CN109727108A - All-purpose card interconnects allocation settlement system - Google Patents
All-purpose card interconnects allocation settlement system Download PDFInfo
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Abstract
It interconnects allocation settlement system the present invention relates to a kind of all-purpose card, it include: sequentially connected communication transfer subsystem, certification subsystem, trading processing subsystem and database, the business management subsystem and operation management subsystem being connected with database, communication transfer subsystem receives access organization information and the data carried out between trading processing subsystem and each access mechanism are transmitted；Trading processing subsystem encodes and carries out access organization information management to each access general mechanism, and the same files received are parsed according to interface specification, file recombination is carried out according to access mechanism again, allocation settlement processing is carried out according to preset market settlement to the same files after file recombination and financial settlement is handled.Technical solution of the present invention realize domain of provinceing in the trans-regional intercommunication of city one-card, form unified network and data management system framework, solve the problems, such as traditional cities all-purpose card cannot across large area uses, be vast all-purpose card user bring convenience.
Description
Technical field
It interconnects allocation settlement system the present invention relates to technical field of transportation, especially all-purpose card.
Background technique
With the rapid development and popularization and application of electronic information technology, after bus IC card is implemented in more and more cities, city
The people no longer need by bus it is worried for whole money small change, reduce directly contact bank note number, reduce the spread and epidemic of disease, simultaneously
Secondary pick-up time shortens 3 seconds per capita, and the time of vehicle parking and passenger loading is greatly reduced.More than 400 a cities of the country at present
City has issued public transport IC card, and urban is also spontaneous to have carried out region intercommunication.Guangdong Province even realizes inside the province mutually
Join intercommunication, distribution public transport IC card " south of the Five Ridges is logical " can realize intercommunication in 17 districts and cities inside the province and Hong Kong.But it is each at present
The public transport IC card of ground distribution does not follow consistent standard, and spontaneous organization intercommunication between some cities, there are also some cities
Standard used in the public transport IC card in city is substantially voluntarily formulated by IC card operator, hinders public affairs to a certain extent
Hand over the trans-regional use of IC card.
Currently, all-purpose card service level in each department is irregular, and technical maturity gap is larger, each city one in the analysis whole nation
Cartoon application situation, the logical card system in nearly all city are confined in this urban area traffic or other field business scope simultaneously
It is service object with this city permanent resident population, there is region limitation largely.Increasingly with the flowing of resident's cross-region
Frequently, it is more obvious to be limited to the limitation used in this city for city one-card, promotes realize that city one is blocked in a wider context
The logical demand to interconnect is more vigorous, from the angle for promoting trans-city Level-of-Services of Public Transit, establishes the card of city one
It is very necessary for leading to trans-regional intercommunication.
Summary of the invention
It interconnects allocation settlement system the present invention provides a kind of all-purpose card, to solve the logical card system in traditional city
System is confined in this urban area traffic or other field business scope and with this city permanent resident population for service object, exists very big
The problem of region limitation in degree, realize that the trans-regional of city one-card is interconnected.
The technical solution adopted by the present invention to solve the technical problems is:
A kind of all-purpose card interconnects allocation settlement system, including sequentially connected communication transfer subsystem, safety certification
Subsystem, trading processing subsystem and database further include the business management subsystem and operation management being connected with database
Subsystem, the trading processing subsystem are connected with communication transfer subsystem,
The communication transfer subsystem, for receiving access organization information and carrying out trading processing subsystem and each access machine
Data transmission between structure；
The certification subsystem, for carrying out safety certification processing to access organization information and same files；
The trading processing subsystem, for each access general mechanism being encoded and being carried out access organization information management, and
The same files received are parsed according to interface specification, then by the same files after parsing according to access mechanism
File recombination is carried out, allocation settlement processing and wealth are carried out according to preset market settlement to the same files after file recombination
Business settlement process；
The database, for store each access organization information, same files and allocation settlement processing result and
Financial settlement processing result；
The business management subsystem, for providing the inquiry of online downloading data, allocation settlement number for city networking mechanism
It is investigated that inquiry and/or fund business reconciliation；
The operation management subsystem, for providing the configuration and management service of system.
Preferably, the data transmission of the communication transfer subsystem includes off-line file transmission, online message transmissions, He Sheng
Center and transmission of interconnecting with portion center.
Preferably, the trading processing subsystem records the data letter of the same files received according to processing requirement
It ceases and is parsed according to interface specification；Basic examination, the basic inspection are carried out to data according to the inspection rule of configuration simultaneously
Look into and verified including same files repeatability, then by the same files of the parsing after Basic examination according to access mechanism into
Part of composing a piece of writing recombinates.
Preferably, the trading processing subsystem to this, handed over using first clearing the mode verified afterwards inside the province by processing data
Easy Generating Data File and file issue.
