CN109246188A - A method of supporting the system traded by all kinds of means and by all kinds of means trading processing - Google Patents

A method of supporting the system traded by all kinds of means and by all kinds of means trading processing Download PDF

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Publication number
CN109246188A
CN109246188A CN201810880008.XA CN201810880008A CN109246188A CN 109246188 A CN109246188 A CN 109246188A CN 201810880008 A CN201810880008 A CN 201810880008A CN 109246188 A CN109246188 A CN 109246188A
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China
Prior art keywords
transaction
message
request message
bank
transaction request
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CN201810880008.XA
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Chinese (zh)
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CN109246188B (en
Inventor
吴裕
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Unionpay Marketing Data Services Ltd
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Unionpay Marketing Data Services Ltd
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Priority to CN201810880008.XA priority Critical patent/CN109246188B/en
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/56—Provisioning of proxy services
    • H04L67/565—Conversion or adaptation of application format or content
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L69/00—Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass
    • H04L69/08—Protocols for interworking; Protocol conversion
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L69/00—Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass
    • H04L69/18—Multiprotocol handlers, e.g. single devices capable of handling multiple protocols

Abstract

A kind of the invention discloses system for supporting the to trade by all kinds of means and by all kinds of means method of trading processing, the system includes: communication subsystem, service process subsystem, wherein, communication subsystem is connect with transaction channel, service process subsystem is connect with banking system, communication subsystem receives the transaction request message that transaction channel is sent, transaction request message is subjected to message format conversion according to the transaction business in transaction request message, transaction request message after service process subsystem converts message format is sent to banking system processing corresponding with the transaction business in transaction request message.The system can receive the transaction request information of multi-exchange channel, realize the connection of multi-exchange channel and banking system.

Description

A method of supporting the system traded by all kinds of means and by all kinds of means trading processing
Technical field
The present embodiments relate to computer data processing technology field more particularly to it is a kind of support to trade by all kinds of means be System and the by all kinds of means method of trading processing.
Background technique
The means of services of bank develop to current ATM (Automatic Teller by traditional sales counter Machine, ATM), point-of-sale terminal (Point Of Sale, POS), Mobile banking, integrated circuit (integrated Circuit, IC) post, Unionpay's transaction system etc., above-mentioned multi-exchange channel may need different communication protocol and bank Operation system docking, such as hypertext transfer protocol (Hyper Text Transport Protocol, HTTP), simple object Access protocol (Simple Object Access Protocol, SOAP), transmission control protocol (Transmission Control Protocol, TCP) etc., and the transaction request message format that transaction channel is sent is also variant, common message lattice Formula has f format, elongated format, separator, 8583 formats, field control language format, Ethernet protocol message format etc..
It is therefore desirable to which a kind of system that can be compatible with multi-exchange channel, the transaction for receiving multi-exchange channel are asked Information is sought, to realize the connection of multi-exchange channel and banking system.
Summary of the invention
The embodiment of the present invention provides a kind of system for supporting to trade by all kinds of means and the by all kinds of means method of trading processing, receives more The transaction request information of kind transaction channel, for realizing the connection of multi-exchange channel and banking system.
A kind of system for supporting to trade by all kinds of means provided in an embodiment of the present invention, comprising: communication subsystem, business processing System；The communication subsystem is connect with transaction channel, and the service process subsystem is connect with banking system；
The communication subsystem receives the transaction request message that the transaction channel is sent, according to the transaction request message In transaction business by the transaction request message carry out message format conversion；
Transaction request message after the service process subsystem converts message format is sent to and the transaction request The processing of banking system corresponding to transaction business in message.
In above-described embodiment, communication subsystem receives the transaction request message that different transaction channels are sent, according to the transaction The corresponding transaction business of request message formats the message format of the transaction request message according to its transaction business, And the transaction request message after conversion is sent to by corresponding banking system by service process subsystem.
Optionally, the communication subsystem includes communication interface module and message conversion module；The communication interface module It is connect with the transaction channel, the transaction request message sent for receiving the transaction channel, the message conversion module is used In by the transaction request message carry out message format conversion.
In above-described embodiment, communication interface module supports multiple kinds, the friendship sent for receiving each transaction channel Easy request message；According to banking system corresponding to transaction business in transaction request message, message conversion module will be received The transaction request message arrived carries out message format conversion, that is, is converted into the message format that corresponding banking system can parse.
Optionally, the transaction channel is ATM/POS；The banking system includes the loan of Unionpay's system, each bank Remember the debit card system of card system, each bank；
The communication subsystem receives the transaction request message that the ATM/POS is sent by Transmission Control Protocol, judges transaction silver Whether the issuing bank of row card and bank belonging to the ATM/POS are same bank, if so, determining the transaction request When transaction business in message is debit card business, the message format of the transaction request message is converted to and the transaction silver The compatible message format of debit card system of the issuing bank of row card；
Otherwise, the message format of the transaction request message is converted into message lattice compatible with Unionpay's system Formula.
It further include that the communication subsystem is determining that the transaction business in the transaction request message is credit card business When, the message format of the transaction request message is converted into the credit card system phase with the issuing bank of the transaction bank card The message format of adaptation.
In above-described embodiment, transaction channel can be ATM/POS, in the transaction request message for receiving ATM/POS transmission When, can first judge transaction bank card issuing bank and ATM/POS belonging to bank whether be same bank, then judge again Transaction business in transaction request message is debit card business or credit card business, for different transaction request messages or is directed to Different banking systems converts the message format of transaction request message.
Optionally, the system also includes platform software function library (Intel Integrated Performance Primitives, IPP)；
The transaction channel is the corresponding mobile terminal of Mobile banking/integrated circuit IC card post；The communication subsystem System is connected by IPP mobile terminal corresponding with the Mobile banking/IC card post.
In above-described embodiment, IPP can receive the transaction that the corresponding mobile terminal of Mobile banking/IC card post is sent and ask Message is sought, which is forwarded to communication subsystem, that is, communication subsystem can pass through IPP shifting corresponding with Mobile banking Dynamic terminal/IC card post connection.
Optionally, the transaction channel is the corresponding mobile terminal of Mobile banking；The banking system is each bank Credit card system；
The communication subsystem receives the corresponding mobile terminal of the Mobile banking of the IPP forwarding by Transmission Control Protocol The message format of the transaction request message is converted to bank corresponding with the Mobile banking by the transaction request message of transmission The compatible message format of credit card system.
In above-described embodiment, communication subsystem receives the transaction that the corresponding mobile terminal of Mobile banking is sent by IPP and asks Message is sought, the transaction business in the transaction request message corresponds to bank's credit card system, then communication subsystem is by the transaction request The format of message is converted into the format to match with bank credit card system.
Optionally, the transaction channel is IC card post；The banking system is the electronic cash account of each bank Family system；
The communication subsystem is asked by the transaction that the IC card post that Transmission Control Protocol receives the IPP forwarding is sent Message is sought, the message format of the transaction request message is converted into the electronic cash account with the affiliated bank of IC card post The compatible message format of family system.
In above-described embodiment, communication subsystem receives the transaction request message that IC card post is sent, the transaction by IPP Transaction business in request message corresponds to electronic cash Accounting system, then communication subsystem turns the format of the transaction request message Change format compatible with electronic cash Accounting system into.
Optionally, the transaction channel is Unionpay's transaction system；The banking system includes the debit card of each bank System, the credit card system of each bank；
The communication subsystem receives the transaction request message that Unionpay's transaction system is sent by http protocol, true When transaction business in the fixed transaction request message is debit card business, the message format of the transaction request message is converted For message format compatible with the debit card system of issuing bank of the transaction bank card；
The communication subsystem receives the transaction request message that Unionpay's transaction system is sent by http protocol, true When transaction business in the fixed transaction request message is credit card business, the message format of the transaction request message is converted For message format compatible with the credit card system of issuing bank of the transaction bank card.
