CN111951002B - Automatic merchant credit giving system for one-card recharging - Google Patents
Automatic merchant credit giving system for one-card recharging Download PDFInfo
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- CN111951002B CN111951002B CN202010701965.9A CN202010701965A CN111951002B CN 111951002 B CN111951002 B CN 111951002B CN 202010701965 A CN202010701965 A CN 202010701965A CN 111951002 B CN111951002 B CN 111951002B
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- 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
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Abstract
The invention discloses a merchant amount automatic recharging system for one-card recharging, which comprises: the bank client is used for regularly scanning whether funds are transferred into the sub-account of the operator, if yes, automatically collecting the funds into the total account of the operator, and initiating a credit giving request to the service end of the merchant credit giving system; the service end of the merchant credit giving system is used for verifying the validity of the received credit giving request, and if the verification is passed, the service end sends the credit giving request to the merchant credit management end of the operator; if the verification is not passed, returning corresponding error codes and error information to the bank client; and the operator merchant credit management end is used for carrying out credit processing on the merchant credit after receiving the credit request. The invention can solve the problem that the recharging service can not be carried out because the use of the line account of the merchant is finished, avoids the loss of the merchant and improves the use experience of the all-purpose card user.
Description
Technical Field
The invention relates to the technical field of traffic cards, in particular to a method and a device for automatically giving value to a commercial tenant line of a one-card recharging system.
Background
Along with the wide use of the all-purpose card in a plurality of fields, the convenient payment mode is loved and supported by people. Before the card is used, the card needs to be recharged, and then the card can be consumed in scenes such as buses, subways, shops and the like, and recharging operation needs to be carried out at recharging merchants. The credit account in the one-card recharging system is a risk control account set for the recharging merchant, and the recharging merchant can recharge the one-card only when the credit of the credit account is not 0, so that the recharging merchant needs to pay attention to the balance of the credit account of the one-card merchant in real time and timely supplement the credit, and the one-card user can be better served.
At present, the recharging merchant recharges the own limit account, namely, after money is transferred to the bank account of the operator through the bank, the operator carries out recharging on the limit account of the merchant through a manual recharging method in a recharging management system, and inconvenience is brought to recharging business of the merchant. Particularly, in holidays, operators need to charge certain amount for large merchants in advance to meet the charging demands of the merchants in the holidays, and small merchants can not carry out charging service because the amount is used, so that service loss is brought to the merchants, and the use experience of all-purpose card users is also influenced.
Disclosure of Invention
The purpose of the invention is that: the automatic commodity credit giving system for the all-purpose card recharging can solve the problem that recharging service cannot be carried out due to the fact that the commodity credit account is used completely, avoids loss of a commodity, and improves use experience of all-purpose card users.
In order to achieve the above object, the present invention provides an automatic credit giving system for a credit line of a card, comprising: a bank client, a merchant credit giving system server and an operator merchant credit management end;
the bank client is used for scanning whether funds are transferred into the sub-account of the operator or not at regular time, if yes, automatically collecting the funds into the total account of the operator, and initiating a credit giving request to the service end of the merchant credit giving system; wherein, the operator sub-account is that an operator distributes a bank account for each recharging merchant;
the service end of the merchant credit giving system is used for verifying the validity of the received credit giving request, and if the verification is passed, the service end sends the credit giving request to the merchant credit management end of the operator; if the verification is not passed, returning corresponding error codes and error information to the bank client;
and the operator merchant credit management end is used for carrying out credit processing on the merchant credit after receiving the credit request.
Further, the validity verification includes: request message integrity checking, information checking and repeated transaction checking; wherein the information inspection includes: checking a banking institution, checking a merchant terminal and checking a merchant limit account;
the request message integrity check specifically comprises the following steps: checking whether the message length meets the requirement, and checking whether the message information abstract check code is correct;
the information inspection specifically comprises the following steps: after receiving the credit request, the service end of the merchant credit system checks whether a banking institution, a merchant terminal and a merchant credit account exist or not, and whether the merchant terminal opens a credit function of the merchant credit or not;
the repeated transaction check is specifically: after receiving the credit giving request, the server side of the merchant credit giving system checks whether the transmitted credit giving request is processed or not; if yes, directly returning a processing result; if not, sending the credit giving request to the operator merchant credit management end.