Preferably, the trading processing subsystem carries out carrying out result after allocation settlement processing blending, and to not being inconsistent situation
Sorting is handled again after the adjustment；Carrying out financial settlement processing includes being summarized and for the fund of transaction data from access
Mechanism obtains hierarchical relationship, and carries out simultaneously account netting settlement process according to Funding Type, according still further to billing cycle rule and clearing
Granularity carries out clearing statistical disposition, carries out settlement fund according to all kinds of clearing statistical disposition results and transfers.
Preferably, after the trading processing subsystem carries out allocation settlement processing and financial settlement processing, also progress reconciliation
Processing, reconciliation processing reconciliation and national centre's reconciliation, Error disposal, mistake arbitration and statement service inside the province.
Preferably, the trading processing subsystem encodes and carries out access organization information management to each access general mechanism,
Also clear service parameter and intercommunication white list.
It preferably, further include rights management subsystem and report configuration subsystem, the rights management subsystem and report
Configuration subsystem is connected with database, is respectively used to rights management and report form statistics service.
Preferably, allocation settlement result is imported into database after the trading processing subsystem progress allocation settlement processing,
Summarize for netting, the data basis of settlement management, report form statistics and reconciliation service, also progress clearing rules management.
Preferably, the certification subsystem include carry out message package conversion, mac authentication, TAC verifying, and/or it is online
Key obtains.
The invention has the advantages that interconnecting allocation settlement system the present invention provides a kind of all-purpose card, if setting
Dry mutually specific connection and the subsystem to cooperate, especially trading processing subsystem, each access general mechanism is encoded and
Access organization information management is carried out, that completes to dock with this system to all branch's information managements inside the province and outside the province connects
Enter organization information management, and the same files received are parsed according to interface specification, is particularly suitable for offline transaction
The reception of data file is handled, and realizes the parsing storage and classification distribution of data, the same files after parsing are according to access
Mechanism carries out file recombination, and to be sent to corresponding card sending mechanism, transaction data can be according to agreement format to access inside the province
Card sending mechanism be classification, produce same files, and be sent to corresponding card sending mechanism, transaction data can also be according to outside the province
Agreement format, which is summarised in, is sent collectively to national centre, to the same files after file recombination according to preset market settlement
Allocation settlement processing and financial settlement processing are carried out, this makes it possible to realize the trans-regional intercommunication of city one-card in province domain, is formed
Unified network and data management system framework, solve the problems, such as traditional cities all-purpose card cannot across large area use, be
Vast all-purpose card user brings conveniently.
The realization of traffic integrated can effectively improve inner city traffic circulation environment, continue to optimize urban transportation knot
Structure constructs reasonable transport development mode, promotes region Public Transport Trade that the collection of Social benefit and economic benefit is integrally formed
At change operation, coordination based on specialization, information system management, diversification property right, the modernization industrial structure of branding service.Traffic one blocks
As long as the construction of way system so that all card holder's one card in hands, no matter any jurisdiction city, inner city, suburban country and district or
No matter rural area takes city public transport, taxi or intercity long-distance passenger transportation, rail traffic, can enjoy the visitor of equalization
Transport payment services.Achieve the effect that shorten space-time, change people live, in terms of traditional concept, to commercial, trip
Trip, shopping etc. create conditions, promote fund, technology, the talent, information, labour multi-communication, reach resource in region most
Excellent configuration plays optimum efficiency, meets multi-party demand.And realize interconnecting for trans-city domain, public transport can be significantly improved
Service quality attract Public choice transit trip, and can effectively solve the problem that city to promote the propulsion of " public traffic in priority "
City's traffic congestion, deterioration of the ecological environment etc. restrict the bottleneck problem of urban sustainable development, improve civil plantation quality.
Detailed description of the invention
Fig. 1 is that all-purpose card of the present invention interconnects the architecture diagram of allocation settlement system.
Fig. 2 is that all-purpose card of the present invention interconnects the preferred architecture figure of allocation settlement system.
Fig. 3 is that all-purpose card of the present invention interconnects allocation settlement system business process figure.
Specific embodiment
Technical solution of the present invention is described in detail with reference to the accompanying drawing.
It interconnects allocation settlement system, specifically, system architecture as shown in Figure 1 the present invention relates to a kind of all-purpose card
Figure, including sequentially connected communication transfer subsystem, certification subsystem, trading processing subsystem and database further include
The business management subsystem and operation management subsystem being connected with database, trading processing subsystem and communication transfer subsystem
It is connected；Communication transfer subsystem, for receiving access organization information and carrying out between trading processing subsystem and each access mechanism
Data transmission；Certification subsystem, for carrying out safety certification processing to access organization information and same files；It hands over
Easy to handle subsystem, for each access general mechanism being encoded and being carried out access organization information management, and to the number of deals received
It is parsed according to file according to interface specification, then the same files after parsing is subjected to file recombination according to access mechanism,
Allocation settlement processing is carried out according to preset market settlement to the same files after file recombination and financial settlement is handled；Number
According to library, for storing each access organization information, same files and allocation settlement processing result and financial settlement processing knot
Fruit；Business management subsystem, for for city networking mechanism provide online downloading data inquiry, allocation settlement data query and/
Or fund business reconciliation, including system data maintenance function, operation information maintenance function, transaction detail query function, report look into
Ask function, cut batch facility, blacklist management function day etc.；Operation management subsystem, for providing configuration and the pipe of system
Reason service.