In above-described embodiment, communication subsystem receives the transaction request message that Unionpay's transaction system is sent, and first judges Unionpay The transaction business in transaction request message that transaction system is sent is debit card business or credit card business, according to different Banking system converts message format.
It optionally, further include data monitoring module and equipment management subsystem；
The data monitoring module includes transaction monitoring module, monitoring resource module, pre-alert notification module and monitoring rules Management module；The transaction process of the transaction monitoring module monitors system；The monitoring resource module monitors system hardware resources； The pre-alert notification module provides sound, color, plays frame, short message form early warning publication means；The monitoring rules management module Parametrization configuration is carried out to the monitoring rules of the transaction monitoring module, monitoring resource module, pre-alert notification module；
The equipment management subsystem includes device management module, key management module, SOT state of termination monitoring module and shows Golden management module；The device management module to the corresponding transaction terminal of the transaction channel carry out transaction control and network it Between agreement (Internet Protocol, IP) address check for interconnecting；The key management module is corresponding to the transaction channel Transaction terminal distribution management key；State of the SOT state of termination monitoring module to the corresponding transaction terminal of the transaction channel It is monitored management；The cash management module cooperation ATM paper money case carries out cash management.
In above-described embodiment, data monitoring module and equipment management subsystem are provided, which includes handing over Easy monitoring module, monitoring resource module, pre-alert notification module and monitoring rules management module, the equipment management subsystem include setting Standby management module, key management module, SOT state of termination monitoring module and cash management module, the two is for ensureing transaction business It operates normally and timely early warning.
Correspondingly, the embodiment of the invention also provides a kind of methods of trading processing by all kinds of means, comprising:
The transaction request message that transaction channel is sent is received, it will be described according to the transaction business in the transaction request message Transaction request message carries out message format conversion；
Transaction request message after message format is converted is sent to and the transaction business institute in the transaction request message Corresponding banking system processing.
Optionally, the transaction channel is ATM/POS；The banking system includes the loan of Unionpay's system, each bank Remember the debit card system of card system, each bank；
The transaction request message for receiving transaction channel and sending, will according to the transaction business in the transaction request message The transaction request message carries out message format conversion, comprising:
The transaction request message that the ATM/POS is sent is received by Transmission Control Protocol, judges the issuing bank of transaction bank card It whether is same bank with bank belonging to the ATM/POS, if so, determining the transaction industry in the transaction request message When business is debit card business, the message format of the transaction request message is converted into the issuing bank with the transaction bank card The compatible message format of debit card system；
Otherwise, the message format of the transaction request message is converted into message lattice compatible with Unionpay's system Formula.
Optionally, further includes:
When determining the transaction business in the transaction request message is credit card business, by the transaction request message Message format is converted to message format compatible with the credit card system of issuing bank of the transaction bank card.
Optionally, the transaction channel is the corresponding mobile terminal of Mobile banking；The banking system is each bank Credit card system；
The transaction request message for receiving transaction channel and sending, will according to the transaction business in the transaction request message The transaction request message carries out message format conversion, comprising:
The transaction request sent by the corresponding mobile terminal of the Mobile banking that Transmission Control Protocol receives the IPP forwarding The message format of the transaction request message is converted to the credit card system phase of bank corresponding with the Mobile banking by message The message format of adaptation.
Optionally, the transaction channel is IC card post；The banking system is the electronic cash account of each bank Family system；
The transaction request message for receiving transaction channel and sending, will according to the transaction business in the transaction request message The transaction request message carries out message format conversion, comprising:
The transaction request message sent by the IC card post that Transmission Control Protocol receives the IPP forwarding, by the friendship The message format of easy request message is converted to compatible with the electronic cash Accounting system of the affiliated bank of IC card post Message format.
Optionally, the transaction channel is Unionpay's transaction system；The banking system includes the debit card of each bank System, the credit card system of each bank；
The transaction request message for receiving transaction channel and sending, will according to the transaction business in the transaction request message The transaction request message carries out message format conversion, comprising:
The transaction request message that Unionpay's transaction system is sent is received by http protocol, is determining the transaction request When transaction business in message is debit card business, the message format of the transaction request message is converted to and the transaction silver The compatible message format of debit card system of the issuing bank of row card；
The transaction request message that Unionpay's transaction system is sent is received by http protocol, is determining the transaction request When transaction business in message is credit card business, the message format of the transaction request message is converted to and the transaction silver The compatible message format of credit card system of the issuing bank of row card.
Correspondingly, the embodiment of the invention also provides a kind of calculating equipment, comprising:
Memory, for storing program instruction；
Processor executes above-mentioned more canals according to the program of acquisition for calling the program instruction stored in the memory The method of road trading processing.
Correspondingly, the embodiment of the invention also provides a kind of computer-readable non-volatile memory medium, including computer Readable instruction is traded when computer is read and executes the computer-readable instruction so that computer execution is above-mentioned by all kinds of means The method of processing.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment Attached drawing is briefly introduced, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this For the those of ordinary skill in field, without creative efforts, it can also be obtained according to these attached drawings other Attached drawing.
Fig. 1 is a kind of schematic diagram for the system structure for supporting to trade by all kinds of means provided in an embodiment of the present invention；
Fig. 2 is a kind of structural schematic diagram of communication subsystem provided in an embodiment of the present invention；
Fig. 3 is a kind of structural schematic diagram of data monitoring module provided in an embodiment of the present invention；
Fig. 4 is a kind of structural schematic diagram of equipment management subsystem provided in an embodiment of the present invention；
Fig. 5 is a kind of architectural schematic of operation platform of trading provided in an embodiment of the present invention；
Fig. 6 is a kind of flow diagram of method of trading processing by all kinds of means provided in an embodiment of the present invention；
Fig. 7 is the flow diagram that a kind of transaction channel provided in an embodiment of the present invention is ATM；
Fig. 8 is the process signal that a kind of transaction channel provided in an embodiment of the present invention is the corresponding mobile terminal of Mobile banking Figure.
Specific embodiment
To make the objectives, technical solutions, and advantages of the present invention clearer, below in conjunction with attached drawing to the present invention make into It is described in detail to one step, it is clear that described embodiments are only a part of the embodiments of the present invention, rather than whole implementation Example.Based on the embodiments of the present invention, obtained by those of ordinary skill in the art without making creative efforts All other embodiment, shall fall within the protection scope of the present invention.
Fig. 1 shows a kind of system 100 for supporting to trade by all kinds of means provided in an embodiment of the present invention, including communication subsystem 101, service process subsystem 102, communication subsystem 101 are connect with transaction channel 200, service process subsystem 102 and bank Operation system 300 connects.
Communication subsystem 101 receives the transaction request message that transaction channel 200 is sent, according to the friendship in transaction request message Transaction request message is carried out message format conversion by easy business.Service process subsystem 102 message format is converted after transaction Request message is sent to be handled with banking system 300 corresponding to the transaction business in transaction request message.
As shown in Fig. 2, communication subsystem 101 includes communication interface module 1011 and message conversion module 1012, communication is connect Mouth mold block 101 is connect with transaction channel 200, for receiving the transaction request message of the transmission of transaction channel 200, message conversion module Transaction request message is carried out message format conversion by 1012, i.e., according to the transaction business in transaction request message by transaction request report The format of text is converted to the format that banking system 300 corresponding with its requested service is adapted to.
