CN111027966B - Service processing method and system - Google Patents
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- 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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- 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
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
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- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
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Abstract
The invention discloses a business processing method and a business processing system, and relates to the technical field of computers. One embodiment of the method comprises the following steps: the method comprises the steps that a publisher publishes a topic message to a target topic, wherein the topic message comprises an issuer identification code and a card organization identifier; consuming the theme message by a subscriber subscribed to the target theme, and updating the corresponding relation between each card issuing row identification code and each card organization identification according to the theme message; the subscriber responds to the business operation of the user to generate a business request and sends the business request to the publisher. The embodiment can solve the technical problems of low synchronization speed and single-point risk.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a service processing method and system.
Background
Currently, in a banking transaction system, a card type needs to be identified by a card number prefix (card bin, i.e., an issuer identification code), such as a bankcard, visa card, mastercard, or the like. In general, a card routing table (configured with a corresponding relationship between a total number of cards and each service module identifier) is maintained in each source channel, the source channels match the service modules according to the card routing table, send a request to the service modules, and the service modules supplement the request message to form a final message and send the message to the card organization.
In the process of implementing the present invention, the inventor finds that at least the following problems exist in the prior art:
the method comprises the steps of configuring a card routing table in a centralized way, synchronizing the card routing table to all source channels through multistage routing and distribution when updating the corresponding relation between the card and a service module identifier, so that the synchronization speed is low; when the centralized route is unavailable, all service requests can not be distributed to different service modules for processing, and single-point risks exist; the source channel cannot identify whether the business operation can be accepted, and the business request is routed to the business module each time and is identified by the business module, so that the business processing speed is low.
Disclosure of Invention
In view of the above, the embodiments of the present invention provide a service processing method and system, so as to solve the technical problems of low synchronization speed and single-point risk.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a service processing method, including:
the method comprises the steps that a publisher publishes a topic message to a target topic, wherein the topic message comprises an issuer identification code and a card organization identifier;
consuming the theme message by a subscriber subscribed to the target theme, and updating the corresponding relation between each card issuing row identification code and each card organization identification according to the theme message;
the subscriber responds to the business operation of the user to generate a business request and sends the business request to the publisher.
Optionally, the method further comprises:
the publisher receives the service request, encapsulates the service request into a card organization request, and sends the card organization request to a target card organization.
Optionally, the subscriber generates a service request in response to a service operation of the user, and sends the service request to the publisher, including:
the subscriber responds to the service operation of the user to generate a service request and a routing request, and the routing request is sent to a routing server; the routing request carries a card issuing row identification code and a source channel identifier of a subscriber;
the routing server matches a target publisher identifier according to the issuer identifier and the corresponding relation between the source channel identifier of the subscriber and the publisher identifier, and returns the target publisher identifier to the subscriber;
the subscriber sends the service request to the target publisher; wherein the service request carries transaction information.
Optionally, the subscriber generates a service request in response to a service operation of the user, and sends the service request to the publisher, including:
the subscriber responds to the service operation of the user to generate a service request, and the service request is sent to a routing server; wherein, the business request carries transaction information;
the routing server obtains an issuer identification code and a source channel identification of a subscriber from the transaction information, matches a target issuer identification according to the corresponding relation between the issuer identification code and the source channel identification of the subscriber and the issuer identification, and sends the service request to the target issuer.
Optionally, the subscriber generates a service request in response to a service operation of the user, including:
the subscriber responds to the business operation of the user to identify the target issuer identification code;
judging whether a target card organization identifier can be matched from the corresponding relation between each card issuing bank identification code and each card organization identifier;
if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber;
if not, a prompt for refusing the processing is sent out.
In addition, according to another aspect of the embodiment of the present invention, there is provided a service processing system, including:
the issuing party is used for issuing the theme message to the target theme, wherein the theme message comprises an issuer identification code and a card organization identifier;
the subscriber subscribed to the target theme is used for consuming the theme message and updating the corresponding relation between each card issuing row identification code and each card organization identification according to the theme message;
the subscriber is further configured to generate a service request in response to a service operation of the user, and send the service request to the publisher.
