CN108537520B - Method and device for accessing third-party payment transaction - Google Patents
Method and device for accessing third-party payment transaction Download PDFInfo
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- CN108537520B CN108537520B CN201710123729.1A CN201710123729A CN108537520B CN 108537520 B CN108537520 B CN 108537520B CN 201710123729 A CN201710123729 A CN 201710123729A CN 108537520 B CN108537520 B CN 108537520B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
Abstract
The embodiment of the invention relates to the field of finance, in particular to a method and a device for accessing third-party payment transaction, which are used for accessing third-party payment transaction. In the embodiment of the invention, a bank system receives a transaction request message sent by a third-party payment platform; the bank system generates a third-party payment transaction request message according to the transaction request message, wherein the third-party payment transaction request message comprises third-party payment information and transaction message information; and the bank system sends the third-party payment transaction request message to a bank channel processing subsystem of the credit card system through the online service integration platform, so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information, and the credit card system of the Unionpay data is accessed to the third-party payment transaction.
Description
Technical Field
The embodiment of the invention relates to the field of finance, in particular to a method and a device for accessing third-party payment transaction.
Background
Credit cards are a very rapidly growing financial transaction today that can be traded in a range of ways to replace traditional currency. A credit card, which is a mainstream credit card, is a bank card issued by a bank to an individual or an entity and given a certain credit limit to a card holder. With the rapid development of third-party payment platforms such as payment treasures and financial payment communications, more and more terminals initiate online transactions through the third-party payment platforms. The Unionpay data credit card system does not reserve a third-party payment transaction channel, and in order to improve user experience, the Unionpay data credit card system is imperative to access the third-party payment transaction.
For the access of the unionpay data credit card system to the third-party payment transaction, one of the most commonly adopted methods in the prior art is to add a third-party payment transaction channel processing subsystem in the unionpay data credit card system, and use the third-party payment transaction channel processing subsystem as an independent third-party payment transaction channel to access the unionpay data credit card system. Another approach is to create a special system that handles third party payment transactions and incorporate it into the Unionpay data credit card system. Although the third party payment transaction can be supported to a certain extent by adding a third party payment transaction channel or building a special system specially for processing the third party payment transaction, the following problems exist: although a special system specially used for processing third-party payment transaction does not need to be additionally built in the method for adding the third-party transaction channel, the modification of the Unionpay data credit card system is too large, so that huge workload is caused, the reliability of the credit card system is reduced, and the modification cost is greatly increased; and although the method for combining a new special system specially used for processing third-party payment transaction with the Unionpay data credit card system has little change on the credit card system, the manufacturing, operating and maintaining costs caused by the new special system specially used for processing the third-party payment transaction are extremely expensive.
In summary, in the method for accessing the union pay data credit card system to the third party payment transaction in the prior art, the problem that the reconstruction of the union pay data credit card system is too large due to the access to the third party payment transaction channel, and the manufacturing, operating and maintaining costs are extremely expensive due to the newly built special system for specially processing the third party payment transaction is solved by an effective method.
Disclosure of Invention
The embodiment of the invention provides a method and a device for accessing a third-party payment transaction, which are used for solving the problems that in the prior art, the reconstruction of a Unionpay data credit card system is too large due to the access of a third-party payment transaction channel, and the manufacturing, operation and maintenance costs are extremely high due to the newly built special system for specially processing the third-party payment transaction.
The embodiment of the invention provides a method for accessing a third party payment transaction, which comprises the following steps:
the bank system receives a transaction request message sent by a third party payment platform;
the bank system generates a third-party payment transaction request message according to the transaction request message, wherein the third-party payment transaction request message comprises third-party payment information and transaction message information;
and the bank system sends the third-party payment transaction request message to a bank channel processing subsystem of the credit card system through the online service integration platform so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information.
Optionally, the third party payment information includes a third party payment identification and third party payment transaction processing requirements.
Optionally, the method further comprises:
the bank system receives a third party payment transaction response message sent by the online service integration platform; the third party payment transaction response message is generated by the bank channel processing subsystem at least according to the third party payment transaction processing requirement;
and the bank system sends the third-party payment transaction response message to the third-party payment platform.
