WO2014183484A1 - Multi-account management and payment method - Google Patents

Multi-account management and payment method Download PDF

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Publication number
WO2014183484A1
WO2014183484A1 PCT/CN2014/071346 CN2014071346W WO2014183484A1 WO 2014183484 A1 WO2014183484 A1 WO 2014183484A1 CN 2014071346 W CN2014071346 W CN 2014071346W WO 2014183484 A1 WO2014183484 A1 WO 2014183484A1
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WIPO (PCT)
Prior art keywords
transaction
payment
message
bank
account management
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PCT/CN2014/071346
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French (fr)
Chinese (zh)
Inventor
熊强
李家琦
潘林
梁光瑞
吴林燕
刘辉
Original Assignee
深圳市淘淘谷信息技术有限公司
深圳市银联金融网络有限公司
深圳市智惠付信息技术有限公司
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Publication of WO2014183484A1 publication Critical patent/WO2014183484A1/en

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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
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

Definitions

  • the present invention relates to the field of offline payment for bank accounts, and more particularly to a multi-account management payment system.
  • FIG. 1 it is a schematic diagram of a current common non-bank account payment.
  • Both offline merchant 1 and offline merchant 2 have RMB POS terminals, which are used to accept bank card consumption.
  • the offline merchant 1 has a point terminal placed by a bank, which is dedicated to accepting the point consumption transaction of the bank.
  • the offline merchant 2 has a point terminal placed by an operator, which is dedicated to accepting points redemption gift transactions.
  • the object of the present invention is to provide a multi-account management payment method, which realizes the priority and authorization by managing and unifying all non-bank accounts.
  • the bank account order is paid in order.
  • the multi-account management payment method of the present invention is implemented by the following steps:
  • the method is realized by a multi-account management payment system consisting of a database subsystem, a transaction processing subsystem, a clearing processing subsystem, a management subsystem, a protocol processing subsystem and a payment interface subsystem, and the database subsystem and transaction processing in the system
  • the subsystem, the clearing processing subsystem, the management subsystem, the protocol processing subsystem, and the payment interface subsystem establish communication links through the data bus, and the transaction processing subsystem is input through the network controller and the consumption request.
  • the POS terminal establishes a communication link, and the payment interface subsystem connects the bank account management payment system CUPS through the financial intranet dedicated line.
  • the payment interface subsystem simultaneously connects a plurality of non-bank account management payment systems through a dedicated line, wherein the method is implemented by the following steps:
  • Non-bank account management payment system authorized multi-account management payment system uses non-bank accounts managed by the system:
  • the non-bank account management payment system forms a contract request message, and sends a message with a signature and a key to the protocol processing subsystem in the multi-account management payment system:
  • the protocol processing subsystem in the multi-account management payment system receives the subscription request message of the non-bank account management payment system, and saves the message to the authorization protocol library table of the database subsystem:
  • the protocol processing subsystem in the multi-account management payment system performs protocol check on the step (4) subscription request message, checks whether the format of the subscription request message is correct, and whether the signature is correct. If not, the processing status of the protocol is set in the database. In case of failure, the group signing failure receipt receipt message is sent to the non-bank account management payment system, and the non-bank account management payment system displays the signing failure to the cardholder, and ends the process. If it is correct, after the agreement check is passed, the database is processed. The status is successful, the group signing successful return receipt message is sent to the non-bank account management payment system, and the non-bank account management payment system displays the signing success to the cardholder, and ends the agreement check process:
  • the cardholder enters the bank card password through the POS terminal and enters the bank card password.
  • POS The terminal assembles the POS message with the bank card number, the consumption amount, and the encrypted bank card password to be sent to the listening port of the payment processing subsystem in the multi-account management payment system via the network controller:
  • the payment processing subsystem in the multi-account management payment system receives the transaction message in step (7), checks whether the message format is correct, whether the security code is correct, whether the message has been tampered with, and checks whether the transaction request conforms to the business rule. Check, if the message check fails, the payment processing system sets the transaction status of the transaction in the database to failure, the group failure receipt message is sent to the network controller, and the network controller forwards the failure receipt message to The POS terminal displays the transaction failure information and ends the process. If the message is checked, go to the next step:
  • the payment processing subsystem in the multi-account management payment system searches the non-bank account set authorized by the bank account from the authorization protocol library table of the database according to the bank account number, and searches the business rule for the non-bank account that can be used according to the merchant number.
  • the bank account collection, the intersection of the above two non-bank account sets is the set of non-bank accounts that the transaction can use:
  • step (13) If the transaction has non-bank accounts available, then the payment interface is sent to the corresponding non-bank account management payment system in the order of account priority, otherwise, the process proceeds to step (13).
  • the payment processing subsystem in the multi-account management payment system receives the consumer receipt message of the non-bank account management payment system, and the merchant number, the terminal number, the batch number, and the system tracking number in the message are in the transaction table of the database. Find the original transaction:
  • the payment processing subsystem in the multi-account management payment system determines the processing result of the non-bank account management payment system consumption receipt message. If the non-bank account is sufficient to pay the transaction, the processing status of the transaction in the modified transaction table is The processing succeeded. The group successfully received the packet. Fill in the payment details of the non-bank account in the remarks field of the message, and send the successful return receipt message to the network controller. The network controller forwards the message to the POS terminal. POS terminal at POS The consumption result is printed on the shopping receipt, wherein the small ticket remark column prints the payment details of the non-bank account, and the process ends. Otherwise, the non-bank account management payment is not enough, and the step (10) is repeated:
  • the payment processing subsystem in the multi-account management payment system uses the remaining to-be-paid amount to continue to send the consumption message to the bank account management payment system through the payment interface subsystem, and the message includes the POS
  • the encrypted bank card password in the terminal message :
  • the payment processing subsystem in the multi-account management payment system receives the consumer receipt message of the bank card management payment system, and the merchant number, the terminal number, the batch number, and the system tracking number in the message are in the transaction table of the database. Find the original transaction:
  • the payment processing subsystem in the multi-account management payment system judges the processing result of the bank account management payment system consumption receipt message. If the bank card payment is successful, the processing status of the transaction in the modified transaction table is processed successfully, and the group succeeds. Return receipt Fill in the payment details of the non-bank account in the remarks field of the message, and send the successful return receipt message to the network controller.
  • the network controller forwards the message receipt to the POS terminal, and the POS terminal is at the POS.
  • the consumption result is printed on the shopping receipt, wherein the small ticket remark column prints the payment details of the non-bank account, and the process ends.
  • the non-bank account payment details in the consumption message are sent to the corresponding non-bank account management payment system through the payment interface subsystem, and the non-bank account management payment system returns the deducted amount to the cancellation request.
  • the original non-bank account after sending the revocation message, sends a consumption failure receipt message to the network controller, and the network controller forwards the message receipt to The POS terminal, the POS terminal displays the transaction failure information, and ends the transaction process:
  • the clearing processing subsystem performs the reconciliation according to the following non-bank accounts and bank account payment details involved in the same consumer transaction:
  • the management subsystem shall calculate the clearing funds paid by the bank card management payment system, the clearing funds paid by the non-bank card management payment system, the transaction fees receivable, and the merchants payable according to the reconciliation results. Clearing funds, multi-party settlement is implemented by the payment interface subsystem.
  • the new multi-account management payment system does not need to change the transaction processing to improve the system robustness.
  • the merchant terminal does not need to add new equipment or make too many changes to reduce the deployment cost
  • FIG. 1 is a schematic diagram of a non-bank account payment process in the prior art.
  • FIG. 2 is a schematic flow chart of a multi-account management payment method according to the present invention.
  • Figure 3 is a schematic diagram showing the hardware structure of the system of the present invention.
  • Figure 4 is a system architecture diagram of the present invention.
  • Figure 5 is a flow chart of the processing of the protocol processing subsystem of the present invention.
  • FIG. 6 is a process flow diagram of the payment processing subsystem of the present invention.
  • Figure 7 is a flow chart of the reconciliation processing of the clearing processing subsystem of the present invention.
  • a multi-account management payment method is provided by means of a multi-account management consisting of: a database subsystem, a transaction processing subsystem, a clearing processing subsystem, a management subsystem, a protocol processing subsystem, and a payment interface subsystem.
  • the payment system is realized.
  • the database subsystem, the transaction processing subsystem, the clearing processing subsystem, the management subsystem, the protocol processing subsystem and the payment interface subsystem establish communication links through the data bus, and the transaction processing subsystem is controlled by the network controller and consumption.
  • Request input The POS terminal establishes a communication link, and the payment interface subsystem connects the bank account management payment system CUPS through the financial intranet dedicated line.
