CN108537520A - A kind of method and apparatus of access Third-party payment transaction - Google Patents
A kind of method and apparatus of access Third-party payment transaction Download PDFInfo
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- CN108537520A CN108537520A CN201710123729.1A CN201710123729A CN108537520A CN 108537520 A CN108537520 A CN 108537520A CN 201710123729 A CN201710123729 A CN 201710123729A CN 108537520 A CN108537520 A CN 108537520A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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Abstract
The present embodiments relate to financial field more particularly to a kind of method and apparatus of access Third-party payment transaction, for accessing Third-party payment transaction.In the embodiment of the present invention, banking system receives the transaction request message that Third-party payment platform is sent；Banking system generates Third-party payment transaction request message, Third-party payment transaction request message includes Third-party payment information and transaction message information according to transaction request message；Third-party payment transaction request message is sent to the banking channels processing subsystem of credit card system by banking system through online service integrated platform, so that banking channels processing subsystem according to Third-party payment information processing Third-party payment transaction request message, is realized and is merchandised to the credit card system access Third-party payment of Unionpay's data.
Description
Technical field
The present embodiments relate to financial field more particularly to a kind of method and apparatus of access Third-party payment transaction.
Background technology
Credit card is the financial business that Developing is exceedingly fast, it can substitute conventional currency progress in a certain range
Transaction.Credit card is that bank issues to personal or unit, and gives the certain credit of holder as a kind of credit card of mainstream
The bank card of amount.It is more and more whole under the overall background for paying the Third-party payment platforms fast development such as logical with Alipay, wealth
End on-line transaction is initiated by Third-party payment platform.Unionpay's data credit card system itself is merchandised without reserved Third-party payment
Channel, in order to promote user experience, Unionpay's data credit card system access Third-party payment transaction is imperative.
It merchandises for Unionpay's data credit card system access Third-party payment, in the prior art a kind of commonly used method
It is the increase Third-party payment transaction channel processing subsystem in Unionpay's data credit card system, by Third-party payment transaction channel
Processing subsystem is as a kind of independent Third-party payment transaction channel access Unionpay data credit card system.Another method is
The special system of newly-built a set of special disposal Third-party payment transaction, and it is incorporated into Unionpay's data credit card system.Although logical
The special system for crossing newly-increased Third-party payment transaction channel or newly-built a set of special disposal Third-party payment transaction can be certain
Third-party payment transaction is supported in degree, but is had the following problems again：The method of newly-increased third party transaction channel, although being not required to
In addition the special system of a set of special disposal Third-party payment transaction is created, but to Unionpay's data credit card system itself
Transformation is too big, not only causes huge workload, also reduces the reliability of credit card system, considerably increase and be transformed into
This；And the method that the special system of newly-built a set of special disposal Third-party payment transaction is incorporated to Unionpay's data credit card system, though
So credit card system itself is changed less, but the special system of newly-built a set of special disposal Third-party payment transaction is brought
Making, operation and maintenance cost be extremely expensive.
In conclusion in the method that the prior art merchandises for Unionpay's data credit card system access Third-party payment, connect
Enter Third-party payment transaction channel and causes that the transformation to Unionpay's data credit card system is too big, creates a set of special disposal third
It is made caused by the special system of square payment transaction, the problem that operation and maintenance cost is extremely expensive, it is, therefore, desirable to provide having
The method of effect solves the above problems.
Invention content
The embodiment of the present invention provides a kind of method and apparatus of access Third-party payment transaction, to solve in the prior art
Access Third-party payment transaction channel and cause that the transformation to Unionpay's data credit card system is too big, creates a set of special disposal the
It is made caused by the special system of tripartite's payment transaction, the problem that operation and maintenance cost is extremely expensive.
The embodiment of the present invention provides a kind of method of access Third-party payment transaction, including：
Banking system receives the transaction request message that Third-party payment platform is sent；
Banking system generates Third-party payment transaction request message according to transaction request message, and Third-party payment transaction is asked
It includes Third-party payment information and transaction message information to seek message；
Third-party payment transaction request message is sent to credit card system by banking system through online service integrated platform
Banking channels processing subsystem, so that banking channels processing subsystem is merchandised according to Third-party payment information processing Third-party payment
Request message.