The embodiment of the invention also provides another method for accessing third party payment transaction, which comprises the following steps:
the credit card system receives a third party payment transaction request message sent by the online service integration platform; the third-party payment transaction request message is generated by the bank system according to the transaction request message sent by the third-party payment platform, and comprises third-party payment information and transaction message information;
and the bank channel processing subsystem of the credit card system at least processes the third-party payment transaction request message according to the third-party payment information.
Optionally, the third party payment information includes at least 60.2.5, 91, 108.5 fields in the ISO8583 message.
The embodiment of the invention provides a device for accessing third party payment transaction, which comprises:
a first transmission unit: the system comprises a payment platform, a transaction request message and a payment processing module, wherein the payment platform is used for receiving the transaction request message sent by the third party payment platform;
a generation unit: the third-party payment transaction request message is generated according to the transaction request message and comprises third-party payment information and transaction message information;
a processing unit: and the bank channel processing subsystem is used for sending the third-party payment transaction request message to the credit card system through the online service integration platform so as to enable the bank channel processing subsystem to process the third-party payment transaction request message according to the third-party payment information.
Optionally, the third party payment information includes a third party payment identification and third party payment transaction processing requirements.
Optionally, the method further comprises:
a receiving unit: the system comprises a third party payment transaction response message used for receiving the third party payment transaction response message sent by the online service integration platform; the third party payment transaction response message is generated by the bank channel processing subsystem at least according to the third party payment transaction processing requirement;
a second transmitting unit: and the third party payment transaction response message is sent to the third party payment platform.
The embodiment of the invention also provides another device for accessing third party payment transaction, which comprises:
a third transmitting unit: the system comprises a third party payment transaction request message used for receiving the third party payment transaction request message sent by the online service integration platform; the third-party payment transaction request message is generated by the bank system according to the transaction request message sent by the third-party payment platform, and comprises third-party payment information and transaction message information;
a processing unit: and the third party payment transaction request message is processed at least according to the third party payment information.
Optionally, the third party payment information includes at least 60.2.5, 91, 108.5 fields in the ISO8583 message.
The embodiment of the invention provides a method and a device for accessing third-party payment transaction.A bank system receives a transaction request message sent by a third-party payment platform; the bank system generates a third-party payment transaction request message according to the transaction request message, wherein the third-party payment transaction request message comprises third-party payment information and transaction message information; and the bank system sends the third-party payment transaction request message to a bank channel processing subsystem of the credit card system through the online service integration platform so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information. In the embodiment of the invention, a third-party payment platform is connected with a bank system, the bank system receives a transaction request message sent by the third-party payment platform, and the bank system generates the third-party payment transaction request message according to the transaction request message in a mode of enabling the third-party payment transaction to run an internal system channel, wherein the third-party payment transaction request message comprises third-party payment information and transaction message information; the bank system sends the third-party payment transaction request message to the bank channel processing subsystem of the credit card system through the online service integration platform, so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information, access of the third-party payment transaction can be achieved only by processing the received transaction request message through the bank system, namely, the credit card system and the bank system are not greatly improved, access of the Unionpay data credit card system to the third-party payment transaction can be achieved only by processing the transaction request message through the bank system and processing the received third-party payment transaction request message through the credit card system, and labor and financial costs are greatly reduced.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings that are required to be used in the description of the embodiments will be briefly described below.
FIG. 1 provides a schematic diagram of a prior art method for accessing a third party payment transaction according to an embodiment of the present invention;
fig. 2 is a schematic flow chart of a credit card system accessing a third party payment transaction according to an embodiment of the present invention;
fig. 3 is a flowchart illustrating a method for accessing a third party payment transaction according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of an apparatus for accessing a third party payment transaction according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of another apparatus for accessing a third party payment transaction according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more clearly apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
To more clearly illustrate the problems of the prior art, a brief description will be given below of a method of creating a new set of special system for specially processing third party payment transactions in the prior art and incorporating the system into a Unionpay data credit card system. Fig. 1 is a schematic diagram illustrating an exemplary method for accessing a third party payment transaction according to the prior art, as shown in fig. 1. In fig. 1, the prior art adopts a new set of special system, namely a third-party channel processing subsystem, which specially processes third-party payment transactions, and incorporates the third-party channel processing subsystem into a credit card system. The third-party payment platform is in butt joint with the online service integration platform, the online service integration platform is responsible for centralized control of online transaction service access channels, the credit card system completes consumption, transfer, query and other services of the credit card, and the third-party channel processing subsystem is generated by transformation of the credit card system and completes processing of third-party payment transactions.
