clear account checking method and system for atm device |
| CN107993137A (en) * | 2017-11-15 | 2018-05-04 | 浪潮金融信息技术有限公司 | Account checking method and device, computer-readable storage medium and terminal |
| CN108830702A (en) * | 2018-06-25 | 2018-11-16 | 东莞市东莞通股份有限公司 | A kind of public transport data reconciliation system |
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Application publication date: 20100630 |