  • the payment interface subsystem simultaneously connects a plurality of non-bank account management payment systems through a dedicated line, wherein the method is implemented by the following steps:
  • Non-bank account management payment system authorized multi-account management payment system uses non-bank accounts managed by the system:
  • the non-bank account management payment system forms a contract request message, and sends a message with a signature and a key to the protocol processing subsystem in the multi-account management payment system:
  • the protocol processing subsystem in the multi-account management payment system receives the subscription request message of the non-bank account management payment system, and saves the message to the authorization protocol library table of the database subsystem:
  • the protocol processing subsystem in the multi-account management payment system performs protocol check on the step (4) subscription request message, checks whether the format of the subscription request message is correct, and whether the signature is correct. If not, the processing status of the protocol is set in the database. In case of failure, the group signing failure receipt receipt message is sent to the non-bank account management payment system, and the non-bank account management payment system displays the signing failure to the cardholder, and ends the process. If it is correct, after the agreement check is passed, the database is processed. The status is successful, the group signing successful return receipt message is sent to the non-bank account management payment system, and the non-bank account management payment system displays the signing success to the cardholder, and ends the agreement check process:
  • the cardholder enters the bank card password through the POS terminal and enters the bank card password.
  • POS The terminal assembles the POS message with the bank card number, the consumption amount, and the encrypted bank card password to be sent to the listening port of the payment processing subsystem in the multi-account management payment system via the network controller:
  • the payment processing subsystem in the multi-account management payment system receives the transaction message in step (7), checks whether the message format is correct, whether the security code is correct, whether the message has been tampered with, and checks whether the transaction request conforms to the business rule. Check, if the message check fails, the payment processing system sets the transaction status of the transaction in the database to failure, the group failure receipt message is sent to the network controller, and the network controller forwards the failure receipt message to The POS terminal displays the transaction failure information and ends the process. If the message is checked, go to the next step:
  • the payment processing subsystem in the multi-account management payment system searches the non-bank account set authorized by the bank account from the authorization protocol library table of the database according to the bank account number, and searches the business rule for the non-bank account that can be used according to the merchant number.
  • the bank account collection, the intersection of the above two non-bank account sets is the set of non-bank accounts that the transaction can use:
  • step (13) If the transaction has non-bank accounts available, then the payment interface is sent to the corresponding non-bank account management payment system in the order of account priority, otherwise, the process proceeds to step (13).
  • the payment processing subsystem in the multi-account management payment system receives the consumer receipt message of the non-bank account management payment system, and the merchant number, the terminal number, the batch number, and the system tracking number in the message are in the transaction table of the database. Find the original transaction:
  • the payment processing subsystem in the multi-account management payment system determines the processing result of the non-bank account management payment system consumption receipt message. If the non-bank account is sufficient to pay the transaction, the processing status of the transaction in the modified transaction table is The processing succeeded. The group successfully received the packet. Fill in the payment details of the non-bank account in the remarks field of the message, and send the successful return receipt message to the network controller. The network controller forwards the message to the POS terminal. POS terminal at POS The consumption result is printed on the shopping receipt, wherein the small ticket remark column prints the payment details of the non-bank account, and the process ends. Otherwise, the non-bank account management payment is not enough, and the step (10) is repeated:
  • the payment processing subsystem in the multi-account management payment system uses the remaining to-be-paid amount to continue to send the consumption message to the bank account management payment system through the payment interface subsystem, and the message includes the POS
  • the encrypted bank card password in the terminal message :
  • the payment processing subsystem in the multi-account management payment system receives the consumer receipt message of the bank card management payment system, and the merchant number, the terminal number, the batch number, and the system tracking number in the message are in the transaction table of the database. Find the original transaction:
  • the payment processing subsystem in the multi-account management payment system judges the processing result of the bank account management payment system consumption receipt message. If the bank card payment is successful, the processing status of the transaction in the modified transaction table is processed successfully, and the group succeeds. Return receipt Fill in the payment details of the non-bank account in the remarks field of the message, and send the successful return receipt message to the network controller.
  • the network controller forwards the message receipt to the POS terminal, and the POS terminal is at the POS.
  • the consumption result is printed on the shopping receipt, wherein the small ticket remark column prints the payment details of the non-bank account, and the process ends.
  • the non-bank account payment details in the consumption message are sent to the corresponding non-bank account management payment system through the payment interface subsystem, and the non-bank account management payment system returns the deducted amount to the cancellation request.
  • the original non-bank account after sending the revocation message, sends a consumption failure receipt message to the network controller, and the network controller forwards the message receipt to The POS terminal, the POS terminal displays the transaction failure information, and ends the transaction process:
  • the clearing processing subsystem performs the reconciliation according to the following non-bank accounts and bank account payment details involved in the same consumer transaction:
  • B Compare the bank card payment account details and reconciliation details to determine the final status of the bank card transaction. Scan the reconciliation schedule, find the transaction in the transaction table according to the merchant number, terminal number, batch number, and system tracking number. If the transaction element can be found and the transaction element is the same as the card number and the amount, set the reconciliation status of the transaction. For 'reconciliation success'; if it can be found but the transaction elements such as card number and amount are inconsistent, set the reconciliation status of the transaction to 'reconciliation failure', the transaction will not participate in fund clearing:
  • the management subsystem shall calculate the clearing funds paid by the bank card management payment system, the clearing funds paid by the non-bank card management payment system, the transaction fees receivable, and the merchants payable according to the reconciliation results. Clearing funds, multi-party settlement is implemented by the payment interface subsystem.
  • the total transaction cost is 200 Yuan, able to use a carrier credit and a bank card credit.
  • an expired consumption instruction with an amount of 200 yuan is sent to an operator's points system, and the operator's points system returns a real deduction 50, and the remaining amount to be paid is 150.
  • an overdue consumption instruction with an amount of 150 yuan is sent to a bank card credit system, and the bank card credit system returns a real deduction of 100, and the remaining amount to be paid is 50.
  • a payment instruction of 50 is sent to the bank card payment system, and the last 50 yuan payment is completed.
  • the hardware configuration of the system includes: an application server, a database server, and a management server, a total of three servers, and a tamper and a set of disk array storage devices.
  • the application server and the database server are hot standby and share the disk array storage.
  • the database system is deployed on the database server, and the transaction processing subsystem, the clearing processing subsystem, the payment interface subsystem, and the protocol processing subsystem are deployed on the application server, and the management subsystem is deployed on the management server.
  • the multi-account management payment system includes: a database system, a transaction processing subsystem, a clearing processing subsystem, a management subsystem, and a payment interface subsystem.
  • POS The terminal interacts with the transaction processing subsystem through the network controller, and the payment interface subsystem connects to the UnionPay CUPS through the financial intranet dedicated line.
  • the payment interface subsystem connects the non-bank account management payment system through a dedicated line, such as a bank card credit system, an operator credit system, a coupon account system, and the like.
  • the processing flow of the protocol processing subsystem is shown in FIG. 5.
  • FIG. 6 the processing flow of the processing subsystem is referred to FIG. 6.
  • the payment interface subsystem performs message conversion between the universal account payment interface and the bank account system interface and the non-bank account system interface.
  • the universal account payment interface includes a balance inquiry message interface, a refill message interface, a consumption message interface, and a consumption revocation message interface.
  • the function of the clearing subsystem is to perform reconciliation with the bank account management payment system, non-bank account management payment system reconciliation, transaction fund calculation, account fee calculation, merchant fee calculation, error transaction processing, and the like.
  • the functions of the management subsystem are merchant terminal management, terminal key management, account fee rate management, merchant fee rate management, non-bank account system routing parameter configuration, non-bank account system priority management, and other business rule management.

Abstract

Disclosed is a multi-account management and payment method, which solves the technical problem of too many non-bank accounts being inconvenient to use. The present invention adopts the establishment of a multi-account management and payment system, the system establishes a connection with a plurality of non-bank accounts and bank accounts, so as to achieve the management of all the non-bank accounts and the uniform sequential payment management according to the set priority and the authorized bank account sequence. The beneficial effects of the present invention are: management and payment are convenient, and at the same time, the consumable balance in all the non-bank accounts are given priority, thereby solving the problem that the usage scenario, range and consumption limit of the non-bank accounts are limited. The merchant clearing is conducted uniformly, and compared with the current separate account checking and independent clearing of a plurality of systems, the merchant processing is more simple. DRAWING:

Description

一种 多账户管理支付方法  Multi-account management payment method 技术领域Technical field
本发明涉及 银行账户 线下支付领域，尤其涉及一种 多账户管理支付系统。  The present invention relates to the field of offline payment for bank accounts, and more particularly to a multi-account management payment system.
