WO2018099209A1 - 一种差错交易的标准化方法及装置 - Google Patents

一种差错交易的标准化方法及装置 Download PDF

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Publication number
WO2018099209A1
WO2018099209A1 PCT/CN2017/107454 CN2017107454W WO2018099209A1 WO 2018099209 A1 WO2018099209 A1 WO 2018099209A1 CN 2017107454 W CN2017107454 W CN 2017107454W WO 2018099209 A1 WO2018099209 A1 WO 2018099209A1
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Prior art keywords
message
error
unionpay
call request
field
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Ceased
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PCT/CN2017/107454
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English (en)
French (fr)
Inventor
郭弘强
李伟
唐真
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to US16/318,950 priority Critical patent/US12118539B2/en
Priority to CA3029661A priority patent/CA3029661A1/en
Publication of WO2018099209A1 publication Critical patent/WO2018099209A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • 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
    • H04L67/50—Network services
    • H04L67/56—Provisioning of proxy services
    • H04L67/565—Conversion or adaptation of application format or content
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials

Definitions

  • the present invention relates to the field of Internet, and in particular, to a standardized method and apparatus for error transactions.
  • the bank card payment path is also diversified.
  • the bank card payment process involves multiple parties involved in the acquiring institution, bank card organization, card issuer, etc. Once an abnormality occurs in the payment process, the inter-organizational accounting error occurs, and the parties need to pass and review a large number of transaction information and voucher files. Confirm the truth of the account.
  • UnionPay error trading network is the bank card error business processing network of the member companies of the UnionPay, which is the unified information exchange network for the member companies to handle error transactions online.
  • the core of the network is the UnionPay error service system, and the member institutions connect the clients through their own construction errors. To access the network. Due to the complex business rules and technical specifications of UnionPay, the high security standards of trading networks, and the limited technical level of member institutions and the different operating environments of the clients, the development cycle of the enterprise access terminals is long, the testing problems are many, and the running error rate is high. , greatly increasing the cost of member institutions accessing the UnionPay error trading network, and reducing the efficiency of member institutions accessing the UnionPay error trading network.
  • the client systems built by existing member institutions to access the UnionPay error docking network are developed based on their own implementation technology, system environment and access requirements, which have high dependence on the operating environment of the organization and lack of universality.
  • the development interface has poor running stability, so it can only be used by the organization to access the error docking network, and cannot be applied to other member institutions.
  • the invention provides a standardized method and device for error transaction, which solves the problem that the common development interface is lacking between the UnionPay member institution and the UnionPay error transaction network in the prior art, and the operation stability is poor and the development efficiency is low.
  • an embodiment of the present invention provides a method for standardizing an error transaction, including:
  • the exchange message including the encrypted message domain and the signature message domain is sent to the UnionPay error transaction network through a secure communication link of the two-way authentication.
  • the standard format exchange message includes an extensible markup language XML message tag name and an XML message tag value
  • the converting the error service call request into a standard format exchange message includes:
  • the calling method parameter of the error service calling request is converted into the value of the XML message tag.
  • the preset certificate library is determined by:
  • the encrypting the sensitive data domain of the error service call request according to the preset certificate database, and generating the encrypted message domain includes:
  • the server public key in the preset certificate store is invoked, and the sensitive data domain of the error service call request is encrypted to generate an encrypted message domain.
  • the key segment in the error service call request is signed to generate a signature message.
  • Domains including:
  • the secure communication link of the two-way authentication is determined by:
  • the server public key and the client private key in the preset certificate library are invoked, and a secure communication link with the two-way authentication of the UnionPay error transaction network is established according to the hypertext transfer protocol HTTPS on the secure socket layer.
  • the method before the sending, by the secure communication link, the exchange message including the encrypted message domain and the signature message domain to the UnionPay error transaction network, the method further includes:
  • the error service call request includes a voucher file in a binary code form, decode the voucher file
  • the decoded voucher file is encoded by the encoding method of the UnionPay error transaction network.
  • an embodiment of the present invention provides a standardization apparatus for an error transaction, including:
  • a format conversion unit configured to receive an error service call request sent by the client, and convert the error service call request into a standard format exchange message;
  • a message field conversion unit configured to encrypt a sensitive data field in the exchange message according to a preset certificate library, generate an encrypted message field, and sign a key field in the exchange message, Generate a signature message field;
  • the sending unit is configured to send the exchange message including the encrypted message domain and the signed message domain to the UnionPay error transaction network through a secure communication link of the two-way authentication.
  • the standard format exchange message includes an extensible markup language XML message tag name and an XML message tag value
  • the format conversion unit is specifically configured to:
  • the calling method parameter of the error service calling request is converted into the value of the XML message tag.
  • the preset certificate library is determined by:
  • the message domain conversion unit is specifically configured to:
  • the server public key in the preset certificate store is invoked, and the sensitive data domain of the error service call request is encrypted to generate an encrypted message domain.
  • the message domain conversion unit is specifically configured to:
  • the secure communication link of the two-way authentication is determined by:
  • the server public key and the client private key in the preset certificate library are invoked, and a secure communication link with the two-way authentication of the UnionPay error transaction network is established according to the hypertext transfer protocol HTTPS on the secure socket layer.
  • the message domain conversion unit is further configured to:
  • the error service call request includes a voucher file in a binary code form, decode the voucher file
  • the decoded voucher file is encoded by the encoding method of the UnionPay error transaction network.
  • an embodiment of the present invention provides an electronic device, including: a processor, a memory, a transceiver, and a bus interface, wherein a processor, a memory, and a transceiver are connected through a bus interface;
  • the transceiver is configured to receive an error service call request sent by a client
  • the processor is configured to read a program in the memory, and perform the following method: converting the error service call request into a standard format exchange message; and in the exchange message according to a preset certificate library
  • the sensitive data field is encrypted to generate an encrypted message field
  • the key field in the exchange message is signed to generate a signature message field
  • the secure communication link through the two-way authentication will include the encrypted message field
  • exchanged messages with the signed message domain are sent to the UnionPay error transaction network
  • the memory is configured to store one or more executable programs, and the processor may be stored in the The data used to perform the operation;
  • the transceiver is further configured to send the risk level to a trading platform, so that the trading platform determines whether to make a payment according to the risk level;
  • the bus interface is for providing an interface.
  • an embodiment of the present invention provides a non-transitory computer readable storage medium, where the non-transitory computer readable storage medium stores computer instructions, where the computer instructions are used to cause the computer to execute the first aspect.
