CN101414404B - Method for implementing public business, bank preposition equipment and bank preposition system - Google Patents
Method for implementing public business, bank preposition equipment and bank preposition system Download PDFInfo
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- CN101414404B CN101414404B CN2008102278054A CN200810227805A CN101414404B CN 101414404 B CN101414404 B CN 101414404B CN 2008102278054 A CN2008102278054 A CN 2008102278054A CN 200810227805 A CN200810227805 A CN 200810227805A CN 101414404 B CN101414404 B CN 101414404B
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Abstract
The invention discloses an implementation method for common service, a banking front device and a banking front system. The method comprises the following steps: a transaction request message sent by a user terminal is received, the transaction request message is transmitted to a Unionpay public payment platform, the Unionpay public payment platform carries out processing on the transaction request message, and the corresponding transaction response message is obtained; the transaction response message returned by the Unionpay public payment platform is received and sent to the user terminal. The redundant construction to the service provider can be avoided, and the unified user operating interface is realized through the invention.
Description
Technical field
The present invention relates to the bank electronic service technique, especially a kind of common service implementation method, bank preposition equipment and bank preposition system.
Background technology
Along with the intellectuality and the development of internet technology of computing machine, the tag card user of Unionpay more and more realizes bill payment by bank.At present, bank is to bank counter by the user when carrying out the bill payment business, bank respectively with different industry (as, telecommunications, UNICOM, mobile, electric power) consult cooperation, set up networking with every profession and trade respectively, adopt different technology and business interface at different service providers.Structural representation when Fig. 1 realizes that for existing bank bill payment is professional, referring to Fig. 1, the user selects the bill payment business to the sales counter 11 of bank to bank clerk, bank clerk sends to the bill payment request of corresponding industry the bank preposing of corresponding industry, for example, when the user selects mobile bill payment, bank clerk sends to the mobile preposition module 121 that is connected with mobile communication with user's request, mutual by moving preposition module 121 with mobile industry 131 communications, realize at the bill payment that moves; When the user selected UNICOM's bill payment, bank clerk sent to the preposition module 122 of the UNICOM that communicates to connect with UNICOM with user's request, and is mutual with 132 communications of UNICOM's industry by the preposition module 122 of UNICOM, realizes the bill payment at UNICOM.
The inventor finds in realizing process of the present invention: have now in the bank payment business, bank connects respectively with every profession and trade respectively, for example, realizes and the intercommunication of moving by moving preposition module, by the intercommunication of the preposition module realization of UNICOM with UNICOM.But the technical interface of each module, service details are different, need independent development module at different industries, even need exploitation front-end system separately, for example need exploitation to move preposition module at moving, and need develop the preposition module of UNICOM at UNICOM.Therefore, prior art may cause the module duplicate construction, causes bank's end subscriber transaction channel, operation interface different.
Summary of the invention
The operation flow that the objective of the invention is unified every profession and trade makes bank's end subscriber operation interface unified, avoids the duplicate construction to every profession and trade.
For achieving the above object, the invention provides a kind of common service implementation method, comprising:
Receive the transaction request message that user terminal sends, transaction request message is sent to Unionpay's public payment platform, described Unionpay public payment platform is handled this transaction request message, the response message of being concluded the business accordingly;
Receive the transaction response message that Unionpay's public payment platform returns, the response message of will concluding the business sends to user terminal;
The transaction request message that described reception user terminal sends sends to Unionpay's public payment platform with transaction request message and comprises: bank preposition equipment receives the transaction request message bag that user terminal sends; According to the transaction request message bag that this user terminal sends, obtain Unionpay's transaction request message that Unionpay's public payment platform is supported; Additional transactions request and transaction responses match information field in this Unionpay's transaction request message; To send to Unionpay's payment platform after this Unionpay's transaction request message packing;
The transaction response message that described reception Unionpay public payment platform returns, the response message of will conclude the business sends to user terminal and comprises: bank preposition equipment receives the transaction response message bag of Unionpay's public payment platform transmission; Should conclude the business response message bag and transaction request message bag the coupling; According to the transaction response message bag that this Unionpay's public payment platform sends, obtain the user terminal transaction response message that user terminal is supported; To send to user terminal after this user terminal transaction response message packing;
The transaction request message that described reception user terminal sends sends to Unionpay's public payment platform with transaction request message and also comprises: be responsible for assigning transaction journal number of the transaction request message that sends for the user terminal that receives; The transaction request message bag that the user terminal that buffer memory receives sends; The transaction request message bag that monitoring in real time receives; With individual identification code encryption Unionpay transaction request message; For the Unionpay's request message that generates generates authentication code; The information of registration transaction request message bag in the transaction storehouse;
The transaction response message that described reception Unionpay public payment platform returns sends to user terminal with the transaction message response and also comprises: the real-time Monitor And Control Subsystem of transaction is mail in the transaction response that will receive; The authentication code of checking transaction response message bag; The information of registration transaction response message bag in the transaction storehouse.