背景技术Background technique
随着金融业的发展，社会上每个消费者都有银行账户，同时几乎每个消费者都有不同运营商的积分、银行卡积分、电子优惠券、购物卡等非银行账户。但是，绝大多数消费者在线下消费时，都只能在特定条件下，单一使用某一种非银行账户进行支付。消费者的积分账户、电子优惠券账户等非银行账户大多都处于闲置状态，甚至这些非银行账户直到过期了都没使用过。其原因是这些非银行账户的管理和支付方法不方便，更多的积分账户、优惠券账户只能在很有限的场合下使用 。 With the development of the financial industry, every consumer in the society has a bank account, and almost every consumer has different operators' points, bank card points, electronic coupons, shopping cards and other non-bank accounts. However, most consumers can only use one non-bank account for payment under certain conditions when they consume online. Most non-bank accounts, such as consumer credit accounts and e-coupon accounts, are idle, and even these non-bank accounts have not been used until they expire. The reason is that these non-bank account management and payment methods are inconvenient, and more point accounts and coupon accounts can only be used in very limited circumstances. .
技术问题technical problem
参看附图1，其为现在常见非银行账户支付的示意图。线下商户1和线下商户2都有人民币POS终端，该终端用于接受银行卡消费。线下商户1有一个某银行放置的积分终端，专用于受理该银行的积分消费交易。同样，线下商户2那有一个某运营商放置的积分终端，专用于受理积分兑换礼品交易。 Referring to Figure 1, it is a schematic diagram of a current common non-bank account payment. Both offline merchant 1 and offline merchant 2 have RMB POS terminals, which are used to accept bank card consumption. The offline merchant 1 has a point terminal placed by a bank, which is dedicated to accepting the point consumption transaction of the bank. Similarly, the offline merchant 2 has a point terminal placed by an operator, which is dedicated to accepting points redemption gift transactions.
非银行账户使用不方便主要体现在如下几方面： The inconvenience of non-bank accounts is mainly reflected in the following aspects:
1、对非银行账户管理者，如电信运营商、银行等需亲自找商户谈判，通过增加终端设备等方式使得非银行账户能够在指定商户使用。 1. For non-bank account managers, such as telecom operators and banks, they need to negotiate with their own merchants to make non-bank accounts available to designated merchants by adding terminal devices.
2、对非银行账户使用者，其与银行账户不能混合使用，所以消费者只能用非银行账户上有限的消费额度，进行消费或消费在指定的商品上。 2. For non-bank account users, they cannot be mixed with bank accounts, so consumers can only use the limited amount of consumption on non-bank accounts to consume or consume on designated products.
3、对非银行账户受理者，其与银行账户交易分别向商户清算，增加商户对账的复杂度和工作量。 3. For non-bank account acceptors, their transactions with bank accounts are separately cleared to merchants, increasing the complexity and workload of merchant reconciliation.
技术解决方案Technical solution
为了解决现有技术中非银行账户多，而且使用不方便的现状，本发明的目的是提供多账户管理支付方法，实现通过对所有的非银行账户的管理和统一按设定的优先级和授权的银行账户顺序依次支付管理。 In order to solve the current situation that there are many non-bank accounts in the prior art, and the use is inconvenient, the object of the present invention is to provide a multi-account management payment method, which realizes the priority and authorization by managing and unifying all non-bank accounts. The bank account order is paid in order.
本发明多账户管理支付方法是由以下步骤实现： The multi-account management payment method of the present invention is implemented by the following steps:
该方法借助于由：数据库子系统、交易处理子系统、清算处理子系统、管理子系统、协议处理子系统和支付接口子系统组成的多账户管理支付系统实现，系统中数据库子系统、交易处理子系统、清算处理子系统、管理子系统、协议处理子系统和支付接口子系统通过数据总线建立通讯联系，交易处理子系统经网控器与消费请求输入的 POS 终端建立通讯联系，支付接口子系统通过金融内网专线连接银行账户管理支付系统的 CUPS ，支付接口子系统同时通过专线连接多个非银行账户管理支付系统，其特征在于：该方法由以下步骤实现： The method is realized by a multi-account management payment system consisting of a database subsystem, a transaction processing subsystem, a clearing processing subsystem, a management subsystem, a protocol processing subsystem and a payment interface subsystem, and the database subsystem and transaction processing in the system The subsystem, the clearing processing subsystem, the management subsystem, the protocol processing subsystem, and the payment interface subsystem establish communication links through the data bus, and the transaction processing subsystem is input through the network controller and the consumption request. The POS terminal establishes a communication link, and the payment interface subsystem connects the bank account management payment system CUPS through the financial intranet dedicated line. The payment interface subsystem simultaneously connects a plurality of non-bank account management payment systems through a dedicated line, wherein the method is implemented by the following steps:
(1) 、非银行账户管理支付系统授权多账户管理支付系统使用该系统管理的非银行账户： (1) Non-bank account management payment system authorized multi-account management payment system uses non-bank accounts managed by the system:
（ 2 ）、持卡人登录非银行账户管理支付系统的自有终端，通过非银行账户管理支付系统的身份验证后，输入持卡人的银行帐号，授权该银行帐户管理和使用持卡人的非银行账户： ( 2 ), the cardholder logs into the non-bank account management payment system's own terminal, after the non-bank account management payment system identity verification, enter the cardholder's bank account number, authorize the bank account management and use the cardholder's non-bank Account:
（ 3 ）、该非银行账户管理支付系统得到步骤（2）授权后，组成签约请求报文，发送带签名和密钥的报文至多账户管理支付系统中的协议处理子系统： (3 After the step (2) is authorized, the non-bank account management payment system forms a contract request message, and sends a message with a signature and a key to the protocol processing subsystem in the multi-account management payment system:
（ 4 ）、多账户管理支付系统中的协议处理子系统接收非银行账户管理支付系统的签约请求报文，保存报文至数据库子系统的授权协议库表： ( 4 The protocol processing subsystem in the multi-account management payment system receives the subscription request message of the non-bank account management payment system, and saves the message to the authorization protocol library table of the database subsystem:
（ 5 ）、多账户管理支付系统中的协议处理子系统对步骤（4）签约请求报文进行协议检查，检查签约请求报文格式是否正确、签名是否正确，如果不正确，置数据库该协议的处理状态为失败，组签约失败回执报文，发送给非银行账户管理支付系统，非银行账户管理支付系统向持卡人展示签约失败，结束流程，如果正确，协议检查通过后，置数据库该协议的处理状态为成功，组签约成功回执报文，发送给非银行账户管理支付系统，非银行账户管理支付系统向持卡人展示签约成功，结束协议检查流程： (5 The protocol processing subsystem in the multi-account management payment system performs protocol check on the step (4) subscription request message, checks whether the format of the subscription request message is correct, and whether the signature is correct. If not, the processing status of the protocol is set in the database. In case of failure, the group signing failure receipt receipt message is sent to the non-bank account management payment system, and the non-bank account management payment system displays the signing failure to the cardholder, and ends the process. If it is correct, after the agreement check is passed, the database is processed. The status is successful, the group signing successful return receipt message is sent to the non-bank account management payment system, and the non-bank account management payment system displays the signing success to the cardholder, and ends the agreement check process:
（ 6 ）、持卡人通过 POS 终端刷银行卡卡，输入银行卡密码。 POS 终端组装带有银行卡卡号、消费金额、加密后的银行卡密码的 POS 报文经网控器发送至多账户管理支付系统中的支付处理子系统的监听端口： (6) The cardholder enters the bank card password through the POS terminal and enters the bank card password. POS The terminal assembles the POS message with the bank card number, the consumption amount, and the encrypted bank card password to be sent to the listening port of the payment processing subsystem in the multi-account management payment system via the network controller:
（ 7 ）、多账户管理支付系统中的支付处理子系统监控程序监听到网控的连接请求后，建立连接，接收交易报文，首先保存交易报文至数据库中： (7 After the payment processing subsystem monitoring program in the multi-account management payment system listens to the connection request of the network control, establishes a connection, receives the transaction message, and first saves the transaction message to the database:
（ 8 ）、多账户管理支付系统中的支付处理子系统对步骤（7）接收交易报文，进行检查报文格式是否正确、安全码是否正确、报文有无被篡改，检查交易请求是否符合业务规则检查，如果报文检查不通过，支付处理系统把数据库中该笔交易的交易状态置为失败，组失败回执报文，发送给网控器，网控器转发失败回执报文给 POS 终端， POS 终端显示交易失败信息，结束流程，如果报文检查通过进入下一步： ( 8 The payment processing subsystem in the multi-account management payment system receives the transaction message in step (7), checks whether the message format is correct, whether the security code is correct, whether the message has been tampered with, and checks whether the transaction request conforms to the business rule. Check, if the message check fails, the payment processing system sets the transaction status of the transaction in the database to failure, the group failure receipt message is sent to the network controller, and the network controller forwards the failure receipt message to The POS terminal displays the transaction failure information and ends the process. If the message is checked, go to the next step:
（ 9 ）、多账户管理支付系统中的支付处理子系统根据银行帐号从数据库的授权协议库表查找已授权该银行帐号使用的非银行账户集合，根据商户号从业务规则中查找该商户能使用的非银行账户集合，上述两非银行账户集合的交集即为该笔交易所能使用的非银行账户集合： ( 9 The payment processing subsystem in the multi-account management payment system searches the non-bank account set authorized by the bank account from the authorization protocol library table of the database according to the bank account number, and searches the business rule for the non-bank account that can be used according to the merchant number. The bank account collection, the intersection of the above two non-bank account sets is the set of non-bank accounts that the transaction can use:
（ 10 ）、如果该交易还有非银行账户可用，那么按账户优先级顺序通过支付接口子系统向相应的非银行账户管理支付系统发送消费报文，否则，跳转到步骤（13） (10 If the transaction has non-bank accounts available, then the payment interface is sent to the corresponding non-bank account management payment system in the order of account priority, otherwise, the process proceeds to step (13).