Wherein, the entire all-purpose card of communication transfer subsystem responsible interconnects allocation settlement system and external each access machine
Data transmission between structure, the all-purpose card allocation settlement system that interconnects are also referred to as liquidation center's system, access mechanism
It can be referred to as access unit, therefore also being understood as is between communication transfer subsystem responsible liquidation center's system and each access unit
Data transmission, it is main including off-line file transmission, online message transmissions and province center and and portion center the biography that interconnects
It is defeated.According to traffic all-purpose card business characteristic, the data for saving systems exchange are mainly offline data file.For off line business number
According to, need to consider data composing document be transmitted be utmostly reduce system operation cost and improve efficiency of transmission, including
File delivering path: server process is provided in network mechanism and accesses the exchange files of mechanism, is provided on public network
Website uploads for access mechanism, downloads file；The specification of file transmission: it by formulating file transmission specification, is assisted based on TCP/IP
View carries out file transmission, effective to guarantee transmission stability and reliability.
All-purpose card interconnects between allocation settlement system and each access mechanism mainly using transmitting data file as number
According to the mode of exchange.Data exchange is mainly realized: 1 data receiver: being received from external file, is submitted to trading processing subsystem
System or internal other subsystems use；2 data are sent: the file that trading processing subsystem or other internal subsystems generate is sent out
Give external network unit；3 maintenance documentation information tables are used for center or other internal subsystems.
Data receiver: fusion all-purpose card interconnect allocation settlement system province's card system as communication server
End receives the data file of each access mechanism active upload, saves card system at this time as passive recipient, can be described as counting
According to reception server.Data collection server monitors lower end system to the connection request of particular communication port by process of waiting for,
When end system, guarantee the legitimacy of system access under access to realize, for the client being successfully accessed by this method, data
It receives server and creates the subsequent data exchange of special service processes completion and data processing work for it.Save card system
The source for receiving data includes the city system of access, national centre's system.Data type include transaction data, reconciliation data,
The parameters such as blacklist and white list.System is first unified to carry out school to requestor's identity by security authentication module after receiving request
It tests, confirms that it requests identity whether legal, verification carries out data receiver by respective request, interrupts if not passing through proof of identity
Request.
Data are sent: it saves after card system (all-purpose card interconnect allocation settlement system) receives same files,
It will carry out the parsing processing such as storage in system, and according to card issuer's code of transaction data by transaction data classification recombination
Afterwards, actively it is forwarded to corresponding target mechanism (i.e. access mechanism), it is desirable that the system of target mechanism, which should have, actively receives data
Ability, to guarantee that data can be transmitted in time.Target mechanism is this card issuer inside the province, then the data after recombinating will be direct
It is sent in the hair fastener method, system and carries out verification processing；If target mechanism is not this card issuer inside the province, the data after recombination
It will be forwarded to national centre's system, corresponding hair fastener method, system be forwarded to by national centre and carries out verification processing.In data forwarding
In the process, the raw data file of upload may be split and be reassembled as multiple subfiles, be forwarded to different mechanisms respectively,
National centre's platform registers and safeguards these the file informations.Data transmission is that province's card system is actively initiated, it is desirable that other side
System has reception answering.All external requests require to be managed collectively layer to quilt by externally calling unified management layer
Initiator's identity logical algorithm is responsible for, and system intra subsystem logical layer only needs to pay close attention to logical process.
Trading processing subsystem records the data information of the same files received and according to interface according to processing requirement
Specification is parsed；Basic examination is carried out to data according to the inspection rule of configuration simultaneously, the Basic examination includes number of deals
It is verified according to file repeatability, then the same files of the parsing after Basic examination is subjected to file recombination according to access mechanism.
To this, processing data use the mode first cleared and verified afterwards to carry out same files to trading processing subsystem inside the province
It generates and file issues, specifically include access management function, data exchanging function, data clearance function.
For access management function: with the increase for accessing mechanism inside the province, card sending mechanism and acquirer are linked into and save one
Cartoon system carries out authorization and filing and registration, only examines the mechanism passed through by national centre, can just be linked into this province
Card system.It mainly include organization information management for accessing the management of mechanism, it is also preferable to include clearing operation parameter and mutually
Logical white list:
Organization information management is main to complete access organization information management, specifically includes all branch's message tubes inside the province
Reason and the organization information management docked outside the province with this system.Organization information includes essential information, such as organization names, contact person, connection
It is address, telephone number, postcode etc.；It further include related service information, such as mechanical properties and bank account.Organization information
Integrality and correctness, can the system allocation settlement of will affect smoothly execute.Imperfect or incorrect, the possibility of organization information
Lead to allocation settlement failure or terminates.The major function of organization information management include: mechanism essential information inquiry, increase, modification,
It deletes, export；The inquiry of institution business information increases, modification, deletes, export；Increase, modification, the audit for deleting function；Mechanism
Between level relational query, increase, modification, releasing.Organization information management requires to carry out Unified coding to each access mechanism, to mechanism
Essential information is safeguarded, while the classification and inter-agency relationship between superior and subordinate of recording mechanism, corresponding organizational construction are tree-like knot
Structure, mechanism number are organization names abbreviation, and format is not strictly required.