Wherein, which can support http protocol, soap protocol, Transmission Control Protocol etc., message conversion Module 1012 can be by f format, elongated format, separator, 8583 formats, field control language format, Ethernet protocol report Literary format etc. is converted to extensible markup language (Extensible Markup Language, XML) format.
In other words, communication subsystem 101 may include communication component and resolution component, and the communication component is each for connecting Transaction channel receives the transaction request message that each transaction channel is sent, specific as shown in table 1；The resolution component is used for message Format is converted to its corresponding analysable message format of banking system, specific as shown in table 2.
Table 1
Table 2
Transaction channel 200 may include the corresponding mobile terminal 201 of Mobile banking, IC post 202, ATM/POS 203, Unionpay's transaction system 204 etc., different transaction channels 200 can all be assisted when connecting with communication subsystem 101 by different transmission View sends the message of different-format, while banking system 300 may include the credit card system of Unionpay's system 301, each bank System 302, the debit card system 303 of each bank, each bank electronic cash Accounting system 304, different bank and different bank The message format that can receive of operation system there is also differences, so the needs of communication subsystem 101 ask the transaction received The message format of message is asked to be converted into corresponding banking system according to the transaction business in the transaction request message 300 analysable message formats.
When the transaction request message lattice that transaction channel 200 is ATM or when transaction channel 200 is POS, and ATM or POS are sent Formula and the communications protocol of use are consistent, therefore are ATM or POS as one embodiment for transaction channel 200 and illustrate.Work as transaction When channel 200 is ATM/POS 203, corresponding banking system 300 includes the credit card system of Unionpay's system 301, each bank Transaction business in system 302, the debit card system 303 of each bank, that is, the transaction request message that sends of ATM/POS 203 is Request Unionpay's system 301, the credit card system 302 of each bank, each bank debit card system 303 banking.
Specifically, communication subsystem 101 receives the transaction request message that ATM/POS 203 is sent, the friendship by Transmission Control Protocol Easy request message is 8583 messages that ATM/POS 203 is sent, and communication subsystem 101 first determines whether the hair fastener silver of transaction bank card Whether bank belonging to capable and ATM/POS 203 is same bank, next judges that the transaction request is still borrowed for debit card business Remember card business.
When communication subsystem 101 judges the issuing bank of transaction bank card and bank belonging to ATM/POS 203 to be same Bank, then when determining the transaction business in transaction request message is debit card business, by the message format of transaction request message Message format compatible with the debit card system 303 of the issuing bank of transaction bank card is converted to, is equivalent to ATM/POS 203 8583 messages sent are converted to message compatible with the debit card system 303 of the issuing bank of transaction bank card, this turn Message after changing can be the XML message of debit card system 303.
For example, the debit card that user holds Bank of China goes the ATM 203 of Bank of China to withdraw cash, communication subsystem 101 is true After the issuing bank of the debit card and the affiliated bank of the ATM 203 are the same bank calmly, which can be sent 8583 messages be converted to Bank of China debit card system 303 XML message.In addition, the received transaction of communication subsystem 101 When transaction business in request message is credit card business, then the message format of transaction request message is converted to and transaction bank The compatible message format of credit card system 302 of the issuing bank of card, is equivalent to 8583 messages for sending ATM/POS 203 Message compatible with the credit card system 303 of the issuing bank of transaction bank card is converted to, the message after the conversion can be The fixed length message of credit card system 303.
When communication subsystem 101 judges that the issuing bank of transaction bank card and bank belonging to ATM/POS 203 are not same One bank, then the ATM/POS 203 is connect by Unionpay's system 301 with the issuing bank of the transaction bank card, that is, is communicated The message format of transaction request message is converted to message format compatible with Unionpay's system 301 by subsystem 101, be equivalent to by 8583 messages that ATM/POS203 is sent convert compatible with Unionpay's system message, which can be Unionpay 8583 messages.
After communication subsystem 101 converts message format, service process subsystem 102 message format is converted after friendship Easy request message is sent to banking system 300 corresponding with the transaction business in transaction request message and handles, according to upper Different transaction business or banking system 300 are stated, specific as follows:
The XML message of debit card system 303 is sent to transaction bank card by soap protocol by service process subsystem 102 Issuing bank debit card system 303；
The fixed length message of credit card system 302 is sent to transaction bank card by Transmission Control Protocol by service process subsystem 102 Issuing bank credit card system 302；
8583 message of Unionpay of Unionpay's system 301 is sent to Unionpay's system by Transmission Control Protocol by service process subsystem 102 301。
Optionally, the transaction request message that POS 203 is sent includes protocol Data Unit (Transport Protocol Data Unit, TPDU), heading and apply data three parts, as shown in table 3.
Table 3
TPDU explanation: length is 5 bytes.
Heading explanation: total length is 12 bytes, when compression with binary code decimal number (Binary-Coded Decimal, BCD) code table is shown as the numerical value of 6 byte lengths.
In the transaction request message sent on POS 203, which is sent in packing by the end application of POS 203 When according to 203 terminal parameter of POS and current state filling applicating category, software version number and the SOT state of termination, be used for the center POS It is performed corresponding processing according to numerical value.
In the response message that the center POS returns, processing requirement is inserted by the center POS, other domains keep initial value to return, POS will carry out respective handling according to the processing requirement received in heading.
Heading value is as follows:
Applicating category definition: only defining magnetic stripe card financial payment class at present and applying is 60.
Software version number is as shown in table 4, and the SOT state of termination is as shown in table 5, and processing requirement is as shown in table 6.
Retain and use: not having to temporarily, fills out complete " 0 ".
Table 4
Table 5
The SOT state of termination Meaning
0 Arm's length dealing state
1 Test transaction state
Table 6
Processing requirement coding Processing requirement explanation
0 Non-treated requirement
1 Lower transmission terminal parameter
2 Upload terminal's status information
3 Again it registers
Illustrate using data: being to meet International Organization for standardization (International Organization using data For Standardization, ISO) 8583 financial exchange information formats transaction data, detailed description see " Unionpay data POS Terminal message interface specification ".
Optionally, the transaction request message that ATM 203 is sent includes: heading, type of message identifier, bitmap and message Domain.Its structure is as shown in table 7.
Table 7
Heading Type of message mark Bitmap Message domain
Wherein, message total length is first data element of message.Message total length and heading, type of message mark Know, one piece of bitmap and message domain constitute a complete message.
Heading is first data element of message.Heading and type of message mark, bitmap and one piece of message domain group At a complete message.
Type of message mark is second data element of message, is the definition of highest level type of message, defines message Generality classification, for example be financial class message or management class message.Type of message identifier length is four bytes.Each report Text has required type of message identifier.
Which message domain of bitmap definition will appear in messages.Bit map area includes two bitmaps.One domain 2 of bitmap arrives Domain 64, two domain 65 of bitmap arrive domain 128.
Message domain constitutes the main body of message, and wherein most is defined by ISO8583, and other domains are by China Unionpay's system (China Unionpay System, CUPS) is customized and uses.
For ATM 203 send transaction request message in heading, the numerical value by ATM 203 end application Applicating category, specification version number and the SOT state of termination are inserted according to the terminal parameter of ATM 203 and current state when sending in packing, It is performed corresponding processing according to numerical value for ATM to be preposition.
In the preposition processing response message of ATM 203 and ATM, heading keeps initial value to return.Table 8 is the specific of heading Composition, accounts for 16 bytes altogether.
Table 8
Message total length Applicating category Specification version number The SOT state of termination Retain and uses
N4 n2 n2 n1 n7
Message total length is first element of heading, indicates the length of entire message, which is 4 bytes.