Optionally, the publisher is further configured to:
and receiving the service request, packaging the service request into a card organization request, and sending the card organization request to a target card organization.
Optionally, the method further comprises a routing server; wherein:
the subscriber is also used for responding to the business operation of the user to generate a business request and a route request, and sending the route request to a route server; the routing request carries a card issuing row identification code and a source channel identifier of a subscriber;
the routing server is used for matching a target publisher identifier according to the issuer identifier and the corresponding relation between the source channel identifier of the subscriber and the publisher identifier, and returning the target publisher identifier to the subscriber;
the subscriber is further configured to send the service request to the target publisher; wherein the service request carries transaction information.
Optionally, the method further comprises a routing server; wherein:
the subscriber is also used for responding to the business operation of the user to generate a business request and sending the business request to the routing server; wherein, the business request carries transaction information;
the routing server is used for acquiring an issuer identification code and a source channel identification of a subscriber from the transaction information, matching a target publisher identification according to the corresponding relation between the issuer identification code and the source channel identification of the subscriber and the publisher identification, and sending the service request to the target publisher.
Optionally, the subscriber is further configured to:
identifying a target issuer identification code in response to a user's business operation;
judging whether a target card organization identifier can be matched from the corresponding relation between each card issuing bank identification code and each card organization identifier;
if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber;
if not, a prompt for refusing the processing is sent out.
One embodiment of the above invention has the following advantages or benefits: according to the invention, the topic message is published into the target topic by the publisher, and the subscriber subscribed to the target topic consumes the topic message and updates the corresponding relation between each card issuing row identification code and each card organization identification according to the topic message, so that the technical problems of low synchronization speed and single-point risk in the prior art are solved. In the embodiment of the invention, a subscription/release mode is adopted, each service module combines the card bin and the card organization identifier into a theme message, and releases the theme message to a corresponding theme, and each source channel can realize synchronization only by subscribing the theme related to the source channel, so that all source channels are not required to synchronize the full quantity of card bin routing tables, and multilevel routing and distribution are not required, thus processing such as copying, analysis and the like in the distribution process is avoided, the synchronization speed is improved, the real-time synchronization is realized, and the single-point risk is also solved.
Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of a service processing method according to an embodiment of the present invention;
fig. 2 is a schematic diagram of the main flow of a service processing method according to a reference embodiment of the present invention;
fig. 3 is a schematic diagram of the main flow of a service processing method according to another exemplary embodiment of the present invention;
fig. 4 is a schematic diagram of the main modules of a service processing system according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
According to the embodiment of the invention, a subscription/release mode is adopted, each service module combines the card bin and the card organization identifier into the theme message, and releases the theme message to the corresponding theme, and each source channel can realize synchronization only by subscribing the theme related to the source channel without multistage routing and distribution, so that the processes of copying, analyzing and the like in the distribution process are avoided, the synchronization speed is improved, and the single-point risk is also solved.
Fig. 1 is a schematic diagram of a main flow of a service processing method according to an embodiment of the present invention. As an embodiment of the present invention, as shown in fig. 1, the service processing method may include:
step 101, a publisher publishes a topic message to a target topic, wherein the topic message comprises an issuer identification code and a card organization identification.
In the embodiment of the invention, each service module is taken as a publisher, and each service module assembles an issuer identification code (namely a card bin) and a card organization (such as a silver-union, visa or universal) identifier corresponding to the issuer identification code into a theme message and publishes the theme message into a theme (topic).
It should be noted that, the correspondence between the card bin and the card organization identifier is agreed in development, for example, the mapping relationship between the card bin123456 and the visa card organization, the mapping relationship between the card bin223456 and the Unionpay card organization, and the mapping relationship between the card bin323456 and the mastercard organization. When the corresponding relation needs to be newly added, the corresponding relation is assembled into a theme message, and the theme message is released to the corresponding theme.
In the embodiment of the invention, light-weight message middleware such as namomsg or zeromsg can be adopted, and industrial-level message middleware such as rabitQ can also be adopted to support a plurality of publishers and a plurality of subscribers.
