WO2017071518A1 - 联机处理各机构间数据差错的数据处理装置及其方法 - Google Patents

联机处理各机构间数据差错的数据处理装置及其方法 Download PDF

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WO2017071518A1
WO2017071518A1 PCT/CN2016/102739 CN2016102739W WO2017071518A1 WO 2017071518 A1 WO2017071518 A1 WO 2017071518A1 CN 2016102739 W CN2016102739 W CN 2016102739W WO 2017071518 A1 WO2017071518 A1 WO 2017071518A1
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data
message
service
error
request message
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PCT/CN2016/102739
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English (en)
French (fr)
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郭弘强
李伟
汤茂安
周继恩
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中国银联股份有限公司
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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/02—Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]

Definitions

  • the present invention relates to computer technology, and in particular to a data processing apparatus for online processing of data errors between mechanisms and a data processing method thereof.
  • the offline file method refers to the processing of error transactions between the payment institution and the bank card organization by transmitting documents.
  • the international card organization double information error transaction mostly adopts this method.
  • the error proposing mechanism writes the error information to the file and then transmits it to the bank card organization via ftp or the like.
  • the bank card organization processes the documents regularly (usually once a day), first checks whether the documents meet the specifications, and then checks whether the transactions in the documents meet the business requirements. If there is a problem during the inspection, the inspection results are written in the feedback file and sent periodically. Error submission to the agency. If there are no problems, deal with the error business, and write the error results in the feedback file, and send it to the error submission agency and the error related organization regularly.
  • the disadvantage of this method is that the interaction between the error proposing party and the bank card organization is poor, the processing period is long, and only transaction information can be transmitted in the file, and the credential information cannot be included.
  • the online platform method means that the payment institution logs onto the online error-correcting Web platform that is uniformly built by the bank card organization to handle the error transaction.
  • the error proposing mechanism submits the error information through the error Web platform, and the error platform of the bank card organization can perform real-time inspection, interaction and processing.
  • the problem with this method is that the organization needs the business personnel to manually obtain error information and credentials from the error platform built by the organization, and then manually enter the error platform of the bank card organization. A large number of manual operations reduce the overall error handling efficiency and increase labor costs.
  • the existing online message method means that the payment institution realizes the processing of the error transaction by sending the ISO8583 message to the bank card organization.
  • the international card organization single information error transaction mostly adopts this method. This method is limited by the message standard and can only transmit error transaction information, and cannot transmit error certificate files to other It is difficult to confirm the authenticity of the error transaction.
  • the present invention has been made in an effort to provide a data processing apparatus and a data processing method for online processing of data errors between departments, which have a short processing period, a processing efficiency draft, and a labor cost saving.
  • the data processing device for online processing of data errors between the various mechanisms and the data processing method thereof realize the error online processing by using the WebService technology, and overcome the shortcoming of the processing period in the file mode, and the online processing of the data errors between the mechanisms of the present invention
  • the data processing device integrates the error platform built by each institution, reduces the manual operation steps of the operator, and the message in the data processing device of the online processing error between the institutions of the present invention can combine the transaction information and the voucher. Overcome the shortcomings of the existing online mode that the message cannot carry the file.
  • the data processing device for online processing of data errors between the mechanisms of the present invention is for performing data processing between the first mechanism and the second mechanism, and is characterized by:
  • a message model library configured to store a unified error service message model, where the error service message model includes error service information and a voucher file;
  • a message receiving module configured to receive request message data from the first organization, where the request message data is formed by the first organization based on the service data of the first organization and the error service message model;
  • a message parsing module configured to parse the request message data from the message receiving module and obtain an analysis result
  • a security module configured to check a security policy of the request packet data according to the parsing result
  • An error business rule base for storing error business rules
  • a logical inference engine configured to logically process the service data in the data in the request message according to the parsing result and the error service rule, and generate service transaction data
  • a transaction database for storing the business transaction data
  • a message assembly module configured to assemble a request message according to the service transaction data and the error service message model in the message model library
  • the message sending module is configured to send the request message to the second organization.
  • the message receiving module is further configured to control communication traffic of the request message.
  • the message model library is implemented in an XML language definition language XSD.
  • the message parsing module is configured to parse the request message from the message receiving module And analyzing the request message data into security domain information, control domain information, and information domain information.
  • the security domain information includes at least a username. Password, signature and abstract;
  • the control domain information includes service type information
  • the information domain information includes: an account number, an amount, a voucher file, and a clearing date.
