CN111199393B - Account entering method, device and equipment for single information transaction - Google Patents
Account entering method, device and equipment for single information transaction Download PDFInfo
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- CN111199393B CN111199393B CN201911350906.5A CN201911350906A CN111199393B CN 111199393 B CN111199393 B CN 111199393B CN 201911350906 A CN201911350906 A CN 201911350906A CN 111199393 B CN111199393 B CN 111199393B
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The embodiment of the invention discloses an account entry method, device and equipment for single information transaction, which relate to the technical field of credit payment and comprise the following steps: receiving transaction information, wherein the transaction information comprises a transaction mode identifier; judging whether the transaction information is single information transaction or not according to the transaction mode identification; if the transaction information is judged to be single information transaction, carrying out authorization processing on the transaction information; and after the authorization processing is successful, online real-time accounting is performed according to the transaction information. The invention can update the online real-time accounts for single information transaction, improve the updating timeliness of the accounts and greatly reduce the processing overhead of the night batch system.
Description
Technical Field
The embodiment of the invention relates to the technical field of credit payment, in particular to an account entry method, device and equipment for single information transaction.
Background
In the credit payment scheme, the financial transaction posting processing mode under the credit card business scene is as follows: adopting two sets of authorized and cleared transaction lines to respectively butt-joint and process financial transaction information sent by international organization; the authorized transaction is mainly transaction checking and credit updating, and the clearing transaction is mainly account entering and balance updating; the authorized transaction is realized in an online mode, and the clearing transaction is realized in a batch accounting mode.
Some credit cards (e.g., bankcards) currently have the transaction property of single information, and others (Visa cards) have the transaction property of single information and dual information. The single information transaction refers to a financial transaction sent by a banking and union channel, one financial transaction banking and union only sends a request to a card issuing mechanism, and other international organizations send two requests for authorization and clearing. When the credit card of the current single information transaction is in transaction, the card issuing mechanism stores the accounting information and then carries out batch processing at a designated time point, and the accounting update is lagged compared with the transaction, so that the timeliness of service support is affected.
Disclosure of Invention
The embodiment of the invention aims to provide an account entry method, device and equipment for single information transaction, which are used for solving the problem that the timeliness of service support is affected because the single information cannot be checked in real time in the existing credit payment.
In order to achieve the above purpose, the embodiment of the present invention mainly provides the following technical solutions:
in a first aspect, an embodiment of the present invention provides an accounting method for single information transaction, including: receiving transaction information, wherein the transaction information comprises a transaction mode identifier; judging whether the transaction information is single information transaction or not according to the transaction mode identification; if the transaction information is judged to be single information transaction, carrying out authorization processing on the transaction information; and after the authorization processing is successful, online real-time accounting is performed according to the transaction information.
Further, the authorization processing comprises message verification, authorization check and credit update.
Further, the transaction mode identifier is data information of a message designated field of the transaction information, and the determining whether the transaction information is a single information transaction according to the transaction mode identifier includes: acquiring data information of a message designated field of the transaction information; judging whether the transaction information is single information transaction or not according to a preset data transaction mode comparison table and data information of a message designated field of the transaction information.
Further, after the transaction information is authorized, the method further comprises: if the authorization processing is successful, transaction success information is fed back to the transaction user; and if the authorization processing fails, feeding back transaction failure information to the transaction user.
In a second aspect, an embodiment of the present invention further provides an accounting device for single information transaction, including: the communication module is used for receiving transaction information, wherein the transaction information comprises a transaction mode identifier; the control processing module is used for judging whether the transaction information is single information transaction or not according to the transaction mode identification; if the transaction information is judged to be single information transaction, carrying out authorization processing on the transaction information; and after the authorization processing is successful, online real-time accounting is performed according to the transaction information.
Further, the authorization processing comprises message verification, authorization check and credit update.
Further, the transaction mode identifier is data information of a message appointed field of the transaction information, and the control processing module is specifically used for acquiring the data information of the message appointed field of the transaction information; judging whether the transaction information is single information transaction or not according to a preset data transaction mode comparison table and data information of a message designated field of the transaction information.
Further, the control processing module is further used for feeding back transaction success information to the transaction user through the communication module if the authorization processing is successful; the control processing module is also used for feeding back transaction failure information to the transaction user through the communication module if the authorization processing fails.
In a third aspect, an embodiment of the present invention further provides an electronic device, including: at least one processor and at least one memory; the memory is used for storing one or more program instructions; the processor is configured to execute one or more program instructions to perform the method of posting a single information transaction as described in the first aspect.
In a fourth aspect, embodiments of the present invention also provide a computer readable storage medium containing one or more program instructions for performing the method of posting a single information transaction according to the first aspect.
The technical scheme provided by the embodiment of the invention has at least the following advantages:
according to the method, the device and the equipment for checking in the single information transaction, which are provided by the embodiment of the invention, the online real-time accounting update is carried out on the single information transaction, the accounting update timeliness is improved, and the night batch system processing overhead is greatly reduced.