The invention provides a kind of bank preposition equipment, comprising:
The transaction processing module is used to receive the transaction request message that user terminal sends, and the transaction request message that user terminal is sent is converted to Unionpay's transaction request message that Unionpay's public payment platform is supported; Be used to receive the transaction response message that Unionpay's public payment platform returns, the transaction response message that Unionpay's public payment platform is returned is converted to the user terminal transaction response message that user terminal is supported, and this user terminal transaction response message is sent to user terminal;
Unionpay's communication module is used for described Unionpay transaction request message is sent to Unionpay's public payment platform, and receives the transaction response message that Unionpay's public payment platform returns;
Also comprise: buffer module, be connected with the Unionpay communication module with described transaction processing module, be used for described transaction request message of buffer memory and transaction response message;
Real-time monitoring module is connected with described buffer module, is used for showing described transaction request message in the request viewing area, shows described transaction response message in the response viewing area;
Description of drawings
DBM is connected with described transaction processing module, is used for described transaction request message and transaction response message are registered processing;
Described transaction processing module also is used to each transaction request message to distribute serial number.
As shown from the above technical solution, the present invention sends to Unionpay's public payment platform by the transaction request message with user terminal, by Unionpay's public payment platform each transaction request message is processed, and has following beneficial effect:
1, the request message of will concluding the business sends to Unionpay's public payment platform, rather than every profession and trade, can avoid repeated construction not of the same trade.
2, the request message of will concluding the business sends to unified Unionpay's public payment platform, can realize the unification of the end user of bank operation interface.
Structural representation when Fig. 1 realizes that for existing bank bill payment is professional;
Embodiment
Fig. 2 is the schematic flow sheet of the public professional implementation method embodiment one of the present invention;
Fig. 3 is the schematic flow sheet of common service implementation method embodiment two of the present invention;
Fig. 4 is the schematic flow sheet of common service implementation method embodiment three of the present invention;
Fig. 5 is the structural representation of bank preposition equipment embodiment of the present invention;
Fig. 6 is the structural representation of bank preposition system embodiment of the present invention.
Below by drawings and Examples, technical scheme of the present invention is described in further detail.
Unionpay's public payment platform is the common platform of being communicated by letter with each card sending mechanism by can realizing of providing of Unionpay, and Unionpay's public payment platform also with every profession and trade (as move, UNICOM, electric power etc.) exist and communicate to connect.The inventor finds just that in process of the present invention Unionpay's public payment platform has the ability of communicating by letter with each side's (comprising every profession and trade and each card sending mechanism), realize the bill payment business of bank based on this Unionpay's public payment platform, avoid bank at every profession and trade exploitation module separately, avoid overlapping construction, being embodied as the user provides unified transaction operating process and transaction interface.
Fig. 2 is the schematic flow sheet of common service implementation method embodiment one of the present invention, comprising:
Step 21: bank preposition equipment receives the transaction request message that self-aided terminal sends, and transaction request message is sent to Unionpay's public payment platform, and described Unionpay public payment platform is handled this transaction request message, the response message of being concluded the business accordingly.Unionpay's public payment platform is realized concrete business such as paying the fees and withhold by carrying out communication with each side's (card sending mechanism, industry), and the process that concrete Unionpay's public payment platform is handled transaction request message is a prior art, is provided by Unionpay, does not repeat them here.
