CN109829708A - A kind of transaction processing system - Google Patents

A kind of transaction processing system Download PDF

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Publication number
CN109829708A
CN109829708A CN201910153485.0A CN201910153485A CN109829708A CN 109829708 A CN109829708 A CN 109829708A CN 201910153485 A CN201910153485 A CN 201910153485A CN 109829708 A CN109829708 A CN 109829708A
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account number
transaction
network
account
data format
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CN201910153485.0A
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CN109829708B (en
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邵阔义
夏智
曹辉
王笑
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Abstract

The problem of in the prior art, different trade networks need to be equipped with the respective network equipment, and repeatability investment is larger, occupy more network equipment resource.The invention discloses a kind of transaction processing system, which includes: the transaction request for accepting equipment and obtaining user of the first trade network;Equipment is accepted, the first transaction message including the first account number is generated according to transaction request according to the first data format of the first trade network;It accepts equipment to be sent to the first transaction message, the interconnecting device of the first trade network and the second trade network;First transaction message is converted to the second transaction message according to the second data format of the second trade network and the default transformation rule of the first data format according to the mapping relations of the first account number and the second account number by interconnecting device;Second transaction message is sent to by interconnecting device, the server of corresponding second trade network of the second account number, to the processing of the second transaction message.

Description

A kind of transaction processing system
Technical field
The present invention relates to trading processing field more particularly to a kind of transaction processing systems.
Background technique
Under the prior art, each trade network independently disposed, independent operating, independent maintenance, for example certain market is supported simultaneously The means of payment of a variety of Account Types such as Citizen Card Item, prepaid card, bank's integral, Citizen Card Item, prepaid card, bank's points account operation Side needs to accept equipment what the market laid corresponding trade network respectively.
Accepting terminal or the accepting server needs in market are set up with the background server of each trade network respectively to be based on The exchange network of special line or public network, different industries account need respectively to trade company's settlement fund, offer reconciliation file, market operation Management difficulty is larger, network repeated construction higher cost, the larger waste for causing network equipment resource.
Therefore, in the prior art, different trade networks need to be equipped with the respective network equipment, and repeatability investment is larger, account for It is a urgent problem to be solved with more network equipment resource.
Summary of the invention
The embodiment of the present application provides a kind of transaction processing system, solves in the prior art, and different trade networks need It is equipped with the respective network equipment, repeatability investment is larger, the problem of occupying more network equipment resource.
The embodiment of the present application provides a kind of transaction processing system, which includes:
Equipment is accepted, for obtaining the transaction request of user;The transaction request includes that the user hands over described first First account number of easy network;The second account number of first account number and the user in the second trade network maps;
It is described to accept equipment, for the first data format according to first trade network, according to the transaction request, Generate the first transaction message including first account number;
It is described to accept equipment, it is handed over for first transaction message to be sent to first trade network and described second The interconnecting device of easy network;
The interconnecting device, for the second data format and first data format according to second trade network Default transformation rule, first transaction message is converted into the second transaction message;Wherein, it is wrapped in second transaction message Include second account number with first account number mapping;
The interconnecting device, for second transaction message to be sent to corresponding second transaction of second account number The server of network, to second transaction message processing.
Optionally, the interconnecting device is also used to:
According to the second account number corresponding time of reception, duration and transmission mode are received, receives second transaction The transaction journal data of network;
The first transaction report is generated according to the transaction journal data according to default statement form;
Third transaction message is generated according to the first transaction report according to first data format;The third transaction report Text includes first account number;
The equipment that accepts is also used to:
Receive the third transaction message;According to the default transformation rule, the third transaction message is converted into institute State the 4th transaction message of the second data format;4th transaction message includes second account number;
4th transaction message is forwarded to the corresponding terminal device of second account number, to set in the terminal For according to the default statement form, the first transaction report is shown.
Optionally, the interconnecting device is also used to:
It receives to draw from the server of second trade network and pays funds request;It includes to described that described stroke, which is paid funds request, User draws the amount of money paid;
Funds request is paid according to described stroke, if meeting the condition of user's agreement, in the way of user agreement, It carries out and account is with after folding account processing, the fund of the amount of money is drawn and pays extremely second account number.
Optionally, the interconnecting device is also used to:
The level password of the user is obtained, is preset if the level password is less than or equal to by verifying and the amount of money Amount of money threshold value, it is determined that meet the condition of user's agreement;
If the level password is greater than the preset cost threshold value by verifying and the amount of money, exports and obtain the use The solicited message of the secondary password at family.
