CN102013063A - Payment system - Google Patents
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- CN102013063A CN102013063A CN2009101124566A CN200910112456A CN102013063A CN 102013063 A CN102013063 A CN 102013063A CN 2009101124566 A CN2009101124566 A CN 2009101124566A CN 200910112456 A CN200910112456 A CN 200910112456A CN 102013063 A CN102013063 A CN 102013063A
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- information terminal
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Abstract
The invention discloses a payment system which is characterized by mainly comprising a payment service platform, an intelligent information terminal, an intelligent information terminal server, a third-party server, a communication front-end processor, a service management platform, a data center host machine and a host machine gateway, wherein the data of the intelligent information terminal server and the payment service platform are converted into an internal communication protocol; the intelligent information terminal server and the payment service platform carry out protocol conversion by the communication front-end processor; the intelligent information terminal server is connected with the payment service platform by the communication front-end processor; the payment service platform is connected with the data center host machine; and an accounting processor of the payment service platform submits an accounting processing request to the data center host machine. The invention can ensure that a bank rapidly transacts a new payment service service which is convenient for people and greatly reduce developing time, workload and maintaining complexity.
Description
Technical field
The present invention relates to mechanics of communication, electronic transaction technology, refer more particularly to a kind of fare payment system.
Background technology
Along with the continuous development of financial industry infotech, spin-off-middle-agent's business of using as financial industry occurs rapidly.But because bank outlets' limited amount, the business hours have brought very big obstruction also for the development of these business than short relatively.Most of user withholds by bank or the mode of collection is carried out paying of public works expenses, and it is also very limited to pay the project that withholds.Also be difficult to accomplish pay in that same bank is disposable towards pay the fees (as: water rate, the electricity charge, gas charge, mobile phone charge, landline telephone expense, the premium of insurance etc.) of individual's enterprises and institutions for great majority.Therefore, along with the development of infotech, infosystem constantly perfect will have more service needed and be increased to middle-agent's business.
Existing development comprises:
1. determine the transaction initiation channel of this business;
2. design this business and initiate specific transmission approach and the transportation protocol of channel to Transaction Information the business processing end (fee payment service platform) from transaction.Wherein, according to the particular content of business need, send the business processing end to by the communication front end processor;
3. design at the business processing end this business transaction information processing program.
The shortcoming that the above-mentioned specific aim to specific transactions is developed is:
1. the content of Ye Wu requirement objective, transaction initiation mode, data and load mode, communication interface, business processing end etc. is different, makes traditional specific aim develop under the demand of activating business rapidly, brings huge development amount;
2. operation flow, the clearance clearing form of acting on behalf of the class business of paying the fees all have very strong similarity, the exploitation of new business only is to be new content on the particular content, but on whole service logic,, be the duplication of labour to a great extent often to original other professional reprints;
3. business development generally will relate to inner main system such as fee payment service platform, intelligent information terminal, intelligent information terminal server, communication front end processor etc.The application of specific aim exploitation exists function to repeat in the use and intersects built-in system, and the resource of these systems is caused waste;
4. class of business is on the increase, and exploitation targetedly can cause the operation of more numerous and diverse fallibility, more difficult program maintenance;
Initial stage design phase of specific aim exploitation defined professional adopt one or more initiate channels, the operation phase afterwards is difficult to business expanded to other business and initiates channel.
Summary of the invention
For solving the problem that exists in the above-mentioned existing fare payment system, the invention provides a kind of fare payment system platform, make business department can found new convenience-for-people fee payment service fast, significantly reduce the development time of system and the complicacy of workload and system maintenance.
The present invention realizes that in the following way the present invention mainly includes: fee payment service platform, intelligent information terminal, intelligent information terminal server, third-party server, communication front end processor, Business Management Platform, data center's main frame and main frame gateway; Wherein, the data of intelligent information terminal server and fee payment service platform are converted to the internal communication agreement, and intelligent information terminal server and fee payment service platform carry out protocol conversion by communication is preposition; The intelligent information terminal server is connected with the fee payment service platform by the communication front end processor; The fee payment service platform is connected with the data center main frame; The accounting processing of fee payment service platform is submitted the accounting processing request to data center's main frame.