Then, the specific third party transaction processing flow is as follows:
1. the third-party payment platform sends a transaction request message to the online service integration platform;
2. the online service integration platform forwards the received transaction request message to a credit card system;
3. after receiving the transaction request message, the credit card system transfers the received transaction request message to a third-party channel processing subsystem;
4. the third-party channel processing subsystem integrates all parameters of the received transaction request message to judge whether the authorization is successful or not according to the received transaction request message, if the authorization is successful, a response message of successful authorization is returned to the online service integration platform, and if the authorization is not successful, a response message of failed authorization is returned to the online service integration platform;
5. and after receiving the response message sent by the credit card system, the online service integration platform forwards the response message to the third-party payment platform.
The method of creating a special system specially for processing the third-party payment transaction, namely a third-party channel processing subsystem, and incorporating the third-party channel processing subsystem into the credit card system makes the manufacturing, operation and maintenance costs caused by modifying the credit card system extremely expensive and impractical.
One method adopted in the prior art is to add a third-party payment transaction channel processing subsystem in a unionpay data credit card system, and take the third-party payment transaction channel processing subsystem as an independent third-party payment transaction channel to access the unionpay data credit card system; another approach is to create a special system that handles third party payment transactions and incorporate it into the Unionpay data credit card system. The approaches taken in the prior art have all made significant changes to the credit card system.
In order to avoid the problem of high labor and financial cost caused by the significant modification of a credit card system of the UnionPay data, the technical scheme of the invention adopts the mode of butting a third-party payment platform with a bank system and finishing the access of the credit card system to a third-party payment transaction through a system channel in the third-party payment transaction walking. Fig. 2 schematically illustrates a flow chart of the credit card system accessing the third party payment transaction according to the embodiment of the invention, as shown in fig. 2. In fig. 2, the credit card system does not need to add a third party channel processing subsystem, but the bank channel processing subsystem is slightly modified to add support for the processing of third party payment transactions. In order to enable the credit card system to be smoothly accessed into third-party payment transaction, the inventor notices that some special message domains which can be customized exist in the ISO8583 message interface specification, and the credit card system can be accessed into the third-party payment transaction through the customized message domains without adding a third-party payment transaction channel processing subsystem or building a special processing system specially used for processing the third-party payment transaction to the credit card system. The third party payment transaction message can be composed of a inline normal transaction message and a special message domain, the third party payment transaction is accessed to the credit card system through an original inline channel, and the credit card system judges whether the inline transaction or the third party payment transaction is carried out according to the specific content of the special message domain.
For example, the definition of the special message domain is as follows: the message 60.2.5 is sent with "15" in the field, "9" in the field 91 and "C" in the field 108.5. Wherein, the message 60.2.5 field is sent with "15" to indicate the third party payment transaction, and the credit card system needs to modify the flag bit aiming at the third party payment transaction, so that the credit card system can identify the transaction; sending '9' in the message 91 field indicates that the consumption password is not checked, and because the third party payment is mostly non-magnetic and non-password transaction, the password is not checked when the cardholder carries out the third party payment transaction by the form of sending '9' in the message 91 field; sending 'C' in the 108.5 field of the message indicates intra-row special channel transaction, and distinguishing the specific third party payment transaction accounting type by sending 'C' in the 108.5 field of the message. The third party payment transaction messages combined by the intra-row common transaction and the special domain are sent to the credit card system, so that the credit card system can access the third party transaction.