  • the security module is configured to determine, according to the security domain information in the parsing result, whether it is secure and trusted.
  • the security module is configured to check a security policy according to the security domain information in the parsing result.
  • the security policy includes: whether the password decryption is successful; whether the signature and the digest are successfully verified; whether the username, the signature, and the certificate match.
  • the logical inference engine is configured to determine, according to the control domain information, a service that the current message needs to complete, and determine, according to the information domain information and the information of the transaction database, whether the transaction corresponding to the service is correct and is passing After the judgment, the business transaction data is inserted into the transaction database.
  • the message sending module determines whether the current line of the second institution is idle, and sends the request message to the second organization if it is determined to be idle.
  • the data processing method for online processing of data errors between agencies is used for data processing between a first mechanism and a second mechanism, and the method includes the following steps:
  • a message receiving step of receiving request message data from the first institution wherein the request message data is determined by the first institution based on the service data of the first organization and the error service message model stored in the message model library composition;
  • a security policy checking step configured to check a security policy of the packet data according to the parsing result
  • a logical inference step performing logical processing on the service data in the data in the request message according to the parsing result and the error service rule, and generating business transaction data;
  • a message assembling step configured to assemble a request message according to the service transaction data and the error service message model
  • a message sending step configured to send the request message to the second organization.
  • the communication traffic of the request message is controlled.
  • the request message data is parsed into security domain information, control domain information, and information domain information.
  • the following security policy check is performed in the security policy check step:
  • the message sending step it is determined whether the current line of the second institution is idle, and if it is determined to be idle, the request message is sent to the second institution.
  • the data processing apparatus for online processing of data errors between accounting errors of each institution and the data processing method thereof are characterized in that a message capable of carrying a voucher file is applied to each second institution for accounting error processing, thereby establishing Each of the second institutions builds an integrated platform device of the error handling system to implement online processing of the error transaction.
  • the data processing apparatus for online processing of data errors in accounting errors between the various mechanisms of the present invention avoids the problem of long processing period and poor interactivity in the file transmission mode, and overcomes the problem of large manual operation workload of the platform processing method.
  • the message capable of carrying the voucher file satisfies the need of the transaction parties to review the voucher, and has significant improvements in functionality.
  • FIG. 1 is a block diagram showing the construction of a data processing device for in-line processing of data errors between mechanisms.
  • Fig. 2 is a flow chart showing a data processing method for data error between the respective mechanisms of the online processing of the present invention.
  • FIG. 1 is a block diagram showing the construction of a data processing device for in-line processing of data errors between mechanisms.
  • the data processing apparatus 200 (hereinafter simply referred to as the data processing apparatus 200) for processing data errors between the respective mechanisms of the present invention is provided in the acquiring institution (the first machine in the corresponding claim)
  • the structure 100 is between the card issuing mechanism (corresponding to the "second mechanism" in the claims) 300.
  • the data processing apparatus 200 includes: a message model library 201, a message receiving module 202, a message parsing module 203, a security module 204, an error service rule base 205, a logical inference engine 206, a transaction database 207, a message assembling module 208, and a newspaper.
  • the message model library 201 is configured to store a unified error service message model, wherein the error service message model includes error service information and a voucher file.
  • the message model database 201 stores a unified error service message model, which is the basis for information transmission of the entire platform.
  • the parties involved in the error service can assemble the message according to the unified message specification and format.
  • the message model library 201 is implemented using the XML language definition language XSD.
  • the acquiring institution obtains the packet format from the message model library 201, and adds the personalized service data in the self-built service system, and then forms a request message and sends the request message to the message receiving module 202.
  • the message receiving module 202 is configured to receive request message data from the acquirer 100, wherein the request message data is received by the acquirer 100 according to the service data of the organization and the error service report in the message model library 201.
  • the composition of the text is a one-to-many data processing apparatus. Therefore, in the case where the requested traffic volume is large, congestion may occur.
  • the message receiving module 202 can control.
  • the requested communication traffic dynamically monitors the processing capability of the background service at the peak, and chooses to continue receiving the request or rejecting the request according to the situation of the background service.
  • the message receiving module 202 forwards the message to the message parsing module 203 to parse the message if the background load is normal. If the background load is too large, the message receiving module 202 Refuse to receive the request message.
