CN101950452B - Bank card core system and bank card stand-in authorization system data synchronous processing method - Google Patents
Bank card core system and bank card stand-in authorization system data synchronous processing method Download PDFInfo
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Abstract
The invention discloses a bank card core system and bank card stand-in authorization system data synchronous processing method when a bank card is authorized. By the method, the problem that a bank card service cannot be provided when the current bank card system is out of order or is upgraded is solved; the usability of the bank card system is effectively improved; and the bank card system is guaranteed to provide all services within 7*24 hours.
Description
The application divides an application, the application number of female case: 200810144860.7, and the applying date: on July 31st, 2008, title: the system and method for realizing bank card agent authorization.
Technical field
The present invention relates to the bank card processing technology field, bank card core system and bank card are for the authoring system data synchronizing processing method when particularly relating to a kind of realization bank card agent authorization.
Background technology
Bank card is as a kind of modern means of payment; Easy to carry, safe in utilization with it, allow characteristics such as overdraw; Since emerging, accepted by people rapidly, in recent years; Bank card has become most holder's clothing, food, has lived, the important component part of row, can normally use bank card to become inevitable demand in 7 * 24 hours.Yet break down and the accident machine of delaying at the bank card system of bank, or bank card system and hardware device need constantly upgrade and satisfy the growth of bank product innovation and portfolio, center branch upgrading need be carried out under the situation of system-down.Therefore; Bank card system can not guarantee its 100% availability of 7 * 24 hours at present; Contradiction between the request for utilization of this and bank card is more and more outstanding; How to improve the availability of bank card system, guarantee its 7 * 24 hours 100% service is provided, be the difficult problem that presses for solution of each commercial bank always.
Summary of the invention
The technical matters that (one) will solve
Bank card core system and bank card were for the authoring system data synchronizing processing method when fundamental purpose of the present invention was to provide a kind of realization bank card agent authorization; Break down or during system upgrade in system to overcome present bank card system; The problem of bank card service can't be provided; Effectively improve the availability of bank card system, what ensure that bank card system can 7 * 24 hours 100% provides service.
(2) technical scheme
For achieving the above object, technical scheme provided by the invention is such:
Bank card core system data synchronizing processing method during a kind of realization bank card agent authorization, this method comprises:
Step 100: first data processing equipment of bank card core system main frame; After the Data Update of execution cycle property; Under the prerequisite that guarantees data integrity; According to certain rule, bank card is screened and puts in order for the essential data of authoring system, and regular or irregular through sending data synchronization request information for the mandate monitoring device;
Step 101: in generation, authorize monitoring device to judge whether bank card is available for authorization host; If it is available; Then notifying bank's card is prepared to carry out data sync for the core system data synchronization processing unit in second data processing equipment of authorization host, and execution in step 102; Otherwise, execution in step 105;
Step 102: first data processing equipment is discerned through accounts information online or that batch mode passes in core system data synchronization processing unit; Upgrade bank card through the mode that covers and authorize the built-in account device in the storage unit for the generation of authorization host, this information comprises at least: bank card number, number of the account, customer name, remaining sum, available credit amount, password side-play amount;
Step 103: first data processing equipment is discerned through key online or that batch mode passes in core system data synchronization processing unit, upgrades bank card through the mode that covers and authorizes the built-in account device in the storage unit for the generation of authorization host;
Step 104: core system data synchronization processing unit returns to bank card core system main frame with successful information after the data synchronization updating of accomplishing the built-in account device in the generation mandate storage unit, finish;
Step 105: in generation, authorize monitoring device that failure information is fed back to bank card core system main frame.