Step 102, a subscriber subscribed to the target theme consumes the theme message, and updates the corresponding relation between each card issuing row identification code and each card organization identification according to the theme message.
In the embodiment of the invention, each source channel is taken as a subscriber, each source channel subscribes to a theme related to the source channel, and when the theme has a new message, the message is consumed. Since the publisher publishes the subject message to the target subject in step 101, the subscriber who has subscribed to the subject message in advance will consume the subject message, so as to update the correspondence between each issuer identification code stored locally on the subscriber and each card organization identification according to the subject message. It should be noted that, the correspondence between the card issuer identification code and the card organization identifier may be written into the card bin routing table, and each subscriber maintains the card bin routing table related to itself, instead of maintaining the full card bin routing table, so that the update speed of the card bin routing table and the speed of the subscriber for processing the service may be improved. When the card bin routing table needs to be updated, only the subscriber subscribed to the target subject updates the card bin routing table by adopting the subscription/release mode, and all sources and channels are not needed to synchronize the whole quantity of the card bin routing table, and multilevel routing and distribution are not needed, so that the processing such as copying, analysis and the like in the distribution process is avoided, the synchronization speed is improved, the real-time synchronization is realized, and the single-point risk is also solved.
And step 103, the subscriber responds to the service operation of the user to generate a service request, and the service request is sent to the publisher.
In the embodiment of the invention, the subscriber (i.e. the source channel) can be a source channel such as an ATM, a POS, an internet banking or a mobile banking, and when a user performs a service operation on the source channel, the source channel responds to the service operation of the user to generate a service request, and sends the service request to the publisher (i.e. the service module), and the service module performs specific service processing.
In order to avoid that each service request is sent to the service module for processing, part of the service can be processed by the source channel, for example, whether the service can be accepted or not is identified, so that the service processing speed is improved. Optionally, the subscriber generates a service request in response to a service operation of the user, including: the subscriber responds to the business operation of the user to identify the target issuer identification code; judging whether a target card organization identifier can be matched from the corresponding relation between each card issuing bank identification code and each card organization identifier; if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber; if not, a prompt for refusing the processing is sent out. If the target card organization identification can be matched from the card bin routing table of the subscriber, the business module can accept the transaction, a business request is generated, and the business request is routed to the corresponding business module.
In some embodiments of the present invention, the service request may be routed to the service module in an indirect addressing manner, optionally, step 103 includes: the subscriber responds to the service operation of the user to generate a service request and a routing request, and the routing request is sent to a routing server; the routing request carries a card issuing row identification code and a source channel identifier of a subscriber; the routing server matches a target publisher identifier according to the issuer identifier and the corresponding relation between the source channel identifier of the subscriber and the publisher identifier, and returns the target publisher identifier to the subscriber; the subscriber sends the service request to the target publisher; wherein the service request carries transaction information. In this embodiment, the subscriber generates a service request and a routing request in response to a service operation of the user, where the transaction information carried by the service request may include a source channel identifier, a target card organization identifier, a card number, a transaction time, a transaction location, a transaction amount, and the like of the subscriber; the routing request carries the card bin and the source channel identification of the subscriber. The subscriber sends a routing request to a routing server, and the routing server matches a target publisher identifier according to a pre-configured correspondence between the card bin and the source channel identifier and the publisher identifier and returns the target publisher identifier to the subscriber. And the subscriber sends the service request to the target publisher according to the received target publisher identifier, and the target publisher performs service processing on the service request.
In some embodiments of the present invention, the service request may also be routed to the service module in a direct addressing manner, optionally, step 103 includes: the subscriber responds to the service operation of the user to generate a service request, and the service request is sent to a routing server; wherein, the business request carries transaction information; the routing server obtains an issuer identification code and a source channel identification of a subscriber from the transaction information, matches a target issuer identification according to the corresponding relation between the issuer identification code and the source channel identification of the subscriber and the issuer identification, and sends the service request to the target issuer. In this embodiment, the subscriber generates a service request and a routing request in response to a service operation of the user, where the transaction information carried by the service request may include a source channel identifier, a target card organization identifier, a card number, a transaction time, a transaction location, a transaction amount, and the like of the subscriber; the subscriber sends the service request to a routing server, the routing server analyzes transaction information from the service request, further obtains source channel identifiers of the card bin and the subscriber, and then matches a target publisher identifier according to a corresponding relation between the pre-configured card bin and the source channel identifier and the publisher identifier, so that the service request is sent to the target publisher, and the target publisher performs service processing on the service request.
