CN112215705B - International credit card clearing platform - Google Patents
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- CN112215705B CN112215705B CN202011394336.2A CN202011394336A CN112215705B CN 112215705 B CN112215705 B CN 112215705B CN 202011394336 A CN202011394336 A CN 202011394336A CN 112215705 B CN112215705 B CN 112215705B
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F11/00—Error detection; Error correction; Monitoring
- G06F11/07—Responding to the occurrence of a fault, e.g. fault tolerance
- G06F11/08—Error detection or correction by redundancy in data representation, e.g. by using checking codes
- G06F11/10—Adding special bits or symbols to the coded information, e.g. parity check, casting out 9's or 11's
- G06F11/1004—Adding special bits or symbols to the coded information, e.g. parity check, casting out 9's or 11's to protect a block of data words, e.g. CRC or checksum
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/22—Indexing; Data structures therefor; Storage structures
- G06F16/2228—Indexing structures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/25—Integrating or interfacing systems involving database management systems
- G06F16/258—Data format conversion from or to a database
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F9/00—Arrangements for program control, e.g. control units
- G06F9/06—Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
- G06F9/46—Multiprogramming arrangements
- G06F9/48—Program initiating; Program switching, e.g. by interrupt
- G06F9/4806—Task transfer initiation or dispatching
Abstract
The invention discloses an international credit card clearing platform, which comprises a routing layer, an application layer, a data layer and a supporting layer, wherein the routing layer is used for receiving a credit card clearing request sent by a user; the application layer comprises a card organization processing system and a public service system; the card organization processing system is used for processing the incoming file of each card organization, generating an entry file, generating an outgoing file from the initiated online dispute transaction and uploading the outgoing file to the card organization; the public service system is used for providing public service for the card organization processing system; the routing layer comprises a storage route; the storage router is used for receiving the data processed by the application layer and storing the data to the data layer in an isolation manner; the data layer is used for receiving and storing the files sent by the routing layer and the supporting layer; the supporting layer is used for providing file management, task scheduling and monitoring services for the application layer and sending service parameters of the file management, task scheduling and monitoring services to the data layer for storage; the platform organizes various cards to be independent on an application level and has a multi-tenant function.
Description
Technical Field
The invention relates to the technical field of credit card systems in financial industry, in particular to an international credit card clearing platform.
Background
The credit card clearing platform realizes data interfacing with VISA, JCB, AMEX and MASTERCARD international credit card organizations, completes file downloading and analysis of the card organizations, interfaces a credit card core transaction posting system, and completes posting data generation, file processing and uploading, dispute transaction processing and related data query functions.
The existing bank system is an IBM mainframe, an Oracle database and EMC storage equipment which are adopted, localization is not realized, the existing bank system is dependent on foreign technologies, autonomous intellectual property from hardware to software is lacked, operation and maintenance cost is extremely high, and data has safety problems; moreover, various card organizations in the current system cannot be independent in the application level, and when the system of a certain card organization in the platform is down, the system can influence other card organization processing systems to process data.
And many small and medium-sized banks or financial institutions can not independently operate a complete international credit card clearing and clearing system due to the problem of human resources or funds, and the current international credit card clearing and clearing platform does not have the function of multiple tenants.
Disclosure of Invention
The invention aims to provide an international credit card organization liquidation platform, which is used for enabling various card organizations to be independent on the application level, is more flexible in project implementation and improves the technical openness, system flexibility and data richness; IOE removal is realized, continuous innovation of services is met, and meanwhile, the system has stability, reliability and flexibility; and the platform has multi-tenant functions.
