CN113822762A - Method for triggering failure transaction short message in financial transaction authorization process - Google Patents
Method for triggering failure transaction short message in financial transaction authorization process Download PDFInfo
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- CN113822762A CN113822762A CN202111151269.6A CN202111151269A CN113822762A CN 113822762 A CN113822762 A CN 113822762A CN 202111151269 A CN202111151269 A CN 202111151269A CN 113822762 A CN113822762 A CN 113822762A
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- 238000000034 method Methods 0.000 title claims abstract description 69
- 238000013475 authorization Methods 0.000 title claims abstract description 19
- 230000002159 abnormal effect Effects 0.000 claims description 6
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- 229910003460 diamond Inorganic materials 0.000 description 1
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Abstract
The invention provides a method for triggering a failure transaction short message in a financial transaction authorization process, which comprises the following steps: step 1, after the financial transaction process is finished, judging whether the transaction is successful according to the 39 fields in the 8583 message, if so, sending a transaction dynamic account short message, and if not, entering the step 2; step 2, acquiring fields required in each short message template from the financial transaction process; step 3, acquiring transaction failure reasons, and matching corresponding short message templates according to the transaction failure reasons; step 4, selecting required fields in the acquired short message template from the acquired fields, editing the selected fields and the reason of transaction failure to the positions corresponding to the acquired short message template, and finishing the editing of the short message according to the switch parameters; and step 5, calling a short message sending system to send an edited short message to a user corresponding to the financial transaction.
Description
Technical Field
The invention belongs to the technical field of financial transactions, and particularly relates to a method for triggering a failure transaction short message in a financial transaction authorization process.
Background
In financial transactions, if a transaction fails, the cardholder does not know what the cause of the transaction failure is, and the customer experience with the card is poor.
Disclosure of Invention
The invention is made to solve the above problems, and aims to provide a method for triggering a short message of failed transaction in a financial transaction authorization process, which can send a short message including a failure reason to a user in time when a transaction fails, and improve the card use experience of the user and the system friendliness.
The invention provides a method for triggering a failure transaction short message in a financial transaction authorization process, which is characterized by comprising the following steps:
step 1, after the financial transaction process is finished, judging whether the transaction is successful or not according to the 39 fields in the 8583 message, if so, sending a transaction dynamic account short message, and if not, entering the step 2;
step 2, acquiring fields required in each short message template from the financial transaction process;
step 3, acquiring transaction failure reasons, and matching corresponding short message templates according to the transaction failure reasons;
step 4, selecting fields required in the short message template acquired in the step 3 from the acquired fields, editing the selected fields and the reason of transaction failure to the positions corresponding to the short message template acquired in the step 3, and finishing the editing of the short message according to the switching parameters;
and 5, calling a short message sending system to send the edited short message to the user corresponding to the financial transaction.
Further, in the method for triggering the short message of the failed transaction in the financial transaction authorization process provided by the invention, the method can also have the following characteristics: in step 2, the acquiring fields required in each short message template comprises: cardholder information, transaction information and card product information, wherein the cardholder information comprises 4 digits behind a telephone number, a name and a card tail number; the transaction information includes transaction time, transaction date, transaction type, transaction amount.
Further, in the method for triggering the short message of the failed transaction in the financial transaction authorization process provided by the invention, the method can also have the following characteristics: and 3, judging abnormal information in the financial transaction process according to the configured condition rules, and judging the transaction failure reason according to the abnormal information thrown out in the financial transaction process.
Further, in the method for triggering the short message of the failed transaction in the financial transaction authorization process provided by the invention, the method can also have the following characteristics: in step 3, after the corresponding short message template is matched according to the transaction failure reason, the number corresponding to the matched short message template is acquired, the short message template and the number corresponding to the short message template are stored in the database,
and 4, acquiring a corresponding short message template from the database according to the serial number when the short message is edited.
Further, in the method for triggering the short message of the failed transaction in the financial transaction authorization process provided by the invention, the method can also have the following characteristics: and (3) sending the serial number of the short message template acquired in the step (3) to a stateless short message sending module, and sending the edited short message to a short message sending system by adopting a stateless short message sending method.
Further, in the method for triggering the short message of the failed transaction in the financial transaction authorization process provided by the invention, the method can also have the following characteristics: step 4, the switch parameter comprises a marketing short message suffix, whether the marketing short message suffix is started or not is judged, if yes, the switch parameter is set to be on, marketing content is replaced or a short message is edited in addition at a position corresponding to a short message template when the short message is edited, and the short message is sent along with the edited template short message; if not, the switch parameter is set to be off, and the replacement content is not set at the position corresponding to the marketing suffix of the short message template when the short message is edited.
Further, in the method for triggering the short message of the failed transaction in the financial transaction authorization process provided by the invention, the method can also have the following characteristics: in step 5, a RabbitMQ message queue is used for requesting to call a downstream short message sending system.
The invention has the following advantages:
the method for triggering the failure transaction short message in the financial transaction authorization process can send the short message including the failure reason to the user in time when the transaction fails, and improves the card using experience of the user and the system friendliness.
Drawings
Fig. 1 is a flowchart of a method for triggering a short message of a failed transaction in a financial transaction authorization process according to the present invention.
Detailed Description
In order to make the technical means, the creation characteristics, the achievement purpose and the efficacy of the present invention easy to understand, the following embodiments specifically describe the method for triggering the failed transaction short message in the financial transaction authorization process according to the present invention with reference to the accompanying drawings.