  • the message parsing module 203 is configured to parse the request message data from the message receiving module and obtain an analysis result. Specifically, after receiving the packet, the packet parsing module 203 parses the service information in the packet according to the packet specification format in the unified error service packet model in the packet model database 201, and divides the service into a security domain. , control domain and information domain three types of information. In FIG. 1, only the result parsed by the message parsing module 203 is directly sent to the security module 204, and the parsed result is directly sent to the logical inference engine 206 and the error business rule base 205 (the latter two cases are not Shown in Figure 1).
  • the security zone generally includes a username, a password, a signature, and a digest to determine whether the packet is secure and trusted.
  • the control domain information includes the service type, which is used to determine which business logic the message applies to, such as billing, chargeback, credit, or payment.
  • Information domain information includes specific information about the business, such as the primary account number, amount, clearing date, and voucher file.
  • the security module 204 is configured to check whether the security domain information in the packet data is secure and reliable according to the parsing result of the packet parsing module 203, that is, check the security policy of the packet data.
  • the security policy can be divided into three layers: whether the password decryption is successful; whether the signature and the digest are successfully verified; whether the username, signature, and certificate match.
  • the security module 204 generates a reject message for message data that does not pass the security policy check.
  • the error business rule base 205 is used to store error business rules.
  • the error business rules include the flow of various business types, the rules of legality judgment, and the output data format. For example, for a loan transaction, it is necessary to check whether there is a corresponding consumer transaction, and it is necessary to determine whether the amount of the loan transaction exceeds the original transaction amount.
  • the logical inference engine 206 is configured to logically process the service data in the request message according to the parsing result of the message parsing module 203 and the error service rule in the error service rule base 205, and generate error reconciliation information. Specifically, the logical inference engine 206 processes the business-related logic, and the logical inference engine 206 determines the service that the current message needs to complete by identifying the transaction type in the control domain in the analysis result, and then according to the error business rule in the information domain.
  • the rules in the library perform judgment processing to generate error transfer information (referred to as "business transaction data" in the claims).
  • the logical inference engine 206 identifies the loan transaction based on the information of the control domain, and then queries the transaction database to determine whether the consumer transaction corresponding to the loan transaction exists, if any Then determine whether the transaction amount corresponds to or so. When the decision is passed, the logical inference engine 206 generates a credit transaction that is inserted into the transaction database for future day liquidation. When it is judged that there is an error, the logical inference engine 206 generates a response that the transaction verification fails, and returns to the acquirer that transmitted the request.
  • the transaction database 207 is used to store various transaction data as well as processing results from the logical inference engine 206.
  • the message assembling module 208 is configured to add security information and control information according to the processing result of the logical inference engine 206 and the error service message model in the message model library, and assemble the request message to the card issuing institution 300.
  • the message sending module 209 is configured to send the request message assembled by the message assembling module 208 to the card issuing institution 300. Moreover, the message assembling module 209 may further be configured to determine whether the current line state of the issuing card mechanism 300 is idle when the assembled request message is received from the message assembling module 208, and if it is idle, the card issuing mechanism 300 is desired. Sends a message and waits in the queue if the line is busy.
  • FIG. 2 is a flow chart showing a data processing method for data error between the respective mechanisms of the online processing of the present invention.
  • the data processing method for online processing of data errors between mechanisms of the present invention includes the following sub-steps:
  • the message receiving step S100 receives the request message data from the acquirer, wherein the request message data is based on the service data of the acquirer and the error service message model stored in the message model library by the acquirer.
  • a message parsing step S200 parsing the request message data received from the message receiving step, and obtaining an analysis result
  • the security policy checking step S300 is configured to check the security policy of the packet data according to the parsing result; the logical inference step S400, the service in the data in the request packet according to the parsing result and the error service rule Data is logically processed and business transaction data is generated;
  • a message assembling step S500 configured to assemble a request message according to the service transaction data and the error service message model
  • the message sending step S600 is used to send the request message to the card issuer.
  • the message receiving step S100 controls the communication traffic of the request message.
  • the request message data is parsed into security domain information, control domain information, and information domain information.
  • security policy checking step S300 the following security policy check is performed:
  • the message transmission step S600 it is determined whether the current line of the card issuing institution is idle, and if it is determined to be idle, the request message is transmitted to the card issuing institution.