Step 22: bank preposition equipment receives the transaction response message that Unionpay's public payment platform returns, and the response message of will concluding the business sends to self-aided terminal.Self-aided terminal can be shown to transaction response the user afterwards, the affirmation of being concluded the business by the user.
Wherein, the conversion between the message bag of the message that above-mentioned self-aided terminal and Unionpay's public payment platform are supported can be changed accordingly according to the data layout of self-aided terminal and Unionpay's public payment platform support and the conversion method between the existing data layout.Can adopt ICP/IP protocol to carry out communication between this bank preposition equipment and the self-aided terminal, can adopt x.25 between this bank preposition equipment and the Unionpay's public payment platform or ICP/IP protocol is carried out communication.
Present embodiment is example with the self-aided terminal, but the principle of present embodiment is equally applicable to other user terminal, for example Web bank, telephone bank etc.
Present embodiment sends to Unionpay public payment platform with the user by please seeking unification of self-aided terminal transmission by bank preposition equipment, follow-up flow process is transferred to Unionpay's public payment platform handle; After Unionpay's public payment platform processing finished, the response concurrent that reception Unionpay public payment platform returns was given self-aided terminal, is shown to the user by self-aided terminal.Present embodiment can be unified the payment transaction of user at every profession and trade, for example, the user has selected in self-aided terminal at the payment transaction that moves, prior art is this to be sent at the request of moving move preposition module, issue the related process module that moves this industry by moving preposition module again, return to self-aided terminal by moving the result of preposition module more afterwards mobile industry processing; The user has selected the payment transaction at UNICOM in self-aided terminal, prior art is that this request at UNICOM is sent to the preposition module of UNICOM, issued the related process module of this industry of UNICOM again by the preposition module of UNICOM, the result who by the preposition module of UNICOM mobile industry is handled again returns to self-aided terminal afterwards.And the present invention is, no matter it is at moving or the payment transaction of UNICOM that the user selects, bank preposition equipment all sends to Unionpay's public payment platform with user's request, handled by Unionpay, the response that Unionpay's public payment platform is returned at last returns to self-aided terminal by this bank preposition equipment again.Therefore, the present invention does not need exploitation separately to avoid duplicate construction at the preposition module of every profession and trade, has reduced cost, will send to Unionpay's public payment platform at please seeking unification of every profession and trade, can unify user's operating process, unified user interface.
Specifically describe the flow process of receiving the response of concluding the business from the user by self-aided terminal initiation transaction request to self-aided terminal below in conjunction with Fig. 3.
Fig. 3 is the schematic flow sheet of common service implementation method embodiment two of the present invention, and this embodiment is at whole network.As shown in Figure 3, this embodiment comprises:
Step 301: the tag card user of Unionpay submits the solicitation message of paying the fees to self-aided terminal.
Step 302: bank preposition equipment is transmitted this business indication information (solicitation message of paying the fees) and is given Unionpay's public payment platform.
Step 303: Unionpay's public payment platform sends query requests to corresponding industry (as UNICOM), is used for inquiring user account situation.
Step 304: industry is returned corresponding account's situation to Unionpay's public payment platform.
Step 305: Unionpay's public payment platform is transmitted this account situation to bank preposition equipment.
Step 306: bank preposition equipment is to user notification this account situation.
Step 307: the user sends the acknowledge message of paying the fees to bank preposition equipment.
Step 308: bank preposition equipment is transmitted this acknowledge message of paying the fees and is given Unionpay's public payment platform.
Step 309: Unionpay's public payment platform sends deduction application message to the card sending mechanism of this Unionpay's tag card.
Step 310: card sending mechanism is returned the result that withholds to Unionpay's public payment platform.
Step 311: if withhold successfully, Unionpay's public payment platform sends to corresponding industry and pays the fees or recharge notification, and the indication industry is paid the fees in user's account number or supplemented with money; If withhold failure, then Unionpay's public payment platform returns the failed message of withholing by bank preposition equipment to the user.The success of withholing among the figure is an example.