Optionally, Third-party payment information includes Third-party payment mark and the requirement of Third-party payment trading processing.
Optionally, further include：
Banking system receives the Third-party payment transaction response message that online service integrated platform is sent；Third-party payment is handed over
Easy response message is that banking channels processing subsystem requires to generate according at least to Third-party payment trading processing；
Third-party payment transaction response message is sent to Third-party payment platform by banking system.
The method that the embodiment of the present invention also provides another access Third-party payment transaction, including：
Credit card system receives the Third-party payment transaction request message that online service integrated platform is sent；Third-party payment
Transaction request message is that banking system is generated according to the transaction request message that Third-party payment platform is sent, and Third-party payment is handed over
Easy request message includes Third-party payment information and transaction message information；
The banking channels processing subsystem of credit card system is handed over according at least to Third-party payment information processing Third-party payment
Easy request message.
Optionally, Third-party payment information includes at least the domains 60.2.5,91 domains, 108.5 domains in ISO8583 messages.
The embodiment of the present invention provides a kind of device of access Third-party payment transaction, including：
First transmission unit：Transaction request message for receiving Third-party payment platform transmission；
Generation unit：For according to transaction request message, generating Third-party payment transaction request message, Third-party payment is handed over
Easy request message includes Third-party payment information and transaction message information；
Processing unit：For Third-party payment transaction request message to be sent to credit card system through online service integrated platform
The banking channels processing subsystem of system, so that banking channels processing subsystem is according to Third-party payment information processing Third-party payment
Transaction request message.
Optionally, Third-party payment information includes Third-party payment mark and the requirement of Third-party payment trading processing.
Optionally, further include：
Receiving unit：Third-party payment transaction response message for receiving the transmission of online service integrated platform；Third party
Payment transaction response message is that banking channels processing subsystem requires to generate according at least to Third-party payment trading processing；
Second transmission unit：For Third-party payment transaction response message to be sent to Third-party payment platform.
The embodiment of the present invention also provides the device of another access Third-party payment transaction, including：
Third transmission unit：Third-party payment transaction request message for receiving the transmission of online service integrated platform；The
Tripartite's payment transaction request message is that banking system is generated according to the transaction request message that Third-party payment platform is sent, third
Square payment transaction request message includes Third-party payment information and transaction message information；
Processing unit：For according at least to Third-party payment information processing Third-party payment transaction request message.
Optionally, Third-party payment information includes at least the domains 60.2.5,91 domains, 108.5 domains in ISO8583 messages.
A kind of method and apparatus of access Third-party payment transaction are provided in the embodiment of the present invention, banking system receives the
The transaction request message that tripartite's payment platform is sent；Banking system generates Third-party payment transaction and asks according to transaction request message
It includes Third-party payment information and transaction message information to ask message, Third-party payment transaction request message；Banking system is by third
Square payment transaction request message is sent to the banking channels processing subsystem of credit card system through online service integrated platform, so that
Banking channels processing subsystem is according to Third-party payment information processing Third-party payment transaction request message.In the embodiment of the present invention
Third-party payment platform is docked with banking system, banking system receives the transaction request report that Third-party payment platform is sent
Text, by allowing Third-party payment to merchandise the form of system channel in traveling, banking system generates third according to transaction request message
Square payment transaction request message, wherein Third-party payment transaction request message includes Third-party payment information and transaction message letter
Breath；Third-party payment transaction request message is sent to bank's canal of credit card system by banking system through online service integrated platform
Road processing subsystem, so that banking channels processing subsystem is according to Third-party payment information processing Third-party payment transaction request report
Text only needs banking system the processing of the transaction request message of reception to can be realized the access of Third-party payment transaction in this way,
Namely to the transformation including credit card system, banking system and little, only need banking system to transaction request message at
The Third-party payment transaction request message that reason and credit card system docking are received is handled, you can realizes Unionpay's data credit card
System access Third-party payment is merchandised, and manpower, financial resources cost are greatly reduced.
