CN1753012A - Compatible universal payment system and method - Google Patents
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Abstract
The present invention relates to a compatible universal payment system and its method. Said system includes the following several portions: standard transaction terminal server,intermediate service platform, prefix terminal machine and transaction terminal processor. Said invention also provides the concrete function of every portion, their connection mode, working principle of said system and concrete steps of said method.
Description
Technical field
The present invention relates to the electronic bill payment technology, is a kind of compatible universal payment system and method concretely.
Background technology
The development of e-bank's technology is for condition has been created in the rapid appearance and the renewal of novel financial business kind.The financial service that many users open by bank is paid the fees to enterprises and institutions.Financial service for the personal user, the role of intermediary of economic interaction between individual and enterprises and institutions serves as in bank, provide business processing and clearance clearing service to both sides, majority is the individual to the paying the fees of enterprises and institutions, for example: pay charges for water and electricity, premium of insurance, call rate, tuition fee etc.Before bank whenever opened a financial service, the departments of science and technology of bank all needed to carry out the specific aim exploitation according to the characteristics of new financial business.At present to the software product of personal finance service business, substantially all be the specific aim exploitation that the specific needs of new business demand is carried out.Existing development comprises:
1. channel (foreground, Web bank, telephone bank, self-aided terminal etc. wherein one or more) is initiated in the transaction of determining this business;
2. design this business and initiate specific transmission approach and the transportation protocol of channel to Transaction Information the business processing end (intermediate business platform or other private servers) from transaction.Wherein, according to the particular content of business need, the transmission approach of transportation protocol is divided into: directly transmit or send the business processing end indirectly to by the communication front end processor;
3. design at the business processing end this business transaction information processing program.
The shortcoming that the above-mentioned specific aim to specific transactions is developed is: one, the content of professional requirement objective, transaction initiation mode, data is different with load mode, communication interface, business processing end etc., make traditional specific aim exploitation under the demand that bank activates business rapidly, bring huge development amount; Two, the operation flow of the economic interaction between individual and the enterprises and institutions, clearance clearing scheme have very strong similarity, the exploitation of new business only is to be new content on the particular content, but on whole service logic often to original other professional reprints, be the duplication of labour to a great extent; Three, business development generally will relate to main bank built-in system such as intermediate business platform, communication front end processor etc., transaction initiation mode also has only Web bank, telephone bank, bank's cabinet face etc. at present, the application of specific aim exploitation, main bank built-in system is existed function to repeat in the use and intersects, the resource of these systems is caused waste; Four, class of business is on the increase, and exploitation targetedly can cause the operation of more numerous and diverse fallibility, more difficult program maintenance; Five, initial stage design phase of specific aim exploitation has defined professional one or more initiation channels that adopt, operation phase afterwards is difficult to business expanded to other business and initiates channel, for example, suppose that the initiation mode that a kind of business designs in advance is that the foreground teller of bank initiates, the operation phase behind the service fulfillment is difficult to this professional channel of initiating is expanded to Web bank.
Summary of the invention
For solving the problem that exists in the above-mentioned existing fare payment system, the invention provides a kind of compatible universal payment system and method, make bank found new personal financial business service fast, significantly reduce the development time of system and the complicacy of workload and system maintenance.
