CN112116452A - Transaction processing method and device - Google Patents
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Abstract
The invention discloses a transaction processing method and a device, wherein the method comprises the following steps: obtaining a bank card number in the transaction request; inquiring bin information corresponding to the bank card number from a database according to the bank card number, and determining a card organization corresponding to the bank card number according to the inquired bin information, wherein the bin information of a plurality of card organizations is stored in the database; the target transaction system is determined according to the card organization corresponding to the bank card number, and the transaction request is sent to the target transaction system for transaction processing, so that the bin information corresponding to the bank card number can be inquired from the bin information of the plurality of card organizations according to the bank card number by storing the bin information of the plurality of card organizations, the automatic judgment of the bin information and the target transaction system is realized, the accuracy and the efficiency of the judgment of the bin information are improved, and the operation and maintenance cost is reduced.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a transaction processing method and apparatus.
Background
Financial institutions have financial transactions among different card organizations, and for online real-time transactions, the financial transactions are judged according to Bank Identification Number (bin) information of Bank cards, and then corresponding processing is performed.
When online transaction is carried out, program modules are independently added to each transaction system according to card organizations supported by the system to judge card bin information and the transaction systems corresponding to the online transaction.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a transaction processing method for improving the accuracy and efficiency of judgment of bin information, which comprises the following steps:
obtaining a bank card number in the transaction request;
inquiring bin information corresponding to the bank card number from a database according to the bank card number, and determining a card organization corresponding to the bank card number according to the inquired bin information, wherein the bin information of a plurality of card organizations is stored in the database;
and determining a target transaction system according to the card organization corresponding to the bank card number, and sending the transaction request to the target transaction system for transaction processing.
The embodiment of the invention provides a transaction processing device, which is used for improving the accuracy and efficiency of judgment of bin information and comprises the following components:
the card number obtaining module is used for obtaining the bank card number in the transaction request;
the card organization determining module is used for inquiring the card bin information corresponding to the bank card number from the database according to the bank card number, and determining the card organization corresponding to the bank card number according to the inquired card bin information, wherein the database stores the card bin information of a plurality of card organizations;
and the transaction processing module is used for determining a target transaction system according to the card organization corresponding to the bank card number and sending the transaction request to the target transaction system for transaction processing.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the transaction processing method is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the transaction processing method.
The embodiment of the invention comprises the following steps: obtaining a bank card number in the transaction request; inquiring bin information corresponding to the bank card number from a database according to the bank card number, and determining a card organization corresponding to the bank card number according to the inquired bin information, wherein the bin information of a plurality of card organizations is stored in the database; the target transaction system is determined according to the card organization corresponding to the bank card number, and the transaction request is sent to the target transaction system for transaction processing, so that the bin information corresponding to the bank card number can be inquired from the bin information of the plurality of card organizations according to the bank card number by storing the bin information of the plurality of card organizations, the automatic judgment of the bin information and the target transaction system is realized, the accuracy and the efficiency of the judgment of the bin information are improved, and the operation and maintenance cost is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of a transaction processing method according to an embodiment of the invention;
FIG. 2 is a diagram illustrating a process of creating a database according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a query flow for a fixed value card organization;
FIG. 4 is a schematic diagram of a query flow for a card organization specifying a range of values;
FIG. 5 is a diagram illustrating the structure of a transaction processing device according to an embodiment of the present invention;
fig. 6 is a schematic diagram of another structure of a transaction processing device according to an embodiment of the invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, method or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
Before describing the present invention, the principle and spirit of the present invention will be described first.
In the prior art, when online transactions are performed, each transaction system independently adds a program module to determine card bin information and a transaction system corresponding to the online transactions according to a card organization supported by the system, for example, there are an acquiring system a, an intermediate exchange system B and a system C, a card organization D, a card organization E and a card organization F, where the system B supports the transactions of the card organization D and the card organization E, and the system C supports the transactions of the card organization F and the card organization E.