Clearing operation parameter includes mechanism capital settlement management, specifically includes the clearing of management service mechanism, including clearing side
Formula, account information, billing cycle；Service charge maintenance configures service charge collecting mode, mechanism shares in the benefit that is, according to type of transaction
Information；It further include mechanism reconciliation service management, the reconciliation file etc. of reconciliation mode and downloading including management service mechanism.Clearance
Service parameter meets multiple business requirement, specifically includes: support comes into force to clearing rules and the configuration of out-of-service time；Support opponent
The flexible configuration for the rate that continues to pay dues；It supports to carry out personalized hair fastener for card sending mechanism and acquirer to share in the benefit, receive and singly share in the benefit
Configuration；Support the configuration of networking mechanism access；Support the configuration of clearance process running environment parameter.
Trading processing subsystem limits card issuer's range of intercommunication using white list mode.Reach mutually with province center
The Institution Code of the card issuer of logical agreement will enter the intercommunication white list of this province.Trading processing subsystem is by intercommunication white list to join
Number file is issued to originally in all terminals that interconnect inside the province, and card sending mechanism code belonging to these terminal recognition subscriber cards is white
In list, that is, allow to carry out consumer sale.If refusing to use not in white list.Allocation settlement system of the present invention is set as
Automatically white list is issued when the daily morning 9, direct-connected networking mechanism can extract white by the data switching port of allocation settlement system
Name monofile.It adds or deactivates if any white list, while allocation settlement system can issue a separate notice direct-connected networking at the daily morning 9
Mechanism.It includes the inquiry operation supported to white list information that intercommunication white list, which meets business need, when the daily morning 9 after synchronize it is white
Name monofile imported into database.
Clear function for data: saving card system (all-purpose card interconnect allocation settlement system) essence is a receipts
Single-turn connects the platform with sorting, carries out parsing storage and basic verification for the transaction of receiving, and be transferred to corresponding mechanism
Final payment verification is carried out, carries out blending processing according to verification result and settlement of transactions is handled.The specific packet of allocation settlement processing
Include trading processing, data recombination, allocation settlement processing and clearing rules management.
(1) trading processing
Trading processing subsystem responsible handles the long-distance consuming IC card transaction sent in all city systems, trading processing
System includes transaction dispatcher and the big function of business processing two.The target of consumer sale processing is parsing, storage, classification distribution.It is negative
The processing of strange land same files and the registration of transaction record are blamed, strange land is traded and is separated by card issuer, so as to will be different
Ground transaction data exchanges to the processing of target cities system.Data separating processing is the Mission critical applications part at sorting center.It
Complete the group packet of initial data inspection, transaction log and transaction data registration storage, consumer sale distribution of document.Offline transaction number
It according to file after communicating preamble reception, needs to carry out document analysis, becomes single transaction record verifying TAC, then just carry out
Account Disposal.Therefore offline transaction data file will be responsible for processing by a parsing process, and call certification subsystem complete
It is verified at TAC, is then forwarded to corresponding Service Processing Module and carries out Account Disposal.Offline transaction can carry out batch processing,
To improve system process performance.Trading processing further includes that user is submitted and audit the processing of error data passed through.
Card system is saved to the same files received, dissection process is carried out according to interface specification and is put in storage.Save one
Cartoon system during processing, needs to carry out some basic inspection processing: 1, card sending mechanism and acquirer verifying；2, block
The legitimate verification of BIN；3, transaction data repeatability is verified.It is verified in the treatment process for saving card system intransitable
Transaction, will not participate in business recombination forwarding, but directly during the acquirer reconciliation with the transaction, labeled as refusing
It pays, and informs error reason.Pass through the transaction for saving card system inspection, then enters clearance process.
In the technical solution of the present invention, the management of configuration of transaction data file follows following agreement: 1, supporting communication breakpoint
Resume function.After communication re-establishes, from current breakpoint send, without sending from the beginning.2, in file not
Energy band has null, in order to check conveniently, is separated between the record and record in same files using the carriage return character.3, in order to protect
Card file is not repeated transmission, and the file sent is moved on to backup directory after being sent completely.4, connection time-out, due to transmitting object
Manage the unreliability of medium, it may appear that connect the situation of time-out.It must setting overtime interrupt.Time-out time setting 30s-60s it
Between.5, to guarantee to provide communication efficiency, single message includes packet length, it is necessary to be less than or equal to 4096 bytes.Actual size asks root
According to the MTU setting of the equipment of network.