Drawings
Fig. 1 is a flowchart of an accounting method of a single information transaction according to an embodiment of the present invention.
Fig. 2 is a block diagram of an accounting device for single information transaction according to an embodiment of the present invention.
Detailed Description
Further advantages and effects of the present invention will become apparent to those skilled in the art from the disclosure of the present invention, which is described by the following specific examples.
In the following description, for purposes of explanation and not limitation, specific details are set forth such as the particular system architecture, interfaces, techniques, etc., in order to provide a thorough understanding of the present invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.
In the description of the present invention, it is to be understood that the terms "first" and "second" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance.
In the description of the present invention, it should be noted that the terms "coupled" and "connected," unless explicitly stated or defined otherwise, are to be construed broadly, as for example, as being directly coupled or indirectly coupled via an intervening medium. The specific meaning of the above terms in the present invention will be understood in specific cases by those of ordinary skill in the art.
Fig. 1 is a flowchart of an accounting method of a single information transaction according to an embodiment of the present invention. As shown in fig. 1, an accounting method for single information transaction according to an embodiment of the present invention includes:
s1: transaction information is received. The transaction information comprises a transaction mode identifier.
Specifically, after the credit card is transacted, the background server receives transaction information when the credit card is used. Wherein the transaction information is in a messaging format. The data information in the appointed field of the transaction information message is used for representing the transaction mode of the transaction information.
S2: judging whether the transaction information is single information transaction or not according to the transaction mode identification.
In one embodiment of the present invention, step S2 includes: acquiring data information of a message designated field of transaction information; judging whether the transaction information is single information transaction or not according to a preset data transaction mode comparison table and data information of a message designated field of the transaction information.
In one example of the present invention, in the X field of the transaction information message, if the data is 0, it indicates that the transaction information is a single information transaction; if the data is 1, the transaction information is indicated to be double-information transaction.
S3: if the transaction information is judged to be single information transaction, carrying out authorization processing on the transaction information.
In one embodiment of the invention, the authorization process includes message verification, authorization check, and credit update. The message checking mode may be checksum.
Checksum is used to verify the sum of a set of data items at a destination in the fields of data processing and data communication. It is typically in the form of a hexadecimal representation of a number system. If the value of the checksum exceeds hexadecimal FF, i.e., 255. Its complement is required as a checksum. Are commonly used to ensure data integrity and accuracy in communications, particularly in long-range communications.
The credit line update is the update of the credit line according to the residual credit line of the credit card of the user and the current consumption amount.
S4: and after the authorization processing is successful, online real-time accounting is performed according to the transaction information.
Specifically, after the authorization processing is successful, the online real-time accounting is performed according to the transaction information, the transaction information is not stored in the accounting information queue, and then batch accounting is performed by waiting for a designated time node. Therefore, the account entry method for single information transaction of the invention improves the updating timeliness of the accounts, and greatly reduces the processing overhead of the batch system at night.
After the authorization processing is successful, the function module for the authorization processing sends an accounting instruction to the function module for accounting in real time, and then the function module for accounting completes automatic real-time accounting.
In one embodiment of the present invention, after step S3, further comprising:
if the authorization process is successful, transaction success information is fed back to the transaction user. Illustratively, the feedback information may include information such as the amount of money consumed, the time of consumption, and the remaining credit of the credit card.
If the authorization process fails, transaction failure information is fed back to the transaction user. For example, the transaction failure information may include transaction failure prompt information (e.g., the current transaction failed) and a cause of the transaction failure (e.g., the credit card remaining amount is insufficient).
Fig. 2 is a block diagram of an accounting device for single information transaction according to an embodiment of the present invention. As shown in fig. 2, an accounting device for single information transaction according to an embodiment of the present invention includes: a communication module 100 and a control processing module 200.
The communication module 100 is configured to receive transaction information, where the transaction information includes a transaction mode identifier. The control processing module 200 is used for judging whether the transaction information is a single information transaction according to the transaction mode identification; if the transaction information is judged to be single information transaction, carrying out authorization processing on the transaction information; and after the authorization processing is successful, real-time accounting is performed according to the transaction information.
In one embodiment of the invention, the authorization process includes message verification, authorization check, and credit update.
In one embodiment of the invention, the transaction means identifies data information that is a message-specific field of the transaction information. The control processing module 200 is specifically configured to obtain data information of a message designated field of transaction information; judging whether the transaction information is single information transaction or not according to a preset data transaction mode comparison table and data information of a message designated field of the transaction information.
In one embodiment of the present invention, the control processing module 200 is further configured to feed back transaction success information to the transaction user through the communication module 100 if the authorization process is successful. The control processing module 200 is further configured to feed back transaction failure information to the transaction user through the communication module 100 if the authorization process fails.
It should be noted that, a specific implementation manner of the accounting device for single information transaction in the embodiment of the present invention is similar to a specific implementation manner of the accounting method for single information transaction in the embodiment of the present invention, and specific reference is made to a description of an accounting method portion of single information transaction, so that redundancy is reduced and redundant description is omitted.