  • an embodiment of the present invention provides a computer program product, the computer program product comprising a computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions, when the program instruction is The computer, when executed, causes the computer to perform a standardized method of error transactions as described in any of the above-described first aspects.
  • the standardization method and device for error transaction convert the error service call request into a standard format exchange message by receiving an error service call request sent by the client; according to the preset certificate library, The sensitive data field in the exchange message is encrypted to generate an encrypted message field; and the key field in the exchange message is signed to generate a signature message field; the secure communication link through the two-way authentication will include The exchanged message field and the exchange message of the signed message field are sent to the UnionPay error transaction network.
  • the embodiment of the present invention provides a unified interface for accessing the client of the UnionPay error transaction network, and the member companies of the UnionPay can implement the interface with the UnionPay error transaction network by simply calling the interface component provided by the embodiment of the present invention, thereby improving the development efficiency and Operational stability.
  • FIG. 1 is a schematic structural diagram of a standardization system for an error transaction according to an embodiment of the present invention
  • FIG. 2 is a schematic flowchart of a method for standardizing an error transaction according to an embodiment of the present invention
  • FIG. 3 is a schematic structural diagram of a device for standardizing error transactions according to an embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
  • the embodiment of the invention provides a standardization system for error transactions.
  • FIG. 1 it is a schematic diagram of a standardization system structure of an error transaction according to an embodiment of the present invention. It includes a UnionPay member institution 101, an error transaction standardization component 102, and a UnionPay error transaction network 103.
  • the member institution of the UnionPay includes: a member institution 1 client 1011, a member institution 2 client terminal 1012, a member institution n client terminal 1013, and the UnionPay member institution 101 invokes the error transaction standardization component 102 provided by the embodiment of the present invention through a respective client,
  • the docking with the UnionPay error transaction network 103 can be achieved.
  • the error transaction standardization component 102 provided by the embodiment of the present invention is implemented by the Java universal interface technology and is applicable to various operating systems, such as Windows, Linux, Unix, etc.; and various middleware products, such as Websphere, Weblogic, JBoss, Tomcat, etc. .
  • the configuration parameters are adopted to adapt to the system environment such as the organization code, user authority, and file path of each UnionPay member institution 101, thereby satisfying the requirement of the UnionPay member institution 101 accessing the UnionPay error transaction network 103 under various technical conditions.
  • the error transaction standardization component 102 provided by the embodiment of the present invention includes: a message conversion module 1021, a software encryption machine 1022, a signature module 1023, a certificate management module 1024, a certificate library 1025, a voucher file codec module 1026, and a secure communication module 1027.
  • the message conversion module 1021 is configured to convert the error service data sent by the client of the UnionPay member institution 101 into an error request message in a standard format.
  • the software encryption machine 1022 is configured to encrypt the sensitive data field in the error request message to ensure the confidentiality of the message.
  • the signing module 1023 is configured to sign the key field in the error request message to ensure non-repudiation and tamper-proof modification of the message.
  • the certificate management module 1024 is configured to manage the security authentication certificate of the error connection.
  • the certificate store 1025 stores the asymmetric encryption certificate issued by CFCA (China Financial Certification Authority) to UnionPay, including the server-side public key and the client private key during the development phase, the network test phase, and the production operation phase.
  • the management module 1024 is used.
  • the voucher file encoding and decoding module 1026 is configured to encode and decode the error voucher file.
  • the secure communication module 1027 is configured to establish a secure link for mutual authentication with the UnionPay error transaction network.
  • the embodiment of the present invention provides a unified interface for accessing the client of the UnionPay error transaction network, and each UnionPay member institution 101 can directly connect to the UnionPay error transaction network 103 by calling the error transaction standardization component 102 provided by the embodiment of the present invention.
  • UnionPay member institutions only need to pay attention to the processing and implementation related to the in-row error business, which greatly shortens the development cycle of UnionPay member institutions 101, saves development, testing and operation and maintenance costs, and improves development efficiency and operational stability.
  • FIG. 2 is a schematic diagram of a standardization process of an error transaction according to an embodiment of the present invention, including:
  • Step 201 Receive an error service call request sent by the client, and convert the error service call request into a standard format exchange message.
  • the client represents the error transaction processing client platform of UnionPay member institutions.
  • the request before conversion is a general program function call form, and the message element is input as a function call parameter.
  • the function of this step can be implemented by the message conversion module 1021.
  • the standard format exchange message includes an XML (Extensible Markup Language) message tag name and an XML message tag value.
  • the packet conversion module 1021 converts the name of the calling method of the error service calling request into an XML message label name according to the preset correspondence between the calling method name and the message label; and then according to the error service calling request
  • the calling method parameter corresponding to the calling method name converts the calling method parameter of the error service calling request into the value of the XML message tag.
  • the converted exchange message conforms to the XML message format of the UnionPay Error Matching Network Joint Specification, and can be received by the UnionPay error transaction network and processed according to the error service meaning indicated in the exchange message.
  • Step 202 Encrypt the sensitive data field in the exchanged message according to the preset certificate database to generate an encrypted message field; and sign the key field in the exchanged message to generate a signature message field.
  • the certificate library 1025 stores the asymmetric encryption certificate issued by the CFCA to the UnionPay, including the server public key and the client private key in the development phase, the network testing phase, and the production operation phase.
  • the certificate accessed by the UnionPay error transaction network is designated as the CFCA asymmetric encryption certificate, which cannot directly distinguish the key type contained in the certificate, such as the server public key and/or the client private key; nor can it distinguish the certificate type.
  • the network connection test certificate and students Production certificate This feature has caused great difficulties for the organization's network access process.
  • the certificate management module 1024 manages the certificate library 1025, and configures, reads, and converts the CFCA asymmetric encryption certificate in a single standard format in the certificate library, and extracts the server in the CFCA asymmetric encryption certificate.
  • the key and client private key are converted to a form that can be read.
  • the extracted server public key and client private key are used to provide certificates for function modules such as signature, encryption, and secure communication.
  • the source format of the client private key certificate is pfx
  • the source format of the server public key certificate is crt
  • the format of the converted destination object is a keystore, an encryption function, a signature function, and the like, which can be directly called.
  • the certificate management module 1024 distinguishes the error network access test certificate from the production certificate, avoids confusion in the use of the certificate, and ensures that different types of certificates are used in different stages of accessing the network, thereby greatly improving the management and use efficiency of the certificate. .
  • the software encryption machine 1022 invokes the server public key from the certificate management module 1024, and encrypts the sensitive data domain of the error service call request to generate an encrypted message domain.
