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With the development of Internet technology and the expansion of financial system business, people have more and more payment channels in daily life, bank outlets, payment terminals, online banking, telephone banking, etc., and people are increasingly hoping that various operators can More and more convenient payment channels are provided. At present, most cable TV operators pay their own payment methods either through their own counters and through bank collection. For traditional monthly subscription services, most users choose bank deduction. The user binds his digital TV monthly service with a bank account, and periodically transfers the fee from his account to the operator's bank account every month. However, with the expansion of value-added services, such as video on demand services, PVR, TV shopping, etc., this charging method can no longer meet the demand, and some regions are also trying to realize the online payment of related business expenses through the set-top box terminal. And online payment in two ways to discuss with colleagues.
2. Realization of bank collection methods
2.1 system architecture
The realization of bank collection, through the bank interface front-end machine of the boss system and the commercial bank system communication front-end machine through various TCP/IP-based network connections, through the standard data exchange protocol specification to achieve mutual data transaction and data exchange transmission. Data security of both parties can be achieved through mechanisms such as firewalls and data encryption. The physical topology of the system is shown in Figure 1.
2.2 interface function and logical structure
Boss bank interface mainly includes four parts, automatic operation module, manual processing module, system log management and operation parameter setting. Its function division is shown in Figure 2.
The logical structure of the interface processing is shown in Figure 3. The real-time processing part consists of two parts: Socket real-time communication and FTP service. The Socket real-time communication processing is responsible for completing the processing of the real-time transaction package, the FTP directory storage part, responsible for running the FTP service, performing data exchange storage with the bank side and safely transmitting large data volume data; the manual processing module realizes the service log of the interface, Implement transaction logs, batch processing logs, and exception accounting processing.
2.3 Communication method
The bank collection process interacts with the network based on TCP/IP and FTP protocols, and uses the request/response method to complete the corresponding command function. The bank is the requesting party and the BOSS interface machine is the responding party.
All real-time transactions and data exchange files in the protocol are in standard ASCII code, and the data exchange file suffix is â€‹â€‹TXT.
(3) Data exchange file
The data file is an intermediate file exchanged between the bank and the network company when the account is withheld and the transaction details are reconciled. For the naming rules of the data file and the FTP path, both parties can agree in advance, for example:
Â·Accounting data file
Meaning: the data of the withholding data generated on a certain day of the month
Â·Bank processing result data file
Meaning: Bank processing result data file generated by the bank on a certain day of the year
Â·Cash transaction detail reconciliation data file
Meaning: Cash transaction detail reconciliation data file generated on a certain day of the year
Â· Withholding transaction details reconciliation data file
Meaning: the withholding transaction detail reconciliation data file generated on a certain day of the year
2.4 real-time transaction processing flow
Real-time transactions are initiated by the bank, and the BOSS system's banking interface is about to process the relevant processing and return the transaction. Real-time transactions include: request data, payment confirmation, account withholding notice, account deduction, cash transaction total reconciliation, withholding business total reconciliation, delete payment, replenishment confirmation, request for bill, print confirmation, bill void Wait. The real-time transaction processing flow is as follows:
When the listening interface (liste) receives the TCP connection request, the Boss bank first performs the IP address legal verification. After the IP address is legally verified, the data in the data packet is obtained, and the transaction code is verified according to the database setting. The data is processed by different transaction codes. After any of the above steps have logic errors or the processing is completed, the results are returned in accordance with the protocol requirements.
3. Implementation of online payment method
3.1 System Architecture
Online cable TV payment mainly refers to the online payment of related services by users in the set-top box terminal. At present, there is no similar form of online banking payment on the set-top box. There are some reasons for the technology and efficiency considerations. Implementation case. Relying on the set-top box terminal or remote control to install and install the financial card-sending device to realize online payment has become a way for both financial systems and network operators to recognize. It is characterized by end-to-end encryption and terminal (set-top box) real-name control, and the transaction method is the safest. Although a special card-swapping terminal is required, the terminal cost is low and it is easy to scale up. Here, an implementation using the UnionPay financial IC card payment is described. The system architecture is shown in Figure 3-1:
The system mainly includes a terminal set-top box (including a financial IC card slot), a BOSS online payment interface, and a third-party payment system device such as a data encryption machine, a PSAM card pool, a TSP server, and a PPP server. The set-top box is placed in the user's home as a payment tool for automatic payment; the BOSS online payment interface machine is located in the network company's computer room, mainly implementing set-top box identity authentication, user information, transaction information, transaction verification, service opening, reconciliation, etc. (with TSP server) Calling the program and transmitting data to each other.) The TSP server is located in the network company's computer room, completing user interaction, paying deductions, BOSS information exchange, and transmitting consumer information to the PPP server. The PPP server is located in the silver online room, receives the consumption information and reconciliation of the TSP server, and completes the self-service online payment through the data exchange of the terminal, the boss system interface machine and the third party payment system.