Step 312: industry is returned to Unionpay's public payment platform and is paid the fees accordingly or recharging result.
Step 313: Unionpay's public payment platform is transmitted to pays the fees or recharging result is given bank preposition equipment.
Step 314: bank preposition equipment returns this to the user and pays the fees or recharging result.
Present embodiment has provided the flow process of bill payment business, when the user submits request to by user terminal, by bank preposition equipment this please be sought unification and to send to Unionpay's public payment platform, by Unionpay according to this request in information, for example the industry of bill payment and card sending mechanism information are carried out communication with corresponding industry and card sending mechanism and are handled.Avoided bank directly with the communication of every profession and trade, realized handling at the unified of request of every profession and trade.
Fig. 3 is described the transaction processing flow process of whole network, specifically describes the treatment scheme of bank preposition equipment below.
For bank preposition equipment, it receives the transaction request message that user terminal sends, and mainly comprises the steps:
Steps A 1: bank preposition equipment receives the transaction request message bag that user terminal sends.
Steps A 2: bank preposition equipment obtains Unionpay's transaction request message that Unionpay's public payment platform is supported according to the transaction request message bag that this user terminal sends; Concrete bank preposition equipment can be according to the type of transaction request message and the data layout of this transaction request message, and the data layout that reaches Unionpay's public payment platform support carries out the conversion of message, and what its conversion regime was concrete can be referring to prior art.
Steps A 3: bank preposition equipment is additional transactions request and transaction responses match information field in this Unionpay's transaction request message; Therefore, the transaction response that obtains corresponding each transaction request that can be correct.
Steps A 4: will send to Unionpay's payment platform after this Unionpay's transaction request message packing.
Bank preposition equipment receives the transaction response message that Unionpay's public payment platform sends, and mainly comprises the steps:
Step B1: bank preposition equipment receives the transaction response message bag that Unionpay's public payment platform sends.
Step B2: response message bag and the transaction request message bag coupling of should concluding the business.
Step B3:, obtain the user terminal transaction response message that user terminal is supported according to the transaction response message bag that this Unionpay's public payment platform sends.
Step B4: will send to user terminal after this user terminal transaction response message packing.
More specifically, above-mentioned reception and the step of handling transaction request can further include:
Steps A 12: be responsible for assigning bank preposition equipment transaction journal number of the transaction request message that bank preposition equipment sends for the user terminal that receives; So that the transaction statistics of every day is carried out on the backstage.
Steps A 13: the transaction request message bag that the user terminal that the bank preposition equipment buffer memory receives sends; Concrete, the Processing tasks of bank preposition equipment can be divided into transaction request intercepts task and transaction processing task transaction request and intercepts task and be responsible for the transaction request that self-aided terminal is intercepted, after listening to a transaction processing request, create a transaction processing task immediately, this transaction request is transferred to newly-built transaction processing task to be handled, and transaction request is intercepted task itself, continues to intercept next transaction request.The transaction processing task is responsible for handing over the transaction request of coming to handle to his father's task (transaction request is intercepted task), comprise to transaction request carry out the security verification, local distribute serial number, go into local library, a series of processing such as forwarding, reception transaction response, after the transaction response is sent back to the communication side that initiates transaction, the transaction processing task termination.Can make bank preposition equipment have the concurrent processing ability by transaction request being carried out buffer memory.
Steps A 14: the transaction request message bag that bank preposition equipment monitoring in real time receives; So that real-time monitoring trading processing of request situation, whether carry out smoothly as transaction request etc.
Steps A 31: bank preposition equipment is encrypted Unionpay's transaction request message with PIN (Personal Identification Number) (Personal Identification Number is called for short PIN); To guarantee the transmission security of message.
Steps A 32: bank preposition equipment generates authentication code (Message Authentication Code is called for short MAC) for the Unionpay's request message that generates; So that the communicating pair consulted encryption algorithm further guarantees message safety, and avoid transmit leg to repeat to send the message of fault.
Steps A 41: the information of bank preposition equipment registration transaction request message bag in the transaction storehouse; So that the backstage is added up.
