International credit card clearing platform

Abstract

The invention discloses an international credit card clearing platform which comprises a routing layer, an application layer, a data layer and a supporting layer. The application layer comprises a card organization processing system and a public service system; the card organization processing system is used for processing the incoming file of each card organization, generating an accounting file,generating an outgoing file from the initiated online dispute transaction and uploading the outgoing file to the card organization; the public service system is used for providing public service forthe card organization processing system; the routing layer comprises a storage route; the storage route is used for receiving the data processed by the application layer and storing the data to the data layer in an isolated manner; the data layer is used for receiving and storing the files sent by the routing layer and the supporting layer; the support layer is used for providing file management,task scheduling and monitoring services for the application layer and sending service parameters of the file management, task scheduling and monitoring services to the data layer for storage; the platform organizes various cards independently at an application level and has a multi-tenant function.

Description

technical field [0001] The invention relates to the technical field of credit card systems in the financial industry, in particular to an international credit card clearing and liquidation platform. Background technique [0002] The credit card clearing and clearing platform is to realize the data connection with VISA, JCB, AMEX, and MASTERCARD international credit card organizations, complete the file download and analysis of the card organization, and connect to the credit card core transaction entry system to complete the entry data generation, file processing and uploading, disputes Transaction processing and related data query functions. [0003] The clearing and clearing system deployed by the existing bank has a single hardware resource and software system platform, complex development and serious coupling. The existing systems of the bank all use IBM mainframes, Oracle databases and EMC storage devices, which have not been realized in China. All of them rely on fore...

AI Technical Summary

Problems solved by technology

[0003] The clearing and clearing system deployed by the existing bank has a single hardware resource and software system platform, complex development and serious coupling. The existing systems of the bank all use IBM mainframes, Oracle databases and EMC storage devices, which have not been realized in China. All of them rely on foreign technology, lack independent intellectual property rights from hardware to software, the operation and maintenance costs are extremely high, and data security problems exist; and at present, various card organizations in the system cannot be independent at the application level. When the system of a certain card organization goes down, it will affect the data processing of other card organization processing systems

[0004] Moreover, many small and medium-sized banks or financial institutions are unable to independently operate a complete set of international credit card clearing and clearing systems due to human resources or financial problems, and the current international credit card clearing and clearing platforms do not have multi-tenant functions

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