CN113360387B - Bank payment and settlement simulator - Google Patents
Bank payment and settlement simulator Download PDFInfo
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- CN113360387B CN113360387B CN202110681552.3A CN202110681552A CN113360387B CN 113360387 B CN113360387 B CN 113360387B CN 202110681552 A CN202110681552 A CN 202110681552A CN 113360387 B CN113360387 B CN 113360387B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F11/00—Error detection; Error correction; Monitoring
- G06F11/36—Preventing errors by testing or debugging software
- G06F11/3604—Software analysis for verifying properties of programs
- G06F11/3612—Software analysis for verifying properties of programs by runtime analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F11/00—Error detection; Error correction; Monitoring
- G06F11/36—Preventing errors by testing or debugging software
- G06F11/3604—Software analysis for verifying properties of programs
- G06F11/3616—Software analysis for verifying properties of programs using software metrics
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F11/00—Error detection; Error correction; Monitoring
- G06F11/36—Preventing errors by testing or debugging software
- G06F11/3664—Environments for testing or debugging software
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F11/00—Error detection; Error correction; Monitoring
- G06F11/36—Preventing errors by testing or debugging software
- G06F11/3668—Software testing
- G06F11/3672—Test management
- G06F11/3684—Test management for test design, e.g. generating new test cases
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F11/00—Error detection; Error correction; Monitoring
- G06F11/36—Preventing errors by testing or debugging software
- G06F11/3668—Software testing
- G06F11/3672—Test management
- G06F11/3688—Test management for test execution, e.g. scheduling of test suites
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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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention discloses a bank payment settlement simulator, in particular to the technical field of bank payment settlement, and the technical scheme is as follows: the simulation method comprises a data access service layer, a service layer and a presentation layer, wherein a first account registration is performed on a registration server of a registration center, the monitoring center performs acquisition monitoring and protection on an account, monitors an account payment data link, performs cluster control and fusing, and tracks a service call link; adopting a micro-service integrated development framework on the service application, balancing the load of the client, forming a log system when the service application is used, searching by adopting a search server, printing a log by using a log tool, analyzing a visual platform, accessing payment content in a MySQL database by JPA, and receiving system information through MQ, the invention has the advantages that: by adopting an open technical architecture and Java development language, the expansibility is improved, the internal asynchronous processing technology is adopted, the system processing performance is improved, and the system message is received through the MQ.
Description
Technical Field
The invention relates to the field of bank payment settlement, in particular to a bank payment settlement simulator.
Background
In recent years, quick payment methods are increasingly used by people, for banks, in addition to meeting basic payment requirements of users, quick payment methods also need to be provided, compared with traditional payment methods, the quick payment requirements for system construction are higher, the quick payment methods comprise transaction response time, concurrency quantity, stability, correctness and expandability, in order to achieve quick payment, various banks invest research and development forces and establish quick payment systems in disputes, the quick payment methods have the characteristics of convenience and quickness and are the development trend of future consumption, users select to save card information, and then the users can complete payment only by inputting payment passwords paid by third parties or payment passwords and mobile phone dynamic passwords when paying next time.
The prior art has the following defects: however, in the testing and verifying stage, a great bottleneck is encountered because of the high requirement of quick payment, which poses higher challenge to the testing and verifying work, in the traditional mode, the bank may test and verify through the traditional simulation tool, but the traditional simulation tool has the defects, which are shown as follows:
1. the development technology used falls behind;
2. short boards where system performance is greatest;
3. the maintenance cost is high;
meanwhile, the current Saas cloud service mode cannot be supported, the implementation cost is high, the flexibility is poor, and the openness and the expansibility cannot meet the requirements of a bank on quick payment testing and verification.
Therefore, the bank payment settlement simulator is necessary to be invented.