(2) data recombination
It saves card system to need the transaction data after parsing, according to different card sending mechanisms (as access mechanism) point
Not carry out file recombination, then re-send to corresponding card sending mechanism.It is all heavy for the transaction data of card sending mechanism outside the province
Group together, is sent to national centre's system.National centre's system is likely to be received new transaction data at any time, and data recombination can
In a manner of being initiated by timing or be carried out at any time.
Data recombination meets following business need: 1. inside the province transaction data be classification with card sending mechanism according to agreement format,
Same files are produced, and are sent to corresponding card sending mechanism；2. transaction data summarizes together according to agreement format outside the province,
It is sent to national centre；3. same files can upload transmission in real time, data production can be initiated with timed task or by hand
Mode is recombinated.
(3) allocation settlement is handled
Allocation settlement processing be also referred to as clearance processing, trading processing subsystem carry out allocation settlement processing when, sorting with
Data are related, settle accounts related to fund.Cash flow and data flow can be separation.Card system is saved to hand over strange land inside the province
Easy data are handled according to the allocation settlement that card issuer's code is concentrated.In transaction data treatment process, (hair between implementation mechanism
Mechanism for card and acquirer) transaction sorting processing.Sorting between province card system incumbent institution, acquirer to its quotient
The sorting at family inside each acquirer by completing.
Sorting handles the clearance parameter being arranged according to system, carries out charging to the transaction of all card sending mechanisms and acquirer
Clearance.Sorting charging object includes card sending mechanism, acquirer, system for settling account itself etc..It needs to carry out result after the completion of sorting
It blends, sorting again can be carried out after not being inconsistent adjustment such as.The result of sorting imports database, summarizes as next step netting, settles accounts
Management, report form statistics, the data basis of reconciliation service.
(4) clearing rules management
Clearing rules are formulated and are safeguarded by saving, and sorting is according to mainly Institution Code, type of transaction, rate etc..Sorting
Processing result be calculated according to these rules each mechanism it is receivable or deal with capital, service charge, the numerical value such as share in the benefit, and count on
On the balancing account of each mechanism.
Major function includes capital clearance regulation management, service charge clearance regulation management etc..Capital clears regulation management: really
The fundamental of set pattern then includes type of transaction, transaction initiator's code (receiving party), trading account side's code (payer), row
Industry type, inside the province, outside the province etc..Service charge clears regulation management: mainly setting service charge flow direction/ratio of each transaction, determines and save
Interior formality rate and outside the province formality rate, transaction transprovincially carry out collecting a certain proportion of rate according to capital, acquirer,
Card issuer, national centre's system (ministerial level card system) are allocated.It is substantially to collect service fee to acquirer,
Ministerial level card system (also referred to as national centre's system) and card issuer are allocated.Due to for transaction transprovincially, in the whole nation
It feels concerned about system and fund sorting has been carried out.When save card system as acquirer and national centre's system access when, need by
The service charge that card system is collected is saved, is collected to single-pass card company is received；As card issuer and national centre's system docking
When, hair Cartoon card company is given in the service charge revenue outturn for needing to save distribution, saves the angle that card system assumes responsibility for secondary sorting
Color.Transaction inside the province saves card system and directly carries out sorting processing.Clearing rules management meets following business need: 1. with
Each mechanism is classification, calculate its it is receivable or deal with capital, service charge, the numerical value such as share in the benefit, and opened up in the form of statements
Show.2. showing capital liquidation method, service charge liquidation method, and can be adjusted.
Financial settlement processing
It includes being summarized and for the fund of transaction data from connecing that trading processing subsystem, which carries out financial settlement processing,
Enter mechanism and obtain hierarchical relationship, and simultaneously account netting settlement process is carried out according to Funding Type, according still further to billing cycle rule and knot
It calculates granularity and carries out clearing statistical disposition, carry out settlement fund according to all kinds of clearing statistical disposition results and transfer.
Card system is saved in clearing form according to service conditions, has daily reconciliation, daily liquidating and monthly closing, the moon clear monthly closing entry etc.
Various ways, therefore, during actual operation, data sorting is separated with account clearing.That is: card system and each is saved
Mechanism is accessed daily to an account, and transferring for fund is then carried out according to the specified period.Specifically, card system is saved in account
It mainly include that market settlement management, clearing statistical disposition, settlement fund such as transfer at the functions in clearing.
(1) market settlement management: market settlement management generally refers mainly to the setting of billing cycle, settles accounts setting for main body granularity
It sets, settlement data processing method etc..Clearing are to reduce caused by clearing excessive cycle generally using day as the period of minimum particle size
Mistake is cleared, if necessary to which billing cycle setting function can be used using week, the moon as period unit, the settle accounts calculation period is set.
Clearing main body granularity refers to that clearing statistics is sub-divided into the main body of which kind of rank, such as acquirer, card sending mechanism, in each rank
Main body, be required to that the capital settlement account number of the main body is arranged.