An embodiment of the present invention provides an electronic apparatus including: at least one processor and at least one memory; the memory is used for storing one or more program instructions; the processor is configured to execute one or more program instructions to perform the method of posting a single information transaction as described in the first aspect.
Embodiments of the present invention provide a computer readable storage medium having stored therein computer program instructions which, when run on a computer, cause the computer to perform the method of posting a single information transaction as described above.
In the embodiment of the invention, the processor may be an integrated circuit chip with signal processing capability. The processor may be a general purpose processor, a digital signal processor (Digital Signal Processor, DSP for short), an application specific integrated circuit (Application Specific f ntegrated Circuit ASIC for short), a field programmable gate array (FieldProgrammable Gate Array FPGA for short), or other programmable logic device, discrete gate or transistor logic device, discrete hardware components.
The disclosed methods, steps, and logic blocks in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present invention may be embodied directly in the execution of a hardware decoding processor, or in the execution of a combination of hardware and software modules in a decoding processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The processor reads the information in the storage medium and, in combination with its hardware, performs the steps of the above method.
The storage medium may be memory, for example, may be volatile memory or nonvolatile memory, or may include both volatile and nonvolatile memory.
The nonvolatile Memory may be a Read-Only Memory (ROM), a Programmable ROM (PROM), an Erasable PROM (EPROM), an electrically Erasable ROM (Electrically EPROM, EEPROM), or a flash Memory.
The volatile memory may be a random access memory (Random Access Memory, RAM for short) which acts as an external cache. By way of example, and not limitation, many forms of RAM are available, such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (Double Data Rate SDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), and direct memory bus RAM (Direct Rambus RAM, DRRAM).
The storage media described in embodiments of the present invention are intended to comprise, without being limited to, these and any other suitable types of memory.
Those skilled in the art will appreciate that in one or more of the examples described above, the functions described in the present invention may be implemented in a combination of hardware and software. When the software is applied, the corresponding functions may be stored in a computer-readable medium or transmitted as one or more instructions or code on the computer-readable medium. Computer-readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another. A storage media may be any available media that can be accessed by a general purpose or special purpose computer.
The foregoing embodiments have been provided for the purpose of illustrating the general principles of the present invention in further detail, and are not to be construed as limiting the scope of the invention, but are merely intended to cover any modifications, equivalents, improvements, etc. based on the teachings of the invention.
Claims (6)
1. A method for posting a single information transaction, comprising:
receiving transaction information, wherein the transaction information comprises a transaction mode identifier;
judging whether the transaction information is single information transaction or not according to the transaction mode identification;
if the transaction information is judged to be single information transaction, carrying out authorization processing on the transaction information;
after the authorization processing is successful, online real-time accounting is performed according to the transaction information;
the authorization processing comprises message verification, authorization check and credit update;
the transaction mode identification is data information of a message designated field of the transaction information, and the judging whether the transaction information is single information transaction according to the transaction mode identification comprises the following steps:
acquiring data information of a message designated field of the transaction information;
judging whether the transaction information is single information transaction or not according to a preset data transaction mode comparison table and data information of a message designated field of the transaction information.
2. The method of posting a single information transaction according to claim 1, further comprising, after authorizing the transaction information:
if the authorization processing is successful, feeding back transaction success information to the transaction user;
and if the authorization processing fails, feeding back transaction failure information to the transaction user.
3. An entry device for a single information transaction, comprising:
the communication module is used for receiving transaction information, wherein the transaction information comprises a transaction mode identifier;
the control processing module is used for judging whether the transaction information is single information transaction or not according to the transaction mode identification; if the transaction information is judged to be single information transaction, carrying out authorization processing on the transaction information; after the authorization processing is successful, online real-time accounting is performed according to the transaction information;
the authorization processing comprises message verification, authorization check and credit update;
the transaction mode identifier is data information of a message appointed field of the transaction information, and the control processing module is specifically used for acquiring the data information of the message appointed field of the transaction information; judging whether the transaction information is single information transaction or not according to a preset data transaction mode comparison table and data information of a message designated field of the transaction information.
4. The apparatus for posting a single information transaction according to claim 3, wherein the control processing module is further configured to feed back transaction success information to the transaction user through the communication module if the authorization process is successful; the control processing module is also used for feeding back transaction failure information to the transaction user through the communication module if the authorization processing fails.
5. An electronic device, the electronic device comprising: at least one processor and at least one memory;
the memory is used for storing one or more program instructions;
the processor configured to execute one or more program instructions to perform the method of posting a single information transaction according to any one of claims 1-2.
6. A computer readable storage medium having one or more program instructions embodied therein for performing the method of posting a single information transaction according to any one of claims 1-2.
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| CN201911350906.5A CN111199393B (en) | 2019-12-24 | 2019-12-24 | Account entering method, device and equipment for single information transaction |
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| CN201911350906.5A CN111199393B (en) | 2019-12-24 | 2019-12-24 | Account entering method, device and equipment for single information transaction |
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| CN111199393B true CN111199393B (en) | 2023-05-26 |
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