CN110659891A - Method for multi-order concurrent large-data-volume online payment - Google Patents
Method for multi-order concurrent large-data-volume online payment Download PDFInfo
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- CN110659891A CN110659891A CN201910931731.0A CN201910931731A CN110659891A CN 110659891 A CN110659891 A CN 110659891A CN 201910931731 A CN201910931731 A CN 201910931731A CN 110659891 A CN110659891 A CN 110659891A
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- 238000000034 method Methods 0.000 title claims abstract description 29
- 238000012795 verification Methods 0.000 claims abstract description 25
- 238000012545 processing Methods 0.000 claims abstract description 21
- 238000007781 pre-processing Methods 0.000 claims description 8
- 230000005540 biological transmission Effects 0.000 claims description 7
- 238000004806 packaging method and process Methods 0.000 claims description 3
- 238000012216 screening Methods 0.000 claims description 3
- 230000001360 synchronised effect Effects 0.000 claims description 2
- 238000012546 transfer Methods 0.000 abstract description 2
- 238000005516 engineering process Methods 0.000 description 3
- 238000012986 modification Methods 0.000 description 1
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/602—Providing cryptographic facilities or services
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/606—Protecting data by securing the transmission between two devices or processes
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
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Abstract
The invention provides a method for multi-order concurrent large-data-volume online payment, which belongs to the technical field of online payment and is designed aiming at the operation that a bank and an enterprise are directly connected and the large-data-volume payment of multi-order concurrent in an enterprise system needs to be carried out in an online mode. In the system money-making process, through the processing of multiple concurrent large data volumes, different banks are connected with the transfer front-end processor in an enterprise, short message verification is carried out on the front-end processor, and the front-end processor is directly connected with the banks through a special line, so that the order payment method of the multiple concurrent large data volumes is realized.
Description
Technical Field
The invention relates to the related technologies of internal large-data-volume order splitting and combining, short message verification, identity information verification, a front-end processor gateway, concurrent order processing and batch submission payment, and the technologies of message data encryption and decryption processing in the whole money making process, in particular to a method for multi-order concurrent large-data-volume online payment.
Background
How to safely, efficiently and timely pay large-data-volume multi-order in the online real-time payment process of the current enterprise system is a problem that the current enterprise system is difficult to be connected with a bank system. In the past, enterprises carry out enterprise-related money paying operation through a bank system, and for users with data in an enterprise internal system, the problems of slow order submission, large processing information amount, easy error, information leakage and the like exist.
Disclosure of Invention
In order to solve the technical problems, the invention provides a method for multi-order concurrent large-data-volume online payment, and a user can directly process large-data-volume orders through an enterprise internal system and connect a bank system, so that online payment can be quickly realized by simple calling.
The technical scheme of the invention is as follows:
a method for paying in multiple orders and large data volume on line is characterized by that multiple concurrent large data volumes are processed, the transfer front-end processor is connected in the enterprise, and short message verification is carried out on the front-end processor, and said front-end processor is directly connected with the bank by means of special line so as to implement payment in multiple concurrent large data volume orders.
Further, in the above-mentioned case,
and performing batch data preprocessing on the order, splitting more than one encryption packet, and starting multithreading transmission to the front-end processor for processing.
Further, in the above-mentioned case,
the front-end processor checks the short messages of the packets of a plurality of batches, and the packets can be submitted to a bank after passing the short messages, and the batch money-making results are inquired through the front-end processor in a polling inquiry mode.
Further, in the above-mentioned case,
and the order is subjected to batch data preprocessing, split and synchronized to form an encryption package, and the encryption package and the multithreading thread are bound and transmitted to the front-end processor for processing. After the processing, the enterprise internal system conducts bank-enterprise direct connection online money making.
The method comprises the following specific steps:
(1) deploying a front-end processor in an enterprise intranet, wherein the front-end processor is connected with a bank money printing system special line and prevents a list of money printing authorities;
(2) and (4) submitting the orders needing to be paid in a batch mode in the system, and processing the orders in the step (3) by the system.
(3) And (4) carrying out iterative loop screening on the information in the order, reserving data such as the identity card, the bank card number, the name, the amount and the like required by necessary verification and money making, and removing other redundant data.
(4) And (4) packaging the transmission packets of the order information simplified in the step (3), wherein the number of each packet does not exceed the highest value met by all banks.
(5) And (4) in the plaintext message which is processed in the step (4) and accords with the money-making rule, encrypting the plaintext for each packet according to the rule agreed by the internal system and the front-end processor gateway, and adding a secret key.
(6) And distributing the encrypted multiple ciphertext packages to multiple threads for storage.
(7) And (4) transmitting the plurality of threads in (6) to the front-end processor in (1) through the threads according to the concurrency number not more than the highest concurrency number which is met by all banks.