Disclosure of Invention
Therefore, the bank payment settlement simulator provided by the invention adopts an open technical framework and Java development language to improve the expansibility, adopts an internal asynchronous processing technology to improve the system processing performance, and receives system messages through MQ to solve the problems of backward development technology, poor system performance and high maintenance cost existing in the traditional simulation tool.
In order to achieve the above purpose, the invention provides the following technical scheme: the bank payment settlement simulator comprises a simulation method, a data access service layer, a service layer and a presentation layer, wherein the first account registration is carried out on a registration server of a registration center, the monitoring center carries out acquisition monitoring and protection on accounts, and monitoring, cluster control and fusing of account payment data links and tracking of service call link monitoring are carried out;
the method comprises the steps of adopting a micro-service integrated development framework on a service application, balancing the load of a client, forming a log system when the service application is used, adopting a search server to search, using a log tool to print a log, analyzing a visual platform, accessing payment content in a MySQL database by JPA, using a SpringBoot + WebFlux + MySQL + Mq framework, receiving system information through MQ, and connecting the MQ with a payment system of a bank.
Preferably, the service layer further comprises a common management service layer, a payment service layer, a special module service layer and a coordination engine.
Preferably, the presentation layer comprises a WEB presentation and WEB service layer.
Preferably, the service application forms a communication network management service group, a transaction service group, an asynchronous processing micro service group and a micro service container.
Preferably, after the MQ is connected with a payment system of a bank, the MQ adds account-coming service data, stores the account-coming service data in the data, compiles an account-coming sending strategy, selects account-coming data from a database, sends the account-coming data through manual triggering and automatic triggering, a payment settlement tool compiles the data into XML format messages according to payment specifications, a gateway submits the message format to a message queue of a message middleware MQ, and the inline payment system acquires the XML format messages through the MQ and performs subsequent processing, thereby acquiring account-coming simulation data.
Preferably, after the MQ is connected with the payment system of the bank, payment related transaction is initiated through the in-line payment system to complete in-line payment service processing, the in-line payment system compiles payment service data into an XML format message and sends the XML format message to a message queue of the MQ message middleware to form account data, the payment settlement simulation tool obtains the XML format message through the MQ message queue, analyzes the message, judges whether the message format and the data meet the specification, writes the message into a database meeting the specification, does not meet the specification, forms an XML format reject message, and sends the XML format reject message to the MQ message queue.
Preferably, the payment settlement simulation tool sets the account return rule according to the bank account, the telephone and the Email address mode, wherein the account return rule comprises success, rejection and overtime, the in-storage account return data is extracted, the return rule is compared, XML format return message data is formed and sent to a message queue in the middle of MQ messages, the in-line payment system acquires the return data from the MQ message queue, and the follow-up processing is completed, so that the account return test work is completed.
The invention has the beneficial effects that:
1. the novel payment settlement simulation tool is a set of support system for simulating payment clearing organization and counter bank to quickly pay related services, can enable the bank to perform normal verification test and technical test under the condition that the bank is not connected into the clearing organization and does not cooperate with the counter bank, and can discover defects in the system earlier through the connection test with the novel payment settlement simulation tool system, thereby improving the test efficiency, reducing the project implementation cost and greatly reducing the quality risk of the in-line FPS system after the in-line FPS system is on line;
2. the novel payment settlement simulation tool adopts an open type and novel technical architecture, namely SpringBoot + WebFlux + MySQL + Mq, and the maintenance efficiency can be improved by over 50 percent;
3. the novel payment settlement simulation tool adopts asynchronous processing, and the single machine performance breaks through 2000TPS, which is more than 200 times of that of the traditional mode;
4. the novel payment settlement simulation tool is deployed by adopting one key;
5. the novel payment settlement simulation tool supports containerization and distributed deployment;
6. the novel payment settlement simulation tool can save 80% of testing cost for banks and improve 60% of testing efficiency;
7. setting test cases in operation, and sending the incoming account service scene according to the number of strokes, times, timing, quantification and timing length; the operator can send messages to the payment settlement simulation tool through manual operation or a test tool according to the test requirement, and the payment settlement simulation tool returns test results according to established rules, so that the requirements of various service scene tests are met.