Firstly, the acquiring system A receives an on-line transaction, and the acquiring system A adds a program module to judge whether the transaction should be sent to the system B or the system C, including: judging the transaction of the card organization D to be sent to the system B, the transaction of the card organization F to be sent to the system C, judging which transactions in the card organization E should be sent to the system B and which transactions should be sent to the system C, and so on, wherein the system B needs to be added with a program module to judge whether the transactions should be sent to the card organization D or the card organization E, and the system C needs to be added with a program module to judge whether the transactions should be sent to the card organization F or the card organization E.
Therefore, the judgment logics of different transaction systems and the supported card organizations have great differences, the efficiency and the accuracy of the judgment of the card bin information are reduced to a certain extent, in addition, the program modules are independently added to each transaction system, and the cost of system development is also increased.
Fig. 1 is a schematic diagram of a flow of a transaction processing method according to an embodiment of the present invention, as shown in fig. 1, the method includes:
step 101: obtaining a bank card number in the transaction request;
step 102: inquiring bin information corresponding to the bank card number from a database according to the bank card number, and determining a card organization corresponding to the bank card number according to the inquired bin information, wherein the bin information of a plurality of card organizations is stored in the database;
step 103: and determining a target transaction system according to the card organization corresponding to the bank card number, and sending the transaction request to the target transaction system for transaction processing.
As shown in fig. 1, an embodiment of the present invention is implemented by: obtaining a bank card number in the transaction request; inquiring bin information corresponding to the bank card number from a database according to the bank card number, and determining a card organization corresponding to the bank card number according to the inquired bin information, wherein the bin information of a plurality of card organizations is stored in the database; the target transaction system is determined according to the card organization corresponding to the bank card number, and the transaction request is sent to the target transaction system for transaction processing, so that the bin information corresponding to the bank card number can be inquired from the bin information of the plurality of card organizations according to the bank card number by storing the bin information of the plurality of card organizations, the automatic judgment of the bin information and the target transaction system is realized, the accuracy and the efficiency of the judgment of the bin information are improved, and the operation and maintenance cost is reduced.
Fig. 2 is a schematic diagram of a process of establishing a database according to an embodiment of the present invention, as shown in fig. 2, in an embodiment, before querying bin information corresponding to a bank card number from the database in step 102, the method further includes: the database is built as follows:
step 201: determining a bin type of each card organization according to the bin information of each card organization, wherein the bin type comprises the following steps: fixed values or specified ranges of values;
step 202: and establishing a database according to the bin information of the card organizations and the corresponding bin types.
In specific implementation, the card bin information required by a plurality of card organizations for determining a route may be obtained, the card organizations may include card organizations such as mastercard, VISA, JCB, dalia, american transportation, union pay, and the like, and may also include other card organizations, the invention is not limited thereto, the card bin is a bank identification code of the card and is used for identifying the card organization to which the bank card belongs, and the card bin information may include a card bin determination rule or a card bin type corresponding to each card organization, for example: a fixed value bin, or a bin specifying a range of values, may store bin information for each card organization in a database.
In step 101, a transaction request sent by a client may be received, a plurality of bank card numbers in the transaction request may be identified, and in step 102, card bin information corresponding to the bank card number may be queried from a database according to the bank card number, and a card organization corresponding to the bank card number may be determined according to the queried card bin information.
Fig. 3 is a schematic diagram of a query process of a card organization with a fixed numerical value, as shown in fig. 3, in an embodiment, the querying, in step 102, card bin information corresponding to a bank card number from a database according to the bank card number may include:
step 301: for the card organizations with fixed numerical values, obtaining the data length of the card bin information of each card organization;
step 302: and intercepting data with corresponding length from the bank card number in sequence according to the sequence of the data length from long to short, and determining the card bin information corresponding to the bank card number when the card bin information which is the same as the intercepted data is inquired.