The technical scheme adopted by the invention is as follows: an international credit card credit clearing platform comprising: a routing layer, an application layer, a data layer and a support layer;
the application layer comprises a card organization processing system and a public service system; the card organization processing system is used for processing incoming files of each card organization, generating an entry file, generating an outgoing file from the initiated online dispute transaction and uploading the outgoing file to the card organization; the public service system is used for providing public service for the card organization processing system;
the routing layer comprises a storage route; the storage route is used for receiving the data processed by the application layer and storing the data to the data layer in an isolation manner;
the data layer is used for receiving and storing the files sent by the routing layer and the supporting layer;
the supporting layer is used for providing file management, task scheduling and monitoring services for the application layer, and sending service parameters of the file management, task scheduling and monitoring services to the data layer for storage.
Preferably, the storage route implements isolated storage of data by:
s210: setting a database fragmentation routing index;
s220: creating a fragment routing table based on the database fragment routing index;
s230: and carrying out isolated storage on data based on the fragment routing table.
Preferably, the card organization processing system comprises a plurality of card organization processing systems independent from each other, the card organizations corresponding to the card organization processing systems are different from each other, and each card organization processing system is configured to process incoming files sent by the corresponding card organization, generate an entry file, and generate an outgoing file for the initiated online dispute transaction and upload the outgoing file to the corresponding card organization.
Preferably, the card organization processing system includes a plurality of an AMEX processing system, a JCB processing system, a MASTERCARD processing system, and a VISA processing system.
Preferably, the card organization processing systems are deployed and operated independently, and when one card organization processing system is down, the data processing of other card organization processing systems is not affected.
Preferably, the integrating file processing includes the steps of:
1) acquiring an incoming file of a card organization;
2) carrying out repeatability check on the incoming file;
3) transcoding the file passing the repeatability test;
4) analyzing the transcoded file;
5) performing data storage on the analyzed data;
6) and generating a transaction posting file after storage, and sending the transaction posting file to a bank core system for posting.
Preferably, the outgoing file processing comprises the following steps:
1) entering dispute advice on disputed incominding data;
2) the routing layer carries out data routing storage on the input information;
3) auditing disputes;
4) generating dispute financial transaction data after the auditing is passed;
5) after the application layer identifies disputed financial transactions, automatically generating corresponding outgoing files;
6) the outgoing file format is converted and sent to the card organization.
Preferably, the public service system comprises a parameter management system and a basic service system;
the parameter management system is used for controlling the service control parameters of each card organization;
the basic service system is used for providing tool type services.
Preferably, the data layer comprises file data, transaction data and service control parameter data;
the file data is an incoming file acquired by a bank from a card organization and an outgoing file sent to the card organization by the bank;
the transaction data is obtained after the incoming file is analyzed;
the service control parameter data is the parameter data managed and set by the application layer parameter management system.
Preferably, the support layer comprises a data storage system, a file management system, a task scheduling system and middleware software;
the data storage system is used for storing the transaction records analyzed by the incoming file;
the file management system is used for managing the incomings and outgoing files, and comprises the steps of classifying the files according to the day, and cleaning all the files at regular time after compression and backup;
the task scheduling system is used for automatically triggering the corresponding program at the corresponding time to process;
the middleware software is software for supporting the system.
The beneficial effects of the above technical scheme are that:
(1) the invention effectively solves the problem of limitation of the traditional credit card clearing and clearing technology, and simultaneously improves the data interaction processing capacity of the international card organization, improves the experience friendliness of credit card holders and enhances the compatibility of a platform system under the trend that the number of credit cards is increasing day by day.
(2) The international credit card organization liquidation platform disclosed by the invention has the advantages of technical openness, system flexibility, data richness and the like.
(3) The international credit card organization liquidation platform disclosed by the invention adopts an open platform technology, realizes IOE removal, is compatible with a traditional ORACLE database, and meets the continuous innovation of services on the premise of not influencing the stability, reliability and flexibility of the system.
(4) The international credit card clearing platform disclosed by the invention has a multi-tenant function, and provides a solution for the international credit card clearing platform which cannot be independently operated and completed by one set due to human resources or fund problems in middle and small banks or financial institutions. The platform supports a plurality of banks or financial institutions to share one platform, and meanwhile, the data of different tenants can be completely isolated in an application layer and a data storage layer.
