第二代農信銀支付清算系統第二代XXX支

付清算系統

需求規格說明書

支付業務系統分冊

農信銀資金清算中四

倏AURALCR60TBANKSFUNOSCLEARINGCENTER

2012年2月

帶格式的：封面E期.行撲：多倍行濟1I?行

文檔編撰人員15

存后跟奏金請舞中叫

■^rr.NC農，二銀XXK支句清算條經■大水規格滋國44-支月業芬系經分

明

帶格式的：封面日期，縮進：首行緡進：0恒案，行

主要編寫人員—曹艷顧貝貝王超梁慧敏高莉肖飛距：多倍行距1.15字行

帶格式的：封面日期，縮進：首行縮進：0字符，行

邱學剛焦克成陳沛距：多倍行距1.15寧行

［帶格式的：封面日期，行距：多倍行距1.15字行)

參與討論及評審人員宣明延呂新春肖飛高博奮賀杰張文靜

帶格式的：封面日期，縮進：首行縮進：0字符，行

姚春楊董玉峰距：多倍行距1.15字行

［帶格式的：封面日期，行距：4倍行距1.15字后一)

笫1頁，共3頁

衣后銀奏金尾翼卬叫

『《c?eonHAMCSFUMMCUAMIMCWU,身..41農N銀）00<-女4/涓”丁繞?K，k規格說用M-jc《/業務系統辦

朗一

目錄

需求他!格說明書n

文檔編撰人員...................................................................................01

第一章引言..................................................................................1244

1.1文檔目的..............................................................................1244

1-2讀者對象..............................................................................1244

1.3術語定義..............................................................................1244

1-4參考資料..............................................................................B12

第二章系統概述..............................................................................1443

2.1系統拓撲結構.......................1413

2.2NPS的業務范圍.......................................................................1413

2.3業務分類.............................................................................1514

2.3.1支付類業務....................1514

2.3.2信息類業務.....................................................................15U

2.4業務類型與業務種類.................1514

2.5業務與技術指標......................................................................1544

2.5.1系統處理容量...................................................................15U

2.5.2業務處理和系統響應時間.........................................................1645

2.6系統運行時間.......................1615

2.7宙復交易檢查.......................1716

2.8業務權限.............................................................................1716

2.9數字簽名與業務密押.................1817

2.9.1數字簽名......................1847

2.9.2業務密押.......................................................................1947

2.9.3新舊系統之間數字簽名和核押處理.................................................1918

2.10通訊應答與業務應答.................................................................194^

2.11交易處理狀態......................191B

第三章受理柒道管理.........................2120

笫1頁，共3頁

衣后銀奏金詩翼卬叫

『"m*A.c?eonHAMSFUMMCUAWSCWU,身..41農仁銀)00(-女4/洛”條經■二，k現格說用M-jc《/業務系統辦

朗一

3.1受理渠道種類........................2120

3.2受理渠道約束..........................................................................2220

3.3渠道說明..............................................................................2220

3.3.1自動柜員機、自動存款機(ATM,CDM)渠道.....................................2220

3.3.2銷售點終端(POS)渠道........................................................2220

3.3.3自助終端渠道..................2224

3.3.4銀行柜臺和終端渠道.............................................................超24

3.3.5網上銀行渠道...................................................................2321

3.3.6手機銀行渠道.................2321

337電話銀行渠道..................2324

第四章支付類業務............................................................................2422

4.1銀行匯票業務.......................2422

4.1.1業務概述......................2422

4.1.2業務規則.....................2423

4.1.3受理渠道說明.................2422

4.1.4銀行匯票的狀態...............2422

4.1.5銀行匯票簽發.................2523

4.1.6銀行匯票解付.................2926

4.1.7銀行匯票撤銷.................3330

4.1.8銀行匯票退票...................................................................36^3

4.1.9銀行匯票掛失.................3955

4.1.10銀行匯票解掛..................................................................婀

4.1.11關聯交易......................................................................4238

4.2電子匯兌業務.........................................................................4239

4.2.1業務概述......................42a9

4.2.2業務規則.....................里的

4.2.3交易處理才犬態.................4^9

4.2.4交易處理說明..................................................................圖9

笫1頁，共3頁

衣后銀奏金詩翼卬叫

『"m*A.c?eonHAMSFUMMCUAWSCWU,身..41衣N銀XXX支八］14票條決.3，k規格說用44■支引業務叁繞分

第一

425異常處理說明....................................................................為

4.2.6關聯交易......................4743

4.3個人賬戶通存業務......................................................................4843