Optionally, the mapping relations in the default transformation rule are as follows:
First account number of first data format is reflected with second account number of second data format It penetrates;
Second field of the first field of first data format and second data format maps;First word Section is either field in first data format, and second field is either field in second data format.
Optionally, the mapping relations in the default transformation rule further include:
First internet protocol address of the interconnecting device and the second IP address of the server map;
First IP address is that the interconnecting device is after receiving first transaction message, according to described first The virtual ip address of account number dynamic generation.
Optionally, the second field of the first field of first data format and second data format maps, tool Body includes:
First field is the first character string, the first check code and the first variable for including in first data format Middle either field;
Second variate-value of first character string and second data format maps;
Second character string maps of first check code and second data format;
First variable and the second check code of second data format map.
Optionally, first account number is the user corresponding account number in the first account section;Second account Family number is the user corresponding account number in the second account section;
The first account section is the format range of user account number in first trade network;Described second Account section is the format range of user account number in second trade network.
Optionally, the equipment that accepts is specifically used for:
The transaction request is obtained from bank account carrier;
The bank account carrier is entity card or electronic two-dimensional code.
Optionally, the interconnecting device is also used to:
Monitor whether the server returns processing acknowledgement information to second transaction message in preset duration;
If not returning to the processing acknowledgement information in the preset duration, second transaction message is retransmitted.
In the embodiment of the present application, accept after equipment gets the transaction request of user, since the transaction request includes user In the first account number of the first trade network, and the second account number of the first account number and user in the second trade network is reflected It penetrates, therefore, according to the first data format of the first trade network, according to transaction request, generating includes the first of the first account number Transaction message can be transmitted in the first trade network, in addition, the switching by the first trade network and the second trade network is set It is standby, according to the mapping relations of the first account number and the second account number, according to the second data format and first of the second trade network The default transformation rule of data format, after the first transaction message is converted to the second transaction message, interconnecting device can be handed over second Easy message is sent to, the server of corresponding second trade network of the second account number, to handle the second transaction message, thus real Show and transaction request is received by the equipment that accepts of the first trade network, has been traded by the server process second of the second trade network Message, the process do not need to accept equipment in additionally the second trade network of deployment, and so on, it can be equal by multiple trade networks By way of mapping account number, transaction request, then the report that will trade accordingly are received by the equipment that accepts of the first trade network Text is sent to the server of each trade network, realizes the multiplexing of more trade networks, to save network equipment resource, does not need Repeatability investment.
Detailed description of the invention
Fig. 1 is the corresponding configuration diagram of a kind of transaction processing system that the embodiment of the present application proposes;
Fig. 2 is the corresponding framework detailed maps of a kind of transaction processing system that the embodiment of the present application proposes;
Fig. 3 can be applied to Fig. 1 and a kind of corresponding step of transaction processing system shown in Fig. 2 for what the embodiment of the present application proposed Rapid flow chart.
Specific embodiment
In order to better understand the above technical scheme, below in conjunction with Figure of description and specific embodiment to above-mentioned Technical solution is described in detail, it should be understood that the specific features in the embodiment of the present application and embodiment are to the application skill The detailed description of art scheme, rather than the restriction to technical scheme, in the absence of conflict, the embodiment of the present application And the technical characteristic in embodiment can be combined with each other.
Under current transaction scene, there are many trade network of type, each type of trade network is known as industry friendship Switching network.For example, industry exchange network includes transportation card network, Citizen Card Item network, garden card network, all-in-one campus card net Network, trade company's integrating circuit, trade company's discount coupon network, prepaid card network, bank's integrating circuit etc., all have segregated account body System, independent information exchange network, all non-banking card accounts for independently accepting equipment or program.
It for each industry exchange network, completes transaction and needs many preconditions, such as construct each user and handed in industry The account number of switching network, establishes settlement system, also need investment vast resources construction and safeguard information exchange network, accept equipment or Program.In some scenarios, user needs to accept multiple business, needs to be respectively connected to different industry exchange networks.And existing Have under technology, each closed industry exchange network independently disposes, independent operating, independent maintenance, installs and safeguard each industry Exchange network accepts equipment or program, and repeatability investment is larger, is unfavorable for industry account Rapid Popularization and accepts making for trade company Use convenience.
In addition, the accepting terminal or accepting server in market need the background server respectively with each trade network to set up Exchange network based on special line or public network, different industries account need respectively to trade company's settlement fund, offer reconciliation file, market Operation management difficulty is larger, network repeated construction higher cost, implementation cycle are longer, this will cause the larger of network equipment resource Waste.
Therefore, in the prior art, different trade networks need to be equipped with the respective network equipment, and repeatability investment is larger, account for It is a urgent problem to be solved with more network equipment resource.
