商业银行银联前置机设计实现

The Design and Implementation of the Front-end Unionpay of Commercial Bank

近些年来,我国商业银行系统先后建立了银行卡跨行交易网络框架,成立了中国银联股份有限公司,发布了银行卡联网联合规范2.0,并将系统进行升级换代,更使银联的网络拓展到部分国家,这些都为实现全国乃至国际银行卡联网通用创造了有利条件,为更进一步地扩展地方商业银行卡的使用地域,方便客户,降低业务拓展的成本,该文介绍了银联2.0规范前置机的设计方案。该方案考虑了易扩展、通讯故障自动检测和恢复、系统性能优化等要求。该系统在绍兴市商业银行已成功应用。

In recent years,Chinese commercial banking system has established online framework for interbank transactions.The China UnionPay Company Limited was founded and the bank card network specification 2.0 was issued;it upgraded systems and extended the network UnionPay to some countries.All these create favorable general conditions for the realization of national and international bank card network and the further expansion of use geography of local commercial bank card.It brought convenience to customers and reduced the cost of business expansion,and this dissertation will introduce the design proposal of the front-end Unionpay 2.0.The proposal takes the requirement of convenient expansion,automatic fault detection and recovery,and optimization of system performance.The system has been successfully applied in ShaoXing Commercial Bank.