In specific implementation, for a card organization with a fixed numerical value, the data length of the card bin information of each card organization may be obtained first, where the data length may be, for example, the first n bits of a bank card number, where n is 6, 7, and 8.. 12, the data length of some card organizations is the first 6 bits of the bank card number, the data length of some card organizations is the first 12 bits of the bank card number, and it is necessary to obtain the data lengths of different card organizations, and then, based on the longest matching principle, the data with corresponding lengths are sequentially cut from the bank card number according to the sequence of the data lengths from long to short, for example, the data length of the card organization is the first 12 bits, the first 11 bits, the first 10 bits, the first 9 bits, the first 8 bits, the first 7 bits, and the first 6 bits, and the first 12 bits, the first 11 bits, the first 10 bits, the first 9 bits, the first 8 bits, and the first 6 bits are sequentially cut from the bank card number according to the sequence of the, And after each interception of the data corresponding to the first 7 bits and the first 6 bits, inquiring bin information corresponding to the bank card number from the database, if the bin information identical to the intercepted data is inquired, determining the bin information corresponding to the bank card number, and if the bin information identical to the intercepted data is not inquired, considering that the bin information corresponding to the bank card number may be a bin in a certain value range, and needing to be further judged.
Fig. 4 is a schematic diagram of a query process of a card organization with a specified value range, as shown in fig. 4, in an embodiment, the querying, in step 102, card bin information corresponding to a bank card number from a database according to the bank card number may include:
step 401: for the card organizations with the appointed numerical range, obtaining the data length and the numerical range of the card bin information of each card organization;
step 402: and sequentially intercepting data with corresponding lengths from the bank card number according to the sequence of the data lengths from long to short, and determining the card bin information corresponding to the bank card number when the intercepted data is inquired to be larger than the minimum value of the numerical range of any card bin information and smaller than the maximum value of the numerical range of any card bin information.
In specific implementation, for a card organization with a designated value range, the data length and the value range of the bin information of each card organization are obtained first, where the data length may be, for example, the first n bits of a bank card number, n is 6, 7, 8.. 12, the value range may be, for example, "xxxxxx 1 to xxxxxx 9", and other value ranges may also be included, and the present invention is not limited thereto, and the value range is given as the maximum value and the minimum value of the bin range, the data with corresponding digits can be sequentially intercepted from the card number of the bank card according to the sequence of the data length from long to short, after each interception, inquiring whether the intercepted data is larger than the minimum value of the numerical range of any bin information and smaller than the maximum value of the numerical range of any bin information or not from the database, that is, whether the intercepted data falls within the range of "XXXX 1 to XXXX 9" or not, and if the intercepted data is inquired, determining the card bin information corresponding to the bank card number.
In specific implementation, in step 102, after the card bin information corresponding to the bank card number is determined, the card organization corresponding to the bank card number can be determined, in step 103, according to the card organization corresponding to the bank card number, the target transaction system corresponding to the card organization can be determined, then, the card bin information, the card organization and the target transaction system are assembled into a message in a json format based on JavaScript Object notification, and then, the assembled message is sent to the client corresponding to the transaction request, and the client corresponding to the transaction request can send the transaction request to the target transaction system for transaction processing based on the information in the message.
It should be noted that while the operations of the method of the present invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
Based on the same inventive concept, the embodiment of the present invention further provides a transaction processing apparatus, such as the following embodiments. Because the principle of the transaction processing device for solving the problems is similar to the transaction processing method, the implementation of the device can be referred to the implementation of the method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
An embodiment of the present invention provides a transaction processing apparatus for improving accuracy and efficiency of bin information determination, where fig. 5 is a schematic diagram of a structure of the transaction processing apparatus in the embodiment of the present invention, and as shown in fig. 5, the apparatus includes:
the card number obtaining module 01 is used for obtaining a bank card number in the transaction request;
the card organization determining module 02 is used for inquiring the card bin information corresponding to the bank card number from the database according to the bank card number, and determining the card organization corresponding to the bank card number according to the inquired card bin information, wherein the database stores the card bin information of a plurality of card organizations;
and the transaction processing module 03 is configured to determine a target transaction system according to a card organization corresponding to the bank card number, and send a transaction request to the target transaction system for transaction processing.