For achieving the above object, the invention provides: a kind of compatible universal payment system, it is characterized in that, comprising: intermediate business platform, standard transaction terminal, standard transaction terminal server, transaction terminal, transaction terminal server, communication front end processor; Communications protocol between standard transaction terminal server and intermediate business platform is a standard communication protocol, the direct communication of standard transaction terminal server and intermediate business platform; The transaction terminal server is connected with intermediate business platform by the communication front end processor; The standard transaction terminal is connected with standard transaction terminal server, is used to initiate transaction request; Standard transaction terminal server is used for the transaction request that the standard transaction terminal is initiated directly is sent to intermediate business platform; Transaction terminal is connected with the transaction terminal server, is used to initiate transaction request; The transaction terminal server is used for the transaction request that transaction terminal is initiated is sent to the communication front end processor; The communication front end processor after being used for transaction request carried out protocol translation, is sent to intermediate business platform with transaction request; Intermediate business platform, in be provided with the business flow processing unit, this business flow processing unit carries out business processing according to transaction request, after business processing finished, intermediate business platform returned the transaction results of standard agreement; If transaction request is initiated for the standard transaction terminal, intermediate business platform directly returns transaction results to the service of standard transaction terminal, shows transaction results on the interface of standard transaction terminal; If being transaction terminal, transaction request initiates, transaction results is back to the communication front end processor, the communication front end processor returns transaction results to the transaction terminal server after transaction results is converted to the host-host protocol of corresponding transaction terminal server, shows transaction results on the interface of transaction terminal.
Store the multiple business flow template in the business flow processing unit, be used for intermediate business platform and handle transaction request.
Be provided with transaction code in the transaction request, transaction code is corresponding one by one with business function; Intermediate business platform is according to the operation flow template of storing in the transaction code selection general service flow processing unit.
Intermediate business platform also includes Universal Database, and Universal Database stores the general-purpose service data table, general-purpose service data table management service configuration parameter.
The parameter judging point is set in the operation flow template, when intermediate business platform carries out business processing according to the operation flow template, reads conventional data table in the general service configuration parameter module by the parameter judging point.
Data center's main frame and main frame gateway; Intermediate business platform is connected with the data center main frame by the main frame gateway; The intermediate business platform accounting processing is submitted the accounting processing request by the main frame gateway to data center's main frame.
Third-party server is connected with the communication front end processor by Fire Wall Module; The communication front end processor carries out the communications protocol conversion between third-party server and intermediate business platform.
The conventional data table comprises at least: customer information master-salve table, professional flowing water master-salve table, substitute service admin table, secret key admin table, terminal type admin table, voucher type list.
Mark transaction terminal or transaction terminal are: a kind of in web page browsing device, ATM, telephone set, self-aided terminal, the preceding station terminal.
Mark transaction terminal server or transaction terminal server are: a kind of in Web bank's server, atm server, telephone bank's server, self-aided terminal server, site, the foreground server.
The present invention also provides: a kind of compatible universal fee payment method is characterized in that the communications protocol of standard transaction terminal server and intermediate business platform is set to standard agreement, the direct communication of standard transaction terminal server and intermediate business platform; When the standard transaction terminal was initiated transaction request, transaction request directly was sent to intermediate business platform by the service of standard transaction terminal; When transaction terminal was initiated transaction request, corresponding transaction terminal server sent to the communication front end processor with transaction request, and the communication front end processor is transmitted to intermediate business platform after transaction request is converted to standardization agreement; Business processing is selected to carry out according to transaction request in business flow processing unit in the intermediate business platform; When middle business platform disposes business processing, the result of standard agreement directly is back to the standard trading server, on the interface of mark transaction terminal, show transaction results; The result that perhaps will mark agreement is returned preposition terminating machine, is undertaken returning the transaction terminal processor after the protocol conversion by preposition terminating machine.
The parameter judging point is set in the operation flow template, when intermediate business platform carries out business processing according to the operation flow template, reads conventional data table in the general service configuration parameter module by the parameter judging point.
When transaction request needed accounting processing, intermediate business platform was submitted the accounting processing request by the main frame gateway to data center's main frame.
When carrying out communication between third-party server and intermediate business platform, third-party server is sent to the communication front end processor by fire wall with packet and carries out the communications protocol conversion.
The conventional data table comprises at least: customer information master-salve table, professional flowing water master-salve table, substitute service admin table, secret key admin table, terminal type admin table, voucher type list.
The conventional data table includes universal field, special field and extended field.