  • Sensitive data fields include sensitive data such as passwords that need to be encrypted.
  • the encrypted information can only be decrypted by the server private key of the UnionPay error network. Even if it is illegally intercepted, the real sensitive information in the message cannot be obtained, thereby realizing the secure transmission of sensitive information.
  • the signature module 1023 calls the client private key from the certificate management module 1024, and signs the key field in the error service call request to generate a signature message field.
  • the key field includes key information such as transaction card number, transaction time, and transaction amount.
  • the signature is verified by the client public key. After the verification is confirmed, the key information is processed, and the non-repudiation and tamper-proof modification of the key information is realized.
  • the error service call request includes a voucher file in a binary coded form
  • the voucher file is decoded; and the decoded voucher file is encoded by the encoding mode (base64 encoding mode) of the UnionPay error transaction network.
  • Step 203 Send the exchange message including the encrypted message domain and the signature message domain to the UnionPay error transaction network through the secure communication link of the two-way authentication.
  • the link is a secure communication link established between the clients of the UnionPay member institutions and the UnionPay error transaction network server.
  • the secure communication module 1027 calls the server-side public key and the client private key from the certificate management module 1024, and the SIP-linked error transaction network server according to the Hypertext Transfer Protocol over Secure Socket Layer (Hyper Text Transfer Protocol over Secure Socket Layer). Establish a two-way authentication SSL (Secure Sockets Layer) mechanism. After the security certification of both parties is passed, the message is sent to the UnionPay error transaction network server, and the server receives the response.
  • SSL Secure Sockets Layer
  • the embodiment of the invention provides a standardization method for error transactions, which converts an error service call request sent by a client platform inside a UnionPay member institution into a standard format exchange message, and encrypts the sensitive data domain through a software encryption machine, and signs the signature.
  • the module signs the key field, encodes the voucher file through the voucher file encoding and decoding module, and converts the error service invocation request into a message that can be processed by the UnionPay error transaction network and conforms to the technical specifications of the UnionPay error transaction network.
  • a schematic diagram of a device for standardizing an error transaction according to an embodiment of the present invention includes:
  • the format conversion unit 301 is configured to receive an error service call request sent by the client, and convert the error service call request into an exchange message in a standard format.
  • a message field conversion unit 302 configured to encrypt a sensitive data field in the exchange message according to a preset certificate library, generate an encrypted message field, and sign a key field in the exchange message , generating a signature message field;
  • the sending unit 303 is configured to send the exchange message including the encrypted message domain and the signature message domain to the UnionPay error transaction network by using a secure communication link of the two-way authentication.
  • the standard format exchange message includes an extensible markup language XML message tag name and an XML message tag value
  • the format conversion unit 301 is specifically configured to:
  • the calling method parameter of the error service calling request is converted into the value of the XML message tag.
  • the preset certificate library is determined by:
  • the message domain converting unit 302 is specifically configured to:
  • the server public key in the preset certificate store is invoked, and the sensitive data domain of the error service call request is encrypted to generate an encrypted message domain.
  • the message domain converting unit 302 is specifically configured to:
  • the secure communication link of the two-way authentication is determined by:
  • the server public key and the client private key in the preset certificate library are invoked, and a secure communication link with the two-way authentication of the UnionPay error transaction network is established according to the hypertext transfer protocol HTTPS on the secure socket layer.
  • the message domain converting unit 302 is further configured to:
  • the error service call request includes a voucher file in a binary code form, decode the voucher file
  • the decoded voucher file is encoded by the encoding method of the UnionPay error transaction network.
  • the function of the format conversion unit 301 in the embodiment of the present invention can be implemented by the message conversion module 1021 in the error transaction standardization component 102 in the standardization system of the error transaction provided by the embodiment of the present invention.
  • the function of the message domain conversion unit 302 can be implemented by the software encryption machine 1022, the signature module 1023, the certificate management module 1024, the certificate library 1025, and the voucher file in the error transaction standardization component 102 in the standardization system of the error transaction provided by the embodiment of the present invention. Codec module 1026 to realise.
  • the function of the sending unit 303 can be implemented by the certificate management module 1024, the certificate library 1025, and the secure communication module 1027 in the error transaction standardization component 102 in the standardization system of the error transaction provided by the embodiment of the present invention.
  • the embodiment of the invention provides a standardization device for error transactions, which converts an error service call request sent by a client platform inside a UnionPay member institution into a standard format exchange message, and encrypts the sensitive data domain through a software encryption machine, and signs the signature.
  • the module signs the key field, encodes the voucher file through the voucher file encoding and decoding module, and converts the error service invocation request into a message that can be processed by the UnionPay error transaction network and conforms to the technical specifications of the UnionPay error transaction network.
  • the present invention further provides an electronic device, as shown in FIG. 4, including a processor 401, a memory 402, a transceiver 403, and a bus interface 404, wherein the processor 401, the memory 402, and the transceiver 403 pass through Bus interface 404 is connected;
  • the transceiver 403 is configured to receive an error service call request sent by the client.
  • the processor 401 is configured to convert the error service call request into a standard format exchange message, and encrypt the sensitive data field in the exchange message according to a preset certificate database to generate an encrypted message domain. And signing the key field in the exchange message to generate a signature message field; sending the exchange message including the encrypted message field and the signature message field through a secure communication link of the two-way authentication To the UnionPay error trading network;
  • the memory 402 is configured to store one or more executable programs, and may store data used by the processor when performing operations;
  • the bus interface 404 is configured to provide an interface.
  • the standard format exchange message includes an extensible markup language XML message tag name and an XML message tag value, and the processor 401 converts the error service call request into a standard format exchange message, specifically Used for:
  • the calling method parameter of the error service calling request is converted into the value of the XML message tag.
  • the preset certificate library is determined by:
  • the processor 401 encrypts the sensitive data domain of the error service call request according to the preset certificate database, and generates an encrypted message domain, specifically for:
  • the server public key in the preset certificate store is invoked, and the sensitive data domain of the error service call request is encrypted to generate an encrypted message domain.
  • the processor 401 uses the key segment of the error service call request to generate a signature message field, specifically for:
  • the secure communication link of the two-way authentication is determined by:
  • the server public key and the client private key in the preset certificate library are invoked, and a secure communication link with the two-way authentication of the UnionPay error transaction network is established according to the hypertext transfer protocol HTTPS on the secure socket layer.