Fig. 6 is a schematic diagram of another structure of a transaction processing device according to an embodiment of the invention, as shown in fig. 6, in an embodiment, the device further includes: a database building module 04 configured to:
before inquiring the card bin information corresponding to the bank card number from the database, establishing the database according to the following mode;
determining a bin type of each card organization according to the bin information of each card organization, wherein the bin type comprises the following steps: fixed values or specified ranges of values;
and establishing a database according to the bin information of the card organizations and the corresponding bin types.
In one embodiment, the card organization determination module 03 is specifically configured to:
for the card organizations with fixed numerical values, obtaining the data length of the card bin information of each card organization;
and intercepting data with corresponding length from the bank card number in sequence according to the sequence of the data length from long to short, and determining the card bin information corresponding to the bank card number when the card bin information which is the same as the intercepted data is inquired.
In one embodiment, the card organization determination module 03 is specifically configured to:
for the card organizations with the appointed numerical range, obtaining the data length and the numerical range of the card bin information of each card organization;
and sequentially intercepting data with corresponding lengths from the bank card number according to the sequence of the data lengths from long to short, and determining the card bin information corresponding to the bank card number when the intercepted data is inquired to be larger than the minimum value of the numerical range of any card bin information and smaller than the maximum value of the numerical range of any card bin information.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the transaction processing method is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the transaction processing method.
The following is a specific example to facilitate an understanding of how the invention may be practiced.
The first step is as follows: acquiring bin information required by a plurality of card organizations for judging routing, and storing the bin information of each card organization in a database.
The second step is that: receiving a transaction request sent by a client, and identifying a bank card number in the transaction request;
the third step: for the card organization with fixed numerical value, acquiring the data length of the card bin information of each card organization, sequentially intercepting the data with corresponding length from the card number of the bank according to the sequence of the data length from long to short based on the longest matching principle, after each interception is completed, inquiring whether the card bin information which is the same as the intercepted data exists in a database, if so, determining the card bin information corresponding to the card number of the bank, and if not, executing the fourth step;
the fourth step: for card organizations with a specified numerical range, acquiring the data length and the numerical range of the card information of each card organization, sequentially intercepting data of corresponding digits from the card numbers of the bank card according to the sequence of the data length from long to short, and inquiring whether the intercepted data is larger than the minimum value of the numerical range of any card information and smaller than the maximum value of the numerical range of any card information or not from a database after each interception is finished, and if so, determining the card information corresponding to the card number of the bank card;
the fifth step: determining a card organization corresponding to a bank card number according to the inquired card bin information, further determining a target transaction system corresponding to the card organization, then assembling messages of the card bin information, the card organization and the target transaction system based on a json format, and sending the assembled messages to a client corresponding to the transaction request;
and a sixth step: and the client corresponding to the transaction request sends the transaction request to the target transaction system for transaction processing based on the information in the message.
In summary, the embodiment of the present invention provides: obtaining a bank card number in the transaction request; inquiring bin information corresponding to the bank card number from a database according to the bank card number, and determining a card organization corresponding to the bank card number according to the inquired bin information, wherein the bin information of a plurality of card organizations is stored in the database; the target transaction system is determined according to the card organization corresponding to the bank card number, and the transaction request is sent to the target transaction system for transaction processing, so that the bin information corresponding to the bank card number can be inquired from the bin information of the plurality of card organizations according to the bank card number by storing the bin information of the plurality of card organizations, the automatic judgment of the bin information and the target transaction system is realized, the accuracy and the efficiency of the judgment of the bin information are improved, and the operation and maintenance cost is reduced.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and variations of the embodiment of the present invention may occur to those skilled in the art. Any modification, equivalent replacement, or 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 transaction processing method, comprising:
obtaining a bank card number in the transaction request;
inquiring bin information corresponding to the bank card number from a database according to the bank card number, and determining a card organization corresponding to the bank card number according to the inquired bin information, wherein the bin information of a plurality of card organizations is stored in the database;
and determining a target transaction system according to the card organization corresponding to the bank card number, and sending the transaction request to the target transaction system for transaction processing.