3.2 online payment function composition
The system should assist the end user to implement the online payment process. The system mainly needs to provide the following functions: a user-oriented information display; two data legality verification; three completion payment; four transaction data transmission and reconciliation, each of which The aspects are explained one by one:
(1) Information display for users
The smooth completion of the user's payment process depends on the amount of system information provided. The payment process mainly needs to provide the following information.
The terminal user needs to obtain the relevant service information of the payment, such as service introduction, past subscription status and price, as shown in Figure 3-2.
Â·Payment information (contribution)
Through the interface prompts and self-requirements, the user will select the relevant business and deadline to purchase. Through the system interaction BOSS system will return the user's fee for the user to select the service. The payment system needs to be displayed at the terminal, and the user is asked to confirm whether to pay. As shown in Figure 3-3
Â·Payment result information
After the user pays, the system needs to give the user a message, whether the payment is successful, the status of the service after successful, and the information of the payment financial card, as shown in Figure 3-4:
(2) Data legality check
The entire payment process includes multiple data inspections to ensure the smooth completion of the entire payment process.
Â·Business information verification
After selecting the relevant service, the user confirms that the payment system first requests data verification from the BOSS system, such as determining the legality of the service attribute requested by the user, such as the time period of the subscription.
Â·Financial card verification
When the user inserts the financial card into the terminal to make a payment according to the prompt, the payment platform checks the legality of the financial card, and determines whether there is a corresponding PSAM card resource in the PSAM card pool. If there is no legality, the IC card is illegal. Complete the payment.
Â· Balance judgment
When the user pays, the balance of the user's financial IC card needs to be checked to determine whether it is sufficient to pay the consumption or payment. If the payment is insufficient, the payment cannot be continued.
(3) Complete payment
After the previous judgments are passed, the payment platform will deduct the debit from the card and write the debit information to the IC card. Then the payment platform will send the deduction success information to the boss interface machine, and the boss system will open the user payment service according to the deduction. And return the information to the payment platform, and finally give the user a prompt at the set-top box terminal, as shown in Figure 3-4:
(4) Transaction upload and reconciliation
The transaction upload is mainly the payment platform application server needs to send the debit data to the PPP server daily to deposit the financial IC transaction data into the UnionPay system. The transaction reconciliation is mainly the business reconciliation between the third-party payment system and the BOSS system to ensure the consistency of the data information of the two parties. The reconciliation method is mainly to send the physical file to the specified directory of the FTP service of one party, and then the receiver will receive the data and local. The system transaction data is compared, including the comparison of the total amount and the detailed transaction record. If there is a situation in which the comparison is inconsistent, the reason should be manually processed to ensure the accuracy of the data.
3.3 Payment Business Process
The entire payment business process is initiated from the terminal set-top box, and the types of transactions are divided into two categories: inquiry and payment. Here, the payment process is described. The payment process mainly involves a set-top box, a third-party payment platform application server (TSP server), a boss system online payment interface machine, and a PPP server placed in the UnionPay system. The detailed business transaction flow is shown in Figure 3-5.
The bank collection has actually started from the analog TV stage. It has become the main channel for operators to collect basic business fees. However, after the two-way network transformation, the traditional bank collection for more and more two-way interactive services. It has been unable to meet all business payment requirements. Online payment provides users with a self-service payment channel, which is convenient for users. It has been implemented in some places in the country and has achieved good results. It has become a model for reference. However, this model is not suitable for every operator. In this way, the input cost is required to transform the terminal. In addition, the payment platform needs to be put into the corresponding cost, and the network operator chooses which payment method to use. It also needs to be decided according to its own situation. At present, Internet third-party payment is gradually emerging, such as Alipay, fast money and Anfutong, etc., which is the most widely used by Alipay. If a third-party online payment tool like Alipay is introduced in the wired network, it will greatly promote the cable. The development of online payment transactions.
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