CN105488663A - Uniform account settlement gateway capable of supporting various payment aisles - Google Patents

Uniform account settlement gateway capable of supporting various payment aisles Download PDF

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Publication number
CN105488663A
CN105488663A CN201510813159.XA CN201510813159A CN105488663A CN 105488663 A CN105488663 A CN 105488663A CN 201510813159 A CN201510813159 A CN 201510813159A CN 105488663 A CN105488663 A CN 105488663A
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processing
interface
module
request
settlement
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CN201510813159.XA
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Chinese (zh)
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肖宝同
刘凯
欧宇
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成都连银信息技术有限公司
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Publication of CN105488663A publication Critical patent/CN105488663A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party

Abstract

The invention discloses a uniform account settlement gateway capable of supporting various payment aisles. A uniform settlement processing interface receives each function request message from an access commercial tenant account processing system and sends to an account data processing module; the account data processing module looks up a corresponding third-party settlement service platform interface processing module according to a corresponding payment request type and a settlement platform code; a third-party settlement service platform interface module converts an original request message format into the function request message of a third-party settlement service platform interface; the function request message is sent to a third-party settlement service platform through a message sending module; and then, a processing result message of a payment settlement service platform is received, is converted according to the message format of the uniform settlement processing interface and is returned to the access commercial tenant account processing system through the uniform settlement processing interface. The uniform account settlement gateway can realize account processing between the account processing system and a plurality of payment service platforms so as to simplify the operation of the account processing system.

Description

支持多种付款通道的统一账务结算网关 Supports multiple payment channels unified accounting settlement Gateway

技术领域 FIELD

[0001 ]本发明属于电子支付技术领域,更为具体地讲,涉及一种支持多种付款通道的统一账务结算网关。 [0001] The invention belongs to the field of electronic payment technology and, more particularly, to a unified accounting Settlement Gateway supports multiple payment channels.

背景技术 Background technique

[0002]随着互联网的逐渐普及,电子商务技术得以发展,使其逐步成为了互连网应用的最大热点。 [0002] With the increasing popularity of the Internet, e-commerce technology to develop, to grow into the largest hot Internet applications. 为适应电子商务这一市场潮流,电子支付随之发展起来。 In order to meet the market trend of e-commerce, electronic payments has grown with it. 电子支付是指电子交易的当事人,包括消费者、厂商和金融机构,使用安全电子支付手段,通过网络进行的货币支付或资金流转。 Electronic payment means the parties in electronic transactions, including consumers, manufacturers and financial institutions, the use of secure electronic payment means money paid or cash flow through the network. 电子支付是电子商务系统的重要组成部分。 Electronic payment is an important part of e-commerce system. 电子支付的业务类型按电子支付指令发起方式分为网上支付、电话支付、移动支付、销售点终端交易、自动柜员机交易和其他电子支付。 Business type electronic payments by electronic payment instruction is initiated divided into online payment, telephone payment, mobile payment, point of sale terminal transactions, ATM transactions and other electronic payments. 电子支付服务可以由银行提供,也可以由第三方支付平台来提供。 Electronic payment services can be provided by the bank to provide can also be paid by the third party platform.

[0003]由于电子支付的大力发展,电子支付已经从线上扩展到了线下。 [0003] due to the strong development of electronic payments, electronic payments has expanded from online to offline. 除了网络商家,许多实体商户(例如商场、超市、零售商等)也开始采用电子支付,为消费者提供更为灵活的支付方式。 In addition to online retailers, many business entities (such as shopping malls, supermarkets, retailers, etc.) are beginning to use electronic payment, to provide consumers with more flexible payment methods. 在众多的电子支付服务商中,实体商户在向自己的供货商进行相关资金结算时通常为满足财务成本和财务管理需求会选择其中几种结算方式。 Among the many electronic payment service providers, the business entity at the time of settlement funds related to their suppliers tend to choose several of settlement to meet the financial cost and financial management needs. 这是因为各电子支付服务商具有各自的电子支付平台,如果像网络商家一样尽可能多地涵盖各种电子支付方式,实体商户就需要安装很多电子支付软件或电子支付设备,会给财务管理结算带来许多不便和高额财务管理成本。 This is because each has its own electronic payment service provider of electronic payment platform, as if, like merchant network as much as possible to cover a variety of electronic payment methods, business entities will need to install a lot of software, electronic payment or e-payment devices, will give financial settlement management bring a lot of inconvenience and high cost of financial management. 在这种情况下,就需要能够为接入商户提供一点接入便支持多个银行或第三方支付平台的付款通道的资金结算软件。 In this case, we need to be able to provide some access to funds will support the settlement of a number of bank payment gateway software or third-party payment platform to access business.