Further, the operation Shang Zi account number is used as a funding source account for the credit.
Further, the bank client is further used for the merchant to inquire the credit transaction, and the inquired result is the latest 5 credit transaction records.
Further, if a network failure occurs in the credit giving process, and the server side of the bank background system cannot receive the credit giving result information, the bank background system initiates a credit giving request to the merchant credit giving system again after a time interval.
Further, the interval time is 5 minutes.
Further, the bank client is also used for inquiring the credit transaction statement.
Further, the operator merchant limit management end is further configured to manage a payment mechanism, specifically: and managing the operator cooperative banks, including adding and deleting banks, starting bank states and suspending.
Further, the operator merchant credit management end is also used for inquiring and counting credit data.
Compared with the prior art, the automatic merchant credit recharging system for the one-card recharging has the beneficial effects that:
the invention provides a merchant amount automatic recharging system for a one-card recharging, which comprises: a bank client, a merchant credit giving system server and an operator merchant credit management end; the bank client is used for scanning whether funds are transferred into the sub-account of the operator or not at regular time, if yes, automatically collecting the funds into the total account of the operator, and initiating a credit giving request to the service end of the merchant credit giving system; wherein, the operator sub-account is that an operator distributes a bank account for each recharging merchant; the service end of the merchant credit giving system is used for verifying the validity of the received credit giving request, and if the verification is passed, the service end sends the credit giving request to the merchant credit management end of the operator; if the verification is not passed, returning corresponding error codes and error information to the bank client; and the operator merchant credit management end is used for carrying out credit processing on the merchant credit after receiving the credit request. The invention can solve the problem that the recharging service can not be carried out because the use of the line account of the merchant is finished, avoids the loss of the merchant and improves the use experience of the all-purpose card user.
Drawings
In order to more clearly illustrate the technical solutions of the present invention, the drawings that are needed in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings can be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic structural diagram of a merchant credit automatic recharging system for one-card recharging according to a first embodiment of the present invention;
fig. 2 is a schematic diagram of a credit rating flow in an automatic credit rating system for charging a card according to a first embodiment of the present invention;
fig. 3 is a schematic diagram of an information transmission structure in a merchant credit automatic recharging system for one-card recharging according to a first embodiment of the present invention;
fig. 4 is a schematic diagram of a message header format in a merchant credit automatic credit system for one-card recharging according to a first embodiment of the present invention;
FIG. 5 is a schematic diagram of a message format in a system for automatically recharging a credit line of a smart card according to a first embodiment of the present invention;
fig. 6 is a schematic diagram of a credit rating query flow in a system for automatically rating a credit rating of a smart card according to a first embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
First embodiment of the present invention:
as shown in fig. 1, a system 100 for automatically recharging a merchant credit for a card according to an embodiment of the invention includes: the system comprises a bank client 101, a merchant credit giving system server 102 and an operator merchant credit management end 103;
the bank client 101 is configured to periodically scan whether the operator sub-account has funds transferred, if yes, automatically collect funds into an operator main account, and initiate a credit giving request to the merchant credit giving system server; wherein, the operator sub-account is that an operator distributes a bank account for each recharging merchant;
the merchant credit rating system server 102 is configured to perform validity verification on the received credit rating request, and if the verification is passed, send the credit rating request to the operator merchant credit rating management end; if the verification is not passed, returning corresponding error codes and error information to the bank client;
the merchant credit management end 103 is configured to perform credit processing on the merchant credit after receiving the credit request.
It should be noted that, the credit giving process is shown in fig. 2;
it should be noted that, the merchant can transfer funds to the sub-account of the operator on the internet at the bank counter, the bank self-service terminal or the bank mobile phone APP;
it should be noted that, as shown in fig. 3, in order to ensure the security and stability of the transaction data transmission, the whole system is connected in the form of a network dedicated line. After sending the message of the credit limit giving value or inquiring, the bank client sends the message to the local operator network, then forwards the message to the operator management end, and after the operator management end finishes processing, the message is returned to the bank client according to the original path.