Applicating category is second element of heading, indicates the type of message of heel, and length is 2 bytes, accesses mould Root tuber determines to route according to the domain.Occurrence definition is as shown in table 9.
Table 9
Specification version number is the third element of heading, indicates the message using which kind of specification, length is 2 bytes. Occurrence defines shown in table 10.
Table 10
Value Meaning
01 China Unionpay's ATM application specification version in 2003
The SOT state of termination is the 4th element of heading, indicates the stateful transaction that the message indicates, length is 1 byte. Occurrence defines shown in table 11.
Table 11
Value Meaning
0 Arm's length dealing state
1 Test transaction state
Retain using the 5th element for being heading, wouldn't use, default is filled out as " 0 ", and length is 7 bytes.
The bitmap in transaction request message sent for ATM 203, the length of transmitting message is variation in a network, Come in identification message to have which domain without which domain with bitmap in message.There can be one or two position in one message Figure, determines bitmap quantity according to type of transaction.
(1) first bitmap
Each message has first bitmap, i.e. status of a sovereign figure.It is made of, position 64 binary digits (8 bytes) After type of message identifier.In addition to first, each is corresponding with a domain, i.e., corresponding to domain 64 with domain 2.Every Value indicate whether the domain occurs in messages:
If a position is 0, associated domain is not present in message.
If a position is 1, associated domain occurs in messages.
It is second bitmap that domain number, which is 1 domain, thus first of basic bitmap be used to indicate after status of a sovereign figure whether There are also second bitmaps.
(2) second bitmaps
Whether first of status of a sovereign figure has second bitmap-bitmap two after specifying status of a sovereign figure.It is identical with status of a sovereign figure, position Figure two is also made of 64 binary digits (eight bytes).It is considered that bitmap second is that status of a sovereign figure 65 to 128 phase of extension and domain It closes.
Only when including domain 65 to the domain in domain 128 in message, bitmap two just be will use.The and then status of a sovereign of bitmap two Figure, and before message domain.Each is corresponding with a domain, i.e., corresponding to domain 128 with domain 65.Every value indicates the domain Whether occur in messages:
If a position is 0, associated domain is not present in message.
If a position is 1, associated domain occurs in messages.
Further, the present embodiment is described in detail the generation of heading and its usage in each domain." b " table in description Show bit；" n " indicates ten's digit.In addition, all digital codings are all made of ASCII coding mode in the present embodiment.
In binary representation, the bit for coming the left side is high position bit, and the bit for coming the right is low level bit.
Heading and one piece of type of message identifier, bitmap and message domain constitute a complete message.Standard message The length of head is fixed, and is made of 9 domains.
The ISO8583 message that bank is sent to transaction system all has this heading, and all domains are all that must fill out domain, specifically As shown in table 12.
Table 12
Domain Domain name Length (unit: Byte)
Field1 Head length (Header Length) 1
Field2 Leader knows and version number (Header Flag and Version) 1
Field3 Entire message length (Total Message Length) 4
Field4 Purpose ID (Destination ID) 11
Field5 Source ID (Source ID) 11
Field6 Message status identifies (Message Status Flags) 3
Field7 Batch number (Batch Number) 1
Field8 Retain and uses (Reserved for Use) 8
Field9 User information (User Info) 1
This heading accounts for 41 bytes altogether.
When transaction system receives a request message, which must include the message constructed according to message data Head；Unionpay's data card sending system saves some information in heading, to return to sender when response.These must The domain that must be saved has 4,5,6,7,8 and 9.
The meaning in each domain of heading is as shown in table 13.
Table 13
Domain name Domain meaning
Attribute The length and format of message header field
Description The possibility content of message header field and definition
Usage It is useful some specifically limited in the treatment process to message header field
Remarks Other explanations
Domain editing value Value range and the value rule of message header field
Further, which can also include IPP 103, for being the corresponding shifting of Mobile banking when transaction channel 200 When dynamic terminal/IC card post, communication subsystem 101 can pass through the mobile terminal/IC card corresponding with Mobile banking of IPP 103 Post connection.
When the mobile terminal 201 corresponding for Mobile banking of transaction channel 200, communication subsystem 101 is connect by Transmission Control Protocol The transaction request message that the corresponding mobile terminal 201 of Mobile banking that IPP 103 is forwarded is sent is received, by the transaction request message Message format is converted to the compatible message format of credit card system 303 of bank corresponding with Mobile banking.Specifically, the friendship Easy request message is the message for credit card repayment request that mobile terminal 201 issues, and can be determined as credit card repayment The fixed length message of transaction, communication subsystem 101 convert the fixed length message that the credit card repayment is traded to corresponding with Mobile banking Bank the compatible message of credit card system 302, which can be the fixed length report of credit card system 302 Text.After communication subsystem 101 converts message format, service process subsystem 102 is by the fixed length message of credit card system 302 The credit card system 302 of the issuing bank of transaction bank card is sent to by Transmission Control Protocol.
When transaction channel 200 is IC card post 202, communication subsystem 101 receives 103 turns of IPP by Transmission Control Protocol The transaction request message that the IC card post 202 of hair is sent, the message format of the transaction request message is converted to and IC card cabinet The compatible message format of electronic cash Accounting system 304 of the affiliated bank of platform machine.Specifically, the transaction request message is IC card The message for the request of IC card load that post 202 issues, and IC card load fixed length message, communication subsystem can be determined as 101 convert the IC card load fixed length message to and are adapted with the electronic cash Accounting system 304 of the affiliated bank of IC card post Message, which can be 8583 message of IC card system.After communication subsystem 101 converts message format, 8583 message of IC card system is sent to electronic cash Accounting system 304 by Transmission Control Protocol by service process subsystem 102.
When transaction channel 200 is Unionpay's transaction system 204, corresponding banking system 300 includes the loan of each bank Remember in the debit card system 303 of card system 302, each bank, that is, the transaction request message of the transmission of Unionpay's transaction system 204 Transaction business is the banking of the credit card system 302 for requesting each bank, the debit card system 303 of each bank.Specifically, logical It interrogates subsystem 101 and the transaction request message that Unionpay's transaction system 204 is sent is received by http protocol, which is The XML message that Unionpay's transaction system 204 is sent will when determining the transaction business in transaction request message is debit card business The message format of transaction request message is converted to message compatible with the debit card system 303 of the issuing bank of transaction bank card Format is equivalent to the debit card be converted to the XML message that Unionpay's transaction system 204 is sent with the issuing bank of transaction bank card The compatible message of system 303, which can be the core XML message of debit card system 303.In addition, communication When transaction business in the received transaction request message of subsystem 101 is credit card business, by the message lattice of transaction request message Formula is converted to message format compatible with the credit card system 302 of the issuing bank of transaction bank card, is equivalent to and hands over Unionpay The XML message that easy system 204 is sent is converted to report compatible with the credit card system 302 of the issuing bank of transaction bank card Text, which can be 8583 messages of credit card system 302.
After communication subsystem 101 converts message format, service process subsystem 102 message format is converted after friendship Easy request message is sent to be handled with banking system 300 corresponding to the transaction business in transaction request message, according to upper Different transaction business or banking system 300 are stated, specific as follows:
The core XML message of debit card system 303 is sent to transaction silver by soap protocol by service process subsystem 102 The debit card system 303 of the issuing bank of row card；
8583 messages of credit card system 302 are sent to transaction bank card by Transmission Control Protocol by service process subsystem 102 Issuing bank credit card system 302.