发明内容 SUMMARY

[0004]本发明的目的在于克服现有技术的不足,提供一种支持多种付款通道的统一账务结算网关,完成账务结算处理系统到多个第三方结算服务平台的账务处理。 [0004] The object of the present invention is to overcome the disadvantages of the prior art, to provide a unified accounting settlement payment gateway that supports a number of channels, complete accounting transaction processing system processing a plurality of third-party billing accounts to the service platform.

[0005]为实现上述发明目的,本发明支持多种付款通道的统一账务结算网关包括统一结算处理接口、账务数据处理模块和结算适配模块,其中: [0005] In order to achieve the above object, the present invention supports multiple payment accounts passage Unified Billing Unified billing gateway comprises processing interface, accounting and billing data processing module adaptation module, wherein:

[0006]统一结算处理接口从接入商户账务处理系统接收各项功能请求报文,并通过预留公钥对报文数据进行验证,验证通过后向请求报文提交至账务数据处理系统;接收账务数据处理模块发送的处理结果报文,反馈给接入商户账务处理系统; [0006] unified interface to the settlement processing received from the access system functions merchant account processing request packets, and verify the data packets by reserving the public key, authentication accounting data processing system to submit to the request packet by ; processing result of message processing module receives data transmitted accounts, access back to the merchant accounts processing system;

[0007]账务数据处理模块接收功能请求报文,从中提取得到对应的支付服务平台和请求类型,在预设的支付服务平台业务表中查询与请求类型和支付服务通道匹配的第三方结算服务平台接口模块,并将请求报文发送到该接口模块;接收接口处理模块发送的处理结果报文,转发给统一结算接口; [0007] The accounting function request processing module receives the data packets, extract to give the corresponding platform and payment service request type, and the type of inquiry and payment service request matches the predetermined channel internet payment service business table third party settlement services platform interface module, and request packets to the interface module; receive interface processing module sends the result message is forwarded to the unified billing interfaces;

[0008]结算适配模块包括包含对应各个第三方结算服务平台的若干个接口处理模块和报文发送模块,其中: [0008] Billing adaptation module comprises a plurality of interface processing module and a message sending module each comprising a corresponding third-party billing service platform, wherein:

[0009]接口处理模块将账务数据处理系统提交的请求报文转换为对应第三方结算服务接口的报文格式,然后提交给报文发送模块;将报文发送模块转发的处理结果报文转换为统一结算处理接口的报文模式,然后发送给账务数据处理模块; [0009] The interface processing module converts the request message accounting data processing system corresponding to the third-party billing filed service interface packet format, and submitted to the message sending module; processing result transmission module forwards packets of the packet converter packet processing mode interface is unified billing, accounting and transmitted to the data processing module;

[0010]报文发送模块将格式转换后的请求报文发送至对应第三方结算服务平台,并将第三方结算服务平台返回的处理结果报文反馈给接口处理模块。 [0010] The request message sending module after transmitting packet format conversion to the corresponding third-party billing service platform, and the processing result returned by the third-party billing service platform back to the packet interface processing module.