Logical business processing template comprises at least: transaction request-reply to third party's inquiry-transaction; Transaction request-main frame accounting processing-reply to third party's notice-transaction; Transaction request-intermediary service data base querying-transaction is replied; Transaction request-reply to host query-transaction; Transaction request-reply to third party's inquiry-main frame accounting processing-transaction.
Beneficial effect of the present invention is, need not program development or only need seldom exploitation, only by template is configured, Added Business record in several service allocation lists, Added Business control information in table is set, configure the field contents distribution preposition, just can make bank found new personal financial business service fast, significantly reduce development time and workload and maintenance complexity with communication.
Description of drawings
Figure 1 shows that system architecture key diagram of the present invention;
Figure 2 shows that data transmission of the present invention moves towards figure;
Figure 3 shows that the processing flow chart of operation flow template of the present invention.
Embodiment
By embodiment, be described with reference to the accompanying drawings implementation process of the present invention.
As shown in Figure 1, compatible universal payment system of the present invention can be divided into bank core disposal system, peripheral system, communication assisted class system.Core banking system comprises: data center's main frame, intermediate business platform.Peripheral system comprises: Web bank's server, atm server, telephone bank's server, self-aided terminal server, site, foreground server; Web page browsing device, ATM, telephone set, self-aided terminal, preceding station terminal; Peripheral system mainly provides man machine operation interface, is the initiation channel of transaction request.Communication assisted class system has: communication front end processor, universal gateway.The center of total system is intermediate business platform and communication front end processor; The communication front end processor is the server of the conversion of special disposal communications protocol, message format conversion, communication resources management, is the transport hub of compatible universal payment system; Can realize conversion to variety of protocol, message; Intermediate business platform is a business processing end unique, core, is business processing center and master control center, and the All Activity request focuses on by intermediate business platform and handles.
As shown in Figure 1, in the present embodiment, the terminal of site, foreground is the standard transaction terminal, and the terminal server of site, foreground is a standard transaction terminal server; The terminal server and the communications protocol between intermediate business platform of site, foreground are set to the standard communications protocol, with the direct communication of intermediate business platform.
And in the peripheral system other is used to initiate the terminal of transaction request, as telephone set, web browser, ATM, is transaction terminal; The transaction terminal corresponding server is the transaction terminal server as the self-aided terminal of telephone bank's server, Internet banking device, preposition forwarding server and bank.
Having nothing in common with each other though initiate the terminal of transaction request, is consistent with the field in a kind of Content of communciation of transaction request.The standard transaction terminal, both preceding station terminal, the transaction request of initiation directly sends to intermediate business platform by site, foreground server.The transaction request that other transaction terminal is initiated, because the form difference of the agreement of using, be to send to the communication front end processor by the pairing server of transaction terminal of initiating transaction request, after the transportation protocol that transaction terminal uses is converted to standard agreement, transaction request is sent to intermediate business platform submits to.Thereby reach the compatibility that each peripheral system is initiated transaction request.During transaction results that intermediate business platform returns, also the approach of uploading according to transaction request returns transaction results, transaction results is sent to site, foreground server or communication front end processor, be converted to the different agreement form by the communication front end processor and return to other peripheral system, finally on the interface of the terminal of initiating transaction request, show transaction results.
Intermediate business platform is the inner specialized on-line transaction disposal system of bank, platform properties such as the control of transaction concurrent control, transaction data consistance, transaction abnormality processing and error message feedback are provided, and with subsidiary functions such as data center main frame reconciliation, generation form.
The general service flow processing unit that is provided with in the intermediate business platform stores a plurality of operation flow templates, and each operation flow template is the program that a cover is handled the general service treatment scheme, and the transaction request of standard agreement form is handled.If comprise the processing of account in the business processing, then submit the accounting processing request to by universal gateway and data center's communication by intermediate business platform.If the success of data center host process then returns success message to intermediate business platform, intermediate business platform by the communication front end processor can also with third-party server communication, transmission Transaction Information; If the host process failure, and be system mistake, then data center's main frame initiates just dashing of this transaction asked automatically, to keep the data consistency of intermediate business platform and data center's main frame.Just also system mistake occurs if dash, then this transaction to be changed to unusual transaction, to stay when carrying out unified abnormality processing every night and solve.