As shown in fig. 1, the method for triggering a short message of a failed transaction in a financial transaction authorization process includes the following steps:
and step S1, after the financial transaction process is finished, judging whether the transaction is successful according to the 39 fields in the 8583 message, if so, sending a transaction dynamic account short message, and if not, entering the step 2. Specifically, a final return 39 of field 00 or 11 indicates that the transaction was authorized to pass; a non-00 or 11 indicates that the transaction authorization is not passed and the transaction fails.
Step S2, acquiring fields required by each short message template from the financial transaction process. In this embodiment, the acquiring fields required in each short message template includes: cardholder information, transaction information and card product information, wherein the cardholder information comprises a phone number, a name, a card tail number and the back 4 digits; the transaction information includes transaction time, transaction date, transaction type, transaction amount, etc. Specifically, cardholder information and transaction information are obtained based on the context in the authorization process. The card product information includes card grades such as gold card, silver card, diamond card.
And step S3, acquiring the reason of the transaction failure, and matching the corresponding short message template according to the reason of the transaction failure.
In this embodiment, the abnormal information in the financial transaction flow is determined according to the configured condition rules, and the transaction failure reason is determined according to the abnormal information thrown out in the financial transaction flow.
And step S4, selecting the fields needed in the short message template obtained in the step 3 from the obtained fields, editing the selected fields and the reason of transaction failure to the positions corresponding to the short message template obtained in the step 3, and finishing the editing of the short message according to the switch parameters.
The switch parameter comprises a marketing short message suffix and judges whether the marketing short message suffix is started or not, specifically, the switch parameter can be determined according to the requirements of each user, if so, the switch parameter is set to be on, marketing content is replaced or a short message is edited in addition at the position corresponding to the short message template when the short message is edited, the short message is sent along with the edited template short message, if not, the switch parameter is set to be off, and the replacement content is not set at the position corresponding to the short message template marketing suffix when the short message is edited. Of course, the switching parameters may also include other conditions.
In this embodiment, after the corresponding short message template is matched according to the transaction failure reason, the number corresponding to the matched short message template is obtained, and the database stores the short message template and the number corresponding to the short message template. And sending the serial number of the obtained short message template to a stateless short message sending module, obtaining the corresponding short message template from a database by the stateless short message sending module according to the serial number when editing the short message, and sending the edited short message to a short message sending system by adopting the stateless short message sending method. The stateless short message sending method only splices and sends the short message content according to the short message template, and does not verify whether the short message is sent or not.
And step S5, calling the short message sending system to send the edited short message to the user corresponding to the financial transaction.
In this embodiment, a RabbitMQ message queue is used to request to call a downstream short message sending system, and specific checking and sending actions are performed.
The application range of the invention is the RPC system based on the RabbitMQ message queue, namely, the systems are based on the RabbitMQ message queue to make synchronous request call.
The above embodiments are preferred examples of the present invention, and are not intended to limit the scope of the present invention.
Claims (7)
1. A method for triggering a short message of a failed transaction in a financial transaction authorization process is characterized by comprising the following steps:
step 1, after the financial transaction process is finished, judging whether the transaction is successful or not according to the 39 fields in the 8583 message, if so, sending a transaction dynamic account short message, and if not, entering the step 2;
step 2, acquiring fields required in each short message template from the financial transaction process;
step 3, acquiring transaction failure reasons, and matching corresponding short message templates according to the transaction failure reasons;
step 4, selecting fields required in the short message template matched in the step 3 from the obtained fields, editing the selected fields and the reason of transaction failure to the positions corresponding to the matched short message template, and finishing the editing of the short message according to the switch parameters;
and 5, calling a short message sending system to send the edited short message to the user corresponding to the financial transaction.
2. The method of claim 1, wherein the method comprises:
in step 2, the acquiring fields required in each short message template comprises: cardholder information, transaction information and card product information, wherein the cardholder information comprises 4 digits behind a telephone number, a name and a card tail number; the transaction information includes transaction time, transaction date, transaction type, transaction amount.
3. The method of claim 1, wherein the method comprises:
and 3, judging abnormal information in the financial transaction process according to the configured condition rules, and judging the transaction failure reason according to the abnormal information thrown out in the financial transaction process.
4. The method of claim 1, wherein the method comprises:
in step 3, after the corresponding short message template is matched according to the transaction failure reason, the number corresponding to the matched short message template is acquired, the short message template and the number corresponding to the short message template are stored in the database,
and 4, acquiring a corresponding short message template from the database according to the serial number when the short message is edited.
5. The method of claim 4, wherein the method comprises:
and (3) sending the serial number of the short message template acquired in the step (3) to a stateless short message sending module, and sending the edited short message to a short message sending system by adopting a stateless short message sending method.
6. The method of claim 1, wherein the method comprises:
and 4, the switch parameter comprises a marketing short message suffix, whether the marketing short message suffix is started or not is judged, if yes, the switch parameter is set to be on, marketing content is replaced at the position corresponding to the short message template when the short message is edited, if not, the switch parameter is set to be off, and replacement content is not set at the position corresponding to the marketing suffix of the short message template when the short message is edited.
7. The method of claim 1, wherein the method comprises:
in step 5, a RabbitMQ message queue is used for requesting to call a downstream short message sending system.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202111151269.6A CN113822762A (en) | 2021-09-29 | 2021-09-29 | Method for triggering failure transaction short message in financial transaction authorization process |
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