4.3.1業務概述......................4844

4.3.2業務規則.......................................................................4844

4.3.3受理渠道說明.................4844

4.3.4交易處理狀態.................4945

4.3.5交易處理說明...................................................................5045

4.3.6異常處理說明...................................................................5248

4.3.7關聯交易.....................酒

4.4個人賬戶通兌業務......................................................................5651

4.4.1業務概述......................5651

4.4.2業務現貝。.......................................................................酒

4.4.3受理渠道說明...................................................................5652

4.4.4交易處理才犬態.................5753

4.4.5交易處理說明.................酒

4.4.6異常處理說明.................5955

4.4.7關4關交易.....................Q57

4.5對公賬戶通存業務......................................................................6257

4.5.1業務概述......................6257

4.5.2業務規則.......................................................................6257

4.5.3受理渠道說明.................6257

4.5.4交易處理狀態..................................................................6258

4.5.5交易處理說明.................6258

4.6第三方轉賬業務........................................................................空

4.6.1業務概述.......................................................................6358

4.6.2業務規則.......................................................................6358

4.6.3受理渠道說明.................6458

笫1頁，共3頁

衣后銀奏金詩翼卬叫

『"m*A.c?eonHAMSFUMMCUAWSCWU,身..41衣N銀XXX支八］14票條決.3，k規格說用44■支引業務叁繞分

第一

4.6.4交易處理狀態...................................................................6459

4.6.5在線認證方式的交易處理說明....................................................哪9

4.6.6協議認證及密碼認證的交易處理說明...............................................鴛

4.7協議付款業務........................................................................8276

4.7.1業務概述.......................................................................8276

4.7.2業務規則.......................................................................8276

4.7.3受理渠道說明.................8276

4.7.4交易處理說明...................................................................一

4.8即時轉賬業務........................................................................壁學

4.8.1業務概述.......................................................................8377

4.8.2業務規則.......................................................................8377

4.8.3交易處理狀態.................8377

4.8.4交易處理說明.................酒

4.8.5異常處理說明...................................................................8680

4.8.6關聯交易.....................8882

4.9消費業務............................................................................8983

4.9.1業務概述......................8983

1.9.2業務地貝」.....................8983

4.9.3受理集道說明.................8983

4.9.4交易處理才犬態.................膏

4.9.5交易處理說明.................8983

4.9.6關聯交易.......................................................................8983

4.10預授權業務...........................................................................料

4.10.1業務概述.....................9891

4.10.2業務規則......................................................................9892

4.10.3受理渠道說明..................................................................9892

4.10.4交易處理狀態..................................................................9892

4.10.5交易處理說明..................................................................9892

笫1頁，共3頁

衣后銀奏金詩翼卬叫

『"m*A.c?eonHAMSFUMMCUAWSCWU,身..41衣N銀XXX支八］14票條決.3，k規格說用44■支引業務叁繞分

第一

4.10.6異常處理說明.................................................................9993

4.10.7關聯交易...................9993

4.11IC卡電子現金業務..................................................................JO498

4.11.1業務概述.....................................................................10498

4.11.2業務規則.....................................................................10498

4.113受理渠道說明................................................................10498

4.11.4交易處理狀態................10598

4.115指定賬戶圈存................................................................10598

4.11.6非指定賬戶圈存..............................................................109W2

4.11.7現金充值.....................114W8

4.11.8現金充值撤俏................117444

4.11.9脫機消費/退貨...............120m

4.12自動沖正..........................................................................120M4

4.12.1業務概述.....................120444

4.12.2業務規則.....................121444

4.12.3受理渠道說明................121444

4.12.4交易處理狀態................121144

4.12.5交易處理說明................................................................121145

4.12.6異常處理說明................................................................124147

4.13存款沖銷.........................................................................12514B

4.13.1業務概述....................................................................西有

4.13.2業務規則....................................................................1^149

4.133受理渠道說明...............................................................堡四

4.13.4交易處理狀態................................................................逐U9

4.13.5交易處理說明................................................................126W

4.13.6異常處理說明................................................................126449

4.14補正..............................................................................1261-W

