Cross-border payment message transmission method and device
A message transmission and message technology, which is applied in the field of cross-border payment, can solve problems such as the inability to guarantee the transmission of CIPS standard messages, and achieve the effect of achieving independence and ensuring standardization
Pending Publication Date: 2022-03-08
跨境银行间支付清算有限责任公司
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Problems solved by technology
[0004] At present, the RMB cross-border payment business mainly relies on the CIPS system and direct participants. CIPS standard messages can only be transmitted between the CIPS system and the direct participant systems. Indirect participants cannot guarantee the standard transmission of CIPS standard messages. The independence, completeness and security of cross-border RMB business standard transmission need to be improved
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[0028] In order to make the objects, technical solutions, and advantages of the present invention, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the schematic embodiment of the present invention will be described herein for explanation of the invention, but is not limited to the present invention.
[0029] First, the technical noun in the embodiment of the present invention is introduced:
[0030] CIPS: Cross-Border Interbank Payment System.
[0031] HTTPS: Hyper Text Transfer Protocol Over Secure Socket Layer, is a secure Target HTTP channel, and the transmission process is guaranteed by transport encryption and authentication based on HTTP.
[0032] MQ: Message Queue is a communication method for the application "to" application.
[0033] Direct Participant System (direct reference): Financial institutions in the clearing account in the RMB cross-border payment system.
[0034] Indirect Parti...
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The invention discloses a cross-border payment message transmission method and device, which can be used in the technical field of cross-border payment, and the method comprises the following steps: a standard transceiver corresponding to an indirect participant system receives a first message stored in a local queue by the indirect participant system; analyzing the first message, and determining first initiator information and first receiver information; obtaining first processing component list information according to the first initiator information, the first receiver information and the uplink processing type; according to the first processing component list information, carrying out rule verification on the first message and then carrying out encryption; and sending the encrypted first message to a standard transceiver corresponding to the direct participant system according to a remote queue corresponding to the first message routing domain information. According to the invention, the standardization of CIPS standard message transmission can be ensured, and the independence, integrity and security of cross-border RMB business standard transmission are realized.
Description
Technical field [0001] The present invention relates to the field of cross-border payment techniques, and more particularly to a cross-border payment message transmission method and device. Background technique [0002] This section is intended to provide background or context of the embodiments of the present invention described in the claims. The description herein is not because it is recognized in this section. [0003] RMB cross-border payment system (CROSS CIPS system) is a wholesale payment system approved by the People's Bank of China, which is committed to providing safe, efficient, convenient and low-cost funding liquidation. Settlement service, is an important financial market infrastructure in my country, and play an important role in promoting two-way openness of the financial industry, enhances financial services, and helps RMB internationalization. [0004] At present, the RMB cross-border payment business mainly relies on CIPS system and direct participants. The C...
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Patent Timeline
Login to View More IPC IPC(8): H04L9/40H04L69/22G06Q20/38G06Q20/40
CPCH04L63/0428H04L63/12H04L63/123H04L69/22G06Q20/381G06Q20/3829G06Q20/401G06Q20/405H04L2209/56
Inventor 朱雅凤张森孙思哲陈高照何指剑王岚程晓松
Owner 跨境银行间支付清算有限责任公司