(8) And (7) the ciphertext transmitted to the front-end processor is decrypted by the agreed rule and the secret key.
(9) And (4) checking the decrypted messages in the steps (6) and (7) with data information, summarizing the decrypted information through the mobile phone number in the front-end processor money-making authority list in the step (1), and sending a verification code to the corresponding mobile phone.
(10) And (5) when the operator is a person in the authority list, inputting a correct verification code, and continuously opening a plurality of threads by the front-end processor cryptograph packet to send to the bank core system (12).
(11) And (3) when the operator is a person outside the authority list or inputs an error verification code, the front-end processor stops the batch payment of the order with large data volume and returns to the step (2).
(12) And sending the multi-batch multi-order ciphertext packets to a bank core system from the front-end processor, and returning a receiving result by the bank core system.
(13) And the enterprise polling sends the batch numbers corresponding to the multiple batches to the front-end computer system and inquires the money making result of each batch.
(14) And the bank feeds back the money making result to the enterprise system by taking the minimum batch as a unit.
And (5) repeating the steps (2) to (12) until all the batch payment requests are judged, verified and finished, as shown by the return result of the step (14).
The invention has the advantages that
After research and development of the multi-order concurrent large-data-volume online payment method are completed and put into practical use, an enterprise internal system conducts online money printing of bank-enterprise direct connection, and through the large-data-volume money printing method, bank-enterprise direct continuous money printing is achieved safely, quickly and efficiently. By the technologies of large-data-volume order splitting and combining, short message verification, identity information verification, front-end processor gateway, concurrent order processing and batch payment submission, the low efficiency of manual form submission from traditional enterprises to banks is broken through, and the money making efficiency, safety and accuracy are improved.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer and more complete, the technical solutions in the embodiments of the present invention will be described below, it is obvious that the described embodiments are a part of the embodiments of the present invention, but not all embodiments, and all other embodiments obtained by a person of ordinary skill in the art without creative efforts based on the embodiments of the present invention belong to the protection scope of the present invention.
The invention discloses a method for paying in a multi-order concurrent large data volume online manner, which is characterized in that in the system money-making process, a plurality of concurrent large data volumes are processed, front-end computers are transferred in different banks inside an enterprise, short message verification is carried out on the front-end computers, and the front-end computers are directly connected with the banks through a special line, so that the method for paying in the multi-order concurrent large data volume online manner is realized.
The method comprises the following specific steps:
(1) deploying a front-end processor in an enterprise intranet, wherein the front-end processor is connected with a bank money printing system special line and prevents a list of money printing authorities;
(2) and (4) submitting the orders needing to be paid in a batch mode in the system, and processing the orders in the step (3) by the system.
(3) And (4) carrying out iterative loop screening on the information in the order, reserving data such as the identity card, the bank card number, the name, the amount and the like required by necessary verification and money making, and removing other redundant data.
(4) And (4) packaging the transmission packets of the order information simplified in the step (3), wherein the number of each packet does not exceed the highest value met by all banks.
(5) And (4) in the plaintext message which is processed in the step (4) and accords with the money-making rule, encrypting the plaintext for each packet according to the rule agreed by the internal system and the front-end processor gateway, and adding a secret key.
(6) And distributing the encrypted multiple ciphertext packages to multiple threads for storage.
(7) And (4) transmitting the plurality of threads in (6) to the front-end processor in (1) through the threads according to the concurrency number not more than the highest concurrency number which is met by all banks.
(8) And (7) the ciphertext transmitted to the front-end processor is decrypted by the agreed rule and the secret key.
(9) And (4) checking the decrypted messages in the steps (6) and (7) with data information, summarizing the decrypted information through the mobile phone number in the front-end processor money-making authority list in the step (1), and sending a verification code to the corresponding mobile phone.
(10) And (5) when the operator is a person in the authority list, inputting a correct verification code, and continuously opening a plurality of threads by the front-end processor cryptograph packet to send to the bank core system (12).
(11) And (3) when the operator is a person outside the authority list or inputs an error verification code, the front-end processor stops the batch payment of the order with large data volume and returns to the step (2).
(12) And sending the multi-batch multi-order ciphertext packets to a bank core system from the front-end processor, and returning a receiving result by the bank core system.
(13) And the enterprise polling sends the batch numbers corresponding to the multiple batches to the front-end computer system and inquires the money making result of each batch.
(14) And the bank feeds back the money making result to the enterprise system by taking the minimum batch as a unit.
And (5) repeating the steps (2) to (12) until all the batch payment requests are judged, verified and finished, as shown by the return result of the step (14).