4.14.1業務概述.....................1261+9

笫1頁，共3頁

衣后銀奏金詩翼卬叫

『"m*A.c?eonHAMSFUMMCUAWSCWU,身..41衣N銀XXX支八］14票條決.3，k規格說用44■支引業務叁繞分

第一

4.14.2業務規則....................12614^

4.14.3受理渠道說明................................................................126120

4.14.4交易處理狀態................................................................126120

4.14.5交易處理說明................................................................127WO

4.14.6異常處理說明................................................................127120

第五章信息類業務..........................................................................128121

5.1業務管理類.........................................................................12§m

5.1.1持隊撤俏.....................................................................128434

5.1.2業務撤精.....................................................................131424

5.1.3錯賬控制/解控................................................................133156

5.1.4錯賬控制/解控狀態查詢.......................................................136129

5.1.5交易狀態查詢.................138130

5.2信息查詢類........................................................................139m

5.2.1賬戶余額查詢.................................................................139131

5.2.2賬戶明細查ifU.................................................................141133

5.2.3業務查詢/查笈...............................................................1421^4

5.2.4自由格式報文..................144U6

5.3洎算賬戶管理類....................................................................146138

5.3.1旃練賬戶余額杳詢.............................................................146B8

5.3.2資金調撥申請.................................................................148M0

533清算余額預警通知..............................................................149141

5.3.4清算賬戶余額通知.............................................................150441

5.3.5清第賬戶余額通知回執.........151442

5.3.6清算賬戶余額透支通知.........151W

5.4協議管理類.........................................................................152143

5.4.1付款授權協議管理業務.........152143

5.4.2賬戶信息踏行杳詢授權協議....................................................15M49

5.5公共管理類.........................................................................164154

笫1頁，共3頁

衣后銀奏金尾翼卬叫

『《c?eonHAMCSFUMMCUAMIMCWU,身..41衣N銀XXX支自心票條塊.二，k規格總用44■支上業務叁繞分

第一

5.5.1系統登錄/退出................................................................164154

5.5.2系統狀態變更通知.............................................................164154

5.5.3重發文件請求.................吆儂

5.5.4成員機構狀態變更通知.........16M55

5.5.5強行離線通知.................1654^5

5.5.6停啟運通知...................................................................165156

5.5.7下發文件.....................................................................165156

第六堂業務數據管理.........................168458

6.1行名行號管理.......................................................................168458

6.2卡BA與行號對照關系管理..........................................................168158

6.3工作日期管理......................................................................168458

6.4渠道權限管理.......................1^158

6.5業務權限管理......................................................................168158

6.6業務周期設宜.......................1^458

6.7交易屬性維護......................................................................168158

6.8重要空白憑證管理...................169159

6.8.1重要空白憑證入庫.............................................................169459

6.8.2更改憑證狀態.................................................................169459

6.8.3憑證狀態查詢.................169459

6.9機構故障管理.......................169159

第七章資金清算............................................................................170U9

7.1提交清算原則.......................170160

7.2清算余額預警.......................170U9

第八章計費管理............................................................................121161

8.1計費功能概述......................................................................1Z1咐

8.1.1廿費對象......................171161

8.1.2計費方式.....................121詡

8.2計費管理..........................................................................172462

笫1頁，共3頁

衣后銀奏金詩翼卬叫

『"m*A.c?eonHAMSFUMMCUAWSCWU,身..41衣N銀XXX支八］14票條決.3，k規格說用44■支引業務叁繞分

第一

8.2.1一般業務計費管理.............................................................1Z2162

8.2.2銀行卡業務計費與分洵管理....................................................175165

8.2.3計費與分澗標準...............................................................1Z5U5

8.2.4處理流程......................175345

8.2.5賬務處理.....................176U6

8.3費用返還管理.......................176166

8.3.1返還對象與范圍................176166

8.3.2返還標準.....................1763^6

833返還公式......................178U7

8.3.4費用返還處理流程.............................................................178U8

8.4查i旬統計...........................................................................178168

8.5參數管理...........................................................................179U9

第九堂日終處理............................................................................180170

9.1日切處理...........................................................................180170

9.2業務核對...........................................................................180170

9.2.1NPS與各成員機構的對賬流程..................................................儂。0

9.2.2NPS與外系統的對賬流程.......應用

9.3差錯處理...........................................................................181例

9.3.1以農信儂中心處理結果為準進行調賬的業務.......................................