Description of the drawings
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly introduced.
Fig. 1 is that an embodiment of the present invention provides the method schematic diagrams that the prior art accesses Third-party payment transaction；
Fig. 2 is that an embodiment of the present invention provides the flow diagrams that a kind of credit card system access Third-party payment is merchandised；
Fig. 3 is a kind of method flow schematic diagram of access Third-party payment transaction provided in an embodiment of the present invention；
Fig. 4 is a kind of apparatus structure schematic diagram of access Third-party payment transaction provided in an embodiment of the present invention；
Fig. 5 is another apparatus structure schematic diagram for accessing Third-party payment transaction provided in an embodiment of the present invention.
Specific implementation mode
In order to make the purpose of the present invention, technical solution and advantageous effect be more clearly understood, below in conjunction with attached drawing and implementation
Example, the present invention will be described in further detail.It should be appreciated that specific embodiment described herein is only used to explain this hair
It is bright, it is not intended to limit the present invention.
In order to illustrate more clearly of problem of the existing technology, below to take newly-built a set of special place in the prior art
The special system of Third-party payment transaction is managed, and the method being incorporated into Unionpay's data credit card system is briefly introduced.
Fig. 1 schematically illustrates the method schematic diagram of prior art access Third-party payment transaction, as shown in Figure 1.In Fig. 1, existing
There is technology to take special system i.e. third party's channel processing subsystem of newly-built a set of special disposal Third-party payment transaction, and will
Third party's channel processing subsystem is incorporated in credit card system.Wherein, Third-party payment platform and online service integrated platform pair
It connects, online service integrated platform is responsible for the centralized management of online transaction business access channel, and credit card system completes credit card
It business, third party's channel processing subsystem such as consumes, transfer accounts, inquiring to be generated by the credit card system reform, complete to third party's branch
Pay the processing of transaction.
So, specific third party transaction process flow is as follows：
1, Third-party payment platform sends transaction request message to online service integrated platform；
2, the transaction request message of reception is transmitted to credit card system by online service integrated platform；
3, the transaction request message of reception is transferred to third party's channel by credit card system after receiving transaction request message
Processing subsystem；
4, third party's channel processing subsystem judges that it is awarded according to the transaction request message received, its comprehensive parameters
Whether power succeeds, if authorizing successfully, successful response message will be authorized to return to online service integrated platform, otherwise will authorize
The response message of failure returns to online service integrated platform；
5, after online service integrated platform receives the response message that credit card system is sent, it is flat to be transmitted to Third-party payment
Platform.
This special system, that is, third party's channel processing using by newly-built a set of special disposal Third-party payment transaction
Subsystem, and third party's channel processing subsystem is incorporated to the method in credit card system, make to be transformed credit card system
Caused making, O＆M cost are extremely expensive, and impracticable.
A kind of method taken in the prior art is to increase Third-party payment transaction canal in Unionpay's data credit card system
Road processing subsystem connects Third-party payment transaction channel processing subsystem as a kind of independent Third-party payment transaction channel
Enter Unionpay's data credit card system；Another method is the special system of newly-built a set of special disposal Third-party payment transaction, and
It is incorporated into Unionpay's data credit card system.The key technological transformation that the method that the prior art is taken all carries out credit card system.
The manpower that is brought in order to avoid carrying out key technological transformation to the credit card system of Unionpay's data, financial resources cost is big asks
Topic, technical scheme of the present invention, which is taken, docks Third-party payment platform with banking system, is merchandised traveling by Third-party payment
The form of interior system channel completes the transaction of credit card system access Third-party payment.Fig. 2 schematically illustrates implementation of the present invention
A kind of flow diagram of credit card system access Third-party payment transaction of example, as shown in Figure 2.In fig. 2, to credit card system
System no longer needs newly-increased third party's channel processing subsystem, but carries out transformation by a small margin to banking channels processing subsystem
To increase the support to Third-party payment trading processing.In order to allow credit card system that can smoothly access Third-party payment transaction,
Inventor, which notices, has some self-defined by these with customized specific message domain in ISO8583 message interface specifications
Message domain can make credit card system realize the access of Third-party payment transaction, and without carrying out increase by the to credit card system
Tripartite's payment transaction channel processing subsystem or the specially treated system of newly-built special disposal Third-party payment transaction.Third party
Payment transaction message can be made of general transaction message in row and specific message domain, and Third-party payment transaction passes through in original row
Channel accesses credit card system, and credit card system judges transaction or third in row by the particular content in specific message domain
Square payment transaction.