[0011 ]进一步地,功能请求报文包括对转账付款请求、资金划转请求、付款状态查看请求、单对账单详细请求、对账单清单查询请求、对账请求。 [0011] Preferably, the function request message includes a request for transfer payment, funds transfer request, a request to view payment status, single request detailed statements, statements of account list query request, reconciliation request.

[0012]进一步地,报文格式转换的方法为:将统一结算处理接口报文中的各个字段与第三方结算服务平台的报文字段一一对应,不能完全对应的字段采用预编码的方式设置固定数据值或固定算法。 [0012] Further, the method for converting the message format: a unified billing processing interface packets each field and packet field service platform one-third-party billing, the corresponding field can not be fully employed precoding provided fixed value data or fixed algorithms.

[0013]本发明支持多种付款结算通道的统一账务结算网关,包括统一结算处理接口、账务数据处理模块和结算适配模块,统一结算处理接口从接入商户账务处理系统接收各项功能请求报文,发送给账务数据处理模块;账务数据处理模块接收功能请求报文,根据对应支付请求类型和结算服务平台编码,查找对应的第三方结算服务平台接口模块,结算适配模块中的第三方结算服务平台接口模块将原始请求报文格式转换为第三方结算服务平台接口的功能请求报文,通过结算适配模块的报文发送模块发送给第三方结算服务平台,然后接收支付结算服务平台的处理结果报文,按照与统一结算处理接口的报文格式进行转换,通过统一结算处理接口返回给接入商户账务处理系统。 [0013] The present invention supports multiple payment gateway Billing Unified billing accounts channels, comprising a unified interface to the settlement processing, accounting and billing data processing module adaptation module, a unified interface to receive the settlement processing from the access merchant account processing system function request message, transmitted to the data processing module accounts; accounting function request processing module receives a data packet, according to a corresponding type of request and payment settlement service platform encoding, searching for a corresponding third-party billing service platform interface module, a billing module adapted the third-party settlement services platform interface module converting the original request packet format is a functional interface to third-party billing service platform request packets sent to the third party settlement services through the internet packet sending module adapted billing module, and receiving a payment the results packet processing and settlement services platform, with conversion in accordance with unified billing processing interface message format, through unified billing processing interface returns to access the merchant account processing system. 本发明作为连接接入商户账务处理系统和支付服务平台的装置,能够实现接入商户的账务处理系统与多个结算服务平台之间的资金结算处理,从而简化账务处理系统的操作,减低账务管理成本。 As the present invention is connected to an access device and merchant payment accounting system processing platform services, financial settlement processing can be realized between the access merchant accounts processing system with a plurality of settlement services platform, thereby simplifying the operation of the accounting processing system, account management to reduce costs.

附图说明 BRIEF DESCRIPTION

[0014]图1是本发明支持多种付款通道的统一账务结算网关的结构图; [0014] FIG. 1 of the present invention is a unified billing accounting gateway supports multiple configuration diagram of a checkout aisle;

[0015]图2是本发明的对账单查询请求处理流程图。 [0015] FIG 2 is a flowchart of the process of the present invention, the bill query request.

具体实施方式 Detailed ways

[0016]下面结合附图对本发明的具体实施方式进行描述,以便本领域的技术人员更好地理解本发明。 [0016] DETAILED DESCRIPTION OF THE DRAWINGS Embodiment of the present invention will be described so that others skilled in the art better understand the present invention. 需要特别提醒注意的是,在以下的描述中,当已知功能和设计的详细描述也许会淡化本发明的主要内容时,这些描述在这里将被忽略。 Need to remind noted that in the following description, when a detailed description of known functions and design may dilute the main content of the present invention, the description here will be ignored.

[0017]图1是本发明支持多种付款通道的统一账务结算网关的结构图。 [0017] FIG. 1 is a configuration diagram of a unified channel supports multiple payment gateway billing accounts of the present invention. 如图1所示,本发明支持多种付款通道的统一账务结算网关包括统一结算处理接口1、账务数据处理模块2和结算适配模块3。 1, the present invention supports more uniform accounting settlement payment gateway channel comprises a unified interface to a settlement processing, accounting and billing data processing module 2 adaptation module 3. 下面分别对各个部分进行说明。 Next, each part will be described separately.