Bank card is for the authoring system data synchronizing processing method during a kind of realization bank card agent authorization, and this method comprises:
Step 300: when the transaction processing authority switches to bank card core system main frame from bank card for authorization host after, will authorize monitoring device to send data synchronization request information to generation immediately for authorization data synchronous processing subelement;
Step 301: in generation, authorize monitoring device to judge whether bank card core system main frame is available, if available, then feeds back to for authorization data synchronous processing subelement, carries out data sync; If bank card core system main frame is unavailable, then return synchronization failure information;
Step 302: replace to authorize the successful record of mandate in the registration memory storage for authorization data synchronous processing subelement sequential read; According to authorizing the synchronizing information message with the message rule of first data processing equipment of bank card core system main frame agreement or general message rule tissue generation in advance, wherein comprise at least in the message information: bank card number, number of the account, transaction code, dealing money, commission amount, trade date, authorization code, the mandate amount of money, the name of firm of concluding the business;
Step 303: first data processing equipment of bank card core system main frame is after receiving Transaction Information; Whether that judges correspondence need take special synchronization rules for authorized transactions; If then execution in step 304, handle according to specific generation mandate isochronous transaction rule; Otherwise execution in step 320;
Step 304: first data processing equipment of bank card core system main frame, according to the processing rule of authorizing isochronous transaction with generation, accomplish the update processing of bank card system card and accounts information;
Step 305: first data processing equipment of bank card core system main frame; According to the processing rule of authorizing isochronous transaction with generation; Corresponding daily record of registration bank card system or register; And be designated the generation that ad hoc rules upgrades and authorize successfully record, and success or failure information are fed back to for authorization data synchronous processing subelement, execution in step 306;
Step 320: first data processing equipment of bank card core system main frame, and feeds back to success or failure information for authorization data synchronous processing subelement for authorizing isochronous transaction information according to the general transaction flow processing;
Step 306:, after the information of the synchronous successful or failure of first data processing equipment feedback that receives bank card core system main frame, upgrade generation and authorize the recording status in the registration memory storage for authorization data synchronous processing subelement, avoid repetition synchronous;
Step 307: finish for the authoring system data synchronization processing.
(3) beneficial effect
Bank card core system and bank card are for the authoring system data synchronizing processing method during this realization bank card agent authorization provided by the invention; Solved customary shutdown of card system of existing commercial bank or the accident machine of delaying the bank card service can't be provided; To the holder cause serious inconvenience, to the damnous problem of commercial bank (mechanism); Effectively raise the availability of bank card system, what ensured that bank card system can 7 * 24 hours 100% provides service.
Description of drawings
The present invention will further describe in detail with reference to accompanying drawing, in the accompanying drawings:
Fig. 1 is the structural representation of realization bank card agent authorization provided by the invention system;
Fig. 2 is a structural representation of realizing second data storage device in the bank card agent authorization system;
Fig. 3 is a structural representation of realizing second data processing equipment in the bank card agent authorization system;
Fig. 4 is the method flow diagram of bank card core system data synchronization processing when realizing bank card agent authorization;
Fig. 5 is a method flow diagram of realizing that bank card agent authorization epoch authorized transactions is handled;
Bank card was for the method flow diagram of authoring system data synchronization processing when Fig. 6 was the realization bank card agent authorization.
Although the present invention can be revised as multiple variant and optional form, its details is shown in the drawings and will describe in detail with the mode of example.Yet, should be appreciated that the invention that the invention is not restricted to described specific embodiment, on the contrary, the present invention covers all variants, equivalent and the substitute that falls in the protection scope of the present invention that is defined by the following claims.
Embodiment
For making the object of the invention, technical scheme and advantage clearer, below in conjunction with specific embodiment, and with reference to accompanying drawing, to further explain of the present invention.
The production and operation department of commercial bank (mechanism) is regular according to daily servicing; The core banking system is carried out routine upgrading and optimized or delay in the machine processing procedure carrying out core banking system accident; Bank card can detect the unavailable and startup voluntarily of core banking system automatically for authoring system, ensures to the holder necessary service is provided; After the core banking system is recovered to use, also can initiatively surrender the transaction control voluntarily for authoring system, and accomplish the processing of upgrading the core banking system for authorization message synchronously.
As shown in Figure 1; Fig. 1 is the structural representation of realization bank card agent authorization provided by the invention system; This system comprises that at least a bank card core system main frame 1, a bank card are for authorization host 10 and generation mandate monitoring device 5; In this, authorize monitoring device 5 to be connected respectively for authorization host 10 with bank card with bank card core system main frame 1 in generation, the control authority that is used to realize concluding the business at bank card core system main frame 1 and bank card for the switching between the authoring system main frame 10.
Bank card core system main frame 1 comprises first data storage device 2 and first data processing equipment 3 of handling the client trading request of storage customer data; This bank card core system main frame 1 can be a mainframe computer; Can be medium and small computing machine also perhaps, be used for bank card business dealing is handled.First data storage device 2 can be a data base management system, also can be a file system.