For example, specific message domain is defined as follows：Message 60.2.5 is sent " 15 " on domain, and message send " 9 ", message on 91 domain
It is sent on 108.5 domains " C ".Wherein, " 15 " is sent to indicate that Third-party payment transaction, credit card system needs are directed on the domains message 60.2.5
This Third-party payment transaction carries out the transformation of flag bit, allows credit card system that can identify this transaction；Message is sent " 9 " on 91 domain
Consumption password is not tested in expression, since Third-party payment is mostly no magnetic without close transaction, so the shape by sending " 9 " on 91 domain of message
Formula, allows holder's not check password when carrying out Third-party payment transaction；" C " is sent to indicate special in row on 108.5 domain of message
Specific Third-party payment transaction accounting-type is distinguished in different channel transaction by sending " C " on 108.5 domain of message.By these by going
The Third-party payment transaction message that interior general transaction is combined with special domain is sent into credit card system, can realize that credit card system connects
Enter third party transaction.
Fig. 3 illustrates a kind of method flow signal of access Third-party payment transaction provided in an embodiment of the present invention
Figure, as shown in figure 3, including the following steps：
S101：Banking system receives the transaction request message that Third-party payment platform is sent；
S102：Banking system generates Third-party payment transaction request message according to transaction request message, and Third-party payment is handed over
Easy request message includes Third-party payment information and transaction message information；
S103：Third-party payment transaction request message is sent to credit card system by banking system through online service integrated platform
The banking channels processing subsystem of system, so that banking channels processing subsystem is according to Third-party payment information processing Third-party payment
Transaction request message；
S104：Credit card system receives the Third-party payment transaction request message that online service integrated platform is sent；
S105：The banking channels processing subsystem of credit card system is according at least to Third-party payment information processing third party's branch
Pay transaction request message；
S106：Banking system receives the Third-party payment transaction response message that online service integrated platform is sent；
S107：Third-party payment transaction response message is sent to Third-party payment platform by banking system.
In S101, banking system receives the transaction request message that Third-party payment platform is sent, in specific implementation, for
The transaction request message that Third-party payment platform is sent, banking system can go selection to receive Third-party payment platform as needed
Which of transaction request message of transmission or which transaction request message, for example, the transaction that Third-party payment platform is sent
There are exchange hour, transaction amount, transaction currency type etc. in request message, and banking system can be selected only to receive and merchandised as needed
Time, transaction currency type two, that is to say the transaction request message that reception Third-party payment platform transmission is determined by banking system,
The pressure of banking system processing data can be reduced in this way, while improving efficiency.In addition, being by which silver in specific implementation
It is that the bank bound by Third-party payment platform determines that row system, which receives the transaction request message that Third-party payment platform is sent,
For example, Third-party payment platform binding be Minsheng bank card, then, Third-party payment platform to Minsheng bank's system send
Transaction request message.
In S102, banking system generates Third-party payment transaction request message, Third-party payment according to transaction request message
Transaction request message includes Third-party payment information and transaction message information, and specifically, banking system is according to Third-party payment
The transaction request message that platform is sent generates Third-party payment transaction request message, wherein Third-party payment transaction request message
Including Third-party payment information and transaction message information, and Third-party payment information includes Third-party payment mark and third party's branch
Pay trading processing requirement.In specific implementation, for example, the consumer sale request message that Third-party payment platform is sent, by department of banking
The consumer sale request message that front end processor is sent according to Third-party payment platform in the row of system generates the according to ISO8583 specifications
Tripartite's payment transaction request message, the Third-party payment transaction request message of generation is in addition to sending common consumer sale message in meeting
Such as exchange hour, transaction amount, transaction currency type, transaction terminal number are outer, also the special domains message such as some flag bits are given to believe in meeting
Breath, such as the domains 60.2.5,91 domains, 108.5 domains in ISO8583 messages, it is in row that these special domain message informations, which are to distinguish,
Transaction or Third-party payment transaction.