The step of above-mentioned reception and processing transaction request can further include:
Step B12: the transaction response that bank preposition equipment monitoring in real time receives; So that the disposition of monitoring trading response in real time, whether carry out smoothly as the transaction response etc.
Step B23: the authentication code of bank preposition equipment checking transaction response message bag; To guarantee that message is not distorted, guarantee the security of message.
Step B41: the information of bank preposition equipment registration transaction response message bag in the transaction storehouse; So that the backstage is added up.
By in conjunction with above-mentioned steps, Fig. 4 provides the concrete transaction processing flow process of bank preposition equipment.Wherein, bank preposition equipment comprises transaction processing module, Unionpay's communication module, buffer module, real-time monitoring module and database module.
Fig. 4 is the schematic flow sheet of common service implementation method embodiment three of the present invention, comprising:
Step 401: the transaction processing module receives transaction request message bag from user terminal.
Step 402: the transaction processing module is be responsible for assigning transaction journal number of transaction request message.
Step 403: the transaction processing module sends to buffer module, buffer memory transaction request message bag in buffer module with the transaction request message bag that receives.
Step 404: buffer module mails to real-time monitoring module with the transaction request message bag that receives.
Step 405: the transaction processing module is taken out a transaction request message bag and is handled in buffer module.
Step 406: the transaction processing module unpacks this transaction request message bag.
Step 407: the transaction processing module is organized Unionpay's transaction request message according to the variety classes of transaction with this transaction request message.
Step 408: the transaction processing module is additional transactions request and transaction responses match information field in Unionpay's transaction request message.
Step 409: transaction processing module converts PIN ciphertext territory.
Step 410: the transaction processing module generates MAC for the Unionpay's request message that generates.(according to Unionpay whether this territory being arranged, optional)
Step 411: the transaction request message of Unionpay is mail in the packing of transaction processing module, forms Unionpay's transaction request message bag.
Step 412: registration transaction request information in database module.
Step 413-415: the transaction processing module is submitted to Unionpay's communication module with Unionpay's transaction request bag, by Unionpay's communication module transaction request message bag is sent to Unionpay's public payment platform.
Step 416: Unionpay's communication module receives the response of Unionpay's public payment platform.
Step 417: the response message bag of will concluding the business sends to buffer module, and each transaction response message bag is carried out buffered.
Step 418: the transaction response message bag that buffer module will receive mails to real-time monitoring module.
Step 419: the transaction processing module according to the information of transaction request with transaction responses match information field, is taken out the transaction response message bag with transaction request message bag coupling in buffer module.
Step 420: the transaction processing module unpacks transaction response message bag.
Step 421: the transaction processing module verification is somebody's turn to do the MAC of transaction response message.(according to Unionpay whether this territory being arranged, optional)
Step 422: deciphering PIN.
Step 423: the transaction processing module is converted to the terminal response message that user terminal is supported according to the variety classes of transaction with the transaction response message.
Step 424: the terminal response message of user terminal is mail in the packing of transaction processing module, forms terminal response message bag.
Step 425: the transaction processing module is registered the transaction response message in database module.
Step 426: the transaction processing module mails to user terminal with terminal response message bag.
Step 427: the transaction processing task process finishes.
The particular content of the step among Fig. 4 can be referring to the corresponding steps content among above-mentioned steps A 1-A4, step B1-B4 and steps A 12-A14, steps A 31-A32, steps A 41 and step B12, step B23, the step B41.
Present embodiment is described the internal process of bank preposition equipment, present embodiment sends to Unionpay's public payment platform after transaction request is handled, and the transaction that reception Unionpay public payment platform returns responds, realize that user terminal is mutual by bank preposition equipment and Unionpay's public payment platform, rather than it is mutual respectively by the bank preposing module and the every profession and trade of every profession and trade, the operation interface of realizing the user is unified, avoids the duplicate construction of the bank preposing module of every profession and trade.
One of ordinary skill in the art will appreciate that: all or part of step that realizes said method embodiment can be finished by the relevant hardware of programmed instruction, aforesaid program can be stored in the computer read/write memory medium, this program is carried out the step that comprises said method embodiment when carrying out; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CD.