Fig. 3 is a schematic flow chart illustrating a method for accessing a third party payment transaction according to an embodiment of the present invention, as shown in fig. 3, including the following steps:
s101: the bank system receives a transaction request message sent by a third party payment platform;
s102: the bank system generates a third-party payment transaction request message according to the transaction request message, wherein the third-party payment transaction request message comprises third-party payment information and transaction message information;
s103: the bank system sends the third-party payment transaction request message to a bank channel processing subsystem of the credit card system through the online service integration platform so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information;
s104: the credit card system receives a third party payment transaction request message sent by the online service integration platform;
s105: a bank channel processing subsystem of the credit card system at least processes a third-party payment transaction request message according to third-party payment information;
s106: the bank system receives a third party payment transaction response message sent by the online service integration platform;
s107: and the bank system sends the third-party payment transaction response message to the third-party payment platform.
In S101, the banking system receives a transaction request message sent by the third-party payment platform, and in a specific implementation, for the transaction request message sent by the third-party payment platform, the banking system may select which transaction request message or transaction request messages in the transaction request message sent by the third-party payment platform are received according to needs, for example, the transaction request message sent by the third-party payment platform includes transaction time, transaction amount, transaction currency, and the like, and the banking system may select only two items of the transaction time and the transaction currency according to needs, that is, the banking system determines to receive the transaction request message sent by the third-party payment platform, so that pressure of the banking system on processing data may be reduced, and efficiency is improved. In addition, in the specific implementation, which bank system receives the transaction request message sent by the third party payment platform is determined by the bank bound by the third party payment platform, for example, the third party payment platform is bound by a card of a civil bank, and then the third party payment platform sends the transaction request message to the civil bank system.
In S102, the banking system generates a third party payment transaction request message according to the transaction request message, where the third party payment transaction request message includes third party payment information and transaction message information, and specifically, the banking system generates a third party payment transaction request message according to the transaction request message sent by the third party payment platform, where the third party payment transaction request message includes third party payment information and transaction message information, and the third party payment information includes a third party payment identifier and a third party payment transaction processing requirement. In specific implementation, for example, the consumption transaction request message sent by the third party payment platform is generated by the inline front-end processor of the banking system according to the consumption transaction request message sent by the third party payment platform according to the ISO8583 specification, and the generated third party payment transaction request message may also be sent special domain message information such as some flag bits, for example, 60.2.5 domains, 91 domains, and 108.5 domains in the ISO8583 message, besides the ordinary consumption transaction message such as transaction time, transaction amount, transaction currency, transaction terminal number, and the like, and is used for distinguishing inline transaction from third party payment transaction.
In S103, the bank system sends the third-party payment transaction request message to the bank channel processing subsystem of the credit card system through the online service integration platform, so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information. In specific implementation, after receiving the third party payment transaction request message, the bank channel processing subsystem determines whether the third party payment transaction request message is a common inline transaction request message or a third party payment transaction request message, and after identifying that the third party payment transaction request message is a third party payment transaction request message according to the third party payment identifier, the bank channel processing subsystem processes the third party payment transaction request message according to the third party payment transaction processing requirement, if the third party payment transaction request message includes 60.2.5 domain upload "15", 91 domain upload "9", and 108.5 domain upload "C", then the bank channel processing subsystem 60.2.5 domain upload "15", 91 domain upload "9", and 108.5 domain upload "C" information processing message to generate a third party payment transaction response message, and the third party payment transaction response message includes transaction time, transaction amount, transaction currency, transaction terminal number, success or failure response message, non-verification bank card password, And the bank channel processing subsystem sends the third-party payment transaction response message to the credit card system, and the credit card system sends the third-party payment transaction response message to the online service integration platform.
In S105, the bank channel processing subsystem of the credit card system processes the third-party payment transaction request message at least according to the third-party payment information. The third party payment information at least comprises 60.2.5 fields, 91 fields and 108.5 fields in an ISO8583 message, and besides the information, the third party payment information also can comprise a third party payment identifier and a third party payment transaction processing requirement. In specific implementation, the bank channel processing subsystem processes the third party payment transaction request message according to at least processing requirements of 60.2.5, 91 and 108.5 domains in the ISO8583 message, and if the third party payment transaction request message is sent with '15' in 60.2.5 domain, '9' in 91 domain and 'C' in 108.5 domain, the bank channel processing subsystem processes the third party payment transaction request message without verifying the bank card password and the specific third party payment transaction billing type is the consumption type.