(5) The invention adopts a micro-service system structure, uses a spring group-based micro-service frame as a number-based frame, and independently organizes various cards on an application level, so that the system has more flexibility in project implementation, and a bank can purchase one or more systems in VISA, JCB, AMEX and MASTERCARD according to the requirement of accessing the bank to an international card organization; and each card organization processing system operates independently, the service is deployed, and when the system of a certain card organization is down, the data processing of other card organization processing systems is not influenced.
Drawings
Fig. 1 is a schematic diagram of an architecture level of an international credit card credit settlement platform according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a file processing flow of the AMEX processing system, the JCB processing system, the MASTERCARD processing system and the VISA processing system according to one embodiment of the invention;
fig. 3 is a flow chart of an incorporating file processing according to an embodiment of the present invention;
fig. 4 is a flowchart of the outlying file processing according to an embodiment of the present invention.
Detailed Description
The embodiments of the present invention will be described in further detail with reference to the drawings and examples. The following detailed description of the embodiments and the accompanying drawings are provided to illustrate the principles of the invention and are not intended to limit the scope of the invention, which is defined by the claims, i.e., the invention is not limited to the preferred embodiments described.
In the description of the present invention, it is to be noted that, unless otherwise specified, "a plurality" means two or more; the terms "first," "second," and the like are used for descriptive purposes only and are not to be construed as indicating or implying relative importance; the specific meaning of the above terms in the present invention can be understood as appropriate to those of ordinary skill in the art.
Example one
As shown in fig. 1, the embodiment discloses an international credit card clearing platform, which includes a routing layer, an application layer, a data layer and a support layer from an architecture layer;
the routing layer is used for supporting the processing of multiple tenants, the multiple tenants are multiple banks or financial institutions, namely, one clearing platform can be used by the multiple banks or financial institutions at the same time; the routing layer comprises a storage route (data route), the storage route is the data route which is used for receiving the data processed by the application layer and storing the data to the database in an isolated way; namely, when the application layer has data to be stored, the data of the application layer is subjected to isolated storage of client data of different tenants through data routing, so that physical data isolation is achieved.
The data of the clients under different tenants can be routed to the physical data storage fragment of the corresponding tenant for storage, and a Sharding-JDBC distributed database middleware is adopted as a database partitioning technical support; the specific method comprises the following steps:
(1) setting a database fragmentation routing index; setting a tenant id + a client id as a fragment routing key value of the database;
(2) creating a fragment routing table based on the database fragment routing index; the fragment routing table consists of table structure fields, for example: database fragment id, tenant id and client id;
(3) carrying out isolated storage on data based on the fragment routing table; caching the fragment routing table data to a database by adopting a redis cache, and establishing a database fragment id + tenant id + client id cache to realize high-speed retrieval;
when a new customer is registered in a certain tenant channel, a fragment routing relation is established, and fragment routing data of the new customer is inserted into a fragment routing table; when data is stored, the data layer route matches the data storage fragment id from the redis through the tenant id and the client id, and then the data is stored in an isolated mode.