Bank card comprises second data storage device 11 of storage customer data and possesses second data processing equipment 12 for the authorisation process function for authorization host 10; This bank card is mainframe computers for authoring system main frame 10; It perhaps also can be medium and small computing machine; Be used for shutting down or delay machine and when unavailable, agent bank's 10 pairs of bank card business dealings of card core system main frame are handled, and guarantee normally carrying out of bank card business dealing in the customary upgrading of bank card core system main frame 1.
Storage is to accomplish the customer data and the Transaction Information that must need for the Authorization class transaction system in second data storage device 11, comprises that at least one is used to store customer bank card accounts information and authorizes storage unit 13 for the generation of authorized transactions information.In this generation, authorize storage unit 13 to comprise a built-in account device 14 and generation mandate registration memory storage 15, and built-in account device 14 authorizes registration memory storage 15 to be connected with generation.Built-in account device 14 is used to store customer account information, wherein comprises at least: bank card number, number of the account, customer name, remaining sum, available credit amount, password side-play amount and the necessary information such as key of verification client password.In generation, authorize registration memory storage 15 to be used to store the data message for authorisation process, comprises at least: bank card number, number of the account, transaction code, dealing money, commission amount, trade date, authorization code, the mandate amount of money, transaction name of firm, recording status and authorization failure reason etc.Bank card account information is corresponding with the bank card account information in first data storage device 2 in the built-in account device 14, and characteristic is that data volume is a lot of less.
Second data processing equipment 12 is according to business and safe handling rule for authorized transactions; Completion is for authorisation process, comprises Main Processor Unit 20, core system data synchronization processing unit 21, interface recognition unit 22, checking processing unit 23 at least, for authorized transactions processing unit 24 with for authorization data synchronous processing unit 25.Wherein, core system data synchronization processing unit 21, interface recognition unit 22, checking processing unit 23, be connected to Main Processor Unit 20 for authorized transactions processing unit 24 with for authorization data synchronous processing unit 25.
Wherein, Main Processor Unit 20 is used for according to the Transaction Information calling interface recognition unit 22 that is received from generation mandate monitoring device, checking processing unit 23, handles for authorized transactions processing unit 24 with for 25 pairs of Transaction Informations of authorization data synchronous processing unit.Core system data synchronization processing unit 21 is used for regularly or obtains corresponding accounts information, customer information and key information from bank card core system main frame 1 aperiodically, is stored in the built-in account device 14 of second data processing equipment 12.The source that interface recognition unit 22 is used to receive the Transaction Information of generation mandate monitoring device 5 inputs and discerns Transaction Information, and export to checking processing unit 23.The Transaction Information that checking processing unit 23 is used for 22 inputs of docking port recognition unit carries out transaction verification, comprises at least carrying out transaction data inspection and client password inspection.Be used to be provided with the rule that generation authorizes for authorized transactions processing unit 24, accomplish the processing that generation authorizes, and authorizing in the registration memory storage 15 to generation for the authorized transactions information registering bank card.For authorization data synchronous processing unit 25 be used for sequential read replace to authorize registration memory storage 15 for the successful record of authorized transactions; Copy the transaction message of bank card core system main frame 1; Send Transaction Information to bank card core system main frame 1, will upgrade to bank card core system main frame 1 for the information amended record of authorizing.To the mode that bank card core system main frame 1 sends Transaction Information, can take online for authorization data synchronous processing unit 25 by pen processing and batch processing; The processing of core banking system main frame 1 also can be taked dual mode, and a kind of is the simple synchronization processing mode, and the information of authorizing generation is exactly treated as and is general transaction, 1 close inspection of bank card core system main frame and control; A kind of in addition is exactly special synchronous processing, and that simplifies judgement, forced synchronism exactly.But the sort of mode no matter, bank card core system main frame 1 does not need verification holder's password once more.