The embodiment of the present application proposes a kind of transaction processing system, and the application is described in detail below with reference to Fig. 1, Fig. 2 and implements A kind of transaction processing system that example proposes.Wherein, Fig. 1 is the corresponding frame of a kind of transaction processing system that the embodiment of the present application proposes Structure schematic diagram, Fig. 2 are the corresponding framework detailed maps of a kind of transaction processing system that the embodiment of the present application proposes.
As shown in Figure 1, each industry exchange network is by corresponding industry account carrier, such as industry account A carrier, industry Account B carrier, industry account C carrier and core account carrier will acquire after accepting equipment processing by core exchange network The transaction request arrived after being converted into the transaction message of core transaction network, is forwarded to core transaction network through trade company's cash register system The interconnecting device for including in processing system, then corresponding transaction message is sent to by various industries account processing system by interconnecting device System, such as industry account A processing system, industry account B processing system, industry account C processing system.And from core account carrier The transaction request of acquisition, the transaction message of generation are directly processed in core network account processing system.
As shown in Fig. 2, the user has corresponding account number in various industries exchange network by taking a user as an example, Such as in the corresponding account number account-A of industry exchange network A, in the corresponding account number account-B of industry exchange network B and In the corresponding account number account-C of industry exchange network C, the account number account- of core exchange network is successively respectively corresponded A-core, account-B-core and account-C-core.Each in the corresponding account number of core exchange network, all with each The transaction request of industry exchange network is obtained by the equipment that accepts of core exchange network, and is forwarded to via trade company's cash register system Core network account processing system, and be reduced to corresponding account number in industry network and be not forwarded to industry account processing system In.
As shown in figure 3, can be applied to Fig. 1 and a kind of transaction processing system shown in Fig. 2 for what the embodiment of the present application proposed Corresponding flow chart of steps.
Step 301: accepting the transaction request that equipment obtains user.
Step 302: it is described to accept equipment, according to the first data format of first trade network, according to the transaction Request generates the first transaction message including first account number.
Step 303: first transaction message is sent to by the equipment that accepts, first trade network and described the The interconnecting device of two trade networks.
Step 304: the interconnecting device according to the mapping relations of first account number and second account number, according to The default transformation rule of second data format of second trade network and first data format is traded described first Message is converted to the second transaction message.
Step 305: second transaction message is sent to by the interconnecting device, second account number corresponding second The server of trade network, to second transaction message processing.
Before step 301, it should be noted that in the embodiment of the present application, the first trade network is core exchange network, the Two trade networks are industry exchange network.That is the first exchange network is the core switching network for the multiplexing of various industries exchange network Network realizes that various industries network trading is industry exchange network, and the embodiment of the present application realizes each independent industry network It is incorporated to core network operation.The embodiment of the present application only using second trade network as the example of industry exchange network illustrate, It is in fact possible to multiple industry exchange networks are incorporated to core exchange network, to realize the multiplexing of various industries exchange network.
In each industry exchange network, each industry exchange network has independent system of account, respective different skill Art standard and account number coding mode, different technical standards and account number can not be identified by other industry exchange network, transfer. The account processing adapting system of core exchange network needs to establish a set of virtual account mapping mechanism, by the account of other industry network Family coding mapping is that the account number of core exchange network encodes, and the transaction message of various industries network is mapped as core network Transaction message, the basic condition that industry exchange network is traded to the grid-connected switching of core exchange network is realized with this.
In step 301, the transaction request includes first account number of the user in first trade network;It is described The second account number of first account number and the user in the second trade network maps.
Transaction request accepts equipment from the bank account carrier to the bank account carrier is entity card or electricity Sub- two dimensional code.
It should be noted that first account number is the user corresponding account number in the first account section;It is described Second account number is the user corresponding account number in the second account section;The first account section is the user described The format range of account number in first trade network;The second account section is user account in second trade network The format range at family number.
For example, the first account section is a1xxxb0, and wherein xxx is any three characters, and the second account section is B2yyya0, wherein yyy is any three characters.In this manner, by the restriction of account section, each user is in each friendship In easy network.
In step 302, equipment is accepted after receiving transaction request, due to containing equal counterparties, the amount of money in transaction request With the transaction contents such as the means of payment, and the first exchange network has corresponding preset first data format, therefore, can be according to the first number The first transaction message including first account number is generated according to the content of the transaction request according to format.
It include the first account number in first transaction message, because the first account number and the second account number have mapping relations, So can determine that this first transaction message needs to be converted into the transaction message of which kind of trade network according to this mapping relations.
In step 303, interconnecting device has received the first transaction message.