Described intelligent information terminal is connected with the intelligent information terminal server, is used to initiate transaction request and receives transaction results;
Described intelligent information terminal server is used for the transaction request that intelligent information terminal is initiated is sent to the fee payment service platform;
Described communication front end processor after being used for intelligent information terminal server transaction request data are carried out protocol translation, is sent to the fee payment service platform with transaction request;
Described fee payment service platform, in be provided with the business flow processing unit, this business flow processing unit carries out business processing according to transaction request, after business processing finished, the fee payment service platform returned the transaction results of the professional pre-process of third party; Initiate if transaction request is an intelligent information terminal, the fee payment service platform will return transaction results to intelligent information terminal, show transaction results on the interface of intelligent information terminal;
Described third party's business is preposition, receives the data of fee payment service platform, handles according to the agreement of third party's agreement transaction request being issued the third party, and receives transaction results;
Described Business Management Platform manages the basic business data, safeguards basic data, functions such as the inquiry printing of form.
Described business flow processing stores the multiple business flow template in the unit, is used for fee payment service platform processes transaction request.
Be provided with transaction code in the described transaction request, transaction code is corresponding one by one with business function; The fee payment service platform is according to the operation flow in the transaction code selection different business processing unit.
The database storing of described data center main frame has the business datum table of each operation flow, business datum table management service configuration parameter.
Parameter is set in the described operation flow judges, when the fee payment service platform carries out business processing according to operation flow, read the business configuration parameter by the parameter judging point.
Also can include third-party server, be connected with third party's service front-end processor by Fire Wall Module; Third party's service front-end processor carries out the communications protocol conversion between third-party server and fee payment service platform.
Described third-party server is connected with third party's operation system by Fire Wall Module; Third-party server carry out and the fee payment service platform between communications protocol conversion and exchanges data.
Beneficial effect of the present invention is, only need exploitation seldom, only by template is configured, Added Business record in several service allocation lists, Added Business control information in table is set, configure the field contents distribution preposition, just can make bank found new convenience-for-people fee payment service service fast, significantly reduce development time and workload and maintenance complexity with communication.
Description of drawings
Fig. 1 system architecture key diagram of the present invention;
Embodiment
Now be described with reference to the accompanying drawings implementation process of the present invention:
As shown in Figure 1, the present invention mainly includes: fee payment service platform, intelligent information terminal, intelligent information terminal server, third-party server, communication front end processor, Business Management Platform, data center's main frame and main frame gateway; Wherein, the data of intelligent information terminal server and fee payment service platform are converted to the internal communication agreement, and intelligent information terminal server and fee payment service platform carry out protocol conversion by communication is preposition; The intelligent information terminal server is connected with the fee payment service platform by the communication front end processor; The fee payment service platform is connected with the data center main frame; The accounting processing of fee payment service platform is submitted the accounting processing request to data center's main frame.
Described intelligent information terminal is connected with the intelligent information terminal server, is used to initiate transaction request and receives transaction results;
Described intelligent information terminal server is used for the transaction request that intelligent information terminal is initiated is sent to the fee payment service platform;
Described communication front end processor after being used for intelligent information terminal server transaction request data are carried out protocol translation, is sent to the fee payment service platform with transaction request;
Described fee payment service platform, in be provided with the business flow processing unit, this business flow processing unit carries out business processing according to transaction request, after business processing finished, the fee payment service platform returned the transaction results of the professional pre-process of third party; Initiate if transaction request is an intelligent information terminal, the fee payment service platform will return transaction results to intelligent information terminal, show transaction results on the interface of intelligent information terminal;
Described third party's business is preposition, receives the data of fee payment service platform, handles according to the agreement of third party's agreement transaction request being issued the third party, and receives transaction results;
Described Business Management Platform manages the basic business data, safeguards basic data, functions such as the inquiry printing of form.
Described business flow processing stores the multiple business flow template in the unit, is used for fee payment service platform processes transaction request.
Be provided with transaction code in the described transaction request, transaction code is corresponding one by one with business function; The fee payment service platform is according to the operation flow in the transaction code selection different business processing unit.
The database storing of described data center main frame has the business datum table of each operation flow, business datum table management service configuration parameter.
Parameter is set in the described operation flow judges, when the fee payment service platform carries out business processing according to operation flow, read the business configuration parameter by the parameter judging point.
Also can include third-party server, be connected with third party's service front-end processor by Fire Wall Module; Third party's service front-end processor carries out the communications protocol conversion between third-party server and fee payment service platform.
Described third-party server is connected with third party's operation system by Fire Wall Module; Third-party server carry out and the fee payment service platform between communications protocol conversion and exchanges data.
Fare payment system of the present invention can be divided into core processing system, peripheral system, communication assisted class system.Core system comprises: data center's main frame, fee payment service platform.