The main frame gateway can be universal gateway (COMMON GATEWAY SYSTEM), is an intermediary that comprises branch bank's server and data center's host communication of intermediate business platform, is specifically designed to handle the unit that intermediate business platform is communicated by letter with data center.
Figure 2 shows that in a kind of compatible universal payment system of one embodiment of the invention that the conceptual data transmission trend of process is carried out in transaction.Because the communications protocol of preceding station server and intermediate business platform is set to standard agreement, as shown in Figure 2, preceding station server can be directly and the intermediate business platform communication, and transaction request is sent to intermediate business platform.The transaction terminal of other peripheral system, as phone, when note is initiated transaction request, corresponding private server judges as telephone bank's server, note receiving platform server whether the transaction request that transaction terminal sends over meets basic format, logic requirement condition.By the transaction terminal server transaction request is sent to the communication front end processor, after the communication front end processor is converted to standardization agreement, be transmitted to intermediate business platform.
Intermediate business platform is selected to carry out the general service processing template with transaction code corresponding service processing template according to the transaction code in the transaction request.For example: the business processing template comprises: transaction request one is replied to third party's inquiry-transaction; Transaction request-main frame accounting processing-reply to third party's notice-transaction; Transaction request-intermediary service data base querying-transaction is replied; Transaction request-reply to host query-transaction; Transaction request-reply or the like to third party's inquiry-main frame accounting processing-transaction ...
The Several Parameters judging point is all arranged in the program of each general service treatment scheme, in the Universal Database of each parameter judging point from middle business platform, read the business configuration parameter, according to parameter that reads and Transaction Information, control business processing content and flow process trend.After disposing by transaction flow, the also approach passback transaction results of uploading according to transaction request.If the transaction request that site, foreground terminal is initiated then directly is back to the foreground terminal server with transaction results.If the transaction request that other transaction terminal is initiated, then transaction results is sent the communication front end processor, after by the communication front end processor transaction results being converted to the different agreement form, returning to each pairing server of other transaction terminal again, and on the interface of transaction terminal, show transaction results.
Common treatment flow scheme design in the common treatment flow process unit of intermediate business platform is another important component part that native system is realized.By the typical process that comprehensive summary personal financial business is handled, design has realized several general treatment schemees.The transaction request of initiating when peripheral system directly or after the conversion of communication front end processor, is issued intermediate business platform with transaction request.In standard format transaction request communication bag, the fixing transaction code field that comprises, transaction code is corresponding one by one with business function, and intermediate business platform selects therewith transaction request corresponding service flow template to handle according to transaction code.The operation flow template can be divided into by function: system management class (for example: transaction etc. is safeguarded in substitute service maintenance of information transaction, transaction control information), customer account management class are (for example: the customer profile information management), online service class (for example: pay the fees information trading, the transaction of paying the fees, inquiry transaction details, complement invoice of inquiry concluded the business) etc.The common treatment flow process comprises by the structure of treatment scheme: local data library inquiry or renewal, third party's inquiry or renewal, host query or renewal, and the combination of above three kinds of structures, for example local data library inquiry-host process-third party's communication.
The general service processing template is exactly a general service handling procedure, in the program of a generalized flowsheet, a plurality of parameter judging points are set, the parameter judging point is actual to be exactly from the service configuration information table of middle service platform database, read business control information, in conjunction with the value of the Transaction Information that comprises in the transaction request, come the control flow trend, the actual content of determining deal and handling.
For example, when the user paid the mobile phone rate transaction by telephone bank, its data trend is: the client logined phone, input handset number, the amount of money of paying dues, payment cipher.