（ 11 ）、多账户管理支付系统中的支付处理子系统接收非银行账户管理支付系统的消费回执报文，通过报文中的商户号、终端号、批次号、系统跟踪号在数据库的交易表中查找原交易： (11 The payment processing subsystem in the multi-account management payment system receives the consumer receipt message of the non-bank account management payment system, and the merchant number, the terminal number, the batch number, and the system tracking number in the message are in the transaction table of the database. Find the original transaction:
（ 12 ）、多账户管理支付系统中的支付处理子系统判断非银行账户管理支付系统消费回执报文的处理结果，如果非银行账户已经足够支付该笔交易，那么修改交易表中该交易的处理状态为处理成功，组成功回执报文 , 在报文的备注域中填写非银行账户的支付明细，发送成功回执报文给网控器，网控器转发报文回执给 POS 终端。 POS 终端在 POS 购物小票上打印消费结果，其中小票备注栏打印非银行账户的支付明细，结束流程，否则，非银行账户管理支付不足够支付，重复步骤（10）： (12 The payment processing subsystem in the multi-account management payment system determines the processing result of the non-bank account management payment system consumption receipt message. If the non-bank account is sufficient to pay the transaction, the processing status of the transaction in the modified transaction table is The processing succeeded. The group successfully received the packet. Fill in the payment details of the non-bank account in the remarks field of the message, and send the successful return receipt message to the network controller. The network controller forwards the message to the POS terminal. POS terminal at POS The consumption result is printed on the shopping receipt, wherein the small ticket remark column prints the payment details of the non-bank account, and the process ends. Otherwise, the non-bank account management payment is not enough, and the step (10) is repeated:
（ 1 ３）、多账户管理支付系统中的支付处理子系统使用剩余待支付金额通过支付接口子系统向银行账户管理支付系统继续发送消费报文，报文包括 POS 终端报文中加密后的银行卡密码： ( 1 3) The payment processing subsystem in the multi-account management payment system uses the remaining to-be-paid amount to continue to send the consumption message to the bank account management payment system through the payment interface subsystem, and the message includes the POS The encrypted bank card password in the terminal message:
（ 1 ４）、多账户管理支付系统中的支付处理子系统接收银行卡管理支付系统的消费回执报文，通过报文中的商户号、终端号、批次号、系统跟踪号在数据库的交易表中查找原交易： ( 1 4) The payment processing subsystem in the multi-account management payment system receives the consumer receipt message of the bank card management payment system, and the merchant number, the terminal number, the batch number, and the system tracking number in the message are in the transaction table of the database. Find the original transaction:
（ 15 ）、多账户管理支付系统中的支付处理子系统判断银行账户管理支付系统消费回执报文的处理结果，如果银行卡扣款成功，那么修改交易表中该交易的处理状态为处理成功，组成功回执报文 , 在报文的备注域中填写非银行账户的支付明细，发送成功回执报文给网控器，网控器转发报文回执给 POS 终端， POS 终端在 POS 购物小票上打印消费结果，其中小票备注栏打印非银行账户的支付明细，结束流程，如果银行卡扣款失败，根据步骤（ 6 ）消费报文中的非银行账户支付明细，通过支付接口子系统向相应非银行账户管理支付系统发送消费撤销报文，非银行账户管理支付系统收到撤销请求后将已经扣下的款退还给原非银行账户，发送撤销报文完毕后，发送消费失败回执报文给网控器，网控器转发报文回执给 POS 终端， POS 终端显示交易失败信息，结束交易流程： (15 The payment processing subsystem in the multi-account management payment system judges the processing result of the bank account management payment system consumption receipt message. If the bank card payment is successful, the processing status of the transaction in the modified transaction table is processed successfully, and the group succeeds. Return receipt Fill in the payment details of the non-bank account in the remarks field of the message, and send the successful return receipt message to the network controller. The network controller forwards the message receipt to the POS terminal, and the POS terminal is at the POS. The consumption result is printed on the shopping receipt, wherein the small ticket remark column prints the payment details of the non-bank account, and the process ends. If the bank card payment fails, according to the steps (6) The non-bank account payment details in the consumption message are sent to the corresponding non-bank account management payment system through the payment interface subsystem, and the non-bank account management payment system returns the deducted amount to the cancellation request. The original non-bank account, after sending the revocation message, sends a consumption failure receipt message to the network controller, and the network controller forwards the message receipt to The POS terminal, the POS terminal displays the transaction failure information, and ends the transaction process:
（ 16 ）、步骤（ 15 ）结束交易流程后，清算处理子系统依据同一笔消费交易涉及到的多的非银行账户和银行账户支付明细，按以下步骤实施对账： (16), steps (15 After the transaction process is finished, the clearing processing subsystem performs the reconciliation according to the following non-bank accounts and bank account payment details involved in the same consumer transaction:
A 、解析非银行账户管理支付系统的对账文件以及银行账户系统的对账文件，把对账文件中的交易明细全部插入对账明细表： A Resolve the reconciliation documents of the non-bank account management payment system and the reconciliation documents of the bank account system, and insert the transaction details in the reconciliation file into the reconciliation schedule:
B 、比较银行卡支付账户明细和对账明细，确定银行卡交易的最终状态。扫描对账明细表，根据商户号、终端号、批次号、系统跟踪号在交易表中查找该笔交易，如果能找到且交易要素如卡号、金额一致，则设置该笔交易的对账状态为“对账成功”；如果能找到但交易要素如卡号、金额不一致，则设置该笔交易的对账状态为'对账失败'，该笔交易将不参与资金清算： B Compare the bank card payment account details and reconciliation details to determine the final status of the bank card transaction. Scan the reconciliation schedule, find the transaction in the transaction table according to the merchant number, terminal number, batch number, and system tracking number. If the transaction element can be found and the transaction element is the same as the card number and the amount, set the reconciliation status of the transaction. "Reconciliation success"; if it can be found but the transaction elements such as card number and amount are inconsistent, set the reconciliation status of the transaction to 'reconciliation failure', the transaction will not participate in fund clearing:
C 、取交易对应的非银行卡支付账户明细和对账明细对比，扫描支付明细表，取交易'对账成功'的非银行卡支付账户明细，根据支付明细编号在对账明细中查找，如果能找到且要素如账号、金额一致，则设置该笔支付明细的对账状态为'对账成功'；如果能找到但交易要素如卡号、金额不一致，则设置支付明细表该笔交易的对账状态为'对账失败'，该笔交易将不参与资金清算： C , take the transaction corresponding non-bank card payment account details and reconciliation details comparison, scan the payment schedule, take the transaction 'reconciliation success' non-bank card payment account details, according to the payment details number in the reconciliation details, if If the found elements are the same as the account number and the amount, the reconciliation status of the payment details is set to 'reconciliation success'; if the transaction elements such as the card number and the amount are inconsistent, the reconciliation status of the transaction is set. For 'reconciliation failure', the transaction will not participate in fund clearing:
D 、使用每笔交易的银行卡支付明细的对账结果确定为该笔交易的最终对账结果： D. The reconciliation result of the bank card payment details using each transaction is determined as the final reconciliation result of the transaction:
Ｅ、如果交易第一笔以后的支付明细的对账结果与交易的最终对账结果不一致，把该支付明细插入对账差错表： E. If the reconciliation result of the first payment after the transaction is inconsistent with the final reconciliation result of the transaction, insert the payment details into the reconciliation error table:
Ｆ、执行对账完成后，管理子系统根据对账结果统计应收银行卡管理支付系统支付的清算资金、应收非银行卡管理支付系统支付的清算资金、应收的交易手续费、应付商户清算资金，由支付接口子系统实施多方结算。 F. After the completion of the reconciliation, the management subsystem shall calculate the clearing funds paid by the bank card management payment system, the clearing funds paid by the non-bank card management payment system, the transaction fees receivable, and the merchants payable according to the reconciliation results. Clearing funds, multi-party settlement is implemented by the payment interface subsystem.
有益效果Beneficial effect
1、通过多账户管理支付方法，方便、同时优先使用所有非银行账户内可消费的余额，解决非银行账户使用场景、范围及消费额度受限问题。 1. Manage the payment method through multiple accounts, and conveniently and preferentially use the balances that can be consumed in all non-bank accounts to solve the problem of non-bank account usage scenarios, scope and consumption quota.