Comprise for authorization control parameter processing subelement 26, authorize registration process subelement 28 for the authorized transactions processing unit for authorized transactions control sub unit 27 and generation.Wherein, handle the rule that subelement 26 is used to be provided with the generation mandate for the authorization control parameter, this rule is used to control trading range, dealing money and odd-numbered day transaction stroke count content etc.Be used to accomplish processing for authorized transactions control sub unit 27,, judge whether holder's account status is normal according to for authorization control rule, transaction Suo Quan information and bank card account information for authorizing; Whether account balance and available credit amount allow payment to deserved transaction; If do not allow, then Fail Transaction, otherwise Transaction Success; And the generation authorization code, form entitlement message and return.In generation, authorize registration process subelement 28 to be used for authorizing to generation for the authorized transactions information registering of bank card registered memory storage 15; This, authorized transactions information comprised at least in generation: bank card number, number of the account, transaction code, dealing money, commission amount, trade date, authorization code, the mandate amount of money, transaction name of firm, recording status, authorization failure reason, the recording status of this moment be successfully or for the authorized transactions failure etc. for authorized transactions.
In said generation, authorize monitoring device 5 to realize that the transaction control authorities are in bank card core system main frame 1 and the bank card process for the switching between the authoring system main frame 19; Specifically comprise: in generation, authorized the state of monitoring device 5 real-time listening bank card core system main frames; Listening to bank card core system main frame 1 when unavailable; Start bank card for authorization host 10 work, and the bank card business dealing instruction that receives is transmitted to bank card for authorization host 10; Continue to monitor the state of bank card core system main frame 1 then; But listening to 1 time spent of bank card core system main frame; Stop bank card for authorization host 10 work; And the bank card business dealing instruction that receives is transmitted to bank card core system main frame 1, realize the transaction control authority at bank card core system main frame 1 and bank card for the switching between the authoring system main frame 10.Bank card core system main frame 1 is unavailable generally shuts down owing to the 1 customary upgrading of bank card core system main frame or the machine of delaying causes.
In generation, authorize monitoring device 5 to take the state of normal linking scheme real-time listening bank card core system main frame 1; Reach N time when listening to bank card core system main frame 1 continuous expired times; N is a predefined natural number; To start bank card for authorization host 10 work, and the bank card business dealing instruction that receives will be transmitted to bank card for authorization host 10; Become zero when listening to bank card core system main frame 1 continuous expired times by N time, when being in line states again, stop bank card, and the bank card business dealing instruction that receives is transmitted to bank card core system main frame 1 for authorization host 10 work.
In addition; This system can further include an interface group treating apparatus 6; This interface group treating apparatus 6 is made up of with the software of transmitting of communicating by letter a plurality of communication controllers; Be connected in said generation mandate monitoring device 5, be used to discern the different trading instructions that are received from transaction terminal 8 from outside banking network 7, and trading instruction is sent to said generation mandate monitoring device 5 through the data layout of agreement; Simultaneously, the instruction that is received from said generation mandate monitoring device 5 is handed down to transaction terminal 8 through outside banking network 7, accomplishes the transmission of Transaction Information.
Bank card core system main frame 1 is corresponding for authorization host 10 with bank card; Bank card at least logically separates with bank card core system main frame 1 for authorization host 10; When guaranteeing that 1 customary shutdown of bank card core system main frame or accident are delayed machine; Bank card can be used for authorization host 10, wherein bank card also can consider double copies for authorization host 10 mechanism to guarantee availability.
System based on above-mentioned realization bank card agent authorization; Below introduce the method for realization bank card agent authorization provided by the invention in detail; This method be applied to comprise at least bank card core system main frame, bank card for authorization host and the system of realization bank card agent authorization, this method comprises:
In generation, authorized the state of monitoring device real-time listening bank card core system main frame; Listening to bank card core system main frame when unavailable; Start bank card for authorization host work; And the bank card business dealing instruction that receives is transmitted to bank card for authorization host, bank card business dealing information is handled for authorization host by bank card; In generation, authorize monitoring device to continue to monitor the state of bank card core system main frame; But listening to the bank card core system main frame time spent; Stop bank card for authorization host work; And the bank card business dealing instruction that receives is transmitted to bank card core system main frame, by bank card core system main frame bank card business dealing information is handled.
The state that above-mentioned generation authorizes monitoring device to monitor bank card core system main frame is taked normal linking scheme.It is unavailable that generation mandate monitoring device listens to bank card core system main frame, is to authorize monitoring device to listen to the continuous expired times of bank card core system main frame in generation to reach N time, and N is a predefined natural number.In generation, authorizes monitoring device to listen to bank card core system main frame and can use, and is to authorize monitoring device to listen to the continuous expired times of bank card core system main frame in generation to become zero by N time, is in line states again.