In S103, Third-party payment transaction request message is sent to credit card by banking system through online service integrated platform
The banking channels processing subsystem of system, so that banking channels processing subsystem is according to Third-party payment information processing third party's branch
Pay transaction request message.In specific implementation, after banking channels processing subsystem receives Third-party payment transaction request message, meeting
Judgement is transaction message or Third-party payment transaction request message in common row, identifies it is according to Third-party payment
After tripartite's payment transaction request message, processing Third-party payment transaction request report can be required according to Third-party payment trading processing
Text, if " 15 " are sent in Third-party payment transaction request message on the domains 60.2.5, " 9 " are sent on 91 domains, send " C " on 108.5 domains, that
, " 15 " are sent on the domains banking channels processing subsystem 60.2.5, and " 9 " are sent on 91 domains, send " C " information processing message on 108.5 domains,
Third-party payment transaction response message is generated, Third-party payment transaction response message includes exchange hour, transaction amount, transaction coin
Kind, the response message of transaction terminal number, success or failure do not verify bank card password, the transaction book keeping operation of specific Third-party payment
Third-party payment transaction response message is sent to credit card system by type such as consumption type etc., banking channels processing subsystem,
Third-party payment transaction response message is sent to online service integrated platform by credit card system.
In S105, the banking channels processing subsystem of credit card system is according at least to Third-party payment information processing third party
Payment transaction request message.Wherein, Third-party payment information include at least ISO8583 messages in the domains 60.2.5,91 domains,
108.5 domains can also include Third-party payment mark and the requirement of Third-party payment trading processing other than including these information.
In specific implementation, banking channels processing subsystem at least can be according to the domains 60.2.5,91 domains, 108.5 domains in ISO8583 messages
Processing requirement handles Third-party payment transaction request message, if sent on the domains 60.2.5 in Third-party payment transaction request message
" 9 " are sent on " 15 ", 91 domains, send " C " on 108.5 domains, then, third party can be drawn transaction request by banking channels processing subsystem
It is such as consumption type processing that message, which is taken and do not verify bank card password and specific Third-party payment transaction accounting-type,.
In S106, banking system receive online service integrated platform send Third-party payment transaction response message and
In S107, Third-party payment transaction response message is sent to Third-party payment platform by banking system.Wherein, Third-party payment is handed over
Easy response message is that banking channels processing subsystem requires to generate according at least to Third-party payment trading processing；Banking system will
Third-party payment transaction response message is sent to Third-party payment platform.In specific implementation, banking system receives online service collection
After the Third-party payment transaction response message sent at platform, banking system is merchandised according to Third-party payment in response message
Whether exchange hour, transaction amount, transaction currency type, transaction terminal number can uniquely determine out by response message is sent to third party
Payment platform, if it is determined that going out is, then also by the response message of success or failure, do not verify bank card password, specific
Third-party payment transaction accounting-type such as consumption type etc. is sent to Third-party payment platform.
And the flow of specific Third-party payment transaction access is as follows：
1, banking system receives the transaction request message that Third-party payment platform is sent；
2, banking system generates third party's branch according to the transaction request message of reception according to ISO8583 message interface specifications
Pay transaction request message；
3, the Third-party payment transaction request message of generation is sent to credit by banking system through online service integrated platform
The banking channels processing subsystem of card system；
4, banking channels processing subsystem is handed over according to the Third-party payment transaction request message of reception according to Third-party payment
Disposable requirement generates Third-party payment transaction response message, and the Third-party payment of generation transaction response message is transmitted to
Credit card system；
5, the Third-party payment transaction response message of reception is sent to online service integrated platform by credit card system；
6, the Third-party payment transaction response message of reception is sent to banking system by online service integrated platform；
7, Third-party payment transaction response message is sent to Third-party payment platform by banking system.