Market settlement management meets following business need: 1. provide province's settlement platform account management initial account for networking mechanism
Number and password, the capital settlement account number of the main body need to be associated with.2. the setting of billing cycle period can be carried out, can be with the week moon
Period unit is settled accounts.
(2) netting settlement process: and account netting is summarized for capital, service charge and other fees, it will be from mechanism
Its hierarchical relationship is extracted in information, and simultaneously account and netting are carried out according to Funding Type.Settling accounts statistical disposition function is according to clearing
Periods rules, clearing granularity, data processing method, periodically automatically generate clearing statistical report.
Financial settlement process flow can include: 1. clearing supplemental characteristics are loaded into, and sorting data are loaded into.2. a day statistics summarizes.
3. pair meeting the acquirer of capital billing cycle condition, card sending mechanism capital is settled accounts.4. pair meeting capital billing cycle
The acquirer of condition, card sending mechanism service charge are settled accounts.Final all kinds of clearing statistical disposition results will be used as the allocation of the funds
Foundation.
After trading processing subsystem carries out allocation settlement processing and financial settlement processing, also progress reconciliation processing is described right
Account processing reconciliation and national centre's reconciliation, Error disposal, mistake arbitration and statement service inside the province.
(1) reconciliation inside the province: saving card system needs and accesses progress data reconciliation between mechanism, and completion is with province and respectively
Clearance result between access mechanism is checked, and guarantees both sides' account balance.It saves card system and issues settlement file to each
Mechanism is accessed, access mechanism carries out reconciliation.
Reconciliation inside the province meets following business need: 1. support to transprovincially, trans-city data hair fastener, accept ground, allocation settlement
Mechanism is divided into charging.2. supporting that the rounding rule process of wholesale price expense is such as rounded up, rounds up, is rounded downwards.3.
Hold the setting to wholesale price expense currency type, such as dollar, RMB, Euro.
(2) with national centre's reconciliation: save all-purpose card need with national centre carry out reconciliation.It specifically includes that
Settlement data file process: after receiving the reconciliation data file of national centre, reconciliation data file is solved
Analysis, blends the data in raw data file, and records date of settlement inside the province, total amount, total stroke count, the correct amount of money, correct
Stroke count, the mistake amount of money, mistake stroke count.
The processing of false transaction detailed data: after receiving false transaction detailed data, the wrong detail received being put in storage,
And according to Settlement Date, type of transaction statistics make mistake stroke count and the amount of money it is total.And it can be with mistake in day reconciliation statistical data file
Accidentally the stroke count amount of money compares.The parsing result to these data is found out according to the critical field in wrong detailed data simultaneously, is such as sent out
It is existing inconsistent, then the wrong detail of storage is marked, so as to the foundation appealed and adjusted as account.
The processing of mistake adjustment detailed data: after receiving adjustment detailed data, according to the information of adjustment detailed data
Corresponding error message is updated to adjust, and the amount of money adjusted is also registered into storage.And according to Settlement Date, class of trading
Type counts adjustment stroke count and the amount of money.The console query display data, and can be with the adjustment in day reconciliation statistical data file
The stroke count amount of money compares.
Reconciliation processing receives the standard reconciliation file of each external agency, and is responsible for blending daylight trading, thus complete
At the checking work of the data such as transaction, service charge, it is ensured that data are unanimously accurate, provide corresponding reconciliation in time for mechanism
Data.
(3) Error disposal: error processing subsystem is responsible for transaction inconsistent between allocation settlement system and external agency
Adjustment.Transaction mistake and abnormality processing are exactly discovery reconciliation mistake, settlement data exception during reconciliation, or in capital settlement
After situations such as finding suspicious transaction, and to the process that these mistakes and abnormal data are handled.
Transaction mistake and abnormal conditions are divided into three classes: 1. verification of datas between card sending mechanism occurred during reconciliation are not
Reconciliation mistake caused by symbol.2. the settlement data for carrying out inter-agency appearance is abnormal after reconciliation confirmation.3. confirming in clearing
Afterwards, card sending mechanism or user propose that suspicious transaction adjust the abnormal trading processing of account.
After mistake complaint initiator files an application, determine that refusal is handled after allowing by corresponding receiving party, at mistake
It manages in rule range and negotiates after determining processing scheme, accounting affairs adjustment processing, ginseng will be carried out to mistake transaction by saving card system
With the capital settlement of next batch.
Error disposal meets following business need: 1. support that span inquires this transaction mistake and abnormality processing report by date
Table.2. the excel table of transaction mistake and abnormality processing report is supported to show, and it can export and print.3. supporting permission
Control, can only check the report for oneself having permission and checking.
(4) mistake is arbitrated: when the processing result that acquirer or card sending mechanism trade for the mistake of mechanism application
After the evidence for having objection and having uploaded one's own side, saves card system and arbitrated according to business rule by mistake, decided whether
Whether the application for the side of granting an application, i.e. mistake transaction are adjusted to arm's length dealing.