Optionally, Unionpay's transaction system 204 is with support to trade by all kinds of means using the long connecting communication mode of Two In and Two Out 100 connection of system.Optionally, it is logical using TCP when the system 100 which trades by all kinds of means is communicated with core banking system Letter agreement communicated with bank core, message format for standard operating procedure (Standard Operating Procedure, SOP), specifically, communication data packets between the two include public information part, transaction data part.
The public information part includes system information head and transaction public information head, which includes number of deals According to head (optional), business datum and system control command.Wherein, business datum part includes data cell, table and object again. System control command can be inserted in business datum part.Part is system-related, including destination service code, data source generation The system informations such as code, length, specified by system configuration file (database table), number, sequence, the length of every field are fixed；Portion Dividing is relevant information with All Activity included in same data packet, the terminal including transaction, and trade teller, the letter such as mechanism Breath, the format of organizational form homologous ray information header；Part includes transaction code, trade mode, foreground serial number, authorization teller etc. Information, the format of organizational form homologous ray information header.The business datum part is made of length+data, one byte of length Binary number representation, data are wholly converted into character string transmission, the maximum length of character string by system BYTE_MAX_LEN Macrodefinition is specified (in the present embodiment, defining BYTE_MAX_LEN is 250 (0xFA)), and the part system greater than the length retains It is used as control command.If the length of data cell is more than BYTE_MAX_LEN, it is segmented transmission, 0xFF is as ultra-long data Mark.Such as 768 byte datas are passed, it is 250 since system defines BYTE_MAX_LEN, then the data segment is 0xFF+250 Character+0xFF+250 character+0xFF+250 character+0x12+18 character；When such as passing 250 byte data, then the data segment is 0xFA+250 character.
In addition, control command, format can be interted in business datum are as follows: control character mark+control string is long Degree+control string.The character mark between BYTE_MAX_LEN~0xFF that control character mark is retained by system, in this reality Applying system reserved character in example is 0xFB, 0xFC, 0xFD, 0xFE, and 0XFE is used only at present as the relevant control command of printing Identifier.
The composition schematic diagram of entire communication data packets is as shown in table 14.
Table 14
Optionally, the system 100 which trades by all kinds of means further includes data monitoring module 104 and equipment management subsystem 105。
Data monitoring module 104 is responsible for Asynchronous Reception transaction data, completes to arm's length dealing, abnormal transaction monitoring and transaction The functions such as statistics, monitoring show that interface is realized in the interface WWW (World Wide Web, Web).Data monitoring module 104 Including transaction monitoring module 1041, monitoring resource module 1042, pre-alert notification module 1043 and monitoring rules management module 1044, As Fig. 3 provides a kind of structural representation of data monitoring module 104.Each module is specific as follows:
Transaction monitoring module 1041 is used for the transaction process of monitoring system, can provide overall transaction monitoring, arm's length dealing Monitoring, statistics transaction monitoring, abnormal transaction monitoring, risk trade monitoring, transaction log monitor six big transaction monitoring functions.
Monitoring resource module 1042 is used for monitoring system hardware resource, can in offer system each hardware resource real-time prison Control.
Pre-alert notification module 1043 is for providing sound, color, playing frame, short message form early warning publication means.
Monitoring rules management module 1044 is to above-mentioned transaction monitoring module 1041, monitoring resource module 1042, pre-alert notification The monitoring rules of module 1043 carry out parametrization configuration.
Equipment management subsystem 105 includes device management module 1051, key management module 1052, SOT state of termination monitoring mould Block 1053 and cash management module 1054, as Fig. 4 provides a kind of structural representation of equipment management subsystem 105.Each module tool Body is as follows:
Device management module 1051 carries out transaction control and IP address school to the corresponding transaction terminal of transaction channel 200 It tests；
Key management module 1052 distributes management key to the corresponding transaction terminal of transaction channel 200；
SOT state of termination monitoring module 1053 is monitored management to the state of the corresponding transaction terminal of transaction channel 200；
Cash management module 1054 cooperates ATM paper money case to carry out cash management, for cooperating ATM paper money case to make an inventory of goods in a warehouse, reconciliation, plus-minus Paper money etc..
Wherein, the management of equipment management parameters is realized at the end Web, and realizing plant management function, (plant addition is deleted The functions such as remove, modify), front platform carries out prosecution, such as transaction terminal IP address effect to equipment when handling relationship trading.
Key management is also in the realization of the end Web, the functions such as realization key is recorded, updated, abolishing, and triggers to various equipment point Send out key.
For a better understanding of the present invention, another system for supporting to trade by all kinds of means provided in an embodiment of the present invention, this is System may include transaction operation platform, which uses flexible bus design philosophy, support pipeline system development mode And the development approach of assembly type, i.e. the architecture of " flexible bus+bus driver+software component ", specifically as shown in figure 5, and adopting Use message-driven mode.The core component of the transaction operation platform is the core engine of transaction operation platform, which is The architecture of Full-open, using queue to (request queue+respective queue) caching technology, message automatic distributing technology, thread Pond dynamic load technology, Component driver technology complete the processing to transaction message and business.
The core engine is with the following functions:
Initializing resource, initialization queue buffer (queue is configurable to number and buffer size), creation active line Cheng Chi (quantity is configurable, and can automatic dynamic adjustment), assembling function component and method.Core engine frame, which is that component is reserved, to be connect Mouth init_func, done_func, func, in component assembly, engine drives init_func method automatically, initial to allow Change parameter, configuration, shared variable and the resource allocation etc. that component needs.When engine service stops, done_func is driven automatically Method discharges the resource of init_func distribution.Therefore init_func, done_func can symmetrically occur under normal circumstances, certainly The two methods can not load in unwanted situation according to configuration.Func is assembly function method, handles disappearing for arrival Breath.
Registration billboard is stepped in billboard (shared section key) automatically after service (core engine example) starts successfully Remember this information on services, such as: server instance title, relationship server information, message routing path information.
Message identification identifies type of message according to informed source when there is message arrival.Core component is provided to outer plugin Outlet, user can write according to the actual situation plug-in unit to identify type of message.
Queue to caching mechanism, core engine by the way of queue pair, each queue to include two queues (request, Response), queue uses memory chained list mode, and message is divided into 5 priority in the queue, can define priority by type of message Not, the high elder generation of priority is processed.Queue buffer size can define in engine instance configuration file.
Message automatic distributing, in queue creation, engine is that each queue establishes the dispatch thread waited for, to having Message wakes up dispatch thread when entering queue, dispatch thread is sequentially disappeared from queue according to the priority (big → small) of message Breath, and message distribution is handled to the idle worker thread of some in thread pool.
It is corresponding to search for this type of message according to type of message after worker thread is distributed thread activation for Component driver Assembly method drives corresponding assembly method after finding, complete particular task.
Dynamic load, worker thread can configure (High Level and Low according to system resource and traffic pressure in thread pool Level parameter), initialization thread number is Low Level number when system starts, and when concurrency is more than this value, core engine is certainly The dynamic worker thread that increases is until High Level value.When pressure is reduced, core engine reduces worker thread automatically and counts to Low Level value.If you do not need to dynamic load is then by High Level=Low Level.
Based on the same inventive concept, Fig. 6 is illustratively shown at a kind of transaction by all kinds of means provided in an embodiment of the present invention The process of the method for reason, the process can support the system traded by all kinds of means to execute by a kind of.As shown in fig. 6, the process is specific Include:
Step 601, the transaction request message that transaction channel is sent is received, it will according to the transaction business in transaction request message Transaction request message carries out message format conversion.
Transaction channel may include ATM, POS, IC post, Mobile banking, Unionpay's transaction system etc., different transaction channels The message of different-format is sent by different transport protocols.