Access device mainly comprises: intelligent information terminal; Access device mainly provides man machine operation interface, is the initiation channel of transaction request.Communication assisted class system has: communication front end processor, gateway.The center of total system is that fee payment service platform, intelligent information terminal are preposition, communication front end processor and third party are preposition.
The communication front end processor is the server of the conversion of special disposal communications protocol, message format conversion, communication resources management, is the transport hub of fare payment system; Can realize conversion to variety of protocol, newspaper zhang; The fee payment service platform is a business processing end unique, core, is business processing center and master control center, and the All Activity request focuses on by the fee payment service platform processes.
As shown in Figure 1, in the present embodiment, site equipment is intelligent information terminal, and the terminal server of site is the intelligent information terminal server; Communications protocol between intelligent information terminal server and fee payment service platform is set to the standard communications protocol, carries out communication by communication is preposition with the fee payment service platform.
The fee payment service platform is inner specialized on-line transaction disposal system, platform properties such as the control of transaction concurrent control, transaction data consistance, transaction abnormality processing and error message feedback are provided, and with subsidiary functions such as data center main frame reconciliation, generation form.
The business flow processing unit that is provided with in the fee payment service platform stores a plurality of operation flow templates, and each operation flow template is the manage business program of treatment scheme of a cover, and the transaction request of inner communications protocol form is handled.If comprise the processing of account in the business processing, then submit the accounting processing request to by gateway and data center's communication by the fee payment service platform.If the success of data center host process then returns success message to the fee payment service platform, the fee payment service platform by third party's front end processor can also with third-party server communication, transmission Transaction Information; If the host process failure, and be system mistake, then data center's main frame self-timing is initiated the synchronization request to this transaction, to keep the data consistency of fee payment service platform and data center's main frame.
The main frame gateway can be a universal gateway, is an intermediary that comprises other service application service device and data center's host communication of fee payment service platform, is specifically designed to handle the unit that the fee payment service platform is communicated by letter with data center.
Treatment scheme design in the treatment scheme unit of fee payment service platform is another important component part that native system is realized.By the typical process that the convenience-for-people fee payment service of comprehensive summary is handled, design has realized several treatment schemees.When the transaction request that terminal is initiated, after the conversion of communication front end processor, transaction request is issued the fee payment service platform.In standard format transaction request communication bag, the fixing transaction code field that comprises, transaction code is corresponding one by one with business function, and the fee payment service platform selects therewith transaction request corresponding service flow template to handle according to transaction code.The operation flow template can be divided into by function: system management class, customer account management class, online service class (for example: inquire about the information trading of paying the fees, the transaction of paying the fees, inquiry transaction details) etc.Treatment scheme comprises by the structure of treatment scheme: local data library inquiry or renewal, third party's inquiry or renewal, host query or renewal, and the combination of above three kinds of structures.
The business processing template is exactly a business processing program, in the program of a flow process, a plurality of parameter judging points are set, the actual business control information that from configuration information, reads exactly of parameter judging point, value in conjunction with the Transaction Information that comprises in the transaction request, come the control flow trend, the actual content of determining deal and handling.
For example, when the user pays the mobile phone rate transaction by terminal, its data trend is: user's input handset number, the amount of money of paying dues, backstage does tentatively to judge and the terminal device validity inspection, send the processing of paying the fees of commmunication company's fare payment system by the third party is preposition after information is correct.
When using terminal, the user initiates to pay the transaction request of mobile phone rate, server is preliminary judges that whether effectively the request of paying the fees after (for example: judge whether phone number length is correct), transaction request communication bag sends to the communication front end processor paying the fees, after carrying out the conversion of internal communication protocol format, be forwarded to intermediate business platform again.The fee payment service platform is according to transaction code in the communication bag, select the operation flow of " transaction request-host process-third party's communication-transaction is replied ", carrying out customer accounting code by data center's main frame on commmunication company's substitute service information transfers with the amount of money of paying dues that moves, the success if pay the fees then initiate third party's communication with commmunication company, notice change telephone expenses remaining sum.Pay the fees after the success, the fee payment service platform is replied the affirmation communication bag of the success of paying dues to the communication front end processor, through the conversion of communication front end processor, is transmitted to the intelligent information terminal server, pays dues successfully at the terminal explicit user, and prints the voucher of paying the fees, whole closing the transaction.