(5) statement service: bill is the clothes that province's card system is supplied to the access mechanisms at different levels for needing reconciliation
Business, the data in each mechanism and respective system hook pair, achievable transaction, service charge, the data such as share in the benefit checking work, really
It is unanimously accurate to protect data.Statement is to complete after sorting data result and calculating shares in the benefit, and finally completes and provides to mechanism
Billing files.The transmission form billing files of statement.
All-purpose card of the present invention interconnect allocation settlement system certification subsystem be used for access organization information and
Same files carry out safety certification processing, including carry out message package conversion, mac authentication, TAC verifying, and/or online key
It obtains.Certification subsystem and encryption equipment (or encrypted card) complete the TAC (Transaction of transaction jointly
Authentication Code) or MAC (Message Authentication Code) certification.Certification subsystem is it
The bridge of his subsystem and encryption equipment (or encrypted card), including TAC certification and MAC authentication service, authentication processing service and encryption
Machine (or encrypted card) carries out socket communication.Communication transfer subsystem or trading processing subsystem send the data for needing to verify
Authentication processing service is given, data are turned according to the data message format of encryption equipment (or encrypted card) by authentication processing service
It changes, encryption equipment (or encrypted card) is sent to by data message, authentication result is finally returned into other subsystems (at transaction
Reason subsystem) continue to handle.
The present invention relates to all-purpose card interconnect allocation settlement system further include rights management subsystem and report configuration son
System, optimum decision system architecture diagram as shown in Figure 2, rights management subsystem and report configuration subsystem are connected with database, point
Not Yong Yu rights management and report form statistics service, predominantly provincial allocation settlement system manager provides the configuration of system, pipe
Reason service, meets daily management needs.Trading processing subsystem, which passes through, to be connected using routing with database, trading processing subsystem
Carry out clearance service, batch processing service, mistake service etc..Entire all-purpose card interconnects each subsystem in allocation settlement system
It cooperates, realizes the trans-regional intercommunication of city one-card in province domain.
Fig. 3 is that all-purpose card of the present invention interconnects allocation settlement system (abbreviation allocation settlement system) business process map.?
Allocation settlement system in the embodiment can be divided into practical application operation entity (public transport/taxi etc.), downtown, in province
The heart and four, ministerial level center level, each level can complete the clearing in corresponding level, which level are specifically applied to
Type depending on customer transaction: user occurs transprovincially to trade, then it is complete to be uploaded to ministerial level allocation settlement system for respective transaction information
At settle accounts calculation transprovincially；Trans-city transaction occurs for user, then it is trans-city clear to be uploaded to provincial allocation settlement system completion for respective transaction information
Clearing；City transaction occurs for user, then purse transaction management system receives terminal and transmits the pertinent transaction information to come up, to local
City's difference public transport, across the company consumption of metro company carry out allocation settlement processing.Transaction Information is by including public transport POS machine and subway
The terminal of POS machine is acquired and is communicated up, and is sent in data to prefecture-level allocation settlement system and is carried out local settle accounts calculation, provincial to settle accounts
Calculation system is responsible for transaction settle accounts calculation trans-city inside the province, and ministerial level allocation settlement system is responsible for settle accounts calculation of transprovincially trading, and realizes to different use
The allocation settlement step by step of the data of family type of transaction, while the clearance data that high-level allocation settlement system is completed can be handed down to
Low-level allocation settlement system, so that synchronization of the Transaction Information between different levels allocation settlement system is checked with checking.
Provincial allocation settlement system has been gathered system and has been matched by the system work of internal each subsystem and associated databases
Set, fund sorting clearance, capital settlement, file forwarding etc. functions.Provincial allocation settlement system receives prefecture-level allocation settlement system
The clearance data of system are being cleared according to first clear posterior mode, simultaneously inside the province by its internal trading processing subsystem
It submits and transprovincially clears data to ministerial level allocation settlement system, by internal trading processing subsystem the first clear posteriority mould of ministerial level
Formula is integrated into provincial allocation settlement system.Provincial allocation settlement system provides excess reserve management, clearly for city the business accounting center
Calculate Error disposal, on-line transaction forwarding, the functions such as service inquiry.Provincial allocation settlement system is provided for clearing operation simultaneously
Configuration and administration feature.Final clearance result is by carrying out the clearing of online account with banking system.
Specifically, in this system application process, user passes through the completions such as public transport POS, subway POS machine or other terminals payment
Transaction, transaction data acquisition are uploaded to applied to the trading processing subsystem in prefecture-level allocation settlement system, trading processing
System parses the payment data received, different to this city simultaneously public by province center is uploaded to across districts and cities or inter-trade data
It hands over, across the company consumption of metro company progress allocation settlement processing, province center, which utilizes, to be applied in provincial allocation settlement system
The data that trading processing subsystem uploads prefectures and cities carry out identification dissection process, and consumption data transprovincially is uploaded in ministerial level
The heart, while allocation settlement processing is carried out across the consumption of districts and cities to this province, ministerial level center, which utilizes, is applied to ministerial level allocation settlement system
The data that interior trading processing subsystem uploads each province carry out identification dissection process, carry out allocation settlement to consumption data transprovincially
Processing, while clearing transactions record in each province's is issued, so as to internal system reconciliation verification.