It should be noted that the interconnecting device of first trade network and second trade network, can equally make For the interconnecting device of first trade network and other trade networks, multiple trade networks share an interconnecting device, each The account number of trade network, the account number with the first trade network establish mapping relations, can be realized from the first trade network Accept equipment receive transaction request, then by interconnecting device processing transaction request, relationship trading message is sent to corresponding friendship Easy network, is specifically described in detail in step 304.
In step 304, wherein include second account number in second transaction message.
A kind of optional embodiment is that the mapping relations in the default transformation rule are as follows:
First account number of first data format is reflected with second account number of second data format It penetrates;Second field of the first field of first data format and second data format maps;First field is Either field in first data format, second field are either field in second data format.
Under the optional embodiment, the mapping relations in the default transformation rule can also include following relationship: institute Second IP address of the first internet protocol address and the server of stating interconnecting device maps;Wherein, the first IP Address is that the interconnecting device is after receiving first transaction message, according to the void of the first account number dynamic generation Quasi- IP address.Under this mapping relationship, after the first account number receives, virtual ip address is just generated according to the first account number, To improve the safety of transaction message transmission.
In the above-described embodiment, the second word of the first field of first data format and second data format Section mapping, specifically includes:
First field is the first character string, the first check code and the first variable for including in first data format Middle either field;Second variate-value of first character string and second data format maps;First check code with Second character string maps of second data format;First variable and the second check code of second data format reflect It penetrates.
It should be noted that in step 304 embodiment and optional embodiment it is similar, interconnecting device can also With according to the corresponding relationship of the first account number and the second account number, Xiang Shouli equipment sends respective transaction message.
Below for interconnecting device to the process for accepting equipment transmission respective transaction message, a kind of optional reality is described in detail Apply mode:
(1) interconnecting device connects according to the second account number corresponding time of reception, reception duration and transmission mode Receive the transaction journal data of second trade network.
(2) interconnecting device generates the first transaction report according to the transaction journal data according to default statement form Table;
(3) interconnecting device generates third transaction report according to the first transaction report according to first data format Text;The third transaction message includes first account number.
(4) equipment that accepts receives the third transaction message.
(5) described to accept equipment according to the default transformation rule, the third transaction message is converted to described second 4th transaction message of data format;4th transaction message includes second account number.
(6) equipment is accepted described in, and the 4th transaction message is forwarded to the corresponding terminal device of second account number, , according to the default statement form, to show the first transaction report in the terminal device.
Another optional embodiment is that the interconnecting device is received from the server of second trade network and drawn Pay funds request;It includes drawing the amount of money paid to the user that described stroke, which is paid funds request,.
The interconnecting device pays funds request according to described draw, if meeting the condition of user's agreement, by the use The mode of family agreement, carries out and account is with after folding account processing, and the fund of the amount of money is drawn and pays extremely second account number.
Under the embodiment, the fund of the amount of money is drawn and is paid to before second account number, can also be carried out as follows Mode:
The level password of the user is obtained, is preset if the level password is less than or equal to by verifying and the amount of money Amount of money threshold value, it is determined that meet the condition of user's agreement.
If the level password is greater than the preset cost threshold value by verifying and the amount of money, exports and obtain the use The solicited message of the secondary password at family.
Step 301~step 304 is carried out, the transaction request of user has had been converted into the second transaction message, and transmitted Interconnecting device is arrived.
In step 305, the interconnecting device is sent to the second trade network according to the second account number, by the second transaction message Server, by the server complete to second transaction message processing.
After step 305, there are also optional embodiment is as follows for the system:
The interconnecting device monitors whether the server returns to second transaction message in preset duration Handle acknowledgement information.
If the interconnecting device does not return to the processing acknowledgement information in the preset duration, described second is retransmitted Transaction message.
The embodiment of the present application proposes a kind of trade network processing system based on network share, realizes core under the scene Exchange network and industry exchange network share grid-connected processing, realize accept equipment, receiving procedure, communication network it is shared, subtract Few industry account exchange network infrastructure construction investment, energy efficiency.
In the embodiment of the present application, accept after equipment gets the transaction request of user, since the transaction request includes user In the first account number of the first trade network, and the second account number of the first account number and user in the second trade network is reflected It penetrates, therefore, according to the first data format of the first trade network, according to transaction request, generating includes the first of the first account number Transaction message can be transmitted in the first trade network, in addition, the switching by the first trade network and the second trade network is set It is standby, according to the mapping relations of the first account number and the second account number, according to the second data format and first of the second trade network The default transformation rule of data format, after the first transaction message is converted to the second transaction message, interconnecting device can be handed over second Easy message is sent to, the server of corresponding second trade network of the second account number, to handle the second transaction message, thus real Show and transaction request is received by the equipment that accepts of the first trade network, has been traded by the server process second of the second trade network Message, the process do not need to accept equipment in additionally the second trade network of deployment, and so on, it can be equal by multiple trade networks By way of mapping account number, transaction request, then the report that will trade accordingly are received by the equipment that accepts of the first trade network Text is sent to the server of each trade network, realizes the multiplexing of more trade networks, to save network equipment resource, does not need Repeatability investment.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more, The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces The form of product.
