Novel bank card transaction exchange system

A switching system and bank card technology, which is applied in the field of high-efficiency switching platforms, can solve problems such as inconsistency of host platforms, difficulty in interconnection, and single functions, and achieve the effects of improving fast processing, convenient use, and improving throughput

Active Publication Date: 2013-01-23
CHINA UNIONPAY
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Problems solved by technology

However, due to the existence of regional centers, the exchange system implemented by the system is actually a "two-level exchange" mechanism. When the accepting institution and the card issuing institution are in the same area, the transaction exchange is completed by the regional center, otherwise the transaction will go through the regional center successively. a. There are three exchange nodes in the national general center and regional center b, so that there are many participating exchange nodes, and there are disadvantages such as slow transaction response and low success rate.
[0004] Generally speaking, the current bank card exchange system has a certain degree of blindness in the planning level, single function, small coverage

Method used

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Embodiment Construction

[0175] like figure 2 Shown is a schematic diagram of the new system of the present invention, which is different from the previous system in that it has a unified processing center and corresponding intra-city backup center, remote backup center, etc., there is no longer a regional center, and the network access mechanism is directly connected through the network to the processing center and off-site backup center. Wherein, the processing center is directly connected to the same-city backup center, the same-city backup center is directly connected to the remote backup center, and the processing center is not directly connected to the remote backup center. As shown in the figure, network access institutions include several banks, several professional service organizations, several ATM front-end computers, several POS front-end computers, several payment gateway front-end computers, several mobile payment front-end computers, and several public payment platform front-end comput...

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Abstract

The invention relates to a novel bank card transaction exchange system. The system is an exchange network and a clearing network of various bank card transactions and comprises a processing center, at least one backup center, and network access mechanisms connected to the processing center through a network. The system is characterized in that the processing center is provided with a switching subsystem and a batch processing subsystem, and networking usage can be effectively realized. The system is a bank card transaction processing platform which realizes centralized exchange and uniform clearing, an advanced switching technology is adopted, the system is compatible with various network access interfaces, supports multi-currency multi-card transaction exchange and clearing and parametric functional configuration, adapts to market change and is safe and reliable, function extension is easy to realize, convenience is brought to a user, and peak transaction capacity accords with the development trend of a bank card service in the future.

Description

[0001] This application is a divisional application of the application No. 200410054170.4 and the title of the invention "A New Type of Bank Card Transaction Exchange System" (the original application date was August 31, 2004). technical field [0002] The invention relates to a bank card transaction exchange and clearing platform, in particular to a high-efficiency exchange platform for networking and general use. Background technique [0003] Due to the relatively late start of China's bank card industry and the lack of corresponding professional service companies, commercial banks have built their own bank card transaction exchange networks and clearing networks in various places and formed their own systems. Based on such a historical background, a national bank card exchange center has been established on the basis of a decentralized regional exchange network to form a nationwide unified exchange network. The network can preliminarily realize online transactions across ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G07F19/00
Inventor 柴洪峰单怀光戚跃民郭锐胡文斌吴金坛黎宝华
Owner CHINA UNIONPAY
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