CN111027966A - Service processing method and system - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
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- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
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Abstract
The invention discloses a service processing method and a service processing system, and relates to the technical field of computers. One embodiment of the method comprises: a publisher publishes a subject message to a target subject, wherein the subject message comprises a card issuer identification code and a card organization identifier; the subscriber who subscribes the target subject consumes the subject message and updates the corresponding relation between each card issuer identification code and each card organization identification according to the subject message; and the subscriber responds to the service operation of the user to generate a service request and sends the service request to the publisher. The implementation method can solve the technical problems of low synchronization speed and single point risk.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a method and a system for processing a service.
Background
Currently, in a bank transaction system, a card type needs to be identified by a card number prefix (card bin, i.e., issuer identification code), such as identifying as a union pay card, a visa card, a mastercard, and the like. Generally, a bin routing table (configured with a corresponding relationship between a total number of bins and each service module identifier) is maintained in each source channel, the source channel matches out a service module according to the bin routing table, sends a request to the service module, and the service module performs some supplement on the request message to form a final message, and finally sends the message to a card organization.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
the method comprises the steps that a bin routing table is configured in a centralized mode, and when the corresponding relation between a bin and a service module identifier is updated, the bin routing table is synchronized to all source channels through multi-level routing and distribution, so that the synchronization speed is low; when the centralized route is unavailable, all service requests cannot be distributed to different service modules for processing, and a single-point risk exists; the source channel cannot identify whether the service operation can be accepted, and the service request is routed to the service module each time and is identified by the service module, so that the service processing speed is low.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and a system for processing a service, so as to solve the technical problems of slow synchronization speed and single point risk.
In order to achieve the above object, according to an aspect of the embodiments of the present invention, there is provided a service processing method, including:
a publisher publishes a subject message to a target subject, wherein the subject message comprises a card issuer identification code and a card organization identifier;
the subscriber who subscribes the target subject consumes the subject message and updates the corresponding relation between each card issuer identification code and each card organization identification according to the subject message;
and the subscriber responds to the service operation of the user to generate a service request and sends the service request to the publisher.
Optionally, the method further comprises:
and the issuing party receives the service request, packages the service request into a card organization request and sends the card organization request to a target card organization.
Optionally, the generating, by the subscriber, a service request in response to a service operation of a user, and sending the service request to the publisher includes:
the subscriber responds to the service operation of the user to generate a service request and a routing request, and the routing request is sent to a routing server; the routing request carries an issuer identification code and a source channel identification of a subscriber;
the routing server matches a target publisher identification according to the card issuer identification code and the corresponding relation between the source channel identification of the subscriber and the publisher identification, and returns the target publisher identification to the subscriber;
the subscriber sends the service request to the target publisher; wherein the service request carries transaction information.
Optionally, the generating, by the subscriber, a service request in response to a service operation of a user, and sending the service request to the publisher includes:
the subscriber responds to the service operation of the user to generate a service request and sends the service request to a routing server; wherein, the service request carries transaction information;
and the routing server acquires a card issuing bank identification code and a source channel identification of a subscriber from the transaction information, matches a target publisher identification according to the correspondence between the card issuing bank identification code and the source channel identification of the subscriber and the publisher identification, and sends the service request to the target publisher.
Optionally, the generating, by the subscriber, a service request in response to a service operation of the user includes:
the subscriber responds to the service operation of the user to identify a target card issuer identification code;
judging whether the target card organization identification can be matched from the corresponding relation between each card issuing bank identification code and each card organization identification;
if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber;
if not, sending a prompt for refusing the processing.
In addition, according to another aspect of the embodiments of the present invention, there is provided a service processing system including:
the issuing party is used for issuing a theme message to a target theme, wherein the theme message comprises an issuer identification code and a card organization identifier;
the subscriber who subscribes the target theme is used for consuming the theme message and updating the corresponding relation between each card issuer identification code and each card organization identifier according to the theme message;
the subscriber is also used for responding to the service operation of the user to generate a service request and sending the service request to the publisher.