  • the data processing apparatus and the data processing method for processing data errors between the respective mechanisms of the present invention have the following advantages as compared with the conventional inter-system error service processing apparatus:
  • the processing period is short and the processing efficiency is high: the data processing apparatus for online processing of data errors between the mechanisms of the present invention can process the accounting error service online between each acquiring institution and the card issuing institution, and the processing complexity is N. Error business (the parties need N interactions), can be processed within 1 day, and if the use is now In the technology, the processing method of file transmission takes N days to complete, and the error service processing period is shortened by N-1 days compared with file transmission, and the efficiency (N-1)/N is improved.
  • the data processing device for online processing of data errors between the various mechanisms of the present invention integrates and integrates an error service platform built by each card issuing institution, and between the acquiring institution and the card issuing institution, through the invention
  • the data processing device for online processing of data errors between the institutions of the present invention uses the WebService technology to transmit the transaction information data and the voucher association, and the traditional online error based on the ISO8583 message.
  • the processing device has the advantage of being associated with the transmission of transaction information and credentials, and the function is greatly enhanced.

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Abstract

一种联机处理各机构间数据差错的数据处理装置及其数据处理方法。该装置具备：报文模型库（201），用于存储统一的差错业务报文模型；报文接收模块（202），用于接收来自第一机构的请求报文数据；报文解析模块（203），用于解析来自所述报文接收模块的所述请求报文数据；安全模块（204），用于根据解析结果检查请求报文数据的安全策略；差错业务规则库（205），用于存储差错业务规则；逻辑推理机（206），用于根据解析结果以及差错业务规则对请求报文数据中的业务数据进行逻辑处理并生成业务交易数据；交易数据库（207），用于存储所述业务交易数据；报文组装模块（208），用于根据业务交易数据和报文模型库中的差错业务报文模型组装成请求报文；以及报文发送模块（209），用于将请求报文发给第二机构。