2、新增多账户管理支付系统不需要改动交易处理，提高系统健壮性。 2. The new multi-account management payment system does not need to change the transaction processing to improve the system robustness.
3、使用账户接入的方式支持优惠券打折，相比起直接在交易处理时打折，降低交易处理复杂度。 3, using the account access method to support coupon discounts, compared to the discount directly in the transaction processing, reducing transaction processing complexity.
4、商户终端不需要新增设备或做过多改动，降低部署成本； 4. The merchant terminal does not need to add new equipment or make too many changes to reduce the deployment cost;
5、统一做商户清算，与目前多个系统分开对账独立清算相比，商户处理更简单。 5. Uniform business clearing, compared with the current independent clearing of multiple systems, the merchants are easier to handle.
附图说明DRAWINGS
附图1为现在技术中非银行账户支付流程示意图。 1 is a schematic diagram of a non-bank account payment process in the prior art.
附图2为本发明多账户管理支付方法流程示意图。 2 is a schematic flow chart of a multi-account management payment method according to the present invention.
附图3为本发明系统硬件构成示意图。 Figure 3 is a schematic diagram showing the hardware structure of the system of the present invention.
附图4为本发明是系统架构图。 Figure 4 is a system architecture diagram of the present invention.
附图5为本发明协议处理子系统处理流程图。 Figure 5 is a flow chart of the processing of the protocol processing subsystem of the present invention.
附图6为本发明支付处理子系统的处理流程图。 Figure 6 is a process flow diagram of the payment processing subsystem of the present invention.
附图7为本发明清算处理子系统对账处理流程图。 Figure 7 is a flow chart of the reconciliation processing of the clearing processing subsystem of the present invention.
本发明的最佳实施方式BEST MODE FOR CARRYING OUT THE INVENTION
参看附图，一种多账户管理支付方法，该方法借助于由：数据库子系统、交易处理子系统、清算处理子系统、管理子系统、协议处理子系统和支付接口子系统组成的多账户管理支付系统实现，系统中数据库子系统、交易处理子系统、清算处理子系统、管理子系统、协议处理子系统和支付接口子系统通过数据总线建立通讯联系，交易处理子系统经网控器与消费请求输入的 POS 终端建立通讯联系，支付接口子系统通过金融内网专线连接银行账户管理支付系统的 CUPS ，支付接口子系统同时通过专线连接多个非银行账户管理支付系统，其特征在于：该方法由以下步骤实现： Referring to the accompanying drawings, a multi-account management payment method is provided by means of a multi-account management consisting of: a database subsystem, a transaction processing subsystem, a clearing processing subsystem, a management subsystem, a protocol processing subsystem, and a payment interface subsystem. The payment system is realized. The database subsystem, the transaction processing subsystem, the clearing processing subsystem, the management subsystem, the protocol processing subsystem and the payment interface subsystem establish communication links through the data bus, and the transaction processing subsystem is controlled by the network controller and consumption. Request input The POS terminal establishes a communication link, and the payment interface subsystem connects the bank account management payment system CUPS through the financial intranet dedicated line. The payment interface subsystem simultaneously connects a plurality of non-bank account management payment systems through a dedicated line, wherein the method is implemented by the following steps:
(1) 、非银行账户管理支付系统授权多账户管理支付系统使用该系统管理的非银行账户： (1) Non-bank account management payment system authorized multi-account management payment system uses non-bank accounts managed by the system:
（ 2 ）、持卡人登录非银行账户管理支付系统的自有终端，通过非银行账户管理支付系统的身份验证后，输入持卡人的银行帐号，授权该银行帐户管理和使用持卡人的非银行账户： ( 2 ), the cardholder logs into the non-bank account management payment system's own terminal, after the non-bank account management payment system identity verification, enter the cardholder's bank account number, authorize the bank account management and use the cardholder's non-bank Account:
（ 3 ）、该非银行账户管理支付系统得到步骤（2）授权后，组成签约请求报文，发送带签名和密钥的报文至多账户管理支付系统中的协议处理子系统： (3 After the step (2) is authorized, the non-bank account management payment system forms a contract request message, and sends a message with a signature and a key to the protocol processing subsystem in the multi-account management payment system:
（ 4 ）、多账户管理支付系统中的协议处理子系统接收非银行账户管理支付系统的签约请求报文，保存报文至数据库子系统的授权协议库表： ( 4 The protocol processing subsystem in the multi-account management payment system receives the subscription request message of the non-bank account management payment system, and saves the message to the authorization protocol library table of the database subsystem:
（ 5 ）、多账户管理支付系统中的协议处理子系统对步骤（4）签约请求报文进行协议检查，检查签约请求报文格式是否正确、签名是否正确，如果不正确，置数据库该协议的处理状态为失败，组签约失败回执报文，发送给非银行账户管理支付系统，非银行账户管理支付系统向持卡人展示签约失败，结束流程，如果正确，协议检查通过后，置数据库该协议的处理状态为成功，组签约成功回执报文，发送给非银行账户管理支付系统，非银行账户管理支付系统向持卡人展示签约成功，结束协议检查流程： (5 The protocol processing subsystem in the multi-account management payment system performs protocol check on the step (4) subscription request message, checks whether the format of the subscription request message is correct, and whether the signature is correct. If not, the processing status of the protocol is set in the database. In case of failure, the group signing failure receipt receipt message is sent to the non-bank account management payment system, and the non-bank account management payment system displays the signing failure to the cardholder, and ends the process. If it is correct, after the agreement check is passed, the database is processed. The status is successful, the group signing successful return receipt message is sent to the non-bank account management payment system, and the non-bank account management payment system displays the signing success to the cardholder, and ends the agreement check process:
（ 6 ）、持卡人通过 POS 终端刷银行卡卡，输入银行卡密码。 POS 终端组装带有银行卡卡号、消费金额、加密后的银行卡密码的 POS 报文经网控器发送至多账户管理支付系统中的支付处理子系统的监听端口： (6) The cardholder enters the bank card password through the POS terminal and enters the bank card password. POS The terminal assembles the POS message with the bank card number, the consumption amount, and the encrypted bank card password to be sent to the listening port of the payment processing subsystem in the multi-account management payment system via the network controller:
（ 7 ）、多账户管理支付系统中的支付处理子系统监控程序监听到网控的连接请求后，建立连接，接收交易报文，首先保存交易报文至数据库中： (7 After the payment processing subsystem monitoring program in the multi-account management payment system listens to the connection request of the network control, establishes a connection, receives the transaction message, and first saves the transaction message to the database:
（ 8 ）、多账户管理支付系统中的支付处理子系统对步骤（7）接收交易报文，进行检查报文格式是否正确、安全码是否正确、报文有无被篡改，检查交易请求是否符合业务规则检查，如果报文检查不通过，支付处理系统把数据库中该笔交易的交易状态置为失败，组失败回执报文，发送给网控器，网控器转发失败回执报文给 POS 终端， POS 终端显示交易失败信息，结束流程，如果报文检查通过进入下一步： ( 8 The payment processing subsystem in the multi-account management payment system receives the transaction message in step (7), checks whether the message format is correct, whether the security code is correct, whether the message has been tampered with, and checks whether the transaction request conforms to the business rule. Check, if the message check fails, the payment processing system sets the transaction status of the transaction in the database to failure, the group failure receipt message is sent to the network controller, and the network controller forwards the failure receipt message to The POS terminal displays the transaction failure information and ends the process. If the message is checked, go to the next step:
（ 9 ）、多账户管理支付系统中的支付处理子系统根据银行帐号从数据库的授权协议库表查找已授权该银行帐号使用的非银行账户集合，根据商户号从业务规则中查找该商户能使用的非银行账户集合，上述两非银行账户集合的交集即为该笔交易所能使用的非银行账户集合： ( 9 The payment processing subsystem in the multi-account management payment system searches the non-bank account set authorized by the bank account from the authorization protocol library table of the database according to the bank account number, and searches the business rule for the non-bank account that can be used according to the merchant number. The bank account collection, the intersection of the above two non-bank account sets is the set of non-bank accounts that the transaction can use:
（ 10 ）、如果该交易还有非银行账户可用，那么按账户优先级顺序通过支付接口子系统向相应的非银行账户管理支付系统发送消费报文，否则，跳转到步骤（13） (10 If the transaction has non-bank accounts available, then the payment interface is sent to the corresponding non-bank account management payment system in the order of account priority, otherwise, the process proceeds to step (13).
