二代支付系统支付报文传输成本优化

Cost Optimization of CNAPS2 Payment Message Transmission

为了引导参与者按照经济合理的方式一点接入中国人民银行二代支付系统(CNAPS2),本文从分析和优化参与者支付报文传输成本的角度出发,找出传输成本的一些影响因素,例如最优商业银行前置机(MBFE)处理能力、参与者行内系统的平均网络延时、MBFE至城市处理中心(CCPC)之间的链路延时、支付报文到达业务量、MBFE最大可扩展处理能力、MBFE单位时间成本等。最后,在MATLAB环境下进行计算实验,对这些影响因素的效果进行量化和对比,可供参与者在选择最优接入点时进行决策和参考。

To guide the participants connecting the 2nd generation of China national advanced payment system （CNAPS2） by one point access mode, the paper analyzes and optimizes payment message transmission cost for participants, and identifies some im- pacting factors, such as the optimal merchant bank front end （MBFE） processing ability, the average network delay within partic- ipant system, the link delay between MBFE and city clearing processing center （CCPC）, payment message arrivals, the maxi- mum scalable MBFE processing ability and MBFE cost per unit of time. Finally, we conduct computational simulation on MAT- LAB platform to quantify and contrast these factors＇ effect; the results can be utilized by participants to select the optimal access point for decision and reference.