Description

联机处理各机构间数据差错的数据处理装置及其方法 技术领域
本发明涉及计算机技术，具体地涉及一种联机处理各机构间数据差错的数据处理装置及其数据处理方法。
背景技术
目前的银行卡支付机构间的差错处理主要有三种方法：离线文件方法、在线平台方法和联机报文方法。
离线文件方法是指，支付机构与银行卡组织之间通过传递文件来实现差错交易的处理，目前国际卡组织双信息差错交易多采用这种方法。在这种方法里，差错提出机构将差错信息写入文件，然后通过ftp等方式传输到银行卡组织。银行卡组织定期处理文件(一般是一天处理一次)，先检查文件是否符合规范，再检查文件里的交易是否符合业务要求，检查中如果出现问题，将检查结果写在反馈文件里，定期发给差错提交机构。如果没有问题，处理差错业务，并将差错结果写在反馈文件里，定期发给差错提交机构和差错相关机构。这种方法处理的缺点是差错提出方和银行卡组织之间的交互性差，处理周期长，而且文件中只能传输交易信息，无法包含凭证信息。
在线平台方法是指，支付机构登陆到银行卡组织统一搭建的在线差错Web平台上处理差错交易。在这种方法里，差错提出机构将差错信息通过差错Web平台提交，银行卡组织的差错平台可以进行实时检查、交互和处理。但这种方法的问题是机构需要业务人员手工从机构自建的差错平台中获取差错信息和凭证，再手工逐笔录入到银行卡组织的差错平台中。大量的人工操作降低了整体的差错处理效率，也增加了人力成本。
现有的联机报文方法是指，支付机构通过发送ISO8583报文给银行卡组织来实现差错交易的处理，目前国际卡组织单信息差错交易多采用这种方法。这种方法受报文标准限制，只能传输差错交易信息，无法传输差错凭证文件，给其他 方面确认差错交易的真实性增加了困难。
发明内容
鉴于上述问题，本发明旨在提供一种处理周期短、处理效率稿并且能够节省人工成本的联机处理各机构间数据差错的数据处理装置及其数据处理方法。
本发明的联机处理各机构间数据差错的数据处理装置及其数据处理方法通过使用WebService技术实现差错的联机处理，克服了文件方式下处理周期长的缺点，本发明的联机处理各机构间数据差错的数据处理装整合了各机构自建的差错平台，减少了操作人员的人工操作步骤，而且本发明的联机处理各机构间数据差错的数据处理装中的报文可以将交易信息和凭证合并传输，克服了现有联机方式下报文不能携带文件的缺点。
本发明的联机处理各机构间数据差错的数据处理装置，用于在第一机构和第二机构之间进行数据处理，其特征在于，具备：
报文模型库，用于存储统一的差错业务报文模型，其中，所述差错业务报文模型包括差错业务信息和凭证文件；
报文接收模块，用于接收来自第一机构的请求报文数据，其中所述请求报文数据由所述第一机构基于该第一机构的业务数据和所述差错业务报文模型而组成；
报文解析模块，用于解析来自所述报文接收模块的所述请求报文数据并且获得解析结果；
安全模块，用于根据所述解析结果检查所述请求报文数据的安全策略；
差错业务规则库，用于存储差错业务规则；
逻辑推理机，用于根据所述解析结果以及所述差错业务规则对所述请求报文中数据中的业务数据进行逻辑处理并生成业务交易数据；
交易数据库，用于存储所述业务交易数据；
报文组装模块，用于根据所述业务交易数据和所述报文模型库中的所述差错业务报文模型组装成请求报文；以及
报文发送模块，用于将所述请求报文发给第二机构。
优选地，所述报文接收模块还用于控制所述请求报文的通讯流量。
优选地，所述报文模型库用XML语言的定义语言XSD实现。
优选地，所述报文解析模块用于解析来自所述报文接收模块的所述请求报 文数据并且将所述请求报文数据解析成安全域信息、控制域信息和信息域信息。
优选地，所述安全域信息至少包括用户名。密码、签名和摘要；
所述控制域信息包括业务类型信息；
所述信息域信息包括：帐号、金额、凭证文件以及清算日期。
优选地，所述安全模块用于根据所述解析结果中的所述安全域信息判断是否安全可信。
优选地，所述安全模块用于根据所述解析结果中的所述安全域信息对安全策略进行检查。
优选地，所述安全策略包括：密码解密是否成功；签名和摘要是否验证成功；用户名、签名和证书是否匹配。
优选地，所述逻辑推理机用于根据所述控制域信息判断当前报文需要完成的业务，并根据所述信息域信息和所述交易数据库的信息判断该业务对应的交易是否正确并且在通过判断后将该业务交易数据插入到交易数据库中。
优选地，所述报文发送模块判断第二机构的当前线路是否空闲，在判断为空闲的情况下将所述请求报文发送给第二机构。
本发明的联机处理各机构间数据差错的数据处理方法，用于在第一机构和第二机构之间进行数据处理，其特征在于，包括下述步骤：
报文接收步骤，接收来自第一机构的请求报文数据，其中所述请求报文数据由第一机构基于该第一机构的业务数据和存储在报文模型库中的差错业务报文模型而组成；