In one embodiment of the present invention, the validity verification includes: request message integrity checking, information checking and repeated transaction checking; wherein the information inspection includes: checking a banking institution, checking a merchant terminal and checking a merchant limit account;
the request message integrity check specifically comprises the following steps: checking whether the message length meets the requirement, and checking whether the message information abstract check code is correct;
the information inspection specifically comprises the following steps: after receiving the credit request, the service end of the merchant credit system checks whether a banking institution, a merchant terminal and a merchant credit account exist or not, and whether the merchant terminal opens a credit function of the merchant credit or not;
the repeated transaction check is specifically: after receiving the credit giving request, the server side of the merchant credit giving system checks whether the transmitted credit giving request is processed or not; if yes, directly returning a processing result; if not, sending the credit giving request to the operator merchant credit management end.
It should be noted that, the data transmission of the banking system and the merchant credit giving system adopts a fixed message format, and 6 types of messages are respectively: a credit request message, a credit response message, a query request message, a query response message, a terminal quota query message and a terminal quota query response message; the specific message structure is shown in tables 1-9;
table 1: message structure description information
Table 2: request message for credit limit
For example:
SAC01011 14320170516173322101880120000181
0000123456 100000
3D15DBED9DE6CB2B0E90945E8C551D3E
table 3: response message for credit
Examples:
successful message of value:
SAC01021 168 20170516213402101880120000181
00001234560000123698547＠45600＠100000＠145600
FDA19C6184A804D95796E2E850B232DC
value-giving failure message:
SAC01021 154 20170516213402101880120000181
000012345601 the merchant terminal has no function of opening the automatic credit
87C3F1D22E7AD19B486388F043685252
Table 4: merchant limit credit inquiry request message
For example:
SAC02011 89101880120000181
7EC0DCAA0908DD6651216F0CB03702A1
table 5: merchant credit value inquiry response message
Table 6: field description in a merchant credit statement query message
Examples:
the inquiry is successful:
SAC02021
26110188012000018100998000125＠00123698547＠20170516224802＠45600＠100000＠145600&998000124＠00123698546＠20170515120802＠85600＠200000＠285600&998000123＠00123698544＠20170514102824＠65600＠300000＠365600
77095895B274A8AB98A11CAE4B462128
query failure:
SAC02021 10210188012000018102 the merchant terminal does not have a value record
3240F8357DA344C91DB54AB3448D5184
Table 7: terminal limit inquiry request message
For example:
SAC03011 89101880120000181
7EC0DCAA0908DD6651216F0CB03702A1
table 8: terminal limit inquiry response message
Table 9: field description in terminal limit inquiry message
Examples:
the inquiry is successful:
SAC03021 6810188012000018100110167515＠30000＠20140423110818＠
load-up transaction
B57D0639E4DAF9E346745327796DC263
Query failure:
SAC03021 10210188012000018102 terminal [880120000181] is absent
E44CCF3F20D833D0AA908A30E69853AE
Each message is divided into two parts, namely a message head and a message body. The message header contains information such as message category, version number, message body encryption algorithm, message length and the like, and the content of the message body is different because the category is different. All messages are encoded by UTF-8, and the contents of all fields are arranged by character strings. The message header format is shown in fig. 4; the message body format is shown in fig. 5;
it should be noted that, the bank code in the message: a unique bank mechanism is represented, and the unique bank mechanism is obtained by automatic distribution of the all-purpose card recharging system; merchant value terminal number: representing a recharging terminal in the all-purpose card recharging system, wherein the terminal belongs to a recharging merchant under an operator; serial number of bank transaction: representing the only one specific transfer transaction in the banking system; treatment serial number: representing the only one specific merchant credit transaction in the one-card recharging platform.
It should be noted that, in order to ensure the security and integrity of data transmission, a secure encryption part is added to the message, and the functions are as follows:
1. generating message digest
And calculating the abstract of the message body by using an MD5 algorithm, and filling the abstract into a MD5 check field part of the message.
2. High performance server design
The server side of the merchant credit giving system adopts a high-performance server architecture design, can cope with the requirements of large concurrency and real-time performance, and can safely and stably run for a long time.
In one embodiment of the invention, the operator Shang Zi account number is used as a funding source account for the credit.