Optionally, the publisher is further configured to:
and receiving the service request, packaging the service request into a card organization request, and sending the card organization request to a target card organization.
Optionally, a routing server is further included; wherein:
the subscriber is also used for responding to the service operation of the user to generate a service request and a routing request, and sending the routing request to a routing server; the routing request carries an issuer identification code and a source channel identification of a subscriber;
the route server is used for matching a target publisher identification according to the card issuer identification code and the corresponding relation between the source channel identification of the subscriber and the publisher identification, and returning the target publisher identification to the subscriber;
the subscriber is also used for sending the service request to the target publisher; wherein the service request carries transaction information.
Optionally, a routing server is further included; wherein:
the subscriber is also used for responding to the service operation of the user to generate a service request and sending the service request to the routing server; wherein, the service request carries transaction information;
the route server is used for acquiring a card issuing bank identification code and a source channel identification of a subscriber from the transaction information, matching a target publisher identification according to the correspondence between the card issuing bank identification code and the source channel identification of the subscriber and the publisher identification, and sending the service request to the target publisher.
Optionally, the subscriber is further configured to:
identifying a target card issuer identification code in response to the service operation of the user;
judging whether the target card organization identification can be matched from the corresponding relation between each card issuing bank identification code and each card organization identification;
if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber;
if not, sending a prompt for refusing the processing.
One embodiment of the above invention has the following advantages or benefits: according to the invention, through the technical means that the publisher publishes the subject message to the target subject, the subscriber who subscribes to the target subject consumes the subject message and updates the corresponding relation between each card issuing bank identification code and each card organization identification according to the subject message, the technical problems of low synchronization speed and single point risk in the prior art are solved. The embodiment of the invention adopts a subscription/publishing mode, each business module combines the card bin and the card organization identifier into a topic message and publishes the topic message to the corresponding topic, each source channel can realize synchronization only by subscribing the topic related to the source channel, all source channels are not required to synchronize a full amount of card bin routing tables, and multi-level routing and distribution are not required, so that the processing of copying, analyzing and the like in the distribution process is avoided, the synchronization speed is improved, the real-time synchronization is realized, and the single-point risk is also solved.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of a service processing method according to an embodiment of the present invention;
fig. 2 is a schematic diagram of a main flow of a service processing method according to a referential embodiment of the present invention;
fig. 3 is a schematic diagram of a main flow of a service processing method according to another referential embodiment of the present invention;
fig. 4 is a schematic diagram of main modules of a business processing system according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
The embodiment of the invention adopts a subscription/publishing mode, each business module combines the card bin and the card organization identifier into the theme message and publishes the theme message to the corresponding theme, each source channel can realize synchronization only by subscribing the theme related to the source channel without multi-level routing and distribution, thereby avoiding the processing of copying, analyzing and the like in the distribution process, improving the synchronization speed and solving the single-point risk.
Fig. 1 is a schematic diagram of a main flow of a service processing method according to an embodiment of the present invention. As an embodiment of the present invention, as shown in fig. 1, the service processing method may include:
step 101, a publisher publishes a topic message to a target topic, wherein the topic message comprises an issuer identification code and a card organization identifier.
In the embodiment of the present invention, each service module is used as a publisher, and each service module assembles an issuer identification code (i.e., a card bin) and a card organization (such as a union of bank, visa, or mastercard) identifier corresponding to the card bin into a topic message, and publishes the topic message into a topic (topic).
It should be noted that the corresponding relationship between the bin and the card organization id is defined at the time of development, for example, the mapping relationship between the bin123456 and the visa card organization, the mapping relationship between the bin223456 and the union bank card organization, and the mapping relationship between the bin323456 and the mastercard organization. And when the corresponding relation needs to be newly added, assembling the corresponding relation into a theme message and publishing the theme message to the corresponding theme.
In the embodiment of the present invention, lightweight message middleware such as namomsg or zeromsg, or industrial message middleware such as rabbitQ may be adopted to support multiple publishers and multiple subscribers.