The application layer comprises a card organization processing system and a public service system; the card organization processing system is used for processing the incoming file of each card organization to generate an account entry file; generating an outgoing file for online dispute transactions initiated by service personnel, and sending the files to card organizations, wherein the card organizations comprise an AMEX card organization, a JCB card organization, a MASTERCARD card organization and a VISA card organization; the public service system is used for providing some public services for each subsystem (AMEX processing system, JCB processing system, MASTERCARD processing system and VISA processing system) in the card organization processing system to call, such as parameter configuration at the system level, management of business date, money calculation tool, date processing tool, file transcoding tool and the like; the card organization processing system comprises an AMEX processing system, a JCB processing system, a MASTERCARD processing system and a VISA processing system, wherein the AMEX processing system is used for processing incomming files sent by the AMEX card organization, generating posting files, generating outgoing files for online dispute transactions initiated by service personnel, and uploading the files to the AMEX card organization; the JCB processing system is used for processing incoming files sent by the JCB card organization, generating account entry files, generating outgoing files for online dispute transactions initiated by service personnel, and uploading the files to the JCB card organization; the MASTERCARD processing system is used for processing incomming files sent by the MASTERCARD card organization, generating an entry file, generating an outgoing file for online dispute transactions initiated by business personnel, and uploading the files to the MASTERCARD card organization; the VISA processing system is used for processing incomming files sent by the VISA card organization, generating entry files, generating outgoing files for online dispute transactions initiated by business personnel, and sending the files to the VISA card organization; the public service system comprises a parameter management system and a basic service system; the parameter management system is used for controlling service control parameters of each card organization, such as tenant definition, currency definition, exchange rate definition and the like; the basic service system is used for providing tool class services, such as coding conversion of files, format conversion of data and the like.
Before the AMEX processing system, the JCB processing system, the MASTERCARD processing system and the VISA processing system write codes, the code package can be independently deployed by planning, and the independent deployment method specifically comprises the following steps: the method comprises the following steps that modular division is carried out on subsystems in a system by combining code package planning with an application layer, codes of a written system are classified and packaged to form program packages of different system modules, the written codes are isolated according to the division of the subsystems, the codes can be deployed independently, and the code package of which system is deployed when which system is needed can be deployed; the project implementation is more flexible, and a bank can purchase one or more systems of VISA, JCB, AMEX and MASTERCARD according to the requirement of accessing the international card organization per se and deploy corresponding module services; for example, if an AMEX card organization clearing system is independently deployed, the AMEX processing system, the parameter management system and the basic service system are simultaneously deployed to a server, and a public service can simultaneously provide services for a plurality of modules, so that hardware resources are reduced; and the AMEX processing system, the JCB processing system, the MASTERCARD processing system and the VISA processing system in the card organization are independently deployed, and the card organization has the advantage that when one system in the card organization is down, the data processing of other card organization processing systems cannot be influenced.
The application layer is a platform core service logic implementation layer, and the liquidation project (liquidation code packet set) is combined with the application layer to carry out modular division on a system project structure, so that service functions are clear, deployment is light, maintenance is simple and easy, the system interaction capacity is improved, the development efficiency is improved, and standardization, platformization and intellectualization are achieved.
As shown in fig. 2, the processes of the AMEX processing system, the JCB processing system, the MASTERCARD processing system, and the VISA processing system each include: incoming file processing (posting file processing) and outgoing file processing;
(1) as shown in fig. 3, the incorporation document processing includes the following steps:
1) the platform automatically acquires the incoming file of a certain card organization at a appointed time, wherein the card organization is VISA, JCB, AMEX or MASTERCARD (but not limited to the VISA, the JCB, the AMEX or the MASTERCARD);
2) the method comprises the following steps of carrying out repeated verification on an successfully obtained incoming file, and avoiding repeated processing of transaction data caused by repeated obtaining of the same file;
3) transcoding the file which passes the repetitive test, converting the file into an ASCII code supported by a system when different card organization file coding formats are different;
4) analyzing the transcoded file, wherein the analysis process is to convert the content of the card organization file into transaction financial information and extract all financial information fields, such as card number, transaction code, transaction amount, merchant and other information;
5) and storing the analyzed data, wherein the data routing function is involved at the moment, and the data is stored in the corresponding tenant database fragment.
6) And generating a transaction posting file, and sending the transaction posting file to a bank core system for posting.
(2) As shown in fig. 4, the outlying file processing includes the following steps:
1) the bank staff carries out input of dispute advice on disputed incominding data on the management platform;
2) the routing layer carries out data routing storage on the input information;
3) the bank staff with the approval authority audits the dispute;
4) generating dispute financial transaction data after the auditing is passed;
5) after the application layer identifies disputed financial transactions, automatically generating corresponding outgoing files;
6) and converting the format of the outgoing file and transmitting the outgoing file to the card organization according to different encoding formats of the received file by different card organizations.