（ 11 ）、多账户管理支付系统中的支付处理子系统接收非银行账户管理支付系统的消费回执报文，通过报文中的商户号、终端号、批次号、系统跟踪号在数据库的交易表中查找原交易： (11 The payment processing subsystem in the multi-account management payment system receives the consumer receipt message of the non-bank account management payment system, and the merchant number, the terminal number, the batch number, and the system tracking number in the message are in the transaction table of the database. Find the original transaction:
（ 12 ）、多账户管理支付系统中的支付处理子系统判断非银行账户管理支付系统消费回执报文的处理结果，如果非银行账户已经足够支付该笔交易，那么修改交易表中该交易的处理状态为处理成功，组成功回执报文 , 在报文的备注域中填写非银行账户的支付明细，发送成功回执报文给网控器，网控器转发报文回执给 POS 终端。 POS 终端在 POS 购物小票上打印消费结果，其中小票备注栏打印非银行账户的支付明细，结束流程，否则，非银行账户管理支付不足够支付，重复步骤（10）： (12 The payment processing subsystem in the multi-account management payment system determines the processing result of the non-bank account management payment system consumption receipt message. If the non-bank account is sufficient to pay the transaction, the processing status of the transaction in the modified transaction table is The processing succeeded. The group successfully received the packet. Fill in the payment details of the non-bank account in the remarks field of the message, and send the successful return receipt message to the network controller. The network controller forwards the message to the POS terminal. POS terminal at POS The consumption result is printed on the shopping receipt, wherein the small ticket remark column prints the payment details of the non-bank account, and the process ends. Otherwise, the non-bank account management payment is not enough, and the step (10) is repeated:
（ 1 ３）、多账户管理支付系统中的支付处理子系统使用剩余待支付金额通过支付接口子系统向银行账户管理支付系统继续发送消费报文，报文包括 POS 终端报文中加密后的银行卡密码： ( 1 3) The payment processing subsystem in the multi-account management payment system uses the remaining to-be-paid amount to continue to send the consumption message to the bank account management payment system through the payment interface subsystem, and the message includes the POS The encrypted bank card password in the terminal message:
（ 1 ４）、多账户管理支付系统中的支付处理子系统接收银行卡管理支付系统的消费回执报文，通过报文中的商户号、终端号、批次号、系统跟踪号在数据库的交易表中查找原交易： ( 1 4) The payment processing subsystem in the multi-account management payment system receives the consumer receipt message of the bank card management payment system, and the merchant number, the terminal number, the batch number, and the system tracking number in the message are in the transaction table of the database. Find the original transaction:
（ 15 ）、多账户管理支付系统中的支付处理子系统判断银行账户管理支付系统消费回执报文的处理结果，如果银行卡扣款成功，那么修改交易表中该交易的处理状态为处理成功，组成功回执报文 , 在报文的备注域中填写非银行账户的支付明细，发送成功回执报文给网控器，网控器转发报文回执给 POS 终端， POS 终端在 POS 购物小票上打印消费结果，其中小票备注栏打印非银行账户的支付明细，结束流程，如果银行卡扣款失败，根据步骤（ 6 ）消费报文中的非银行账户支付明细，通过支付接口子系统向相应非银行账户管理支付系统发送消费撤销报文，非银行账户管理支付系统收到撤销请求后将已经扣下的款退还给原非银行账户，发送撤销报文完毕后，发送消费失败回执报文给网控器，网控器转发报文回执给 POS 终端， POS 终端显示交易失败信息，结束交易流程： (15 The payment processing subsystem in the multi-account management payment system judges the processing result of the bank account management payment system consumption receipt message. If the bank card payment is successful, the processing status of the transaction in the modified transaction table is processed successfully, and the group succeeds. Return receipt Fill in the payment details of the non-bank account in the remarks field of the message, and send the successful return receipt message to the network controller. The network controller forwards the message receipt to the POS terminal, and the POS terminal is at the POS. The consumption result is printed on the shopping receipt, wherein the small ticket remark column prints the payment details of the non-bank account, and the process ends. If the bank card payment fails, according to the steps (6) The non-bank account payment details in the consumption message are sent to the corresponding non-bank account management payment system through the payment interface subsystem, and the non-bank account management payment system returns the deducted amount to the cancellation request. The original non-bank account, after sending the revocation message, sends a consumption failure receipt message to the network controller, and the network controller forwards the message receipt to The POS terminal, the POS terminal displays the transaction failure information, and ends the transaction process:
（ 16 ）、步骤（ 15 ）结束交易流程后，清算处理子系统依据同一笔消费交易涉及到的多的非银行账户和银行账户支付明细，按以下步骤实施对账： (16), steps (15 After the transaction process is finished, the clearing processing subsystem performs the reconciliation according to the following non-bank accounts and bank account payment details involved in the same consumer transaction:
A 、解析非银行账户管理支付系统的对账文件以及银行账户系统的对账文件，把对账文件中的交易明细全部插入对账明细表： A Resolve the reconciliation documents of the non-bank account management payment system and the reconciliation documents of the bank account system, and insert the transaction details in the reconciliation file into the reconciliation schedule:
B 、比较银行卡支付账户明细和对账明细，确定银行卡交易的最终状态。扫描对账明细表，根据商户号、终端号、批次号、系统跟踪号在交易表中查找该笔交易，如果能找到且交易要素如卡号、金额一致，则设置该笔交易的对账状态为'对账成功'；如果能找到但交易要素如卡号、金额不一致，则设置该笔交易的对账状态为'对账失败'，该笔交易将不参与资金清算： B Compare the bank card payment account details and reconciliation details to determine the final status of the bank card transaction. Scan the reconciliation schedule, find the transaction in the transaction table according to the merchant number, terminal number, batch number, and system tracking number. If the transaction element can be found and the transaction element is the same as the card number and the amount, set the reconciliation status of the transaction. For 'reconciliation success'; if it can be found but the transaction elements such as card number and amount are inconsistent, set the reconciliation status of the transaction to 'reconciliation failure', the transaction will not participate in fund clearing:
C 、取交易对应的非银行卡支付账户明细和对账明细对比，扫描支付明细表，取交易'对账成功'的非银行卡支付账户明细，根据支付明细编号在对账明细中查找，如果能找到且要素如账号、金额一致，则设置该笔支付明细的对账状态为'对账成功'；如果能找到但交易要素如卡号、金额不一致，则设置支付明细表该笔交易的对账状态为'对账失败'，该笔交易将不参与资金清算： C , take the transaction corresponding non-bank card payment account details and reconciliation details comparison, scan the payment schedule, take the transaction 'reconciliation success' non-bank card payment account details, according to the payment details number in the reconciliation details, if If the found elements are the same as the account number and the amount, the reconciliation status of the payment details is set to 'reconciliation success'; if the transaction elements such as the card number and the amount are inconsistent, the reconciliation status of the transaction is set. For 'reconciliation failure', the transaction will not participate in fund clearing:
D 、使用每笔交易的银行卡支付明细的对账结果确定为该笔交易的最终对账结果： D. The reconciliation result of the bank card payment details using each transaction is determined as the final reconciliation result of the transaction:
Ｅ、如果交易第一笔以后的支付明细的对账结果与交易的最终对账结果不一致，把该支付明细插入对账差错表： E. If the reconciliation result of the first payment after the transaction is inconsistent with the final reconciliation result of the transaction, insert the payment details into the reconciliation error table:
Ｆ、执行对账完成后，管理子系统根据对账结果统计应收银行卡管理支付系统支付的清算资金、应收非银行卡管理支付系统支付的清算资金、应收的交易手续费、应付商户清算资金，由支付接口子系统实施多方结算。 F. After the completion of the reconciliation, the management subsystem shall calculate the clearing funds paid by the bank card management payment system, the clearing funds paid by the non-bank card management payment system, the transaction fees receivable, and the merchants payable according to the reconciliation results. Clearing funds, multi-party settlement is implemented by the payment interface subsystem.
如具体实施例，假设该笔交易总消费为 200 元，能够使用某运营商积分以及某银行卡积分。那么，首先向某运营商积分系统发送金额为 200 元的过期消费指令，运营商积分系统返回实扣 50 ，则剩余待支付金额为 150 。接着，向某银行卡积分系统发送金额为 150 元的过期消费指令，银行卡积分系统返回实扣 100 ，则剩余待支付金额为 50 。最后，向银行卡支付系统发送金额为 50 的消费指令，完成最后 50 元的支付。As a specific example, assume that the total transaction cost is 200 Yuan, able to use a carrier credit and a bank card credit. Then, firstly, an expired consumption instruction with an amount of 200 yuan is sent to an operator's points system, and the operator's points system returns a real deduction 50, and the remaining amount to be paid is 150. Then, an overdue consumption instruction with an amount of 150 yuan is sent to a bank card credit system, and the bank card credit system returns a real deduction of 100, and the remaining amount to be paid is 50. . Finally, a payment instruction of 50 is sent to the bank card payment system, and the last 50 yuan payment is completed.
参看附图 3 ，本发明实施例涉及的系统的硬件构成包括：应用服务器、数据库服务器和管理服务器共三台服务器，以及一台密押机和一套磁盘阵列存储设备。其中，应用服务器和数据库服务器互为双机热备，并共享磁盘阵列存储。数据库系统部署在数据库服务器上，交易处理子系统、清算处理子系统、支付接口子系统、协议处理子系统部署在应用服务器上，管理子系统部署在管理服务器上。 Referring to FIG. 3, the hardware configuration of the system according to the embodiment of the present invention includes: an application server, a database server, and a management server, a total of three servers, and a tamper and a set of disk array storage devices. The application server and the database server are hot standby and share the disk array storage. The database system is deployed on the database server, and the transaction processing subsystem, the clearing processing subsystem, the payment interface subsystem, and the protocol processing subsystem are deployed on the application server, and the management subsystem is deployed on the management server.