报文解析步骤，解析来自由上述报文接收步骤接收到的请求报文数据，获得解析结果；
安全策略检查步骤，用于根据所述解析结果检查所述报文数据的安全策略；
逻辑推理步骤，根据所述解析结果以及所述差错业务规则对所述请求报文中数据中的业务数据进行逻辑处理并生成业务交易数据；
报文组装步骤，用于根据所述业务交易数据和所述差错业务报文模型组装成请求报文；以及
报文发送步骤，用于将所述请求报文发给第二机构。
优选地，在所述报文接收步骤中，控制所述请求报文的通讯流量。
优选地，在所述报文解析步骤中，将请求报文数据解析成安全域信息、控制域信息和信息域信息。
优选地，在所述安全策略检查步骤中进行如下的安全策略检查：
密码解密是否成功；
签名和摘要是否验证成功；
用户名、签名和证书是否匹配。
优选地，在所述报文发送步骤中，判断第二机构的当前线路是否空闲，在判断为空闲的情况下将所述请求报文发送给第二机构。
本发明的联机处理各机构间账务差错的数据差错的数据处理装置及其数据处理方法的特点是将能够携带凭证文件的报文应用于各第二机构间进行账务差错处理，从而建立了各第二机构自建差错处理系统的集成平台装置来实现差错交易的联机处理。本发明的联机处理各机构间账务差错的数据差错的数据处理装置避免了文件传输方式下的处理周期长、交互性差的问题，也克服了平台处理方式的人工操作工作量大的问题。与现有的联机处理差错方式相比，能够携带凭证文件的报文满足了交易各方审核凭证的需要，在功能方面有重大改进。
附图说明
图1是表示本发明的联机处理各机构间数据差错的数据处理装置的构造示意图。
图2是表示本发明的联机处理各机构间数据差错的数据处理方法的流程图。
具体实施方式
下面介绍的是本发明的多个实施例中的一些，旨在提供对本发明的基本了解。并不旨在确认本发明的关键或决定性的要素或限定所要保护的范围。
图1是表示本发明的联机处理各机构间数据差错的数据处理装置的构造示意图。
如图1所示，本发明的联机处理各机构间数据差错的数据处理装置200(下文中简称为数据处理装置200)设置在收单机构(对应权利要求书中的“第一机 构”)100和发卡机构(对应权利要求书中的“第二机构”)300之间。
数据处理装置200包括：报文模型库201、报文接收模块202、报文解析模块203、安全模块204、差错业务规则库205、逻辑推理机206、交易数据库207、报文组装模块208、报文发送模块209。
报文模型库201用于存储统一的差错业务报文模型，其中，所述差错业务报文模型包括差错业务信息和凭证文件。报文模型库201存储了统一的差错业务报文模型，是整个平台信息传输的基础，参与差错业务的各方能够根据统一的报文规范和格式组装报文。报文模型库201使用XML语言的定义语言XSD实现。收单机构从报文模型库201中获取报文格式，添加自建业务系统中的个性化业务数据后，组成请求报文发送给报文接收模块202。
报文接收模块202用于接收来自收单机构100的请求报文数据，其中所述请求报文数据是由收单机构100根据该机构的业务数据和上述报文模型库201中的差错业务报文模型而组成。另一方面，本发明的联机处理各机构间数据差错的数据处理装置是一对多的数据处理装置，因此在请求的流量大的情况下，可能出现拥堵，这里，报文接收模块202能够控制请求的通讯流量，在高峰时动态监测后台服务的处理能力，根据后台服务的情况选择继续接收请求或拒绝请求。例如，报文接收模块202在接收到请求报文后，在后台负载正常的情况下，转交给报文解析模块203对报文进行解析，在后台负载过大的情况下，报文接收模块202拒绝接收该请求报文。
报文解析模块203用于解析来自所述报文接收模块的所述请求报文数据并且获得解析结果。具体地，报文解析模块203收到报文后，根据上述报文模型库201中的统一的差错业务报文模型中的报文规范格式将报文中的业务信息解析出来，分为安全域、控制域和信息域三类信息。在图1中仅示例了报文解析模块203解析出来的结果直接送到安全模块204，实际上解析出来的结果也直接送到逻辑推理机206和差错业务规则库205(后两者的情况未在图1中表示)。
其中，安全域一般包括用户名、密码、签名和摘要，用来确定报文是否安全可信。控制域信息包括业务类型，用来确定该报文适用于哪些业务逻辑，如调单、退单、贷调或请款。信息域信息包括业务的具体信息，如主账号、金额、清算日期和凭证文件。
安全模块204用于根据所述报文解析模块203解析结果检查所述报文数据中的安全域信息是否安全可靠，即对报文数据的安全策略进行检查。具体地，安全策略可以分为三层：密码解密是否成功；签名和摘要是否验证成功；用户名、签名和证书是否匹配。对于如果安全策略检查不通过的报文数据，安全模块204会生成拒绝报文。
差错业务规则库205用于存储差错业务规则。差错业务规则包括各种业务类型的流程、合法性判断的规则及输出的数据格式。例如，对于一笔贷调交易，需要检查是否存在对应的消费交易，需要判断贷调交易金额是否超过了原交易金额等。
