Method for realizing access of single Unionpay system into multiple credit card systems
A technology of credit card and linked system, applied in transmission systems, digital transmission systems, instruments, etc., can solve problems such as restricting the ability of credit card issuing business to expand and unable to freely introduce credit cards.
Active Publication Date: 2020-10-27
上海通联金融服务有限公司
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- Abstract
- Description
- Claims
- Application Information
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Problems solved by technology
Limited by the resource constraints of UnionPay network access institution numbers, banks cannot freely introduce multiple credit card systems to compete, which severely restricts the ability of each bank to expand its credit card issuance business
Method used
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[0040] The specific implementation manner of the present invention will be described in more detail below with reference to schematic diagrams. The advantages and features of the present invention will be more apparent from the following description. It should be noted that all the drawings are in a very simplified form and use imprecise scales, and are only used to facilitate and clearly assist the purpose of illustrating the embodiments of the present invention.
[0041] In the following, if the methods described herein comprise a series of steps, the order of these steps presented herein is not necessarily the only order in which these steps can be performed, and some of the described steps may be omitted and / or some not described herein. Additional steps can be added to the method.
[0042] At present, the UnionPay system is very strict on access system and institution management, and a bank can only assign one credit card institution number. This institution number is t...
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The invention relates to a method for realizing access of a single Unionpay system to multiple credit card systems. The method comprises the following steps: establishing a Unionpay communication module, a credit card communication module and a logic processing module; independently starting the logic processing module, and receiving a message; by the logic processing module, determining the routes of the received message and acquiring the source and destination of the received message, wherein the routes comprise a route from the Unionpay communication module to the credit card communicationmodule and a route from the credit card communication module to the Unionpay communication module; and performing MAC verification and PIN decryption on the received message according to the message source, and regenerating MAC and performing PIN encryption according to the message destination. Visibly, the Unicompay communication module and the credit card communication module are used as transmission channels, and the logic processing module is used as an intermediate processing means, so that the purpose that a bank can still access a plurality of credit card systems after only accessing one credit card organization number is achieved, and the card issuing business capability of the bank credit card is expanded.
Description
technical field [0001] The invention relates to the technical field of access systems, in particular to a method for realizing the access of a single UnionPay system to multiple credit card systems. Background technique [0002] At present, the credit card market is highly competitive, and there are multiple credit card systems competing in the market. Each credit card system has its own advantages, and the UnionPay channel is the largest transaction channel for the credit card system. [0003] The current UnionPay system is very strict on access system and institution management, and a bank can only assign one credit card institution number. This institution number is the only resource for UnionPay channel transactions and clearing. Limited by the resource constraints of UnionPay network access institution numbers, banks cannot freely introduce multiple credit card systems to compete, which severely restricts the ability of each bank to expand its credit card issuance busi...
Claims
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IPC IPC(8): H04L29/06H04L9/32G06Q40/02
CPCH04L63/0876H04L63/083H04L63/0428H04L9/3226G06Q40/03
Inventor 李成军
Owner 上海通联金融服务有限公司