In S106, the bank system receives the third party payment transaction response message sent by the online service integration platform and in S107, the bank system sends the third party payment transaction response message to the third party payment platform. The third-party payment transaction response message is generated by the bank channel processing subsystem at least according to the third-party payment transaction processing requirement; and the bank system sends the third-party payment transaction response message to the third-party payment platform. In specific implementation, after the bank system receives the third-party payment transaction response message sent by the online service integration platform, the bank system can uniquely determine whether to send the response message to the third-party payment platform according to transaction time, transaction amount, transaction currency and transaction terminal number in the third-party payment transaction response message, and if yes, the bank system also sends the successful or failed response message, the unverified bank card password, specific third-party payment transaction accounting types such as consumption types and the like to the third-party payment platform.
The specific third party payment transaction access process is as follows:
1. the bank system receives a transaction request message sent by a third party payment platform;
2. the bank system generates a third party payment transaction request message according to the received transaction request message and according to ISO8583 message interface specification;
3. the bank system sends the generated third-party payment transaction request message to a bank channel processing subsystem of the credit card system through the online service integration platform;
4. the bank channel processing subsystem generates a third-party payment transaction response message according to the received third-party payment transaction request message and the third-party payment transaction processing requirement, and forwards the generated third-party payment transaction response message to the credit card system;
5. the credit card system sends the received third-party payment transaction response message to the online service integration platform;
6. the online service integration platform sends the received third-party payment transaction response message to the bank system;
7. and the bank system sends the third-party payment transaction response message to the third-party payment platform.
In order to better understand the technical scheme of the invention, a specific implementation scenario is described. The example of payment on the Taobao website by the user is described, and the specific description is as follows:
(1) when a user selects an article on the Taobao network and needs to spend 100 yuan, and clicks to confirm payment, a payment detail page which is a page appears; (2) at this time, the banking system receives a transaction request message sent by a third party payment platform, and generates a third party payment transaction request message according to the transaction request message, wherein the third party payment transaction request message includes third payment information and transaction message information, the third payment information includes a third party payment identifier and a third party payment transaction processing requirement, the transaction message information includes an inline system general transaction message and custom special message fields in the ISO8583 specification, such as 60.2.5 field, 91 field, and 108.5 field, and sends "15" in 60.2.5 field, "9" in 91 field, and "C" in 108.5 field, the inline system general transaction message may be an inline system consumption transaction message, and the consumption transaction message includes transaction time, transaction amount, transaction currency, transaction terminal number, and the like; (3) the bank system sends the third-party payment transaction request message to a bank channel processing subsystem of the credit card system through the online service integration platform; (4) the bank channel processing subsystem identifies to process the third-party payment transaction request message according to the third-party payment identification, and can also judge that the third-party payment transaction request message is not a common inline transaction message according to '15' sent from 60.2.5 field in the transaction message information; (5) the bank channel processing subsystem records the transaction time as a condition for searching for problems later; assuming that the payment limit of the bank card before the user is 10000 Yuan and 8000 Yuan is consumed, the user spends 100 Yuan in the consumption limit, so that a response message of successful consumption can be generated; assuming that the currency is single currency according to the transaction currency, the normal condition is also met; the transaction terminal number is also assumed to be in accordance with the condition of normal use of the user; generating a response message without verifying the bank card password and a consumption transaction response message according to the '9' sent in the 91 field and the 'C' sent in the 108.5 field; (6) the bank channel processing subsystem transfers the third party payment transaction response message generated in the step (5) to a credit card system, the credit card system transfers the third party payment transaction response message to the online service integration platform, and the online service integration platform transfers the third party payment transaction response message to the bank system; (7) the bank system sends the third-party payment transaction response message to the third-party payment platform; (8) the user may see a page where payment was successful at the third party payment platform. The process from the user clicking to confirm that one page, namely the payment detail page, appears for payment to the page that the user sees the payment is successful is realized, and only a few seconds or even shorter time is needed.