When transaction channel is ATM or POS, transaction request message format and communications protocol are consistent, therefore the canal that will trade Road is that ATM or POS is illustrated as one embodiment.When transaction channel is ATM/POS, ATM/POS hair is received by Transmission Control Protocol The transaction request message sent, the transaction request message are 8583 messages that ATM/POS is sent, and first determine whether the hair of transaction bank card Block whether bank belonging to bank and ATM/POS is same bank, next judges the transaction business in the transaction request for debit Card business or credit card business.
If bank belonging to the issuing bank of transaction bank card and ATM/POS is same bank, transaction request is being determined When transaction business in message is debit card business, the message format of transaction request message is converted into the hair with transaction bank card The compatible message format of debit card system for blocking bank is equivalent to and ATM/POS 8583 messages sent is converted to and is traded The compatible message of the debit card system of the issuing bank of bank card, which can be the XML of debit card system Message.For example, the debit card that user holds Bank of China goes the ATM of Bank of China to withdraw cash, the issuing bank of the debit card is determined Affiliated bank with the ATM is after the same bank, 8583 messages that can send the ATM is converted to borrowing for Bank of China Remember the XML message of card system.In addition, when the transaction business in received transaction request message is credit card business, then it will transaction The message format of request message is converted to message format compatible with the credit card system of the issuing bank of transaction bank card, phase When being converted to report compatible with the credit card system of the issuing bank of transaction bank card in 8583 messages for sending ATM/POS Text, which can be the fixed length message of credit card system.
If judge transaction bank card issuing bank and ATM/POS belonging to bank be not same bank, the ATM/POS It is connect by Unionpay's system with the issuing bank of the transaction bank card, that is, the message format of transaction request message is converted to Message format compatible with Unionpay's system is equivalent to and is adapted the 8583 messages conversion that ATM/POS is sent with Unionpay system Message, which can be 8583 message of Unionpay.
When transaction channel mobile terminal corresponding for Mobile banking, pass through the Mobile banking that Transmission Control Protocol receives IPP forwarding The transaction request message that corresponding mobile terminal is sent, the message format of the transaction request message is converted to and Mobile banking pair The compatible message format of credit card system for the bank answered.Specifically, the transaction request message is the use that mobile terminal issues In the message of credit card repayment request, and the fixed length message of credit card repayment transaction can be determined as, which is handed over Easy fixed length message is converted into the compatible message of credit card system of bank corresponding with Mobile banking, the message after the conversion It can be the fixed length message of credit card system.
When transaction channel is IC card post, the transaction of the IC card post transmission of IPP forwarding is received by Transmission Control Protocol The message format of the transaction request message is converted to the electronic cash account system with the affiliated bank of IC card post by request message It unites compatible message format.Specifically, the transaction request message is the sending of IC card post for the request of IC card load Message, and IC card load fixed length message can be determined as, it converts the IC card load fixed length message format to and IC card post The compatible message format of electronic cash Accounting system of affiliated bank, the message after converting can be reported into IC card system 8583 Text.
When transaction channel be Unionpay's transaction system when, corresponding banking system include each bank credit card system, Transaction business in the debit card system of each bank, that is, the transaction request message of Unionpay's transaction system transmission is to request each silver The banking of the debit card system of capable credit card system, each bank.Specifically, receiving transaction system of Unionpay by http protocol The transaction request message that system is sent, the transaction request message are the XML message that Unionpay's transaction system is sent, and are determining transaction request When transaction business in message is debit card business, the message format of transaction request message is converted into the hair with transaction bank card Block bank the compatible message format of debit card system, be equivalent to by the XML message that Unionpay's transaction system is sent be converted to The compatible message of the debit card system of the issuing bank of transaction bank card, which can be debit card system The core XML message of system.In addition, when the transaction business in the received transaction request message of communication subsystem is credit card business, The message format of transaction request message is converted into message compatible with the credit card system of the issuing bank of transaction bank card Format is equivalent to the credit card system be converted to the XML message that Unionpay's transaction system is sent with the issuing bank of transaction bank card It unites compatible message, which can be 8583 messages of credit card system.
Step 602, the transaction request message after message format being converted is sent to and the transaction industry in transaction request message The corresponding banking system processing of business.
Transaction request message after message format is converted be sent to corresponding to the transaction business in transaction request message Banking system processing, it is specific as follows according to above-mentioned different transaction business or banking system:
1, transaction channel ATM/POS
When bank belonging to the issuing bank of transaction bank card and ATM/POS is same bank, by the XML of debit card system Message is sent to the debit card system of the issuing bank of transaction bank card by soap protocol；Or by the fixed length report of credit card system Text is sent to the credit card system of the issuing bank of transaction bank card by Transmission Control Protocol；
When bank belonging to the issuing bank of transaction bank card and ATM/POS is not same bank, by the silver of Unionpay's system Join 8583 messages and Unionpay's system is sent to by Transmission Control Protocol.
2, transaction channel is the corresponding mobile terminal of Mobile banking
The fixed length message of credit card system is sent to the credit card system of the issuing bank of transaction bank card by Transmission Control Protocol System.
3, transaction channel is IC card post
8583 message of IC card system is sent to electronic cash Accounting system by Transmission Control Protocol.
4, transaction channel is Unionpay's transaction system
The core XML message of debit card system is sent to the debit of the issuing bank of transaction bank card by soap protocol Card system；Or 8583 messages of credit card system are sent to the credit card of the issuing bank of transaction bank card by Transmission Control Protocol System.
The process for a kind of method of trading processing by all kinds of means that embodiment provides for a better understanding of the present invention, in advance under Column noun is made explanations:
Current row debit card: bank belonging to the issuing bank for debit card of trading and ATM/POS is same bank.
Current row credit card: bank belonging to the issuing bank for credit card of trading and ATM/POS is same bank.
He manages it card: bank belonging to the issuing bank of transaction bank card and ATM/POS is different bank.
Bank belonging to Ben Daita: the issuing bank of transaction bank card and ATM/POS is different bank, belonging to ATM/POS Banking agency transaction bank card issuing bank's transacting business.
As Fig. 7 shows flow diagram when transaction channel is ATM.
Step 701, data are received.
It receives ATM and transaction request message is sent by Transmission Control Protocol, which is 8583 messages.
Step 702, message authentication code (Message Authentication Code, MAC) verifies.
MAC can recognize that the integrality distorted and pretended, that is, transaction request message both can be confirmed, can also carry out Certification, the input of message authentication code include the message and a key shared between sender and recipient of random length, it The data of regular length can be exported.
Step 703, flowing water is recorded.
Record the transaction journal of the bank card.
Step 704, Ben Daita is judged whether it is, if so, step 705 is turned to, if it is not, then turning to step 706.
Whether the issuing bank and the affiliated bank of the ATM for judging the transaction bank card are the same bank, if same Bank is not then Ben Daita, i.e. steering step 706.
Step 705, withdrawal is handled.
The transaction request message for processing of withdrawing the money is sent to Unionpay's system, i.e., carries out withdrawal processing in Unionpay's system.
Step 706, judge that transaction bank card then turns to step 707 if credit card for debit card or credit card；If It is debit card, then turns to step 708.
Step 707, withdrawal is handled.
When carrying out withdrawal operation using credit card, when being also credit card with regard to transaction bank card, the transaction for the processing that will withdraw the money is asked It asks message to be sent to the credit card system for changing the affiliated bank of credit card, the credit card system of the affiliated bank of the credit card is allowed to be taken Money processing.
Step 708, judging transaction bank card is that IC card or magnetic stripe card if magnetic stripe card then turn to step 710, if IC card then turns to step 709.