In the batch processing, one task may be a single deployed jar package, such as export file parsing processing of VISA, or a task chain composed of a plurality of deployed jar packages, such as export file parsing processing of VISA and then generating financial data, and through configuration of the dispatching platform, a service processing procedure can be flexibly combined with a function point as a unit.
The data layer is used for receiving the files sent by the routing layer and the supporting layer and carrying out persistent storage on the files; the data layer includes file data, transaction data and traffic control parameter data. The file data is an incoming file acquired by a bank from a card organization and an outgoing file sent to the card organization by the bank; the transaction data is obtained after the incoming file is analyzed; the service control parameter data is the parameter data managed and set by the application layer parameter management system.
The support layer comprises a data storage system, a file management system, a task scheduling system and middleware software. The supporting layer is mainly formed by various open source technologies and is used for providing services such as file management, task scheduling service monitoring and the like for the application layer and sending service parameters such as the file management, the task scheduling service monitoring and the like to the data layer for storage; the data storage system is used for storing the transaction records analyzed by the incoming file; the file management system is used for managing the incomings and the outgoing files, and because the amount of the incomings and the outgoing files received and generated every day is large, the file management system can classify the files according to the day and can also clean all the files regularly, so that excessive storage resources are avoided being occupied, and compressed backup is carried out before cleaning; the task scheduling system is used for automatically triggering a corresponding program to process at a corresponding time, and because the processing of an incoming file or an outgoing file of one card organization channel needs to be completed by multi-step processing, and the processing steps of different time nodes are different, the task needs to be planned; middleware software is some software supporting the system, such as for log collection management, health check monitoring of services (but not limited thereto).
The international credit card clearing platform disclosed by the invention has a multi-tenant function, and provides a solution for the international credit card clearing platform which cannot be independently operated and completed by one set due to human resources or fund problems in middle and small banks or financial institutions. The platform supports a plurality of banks or financial institutions to share one platform, and meanwhile, the data of different tenants can be completely isolated in an application layer and a data storage layer.
The invention discloses a clearing and liquidating platform of an international credit card, which mainly provides a channel for information interfacing with an international credit card organization (VISA, JCB, AMEX and MASTERCARD) for financial institutions such as banks and the like, converts transaction data messages of different formats of the international credit card organization into a unified processable data format in the banks, or converts the transaction data format in the banks into a format corresponding to the requirements of the international card organization and sends the format to the international card organization.
The invention effectively solves the problem of limitation of the traditional credit card clearing and clearing technology, and simultaneously improves the data interaction processing capacity of the international card organization, improves the experience friendliness of credit card holders and enhances the compatibility of a platform system under the trend that the number of credit cards is increasing day by day.
The international credit card organization liquidation platform disclosed by the invention has the advantages of technical openness, system flexibility, data richness and the like.
The international credit card organization liquidation platform disclosed by the invention adopts an open platform technology, namely all technical groups used by the whole system are open sources, IOE removal is realized (IBM small-sized machines, Oracle databases and EMC storage equipment are removed), and the system has stability, reliability and flexibility while continuous business innovation is met.
The invention adopts a micro-service system structure, uses a spring group-based micro-service frame as a number-based frame, and independently organizes various cards on an application level, so that the project is more flexible in implementation, a bank can purchase one or more systems in VISA, JCB, AMEX and MASTERCARD according to the requirement of accessing the international card organization per se, deploy corresponding module services, and the public service can simultaneously provide services for a plurality of modules, thereby reducing hardware resources; and each card organization processing system operates independently, the service is deployed, and when the system of a certain card organization is down, the data processing of other card organization processing systems is not influenced.