[0018]统一结算处理接口 1从接入商户账务处理系统接收各项功能请求报文,包括对转账付款请求、资金划转请求、付款状态查看请求、单对账单详细请求、对账单清单查询请求、对账请求等,通过预留公钥对报文数据进行验证,验证通过后向请求报文提交至账务数据处理系统;接收结算适配模块发送的处理结果报文,反馈给接入商户账务处理系统。 [0018] 1 receives unified billing processing interface functions merchant account processing system from the access request message, including the transfer request for payment, funds transfer requests, view payment status request, a single request for detailed bills, statements query in Listing request reconciliation request the like, by reserving the public key data of the authentication message, authentication accounting data processing system to submit to the request message by post; settlement processing result packet receiving module adapted to send the feedback to the access merchant accounts processing system. 本实施例中采用128位的RAS非对称双向数字签名的方式进行验证。 Manner as in the RAS 128-bit bidirectional asymmetric digital signature is verified according to the present embodiment.

[0019]账务数据处理模块2接收请求报文,从中提取得到对应的支付服务平台和请求类型,在预设的支付服务平台业务表中查询与请求类型和支付服务通道匹配的第三方结算服务平台的接口处理模块31,并将请求报文发送到该接口处理模块31; [0019] The accounting processing module 2 receives the request data packet, to obtain the corresponding extract payment request type, and the service platform, the query request and payment service channel type preset matching payment service platform business table third-party billing services platform interface processing module 31, and transmits request packets to the interface processing module 31;

[0020]结算适配模块3包括与各个第三方结算服务平台对应的若干个接口处理模块31和报文发送模块32。 [0020] 3 comprises a billing module adapted to various third-party billing service platform with several corresponding interface processing module 31 and a message sending module 32.

[0021]接口处理模块31将账务数据处理系统提交的请求报文转换为对应第三方结算服务接口的报文格式,然后提交给报文发送模块;将报文发送模块转发的处理结果报文转换为统一结算处理接口的报文模式,然后发送给统一结算系统接口。 [0021] interface request message conversion processing module 31 to the data processing system accounting filed third-party billing service interface corresponding to packet format, and submitted to the message sending module; processing result of message sending module forwards packets converted to packet mode unified billing processing interface, and then sent to the unified billing system interface. 本实施例中所使用报文格式转换方法为:将统一结算处理接口报文中的各个字段与对应第三方结算服务平台的报文字段进行一一对应,不能对应上的字段采用预编码的方式设置固定数据值或固定算法赋值,从而实现报文格式的转换,实现协议适配。 The unified billing processing interface mode packets for each field corresponds to one correspondence with the packet field service platform for third-party billing, does not correspond to the fields on the precoding of: message format conversion method used in the examples of the present embodiment setting a fixed value or fixed data assignment algorithm, in order to achieve conversion of packet format, protocol adaptation realized. 该转换方法支持双向转换,即支持统一结算处理接口报文转换对应第三方结算服务平台接口报文和第三方结算服务平台报文转换为统一结算处理接口报文。 The converter supports two-way conversion method, which is to support unified billing processing interface converts the packets corresponding to third-party billing services platform interface messages and convert third-party settlement services for the unified billing platform packet processing interface messages.

[0022]报文发送模块32将格式转换后的请求报文发送至对应第三方结算服务平台,并将第三方结算服务平台返回的处理结果报文反馈给接口处理模块。 [0022] The message sending module 32 after the format conversion request packets to a corresponding third-party billing service platform, and the processing result returned by the third-party billing service platform back to the packet interface processing module.