参看附图 4 ，本发明实施例中，多账户管理支付系统包括：数据库系统、交易处理子系统、清算处理子系统、管理子系统、支付接口子系统。 POS 终端通过网控器与交易处理子系统进行报文交互，支付接口子系统通过金融内网专线连接银联 CUPS 。支付接口子系统通过专线连接非银行账户管理支付系统，如银行卡积分系统、运营商积分系统、优惠券账户系统等。  See Figure 4 In the embodiment of the present invention, the multi-account management payment system includes: a database system, a transaction processing subsystem, a clearing processing subsystem, a management subsystem, and a payment interface subsystem. POS The terminal interacts with the transaction processing subsystem through the network controller, and the payment interface subsystem connects to the UnionPay CUPS through the financial intranet dedicated line. . The payment interface subsystem connects the non-bank account management payment system through a dedicated line, such as a bank card credit system, an operator credit system, a coupon account system, and the like.
本发明实施例中，协议处理子系统的处理流程参看附图 5 。In the embodiment of the present invention, the processing flow of the protocol processing subsystem is shown in FIG. 5.
本发明实施例中，付处理子系统的处理流程参看附图 6 。In the embodiment of the present invention, the processing flow of the processing subsystem is referred to FIG. 6.
本发明实施例中， 清算处理子系统的对账流程参看附图 7 。 In the embodiment of the present invention, the reconciliation process of the clearing processing subsystem is shown in FIG. 7.
支付接口子系统在通用账户支付接口与银行账户系统接口及非银行账户系统接口之间做报文转换。通用账户支付接口包括余额查询报文接口、充值报文接口、消费报文接口、消费撤销报文接口。清算子系统的功能是执行与银行账户管理支付系统对账、非银行账户管理支付系统对账、交易资金计算、账户手续费计算、商户手续费计算、差错交易处理等。 The payment interface subsystem performs message conversion between the universal account payment interface and the bank account system interface and the non-bank account system interface. The universal account payment interface includes a balance inquiry message interface, a refill message interface, a consumption message interface, and a consumption revocation message interface. The function of the clearing subsystem is to perform reconciliation with the bank account management payment system, non-bank account management payment system reconciliation, transaction fund calculation, account fee calculation, merchant fee calculation, error transaction processing, and the like.
管理子系统的功能是商户终端管理、终端密钥管理、账户手续费费率管理、商户手续费费率管理、非银行账户系统路由参数配置、非银行账户系统优先级管理、其他业务规则管理。 The functions of the management subsystem are merchant terminal management, terminal key management, account fee rate management, merchant fee rate management, non-bank account system routing parameter configuration, non-bank account system priority management, and other business rule management.
本发明的实施方式Embodiments of the invention
工业实用性Industrial applicability
序列表自由内容Sequence table free content

Claims (1)

  1. 一种 多账户管理支付方法，该方法借助于由：数据库子系统、交易处理子系统、清算处理子系统、管理子系统、协议处理子系统和支付接口子系统组成的多账户管理支付系统实现，系统中数据库子系统、交易处理子系统、清算处理子系统、管理子系统、协议处理子系统和支付接口子系统通过数据总线建立通讯联系，交易处理子系统经网控器与消费请求输入的POS终端建立通讯联系，支付接口子系统 通过金融内网专线连接 银行账户管理支付系统 的CUPS，支付接口子系统同时通过专线连接多个 非银行账 户 管理支付系统 ， 其特征在于：该方法由以下步骤实现：One kind A multi-account management payment method, the method is implemented by a multi-account management payment system consisting of: a database subsystem, a transaction processing subsystem, a clearing processing subsystem, a management subsystem, a protocol processing subsystem, and a payment interface subsystem, in the system The database subsystem, the transaction processing subsystem, the clearing processing subsystem, the management subsystem, the protocol processing subsystem, and the payment interface subsystem establish communication links through the data bus, and the transaction processing subsystem is established by the network controller and the POS terminal input by the consumption request. Communication contact, payment interface subsystem The CUPS is connected to the bank account management payment system through the financial intranet dedicated line, and the payment interface subsystem simultaneously connects multiple non-bank accounts to manage the payment system through a dedicated line. It is characterized in that the method is implemented by the following steps:
    (1)、 非银行账户管理支付系统授权多账户管理支付系统使用该系统管理的非银行账户：(1) Non-bank account management payment system authorized multi-account management payment system uses non-bank accounts managed by the system:
    （2）、持卡人登录非银行账户管理支付系统的自有终端，通过非银行账户管理支付系统的身份验证后，输入持卡人的银行帐号，授权多账户管理支付系统管理和使用持卡人的非银行账户和银行帐户：(2) The cardholder logs into the non-bank account management payment system's own terminal, enters the cardholder's bank account number through the non-bank account management payment system, authorizes the multi-account management payment system to manage and use the card. Non-bank accounts and bank accounts:
    （3）、该非银行账户管理支付系统根据步骤（2）的授权，组成签约请求报文，发送带签名和密钥的报文至多账户管理支付系统中的协议处理子系统：(3) The non-bank account management payment system forms a contract request message according to the authorization of step (2), and sends a message with a signature and a key to the protocol processing subsystem in the multi-account management payment system:
    （4）、多账户管理支付系统中的协议处理子系统接收非银行账户管理支付系统的签约请求报文，保存报文至数据库子系统的授权协议库表：(4) The protocol processing subsystem in the multi-account management payment system receives the subscription request message of the non-bank account management payment system, and saves the message to the authorization protocol library table of the database subsystem:
    （5）、多账户管理支付系统中的协议处理子系统对步骤（4）签约请求报文进行协议检查，检查签约请求报文格式是否正确、签名是否正确，如果不正确，置数据库该协议的处理状态为失败，组成签约失败回执报文，发送给非银行账户管理支付系统，非银行账户管理支付系统向持卡人展示签约失败，结束流程，如果正确，协议检查通过后，置数据库该协议的处理状态为成功，组成签约成功回执报文，发送给非银行账户管理支付系统，非银行账户管理支付系统向持卡人展示签约成功，结束协议检查流程：(5) The protocol processing subsystem in the multi-account management payment system performs protocol check on the step (4) signing request message, checks whether the format of the signing request message is correct, and whether the signature is correct. If not, set the database to the protocol. The processing status is failure, and the signing failure receipt receipt message is sent to the non-bank account management payment system. The non-bank account management payment system displays the signing failure to the cardholder, and ends the process. If the agreement is passed, the protocol is set. The processing status is successful, and the contracted successful receipt message is sent to the non-bank account management payment system. The non-bank account management payment system displays the signing success to the cardholder, and ends the agreement checking process:
    （6）、持卡人通过POS终端刷银行卡卡，输入银行卡密码，POS终端组装带有银行卡卡号、消费金额、加密后的银行卡密码的POS报文经网控器发送至多账户管理支付系统中的支付处理子系统的监听端口：(6), the cardholder swipes the bank card through the POS terminal, enters the bank card password, and the POS terminal assembles the POS message with the bank card number, the consumption amount, and the encrypted bank card password to be sent to the multi-account management via the network controller. The listening port of the payment processing subsystem in the payment system:
    （7）、多账户管理支付系统中的支付处理子系统监控程序监听到网控的连接请求后，建立连接，接收交易报文，首先保存交易报文至数据库中：(7) The payment processing subsystem in the multi-account management payment system monitors the connection request of the network control, establishes a connection, receives the transaction message, and first saves the transaction message to the database:
    （8）、多账户管理支付系统中的支付处理子系统对步骤（7）接收交易报文，进行检查报文格式是否正确、安全码是否正确、报文有无被篡改，检查交易请求是否符合业务规则检查，如果报文检查不通过，支付处理系统把数据库中该笔交易的交易状态置为失败，组失败回执报文，发送给网控器，网控器转发失败回执报文给POS终端，POS终端显示交易失败信息，结束流程，如果报文检查通过进入下一步：(8) The payment processing subsystem in the multi-account management payment system receives the transaction message in step (7), checks whether the message format is correct, whether the security code is correct, whether the message has been tampered with, and checks whether the transaction request conforms. The service rule check, if the message check fails, the payment processing system sets the transaction status of the transaction in the database to failure, the group failure receipt message is sent to the network controller, and the network controller forwards the failed receipt message to the POS terminal. The POS terminal displays the transaction failure information and ends the process. If the message is checked, the process proceeds to the next step:
    （9）、多账户管理支付系统中的支付处理子系统根据银行帐号从数据库的授权协议库表查找已授权该银行帐号关联的非银行账户集合，根据商户号从业务规则中查找该商户能使用的非银行账户集合，上述两非银行账户集合的交集即为该笔交易所能使用的非银行账户集合：(9) The payment processing subsystem in the multi-account management payment system searches the non-bank account set authorized by the bank account from the database authorization database table according to the bank account number, and finds the merchant can use the business rule according to the merchant number. The collection of non-bank accounts, the intersection of the above two non-bank account sets is the set of non-bank accounts that the exchange can use:
    （10）、如果该交易有多个非银行账户可用，那么按账户优先级顺序通过支付接口子系统向相应的非银行账户管理支付系统发送消费报文，否则，跳转到步骤（13）：(10) If the transaction has multiple non-bank accounts available, then the payment interface is sent to the corresponding non-bank account management payment system in the order of account priority, otherwise, the process proceeds to step (13):
    （11）、多账户管理支付系统中的支付处理子系统接收非银行账户管理支付系统的消费回执报文，通过报文中的商户号、终端号、批次号、系统跟踪号在数据库的交易表中查找原交易记录：(11) The payment processing subsystem in the multi-account management payment system receives the consumer receipt receipt message of the non-bank account management payment system, and uses the merchant number, the terminal number, the batch number, and the system tracking number in the message in the database transaction. Find the original transaction record in the table:
    （12）、多账户管理支付系统中的支付处理子系统根据原交易记录判断非银行账户管理支付系统消费回执报文的处理结果，如果非银行账户已经足够支付该笔交易，那么修改原交易记录表中该交易的处理状态为处理成功， 组成功回执报文, 在报文的备注域中填写非银行账户的支付明细，发送成功回执报文给网控器，网控器转发报文回执给POS终端。POS终端在POS购物小票上打印消费结果，其中小票备注栏打印非银行账户的支付明细，结束流程，否则，非银行账户管理支付不足够支付，重复步骤（10）所有非银行账户不足够支付，进入下一步：(12) The payment processing subsystem in the multi-account management payment system determines the processing result of the non-bank account management payment system consumption receipt message according to the original transaction record, and if the non-bank account is sufficient to pay the transaction, then modifying the original transaction record The processing status of the transaction in the table is processed successfully. The group successfully returned the message, Fill in the payment details of the non-bank account in the remarks field of the message, and send the successful return receipt message to the network controller. The network controller forwards the message to the POS terminal. The POS terminal prints the consumption result on the POS shopping receipt, wherein the small ticket remark column prints the payment details of the non-bank account, and ends the process; otherwise, the non-bank account management payment is insufficient to pay, and repeating the step (10) all non-bank accounts are insufficient. Pay, go to the next step:
    （1３）、多账户管理支付系统中的支付处理子系统使用剩余待支付金额通过支付接口子系统向银行账户管理支付系统继续发送消费报文，报文包括POS终端报文中加密后的银行卡密码：(13) The payment processing subsystem in the multi-account management payment system uses the remaining to-be-paid amount to continue to send the consumption message to the bank account management payment system through the payment interface subsystem, and the message includes the encrypted bank card in the POS terminal message. password:
    （1４）、多账户管理支付系统中的支付处理子系统接收银行卡管理支付系统的消费回执报文，通过报文中的商户号、终端号、批次号、系统跟踪号在数据库的交易表中查找原交易记录： (14) The payment processing subsystem in the multi-account management payment system receives the consumer receipt receipt message of the bank card management payment system, and uses the merchant number, the terminal number, the batch number, and the system tracking number in the message in the database transaction table. Find the original transaction record:
    15）、多账户管理支付系统中的支付处理子系统判断银行账户管理支付系统消费回执报文的处理结果，如果银行卡扣款成功，那么修改交易表中该交易记录的处理状态为处理成功，组成功回执报文, 在报文的备注域中填写非银行账户的支付明细，发送成功回执报文给网控器，网控器转发报文回执给POS终端，POS终端在POS购物小票上打印消费结果，其中小票备注栏打印非银行账户的支付明细，结束流程，如果银行卡扣款失败，根据步骤（6）消费报文中的非银行账户支付明细，通过支付接口子系统向相应非银行账户管理支付系统发送消费撤销报文，非银行账户管理支付系统收到撤销请求后将已经扣下的款退还给原非银行账户，发送撤销报文完毕后，发送消费失败回执报文给网控器，网控器转发报文回执给POS终端，POS终端显示交易失败信息，结束交易流程：15) The payment processing subsystem in the multi-account management payment system judges the processing result of the bank account management payment system consumption receipt message, and if the bank card payment is successful, the processing status of the transaction record in the modified transaction table is processed successfully. The group successfully returned the message, Fill in the payment details of the non-bank account in the remarks field of the message, send a successful return receipt message to the network controller, and the network controller forwards the message receipt to the POS terminal, and the POS terminal prints the consumption result on the POS shopping receipt, where the small The ticket remark column prints the payment details of the non-bank account, and ends the process. If the bank card payment fails, according to the non-bank account payment details in the consumption message in step (6), the payment interface subsystem manages the payment system to the corresponding non-bank account. After sending the cancellation message, the non-bank account management payment system returns the deducted amount to the original non-bank account after receiving the cancellation request, and after sending the revocation message, sending the consumption failure receipt message to the network controller, the network control The device forwards the message receipt to the POS terminal, and the POS terminal displays the transaction failure information and ends the transaction process:
    （16）、步骤（15） 结束成功交易流程后， 清算处理子系统依据同一笔消费交易涉及到的多的 非银行账户和银行账户 支付明细，按以下步骤实施对账：(16), step (15) After the successful transaction process is completed, the clearing processing subsystem is based on the number of non-bank accounts and bank accounts involved in the same consumer transaction. To pay the details, follow the steps below to implement the reconciliation:
    A、解析非银行账户管理支付系统的对账文件以及银行账户系统的对账文件，把对账文件中的交易明细全部插入对账明细表：A. Analyze the reconciliation documents of the non-bank account management payment system and the reconciliation documents of the bank account system, and insert the transaction details in the reconciliation file into the reconciliation schedule:
    B、比较银行卡支付账户明细和对账明细，确定银行卡交易的最终状态。扫描对账明细表，根据商户号、终端号、批次号、系统跟踪号在交易表中查找该笔交易，如果能找到且交易要素如卡号、金额一致，则设置该笔交易的对账状态为'对账成功'；如果能找到但交易要素如卡号、金额不一致，则设置该笔交易的对账状态为'对账失败'，该笔交易将不参与资金清算： B. Compare the bank card payment account details and reconciliation details to determine the final status of the bank card transaction. Scan the reconciliation schedule, find the transaction in the transaction table according to the merchant number, terminal number, batch number, and system tracking number. If the transaction element can be found and the transaction element is the same as the card number and the amount, set the reconciliation status of the transaction. For 'reconciliation success'; if it can be found but the transaction elements such as card number and amount are inconsistent, set the reconciliation status of the transaction to 'reconciliation failure', the transaction will not participate in fund clearing:
    C、取交易对应的非银行卡支付账户明细和对账明细对比，扫描支付明细表，取交易'对账成功'的非银行卡支付账户明细，根据支付明细编号在对账明细中查找，如果能找到且要素如账号、金额一致，则设置该笔支付明细的对账状态为'对账成功'；如果能找到但交易要素如卡号、金额不一致，则设置支付明细表该笔交易的对账状态为'对账失败'，该笔交易将不参与资金清算：C. Take the non-bank card payment account details and reconciliation details corresponding to the transaction, scan the payment schedule, and take the non-bank card payment account details of the transaction 'reconciliation success', and find the reconciliation details according to the payment detail number. If the factors such as the account number and the amount can be found, the reconciliation status of the payment details is set to 'reconciliation success'; if the transaction elements such as the card number and the amount are inconsistent, the reconciliation of the transaction is set. The status is 'Reconciliation failed' and the transaction will not participate in fund clearing:
    D、使用每笔交易的银行卡支付明细的对账结果确定为该笔交易的最终对账结果：D. The reconciliation result of the bank card payment details using each transaction is determined as the final reconciliation result of the transaction:
    Ｅ、如果交易第一笔以后的支付明细的对账结果与交易的最终对账结果不一致，把该支付明细插入对账差错表：E. If the reconciliation result of the first payment after the transaction is inconsistent with the final reconciliation result of the transaction, insert the payment details into the reconciliation error table:
    Ｆ、执行对账完成后， 管理子系统 根据对账结果统计应收银行卡管理支付系统支付的清算资金、应收非银行卡管理支付系统支付的清算资金、应收的交易手续费、应付商户清算资金，由支付接口子系统实施多方结算。F. After the reconciliation is completed, the management subsystem According to the results of the reconciliation, the clearing funds paid by the bank card management payment system, the clearing funds paid by the non-bank card management payment system, the transaction fee receivable, and the merchant clearing funds shall be settled by the payment interface subsystem. .
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