  • the processor 401 sends the exchange message including the encrypted message domain and the signature message domain to the UnionPay error transaction network through a secure communication link, and is further configured to:
  • the error service call request includes a voucher file in a binary code form, decode the voucher file
  • the decoded voucher file is encoded by the encoding method of the UnionPay error transaction network.
  • Embodiments of the present application provide a non-transitory computer readable storage medium storing computer instructions for causing the computer to execute any A standardized method of error trading.
  • Embodiments of the present application provide a computer program product, including a computing program stored on a non-transitory computer readable storage medium, the computer program including program instructions, when the program instructions are executed by a computer A standardized method that causes the computer to perform any of the above-described error transactions.
  • embodiments of the present invention can be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or a combination of software and hardware. Moreover, the invention can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • the present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (system), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or FIG.
  • the computer program instructions can be provided to a general purpose computer, a special purpose computer, an embedded processor, or a processor of other programmable data processing device such that instructions executed by a processor of the computer or other programmable data processing device can be implemented in a flowchart
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.

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Abstract

本发明公开了一种差错交易的标准化方法及装置，通过接收客户端发送的差错业务调用请求，将所述差错业务调用请求转换为标准格式的交换报文；根据预设的证书库，对所述交换报文中的敏感数据域进行加密，生成加密报文域；以及对所述交换报文中的关键字段进行签名，生成签名报文域；通过双向认证的安全通讯链路将包含所述加密报文域和所述签名报文域的交换报文发送至银联差错交易网络。本发明实施例提供了接入银联差错交易网络对接客户端的统一接口，各银联成员机构只需调用本发明实施例提供的接口组件，即可实现与银联差错交易网络的对接，提高了开发效率和运行稳定性。

Description

一种差错交易的标准化方法及装置
本申请要求在2016年11月29日提交中国专利局、申请号为201611076397.8、发明名称为“一种差错交易的标准化方法及装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及互联网领域，尤其涉及一种差错交易的标准化方法及装置。
背景技术
随着互联网技术的发展，银行卡支付途径也因此多元化。银行卡支付过程涉及到收单机构、银行卡组织、发卡机构等多方参与，一旦在支付过程中出现异常导致机构间账务出现差错，需要各方通过传递、审核大量的交易信息和凭证文件来证实账务的真实情况。
银联差错交易网络是全球银联成员机构的银行卡差错业务处理网络，即各成员机构联机处理差错交易的统一信息交换网络，该网络的核心是银联差错服务系统，成员机构通过各自建设差错对接客户端来接入该网络。由于银联差错业务规则和技术规范复杂、交易网络安全标准较高，而成员机构技术水平有限、客户端的运行环境各不相同，导致机构接入端的开发周期长、测试问题多、运行出错率高等问题，大大增加了成员机构接入银联差错交易网络的成本，降低了成员机构接入银联差错交易网络的效率。
此外，现有的成员机构建设的接入银联差错对接网络的客户端系统，都是基于自身的实现技术、系统环境和接入需求开发的，对本机构的运行环境依赖性较高，且缺少通用的开发接口，运行稳定性较差，因此只能供本机构接入差错对接网络使用，无法适用于其它成员机构。
综上所述，亟需一种跨平台标准组件来统一各成员机构与银联差错交易网络的对接。
发明内容
本发明提供一种差错交易的标准化方法及装置，用以解决现有技术中银联成员机构与银联差错交易网络之间缺少通用的开发接口，运行稳定性较差，开发效率低的问题。
第一方面，本发明实施例提供一种差错交易的标准化方法，包括：
接收客户端发送的差错业务调用请求，将所述差错业务调用请求转换为标准格式的交换报文；
根据预设的证书库，对所述交换报文中的敏感数据域进行加密，生成加密报文域；以及对所述交换报文中的关键字段进行签名，生成签名报文域；
通过双向认证的安全通讯链路将包含所述加密报文域和所述签名报文域的交换报文发送至银联差错交易网络。
较佳地，所述标准格式的交换报文包括可扩展标记语言XML报文标签名称和XML报文标签值，所述将所述差错业务调用请求转换为标准格式的交换报文，包括：
根据预设的调用方法名称与报文标签的对应关系，将所述差错业务调用请求的调用方法名称转化成XML报文标签名称；
将所述差错业务调用请求的调用方法参数转化成XML报文标签的值。