Drawings
FIG. 1 is an architecture diagram of a bank payment settlement simulator provided by the present invention;
FIG. 2 is a topological diagram of the bank payment settlement simulator accounting service provided by the present invention;
fig. 3 is a topological diagram of expected results of the bank payment settlement simulator provided by the present invention.
Detailed Description
The preferred embodiments of the present invention will be described in conjunction with the accompanying drawings, and it will be understood that they are described herein for the purpose of illustration and explanation and not limitation.
Referring to fig. 1-3, the bank payment settlement simulator provided by the invention comprises a simulation method, a data access service layer, a service layer and a presentation layer;
further, account registration for the first time is carried out on a registration server of a registration center, the monitoring center carries out collection monitoring and protection on accounts, account payment data link monitoring, cluster control and fusing, and service call link monitoring are tracked;
adopting a micro-service integrated development framework on a service application, balancing the load of a client, forming a log system when the service application is used, searching by adopting a search server, printing a log by using a log tool, analyzing a visual platform, accessing payment content in a MySQL database by JPA, receiving system information by MQ by using a SpringBoot + WebFlux + MySQL + Mq framework, and connecting the MQ with a payment system of a bank;
further, the service layer also comprises a public management service layer, a payment service layer, a special module service layer and a coordination engine;
further, the presentation layer comprises a WEB presentation layer and a WEB service layer;
further, a communication network management service group, a transaction service group, an asynchronous processing micro service group and a micro service container are formed on the business application, the service group can greatly simplify the development workload, so that a bank can continuously reuse the service libraries, and the bank can also form the service libraries developed by the bank for the future development application system to use, and the specific services are as follows: creating a payment instruction, modifying the payment instruction, authorizing approval of the payment transaction, registering the payment transaction, canceling the payment, performing exception handling service, remittance receipt service, performing semantic analysis on the payment instruction, checking the validity of the payment instruction, checking the recount, checking the position, checking the payment limit, notifying the payment, managing user data, managing authority, authorizing, managing a payment template, other managing services, notifying an external remittance rate, auditing and backing up services;
furthermore, after the MQ is connected with a payment system of a bank, adding account-coming service data, storing the account-coming service data into the data, compiling an account-coming sending strategy, selecting account-coming data from a database, sending the account-coming data through manual triggering and automatic triggering, compiling XML format messages by a payment settlement tool according to the payment specification, submitting the message format to a message queue of a message middleware MQ by a gateway, and acquiring the XML format messages from the MQ by the in-line payment system for subsequent processing so as to obtain account-coming simulation data;
furthermore, after the MQ is connected with a payment system of a bank, payment related transaction is initiated through the in-line payment system to complete in-line payment business processing, the in-line payment system compiles payment business data into an XML format message and sends the XML format message to a message queue of the MQ message middleware to form account data, the payment settlement simulation tool obtains the XML format message through the MQ message queue, analyzes the message, judges whether the message format and the data meet the specification, writes the message into a database meeting the specification and does not meet the specification, forms an XML format reject message and sends the XML format reject message to the MQ message queue;
furthermore, the payment settlement simulation tool sets a forward account returning rule according to the bank account, the telephone and the Email address mode, wherein the forward account returning rule comprises success, rejection and overtime, the in-storage forward account data is extracted, the returning rule is compared, XML format returning message data is formed and sent to a message queue in the middle of MQ messages, the in-line payment system acquires the returning data from the MQ message queue, and the follow-up processing is completed, so that forward account test work is completed;
the using process of the invention is as follows: when the invention is used, the first account registration is carried out on a registration server of a registration center, the monitoring center collects, monitors and protects the account, monitors a payment data link of the account, controls and fuses a cluster, monitors and tracks a service call link, adopts a micro-service integrated development frame on a business application, balances the load of a client, forms a log system when the business application is used, adopts a search server to search, uses a log tool to print a log, analyzes a visual platform, accesses the payment content in a MySQL database by JPA, uses a SpringBoot + WebFlux + MySQL + Mq framework, receives system information by MQ, is connected with a payment system of a bank by MQ, an operator adds account service data by a novel payment simulation tool, stores the account service data in the data, compiles an account sending strategy by the operator, and selects account data from the database, the payment settlement simulation tool can acquire the XML format message through the MQ message queue and analyze the message, judging whether the message format and the data meet the specification, writing the data into a database meeting the specification, forming a rejection message if the data do not meet the specification, sending the rejection message to an MQ message queue, setting a forward account return rule including success, rejection and overtime in a payment settlement simulation tool according to the address modes of a bank account, a telephone and an Email according to the test requirement by an operator, extracting the in-storage forward account data by the simulation tool, comparing the return rule to form return message data, sending the return message data to the message queue in the middle of the MQ message, and acquiring the return data from the MQ message queue by the in-line payment system to complete the subsequent processing.