When using telephone set, the user initiates to pay the transaction request of mobile phone rate, telephone bank's server is preliminary judges that whether effectively the request of paying the fees after (for example: judge whether phone number length is correct), transaction request communication bag sends to the communication front end processor paying the fees, after carrying out the standard agreement format conversion, be forwarded to intermediate business platform again.Intermediate business platform is according to transaction code in the communication bag, select the operation flow template of " transaction request-host process-third party's communication-transaction is replied ", carrying out customer accounting code by data center's main frame on commmunication company's substitute service information transfers with the amount of money of paying dues that moves, the success if pay the fees then initiate third party's communication with commmunication company, notice change telephone expenses remaining sum.Pay the fees after the success, intermediate business platform is replied the affirmation communication bag of the success of paying dues to the communication front end processor, through the conversion of communication front end processor, is transmitted to telephone bank's server, notifies the user to pay dues successfully by voice suggestion, whole closing the transaction.
Figure 3 shows that the processing flow chart of operation flow template of the present invention, is example with the pay the fees transaction request of information of inquiry commmunication company, and the data handling procedure of operation flow template is described.
After intermediate business platform is received the transaction request of transmitting from foreground or communication front end processor, value according to transaction code in the transaction request bag is still called " transaction request-main frame accounting processing-third party's communication-transaction is replied " template, each field value of the program split transactions request package of the corresponding business processing flow of this template is according to the value of substitute service coding in the bag.Operation code is the internal registration number of the external financial service of bank, according to operation code can search corresponding Bank Account Number, act on behalf of organization, whether the mode that keeps accounts, service time, service start, allow detailed business information such as peripheral type.
The parameter judging point reads service configuration information in the substitute service information table according to operation code in Universal Database, find the substitute service information corresponding service configuration information of this substitute service coding and mobile service.This substitute service information comprises: necessary informations such as service fulfillment state, enterprise account, business hours.
As shown in Figure 3, according to service configuration information, the parameter judging point judges whether mobile service is in opening state, the current processing time that whether is in mobile service, if pass through, the parameter judging point continues to read the content of terminal type control table from database, value according to the peripheral type of the transaction of the initiation in the transaction bag, judge whether this flow process receives the peripheral transaction request of initiating of the type, except the terminal type field indicated the initial source of transaction, intermediate business platform did not add differentiation to the initial source of transaction request.For example, do not inquire about the information trading of paying the fees if self-aided terminal is opened as yet, then flow process is returned this peripheral terminal and is not allowed this transaction.When the transaction terminal type checking passed through, the parameter judging point judged according to service configuration information whether this business allows nonregistered user to carry out inquiry; If allow nonregistered user to carry out inquiry, the communication front end processor is initiated query requests to Mobile Server; Do not allow nonregistered user to carry out inquiry, check this user's registration scenarios in the customer information master-salve table of parameter judging point from Universal Database, according to user number in the transaction request (in the mobile service, user number is a phone number) value and the operation code of mobile service, the log-on message of this mobile client of inquiry in general customer information table, if registration is normal, initiate query requests to Mobile Server through the communication front end processor; When middle business platform is received the mobile square inquiry response information of returning by the communication front end processor after, return Query Result to corresponding server.
For realizing the versatility of general service flow template, needed name variable all has logical justice in each common treatment flow process, and reserve some reserved fields, for example: user number both can be represented cell-phone number, also can represent coal gas number, CATV (cable television) numbering or the like.