较佳地，所述预设的证书库通过以下方式确定：
提取中国金融认证中心CFCA的非对称加密证书中的服务器公钥和客户端私钥，通过所述服务器公钥和客户端私钥确定所述预设证书库，所述CFCA的非对称加密证书用于接入银联差错交易网络。
较佳地，所述根据预设的证书库，对所述差错业务调用请求的敏感数据域进行加密，生成加密报文域，包括：
调用所述预设证书库中的服务器公钥，对所述差错业务调用请求的敏感数据域进行加密，生成加密报文域。
较佳地，所述差错业务调用请求中的关键字段进行签名，生成签名报文 域，包括：
调用所述预设证书库中的客户端私钥，对所述差错业务调用请求中的关键字段进行签名，生成签名报文域。
较佳地，所述双向认证的安全通讯链路通过以下方式确定：
调用所述预设证书库中的服务器公钥和客户端私钥，根据安全套接层上的超文本传输协议HTTPS，建立与所述银联差错交易网络的双向认证的安全通讯链路。
较佳地，所述通过安全通讯链路将包含所述加密报文域和所述签名报文域的所述交换报文发送至银联差错交易网络之前，还包括：
若所述差错业务调用请求中包括二进制编码形式的凭证文件，则对所述凭证文件进行解码；
通过所述银联差错交易网络的编码方式对所解码后的凭证文件进行编码。
第二方面，本发明实施例还提供一种差错交易的标准化装置，包括：
格式转换单元：用于接收客户端发送的差错业务调用请求，将所述差错业务调用请求转换为标准格式的交换报文；
报文域转换单元：用于根据预设的证书库，对所述交换报文中的敏感数据域进行加密，生成加密报文域；以及对所述交换报文中的关键字段进行签名，生成签名报文域；
发送单元：用于通过双向认证的安全通讯链路将包含所述加密报文域和所述签名报文域的交换报文发送至银联差错交易网络。
较佳地，所述标准格式的交换报文包括可扩展标记语言XML报文标签名称和XML报文标签值，所述格式转换单元，具体用于：
根据预设的调用方法名称与报文标签的对应关系，将所述差错业务调用请求的调用方法名称转化成XML报文标签名称；
将所述差错业务调用请求的调用方法参数转化成XML报文标签的值。
较佳地，所述预设的证书库通过以下方式确定：
提取中国金融认证中心CFCA的非对称加密证书中的服务器公钥和客户端私钥，通过所述服务器公钥和客户端私钥确定所述预设证书库，所述CFCA的非对称加密证书用于接入银联差错交易网络。
较佳地，所述报文域转换单元，具体用于：
调用所述预设证书库中的服务器公钥，对所述差错业务调用请求的敏感数据域进行加密，生成加密报文域。
较佳地，所述报文域转换单元，具体用于：
调用所述预设证书库中的客户端私钥，对所述差错业务调用请求中的关键字段进行签名，生成签名报文域。
较佳地，所述双向认证的安全通讯链路通过以下方式确定：
调用所述预设证书库中的服务器公钥和客户端私钥，根据安全套接层上的超文本传输协议HTTPS，建立与所述银联差错交易网络的双向认证的安全通讯链路。
较佳地，所述报文域转换单元，还用于：
若所述差错业务调用请求中包括二进制编码形式的凭证文件，则对所述凭证文件进行解码；
通过所述银联差错交易网络的编码方式对所解码后的凭证文件进行编码。
第三方面，本发明实施例提供一种电子设备，包括：处理器、存储器、收发机、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
所述收发机，用于接收客户端发送的差错业务调用请求；
所述处理器，用于读取所述存储器中的程序，执行下列方法：将所述差错业务调用请求转换为标准格式的交换报文；根据预设的证书库，对所述交换报文中的敏感数据域进行加密，生成加密报文域；以及对所述交换报文中的关键字段进行签名，生成签名报文域；通过双向认证的安全通讯链路将包含所述加密报文域和所述签名报文域的交换报文发送至银联差错交易网络；
所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在 执行操作时所使用的数据；
所述收发机还用于将所述风险等级发送给交易平台，以使交易平台根据所述风险等级确定是否进行支付；
所述总线接口，用于提供接口。
第四方面，本发明实施例提供一种非暂态计算机可读存储介质，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行上述第一方面中任一实施例所述差错交易的标准化方法。
第五方面，本发明实施例提供一种计算机程序产品，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行上述第一方面中任一实施例所述差错交易的标准化方法。
本发明实施例提供的差错交易的标准化方法及装置，通过接收客户端发送的差错业务调用请求，将所述差错业务调用请求转换为标准格式的交换报文；根据预设的证书库，对所述交换报文中的敏感数据域进行加密，生成加密报文域；以及对所述交换报文中的关键字段进行签名，生成签名报文域；通过双向认证的安全通讯链路将包含所述加密报文域和所述签名报文域的交换报文发送至银联差错交易网络。本发明实施例提供了接入银联差错交易网络对接客户端的统一接口，各银联成员机构只需调用本发明实施例提供的接口组件，即可实现与银联差错交易网络的对接，提高了开发效率和运行稳定性。
附图说明
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简要介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域的普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1为本发明实施例提供的一种差错交易的标准化系统结构示意图；
图2为本发明实施例提供的一种差错交易的标准化方法流程示意图；
图3为本发明实施例提供的一种差错交易的标准化装置结构示意图；
图4为本发明实施例提供的一种电子设备的结构示意图。
具体实施方式
为了使本发明的目的、技术方案和优点更加清楚，下面将结合附图对本发明作进一步地详细描述，显然，所描述的实施例仅仅是本发明一部份实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其它实施例，都属于本发明保护的范围。
本发明实施例提供一种差错交易的标准化系统，如图1所示，为本发明实施例提供的一种差错交易的标准化系统结构示意图。包括银联成员机构101、差错交易标准化组件102、银联差错交易网络103。其中，银联成员机构包括：成员机构1客户端1011，成员机构2客户端1012，成员机构n客户端1013，银联成员机构101通过各自的客户端调用本发明实施例提供的差错交易标准化组件102，即可实现与银联差错交易网络103的对接。
本发明实施例提供的差错交易标准化组件102，通过Java通用接口技术实现，适用于各种操作系统，例如Windows、Linux、Unix等；以及各种中间件产品，例如Websphere、Weblogic、Jboss、Tomcat等。此外，通过配置参数来适应各银联成员机构101的机构代码、用户权限、文件路径等系统环境，从而满足各种技术条件下的银联成员机构101接入银联差错交易网络103的需求。
本发实施例提供的差错交易标准化组件102包括：报文转换模块1021，软件加密机1022，签名模块1023，证书管理模块1024，证书库1025，凭证文件编码解码模块1026，安全通讯模块1027。
报文转换模块1021，用于将银联成员机构101的客户端发送的差错业务数据转换成标准格式的差错请求报文。
软件加密机1022，用于对差错请求报文中的敏感数据域进行加密，保证报文的保密性。