And 102, the subscriber who subscribes the target theme consumes the theme message and updates the corresponding relation between each card issuer identification code and each card organization identification according to the theme message.
In the embodiment of the invention, each source channel is taken as a subscriber, each source channel subscribes a theme related to the source channel, and when the theme has a new message, the message is consumed. Since the publisher publishes the topic message to the target topic in step 101, the subscriber who has subscribed to the topic message in advance will consume the topic message, so as to update the corresponding relationship between each card issuer identification code and each card organization identification stored locally in the subscriber according to the topic message. It should be noted that the correspondence between the issuer identification code and the card organization identifier may be written into a bin routing table, and each subscriber maintains a bin routing table related to itself, instead of maintaining a full number of bin routing tables, which may improve the update speed of the bin routing table and the speed of the subscriber for processing the service. Moreover, when the bin routing table needs to be updated, only the subscriber who subscribes the target subject matter updates the bin routing table by adopting a subscription/publishing mode, the full-amount bin routing table of all source channels is not required to be synchronized, and multi-level routing and distribution are not required, so that the processing of copying, analyzing and the like in the distribution process is avoided, the synchronization speed is improved, the real-time synchronization is realized, and the single-point risk is also solved.
Step 103, the subscriber responds to the service operation of the user to generate a service request, and sends the service request to the publisher.
In an embodiment of the present invention, the subscriber (i.e., the source channel) may be a source channel such as an ATM, a POS, an internet bank, or a mobile banking, and when the user performs a service operation on the source channel, the source channel generates a service request in response to the service operation of the user, and sends the service request to the publisher (i.e., the service module), and the service module performs a specific service process.
In order to avoid that each service request is sent to the service module for processing, part of the services can be processed by the source channel, for example, whether the service can be accepted or not is identified, so that the service processing speed is increased. Optionally, the generating, by the subscriber, a service request in response to a service operation of the user includes: the subscriber responds to the service operation of the user to identify a target card issuer identification code; judging whether the target card organization identification can be matched from the corresponding relation between each card issuing bank identification code and each card organization identification; if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber; if not, sending a prompt for refusing the processing. And if the target card organization identification can be matched from the card bin routing table of the subscriber, which indicates that the business module can accept the transaction, generating a business request and routing the business request to the corresponding business module.
In some embodiments of the present invention, the service request may be routed to the service module by using an indirect addressing manner, and optionally, step 103 includes: the subscriber responds to the service operation of the user to generate a service request and a routing request, and the routing request is sent to a routing server; the routing request carries an issuer identification code and a source channel identification of a subscriber; the routing server matches a target publisher identification according to the card issuer identification code and the corresponding relation between the source channel identification of the subscriber and the publisher identification, and returns the target publisher identification to the subscriber; the subscriber sends the service request to the target publisher; wherein the service request carries transaction information. In this embodiment, the subscriber generates a service request and a routing request in response to a service operation of the user, where transaction information carried in the service request may include a source channel identifier of the subscriber, a target card organization identifier, a card number, a transaction time, a transaction location, a transaction amount, and the like; the routing request carries the bin and the source channel identification of the subscriber. And the subscriber sends the routing request to a routing server, and the routing server matches a target publisher identifier according to a preset bin and a corresponding relation between the source channel identifier and the publisher identifier, and returns the target publisher identifier to the subscriber. And the subscriber sends the service request to the target publisher according to the received target publisher identification, and the target publisher performs service processing on the service request.