It should be pointed out that specific embodiment described above can make those skilled in the art that the present invention be more fully understood
It creates, but do not limit the invention in any way is created.Therefore, although this specification creates the present invention referring to drawings and examples
It makes and has been carried out detailed description, it will be understood by those skilled in the art, however, that still can modify to the invention
Or equivalent replacement, in short, the technical solution and its improvement of all spirit and scope for not departing from the invention, should all contain
It covers in the protection scope of the invention patent.
Claims (10)
- The allocation settlement system 1. a kind of all-purpose card interconnects, which is characterized in that including sequentially connected communication transfer subsystem, Certification subsystem, trading processing subsystem and database, further include the business management subsystem being connected with database and Operation management subsystem, the trading processing subsystem are connected with communication transfer subsystem,The communication transfer subsystem, for receive access organization information and carry out trading processing subsystem and each access mechanism it Between data transmission；The certification subsystem, for carrying out safety certification processing to access organization information and same files；The trading processing subsystem, for each access general mechanism being encoded and being carried out access organization information management, and to receipts To same files parsed according to interface specification, then by after parsing same files according to access mechanism carry out File recombination carries out allocation settlement processing according to preset market settlement to the same files after file recombination and finance is tied Calculation processing；The database, for storing each access organization information, same files and allocation settlement processing result and finance Settlement process result；The business management subsystem, for providing the inquiry of online downloading data for city networking mechanism, allocation settlement data are looked into Inquiry and/or fund business reconciliation；The operation management subsystem, for providing the configuration and management service of system.
- 2. all-purpose card interconnects allocation settlement system according to claim 1, which is characterized in that the communication transfer subsystem The data transmission of system include off-line file transmission, online message transmissions and province center and and portion center transmission of interconnecting.
- The allocation settlement system 3. all-purpose card according to claim 1 or claim 2 interconnects, which is characterized in that the trading processing Subsystem records the data information of the same files received and is parsed according to interface specification according to processing requirement；Together When Basic examination carried out to data according to the inspection rule of configuration, the Basic examination includes that same files repeatability is tested Card, then the same files of the parsing after Basic examination are subjected to file recombination according to access mechanism.
- 4. all-purpose card interconnects allocation settlement system according to claim 3, which is characterized in that the trading processing subsystem Uniting, using first clearing, the mode verified afterwards carries out same files generation and file issues to data are originally handled inside the province.
- 5. all-purpose card interconnects allocation settlement system according to claim 3, which is characterized in that the trading processing subsystem Progress result is blent after system carries out allocation settlement processing, and sorting is handled again after the adjustment to situation is not inconsistent；Carry out financial knot Calculation processing includes being summarized for the fund of transaction data and obtaining hierarchical relationship from access mechanism, and according to Funding Type Simultaneously account netting settlement process is carried out, clearing statistical disposition is carried out according still further to billing cycle rule and clearing granularity, according to all kinds of knots Statistical disposition result progress settlement fund is calculated to transfer.
- 6. all-purpose card interconnects allocation settlement system according to claim 5, which is characterized in that the trading processing subsystem After system carries out allocation settlement processing and financial settlement processing, also progress reconciliation processing, reconciliation processing inside the province reconciliation, with the whole nation Center reconciliation, Error disposal, mistake arbitration and statement service.
- The allocation settlement system 7. all-purpose card according to claim 1 or claim 2 interconnects, which is characterized in that the trading processing Subsystem encodes and carries out access organization information management, also clearance service parameter and intercommunication white list to each access general mechanism.
- 8. all-purpose card interconnects allocation settlement system according to claim 6, which is characterized in that further include rights management System and report configuration subsystem, the rights management subsystem and report configuration subsystem are connected with database, use respectively In rights management and report form statistics service.
- 9. all-purpose card interconnects allocation settlement system according to claim 8, which is characterized in that the trading processing subsystem System carry out allocation settlement processing after by allocation settlement result import database, summarize for netting, settlement management, report form statistics with And the data basis of reconciliation service, also progress clearing rules management.
- 10. all-purpose card interconnects allocation settlement system according to claim 1, which is characterized in that safety certification System includes carrying out message package conversion, mac authentication, TAC verifying, and/or online key to obtain.
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| CN112200579A (en) * | 2020-09-30 | 2021-01-08 | 广东岭南通股份有限公司 | Clearing processing method and system for cross-organization incomplete transaction |
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| CN113656517B (en) * | 2021-09-03 | 2023-06-06 | 中国联合网络通信集团有限公司 | Account checking file processing method and device, electronic equipment and storage medium |
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Application publication date: 20190507 |