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A bank card data flow control method and system

A data flow and control method technology, applied in the direction of digital transmission system, transmission system, data exchange network, etc., can solve the problems of CB performance impact, CB processing capacity limitation, cross-bank card transaction success rate decline, etc., to improve processing efficiency, The effect of improving data processing performance

Active Publication Date: 2016-08-10
BANK OF COMMUNICATIONS
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] 1. The number of channels from CPS to CB is too large: the processing capacity of CB is limited. If the number of channels from CPS to CB is too large, the flow pressure of CPS to CB will be too large, which exceeds the capacity of CB, and the performance of CB will suffer. Greatly affected, all account transactions, including cross-bank transactions sent by CPS, may fail overtime, seriously affecting the success rate of cross-bank card transactions
[0006] 2. The number of channels from CPS to CB is too small: At this time, the traffic sent from CPS to CB is too small. Even if the processing capacity of CB is not fully utilized, it can still accept more tasks. However, due to the limitation of the number of channels, a large number of cross-line Card online transaction information accumulates in the CPS task queue, resulting in a timeout failure, and the success rate of cross-bank card transactions decreases

Method used

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  • A bank card data flow control method and system
  • A bank card data flow control method and system
  • A bank card data flow control method and system

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Experimental program
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Effect test

Embodiment 1

[0026] Such as figure 1 As shown, the embodiment of the present invention provides a bank card data flow control method. figure 2 It is a matching model between the CPS and the core system of the card exchange system, and describes the data flow relationship among the third-party card exchange organization, the CPS system, and the CB core accounting system. to combine figure 1 and figure 2 Illustrate the bank card data flow control method of the embodiment of the present invention, this method comprises:

[0027] Step S101: Obtain the maximum tolerable value M of the average online transaction processing time of the bank's core accounting system CB through a stress test.

[0028] R represents the average transaction processing time of CB, and R can be obtained in real time through system monitoring. When the average transaction processing time exceeds a certain safety threshold, the performance of online transaction processing will drop sharply, and the threshold is M. ...

Embodiment 2

[0043] Such as Figure 4As shown, the embodiment of the present invention provides a bank card data flow control system, which includes: a maximum tolerable value acquisition unit 401 , a data acquisition unit 402 , a comparison unit 403 and a channel number adjustment unit 404 .

[0044] The maximum tolerable value obtaining unit 401 is used to obtain the maximum tolerable value M of the average processing time of CB online transactions through stress testing; R represents the average processing time of CB transactions, and R can be obtained in real time through system monitoring. When the average transaction processing time exceeds a certain safety threshold, the performance of online transaction processing will drop sharply, and the threshold is M. Therefore, to provide the performance of online transaction processing, it is necessary to ensure that the average transaction processing time of CB is R

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Abstract

The invention provides a bank card data flow control method and system. The method comprises the steps that the maximum bearable value M of the average processing time of online transactions on a bank core account system (CB) is obtained through a pressure test; the average processing time R of current online transactions and the concurrence quantity P of inter-bank transactions are collected in real time; the R and the M are compared, a comparative result is generated; according to the comparative result, the number N of channels on a card exchange processing system (CPS) for sending the transactions to the CB is adjusted to enable the N to meet the relational expression: P*R<=N<=P*M. According to the bank card data flow control method and system, the average processing time R of the online transactions and the concurrence quantity P of the inter-bank transactions are detected in real time; the number of channels on the CPS for sending the transactions to the CB is adjusted by means of comparing the R with the maximum bearable value M so that the sending of a part of the online transactions to be processed can be suspended, data processing performance is enhanced, and the processing efficiency of the online transactions through cards is improved to the maximum extent.

Description

technical field [0001] The invention relates to bank card data processing technology, in particular to a bank card data flow control method and system. Background technique [0002] The success rate of cross-bank card transactions (mainly refers to UnionPay transactions in China) reflects the stability of the IT system and service level of commercial banks. UnionPay will regularly announce the success rate of card transactions of each bank. An important consideration indicator, a reasonable application architecture configuration is of great help to improve the success rate of cross-bank card transactions. [0003] In the banking business, the card processing system (CARD PROCESSING SYSTEM CPS) is usually independent of the core accounting system (CORE BANKING SYSTEM CB), and serves as an interface with a third-party card exchange organization (mainly refers to the UnionPay system in China) for card transactions. input, and then uploaded to the core accounting system for pro...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): H04L12/801
Inventor 郑仕辉邵鹏
Owner BANK OF COMMUNICATIONS