In some embodiments of the present invention, the service request may also be routed to the service module by using a direct addressing manner, and optionally, step 103 includes: the subscriber responds to the service operation of the user to generate a service request and sends the service request to a routing server; wherein, the service request carries transaction information; and the routing server acquires a card issuing bank identification code and a source channel identification of a subscriber from the transaction information, matches a target publisher identification according to the correspondence between the card issuing bank identification code and the source channel identification of the subscriber and the publisher identification, and sends the service request to the target publisher. In this embodiment, the subscriber generates a service request and a routing request in response to a service operation of the user, where transaction information carried in the service request may include a source channel identifier of the subscriber, a target card organization identifier, a card number, a transaction time, a transaction location, a transaction amount, and the like; the subscriber sends the service request to a routing server, the routing server analyzes the transaction information from the service request, further obtains a bin and a source channel identifier of the subscriber, and then matches a target publisher identifier according to a preset correspondence between the bin and the source channel identifier and the publisher identifier, so that the service request is sent to the target publisher, and the target publisher performs service processing on the service request.
Optionally, after step 103, the method may further include: and the issuing party receives the service request, packages the service request into a card organization request and sends the card organization request to a target card organization. The service module supplements the service request message according to the standard of the target card organization to form a final card organization request message, and sends the card organization request message to the target card organization.
According to the various embodiments, the technical means that the publisher publishes the subject message to the target subject, and the subscriber who subscribes to the target subject consumes the subject message and updates the corresponding relation between each card issuer identification code and each card organization identification according to the subject message can be seen, so that the technical problems of low synchronization speed and single point risk in the prior art are solved. The embodiment of the invention adopts a subscription/publishing mode, each business module combines the card bin and the card organization identifier into a topic message and publishes the topic message to the corresponding topic, each source channel can realize synchronization only by subscribing the topic related to the source channel, all source channels are not required to synchronize a full amount of card bin routing tables, and multi-level routing and distribution are not required, so that the processing of copying, analyzing and the like in the distribution process is avoided, the synchronization speed is improved, the real-time synchronization is realized, and the single-point risk is also solved.
Fig. 2 is a schematic diagram of a main flow of a service processing method according to a referential embodiment of the present invention. The service processing method comprises the following steps:
step 201, a service module issues a theme message to a target theme, where the theme message includes a card bin and a card organization identifier.
In the embodiment of the present invention, each service module is used as a publisher, and each service module assembles a card bin and a card organization (such as union pay, visa or mastercard) identifier corresponding to the card bin into a topic message, and publishes the topic message to topic.
Step 202, the source channel subscribed with the target theme consumes the theme message, and updates the corresponding relation between each bin and each card organization identifier according to the theme message.
In the embodiment of the invention, each source channel is taken as a subscriber, each source channel subscribes a theme related to the source channel, and when the theme has a new message, the message is consumed. Since the publisher publishes the topic message to the target topic in step 201, the subscriber who previously subscribed to the topic message consumes the topic message, so as to update the bin routing table according to the topic message.
Step 203, the source channel identifies a target bin in response to the business operation of the user, and judges whether a target card organization identifier can be matched from the corresponding relationship between each bin and each card organization identifier; if yes, go to step 204; if not, go to step 208.
And step 204, the source channel generates a service request and a routing request according to the service operation of the user, and sends the routing request to a routing server.
The transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number; and the routing request carries a target card bin and a source channel identifier.
Step 205, the routing server matches a target service module identifier according to the corresponding relationship between the target bin and the source channel identifier and the service module identifier, and returns the target service module identifier to the source channel.
Step 206, the source channel receives the service module identifier and sends the service request to the target service module.
Step 207, the target service module receives the service request, packages the service request into a card organization request, and sends the card organization request to a target card organization.
Step 208, a prompt is issued to reject processing.
In addition, in one embodiment of the present invention, the detailed implementation of the service processing method is described in detail in the above-mentioned service processing method, so that the repeated content is not described again.
Fig. 3 is a schematic diagram of a main flow of a service processing method according to another referential embodiment of the present invention. The service processing method comprises the following steps:
step 301, a service module issues a theme message to a target theme, where the theme message includes a card bin and a card organization identifier.
In the embodiment of the present invention, each service module is used as a publisher, and each service module assembles a card bin and a card organization (such as union pay, visa or mastercard) identifier corresponding to the card bin into a topic message, and publishes the topic message to topic.