Compared with the prior art that the third party payment transaction channel processing subsystem is added to generate the problem that the cost for manufacturing, operating and maintaining is extremely high due to the fact that the Unionpay data credit card system is greatly improved or a special system special for processing the third party payment transaction is newly built, the technical scheme of the invention does not greatly improve the credit card system, the third party payment platform is connected with the bank system, the access of the credit card system to the third party payment transaction is completed in the form of a system channel in the third party payment transaction running, the bank channel processing subsystem in the bank system and the credit card system is only slightly improved, the special domain message is only added into the original common transaction message in the bank system, the bank channel processing subsystem is added with the function of identifying whether the bank common transaction or the third party payment transaction and the processing function of processing the third party payment transaction, the labor and financial costs associated with the modifications made to the banking channel processing subsystems in the banking and debit card systems are not significant.
The embodiment of the invention provides a method for accessing a third party payment transaction, wherein a bank system receives a transaction request message sent by a third party payment platform; the bank system generates a third-party payment transaction request message according to the transaction request message, wherein the third-party payment transaction request message comprises third-party payment information and transaction message information; and the bank system sends the third-party payment transaction request message to a bank channel processing subsystem of the credit card system through the online service integration platform so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information. In the embodiment of the invention, a third-party payment platform is connected with a bank system, the bank system receives a transaction request message sent by the third-party payment platform, and the bank system generates the third-party payment transaction request message according to the transaction request message in a mode of enabling the third-party payment transaction to run an internal system channel, wherein the third-party payment transaction request message comprises third-party payment information and transaction message information; the bank system sends the third-party payment transaction request message to the bank channel processing subsystem of the credit card system through the online service integration platform, so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information, access of the third-party payment transaction can be achieved only by processing the received transaction request message through the bank system, namely, the credit card system and the bank system are not greatly improved, access of the Unionpay data credit card system to the third-party payment transaction can be achieved only by processing the transaction request message through the bank system and processing the received third-party payment transaction request message through the credit card system, and labor and financial costs are greatly reduced.
Based on the same conception, the device for accessing the third party payment transaction provided by the embodiment of the invention, as shown in fig. 4, includes a first sending unit 201, a generating unit 202, and a processing unit 203. Wherein:
the first transmission unit 201: the system comprises a payment platform, a transaction request message and a payment processing module, wherein the payment platform is used for receiving the transaction request message sent by the third party payment platform;
the generation unit 202: the third-party payment transaction request message is generated according to the transaction request message and comprises third-party payment information and transaction message information;
the processing unit 203: and the bank channel processing subsystem is used for sending the third-party payment transaction request message to the credit card system through the online service integration platform so as to enable the bank channel processing subsystem to process the third-party payment transaction request message according to the third-party payment information.
Optionally, the third party payment information includes a third party payment identification and third party payment transaction processing requirements.
Optionally, the method further comprises:
the receiving unit 204: the system comprises a third party payment transaction response message used for receiving the third party payment transaction response message sent by the online service integration platform; the third party payment transaction response message is generated by the bank channel processing subsystem at least according to the third party payment transaction processing requirement;
second transmitting section 205: and the third party payment transaction response message is sent to the third party payment platform.
The embodiment of the present invention further provides another device for accessing a third party payment transaction, as shown in fig. 5, the device includes a third sending unit 301 and a processing unit 302. Wherein:
third transmitting section 301: the system comprises a third party payment transaction request message used for receiving the third party payment transaction request message sent by the online service integration platform; the third-party payment transaction request message is generated by the bank system according to the transaction request message sent by the third-party payment platform, and comprises third-party payment information and transaction message information;
the processing unit 302: and the third party payment transaction request message is processed at least according to the third party payment information.
Optionally, the third party payment information includes at least 60.2.5, 91, 108.5 fields in the ISO8583 message.
From the above, it can be seen that: the embodiment of the invention provides a device for accessing third-party payment transaction, wherein a bank system receives a transaction request message sent by a third-party payment platform; the bank system generates a third-party payment transaction request message according to the transaction request message, wherein the third-party payment transaction request message comprises third-party payment information and transaction message information; and the bank system sends the third-party payment transaction request message to a bank channel processing subsystem of the credit card system through the online service integration platform so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information. In the embodiment of the invention, a third-party payment platform is connected with a bank system, the bank system receives a transaction request message sent by the third-party payment platform, and the bank system generates the third-party payment transaction request message according to the transaction request message in a mode of enabling the third-party payment transaction to run an internal system channel, wherein the third-party payment transaction request message comprises third-party payment information and transaction message information; the bank system sends the third-party payment transaction request message to the bank channel processing subsystem of the credit card system through the online service integration platform, so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information, access of the third-party payment transaction can be achieved only by processing the received transaction request message through the bank system, namely, the credit card system and the bank system are not greatly improved, access of the Unionpay data credit card system to the third-party payment transaction can be achieved only by processing the transaction request message through the bank system and processing the received third-party payment transaction request message through the credit card system, and labor and financial costs are greatly reduced.