签名模块1023，用于对差错请求报文中的关键字段进行签名，保证报文的不可否认性和防篡改性。
证书管理模块1024，用于管理差错对接的安全认证证书。
证书库1025存储了CFCA(China Financial Certification Authority，中国金融认证中心)签发给银联的非对称加密证书，包括开发阶段、入网测试阶段和生产运行阶段的服务器端公钥、客户端私钥，供证书管理模块1024使用。
凭证文件编码解码模块1026，用于对差错凭证文件进行编码和解码。
安全通讯模块1027，用于与银联差错交易网络建立双向认证的安全链接。
本发明实施例提供了接入银联差错交易网络对接客户端的统一接口，各银联成员机构101只需调用本发明实施例提供的差错交易标准化组件102，即可实现与银联差错交易网络103的对接。银联成员机构101只需关注行内差错业务相关的处理和实现，大大缩短了银联成员机构101的开发周期，节省了开发、测试及运维成本，提高了开发效率和运行稳定性。
本发明实施例提供一种差错交易的标准化方法，如图2所示，为本发明实施例提供的一种差错交易的标准化方流程示意图，包括：
步骤201：接收客户端发送的差错业务调用请求，将差错业务调用请求转换为标准格式的交换报文。
其中，客户端表示银联各成员机构的差错交易处理客户端平台。为了适配各个成员机构的差错交易处理客户端平台，转换前的请求是一般的程序函数调用形式，报文元素作为函数调用参数输入。例如：
SetReqMsgHeader(getMsgHeader())；
SetExpTransAt(TransAtr)；
SetPriAccountNumber(“6288888888888888”)；
SetSettleDt(“20150101”)；
SetTransAmount(TransAtr)；
SetTransKey(“01033910 7537601215165420001030000”)；
SetTransLogCd(“01”)；
SetRequestSeqNumber(“123456789”)；
具体地，可以通过报文转换模块1021实现本步骤的功能，标准格式的交换报文包括XML(Extensible Markup Language，可扩展标记语言)报文标签名称和XML报文标签值。报文转换模块1021模块接收到调用后，根据预设的调用方法名称与报文标签的对应关系，将差错业务调用请求的调用方法名称转化成XML报文标签名称；然后根据将差错业务调用请求的调用方法名称对应的调用方法参数，将差错业务调用请求的调用方法参数转化成XML报文标签的值。转换后的交换报文符合银联差错对接联网联合规范的XML报文格式，可以被银联差错交易网络接收并按照交换报文中表示的差错业务含义进行处理。例如：
<data:SetRequestSeqNumber>123456789</data:SetRequestSeqNumber>
<data:PriAccountNumber>6288888888888888</data:PriAccountNumber>
<data:SettleDt>20150101</data:SettleDt>
<data:TransAmount>10000</data:TransAmount>
<data:TransKey>01033910 7537601215165420001030000</data:TransKey>
<data:TransLogCd>01</data:TransLogCd>
<data:ExpTransAt>10000</data:ExpTransAt>
步骤202：根据预设的证书库，对交换报文中的敏感数据域进行加密，生成加密报文域；以及对交换报文中的关键字段进行签名，生成签名报文域。
具体地，在上述的差错交易的标准化系统中，证书库1025存储了CFCA签发给银联的非对称加密证书，包括开发阶段、入网测试阶段和生产运行阶段的服务器公钥、客户端私钥。然而，银联差错交易网络接入的证书指定为CFCA的非对称加密证书，该证书从无法直接区分证书包含的密钥类型，如服务器公钥和/或客户端私钥；也无法区分证书类型，如入网联调测试证书和生 产证书。该特性给机构入网过程造成了很大困难。
本发明实施例通过证书管理模块1024对证书库1025进行管理，将证书库中单一标准格式的CFCA的非对称加密证书进行配置、读取和转化，提取出CFCA的非对称加密证书中的服务器公钥和客户端私钥，并转化为可读取调用的形式。提取后的服务器公钥和客户端私钥用于为签名、加密、安全通讯等各功能模块提供证书。例如，客户端私钥证书源格式为pfx，服务器端公钥证书源格式为crt，提取转换后的目的格式为keystore、加密函数、签名函数等可以直接被调用的格式。
此外，证书管理模块1024将差错入网联调测试证书和生产证书进行区分，避免了证书使用中的混淆，保证在入网接入的不同阶段使用不同类型证书，大大提高了证书的管理性和使用效率。
进一步地，软件加密机1022从证书管理模块1024中调用服务器公钥，对差错业务调用请求的敏感数据域进行加密，生成加密报文域。敏感数据域包括密码等需要加密的敏感数据。加密后的信息只能被银联差错网络的服务器私钥进行解密，即使被非法截获也无法获取报文中的真实敏感信息，从而实现敏感信息的安全传输。
进一步地，签名模块1023从证书管理模块1024中调用客户端私钥，对差错业务调用请求中的关键字段进行签名，生成签名报文域。关键字段包括交易卡号、交易时间、交易金额等关键信息。签名后的信息被银联差错网络读取后，通过客户端公钥验证签名，验证通过确认合法后才对关键信息进行处理，实现了关键信息的不可否认性和防篡改性。
进一步地，若差错业务调用请求中包括二进制编码形式的凭证文件，则对凭证文件进行解码；并通过所述银联差错交易网络的编码方式(base64编码方式)对所解码后的凭证文件进行编码，实现文件的安全传输。
步骤203：通过双向认证的安全通讯链路将包含加密报文域和签名报文域的交换报文发送至银联差错交易网络。
具体地，可以通过安全通讯模块1027实现本步骤的功能。其中，安全通 讯链路是在各银联成员机构的客户端与银联差错交易网络服务器之间建立的一条安全通讯链路。安全通讯模块1027从证书管理模块1024中调用服务器端公钥和客户端私钥，根据HTTPS(Hyper Text Transfer Protocol over Secure Socket Layer，安全套接层上的超文本传输协议)，与银联差错交易网络服务器间建立双向认证SSL(Secure Sockets Layer，安全套接层)机制。双方安全认证通过后，将报文发送给银联差错交易网络服务器，并接收该服务端应答。
本发明实施例提供一种差错交易的标准化方法，将银联成员机构内部的客户端平台发送的差错业务调用请求转换为标准格式的交换报文，通过软件加密机对敏感数据域进行加密，通过签名模块对关键字段进行签名，通过凭证文件编码解码模块对凭证文件进行编码，将差错业务调用请求转换为银联差错交易网络可处理的、符合银联差错交易网络技术规范的报文。此外，通过Java通用接口技术实现各模块功能，灵活适配接入银联差错交易网络的各成员机构客户端系统，提供了通用、安全、便捷的客户端接入接口，缩短了成员机构的开发周期，降低了成员机构在测试、投产阶段的出错概率，大大降低了机构接入银联差错交易网络的成本。
基于同样的发明构思，本发明实施例还提供一种差错交易的标准化装置，如图3所示，为本发明实施例提供的一种差错交易的标准化装置结构示意图，包括：
格式转换单元301：用于接收客户端发送的差错业务调用请求，将所述差错业务调用请求转换为标准格式的交换报文；