Optionally, after step 103, the method may further include: the publisher receives the service request, encapsulates the service request into a card organization request, and sends the card organization request to a target card organization. The service module supplements the service request message according to the specification of the target card organization to form a final card organization request message, and sends the card organization request message to the target card organization.
According to the various embodiments described above, it can be seen that the present invention solves the technical problems of slow synchronization speed and single point risk in the prior art by means of publishing the subject message to the target subject by the publisher, and consuming the subject message by the subscriber subscribed to the target subject and updating the correspondence between each card issuing row identification code and each card organization identifier according to the subject message. In the embodiment of the invention, a subscription/release mode is adopted, each service module combines the card bin and the card organization identifier into a theme message, and releases the theme message to a corresponding theme, and each source channel can realize synchronization only by subscribing the theme related to the source channel, so that all source channels are not required to synchronize the full quantity of card bin routing tables, and multilevel routing and distribution are not required, thus processing such as copying, analysis and the like in the distribution process is avoided, the synchronization speed is improved, the real-time synchronization is realized, and the single-point risk is also solved.
Fig. 2 is a schematic diagram of the main flow of a service processing method according to a reference embodiment of the present invention. The service processing method comprises the following steps:
in step 201, the service module issues a theme message to the target theme, where the theme message includes a card bin and a card organization identifier.
In the embodiment of the invention, each service module is taken as a publisher, and each service module assembles the card bin and the card organization (such as Unionpay, visa or universal) identifier corresponding to the card bin into a subject message and publishes the subject message into a topic.
Step 202, consuming the subject message by a source channel subscribed to the target subject, and updating the corresponding relation between each card bin and each card organization identifier according to the subject message.
In the embodiment of the invention, each source channel is taken as a subscriber, each source channel subscribes to a theme related to the source channel, and when the theme has a new message, the message is consumed. Since the publisher publishes the topic message to the target topic in step 201, a subscriber previously subscribed to the topic message will consume the topic message, thereby updating the card routing table according to the topic message.
Step 203, the source channel responds to the business operation of the user to identify the target card bin, and judges whether the target card organization identifier can be matched from the corresponding relation between each card bin and each card organization identifier; if yes, go to step 204; if not, go to step 208.
In step 204, the source channel generates a service request and a routing request according to the service operation of the user, and sends the routing request to the routing server.
The transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number; the routing request carries a target card bin and a source channel identifier.
Step 205, the routing server matches the target service module identifier according to the corresponding relationship between the target card bin and the source channel identifier and the service module identifier, and returns the target service module identifier to the source channel.
Step 206, the source channel receives the service module identifier and sends the service request to the target service module.
In step 207, the target service module receives the service request, encapsulates the service request as a card organization request, and sends the card organization request to a target card organization.
Step 208, a prompt to reject the process is issued.
In addition, in the embodiment of the present invention, the specific implementation of the service processing method is described in detail in the above service processing method, so that the description is not repeated here.
Fig. 3 is a schematic diagram of the main flow of a service processing method according to another exemplary embodiment of the present invention. The service processing method comprises the following steps:
in step 301, the service module issues a theme message to a target theme, where the theme message includes a card bin and a card organization identifier.
In the embodiment of the invention, each service module is taken as a publisher, and each service module assembles the card bin and the card organization (such as Unionpay, visa or universal) identifier corresponding to the card bin into a subject message and publishes the subject message into a topic.
Step 302, consuming the theme message by a source channel subscribed to the target theme, and updating the corresponding relation between each card bin and each card organization identifier according to the theme message.
