US 12,118,539 B2
Standardisation method and apparatus for erroneous transactions
Hongqiang Guo, Shanghai (CN); Wei Li, Shanghai (CN); and Zhen Tang, Shanghai (CN)
Assigned to CHINA UNIONPAY CO., LTD., Shanghai (CN)
Appl. No. 16/318,950
Filed by CHINA UNIONPAY CO., LTD., Shanghai (CN)
PCT Filed Oct. 24, 2017, PCT No. PCT/CN2017/107454
§ 371(c)(1), (2) Date Jan. 18, 2019,
PCT Pub. No. WO2018/099209, PCT Pub. Date Jun. 7, 2018.
Claims priority of application No. 201611076397.8 (CN), filed on Nov. 29, 2016.
Prior Publication US 2021/0019692 A1, Jan. 21, 2021
Int. Cl. G06Q 20/38 (2012.01); G06Q 10/08 (2023.01); G06Q 20/00 (2012.01)
CPC G06Q 20/382 (2013.01) [G06Q 10/08 (2013.01); G06Q 20/00 (2013.01); G06Q 20/38 (2013.01); G06Q 20/3821 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A standardisation method for an erroneous transaction processed using an erroneous transaction standardization assembly, wherein the erroneous transaction standardization assembly has a unified interface for interfacing client terminals of UnionPay member institutions in various operating systems with a UnionPay erroneous transaction network, wherein the method comprises:
determining, by a client terminal of a UnionPay member institution, an erroneous transaction to be processed by the UnionPay erroneous transaction network, which is a bank card erroneous service processing network of UnionPay member institutions;
receiving, by the erroneous transaction standardization assembly, an erroneous service invocation request corresponding to the erroneous transaction and sent by the client terminal via a Java universal interface which is operatable in various operating systems when the client terminal has any erroneous transaction that needs to be processed by the UnionPay erroneous transaction network, wherein specific information of the UnionPay member institution is implemented as configuration parameters of the universal interface and includes at least a UnionPay institution code, user authority, and file path;
converting, by the erroneous transaction standardization assembly, the erroneous service invocation request into an exchange message in a readable invocation form to adapt the UnionPay erroneous transaction network, wherein the erroneous service invocation request is a general program function invocation form, and a message element is input as a function invocation parameter;
on the basis of a preset certificate database, encrypting, by the erroneous transaction standardization assembly, a sensitive data area in the exchange message to generate an encrypted message area, and signing, by the erroneous transaction standardization assembly, a key field in the exchange message to generate a signed message area; and
sending, by the erroneous transaction standardization assembly, the exchange message comprising the encrypted message area and the signed message area to the UnionPay erroneous transaction network through a two-way authenticated secure communication link, to enable the UnionPay erroneous transaction network to process according to a meaning of an erroneous service expressed in the exchange message;
wherein before sending the exchange message comprising the encrypted message area and the signed message area to the UnionPay erroneous transaction network through the secure communication link, the method further comprises:
when the erroneous service invocation request comprises a credential file in a binary encoding form, decoding the credential file; and
encoding the decoded credential file by means of an encoding mode of the UnionPay erroneous transaction network.