[0023]为了更好地说明本发明的技术方案,采用对A银行的对账单查询请求作为实例,对本发明的处理过程进行说明。 [0023] To better illustrate the technical solutions of the present invention, use of the bank statement A query request as an example, the process of the present invention will be described. 图2是本发明的对账单查询请求处理流程图。 FIG 2 is a flowchart of the process of the present invention, the bill query request. 如图2所示,本发明统一账务结算网关对对账请求的处理流程包括以下步骤: As shown, the gateway billing accounts unified process flow of the present invention comprises the steps of reconciliation request 2:

[0024] S1:接收接入商户客户端生成对账单查询请求报文,发送至统一结算处理接口。 [0024] S1: receiving an access statement merchant client generates a query request message sent to the unified billing processing interface.

[0025] S2:统一结算处理接口验证报文签名,通过后将报文转发至账务数据处理系模块。 [0025] S2: unified billing processing interface to verify the message signature, forwarded to the accounting department data processing module after the message.

[0026] S3:账务数据处理模块接收对账单查询请求报文,从中提取得到对应的支付服务平台,也就是本实施例中的A银行,以及该请求是对账单查询请求报文,然后在预先存储的支付服务平台接口表中查询得到该请求报文对应的结算适配模块中的第三方结算服务平台接口处理模块,此处假定为接口处理模块B,将对账单查询请求报文转入结算适配模块。 [0026] S3: accounting data processing module receives a request message for billing inquiries, to give the corresponding extract payment service platform, which is the bank A in the present embodiment, and a statement that the request is a query request message, and then pre-stored payment service platform interface table query request message to obtain the corresponding settlement adaptation module in the third-party billing service platform interface processing module, here assumed to be interface processing module B, billing inquiries will be transferred to the request packet settlement adaptation module.

[0027] S4:结算适配模块的接口处理模块B,接收对账单查询请求报文,根据对应的报文格式转换方法将其转换为A银行对应接口报文,提交给报文发送模块。 [0027] S4: interface processing module B billing module is adapted to receive a query request message to the bill, according to the corresponding message format conversion method to convert it to the corresponding interface A bank packets submitted to the message sending module.

[0028] S5:报文发送模块将转换后的报文发送到A银行对应的结算服务平台。 [0028] S5: message sending module transmits the packets converted to the corresponding A bank settlement services internet.

[0029] S6: A银行对对账单查询请求进行处理,即根据对账单查询请求中的商户信息从A银行的数据库中取出对账单,构建对账单报文反馈给报文发送模块。 [0029] S6: A bank statement processing the query request, i.e. taken out bank statements from A database according to the query request statement listing in construct statements packet back to the packet transmission module.

[0030] S7:报文发送模块将对账单报文发送给接口处理模块B; [0030] S7: the message sending module sends the packet to the bill will interface processing module B;

[0031 ] S8:接口处理模块B将对账单报文转换为统一结算处理接口报文格式的转发给账务数据处理模块。 [0031] S8: interface processing module B will packet into a unified bill settlement process interface message format to the accounting data forwarding processing module.

[0032] S9:账务数据处理模块接收到格式转换后对账单报文,直接回传到统一结算处理接口。 [0032] S9: accounting data processing module, after receiving the billing message format conversion, directly back to the unified billing processing interface.

[0033] S10:统一结算处理接口将重构的对账单报文返回给接入商户客户端。 [0033] S10: uniform settlement process interface reconstructed statement the access message back to the merchant client.

[0034]应当指出的是,以上结合附图详细说明了本发明的工作原理,但是本领域的技术人员应该意识到,具体实施方式仅是用于示范地说明本发明,说明书仅是用于解释权利要求书,本发明的保护范围并不局限于说明书。 [0034] It should be noted that the detailed description of the working principle of the present invention described above in conjunction with the accompanying drawings, those skilled in the art will be appreciated that the specific embodiments are merely exemplary for explaining the present invention, the description is merely for explaining claims, the scope of the present invention is not limited to the description. 任何熟悉本技术领域的技术人员在本发明公开的技术范围内,可轻易想到的变化或者替换,都应涵盖在本发明的保护范围之内。 Any skilled in the art in the art within the technical scope of the present disclosure, changes may be easily thought or alternatively, shall fall within the protection scope of the present invention. 因此,本发明的保护范围应该以权利要求书的保护范围为准。 Accordingly, the scope of the present invention, the scope of the claims should prevail.