In the embodiment of the invention, each source channel is taken as a subscriber, each source channel subscribes to a theme related to the source channel, and when the theme has a new message, the message is consumed. Since the publisher publishes the topic message to the target topic in step 301, a subscriber previously subscribed to the topic message will consume the topic message, thereby updating the card routing table according to the topic message.
Step 303, the source channel responds to the business operation of the user to identify the target card bin, and judges whether the target card organization identifier can be matched from the corresponding relation between each card bin and each card organization identifier; if yes, go to step 304; if not, step 307 is performed.
And 304, the source channel generates a service request according to the service operation of the user and sends the service request to the routing server. The transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number.
Step 305, the routing server obtains the card bin and the source channel identifier from the transaction information, matches the target service module identifier according to the correspondence between the card bin and the source channel identifier and the service module identifier, and sends the service request to the target service module.
In step 306, the target service module receives the service request, encapsulates the service request as a card organization request, and sends the card organization request to a target card organization.
Step 307, a prompt to reject the process is issued.
In addition, in the embodiment of the present invention, the specific implementation of the service processing method is described in detail in the above service processing method, so that the description is not repeated here.
Fig. 4 is a schematic diagram of the main modules of a service processing system according to an embodiment of the present invention, and as shown in fig. 4, the service processing system 400 includes a plurality of publishers 401 and a plurality of subscribers 402. The issuer 401 is configured to issue a topic message to a target topic, where the topic message includes an issuer identification code and a card organization identifier; a subscriber 402 subscribed to the target topic, configured to consume the topic message, and update a correspondence between each card issuing row identifier and each card organization identifier according to the topic message; the subscriber 402 is further configured to generate a service request in response to a service operation of a user, and send the service request to the publisher 401.
Optionally, the publisher 401 is further configured to:
and receiving the service request, packaging the service request into a card organization request, and sending the card organization request to a target card organization.
Optionally, a routing server 403 is also included; wherein:
the subscriber 402 is further configured to generate a service request and a routing request in response to a service operation of a user, and send the routing request to the routing server 403; the routing request carries a card issuing row identification code and a source channel identifier of a subscriber;
the routing server 403 is configured to match a target publisher identifier according to the issuer identifier and a correspondence between a source channel identifier of a subscriber and a publisher identifier, and return the target publisher identifier to the subscriber 402;
the subscriber 402 is further configured to send the service request to the target publisher; wherein the service request carries transaction information.
Optionally, a routing server 403 is also included; wherein:
the subscriber 402 is further configured to generate a service request in response to a service operation of a user, and send the service request to the routing server 403; wherein, the business request carries transaction information;
the routing server 403 is configured to obtain an issuer identification code and a source channel identifier of a subscriber from the transaction information, match a target issuer identifier according to a correspondence between the issuer identification code and the source channel identifier of the subscriber and the issuer identifier, and send the service request to the target issuer.
Optionally, the subscriber 402 is further configured to:
identifying a target issuer identification code in response to a user's business operation;
judging whether a target card organization identifier can be matched from the corresponding relation between each card issuing bank identification code and each card organization identifier;
if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber;
if not, a prompt for refusing the processing is sent out.
According to the various embodiments described above, it can be seen that the present invention solves the technical problems of slow synchronization speed and single point risk in the prior art by means of publishing the subject message to the target subject by the publisher, and consuming the subject message by the subscriber subscribed to the target subject and updating the correspondence between each card issuing row identification code and each card organization identifier according to the subject message. In the embodiment of the invention, a subscription/release mode is adopted, each service module combines the card bin and the card organization identifier into a theme message, and releases the theme message to a corresponding theme, and each source channel can realize synchronization only by subscribing the theme related to the source channel, so that all source channels are not required to synchronize the full quantity of card bin routing tables, and multilevel routing and distribution are not required, thus processing such as copying, analysis and the like in the distribution process is avoided, the synchronization speed is improved, the real-time synchronization is realized, and the single-point risk is also solved.
The specific implementation of the service processing system according to the present invention is described in detail in the above-mentioned service processing method, and thus the description thereof will not be repeated here.
The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.