The method of this realization bank card agent authorization provided by the invention; Bank card is for the authoring system data synchronizing processing method in the time of specifically can comprising bank card core system data synchronizing processing method when realizing bank card agent authorization again, realize bank card agent authorization epoch authorized transactions disposal route and realize bank card agent authorization, below introduces respectively.
As shown in Figure 4, Fig. 4 is the method flow diagram of bank card core system data synchronization processing when realizing bank card agent authorization, and this method specifically comprises:
Step 100: first data processing equipment of bank card core system main frame; After the Data Update of execution cycle property; Under the prerequisite that guarantees data integrity; According to certain rule, bank card is screened and puts in order for the essential data of authoring system, and regular or irregular through sending data synchronization request information for the mandate monitoring device.
Step 101: in generation, authorize monitoring device to judge whether bank card is available for authorization host; If it is available; Then notifying bank's card is prepared to carry out data sync for the core system data synchronization processing unit in second data processing equipment of authorization host, and execution in step 102; Otherwise, execution in step 105;
Step 102: first data processing equipment is discerned through accounts information online or that batch mode passes in core system data synchronization processing unit; Upgrade bank card through the mode that covers and authorize the built-in account device in the storage unit for the generation of authorization host, this information comprises at least: bank card number, number of the account, customer name, remaining sum, available credit amount, password side-play amount;
Step 103: first data processing equipment is discerned through key online or that batch mode passes in core system data synchronization processing unit, upgrades bank card through the mode that covers and authorizes the built-in account device in the storage unit for the generation of authorization host;
Step 104: core system data synchronization processing unit returns to bank card core system main frame with successful information after the data synchronization updating of accomplishing the built-in account device in the generation mandate storage unit, finish;
Step 105: in generation, authorize monitoring device that failure information is fed back to bank card core system main frame.
As shown in Figure 5, Fig. 5 is a method flow diagram of realizing that bank card agent authorization epoch authorized transactions is handled, and this method specifically comprises:
Step 200: the holder is receiving single trade company use bank card; Through transaction terminal input transaction request data; Transaction data comprises at least: number of the account, dealing money, commission amount, trade date, transaction name of firm, and then the transaction request data are sent to outside banking network;
Step 201: outside banking network transmission transaction request data, give the interface group treating apparatus with the transaction request data transmission;
Step 202: the interface group treating apparatus receives the Transaction Information of respectively receiving single financial institution, identification transaction source;
Step 203: take the generation of normal linking scheme to authorize monitoring device to judge whether bank card core system main frame is available, if bank card core system main frame can be used, then directly Transaction Information is passed to bank card core system main frame and handle, and finish; If bank card core system main frame is unavailable, then Transaction Information is passed to bank card for authorization host;
Step 204: bank card is for the Main Processor Unit in second data processing equipment of authorization host, and the calling interface recognition unit carries out the processing that unpacks of Transaction Information bag according to predetermined transaction message regulation; Then, Main Processor Unit calls the checking processing unit and carries out transaction verification, comprises carrying out transaction data inspection, client password inspection;
Step 205: after checking was passed through, Main Processor Unit called for the authorized transactions control sub unit and carries out at first calculating the Suo Quan amount of money according to dealing money, commission amount for the authorization rule inspection; Client with in the built-in account device of the Suo Quan amount of money and generation mandate storage unit can authorize amount to compare, if the Suo Quan amount of money allows to authorize amount greater than the client then refuses transaction, and points out customer credit line not enough; If can authorize amount then proceed and handle if the Suo Quan amount of money is less than or equal to the client; And then judge whether to meet for the authorization control parameter and handle the authorization control rule that subelement is provided with, this authorization control rule comprises the maximum amount of money and the number of times of authorizing on the same day at least, if with authorization control criteria, then continuous business, execution in step 206; Otherwise, authorization failure, execution in step 208;
Step 206: continue to handle for the authorized transactions control sub unit, according to the consistent rule of bank card core system main frame, the authorization code of generation standard;
Step 207: directly carry out authorisation process according to the Suo Quan amount of money for the authorized transactions control sub unit; Directly pay in the account balance from built-in account device: at first from Transaction Information, obtain account; Again according to account access for the built-in account device of authorizing in the storage unit, reduce the account balance in the built-in account device by the Suo Quan amount of money;
Step 208: in the generation that generation authorizes the registration process subelement will register to for the result of authorisation process in the generation mandate storage unit, authorize in the registration memory storage, registers bank card number, number of the account, transaction code, dealing money, commission amount, trade date, authorization code, the mandate amount of money, transaction name of firm, recording status, authorization failure reason at least; Wherein for the transaction of authorization rule inspection failure, recording status is " for an authorization failure ", and authorization code is zero for empty, the mandate amount of money;
Step 209: finish dealing with for authorized transactions, return the information of Transaction Success success or failure according to the sign of authorizing successfully or failing respectively to transaction terminal.