2. The method of claim 1, prior to querying the database for bin information corresponding to the bank card number, further comprising: the database is built as follows:
determining a bin type of each card organization according to the bin information of each card organization, wherein the bin type comprises the following steps: fixed values or specified ranges of values;
and establishing a database according to the bin information of the card organizations and the corresponding bin types.
3. The method of claim 2, wherein querying the database for bin information corresponding to the bank card number according to the bank card number comprises:
for the card organizations with fixed numerical values, obtaining the data length of the card bin information of each card organization;
and intercepting data with corresponding length from the bank card number in sequence according to the sequence of the data length from long to short, and determining the card bin information corresponding to the bank card number when the card bin information which is the same as the intercepted data is inquired.
4. The method of claim 2, wherein querying the database for bin information corresponding to the bank card number according to the bank card number comprises:
for the card organizations with the appointed numerical range, obtaining the data length and the numerical range of the card bin information of each card organization;
and sequentially intercepting data with corresponding lengths from the bank card number according to the sequence of the data lengths from long to short, and determining the card bin information corresponding to the bank card number when the intercepted data is inquired to be larger than the minimum value of the numerical range of any card bin information and smaller than the maximum value of the numerical range of any card bin information.
5. A transaction processing device, comprising:
the card number obtaining module is used for obtaining the bank card number in the transaction request;
the card organization determining module is used for inquiring the card bin information corresponding to the bank card number from the database according to the bank card number, and determining the card organization corresponding to the bank card number according to the inquired card bin information, wherein the database stores the card bin information of a plurality of card organizations;
and the transaction processing module is used for determining a target transaction system according to the card organization corresponding to the bank card number and sending the transaction request to the target transaction system for transaction processing.
6. The apparatus of claim 5, further comprising: a database establishment module to:
before inquiring the card bin information corresponding to the bank card number from the database, establishing the database according to the following mode;
determining a bin type of each card organization according to the bin information of each card organization, wherein the bin type comprises the following steps: fixed values or specified ranges of values;
and establishing a database according to the bin information of the card organizations and the corresponding bin types.
7. The apparatus of claim 6, wherein the card organization determination module is specifically configured to:
for the card organizations with fixed numerical values, obtaining the data length of the card bin information of each card organization;
and intercepting data with corresponding length from the bank card number in sequence according to the sequence of the data length from long to short, and determining the card bin information corresponding to the bank card number when the card bin information which is the same as the intercepted data is inquired.
8. The apparatus of claim 6, wherein the card organization determination module is specifically configured to:
for the card organizations with the appointed numerical range, obtaining the data length and the numerical range of the card bin information of each card organization;
and sequentially intercepting data with corresponding lengths from the bank card number according to the sequence of the data lengths from long to short, and determining the card bin information corresponding to the bank card number when the intercepted data is inquired to be larger than the minimum value of the numerical range of any card bin information and smaller than the maximum value of the numerical range of any card bin information.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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| CN112765224A (en) * | 2021-01-27 | 2021-05-07 | 云账户技术(天津)有限公司 | Automatic distributor code matching method and device and electronic equipment |
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| CN102117453A (en) * | 2009-12-30 | 2011-07-06 | 中国银联股份有限公司 | Method and system for accepting various payment cards and performing transaction transfer treatment |
| CN103268678A (en) * | 2013-05-09 | 2013-08-28 | 雅酷时空科技开发（北京）有限公司 | POS terminal, server and method for processing issuing bank identification code conflicts |
| CN107688942A (en) * | 2016-08-03 | 2018-02-13 | 方正国际软件(北京)有限公司 | A kind of case-involving bank card processing method, apparatus and system |
| CN111027966A (en) * | 2019-11-07 | 2020-04-17 | 中国建设银行股份有限公司 | Service processing method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112765224A (en) * | 2021-01-27 | 2021-05-07 | 云账户技术(天津)有限公司 | Automatic distributor code matching method and device and electronic equipment |
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