Different business processing, the data field content has a great difference, but also has a lot of universal field.On intermediate business platform, in the Universal Database, create out general database table, use jointly for all business processing by comprehensive summary universal field.Be that the present invention realizes that general another of the multiple application of disposable exploitation mainly designs main points.At first will take out the database model that extensively is suitable for, promptly summarizing needs which business datum table and parameter configuration table, and for example: the customer information master meter is from table, professional flowing water master meter is from table, substitute service admin table, key management table, the terminal type admin table, voucher type list or the like.Next takes out each table needs for which field, and for guaranteeing versatility, the design of field should be considered complete, notes the logical justice of sub-name section, keeps certain redundant field again, stays sufficient extending space to give each business.Last host process, third party's communication, just dashing, abnormality processing result etc. can be provided with corresponding sign in the Business Stream water meter, design has the attribute field of corresponding stateful transaction in the Business Stream water meter, be used to write down the state that main frame, third party etc. handle, for example represent successfully 1 expression failure etc. with 0.
Beneficial effect of the present invention is, need not program development or only needs seldom exploitation, only by right Template is configured, and inserts statement Added Business record in several service allocation lists with database, is arranging Added Business control information in the table by communication front-end processor system collocation method easy to use, configures with logical The field contents of news front end processor distributes, and just can make bank found fast new personal financial business service, and is big Big development time and workload and the maintenance complexity of reducing.
Claims (22)
1, a kind of compatible universal payment system is characterized in that, comprising: intermediate business platform, standard transaction terminal, standard transaction terminal server, transaction terminal, transaction terminal server, communication front end processor;
Communications protocol between standard transaction terminal server and intermediate business platform is a standard communication protocol, the direct communication of standard transaction terminal server and intermediate business platform; The transaction terminal server is connected with intermediate business platform by the communication front end processor;
The standard transaction terminal is connected with standard transaction terminal server, is used to initiate transaction request;
Standard transaction terminal server is used for the transaction request that the standard transaction terminal is initiated directly is sent to intermediate business platform;
Transaction terminal is connected with the transaction terminal server, is used to initiate transaction request;
The transaction terminal server is used for the transaction request that transaction terminal is initiated is sent to the communication front end processor;
The communication front end processor after being used for transaction request carried out protocol translation, is sent to intermediate business platform with transaction request;
Intermediate business platform, in be provided with the business flow processing unit, this business flow processing unit carries out business processing according to transaction request, after business processing finished, intermediate business platform returned the transaction results of standard agreement; If transaction request is initiated for the standard transaction terminal, intermediate business platform directly returns transaction results to the service of standard transaction terminal, shows transaction results on the interface of standard transaction terminal; If being transaction terminal, transaction request initiates, transaction results is back to the communication front end processor, the communication front end processor returns transaction results to the transaction terminal server after transaction results is converted to the host-host protocol of corresponding transaction terminal server, shows transaction results on the interface of transaction terminal.
2, compatible universal payment system according to claim 1 is characterized in that, stores the multiple business flow template in the business flow processing unit, is used for intermediate business platform and handles transaction request.
3, compatible universal payment system according to claim 2 is characterized in that, is provided with transaction code in the transaction request, and transaction code is corresponding one by one with business function; Intermediate business platform is according to the operation flow template of storing in the transaction code selection general service flow processing unit.
4, compatible universal payment system according to claim 1 is characterized in that, intermediate business platform also includes Universal Database, and Universal Database stores the general-purpose service data table, general-purpose service data table management service configuration parameter.
5, according to claim 3 or 4 described compatible universal payment systems, it is characterized in that, the parameter judging point is set in the operation flow template, when intermediate business platform carries out business processing according to the operation flow template, reads conventional data table in the general service configuration parameter module by the parameter judging point.
6, compatible universal payment system according to claim 1 is characterized in that also comprising: data center's main frame and main frame gateway; Intermediate business platform is connected with the data center main frame by the main frame gateway; The intermediate business platform accounting processing is submitted the accounting processing request by the main frame gateway to data center's main frame.
7, compatible universal payment system according to claim 1 is characterized in that, also comprises: third-party server is connected with the communication front end processor by Fire Wall Module; The communication front end processor carries out the communications protocol conversion between third-party server and intermediate business platform.