The above description is only a preferred embodiment of the present invention, and any person skilled in the art may modify the present invention or modify it into an equivalent technical solution by using the technical solution described above. Therefore, any simple modifications or equivalent substitutions made in accordance with the technical solution of the present invention are within the scope of the claims of the present invention.
Claims (5)
1. The bank payment settlement simulator is characterized by comprising a simulation method, wherein the simulation method is provided with a data access service layer, a service layer and a presentation layer, primary account registration is carried out on a registration server of a registration center, the monitoring center carries out acquisition monitoring and protection on accounts, account payment data link monitoring, cluster control and fusing are carried out, and service calling link monitoring is carried out for tracking;
adopting a micro-service integrated development framework on a service application, balancing the load of a client, forming a log system when the service application is used, searching by adopting a search server, printing a log by using a log tool, analyzing a visual platform, accessing payment content in a MySQL database by JPA, receiving system information by MQ by using a SpringBoot + WebFlux + MySQL + Mq framework, and connecting the MQ with a payment system of a bank;
the method comprises the steps that after the MQ is connected with a payment system of a bank, account-coming service data are added and stored in the data, an account-coming sending strategy is compiled, account-coming data are selected from a database and sent through manual triggering and automatic triggering, a payment settlement tool compiles XML format messages according to payment specifications, a gateway submits the message format to a message queue of a message middleware MQ, an inline payment system acquires the XML format messages through the MQ and carries out subsequent processing to acquire account-coming simulation data, after the MQ is connected with the payment system of the bank, payment related transactions are initiated through the inline payment system to complete inline payment service processing, the inline payment system compiles the payment service data into the XML format messages and sends the XML format messages to the message queue of the MQ message middleware to form account-coming data, the settlement simulation tool acquires the XML format messages through the MQ message queue, and analyzing the message, judging whether the message format and the data meet the specification, writing the message meeting the specification into a database, forming an XML format reject message if the message does not meet the specification, and sending the reject message to the MQ message queue.
2. The bank payment settlement simulator of claim 1, wherein: the service layer also comprises a public management service layer, a payment service layer, a special module service layer and a coordination engine.
3. The bank payment settlement simulator of claim 1, wherein: the display layer comprises a WEB display layer and a WEB service layer.
4. The bank payment settlement simulator of claim 1, wherein: the business application forms a communication network management service group, a transaction service group, an asynchronous processing micro service group and a micro service container.
5. The bank payment settlement simulator of claim 1, wherein: the payment settlement simulation tool sets a forward account return rule according to the bank account, telephone and Email address modes, wherein the forward account return rule comprises success, rejection and overtime, the in-storage forward account data is extracted, the return rule is compared, XML format return message data is formed and sent to a message queue in the middle of MQ messages, and the in-line payment system acquires the return data from the MQ message queue to complete subsequent processing, so that forward account test work is completed.
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