As shown in Figure 6, Fig. 6 is that bank card is for the method flow diagram of authoring system data synchronization processing when realizing bank card agent authorization, and this method specifically comprises:
Step 300: when the transaction processing authority switches to bank card core system main frame from bank card for authorization host after, will authorize monitoring device to send data synchronization request information to generation immediately for authorization data synchronous processing subelement;
Step 301: in generation, authorize monitoring device to judge whether bank card core system main frame is available, if available, then feeds back to for authorization data synchronous processing subelement, carries out data sync; If bank card core system main frame is unavailable, then execution in step 310, feeding back unsuccessful information;
Step 302: replace to authorize the successful record of mandate in the registration memory storage for authorization data synchronous processing subelement sequential read; According to authorizing the synchronizing information message with the message rule of first data processing equipment of bank card core system main frame agreement or general message rule tissue generation in advance, wherein comprise at least in the message information: bank card number, number of the account, transaction code, dealing money, commission amount, trade date, authorization code, the mandate amount of money, the name of firm of concluding the business;
Step 303: first data processing equipment of bank card core system main frame is after receiving Transaction Information; Whether that judges correspondence need take special synchronization rules for authorized transactions; If then execution in step 304, handle according to specific generation mandate isochronous transaction rule; Otherwise execution in step 320;
Step 304: first data processing equipment of bank card core system main frame, according to the processing rule of authorizing isochronous transaction with generation, accomplish the update processing of bank card system card and accounts information;
Step 305: first data processing equipment of bank card core system main frame; According to the processing rule of authorizing isochronous transaction with generation; Corresponding daily record of registration bank card system or register; And be designated the generation that ad hoc rules upgrades and authorize successfully record, and success or failure information are fed back to for authorization data synchronous processing subelement, execution in step 306;
Step 320: first data processing equipment of bank card core system main frame advances to handle generation according to the general transaction flow process and authorizes isochronous transaction information, and success or failure information are fed back to for authorization data synchronous processing subelement;
Step 306:, after the information of the synchronous successful or failure of first data processing equipment feedback that receives bank card core system main frame, upgrade generation and authorize the recording status in the registration memory storage for authorization data synchronous processing subelement, avoid repetition synchronous;
Step 307: finish for the authoring system data synchronization processing.
Above-described specific embodiment; The object of the invention, technical scheme and beneficial effect have been carried out further explain, and institute it should be understood that the above is merely specific embodiment of the present invention; Be not limited to the present invention; All within spirit of the present invention and principle, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (2)
1. the core system of bank card when realizing bank card agent authorization data synchronizing processing method is characterized in that this method comprises:
Step 100: first data processing equipment of bank card core system main frame; After the Data Update of execution cycle property; Under the prerequisite that guarantees data integrity; According to certain rule, bank card is screened and puts in order for the essential data of authoring system, and regular or irregular through sending data synchronization request information for the mandate monitoring device;
Step 101: in generation, authorize monitoring device to judge whether bank card is available for authorization host; If it is available; Then notifying bank's card is prepared to carry out data sync for the core system data synchronization processing unit in second data processing equipment of authorization host, and execution in step 102; Otherwise, execution in step 105;
Step 102: first data processing equipment is discerned through accounts information online or that batch mode passes in core system data synchronization processing unit; Upgrade bank card through the mode that covers and authorize the built-in account device in the storage unit for the generation of authorization host, this information comprises at least: bank card number, number of the account, customer name, remaining sum, available credit amount, password side-play amount;
Step 103: first data processing equipment is discerned through key online or that batch mode passes in core system data synchronization processing unit, upgrades bank card through the mode that covers and authorizes the built-in account device in the storage unit for the generation of authorization host;
Step 104: core system data synchronization processing unit returns to bank card core system main frame with successful information after the data synchronization updating of accomplishing the built-in account device in the generation mandate storage unit, finish;
Step 105: in generation, authorize monitoring device that failure information is fed back to bank card core system main frame.