While the invention has been described with reference to a preferred embodiment, various modifications may be made and equivalents may be substituted for elements thereof without departing from the scope of the invention. In particular, the technical features mentioned in the embodiments can be combined in any way as long as there is no structural conflict. It is intended that the invention not be limited to the particular embodiments disclosed, but that the invention will include all embodiments falling within the scope of the appended claims. The invention has not been described in detail and is part of the common general knowledge of a person skilled in the art.
Claims (6)
1. An international credit card liquidation platform, comprising: a routing layer, an application layer, a data layer and a support layer;
the application layer comprises a card organization processing system and a public service system; the card organization processing system comprises a plurality of card organization processing systems which are independent from each other, the card organizations corresponding to the card organization processing systems are different from each other, each card organization processing system is used for processing the incoming file sent by the corresponding card organization, generating an entry file, generating an outgoing file for the initiated online dispute transaction and sending the outgoing file to the corresponding card organization; the card organization processing system comprises a plurality of an AMEX processing system, a JCB processing system, a MASTERCARD processing system and a VISA processing system; the card organization processing systems are independently deployed and operated, and when one card organization processing system is down, the data processing of other card organization processing systems is not influenced; the public service system is used for providing public service for the card organization processing system;
the routing layer is used for supporting multi-tenant processing and comprises a storage route; the storage route is used for receiving the data processed by the application layer and storing the data to the data layer in an isolation manner;
the data layer is used for receiving and storing the files sent by the routing layer and the supporting layer;
the supporting layer is used for providing file management, task scheduling and monitoring services for the application layer, and sending service parameters of the file management, task scheduling and monitoring services to the data layer for storage;
wherein the independent deployment of the plurality of card organization processing systems is specifically: the code package planning is combined with an application layer to carry out modular division on each subsystem in the system, codes of the writing system are classified and packaged to form program packages of different system modules, and the written codes are isolated according to the division of each subsystem;
the storage route realizes the isolated storage of data through the following steps:
s210: setting a database fragmentation routing index;
s220: creating a fragment routing table based on the database fragment routing index;
s230: and carrying out isolated storage on data based on the fragment routing table.
2. The international credit card liquidation platform of claim 1, wherein the incoming document process comprises the steps of:
1) acquiring an incoming file of a card organization;
2) carrying out repeatability check on the incoming file;
3) transcoding the file passing the repeatability test;
4) analyzing the transcoded file;
5) performing data storage on the analyzed data;
6) and generating a transaction posting file after storage, and sending the transaction posting file to a bank core system for posting.
3. The international credit card liquidation platform of claim 1, wherein the outgoing file process comprises the steps of:
1) entering dispute advice on disputed incominding data;
2) the routing layer carries out data routing storage on the input information;
3) auditing disputes;
4) generating dispute financial transaction data after the auditing is passed;
5) after the application layer identifies disputed financial transactions, automatically generating corresponding outgoing files;
6) the outgoing file format is converted and sent to the card organization.
4. An international credit card liquidation platform in accordance with claim 1, wherein the public service system comprises a parameter management system and a basic service system;
the parameter management system is used for controlling the service control parameters of each card organization;
the basic service system is used for providing tool type services.
5. An international credit card liquidation platform as claimed in claim 1 wherein said data layer comprises document data, transaction data and service control parameter data;
the file data is an incoming file acquired by a bank from a card organization and an outgoing file sent to the card organization by the bank;
the transaction data is obtained after the incoming file is analyzed;
the service control parameter data is the parameter data managed and set by the application layer parameter management system.
6. The international credit card liquidation platform of claim 1, wherein the support layer comprises a data storage system, a file management system, a task scheduling system and middleware software;
the data storage system is used for storing the transaction records analyzed by the incoming file;
the file management system is used for managing the incomings and outgoing files, and comprises the steps of classifying the files according to the day, and cleaning all the files at regular time after compression and backup;
the task scheduling system is used for automatically triggering the corresponding program at the corresponding time to process;
the middleware software is software for supporting the system.
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| CN112215705A (en) | 2021-01-12 |
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