IC card and magnetic stripe card belong to debit card, wherein IC card by can operation chip and the key that is stored therein, Ensure that safety is true in terminal and the interactive process of card, and can guarantee the safety of on-line transaction information, can hardly replicate, And high reliablity, IC card not only guarantee the safety of on-line transaction, can also be achieved safe off line and use；Magnetic stripe card stores information phase To simple, it is easy to replicate, to guarantee that safety can only be by sending every transaction to the on-line transaction mode of bank's background system It verifies, is easy to replicate, is easily damaged.IC card needs ARQC to verify, and magnetic stripe card does not need ARQC verification.If magnetic stripe card, then The transaction request message for processing of withdrawing the money is sent to core banking system；If IC card, then in IC card after ARQC verification, The transaction request message for processing of withdrawing the money is sent to core banking system.
Step 709, IC card bank card password calibration technology (Authorisation Request Cryptogram, ARQC)。
IC card carries out ARQC verification to its affiliated bank, judge the IC card whether be its affiliated issued by banks card.
Step 710, withdrawal is handled.
The transaction request message for processing of withdrawing the money is sent to core banking system, i.e., is carried out at withdrawal in core banking system Reason.
Step 711, receive result.
Receive the response message of credit card system, Unionpay's system or core banking system feedback.
Step 712, judge that transaction bank card then turns to step 713 if debit card for debit card or credit card.
Step 713, judge that transaction bank card then turns to step 714 if IC card for IC card or magnetic stripe card.
If IC card, then step 714 is turned to, the ARQC verification of IC card is carried out again, if magnetic stripe card, then by response message ATM is fed back to, ATM can decide whether to spit paper money according to the response message.
Step 714, IC card ARQC code check.
In the present embodiment, it is first determined the transaction bank card is current row debit card or current row credit card or he manages it card, according to Different types of card transaction is routed to different banking systems；According to different bank operation system dock message format, Carry out corresponding message format conversion；Card is manageed it for him, and 8583 messages are converted into 8583 message of Unionpay, are sent out by Transmission Control Protocol It is sent to Unionpay's system, Unionpay's system is sent to corresponding card issuer, after receiving Unionpay's system feedback response message, feeds back to ATM, ATM decide whether to spit paper money according to success or not；For current row debit card, if IC card, need to carry out ARQC verification, ARQC It is converted into XML message after verifying successfully, debit card system is sent to by soap protocol, receives debit card core feed-back response report Wen Hou, feeds back to ATM, and ATM decides whether to spit paper money according to success or not；For current row credit card, it is converted into fixed length message and passes through Transmission Control Protocol mode is sent to credit card core, after receiving credit card system feedback response message, feeds back to ATM, ATM according at Decide whether to spit paper money whether function；Transaction process flow terminates.
A kind of process for method of trading processing by all kinds of means that embodiment provides for a better understanding of the present invention, also such as Fig. 8 Show flow diagram when transaction channel is Mobile banking's corresponding mobile terminal.
Step 801, core cash account charging interface is adjusted.
Mobile banking APP sends transaction request message to IPP, calls the core cash account charging interface of IPP.
Step 802, core cash account charging interface is adjusted.
IPP is kept accounts by the fixed length message that soap protocol mode sends credit card repayment transaction to core banking system, and Call the core cash account charging interface of core system.
Step 803, credit card refund interface is adjusted.
After core banking system returns successfully, the credit card refund interface of IPP is called, IPP is sent by Transmission Control Protocol mode The fixed length message of credit card repayment transaction is to transaction system.
Step 804, credit card refund interface is adjusted.
The fixed length message that the credit card repayment received is traded is converted into credit card system fixed length message by transaction system, and It is sent to credit card system by Transmission Control Protocol mode, calls credit card refund interface.
Step 805, credit card is refunded.
Credit card system executes transaction business according to the transaction request message received, and returns the result to transaction system System.
When user is refunded by Mobile banking, i.e. transaction channel is Mobile banking, and Mobile banking sends message to IPP, IPP sends credit card repayment fixed length message to core system by soap protocol, and after core system is kept accounts successfully, IPP passes through TCP Protocol mode send credit card repayment transaction fixed length message arrive transaction system, the transaction system by the credit card repayment transaction fixed length Message is converted into credit card system fixed length message, and is sent to credit card system by Transmission Control Protocol.Credit card system, which returns, refunds As a result to transaction system, transaction system returns to refund result to IPP, IPP return final result to Mobile banking.
Based on the same inventive concept, the embodiment of the invention also provides a kind of calculating equipment, comprising:
Memory, for storing program instruction；
Processor executes above-mentioned more canals according to the program of acquisition for calling the program instruction stored in the memory The method of road trading processing.
Based on the same inventive concept, the embodiment of the invention also provides a kind of computer-readable non-volatile memory medium, Including computer-readable instruction, when computer is read and executes the computer-readable instruction, so that computer execution is above-mentioned The method of trading processing by all kinds of means.
A kind of system for supporting to trade by all kinds of means provided in an embodiment of the present invention and the method for processing, the system include communication Subsystem, service process subsystem, wherein communication subsystem is connect with transaction channel, service process subsystem and banking System connection, communication subsystem receives the transaction request message that transaction channel is sent, according to the transaction industry in transaction request message Business by transaction request message carry out message format conversion, service process subsystem message format is converted after transaction request message It is sent to and is handled with banking system corresponding to the transaction business in transaction request message, can receive different transaction channels Transaction request, and corresponding banking system is converted into according to the transaction business in the transaction request message can parse Message format, to realize connection multi-exchange channel and a variety of banking systems.
Meanwhile a kind of system for supporting to trade by all kinds of means provided in an embodiment of the present invention and the method for processing, which can With include transaction operation platform, the transaction operation platform based on flexible bus design philosophy, not only support application integration frame Foundation, meet the needs of collaborative work, and use multi-level software component technology, easily facilitate application field frame and The exploitation of component.The system has good open, scalability and retractility, can be according to particular user demand flexible expansion Or cut corresponding assembly and software and hardware resources limitation is adjusted flexibly, to adapt to the demand of different scales or different business feature.Separately Outside, the visual developing instrument of the system which trades by all kinds of means provides intuitive, convenient for the secondary quick exploitation of user Developing instrument studies relevant language, database technology in depth without user using this tool, as long as tentatively grasping the relevant technologies The exploitation of business function can be carried out, this developing instrument is integrated with the functions such as version management, test and management.Wherein, version management Solve the problems, such as that user uses this platform while developing the Version Control and collaborative development of multiple projects.Test and management function is user Unit testing, integration testing provide case editor, case submits test, case batch resurveys function, and analyzes statistical test knot Fruit.Finally, the system traded by all kinds of means of the support realizes service management using Web development platform, except having fundamental system management Function (user management, organization management, rights management, channel management, log management etc.) outside, while providing exploitation base abundant Plinth constructs library, provides the guarantee fast implemented for specific business customization development.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies Within, then the present invention is also intended to include these modifications and variations.

Claims (17)

1. a kind of system for supporting to trade by all kinds of means, which is characterized in that including communication subsystem, service process subsystem；It is described Communication subsystem is connect with transaction channel, and the service process subsystem is connect with banking system；
The communication subsystem receives the transaction request message that the transaction channel is sent, according in the transaction request message The transaction request message is carried out message format conversion by transaction business；
Transaction request message after the service process subsystem converts message format is sent to and the transaction request message In transaction business corresponding to banking system processing.
2. the system as claimed in claim 1, which is characterized in that the communication subsystem includes that communication interface module and message turn Change the mold block；The communication interface module is connect with the transaction channel, the transaction request sent for receiving the transaction channel Message, the message conversion module are used to the transaction request message carrying out message format conversion.