It should be apparent to those skilled in the art that embodiments of the present invention may be provided as a method, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (10)
1. A method of accessing a third party payment transaction, comprising:
the bank system receives a transaction request message sent by a third party payment platform;
the bank system generates a third party payment transaction request message according to the transaction request message, wherein the third party payment transaction request message comprises third party payment information and transaction message information;
and the bank system sends the third-party payment transaction request message to a bank channel processing subsystem of a credit card system through an online service integration platform so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information.
2. The method of claim 1, wherein the third party payment information includes a third party payment identification and third party payment transaction processing requirements.
3. The method of claim 2, further comprising:
the bank system receives a third party payment transaction response message sent by the online service integration platform; the third party payment transaction response message is generated by the bank channel processing subsystem at least according to the third party payment transaction processing requirement;
and the bank system sends the third-party payment transaction response message to the third-party payment platform.
4. A method of accessing a third party payment transaction, comprising:
the credit card system receives a third party payment transaction request message sent by the online service integration platform; the third-party payment transaction request message is generated by the bank system according to a transaction request message sent by a third-party payment platform, and comprises third-party payment information and transaction message information;
and the bank channel processing subsystem of the credit card system at least processes the third-party payment transaction request message according to the third-party payment information.
5. The method of claim 4, wherein the third party payment information includes at least 60.2.5, 91, 108.5 fields in an ISO8583 message.
6. An apparatus for accessing a third party payment transaction, the apparatus disposed in a banking system, comprising:
the first sending unit is used for receiving a transaction request message sent by a third-party payment platform;
the generating unit is used for generating a third party payment transaction request message according to the transaction request message, wherein the third party payment transaction request message comprises third party payment information and transaction message information;
and the processing unit is used for sending the third-party payment transaction request message to a bank channel processing subsystem of a credit card system through an online service integration platform so that the bank channel processing subsystem processes the third-party payment transaction request message according to the third-party payment information.
7. The apparatus of claim 6, wherein the third party payment information includes a third party payment identification and third party payment transaction processing requirements.
8. The apparatus of claim 7, further comprising:
the receiving unit is used for receiving a third party payment transaction response message sent by the online service integration platform; the third party payment transaction response message is generated by the bank channel processing subsystem at least according to the third party payment transaction processing requirement;
and the second sending unit is used for sending the third-party payment transaction response message to the third-party payment platform.
9. An apparatus for accessing a third party payment transaction, the apparatus disposed in a credit card system, comprising:
the receiving unit is used for receiving a third party payment transaction request message sent by the online service integration platform; the third-party payment transaction request message is generated by the bank system according to a transaction request message sent by a third-party payment platform, and comprises third-party payment information and transaction message information;
and the processing unit is used for processing the third-party payment transaction request message at least according to the third-party payment information.
10. The apparatus of claim 9, wherein the third party payment information includes at least 60.2.5, 91, 108.5 fields in an ISO8583 message.
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| CN111091358B (en) * | 2019-12-16 | 2024-04-16 | 中国建设银行股份有限公司 | Unified processing method and system for multiple payment channels |
| CN111835749B (en) * | 2020-07-07 | 2022-09-02 | 上海通联金融服务有限公司 | Method for realizing access of single UnionPay system to multiple credit card systems |
| CN111861491B (en) * | 2020-07-24 | 2023-09-22 | 中国工商银行股份有限公司 | Information verification method, device and equipment |
| CN113450217A (en) * | 2021-06-25 | 2021-09-28 | 未鲲(上海)科技服务有限公司 | Transaction request processing method and device, electronic equipment and storage medium |
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