2. a bank card when realizing bank card agent authorization is characterized in that for the authoring system data synchronizing processing method this method comprises:
Step 300: when the transaction processing authority switches to bank card core system main frame from bank card for authorization host after, will authorize monitoring device to send data synchronization request information to generation immediately for authorization data synchronous processing subelement;
Step 301: in generation, authorize monitoring device to judge whether bank card core system main frame is available, if available, then feeds back to for authorization data synchronous processing subelement, carries out data sync; If bank card core system main frame is unavailable, then return synchronization failure information;
Step 302: replace to authorize the successful record of mandate in the registration memory storage for authorization data synchronous processing subelement sequential read; According to authorizing the synchronizing information message with the message rule of first data processing equipment of bank card core system main frame agreement or general message rule tissue generation in advance, wherein comprise at least in the message information: bank card number, number of the account, transaction code, dealing money, commission amount, trade date, authorization code, the mandate amount of money, the name of firm of concluding the business;
Step 303: first data processing equipment of bank card core system main frame is after receiving Transaction Information; Whether that judges correspondence need take special synchronization rules for authorized transactions; If then execution in step 304, handle according to specific generation mandate isochronous transaction rule; Otherwise execution in step 320;
Step 304: first data processing equipment of bank card core system main frame, according to the processing rule of authorizing isochronous transaction with generation, accomplish the update processing of bank card system card and accounts information;
Step 305: first data processing equipment of bank card core system main frame; According to the processing rule of authorizing isochronous transaction with generation; Corresponding daily record of registration bank card system or register; And be designated the generation that ad hoc rules upgrades and authorize successfully record, and success or failure information are fed back to for authorization data synchronous processing subelement, execution in step 306;
Step 320: first data processing equipment of bank card core system main frame, and feeds back to success or failure information for authorization data synchronous processing subelement for authorizing isochronous transaction information according to the general transaction flow processing;
Step 306:, after the information of the synchronous successful or failure of first data processing equipment feedback that receives bank card core system main frame, upgrade generation and authorize the recording status in the registration memory storage for authorization data synchronous processing subelement, avoid repetition synchronous;
Step 307: finish for the authoring system data synchronization processing.
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| CN2010102582244A CN101950452B (en) | 2008-07-31 | 2008-07-31 | Bank card core system and bank card stand-in authorization system data synchronous processing method |
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| CN103177388B (en) * | 2011-12-22 | 2016-12-07 | 中国银联股份有限公司 | For authoring system and for authorization method |
| CN103903178B (en) * | 2012-12-27 | 2018-03-27 | 中国银联股份有限公司 | It is a kind of to be used for centralized control apparatus and the method that generation authorizes start and stop to trigger |
| CN109034790A (en) * | 2018-06-27 | 2018-12-18 | 捷德（中国）信息科技有限公司 | Bank card amount authorization method, bank card and computer readable storage medium |
| CN110659980A (en) * | 2019-09-23 | 2020-01-07 | 中国银行股份有限公司 | Transaction information processing method, system and peripheral system |
| CN112965840A (en) * | 2021-03-30 | 2021-06-15 | 河南中原消费金融股份有限公司 | Method and device for improving availability of consumer financial item entries and terminal equipment |
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|---|---|---|---|---|
| WO1997013228A1 (en) * | 1994-03-31 | 1997-04-10 | Akel William S | Distributed on-line money access card transaction processing system |
| CN1758291A (en) * | 2004-07-02 | 2006-04-12 | 招商银行股份有限公司 | Bank card temporary authorizing system and its processing method |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO1997013228A1 (en) * | 1994-03-31 | 1997-04-10 | Akel William S | Distributed on-line money access card transaction processing system |
| CN1758291A (en) * | 2004-07-02 | 2006-04-12 | 招商银行股份有限公司 | Bank card temporary authorizing system and its processing method |
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| CN101950452A (en) | 2011-01-19 |
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