Fig. 5 comprises transaction processing module 51, Unionpay's communication module 52 for the structural representation of bank preposition equipment embodiment of the present invention.Transaction processing module 51 receives the transaction request message that user terminal sends, the transaction request message that user terminal is sent is converted to Unionpay's transaction request message that Unionpay's public payment platform is supported, Unionpay's communication module 52 receives Unionpay's transaction request message that the transaction processing module sends, and this Unionpay's transaction request is sent to Unionpay's public payment platform; And Unionpay's communication module 52 receives the transaction response message that Unionpay's public payment platform returns, and this Unionpay transaction response message sent to transaction processing module 51, the transaction response message that transaction processing module 51 is returned Unionpay's public payment platform is converted to the user terminal transaction response message that user terminal is supported, and this user terminal transaction response message is sent to user terminal.
Further, present embodiment also comprises buffer module 53, real-time monitoring module 54 and database module 55.Buffer module 53 and described transaction processing module 51 are connected with Unionpay communication module 52, are used for described transaction request message of buffer memory and transaction response message; Real-time monitoring module 54 is connected with described buffer module 53, is used for showing described transaction request message in the request viewing area, shows described transaction response message in the response viewing area; Database module 55 is connected with transaction processing module 51, is used for described transaction request message and transaction response message are carried out registration process; Transaction processing module 51 also is used to each transaction request message to distribute serial number.
Present embodiment is described each module of inside of bank preposition equipment, present embodiment sends to Unionpay's public payment platform after transaction request is handled, and the transaction that reception Unionpay public payment platform returns responds, realize that user terminal is mutual by bank preposition equipment and Unionpay's public payment platform, rather than it is mutual respectively by the bank preposing module and the every profession and trade of every profession and trade, the operation interface of realizing the user is unified, avoids the duplicate construction of the bank preposing module of every profession and trade.
Fig. 6 comprises user terminal 61 and bank preposition equipment 62 for the structural representation of bank preposition system embodiment of the present invention.User terminal 61 sends transaction request message to bank preposition equipment 62, bank preposition equipment 62 sends to Unionpay's public payment platform with the transaction request message that user terminal sends, and receive the transaction response message that returns from Unionpay's public payment platform, bank preposition equipment 62 response message of should concluding the business sends to user terminal 61, so that user terminal 61 shows the transaction processing result to the user.
Wherein, adopt the TCP/IP communication between user terminal 61 and the bank preposition equipment 62, adopt x.25 agreement or TCP/IP communication between bank preposition equipment 62 and the Unionpay's public payment platform.Adopt short connected mode communication between user terminal 61 and the bank preposition equipment 62, promptly one the transaction one ways of connecting, adopt long connected mode communication between bank preposition equipment 62 and the Unionpay's public payment platform, promptly keep lasting being connected between bank preposition equipment 62 and the Unionpay public payment platform.
Concrete, user terminal 61 can be self-aided terminal or Web bank's terminal or telephone bank's terminal.Bank preposition equipment 62 can be bank preposition equipment shown in Figure 5.
Present embodiment realizes that by the communication of bank preposition equipment and plain existing user of the public payment of Unionpay and industry user's operation interface is unified, avoids the duplicate construction of the bank preposing module of every profession and trade.
It should be noted that at last: above embodiment is only in order to technical scheme of the present invention to be described but not limit it, although the present invention is had been described in detail with reference to preferred embodiment, those of ordinary skill in the art is to be understood that: it still can make amendment or be equal to replacement technical scheme of the present invention, and these modifications or be equal to replacement and also can not make amended technical scheme break away from the spirit and scope of technical solution of the present invention.