逻辑推理机206用于根据所述报文解析模块203的解析结果以及所述差错业务规则库205中的差错业务规则对请求报文中的业务数据进行逻辑处理并生成差错调账信息。具体地，逻辑推理机206处理业务相关的逻辑，逻辑推理机206通过识别解析结果中的控制域里的交易类型，判断当前报文需要完成的业务，然后将信息域中的信息按照差错业务规则库中的规则进行判断处理，生成差错调账信息(在权利要求书中称作为“业务交易数据”)。例如，如果收单机构100请求发起一笔贷调交易，逻辑推理机206会根据控制域的信息识别贷调交易，然后查询交易数据库，判断这笔贷调交易对应的消费交易是否存在，如果存在则判断交易金额是否对应等等。当判断通过后，逻辑推理机206生成一笔贷调交易，插入到交易数据库中，以备日终清算。当判断有错的情况下，逻辑推理机206生成交易验证不通过的应答，返回给发送本次请求的收单机构。
交易数据库207用于存储各种交易数据以及来自所述逻辑推理机206的处理结果。报文组装模块208用于根据所述逻辑推理机206的处理结果和所述报文模型库中的差错业务报文模型添加安全信息和控制信息，组装成请求报文发送给发卡机构300。
报文发送模块209用于将由上述报文组装模块208组装好的所述请求报文发给发卡机构300。并且，报文组装模块209还可以设置为在从上述报文组装模块208接收到组装好的请求报文的情况下，判断发发卡机构300的当前线路状态是否空闲，如果空闲则想发卡机构300发送报文，如果线路繁忙则在队列中等待发送。
接着，对于本发明的联机处理各机构间数据差错的数据处理方法进行说明。图2是表示本发明的联机处理各机构间数据差错的数据处理方法的流程图。
如图2所示，本发明的联机处理各机构间数据差错的数据处理方法包括下述子步骤：
报文接收步骤S100，接收来自收单机构的请求报文数据，其中所述请求报文数据由收单机构基于该收单机构的业务数据和存储在报文模型库中的差错业务报文模型而组成；
报文解析步骤S200，解析来自由上述报文接收步骤接收到的请求报文数据，获得解析结果；
安全策略检查步骤S300，用于根据所述解析结果检查所述报文数据的安全策略；逻辑推理步骤S400，根据所述解析结果以及所述差错业务规则对所述请求报文中数据中的业务数据进行逻辑处理并生成业务交易数据；
报文组装步骤S500，用于根据所述业务交易数据和所述差错业务报文模型组装成请求报文；以及
报文发送步骤S600，用于将所述请求报文发给发卡机构。
其中，在所述报文接收步骤S100中，控制所述请求报文的通讯流量。在所述报文解析步骤S200中，将请求报文数据解析成安全域信息、控制域信息和信息域信息。
在所述安全策略检查步骤S300中进行如下的安全策略检查：
密码解密是否成功；
签名和摘要是否验证成功；
用户名、签名和证书是否匹配。
而且，在所述报文发送步骤S600中，判断发卡机构的当前线路是否空闲，在判断为空闲的情况下将所述请求报文发送给发卡机构。
如上所述，与传统的机构间差错业务处理装置相比，本发明的联机处理各机构间数据差错的数据处理装置及其数据处理方法具有以下优点：
(1)处理周期短，处理效率高：本发明的联机处理各机构间数据差错的数据处理装置能够在各收单机构和发卡机构之间联机处理帐务差错业务，对于处理复杂度为N的差错业务(各方需要N次交互)，可以1天内处理完成，而如果利用现 有技术中文件传输的处理方式则需要N天才能完成，与文件传输相比缩短了差错业务处理周期N-1天，提升效率(N-1)/N。
(2)节省处理的人工成本：本发明的联机处理各机构间数据差错的数据处理装置集成整合了各发卡机构自建的差错业务平台，在收单机构和发卡机构之间，通过本发明的联机处理各机构间数据差错的数据处理装置，操作差错业务，即可完成与各收单机构、发卡机构之间的业务交互，与现有技术中单一的银行卡组织差错平台模式相比较节省了两次录入的人工成本。
(3)能够实时传输相关的交易信息数据和凭证：本发明的联机处理各机构间数据差错的数据处理装置使用WebService技术将交易信息数据和凭证关联传输，与传统的基于ISO8583报文的联机差错处理装置比较，具有关联传输交易信息和凭证的优势，功能上大大增强。
以上例子主要说明了联机处理各机构间数据差错的数据处理装置及数据处理方法。尽管只对其中一些本发明的具体实施方式进行了描述，但是本领域普通技术人员应当了解，本发明可以在不偏离其主旨与范围内以许多其他的形式实施。因此，所展示的例子与实施方式被视为示意性的而非限制性的，在不脱离如所附各权利要求所定义的本发明精神及范围的情况下，本发明可能涵盖各种的修改与替换。

Claims (16)

  1. 一种联机处理各机构间数据差错的数据处理装置，用于在第一机构和第二机构之间进行数据处理，其特征在于，具备：