报文域转换单元302：用于根据预设的证书库，对所述交换报文中的敏感数据域进行加密，生成加密报文域；以及对所述交换报文中的关键字段进行签名，生成签名报文域；
发送单元303：用于通过双向认证的安全通讯链路将包含所述加密报文域和所述签名报文域的交换报文发送至银联差错交易网络。
较佳地，所述标准格式的交换报文包括可扩展标记语言XML报文标签名称和XML报文标签值，所述格式转换单元301，具体用于：
根据预设的调用方法名称与报文标签的对应关系，将所述差错业务调用请求的调用方法名称转化成XML报文标签名称；
将所述差错业务调用请求的调用方法参数转化成XML报文标签的值。
较佳地，所述预设的证书库通过以下方式确定：
提取中国金融认证中心CFCA的非对称加密证书中的服务器公钥和客户端私钥，通过所述服务器公钥和客户端私钥确定所述预设证书库，所述CFCA的非对称加密证书用于接入银联差错交易网络。
较佳地，所述报文域转换单元302，具体用于：
调用所述预设证书库中的服务器公钥，对所述差错业务调用请求的敏感数据域进行加密，生成加密报文域。
较佳地，所述报文域转换单元302，具体用于：
调用所述预设证书库中的客户端私钥，对所述差错业务调用请求中的关键字段进行签名，生成签名报文域。
较佳地，所述双向认证的安全通讯链路通过以下方式确定：
调用所述预设证书库中的服务器公钥和客户端私钥，根据安全套接层上的超文本传输协议HTTPS，建立与所述银联差错交易网络的双向认证的安全通讯链路。
较佳地，所述报文域转换单元302，还用于：
若所述差错业务调用请求中包括二进制编码形式的凭证文件，则对所述凭证文件进行解码；
通过所述银联差错交易网络的编码方式对所解码后的凭证文件进行编码。
具体地，本发明实施例中的格式转换单元301的功能可通过本发明实施例提供的差错交易的标准化系统中的差错交易标准化组件102中的报文转换模块1021来实现。报文域转换单元302的功能可通过本发明实施例提供的差错交易的标准化系统中的差错交易标准化组件102中的软件加密机1022、签名模块1023、证书管理模块1024、证书库1025、凭证文件编码解码模块1026 来实现。发送单元303的功能可通过本发明实施例提供的差错交易的标准化系统中的差错交易标准化组件102中的证书管理模块1024、证书库1025、安全通讯模块1027来实现。
本发明实施例提供一种差错交易的标准化装置，将银联成员机构内部的客户端平台发送的差错业务调用请求转换为标准格式的交换报文，通过软件加密机对敏感数据域进行加密，通过签名模块对关键字段进行签名，通过凭证文件编码解码模块对凭证文件进行编码，将差错业务调用请求转换为银联差错交易网络可处理的、符合银联差错交易网络技术规范的报文。此外，通过Java通用接口技术实现各模块功能，灵活适配接入银联差错交易网络的各成员机构客户端系统，提供了通用、安全、便捷的客户端接入接口，缩短了成员机构的开发周期，降低了成员机构在测试、投产阶段的出错概率，大大降低了机构接入银联差错交易网络的成本。
基于相同的原理，本发明还提供一种电子设备，如图4所示，包括处理器401、存储器402、收发机403、总线接口404，其中处理器401、存储器402与收发机403之间通过总线接口404连接；
所述收发机403，用于接收客户端发送的差错业务调用请求；
所述处理器401，用于将所述差错业务调用请求转换为标准格式的交换报文；根据预设的证书库，对所述交换报文中的敏感数据域进行加密，生成加密报文域；以及对所述交换报文中的关键字段进行签名，生成签名报文域；通过双向认证的安全通讯链路将包含所述加密报文域和所述签名报文域的交换报文发送至银联差错交易网络；
所述存储器402，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
所述总线接口404，用于提供接口。
进一步地，所述标准格式的交换报文包括可扩展标记语言XML报文标签名称和XML报文标签值，所述处理器401将所述差错业务调用请求转换为标准格式的交换报文，具体用于：
根据预设的调用方法名称与报文标签的对应关系，将所述差错业务调用请求的调用方法名称转化成XML报文标签名称；
将所述差错业务调用请求的调用方法参数转化成XML报文标签的值。
进一步地，所述预设的证书库通过以下方式确定：
提取中国金融认证中心CFCA的非对称加密证书中的服务器公钥和客户端私钥，通过所述服务器公钥和客户端私钥确定所述预设证书库，所述CFCA的非对称加密证书用于接入银联差错交易网络。
进一步地，所述处理器401根据预设的证书库，对所述差错业务调用请求的敏感数据域进行加密，生成加密报文域，具体用于：
调用所述预设证书库中的服务器公钥，对所述差错业务调用请求的敏感数据域进行加密，生成加密报文域。
进一步地，所述差错业务调用请求中的关键字段进行签名，所述处理器401生成签名报文域，具体用于：
调用所述预设证书库中的客户端私钥，对所述差错业务调用请求中的关键字段进行签名，生成签名报文域。
进一步地，所述双向认证的安全通讯链路通过以下方式确定：
调用所述预设证书库中的服务器公钥和客户端私钥，根据安全套接层上的超文本传输协议HTTPS，建立与所述银联差错交易网络的双向认证的安全通讯链路。
进一步地，所述处理器401通过安全通讯链路将包含所述加密报文域和所述签名报文域的所述交换报文发送至银联差错交易网络之前，还用于：
若所述差错业务调用请求中包括二进制编码形式的凭证文件，则对所述凭证文件进行解码；
通过所述银联差错交易网络的编码方式对所解码后的凭证文件进行编码。
本申请实施例提供了一种非暂态计算机可读存储介质，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行任 一一项差错交易的标准化方法。
本申请实施例提供了一种计算机程序产品，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行上述任一一项差错交易的标准化方法。
本领域内的技术人员应明白，本发明的实施例可提供为方法、系统、或计算机程序产品。因此，本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器，使得通过该计算机或其他可编程数据处理设备的处理器执行的指令可实现流程图中的一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图的一个流程或多个流程和/或方框图的一个方框或多个方框中指定的功能的步骤。
尽管已描述了本发明的优选实施例，但本领域内的技术人员一旦得知了 基本创造性概念，则可对这些实施例作出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本发明范围的所有变更和修改。
显然，本领域的技术人员可以对本发明进行各种改动和变型而不脱离本发明的精神和范围。这样，倘若本发明的这些修改和变型属于本发明权利要求及其等同技术的范围之内，则本发明也意图包含这些改动和变型在内。

Claims (23)

  1. 一种差错交易的标准化方法，其特征在于，包括：
    接收客户端发送的差错业务调用请求，将所述差错业务调用请求转换为标准格式的交换报文；
    根据预设的证书库，对所述交换报文中的敏感数据域进行加密，生成加密报文域；以及对所述交换报文中的关键字段进行签名，生成签名报文域；
    通过双向认证的安全通讯链路将包含所述加密报文域和所述签名报文域的交换报文发送至银联差错交易网络。