Claims (7)
1. a fare payment system is characterized in that: mainly include: fee payment service platform, intelligent information terminal, intelligent information terminal server, third-party server, communication front end processor, Business Management Platform, data center's main frame and main frame gateway; Wherein, the data of intelligent information terminal server and fee payment service platform are converted to the internal communication agreement, and intelligent information terminal server and fee payment service platform carry out protocol conversion by communication is preposition; The intelligent information terminal server is connected with the fee payment service platform by the communication front end processor; The fee payment service platform is connected with the data center main frame; The accounting processing of fee payment service platform is submitted the accounting processing request to data center's main frame.
Described intelligent information terminal is connected with the intelligent information terminal server, is used to initiate transaction request and receives transaction results;
Described intelligent information terminal server is used for the transaction request that intelligent information terminal is initiated is sent to the fee payment service platform;
Described communication front end processor after being used for intelligent information terminal server transaction request data are carried out protocol translation, is sent to the fee payment service platform with transaction request;
Described fee payment service platform, in be provided with the business flow processing unit, this business flow processing unit carries out business processing according to transaction request, after business processing finished, the fee payment service platform returned the transaction results of the professional pre-process of third party; Initiate if transaction request is an intelligent information terminal, the fee payment service platform will return transaction results to intelligent information terminal, show transaction results on the interface of intelligent information terminal;
Described third party's business is preposition, receives the data of fee payment service platform, handles according to the agreement of third party's agreement transaction request being issued the third party, and receives transaction results;
Described Business Management Platform manages the basic business data, safeguards basic data, functions such as the inquiry printing of form.
2. a kind of fare payment system according to claim 1 is characterized in that, stores the multiple business flow template in the business flow processing unit, is used for fee payment service platform processes transaction request.
3. a kind of fare payment system according to claim 2 is characterized in that, is provided with transaction code in the transaction request, and transaction code is corresponding one by one with business function; The fee payment service platform is according to the operation flow in the transaction code selection different business processing unit.
4. a kind of fare payment system according to claim 1 is characterized in that, the database storing of data center's main frame has the business datum table of each operation flow, business datum table management service configuration parameter.
5. according to claim 3 or 4 described a kind of fare payment systems, it is characterized in that, parameter is set in the operation flow judges, when the fee payment service platform carries out business processing according to operation flow, read the business configuration parameter by the parameter judging point.
6. a kind of fare payment system according to claim 1 is characterized in that: also can include third-party server, be connected with third party's service front-end processor by Fire Wall Module; Third party's service front-end processor carries out the communications protocol conversion between third-party server and fee payment service platform.
7. a kind of fare payment system according to claim 5 is characterized in that: described third-party server is connected with third party's operation system by Fire Wall Module; Third-party server carry out and the fee payment service platform between communications protocol conversion and exchanges data.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101124566A CN102013063A (en) | 2009-09-04 | 2009-09-04 | Payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009101124566A CN102013063A (en) | 2009-09-04 | 2009-09-04 | Payment system |
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| Publication Number | Publication Date |
|---|---|
| CN102013063A true CN102013063A (en) | 2011-04-13 |
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| CN2009101124566A Pending CN102013063A (en) | 2009-09-04 | 2009-09-04 | Payment system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102411760A (en) * | 2011-12-07 | 2012-04-11 | 中国农业银行股份有限公司四川省分行 | Method and system of bank card rechargeable payment over air based on third-party information platform |
| CN102663661A (en) * | 2012-04-10 | 2012-09-12 | 华为技术有限公司 | Health information system |
| CN108768727A (en) * | 2018-05-31 | 2018-11-06 | 康键信息技术（深圳）有限公司 | Access method, electronic device and the readable storage medium storing program for executing of third party's service |
-
2009
- 2009-09-04 CN CN2009101124566A patent/CN102013063A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102411760A (en) * | 2011-12-07 | 2012-04-11 | 中国农业银行股份有限公司四川省分行 | Method and system of bank card rechargeable payment over air based on third-party information platform |
| CN102663661A (en) * | 2012-04-10 | 2012-09-12 | 华为技术有限公司 | Health information system |
| CN102663661B (en) * | 2012-04-10 | 2015-04-22 | 华为技术有限公司 | Health information system |
| CN108768727A (en) * | 2018-05-31 | 2018-11-06 | 康键信息技术（深圳）有限公司 | Access method, electronic device and the readable storage medium storing program for executing of third party's service |
| CN108768727B (en) * | 2018-05-31 | 2023-03-31 | 康键信息技术（深圳）有限公司 | Method for accessing third-party service, electronic device and readable storage medium |
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Application publication date: 20110413 |