And carrying out batch data preprocessing on the order, splitting a plurality of encryption packets, and starting multithreading transmission to the front-end processor for processing. The front-end processor checks the short messages of the packets of a plurality of batches, submits the packets to a bank after the short messages pass, and inquires batch money-making results through the front-end processor in a polling inquiry mode; different from a common splitting mode, the order is subjected to batch data preprocessing and split and forms an encryption package synchronously, and the encryption package and the multithreading thread are bound and transmitted to the front-end processor for processing. Different from the traditional batch data core verification, the method is characterized in that a front-end processor carries out short message verification processing in advance and intercepts invalid requests in advance.
The order is subjected to batch data preprocessing and is split into a plurality of encryption packets, multithreading transmission is started to the front-end processor for processing, a direct splitting mode is not adopted, the order is subjected to batch data preprocessing and is split and is synchronously formed into the encryption packets, the encryption packets and the multithreading threads are bound and transmitted to the front-end processor for processing, and reliability and safety of the encryption packets and the multithreading threads are improved.
The method is different from the traditional batch data core verification, the front-end processor carries out short message verification processing in advance, intercepts invalid requests in advance and ensures light load of a core verification system.
The above description is only a preferred embodiment of the present invention, and is only used to illustrate the technical solutions of the present invention, and not to limit the protection scope of the present invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention shall fall within the protection scope of the present invention.
Claims (8)
1. A method for multi-order concurrent large data volume online payment is characterized in that,
through the processing of the multiple concurrent large data volumes, the forwarding front-end computers of different banks are connected in an enterprise, short message verification is carried out on the front-end computers, and the front-end computers are directly connected with the banks through special lines, so that the order payment of the multiple concurrent large data volumes is realized.
2. The method of claim 1,
and performing batch data preprocessing on the order, splitting more than one encryption packet, and starting multithreading transmission to the front-end processor for processing.
3. The method of claim 2,
the front-end processor checks the short messages of the packets of a plurality of batches, and the packets can be submitted to a bank after passing the short messages, and the batch money-making results are inquired through the front-end processor in a polling inquiry mode.
4. The method of claim 3,
and the order is subjected to batch data preprocessing, split and synchronized to form an encryption package, and the encryption package and the multithreading thread are bound and transmitted to the front-end processor for processing.
5. The method of claim 4,
after the processing, the enterprise internal system conducts bank-enterprise direct connection online money making.
6. The method of claim 5,
the method comprises the following specific steps:
(1) deploying a front-end processor in an enterprise intranet, wherein the front-end processor is connected with a bank money printing system special line and prevents a list of money printing authorities;
(2) submitting the orders needing to be paid in batches in the system, and processing the orders in the step (3) by the system;
(3) carrying out iterative loop screening on the information in the order, reserving the data of the identity card, the bank card number, the name and the amount required by necessary verification and money making, and removing other redundant data;
(4) packaging the transmission packets of the order information simplified in the step (3), wherein the number of each packet does not exceed the highest value met by all banks;
(5) in the plaintext message which is processed in the step (4) and accords with the money-making rule, encrypting the plaintext for each packet according to the rule agreed by the internal system and the front-end processor gateway, and adding a secret key;
(6) distributing more than one encrypted ciphertext packages to more than one thread for storage;
(7) more than one thread in the step (6) is transmitted to the front-end processor in the step (1) through the thread according to the fact that each concurrency number does not exceed the highest concurrency number met by all banks;
(8) the ciphertext transmitted to the front-end processor in the step (7) is decrypted by an agreed rule and a secret key;
(9) checking the data information of the message decrypted in the steps (6) and (7), summarizing the decrypted information through the mobile phone number in the front-end processor money-making permission list in the step (1), and sending a verification code to the corresponding mobile phone;
(10) when the operator is a person in the authority list, inputting a correct verification code, and continuously opening more than one thread by the front-end processor cryptograph packet to send to the bank core system, and going to step (12);
(11) when the operator is outside the authority list or inputs an error verification code, the front-end processor stops the batch making of the order with large data volume and returns to the step (2);
(12) and sending the multi-batch multi-order ciphertext packets to a bank core system from the front-end processor, and returning a receiving result by the bank core system.
7. The method of claim 6,
the enterprise polling sends batch numbers corresponding to multiple batches to the front-end processor system, and inquires the money making result of each batch; and the bank feeds back the money making result to the enterprise system by taking the minimum batch as a unit.
8. The method of claim 7,
and (5) repeating the steps (2) to (12) until the payment requests of all batches are judged, verified and finished, and feeding back the payment results.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201910931731.0A CN110659891A (en) | 2019-09-29 | 2019-09-29 | Method for multi-order concurrent large-data-volume online payment |
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| CN201910931731.0A CN110659891A (en) | 2019-09-29 | 2019-09-29 | Method for multi-order concurrent large-data-volume online payment |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111612447A (en) * | 2020-05-29 | 2020-09-01 | 远光软件股份有限公司 | Method and device for batch electronic payment, storage medium and electronic equipment |
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