8, compatible universal payment system according to claim 5 is characterized in that, the conventional data table comprises at least: customer information master-salve table, professional flowing water master-salve table, substitute service admin table, secret key admin table, terminal type admin table, voucher type list.
9, compatible universal payment system according to claim 1 is characterized in that, mark transaction terminal or transaction terminal are: a kind of in web page browsing device, ATM, telephone set, self-aided terminal, the preceding station terminal.
10, compatible universal payment system according to claim 1, it is characterized in that mark transaction terminal server or transaction terminal server are: a kind of in Web bank's server, atm server, telephone bank's server, self-aided terminal server, site, the foreground server.
11, a kind of compatible universal fee payment method is characterized in that,
The communications protocol of standard transaction terminal server and intermediate business platform is set to standard agreement, the direct communication of standard transaction terminal server and intermediate business platform;
When the standard transaction terminal was initiated transaction request, transaction request directly was sent to intermediate business platform by the service of standard transaction terminal; When transaction terminal was initiated transaction request, corresponding transaction terminal server sent to the communication front end processor with transaction request, and the communication front end processor is transmitted to intermediate business platform after transaction request is converted to standardization agreement;
Business processing is selected to carry out according to transaction request in business flow processing unit in the intermediate business platform;
When middle business platform disposes business processing, the result of standard agreement directly is back to the standard trading server, on the interface of mark transaction terminal, show transaction results; The result that perhaps will mark agreement is returned preposition terminating machine, is undertaken returning the transaction terminal processor after the protocol conversion by preposition terminating machine.
12, compatible universal fee payment method according to claim 11 is characterized in that, stores the multiple business flow template in the business flow processing unit, is used for intermediate business platform and handles transaction request.
13, compatible universal fee payment method according to claim 12 is characterized in that, is provided with transaction code in the transaction request, and transaction code is corresponding one by one with business function; Intermediate business platform is according to the operation flow template of storing in the transaction code selection general service flow processing unit.
14, compatible universal fee payment method according to claim 11 is characterized in that, intermediate business platform also includes Universal Database, and Universal Database stores the general-purpose service data table, general-purpose service data table management service configuration parameter.
15, according to claim 13 or 14 described compatible universal fee payment methods, it is characterized in that, the parameter judging point is set in the operation flow template, when intermediate business platform carries out business processing according to the operation flow template, reads conventional data table in the general service configuration parameter module by the parameter judging point.
16, compatible universal fee payment method according to claim 11 is characterized in that also comprising: when transaction request needed accounting processing, intermediate business platform was submitted the accounting processing request by the main frame gateway to data center's main frame.
17, compatible universal fee payment method according to claim 11, it is characterized in that, also comprise: when carrying out communication between third-party server and intermediate business platform, third-party server is sent to the communication front end processor by fire wall with packet and carries out the communications protocol conversion.
18, compatible universal fee payment method according to claim 15, it is characterized in that the conventional data table comprises at least: customer information master-salve table, professional flowing water master-salve table, substitute service admin table, secret key admin table, terminal type admin table, voucher type list.
19, compatible universal fee payment method according to claim 11 is characterized in that, mark transaction terminal or transaction terminal are: a kind of in web page browsing device, ATM, telephone set, self-aided terminal, the preceding station terminal.
20, compatible universal fee payment method according to claim 11, it is characterized in that mark transaction terminal server or transaction terminal server are: a kind of in Web bank's server, atm server, telephone bank's server, self-aided terminal server, site, the foreground server.
21, compatible universal fee payment method according to claim 11 is characterized in that, the conventional data table includes universal field, special field and extended field.
22, compatible universal fee payment method according to claim 12 is characterized in that, logical business processing template comprises at least: transaction request-reply to third party's inquiry-transaction; Transaction request-main frame accounting processing-reply to third party's notice-transaction; Transaction request-intermediary service data base querying-transaction is replied; Transaction request-reply to host query-transaction; Transaction request-reply to third party's inquiry-main frame accounting processing-transaction.
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