Technical solution in order to better understand the present invention is introduced with a specific implement scene.It is being washed in a pan with user
The example that is paid on precious website is introduced, and is specifically described as follows：
(1) article has been selected to need to spend 100 yuan in Taobao as user, when clicking confirmation payment, it may appear that
One page i.e. payment details page；(2) at this time, banking system can receive the transaction request of Third-party payment platform transmission
Message, banking system generate Third-party payment transaction request message according to transaction request message, wherein Third-party payment is merchandised
Request message includes third payment information and transaction message information, and third payment information includes Third-party payment mark and third again
Square payment transaction processing requirement, transaction message information include making by oneself in system general transaction message and ISO8583 specifications in row
Adopted specific message the domain such as domains 60.2.5,91 domains, 108.5 domains, and give on the domains 60.2.5 " 15 ", give " 9 ", 108.5 domains on 91 domains
On send " C ", system general transaction message can be system cost transaction message in row in row, when consumer sale message includes transaction
Between, transaction amount, transaction currency type, transaction terminal number etc.；(3) banking system by Third-party payment transaction request message through online clothes
Business integrated platform is sent to the banking channels processing subsystem of credit card system；(4) banking channels processing subsystem is according to third
Square pay mark handles Third-party payment transaction request message to identify according to the requirement of Third-party payment trading processing, also may be used
Can also judge being Third-party payment transaction request message according to " 15 " sent on the domains 60.2.5 in transaction message information
Rather than transaction message in common row；(5) banking channels processing subsystem records this exchange hour, as after
The condition to search problem；Assuming that the bank card payment amount before user is 10000 yuan, 8000 yuan have been consumed, then this
100 yuan of secondary user effort is therefore can to generate the successful response message of consumption in spending limit；Assuming that according to transaction coin
Kind is single currency type, also complies with normal condition；Assuming that transaction terminal number is also the condition for meeting user's normal use；According to 91 domains
On send sent on " 9 " and 108.5 domains " C " generate need not verify bank card password response message and be consumer sale response report
Text；(6) the Third-party payment transaction response message generated in (5) is gone to credit card system by banking channels processing subsystem,
Third-party payment transaction response message is gone to online service integrated platform, online service integrated platform third party by credit card system
Payment transaction response message goes to banking system；(7) Third-party payment transaction response message is sent to third party by banking system
Payment platform；(8) user can see the page in Third-party payment platform successful payment.And realize that clicking confirmation from user pays
There is the process that a page is the page that payment details page sees successful payment to user in money, it is only necessary to which several seconds even shorter
Time.
Increase Third-party payment transaction channel processing subsystem compared with the prior art and generates to Unionpay's data credit card
The system reform is too big or the method for the special system of newly-built a set of special disposal Third-party payment transaction and brings making, O＆M
The extremely expensive problem of cost, technical scheme of the present invention is to the transformation of credit card system and little, by by Third-party payment
Platform is docked with banking system, allow Third-party payment transaction traveling in system channel form complete credit card system access third
The access of square payment transaction, the banking channels processing subsystem only in banking system and credit card system are slightly transformed,
Special domain message is added in banking system only in original general transaction message, increasing identification in banking channels processing subsystem is
Handle bank's general transaction or Third-party payment transaction function and processing Third-party payment transaction processing function, for
Manpower, financial resources cost caused by the transformation that banking channels processing subsystem in banking system and credit card system is made are not
Greatly.