Step 302, the source channel subscribed with the target theme consumes the theme message, and updates the corresponding relationship between each bin and each card organization identifier according to the theme message.
In the embodiment of the invention, each source channel is taken as a subscriber, each source channel subscribes a theme related to the source channel, and when the theme has a new message, the message is consumed. Since the publisher publishes the topic message to the target topic in step 301, the subscriber who previously subscribed to the topic message consumes the topic message, so as to update the bin routing table according to the topic message.
Step 303, the source channel identifies a target bin in response to the service operation of the user, and judges whether a target card organization identifier can be matched from the corresponding relationship between each bin and each card organization identifier; if yes, go to step 304; if not, go to step 307.
And step 304, the source channel generates a service request according to the service operation of the user, and sends the service request to the routing server. The transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number.
Step 305, the routing server acquires a bin and a source channel identifier from the transaction information, matches a target service module identifier according to a corresponding relationship between the bin and the source channel identifier and a service module identifier, and sends the service request to the target service module.
Step 306, the target service module receives the service request, packages the service request into a card organization request, and sends the card organization request to a target card organization.
Step 307, a prompt is issued to reject the process.
In addition, in one embodiment of the present invention, the detailed implementation of the service processing method is described in detail in the above-mentioned service processing method, so that the repeated content is not described again.
Fig. 4 is a schematic diagram of main modules of a business processing system according to an embodiment of the present invention, and as shown in fig. 4, the business processing system 400 includes a plurality of publishers 401 and a plurality of subscribers 402. The publisher 401 is configured to publish a theme message to a target theme, where the theme message includes an issuer identification code and a card organization identifier; a subscriber 402 subscribing to the target theme, configured to consume the theme message, and update a correspondence between each issuer identification code and each card organization identifier according to the theme message; the subscriber 402 is further configured to generate a service request in response to a service operation of a user, and send the service request to the publisher 401.
Optionally, the publisher 401 is further configured to:
and receiving the service request, packaging the service request into a card organization request, and sending the card organization request to a target card organization.
Optionally, a routing server 403 is further included; wherein:
the subscriber 402 is further configured to generate a service request and a routing request in response to a service operation of a user, and send the routing request to the routing server 403; the routing request carries an issuer identification code and a source channel identification of a subscriber;
the routing server 403 is configured to match a target publisher identifier according to the issuer identifier and a correspondence between a source channel identifier of a subscriber and a publisher identifier, and return the target publisher identifier to the subscriber 402;
the subscriber 402 is further configured to send the service request to the target publisher; wherein the service request carries transaction information.
Optionally, a routing server 403 is further included; wherein:
the subscriber 402 is further configured to generate a service request in response to a service operation of a user, and send the service request to the routing server 403; wherein, the service request carries transaction information;
the routing server 403 is configured to obtain a card issuer identification code and a source channel identifier of a subscriber from the transaction information, match a target publisher identifier according to a correspondence between the card issuer identification code and the source channel identifier of the subscriber and the publisher identifier, and send the service request to the target publisher.
Optionally, the subscriber 402 is further configured to:
identifying a target card issuer identification code in response to the service operation of the user;
judging whether the target card organization identification can be matched from the corresponding relation between each card issuing bank identification code and each card organization identification;
if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber;
if not, sending a prompt for refusing the processing.
According to the various embodiments, the technical means that the publisher publishes the subject message to the target subject, and the subscriber who subscribes to the target subject consumes the subject message and updates the corresponding relation between each card issuer identification code and each card organization identification according to the subject message can be seen, so that the technical problems of low synchronization speed and single point risk in the prior art are solved. The embodiment of the invention adopts a subscription/publishing mode, each business module combines the card bin and the card organization identifier into a topic message and publishes the topic message to the corresponding topic, each source channel can realize synchronization only by subscribing the topic related to the source channel, all source channels are not required to synchronize a full amount of card bin routing tables, and multi-level routing and distribution are not required, so that the processing of copying, analyzing and the like in the distribution process is avoided, the synchronization speed is improved, the real-time synchronization is realized, and the single-point risk is also solved.