3. the system as claimed in claim 1, which is characterized in that the transaction channel is ATM ATM/ point-of-sale terminal POS；The banking system include Unionpay's system, the credit card system of each bank, each bank debit card system；
The communication subsystem receives the transaction request message that the ATM/POS is sent by transmission control protocol TCP agreement, sentences Break off a friendship easy bank card issuing bank and the ATM/POS belonging to bank whether be same bank, if so, described in the determination When transaction business in transaction request message is debit card business, the message format of the transaction request message is converted to and institute State the compatible message format of debit card system of the issuing bank of transaction bank card；
Otherwise, the message format of the transaction request message is converted into message format compatible with Unionpay's system.
4. system as claimed in claim 3, which is characterized in that further include:
The communication subsystem is when determining the transaction business in the transaction request message is credit card business, by the transaction The message format of request message is converted to message lattice compatible with the credit card system of issuing bank of the transaction bank card Formula.
5. the system as claimed in claim 1, which is characterized in that the system also includes platform software function library IPP；
The transaction channel is the corresponding mobile terminal of Mobile banking/integrated circuit IC card post；The communication subsystem is logical Cross IPP mobile terminal corresponding with the Mobile banking/IC card post connection.
6. system as claimed in claim 5, which is characterized in that the transaction channel is the corresponding mobile terminal of Mobile banking； The banking system is the credit card system of each bank；
The communication subsystem is sent by the corresponding mobile terminal of the Mobile banking that Transmission Control Protocol receives the IPP forwarding Transaction request message, the message format of the transaction request message is converted to the loan of bank corresponding with the Mobile banking Remember the compatible message format of card system.
7. system as claimed in claim 5, which is characterized in that the transaction channel is IC card post；The banking System is the electronic cash Accounting system of each bank；
The transaction request report that the communication subsystem is sent by the IC card post that Transmission Control Protocol receives the IPP forwarding The message format of the transaction request message is converted to the electronic cash account system with the affiliated bank of IC card post by text It unites compatible message format.
8. the system as claimed in claim 1, which is characterized in that the transaction channel is Unionpay's transaction system；The banking Business system includes the credit card system of the debit card system of each bank, each bank；
The communication subsystem receives the transaction request report that Unionpay's transaction system is sent by Hyper text transfer http protocol Text, when determining the transaction business in the transaction request message is debit card business, by the message of the transaction request message Format is converted to message format compatible with the debit card system of issuing bank of the transaction bank card；
The communication subsystem receives the transaction request message that Unionpay's transaction system is sent by http protocol, determining When to state transaction business in transaction request message be credit card business, by the message format of the transaction request message be converted to The compatible message format of credit card system of the issuing bank of the transaction bank card.
9. the system as claimed in claim 1, which is characterized in that the system also includes data monitoring modules and equipment management System；
The data monitoring module includes transaction monitoring module, monitoring resource module, pre-alert notification module and monitoring rules management Module；The transaction process of the transaction monitoring module monitors system；The monitoring resource module monitors system hardware resources；It is described Pre-alert notification module provides sound, color, plays frame, short message form early warning publication means；The monitoring rules management module is to institute State transaction monitoring module, monitoring resource module, pre-alert notification module monitoring rules carry out parametrization configuration；
The equipment management subsystem includes device management module, key management module, SOT state of termination monitoring module and cash pipe Manage module；The device management module carries out between transaction control and network mutually the corresponding transaction terminal of the transaction channel Protocol IP address verification even；The key management module distributes management key to the corresponding transaction terminal of the transaction channel； The SOT state of termination monitoring module is monitored management to the state of the corresponding transaction terminal of the transaction channel；The cash pipe It manages module cooperation ATM paper money case and carries out cash management.
10. a kind of method of trading processing by all kinds of means characterized by comprising
The transaction request message that transaction channel is sent is received, according to the transaction business in the transaction request message by the transaction Request message carries out message format conversion；
Transaction request message after message format is converted be sent to corresponding to the transaction business in the transaction request message Banking system processing.
11. method as claimed in claim 10, which is characterized in that the transaction channel is ATM/POS；The banking system System include Unionpay's system, the credit card system of each bank, each bank debit card system；
The transaction request message for receiving transaction channel and sending, will be described according to the transaction business in the transaction request message Transaction request message carries out message format conversion, comprising:
The transaction request message that the ATM/POS is sent is received by Transmission Control Protocol, judges the issuing bank and institute of transaction bank card State whether bank belonging to ATM/POS is same bank, if so, determining that the transaction business in the transaction request message is When debit card business, the message format of the transaction request message is converted to and is borrowed with the issuing bank of the transaction bank card Remember the compatible message format of card system；
Otherwise, the message format of the transaction request message is converted into message format compatible with Unionpay's system.
12. method as claimed in claim 11, which is characterized in that further include:
When determining the transaction business in the transaction request message is credit card business, by the message of the transaction request message Format is converted to message format compatible with the credit card system of issuing bank of the transaction bank card.
13. method as claimed in claim 10, which is characterized in that the transaction channel is that Mobile banking is corresponding mobile whole End；The banking system is the credit card system of each bank；
The transaction request message for receiving transaction channel and sending, will be described according to the transaction business in the transaction request message Transaction request message carries out message format conversion, comprising:
The transaction request message sent by the corresponding mobile terminal of the Mobile banking that Transmission Control Protocol receives IPP forwarding, by institute The message format for stating transaction request message is converted to the compatible report of credit card system of bank corresponding with the Mobile banking Literary format.
14. method as claimed in claim 10, which is characterized in that the transaction channel is IC card post；The banking Business system is the electronic cash Accounting system of each bank；
The transaction request message for receiving transaction channel and sending, will be described according to the transaction business in the transaction request message Transaction request message carries out message format conversion, comprising:
The transaction request message sent by the IC card post that Transmission Control Protocol receives the IPP forwarding, the transaction is asked The message format of message is asked to be converted to message compatible with the electronic cash Accounting system of the affiliated bank of IC card post Format.
15. method as claimed in claim 10, which is characterized in that the transaction channel is Unionpay's transaction system；The bank Operation system includes the credit card system of the debit card system of each bank, each bank；
The transaction request message for receiving transaction channel and sending, will be described according to the transaction business in the transaction request message Transaction request message carries out message format conversion, comprising:
The transaction request message that Unionpay's transaction system is sent is received by http protocol, is determining the transaction request message In transaction business be debit card business when, the message format of the transaction request message is converted to and the transaction bank card Issuing bank the compatible message format of debit card system；
The transaction request message that Unionpay's transaction system is sent is received by http protocol, is determining the transaction request message In transaction business be credit card business when, the message format of the transaction request message is converted to and the transaction bank card Issuing bank the compatible message format of credit card system.
16. a kind of calculating equipment characterized by comprising
Memory, for storing program instruction；
Processor, for calling the program instruction stored in the memory, according to the program execution benefit of acquisition require 10 to 15 described in any item methods.
17. a kind of computer-readable non-volatile memory medium, which is characterized in that including computer-readable instruction, work as computer When reading and executing the computer-readable instruction, so that computer executes such as the described in any item sides of claim 10 to 15 Method.
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CN113794771B (en) * 2021-09-14 2023-01-20 中国银行股份有限公司 Transaction distribution method, transaction distribution gateway and device based on TCP (Transmission control protocol) request message
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CN117149837A (en) * 2023-10-27 2023-12-01 建信金融科技有限责任公司 Message sending method, device, electronic equipment and computer readable medium

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