Claims (3)

1.一种支持多种付款通道的统一账务结算网关,其特征在于,包括统一结算处理接口、账务数据处理模块和结算适配模块,其中: 统一结算处理接口从接入商户账务处理系统接收各项功能请求报文,并通过预留公钥对报文数据进行验证,验证通过后向请求报文提交至账务数据处理系统;接收账务数据处理模块发送的处理结果报文,反馈给接入商户账务处理系统; 账务数据处理模块接收功能请求报文,从中提取得到对应的支付服务平台和请求类型,在预设的支付服务平台业务表中查询与请求类型和支付服务通道匹配的第三方结算服务平台接口模块,并将请求报文发送到该接口模块;接收接口处理模块发送的处理结果报文,转发给统一结算接口; 结算适配模块包括包含对应各个第三方结算服务平台的若干个接口处理模块和报文发送模块,其中: 接口处理 An accounting Unified Billing Gateway supports multiple payment channels, wherein the interface comprises a unified billing processing, accounting and billing data processing module adaptation module, wherein: a unified interface to the settlement processing from the access merchant account processing the system receives the function request message and to verify the message data by reserving the public key, authentication accounting data processing system to submit to the request message by post; processing result of message processing module receives data transmitted accounts, back to the access merchant accounts processing system; accounting function request processing module receives a data packet, to obtain the corresponding extract and internet payment service request type, the type of query request and payment services in the default payment service platform business table channel matching third-party billing service platform interface module, and request packets to the interface module; packet receiving processing result transmission module interface processing, unified billing forwarded to the interface; settlement corresponding to each adaptation module comprises a third-party billing comprising several service platform interface processing module and a message sending module, wherein: the interface processing 块将账务数据处理系统提交的请求报文转换为对应第三方结算服务接口的报文格式,然后提交给报文发送模块;将报文发送模块转发的处理结果报文转换为统一结算处理接口的报文模式,然后发送给账务数据处理模块; 报文发送模块将格式转换后的请求报文发送至对应第三方结算服务平台,并将第三方结算服务平台返回的处理结果报文反馈给接口处理模块。 The block conversion request message accounting data processing system corresponding to the third-party billing filed service interface packet format, and submitted to the message sending module; sending the packet processing module forwards the packet into a unified result of the settlement process interface packet mode, and then transmitted to the accounting data processing module; message sending module after the format conversion request packets to a corresponding third-party billing service platform, and the processing result returned by the third-party billing service platform back to the packet interface processing module.
2.根据权利要求1所述的统一账务结算网关,其特征在于,所述功能请求报文包括对转账付款请求、资金划转请求、付款状态查看请求、单对账单详细请求、对账单清单查询请求、对账请求。 The Unified billing accounting gateway according to claim 1, wherein said function request message comprising a request to transfer payment, funds transfer request, a request to view payment status, a single detail request statement, statement list queries, reconciliation request.
3.根据权利要求1所述的统一账务结算网关,其特征在于,所述报文格式转换的方法为:将统一结算处理接口报文中的各个字段与第三方结算服务平台的报文字段一一对应,不能完全对应的字段采用预编码的方式设置固定数据值或固定算法赋值。 The Unified billing accounting gateway according to claim 1, wherein the packet format conversion method is as follows: The message field unified billing processing interface packets each field with third-party billing service platform correspondence, the corresponding field is not completely precoding data in a fixed manner or fixed assignment algorithm.
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CN1203680A (en) * 1995-11-07 1998-12-30 诺基亚电信公司 System, method and apparatus for performing electric payment transaction in telecommunication network
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