A kind of method of access Third-party payment transaction is provided in the embodiment of the present invention, banking system receives third party's branch
Pay the transaction request message that platform is sent；Banking system generates Third-party payment transaction request message according to transaction request message,
Third-party payment transaction request message includes Third-party payment information and transaction message information；Banking system hands over Third-party payment
Easy request message is sent to the banking channels processing subsystem of credit card system through online service integrated platform, so that banking channels
Processing subsystem is according to Third-party payment information processing Third-party payment transaction request message.By third party in the embodiment of the present invention
Payment platform is docked with banking system, and banking system receives the transaction request message that Third-party payment platform is sent, and passes through
The form of system channel in Third-party payment transaction traveling, banking system is allowed to generate Third-party payment according to transaction request message
Transaction request message, wherein Third-party payment transaction request message includes Third-party payment information and transaction message information；Bank
The banking channels that Third-party payment transaction request message is sent to credit card system by system through online service integrated platform are handled
Subsystem, so that banking channels processing subsystem is according to Third-party payment information processing Third-party payment transaction request message, this
Sample only needs banking system the processing of the transaction request message of reception to can be realized the access that Third-party payment is merchandised, that is,
To the transformation including credit card system, banking system and little, only need banking system to transaction request message carry out processing and
The Third-party payment transaction request message that credit card system docking is received is handled, you can realizes that Unionpay's data credit card system connects
Enter Third-party payment transaction, greatly reduces manpower, financial resources cost.
Based on same idea, a kind of device of access Third-party payment transaction provided in an embodiment of the present invention, such as Fig. 4 institutes
Show, which includes the first transmission unit 201, generation unit 202, processing unit 203.Wherein：
First transmission unit 201：Transaction request message for receiving Third-party payment platform transmission；
Generation unit 202：For according to transaction request message, generating Third-party payment transaction request message, third party's branch
It includes Third-party payment information and transaction message information to pay transaction request message；
Processing unit 203：For Third-party payment transaction request message to be sent to credit through online service integrated platform
The banking channels processing subsystem of card system, so that banking channels processing subsystem is according to Third-party payment information processing third party
Payment transaction request message.
Optionally, Third-party payment information includes Third-party payment mark and the requirement of Third-party payment trading processing.
Optionally, further include：
Receiving unit 204：Third-party payment transaction response message for receiving the transmission of online service integrated platform；Third
Square payment transaction response message is that banking channels processing subsystem requires to generate according at least to Third-party payment trading processing；
Second transmission unit 205：For Third-party payment transaction response message to be sent to Third-party payment platform.
The embodiment of the present invention also provides the device of another access Third-party payment transaction, as shown in figure 5, the device includes
Third transmission unit 301, processing unit 302.Wherein：
Third transmission unit 301：Third-party payment transaction request message for receiving the transmission of online service integrated platform；
Third-party payment transaction request message is that banking system is generated according to the transaction request message that Third-party payment platform is sent, the
Tripartite's payment transaction request message includes Third-party payment information and transaction message information；
Processing unit 302：For according at least to Third-party payment information processing Third-party payment transaction request message.
Optionally, Third-party payment information includes at least the domains 60.2.5,91 domains, 108.5 domains in ISO8583 messages.
It can be seen that from the discussion above：A kind of device of access Third-party payment transaction, silver are provided in the embodiment of the present invention
Row system receives the transaction request message that Third-party payment platform is sent；Banking system generates third according to transaction request message
Square payment transaction request message, Third-party payment transaction request message include Third-party payment information and transaction message information；Silver
Third-party payment transaction request message is sent to through online service integrated platform at the banking channels of credit card system by row system
Subsystem is managed, so that banking channels processing subsystem is according to Third-party payment information processing Third-party payment transaction request message.
Third-party payment platform is docked with banking system in the embodiment of the present invention, banking system receives Third-party payment platform hair
The transaction request message sent, by allowing Third-party payment to merchandise the form of system channel in traveling, banking system asks according to transaction
Message is sought, Third-party payment transaction request message is generated, wherein Third-party payment transaction request message includes Third-party payment letter
Breath and transaction message information；Third-party payment transaction request message is sent to credit by banking system through online service integrated platform
The banking channels processing subsystem of card system, so that banking channels processing subsystem is according to Third-party payment information processing third party
Payment transaction request message only needs banking system that third party's branch can be realized to the processing of the transaction request message of reception in this way
The access of transaction is paid, that is, to the transformation including credit card system, banking system and little, banking system is only needed to ask transaction
The Third-party payment transaction request message that message handle and credit card system docking is received is asked to be handled, you can to realize silver
Join the transaction of data credit card system access Third-party payment, greatly reduces manpower, financial resources cost.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method or computer program product.
Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the present invention
Form.It is deposited moreover, the present invention can be used to can be used in the computer that one or more wherein includes computer usable program code
The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
Formula.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided
Instruct the processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine so that the instruction executed by computer or the processor of other programmable data processing devices is generated for real
The device for the function of being specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that instruction generation stored in the computer readable memory includes referring to
Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device so that count
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, in computer or
The instruction executed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
God and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
Claims (10)
1. a kind of method of access Third-party payment transaction, which is characterized in that including：
Banking system receives the transaction request message that Third-party payment platform is sent；
The banking system generates Third-party payment transaction request message, third party's branch according to the transaction request message
It includes Third-party payment information and transaction message information to pay transaction request message；
The Third-party payment transaction request message is sent to credit card system by the banking system through online service integrated platform
The banking channels processing subsystem of system, so that the banking channels processing subsystem is according to the Third-party payment information processing institute
State Third-party payment transaction request message.
2. the method as described in claim 1, which is characterized in that the Third-party payment information include Third-party payment mark and
The requirement of Third-party payment trading processing.
3. method as claimed in claim 2, which is characterized in that further include：
The banking system receives the Third-party payment transaction response message that the online service integrated platform is sent；The third
Square payment transaction response message is that the banking channels processing subsystem is required according at least to the Third-party payment trading processing
It generates；
Third-party payment transaction response message is sent to the Third-party payment platform by the banking system.
4. a kind of method of access Third-party payment transaction, which is characterized in that including：
Credit card system receives the Third-party payment transaction request message that online service integrated platform is sent；The Third-party payment
Transaction request message is that banking system is generated according to the transaction request message that Third-party payment platform is sent, third party's branch
It includes Third-party payment information and transaction message information to pay transaction request message；
The banking channels processing subsystem of the credit card system is according at least to third described in the Third-party payment information processing
Square payment transaction request message.
5. method as claimed in claim 4, which is characterized in that the Third-party payment information includes at least ISO8583 messages
In the domains 60.2.5,91 domains, 108.5 domains.
6. a kind of device of access Third-party payment transaction, which is characterized in that including：
First transmission unit, the transaction request message for receiving Third-party payment platform transmission；
Generation unit, for according to the transaction request message, generating Third-party payment transaction request message, third party's branch
It includes Third-party payment information and transaction message information to pay transaction request message；
Processing unit, for the Third-party payment transaction request message to be sent to credit card system through online service integrated platform
The banking channels processing subsystem of system, so that the banking channels processing subsystem is according to the Third-party payment information processing institute
State Third-party payment transaction request message.
7. device as claimed in claim 6, which is characterized in that the Third-party payment information include Third-party payment mark and
The requirement of Third-party payment trading processing.
8. device as claimed in claim 7, which is characterized in that further include：
Receiving unit, the Third-party payment transaction response message sent for receiving the online service integrated platform；Described
Tripartite's payment transaction response message is that the banking channels processing subsystem is wanted according at least to the Third-party payment trading processing
It seeks survival；
Second transmission unit, for Third-party payment transaction response message to be sent to the Third-party payment platform.
9. a kind of device of access Third-party payment transaction, which is characterized in that including：
Third transmission unit, the Third-party payment transaction request message for receiving the transmission of online service integrated platform；Described
Tripartite's payment transaction request message is that banking system is generated according to the transaction request message that Third-party payment platform is sent, described
Third-party payment transaction request message includes Third-party payment information and transaction message information；
Processing unit, for according at least to Third-party payment transaction request message described in the Third-party payment information processing.
10. device as claimed in claim 9, which is characterized in that the Third-party payment information includes at least ISO8583 messages
In the domains 60.2.5,91 domains, 108.5 domains.
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| CN201710123729.1A CN108537520B (en) | 2017-03-03 | 2017-03-03 | Method and device for accessing third-party payment transaction |
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| CN201710123729.1A CN108537520B (en) | 2017-03-03 | 2017-03-03 | Method and device for accessing third-party payment transaction |
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| CN108537520B CN108537520B (en) | 2021-06-29 |
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| CN108537520B (en) | 2021-06-29 |
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