In one embodiment of the present invention, the banking client is further configured to query the credit transaction by the merchant, where the query result is a most recent 5 credit transaction records.
It should be noted that, the flow of the credit inquiry is shown in fig. 6;
in one embodiment of the present invention, information transfer is performed between the bank client, the merchant credit rating system server and the operator merchant credit rating management terminal through a network dedicated line.
In an embodiment of the present invention, if a network failure occurs in the credit giving process, and the server side of the back-office system of the bank cannot receive the credit giving result information, after the back-office system of the bank has time interval, a credit giving request is initiated to the merchant credit giving system again.
In one embodiment of the invention, the interval is 5 minutes.
In one embodiment of the invention, the banking client is further configured to query a credit transaction statement.
In one embodiment of the present invention, the operator merchant credit management end is further configured to manage a payment mechanism, specifically: and managing the operator cooperative banks, including adding and deleting banks, starting bank states and suspending.
In one embodiment of the present invention, the operator merchant credit management end is further configured to query and count credit authorization data.
It should be noted that, the automatic credit system for a credit line of a card recharging needs to be tested to be online, including:
1. functional testing
And the system is used for completely testing various functions to be realized, so that the accuracy of data processing is ensured, and the functions meet the design requirements.
2. Real-time testing
Because the system is a real-time service processing system, whether the service can be processed in real time is directly related to the experience of a user, and therefore, the response speed, the response time and the processing time of the system are comprehensively tested to meet the design requirement.
3. Pressure testing
The system can reliably and stably run, can cope with data processing requests with large concurrency, and is important for pressure testing of the system. The system can be reliably run on-line only if the relevant pressure test is passed.
The embodiment of the invention provides a merchant quota automatic recharging system for a one-card recharging, which comprises the following components: a bank client, a merchant credit giving system server and an operator merchant credit management end; the bank client is used for scanning whether funds are transferred into the sub-account of the operator or not at regular time, if yes, automatically collecting the funds into the total account of the operator, and initiating a credit giving request to the service end of the merchant credit giving system; wherein, the operator sub-account is that an operator distributes a bank account for each recharging merchant; the service end of the merchant credit giving system is used for verifying the validity of the received credit giving request, and if the verification is passed, the service end sends the credit giving request to the merchant credit management end of the operator; if the verification is not passed, returning corresponding error codes and error information to the bank client; and the operator merchant credit management end is used for carrying out credit processing on the merchant credit after receiving the credit request. The invention can solve the problem that the recharging service can not be carried out because the use of the line account of the merchant is finished, avoids the loss of the merchant and improves the use experience of the all-purpose card user.
The foregoing is merely a preferred embodiment of the present invention, and it should be noted that modifications and substitutions can be made by those skilled in the art without departing from the technical principles of the present invention, and these modifications and substitutions should also be considered as being within the scope of the present invention.
Claims (8)
1. An automatic credit giving system for a commercial tenant credit for one-card recharging, which is characterized by comprising: a bank client, a merchant credit giving system server and an operator merchant credit management end;
the bank client is used for regularly scanning whether funds are transferred into the sub-accounts of the operators or not, if yes, automatically collecting the funds into the total accounts of the operators, and initiating a credit giving request to the service end of the merchant credit giving system; wherein, the operator sub-account is that an operator distributes a bank account for each recharging merchant; the operator sub-account is used as a fund source account of the credit;
the service end of the merchant credit giving system is used for verifying the validity of the received credit giving request, and if the verification is passed, the service end sends the credit giving request to the merchant credit management end of the operator; if the verification is not passed, returning corresponding error codes and error information to the bank client;
the operator merchant credit management end is used for carrying out credit processing on the merchant credit after receiving the credit request;
the validity verification includes: request message integrity checking, information checking and repeated transaction checking; wherein the information inspection includes: checking a banking institution, checking a merchant terminal and checking a merchant limit account;
the request message integrity check specifically comprises the following steps: checking whether the message length meets the requirement, and checking whether the message information abstract check code is correct;