    报文模型库，用于存储统一的差错业务报文模型，其中，所述差错业务报文模型包括差错业务信息和凭证文件；
    报文接收模块，用于接收来自所述第一机构的请求报文数据，其中所述请求报文数据由所述所述第一机构基于该第一机构的业务数据和所述差错业务报文模型而组成；
    报文解析模块，用于解析来自所述报文接收模块的所述请求报文数据并且获得解析结果；
    安全模块，用于根据所述解析结果检查所述请求报文数据的安全策略；
    差错业务规则库，用于存储差错业务规则；
    逻辑推理机，用于根据所述解析结果以及所述差错业务规则对所述请求报文数据中的业务数据进行逻辑处理并生成业务交易数据；
    交易数据库，用于存储所述业务交易数据；
    报文组装模块，用于根据所述业务交易数据和所述报文模型库中的所述差错业务报文模型组装成请求报文；以及
    报文发送模块，用于将所述请求报文发给所述第二机构。
  2. 如权利要求1所述的联机处理各机构间数据差错的数据处理装置，其特征在于，
    所述报文接收模块还用于控制所述请求报文的通讯流量。
  3. 如权利要求1所述的联机处理各机构间数据差错的数据处理装置，其特征在于，
    所述报文模型库用XML语言的定义语言XSD实现。
  4. 如权利要求1所述的联机处理各机构间数据差错的数据处理装置，其特征在于，
    所述报文解析模块用于解析来自所述报文接收模块的所述请求报文数据并且将所述请求报文数据解析成安全域信息、控制域信息和信息域信息。
  5. 如权利要求4所述的联机处理各机构间数据差错的数据处理装置，其特征在于，
    所述安全域信息至少包括用户名。
  6. 密码、签名和摘要；
    所述控制域信息包括业务类型信息；
    所述信息域信息包括：帐号、金额、凭证文件以及清算日期。
  7. 如权利要求4所述的联机处理各机构间数据差错的数据处理装置，其特征在于，
    所述安全模块用于根据所述解析结果中的所述安全域信息判断是否安全可信。
  8. 如权利要求5所述的联机处理各机构间数据差错的数据处理装置，其特征在于，
    所述安全模块用于根据所述解析结果中的所述安全域信息对安全策略进行检查。
  9. 如权利要求5所述的联机处理各机构间数据差错的数据处理装置，其特征在于，
    所述安全策略包括：密码解密是否成功；签名和摘要是否验证成功；用户名、签名和证书是否匹配。
  10. 如权利要求5所述的联机处理各机构间数据差错的数据处理装置，其特征在于，
    所述逻辑推理机用于根据所述控制域信息判断当前报文需要完成的业务，并根据所述信息域信息和所述交易数据库的信息判断该业务对应的交易是否正确并且在通过判断后将该业务交易数据插入到交易数据库中。
  11. 如权利要求5所述的联机处理各机构间数据差错的数据处理装置，其特征在于，
    所述报文发送模块判断所述第二机构的当前线路是否空闲，在判断为空闲的情况下将所述请求报文发送给所述第二机构。
  12. 一种联机处理各机构间数据差错的数据处理方法，用于在第一机构和第二机构之间进行数据处理，其特征在于，该方法包括下述步骤：
    报文接收步骤，接收来自所述第一机构的请求报文数据，其中所述请求报文数据由所述第一机构基于该第一机构的业务数据和存储在报文模型库中的差错业务报文模型而组成；
    报文解析步骤，解析来自由上述报文接收步骤接收到的请求报文数据，获得解析结果；
    安全策略检查步骤，用于根据所述解析结果检查所述报文数据的安全策略；
    逻辑推理步骤，根据所述解析结果以及所述差错业务规则对所述请求报文中数据中的业务数据进行逻辑处理并生成业务交易数据；
    报文组装步骤，用于根据所述业务交易数据和所述差错业务报文模型组装成请求报文；以及
    报文发送步骤，用于将所述请求报文发给所述第二机构。
  13. 如权利要求10所述的联机处理各机构间数据差错的数据处理方法，其特征在于，
    在所述报文接收步骤中，控制所述请求报文的通讯流量。
  14. 如权利要求10所述的联机处理各机构间数据差错的数据处理方法，其特征在于，
    在所述报文解析步骤中，将请求报文数据解析成安全域信息、控制域信息和信息域信息。
  15. 如权利要求10所述的联机处理各机构间数据差错的数据处理方法，其特征在于，
    在所述安全策略检查步骤中进行如下的安全策略检查：
    密码解密是否成功；
    签名和摘要是否验证成功；
    用户名、签名和证书是否匹配。
  16. 如权利要求10所述的联机处理各机构间数据差错的数据处理方法，其特征在于，
    在所述报文发送步骤中，判断所述第二机构的当前线路是否空闲，在判断为空闲 的情况下将所述请求报文发送给所述第二机构。
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