Data processing method and system for unified payment messages

A data processing system and message technology, applied in data processing applications, payment architecture, transmission systems, etc., can solve problems such as high cost, high difficulty, inconsistent payment service standards, etc., achieve system flexibility, reduce operation and management cost, and the effect of improving business management efficiency

Active Publication Date: 2016-12-07
北京仁聚汇通信息科技有限责任公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0006] In view of the above analysis, the present invention aims to provide a data processing method and system for unified payment messages to solve the problem of docking payment between various business and product line systems caused by the inconsistency of existing payment service standards and the diversification of payment systems. difficult and costly problems

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  • Data processing method and system for unified payment messages
  • Data processing method and system for unified payment messages
  • Data processing method and system for unified payment messages

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Embodiment Construction

[0043] Preferred embodiments of the present invention will be specifically described below in conjunction with the accompanying drawings, wherein the accompanying drawings constitute a part of the application and are used together with the embodiments of the present invention to explain the principles of the present invention.

[0044] The specific embodiment of the present invention discloses a unified payment message data processing system, such as figure 1 As shown, it includes a channel access module, a gateway, a business processing module, a unified message grouping module, a unified message storage module and a unified message query display module.

[0045] The channel access module includes a plurality of channel access terminals and a plurality of channel access terminal servers configured on the channel access terminals, and the channel access terminal server generates payment and settlement messages corresponding to the operations of the channel access terminals , s...

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Abstract

The invention relates to a data processing method for unified payment messages. The data processing method comprises the following steps of: generating payment and settlement messages according to operation corresponding to channel access terminals by channel access terminal servers configured in multiple channel access terminals; for the payment and settlement messages from different payment systems, extracting data in the messages and performing packet forming according to message specifications thereof so as to generate and output a unified message data packet; storing the generated unified message data packet in an XML database; and, according to query fields input by users and format requirements of the payment and settlement messages, searching from a database, selecting required data, and converting the data into the corresponding payment and settlement messages to display. The butt joint difficulty with a payment and settlement network and a financial mechanism is simplified through the unified payment messages; standardization unified payment service interfaces and specifications are provided; and thus, the service management efficiency is increased.

Description

technical field [0001] The invention relates to the technical field of electronic payment, in particular to a data processing method and system for a unified payment message. Background technique [0002] The payment and settlement business systems of existing enterprises and financial institutions follow the following logic: [0003] There are many types of payment systems and payment and settlement channels. Bank card networks, third-party payments, local clearing networks, and international payment networks have brought complexity and differences to the access of enterprises and financial institutions. Enterprises usually build different payment software systems respectively Support different payment service providers or payment and clearing network services, and even build different payment systems to support specific payment and clearing networks, such as the second-generation access of the People's Bank of China, access to super online banking, access to Rural Credit B...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L29/06G06Q20/08
CPCG06Q20/08H04L69/03H04L69/22
Inventor 董洪宪彭新荣黄兴
Owner 北京仁聚汇通信息科技有限责任公司
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