The present invention is process of the reference according to method, apparatus (system) and computer program product of the embodiment of the present application Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies Within, then the present invention is also intended to include these modifications and variations.

Claims (10)

1. a kind of transaction processing system characterized by comprising
Equipment is accepted, for obtaining the transaction request of user;The transaction request includes the user in the first transaction net First account number of network;The second account number of first account number and the user in the second trade network maps;
It is described to accept equipment, it is generated for the first data format according to first trade network according to the transaction request The first transaction message including first account number;
It is described to accept equipment, for first transaction message to be sent to first trade network and the second transaction net The interconnecting device of network;
The interconnecting device, for the pre- of the second data format and first data format according to second trade network If transformation rule, first transaction message is converted into the second transaction message;Wherein, include in second transaction message with Second account number of the first account number mapping;
The interconnecting device, for second transaction message to be sent to corresponding second trade network of second account number Server, with to second transaction message processing.
2. the system as claimed in claim 1, which is characterized in that the interconnecting device is also used to:
According to the second account number corresponding time of reception, duration and transmission mode are received, receives second trade network Transaction journal data;
The first transaction report is generated according to the transaction journal data according to default statement form;
Third transaction message is generated according to the first transaction report according to first data format;The third transaction message packet Include first account number;
The equipment that accepts is also used to:
Receive the third transaction message;According to the default transformation rule, the third transaction message is converted to described 4th transaction message of two data formats;4th transaction message includes second account number;
4th transaction message is forwarded to the corresponding terminal device of second account number, to press in the terminal device According to the default statement form, the first transaction report is shown.
3. the system as claimed in claim 1, which is characterized in that the interconnecting device is also used to:
It receives to draw from the server of second trade network and pays funds request;It includes to the user that described stroke, which is paid funds request, Draw the amount of money paid;
Funds request is paid according to described stroke, if the condition for meeting user's agreement carries out in the way of user agreement And after account and folding account processing, the fund of the amount of money is drawn and is paid to second account number.
4. system as claimed in claim 3, which is characterized in that the interconnecting device is also used to:
The level password of the user is obtained, if the level password is less than or equal to preset cost by verifying and the amount of money Threshold value, it is determined that meet the condition of user's agreement;
If the level password is greater than the preset cost threshold value by verifying and the amount of money, exports and obtain the user's The solicited message of secondary password.
5. the system as claimed in claim 1, which is characterized in that the mapping relations in the default transformation rule are as follows:
First account number of first data format and second account number of second data format map;
Second field of the first field of first data format and second data format maps;First field is Either field in first data format, second field are either field in second data format.
6. system as claimed in claim 5, which is characterized in that the mapping relations in the default transformation rule further include:
First internet protocol address of the interconnecting device and the second IP address of the server map;
First IP address is that the interconnecting device is after receiving first transaction message, according to first account The virtual ip address of number dynamic generation.
7. system as claimed in claim 5, which is characterized in that the first field of first data format and second number It maps, specifically includes according to the second field of format:
First field is to appoint in first data format in the first character string, the first check code and the first variable for including One field;
Second variate-value of first character string and second data format maps;
Second character string maps of first check code and second data format;
First variable and the second check code of second data format map.
8. system as claimed in claim 1, which is characterized in that first account number is the user in the first account Corresponding account number in number section;Second account number is the user corresponding account number in the second account section;
The first account section is the format range of user account number in first trade network;Second account Section is the format range of user account number in second trade network.
9. system as claimed in claim 1, which is characterized in that the equipment that accepts is specifically used for:
The transaction request is obtained from bank account carrier;
The bank account carrier is entity card or electronic two-dimensional code.
10. system as claimed in claim 1, which is characterized in that the interconnecting device is also used to:
Monitor whether the server returns processing acknowledgement information to second transaction message in preset duration;
If not returning to the processing acknowledgement information in the preset duration, second transaction message is retransmitted.
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CN112184230A (en) * 2020-10-14 2021-01-05 深圳壹账通智能科技有限公司 Transaction data processing method, system, device and storage medium based on block chain

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