Interface system used for transaction data access, and implementation method thereof

Abstract

The invention relates to an interface system used for transaction data access. The interface system comprises a preposed input / output module, a database, a service launch processing module, a message transmitting MQ module, a message receiving MQ module and a receiving module, wherein the preposed input / output module is used for receiving data from a transaction data clearing system and loading the data into the database; the database is used for storing the data from the preposed input / output module and data from the receiving module; the service launch processing module reads data from the data base and processes the data to generate a payment information message, and generates a payment command according to the payment information message; the message transmitting MQ module sends the payment command from the service launch processing module to a payment channel to realize fund data transfer; the message receiving MQ module receives a feedback message about the payment command from the payment channel; and the receiving module processed the feedback message from the message receiving MQ module and stores a processing result in the database. By adopting the interface system and an implementation method thereof, fund settlement links can be reduced, timely account recording can be achieved, and the timeliness and accuracy of settlement can be can effectively improved.

Description

technical field [0001] The present invention relates to a computer system for data processing of financial data and its implementation method, in particular to an interface system for transaction data access and its implementation method set between a bank card transaction clearing system and a payment channel. Background technique [0002] In the existing method of merchant’s fund entry, since the merchant is at the end of the entire bank card transaction, the clearing card organization usually clears the transaction on the current day (T day), and then transfers the net difference to the transaction acquirer on T+1 day Institutions, and then the acquirer distinguishes different accepting merchants according to their transaction data, settles the funds according to the transaction status, and transfers them to the opening bank accounts of different merchants on T+X day. [0003] This method has many fund processing links, such as clearing card organizations, acquiring ins...

AI Technical Summary

Problems solved by technology

[0003] This method has many fund processing links, such as clearing card organizations, acquiring institutions, accepting merchants, and merchants’ account opening banks. In this way, there are problems of slow fund entry and low turnover efficiency of merchants’ funds, which is not conducive to the rapid return of merchants’ funds. , the merchants' enthusiasm is low, which restricts the rapid development of the bank card transaction acceptance market

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