Claims (2)
1. a common service implementation method is characterized in that, comprising:
Receive the transaction request message that user terminal sends, transaction request message is sent to Unionpay's public payment platform, described Unionpay public payment platform is handled this transaction request message, the response message of being concluded the business accordingly;
Receive the transaction response message that Unionpay's public payment platform returns, the response message of will concluding the business sends to user terminal;
The transaction request message that described reception user terminal sends sends to Unionpay's public payment platform with transaction request message and comprises: bank preposition equipment receives the transaction request message bag that user terminal sends; According to the transaction request message bag that this user terminal sends, obtain Unionpay's transaction request message that Unionpay's public payment platform is supported; Additional transactions request and transaction responses match information field in this Unionpay's transaction request message; To send to Unionpay's payment platform after this Unionpay's transaction request message packing;
The transaction response message that described reception Unionpay public payment platform returns, the response message of will conclude the business sends to user terminal and comprises: bank preposition equipment receives the transaction response message bag of Unionpay's public payment platform transmission; Should conclude the business response message bag and transaction request message bag the coupling; According to the transaction response message bag that this Unionpay's public payment platform sends, obtain the user terminal transaction response message that user terminal is supported; To send to user terminal after this user terminal transaction response message packing;
The transaction request message that described reception user terminal sends sends to Unionpay's public payment platform with transaction request message and also comprises: be responsible for assigning transaction journal number of the transaction request message that sends for the user terminal that receives; The transaction request message bag that the user terminal that buffer memory receives sends; The transaction request message bag that monitoring in real time receives; With individual identification code encryption Unionpay transaction request message; For the Unionpay's request message that generates generates authentication code; The information of registration transaction request message bag in the transaction storehouse;
The transaction response message that described reception Unionpay public payment platform returns sends to user terminal with the transaction message response and also comprises: the real-time Monitor And Control Subsystem of transaction is mail in the transaction response that will receive; The authentication code of checking transaction response message bag; The information of registration transaction response message bag in the transaction storehouse.
2. a bank preposition equipment is characterized in that, comprising:
The transaction processing module is used to receive the transaction request message that user terminal sends, and the transaction request message that user terminal is sent is converted to Unionpay's transaction request message that Unionpay's public payment platform is supported; Be used to receive the transaction response message that Unionpay's public payment platform returns, the transaction response message that Unionpay's public payment platform is returned is converted to the user terminal transaction response message that user terminal is supported, and this user terminal transaction response message is sent to user terminal;
Unionpay's communication module is used for described Unionpay transaction request message is sent to Unionpay's public payment platform, and receives the transaction response message that Unionpay's public payment platform returns;
Also comprise:
Buffer module is connected with the Unionpay communication module with described transaction processing module, is used for described transaction request message of buffer memory and transaction response message;
Real-time monitoring module is connected with described buffer module, is used for showing described transaction request message in the request viewing area, shows described transaction response message in the response viewing area;
Database module is connected with described transaction processing module, is used for described transaction request message and transaction response message are carried out registration process;
Described transaction processing module also is used to each transaction request message to distribute serial number.
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| CN2008102278054A CN101414404B (en) | 2008-11-28 | 2008-11-28 | Method for implementing public business, bank preposition equipment and bank preposition system |
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| CN103530763A (en) * | 2012-07-05 | 2014-01-22 | 苏州东润信息技术有限公司 | Platform pre-posing method and platform pre-posing device applicable to financial systems |
| CN106210021A (en) * | 2016-07-05 | 2016-12-07 | 中国银行股份有限公司 | The method for real-time monitoring of financial application system online business and supervising device |
| CN110086838A (en) * | 2018-01-26 | 2019-08-02 | 北京云点联动科技发展有限公司 | A method of payment stability |
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| CN101025843A (en) * | 2006-02-23 | 2007-08-29 | 中国农业银行 | Self-service financial transaction system and method |
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| CN1545054A (en) * | 2003-11-21 | 2004-11-10 | 氢 徐 | Information telephone financial POS system |
| CN2662380Y (en) * | 2004-05-08 | 2004-12-08 | 陶敏 | Bank card consumption communication network account charging system |
| CN1900963A (en) * | 2005-07-18 | 2007-01-24 | 中国银联股份有限公司 | Online safety payment system |
| CN101025843A (en) * | 2006-02-23 | 2007-08-29 | 中国农业银行 | Self-service financial transaction system and method |
| CN1932875A (en) * | 2006-10-09 | 2007-03-21 | 杭州东信金融技术服务有限公司 | Prepositional system based on finance industry |
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| CN101414404A (en) | 2009-04-22 |
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