It should be noted that, in the implementation of the service processing system of the present invention, the details of the service processing method are already described in detail, and therefore, the repeated contents are not described again here.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A method for processing a service, comprising:
a publisher publishes a subject message to a target subject, wherein the subject message comprises a card issuer identification code and a card organization identifier;
the subscriber who subscribes the target subject consumes the subject message and updates the corresponding relation between each card issuer identification code and each card organization identification according to the subject message;
and the subscriber responds to the service operation of the user to generate a service request and sends the service request to the publisher.
2. The method of claim 1, further comprising:
and the issuing party receives the service request, packages the service request into a card organization request and sends the card organization request to a target card organization.
3. The method of claim 1, wherein the subscriber generates a service request in response to a service operation of a user and sends the service request to the publisher, and wherein the method comprises:
the subscriber responds to the service operation of the user to generate a service request and a routing request, and the routing request is sent to a routing server; the routing request carries an issuer identification code and a source channel identification of a subscriber;
the routing server matches a target publisher identification according to the card issuer identification code and the corresponding relation between the source channel identification of the subscriber and the publisher identification, and returns the target publisher identification to the subscriber;
the subscriber sends the service request to the target publisher; wherein the service request carries transaction information.
4. The method of claim 1, wherein the subscriber generates a service request in response to a service operation of a user and sends the service request to the publisher, and wherein the method comprises:
the subscriber responds to the service operation of the user to generate a service request and sends the service request to a routing server; wherein, the service request carries transaction information;
and the routing server acquires a card issuing bank identification code and a source channel identification of a subscriber from the transaction information, matches a target publisher identification according to the correspondence between the card issuing bank identification code and the source channel identification of the subscriber and the publisher identification, and sends the service request to the target publisher.
5. The method of claim 1, wherein the subscriber generates a service request in response to a service operation of a user, comprising:
the subscriber responds to the service operation of the user to identify a target card issuer identification code;
judging whether the target card organization identification can be matched from the corresponding relation between each card issuing bank identification code and each card organization identification;
if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber;
if not, sending a prompt for refusing the processing.
6. A transaction system, comprising:
the issuing party is used for issuing a theme message to a target theme, wherein the theme message comprises an issuer identification code and a card organization identifier;
the subscriber who subscribes the target theme is used for consuming the theme message and updating the corresponding relation between each card issuer identification code and each card organization identifier according to the theme message;
the subscriber is also used for responding to the service operation of the user to generate a service request and sending the service request to the publisher.
7. The system of claim 6, wherein the publisher is further configured to:
and receiving the service request, packaging the service request into a card organization request, and sending the card organization request to a target card organization.
8. The system of claim 6, further comprising a routing server; wherein:
the subscriber is also used for responding to the service operation of the user to generate a service request and a routing request, and sending the routing request to a routing server; the routing request carries an issuer identification code and a source channel identification of a subscriber;
the route server is used for matching a target publisher identification according to the card issuer identification code and the corresponding relation between the source channel identification of the subscriber and the publisher identification, and returning the target publisher identification to the subscriber;
the subscriber is also used for sending the service request to the target publisher; wherein the service request carries transaction information.
9. The system of claim 6, further comprising a routing server; wherein:
the subscriber is also used for responding to the service operation of the user to generate a service request and sending the service request to the routing server; wherein, the service request carries transaction information;
the route server is used for acquiring a card issuing bank identification code and a source channel identification of a subscriber from the transaction information, matching a target publisher identification according to the correspondence between the card issuing bank identification code and the source channel identification of the subscriber and the publisher identification, and sending the service request to the target publisher.
10. The system of claim 6, wherein the subscriber is further configured to:
identifying a target card issuer identification code in response to the service operation of the user;
judging whether the target card organization identification can be matched from the corresponding relation between each card issuing bank identification code and each card organization identification;
if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber;
if not, sending a prompt for refusing the processing.
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