  2. 如权利要求1所述的方法，其特征在于，所述标准格式的交换报文包括可扩展标记语言XML报文标签名称和XML报文标签值，所述将所述差错业务调用请求转换为标准格式的交换报文，包括：
    根据预设的调用方法名称与报文标签的对应关系，将所述差错业务调用请求的调用方法名称转化成XML报文标签名称；
    将所述差错业务调用请求的调用方法参数转化成XML报文标签的值。
  3. 如权利要求1所述的方法，其特征在于，所述预设的证书库通过以下方式确定：
    提取中国金融认证中心CFCA的非对称加密证书中的服务器公钥和客户端私钥，通过所述服务器公钥和客户端私钥确定所述预设证书库，所述CFCA的非对称加密证书用于接入银联差错交易网络。
  4. 如权利要求3所述的方法，其特征在于，所述根据预设的证书库，对所述差错业务调用请求的敏感数据域进行加密，生成加密报文域，包括：
    调用所述预设证书库中的服务器公钥，对所述差错业务调用请求的敏感数据域进行加密，生成加密报文域。
  5. 如权利要求3所述的方法，其特征在于，所述差错业务调用请求中的关键字段进行签名，生成签名报文域，包括：
    调用所述预设证书库中的客户端私钥，对所述差错业务调用请求中的关 键字段进行签名，生成签名报文域。
  6. 如权利要求3所述的方法，其特征在于，所述双向认证的安全通讯链路通过以下方式确定：
    调用所述预设证书库中的服务器公钥和客户端私钥，根据安全套接层上的超文本传输协议HTTPS，建立与所述银联差错交易网络的双向认证的安全通讯链路。
  7. 如权利要求1～6任一项所述的方法，其特征在于，所述通过安全通讯链路将包含所述加密报文域和所述签名报文域的所述交换报文发送至银联差错交易网络之前，还包括：
    若所述差错业务调用请求中包括二进制编码形式的凭证文件，则对所述凭证文件进行解码；
    通过所述银联差错交易网络的编码方式对所解码后的凭证文件进行编码。
  8. 一种差错交易的标准化装置，其特征在于，包括：
    格式转换单元：用于接收客户端发送的差错业务调用请求，将所述差错业务调用请求转换为标准格式的交换报文；
    报文域转换单元：用于根据预设的证书库，对所述交换报文中的敏感数据域进行加密，生成加密报文域；以及对所述交换报文中的关键字段进行签名，生成签名报文域；
    发送单元：用于通过双向认证的安全通讯链路将包含所述加密报文域和所述签名报文域的交换报文发送至银联差错交易网络。
  9. 如权利要求8所述的装置，其特征在于，所述标准格式的交换报文包括可扩展标记语言XML报文标签名称和XML报文标签值，所述格式转换单元，具体用于：
    根据预设的调用方法名称与报文标签的对应关系，将所述差错业务调用请求的调用方法名称转化成XML报文标签名称；
    将所述差错业务调用请求的调用方法参数转化成XML报文标签的值。
  10. 如权利要求8所述的装置，其特征在于，所述预设的证书库通过以下方式确定：
    提取中国金融认证中心CFCA的非对称加密证书中的服务器公钥和客户端私钥，通过所述服务器公钥和客户端私钥确定所述预设证书库，所述CFCA的非对称加密证书用于接入银联差错交易网络。
  11. 如权利要求10所述的装置，其特征在于，所述报文域转换单元，具体用于：
    调用所述预设证书库中的服务器公钥，对所述差错业务调用请求的敏感数据域进行加密，生成加密报文域。
  12. 如权利要求10所述的装置，其特征在于，所述报文域转换单元，具体用于：
    调用所述预设证书库中的客户端私钥，对所述差错业务调用请求中的关键字段进行签名，生成签名报文域。
  13. 如权利要求10所述的装置，其特征在于，所述双向认证的安全通讯链路通过以下方式确定：
    调用所述预设证书库中的服务器公钥和客户端私钥，根据安全套接层上的超文本传输协议HTTPS，建立与所述银联差错交易网络的双向认证的安全通讯链路。
  14. 如权利要求8～13任一项所述的装置，其特征在于，所述报文域转换单元，还用于：
    若所述差错业务调用请求中包括二进制编码形式的凭证文件，则对所述凭证文件进行解码；
    通过所述银联差错交易网络的编码方式对所解码后的凭证文件进行编码。
  15. 一种电子设备，其特征在于，包括处理器、存储器、收发机、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
    所述收发机，用于接收客户端发送的差错业务调用请求；
    所述处理器，
    用于将所述差错业务调用请求转换为标准格式的交换报文；根据预设的证书库，对所述交换报文中的敏感数据域进行加密，生成加密报文域；以及对所述交换报文中的关键字段进行签名，生成签名报文域；通过双向认证的安全通讯链路将包含所述加密报文域和所述签名报文域的交换报文发送至银联差错交易网络；
    所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
    所述总线接口，用于提供接口。
  16. 如权利要求15所述的设备，其特征在于，所述标准格式的交换报文包括可扩展标记语言XML报文标签名称和XML报文标签值，所述处理器将所述差错业务调用请求转换为标准格式的交换报文，具体用于：
    根据预设的调用方法名称与报文标签的对应关系，将所述差错业务调用请求的调用方法名称转化成XML报文标签名称；
    将所述差错业务调用请求的调用方法参数转化成XML报文标签的值。
  17. 如权利要求15所述的设备，其特征在于，所述预设的证书库通过以下方式确定：
    提取中国金融认证中心CFCA的非对称加密证书中的服务器公钥和客户端私钥，通过所述服务器公钥和客户端私钥确定所述预设证书库，所述CFCA的非对称加密证书用于接入银联差错交易网络。
  18. 如权利要求17所述的设备，其特征在于，所述处理器根据预设的证书库，对所述差错业务调用请求的敏感数据域进行加密，生成加密报文域，具体用于：
    调用所述预设证书库中的服务器公钥，对所述差错业务调用请求的敏感数据域进行加密，生成加密报文域。
  19. 如权利要求17所述的设备，其特征在于，所述差错业务调用请求中的关键字段进行签名，所述处理器生成签名报文域，具体用于：
    调用所述预设证书库中的客户端私钥，对所述差错业务调用请求中的关键字段进行签名，生成签名报文域。
  20. 如权利要求17所述的设备，其特征在于，所述双向认证的安全通讯链路通过以下方式确定：
    调用所述预设证书库中的服务器公钥和客户端私钥，根据安全套接层上的超文本传输协议HTTPS，建立与所述银联差错交易网络的双向认证的安全通讯链路。
  21. 如权利要求15～20任一所述的设备，其特征在于，所述处理器通过安全通讯链路将包含所述加密报文域和所述签名报文域的所述交换报文发送至银联差错交易网络之前，还用于：
    若所述差错业务调用请求中包括二进制编码形式的凭证文件，则对所述凭证文件进行解码；
    通过所述银联差错交易网络的编码方式对所解码后的凭证文件进行编码。
  22. 一种非暂态计算机可读存储介质，其特征在于，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行权利要求1～7任一所述方法。
  23. 一种计算机程序产品，其特征在于，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行权利要求1～7任一所述方法。
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