the information inspection specifically comprises the following steps: after receiving the credit request, the service end of the merchant credit system checks whether a banking institution, a merchant terminal and a merchant credit account exist or not, and whether the merchant terminal opens a credit function of the merchant credit or not;
the repeated transaction check is specifically: after receiving the credit giving request, the server side of the merchant credit giving system checks whether the transmitted credit giving request is processed or not; if yes, directly returning a processing result; if not, sending the credit giving request to the operator merchant credit management end;
the data transmission of the banking system and the automatic credit system of the commercial tenant is in a fixed message format, and the corresponding message types comprise a credit request message, a credit response message, a credit inquiry request message, a credit inquiry response message, a terminal credit inquiry message and a terminal credit inquiry response message; the message header of the value-giving request message, the value-giving response message, the value-giving inquiry request message, the value-giving inquiry response message, the terminal limit inquiry message and the terminal limit inquiry response message sequentially comprises a process code, a message category, a message version number and a message length;
the message body of the credit request message sequentially comprises transaction time, a bank code, a merchant credit terminal number, a bank transaction serial number, a credit limit, a reserved domain and MD5 verification;
the message body of the value-giving response message sequentially comprises transaction time, a bank code, a merchant value-giving terminal number, a bank transaction serial number, a return code, a processing result, a reserved domain and MD5 verification;
the message body of the credit inquiry request message and the terminal credit inquiry message sequentially comprises a bank code, a merchant credit terminal number, a reserved domain and MD5 verification;
the message body of the credit inquiry response message and the terminal credit inquiry response message sequentially comprises a bank code, a merchant credit terminal number, a return code, a processing result, a reserved domain and MD5 verification;
the processing results of the value-giving inquiry response message comprise a bank transaction serial number, a one-card platform processing serial number, value-giving time, a balance before value-giving, value-giving amount and a balance after value-giving;
the processing result of the terminal quota inquiring response message comprises the current available amount, the last updated time and the last updated transaction type;
the fixed message format comprises a message code, a message end mark, a process code, a message category, a message encryption algorithm, a message version number, a return code and a date and time format, and the corresponding message construction steps comprise:
calculating the message length according to the content from the beginning of the process code to the end of the MD5 check;
performing MD5 verification according to the content from the beginning of the process code to the ending of the MD5 verification;
when the actual contents of the field do not reach the set maximum length, the set maximum length is reached by filling a space in front of the actual contents of the field.
2. The automatic credit rating system for card top-up according to claim 1, wherein the banking client is further configured to query the credit rating transaction by the merchant, and the query result is a record of the most recent 5 credit rating transactions.
3. The automatic credit rating system for card recharging according to claim 1, wherein the information transfer is performed between the bank client, the credit rating system server and the operator credit rating manager through a network dedicated line.
4. The automatic credit rating system for card recharging according to claim 1, wherein if a network failure occurs during the credit rating process, the server of the back-office system of the bank cannot receive the credit rating result information, and after a period of time is set between the server of the back-office system of the bank, a credit rating request is initiated to the server of the credit rating system of the merchant again.
5. The system for automatic credit rating system for one-card top-up according to claim 4, wherein the interval is 5 minutes.
6. The automated merchant credit rating system for one-card top-up of claim 1, wherein the banking client is further configured to query a credit transaction statement.
7. The automatic credit giving system for one-card recharging according to claim 1, wherein the operator merchant credit management terminal is further configured to manage a payment mechanism, specifically: and managing the operator cooperative banks, including adding and deleting banks, starting bank states and suspending.
8. The automatic credit rating system for card top-up according to claim 1, wherein the operator merchant credit rating system manager is further configured to query and count credit rating data.
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Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1466368A (en) * | 2002-07-02 | 2004-01-07 | 深圳市莫比克通信技术有限公司 | Method of wireless payment and prepaying charge selling and system thereof |
| CN109886667A (en) * | 2019-01-15 | 2019-06-14 | 安徽慧联运科技有限公司 | A kind of payment of freight management method of safe and convenient |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1466368A (en) * | 2002-07-02 | 2004-01-07 | 深圳市莫比克通信技术有限公司 | Method of wireless payment and prepaying charge selling and system thereof |
| CN109886667A (en) * | 2019-01-15 | 2019-06-14 | 安徽慧联运科技有限公司 | A kind of payment of freight management method of safe and convenient |
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