Claims (6)
1. A method for processing a service, comprising:
the method comprises the steps that a publisher publishes a topic message to a target topic, wherein the topic message comprises an issuer identification code and a card organization identifier;
consuming the theme message by a subscriber subscribed to the target theme, and updating the corresponding relation between each card issuing row identification code and each card organization identification according to the theme message;
the subscriber responds to the service operation of the user to generate a service request and sends the service request to the publisher; or the subscriber responds to the service operation of the user to generate a service request, and the service request is sent to a routing server; wherein, the business request carries transaction information; the routing server acquires an issuer identification code and a source channel identification of a subscriber from the transaction information, matches a target publisher identification according to the corresponding relation between the issuer identification code and the source channel identification of the subscriber and the publisher identification, and sends the service request to the target publisher;
the subscriber generates a service request in response to a service operation of a user, including:
the subscriber responds to the business operation of the user to identify the target issuer identification code;
judging whether a target card organization identifier can be matched from the corresponding relation between each card issuing bank identification code and each card organization identifier;
if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber;
if not, a prompt for refusing the processing is sent out.
2. The method as recited in claim 1, further comprising:
the publisher receives the service request, encapsulates the service request into a card organization request, and sends the card organization request to a target card organization.
3. The method of claim 1, wherein the subscriber generates a service request in response to a service operation of a user and sends the service request to the publisher, comprising:
the subscriber responds to the service operation of the user to generate a service request and a routing request, and the routing request is sent to a routing server; the routing request carries a card issuing row identification code and a source channel identifier of a subscriber;
the routing server matches a target publisher identifier according to the issuer identifier and the corresponding relation between the source channel identifier of the subscriber and the publisher identifier, and returns the target publisher identifier to the subscriber;
the subscriber sends the service request to the target publisher; wherein the service request carries transaction information.
4. A business processing system, comprising:
the issuing party is used for issuing the theme message to the target theme, wherein the theme message comprises an issuer identification code and a card organization identifier;
the subscriber subscribed to the target theme is used for consuming the theme message and updating the corresponding relation between each card issuing row identification code and each card organization identification according to the theme message;
the subscriber is further used for responding to the business operation of the user to generate a business request and sending the business request to the publisher;
the subscriber is also to:
identifying a target issuer identification code in response to a user's business operation;
judging whether a target card organization identifier can be matched from the corresponding relation between each card issuing bank identification code and each card organization identifier;
if yes, generating a service request; the transaction information carried by the service request at least comprises a source channel identifier, a target card organization identifier and a card number of a subscriber;
if not, sending out a prompt of refusing to process;
the routing server is also included; wherein:
the subscriber is also used for responding to the business operation of the user to generate a business request and sending the business request to the routing server; wherein, the business request carries transaction information;
the routing server is used for acquiring an issuer identification code and a source channel identification of a subscriber from the transaction information, matching a target publisher identification according to the corresponding relation between the issuer identification code and the source channel identification of the subscriber and the publisher identification, and sending the service request to the target publisher.
5. The system of claim 4, wherein the publisher is further configured to:
and receiving the service request, packaging the service request into a card organization request, and sending the card organization request to a target card organization.
6. The system of claim 4, further comprising a routing server; wherein:
the subscriber is also used for responding to the business operation of the user to generate a business request and a route request, and sending the route request to a route server; the routing request carries a card issuing row identification code and a source channel identifier of a subscriber;
the routing server is used for matching a target publisher identifier according to the issuer identifier and the corresponding relation between the source channel identifier of the subscriber and the publisher identifier, and returning the target publisher identifier to the subscriber;
the subscriber is further configured to send the service request to the target publisher; wherein the service request carries transaction information.
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| CN111752978B (en) * | 2020-06-28 | 2024-10-18 | 中国银行股份有限公司 | Card bin routing method, device and system based on distributed cache |
| CN112116452B (en) * | 2020-09-28 | 2024-04-23 | 中国银行股份有限公司 | Transaction processing method and device |
| CN114386958B (en) * | 2022-01-13 | 2025-09-16 | 平安科技（深圳）有限公司 | Transaction data processing method, device, equipment and storage medium based on pos terminal |
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