第二代XXX支付业务系统需求规格说明书（分册）

第二代农信银支付清算系统第二代XXX支

付清算系统

需求规格说明书

支付业务系统分册

农信银资金清算中四

倏AURALCR60TBANKSFUNOSCLEARINGCENTER

2012年2月

带格式的：封面E期.行扑：多倍行济1I?行

文档编撰人员15

存后跟奏金请舞中叫

■^rr.NC农，二银XXK支句清算条经■大水规格滋国44-支月业芬系经分

明

带格式的：封面日期，缩进：首行缗进：0恒案，行

主要编写人员—曹艳顾贝贝王超梁慧敏高莉肖飞距：多倍行距1.15字行

带格式的：封面日期，缩进：首行缩进：0字符，行

邱学刚焦克成陈沛距：多倍行距1.15宁行

［带格式的：封面日期，行距：多倍行距1.15字行)

参与讨论及评审人员宣明延吕新春肖飞高博奋贺杰张文静

带格式的：封面日期，缩进：首行缩进：0字符，行

姚春杨董玉峰距：多倍行距1.15字行

［带格式的：封面日期，行距：4倍行距1.15字后一)

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朗一

目录

需求他!格说明书n

文档编撰人员...................................................................................01

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

1.1文档目的..............................................................................1244

1-2读者对象..............................................................................1244

1.3术语定义..............................................................................1244

1-4参考资料..............................................................................B12

第二章系统概述..............................................................................1443

2.1系统拓扑结构.......................1413

2.2NPS的业务范围.......................................................................1413

2.3业务分类.............................................................................1514

2.3.1支付类业务....................1514

2.3.2信息类业务.....................................................................15U

2.4业务类型与业务种类.................1514

2.5业务与技术指标......................................................................1544

2.5.1系统处理容量...................................................................15U

2.5.2业务处理和系统响应时间.........................................................1645

2.6系统运行时间.......................1615

2.7宙复交易检查.......................1716

2.8业务权限.............................................................................1716

2.9数字签名与业务密押.................1817

2.9.1数字签名......................1847

2.9.2业务密押.......................................................................1947

2.9.3新旧系统之间数字签名和核押处理.................................................1918

2.10通讯应答与业务应答.................................................................194^

2.11交易处理状态......................191B

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

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朗一

3.1受理渠道种类........................2120

3.2受理渠道约束..........................................................................2220

3.3渠道说明..............................................................................2220

3.3.1自动柜员机、自动存款机(ATM,CDM)渠道.....................................2220

3.3.2销售点终端(POS)渠道........................................................2220

3.3.3自助终端渠道..................2224

3.3.4银行柜台和终端渠道.............................................................超24

3.3.5网上银行渠道...................................................................2321

3.3.6手机银行渠道.................2321

337电话银行渠道..................2324

第四章支付类业务............................................................................2422

4.1银行汇票业务.......................2422

4.1.1业务概述......................2422

4.1.2业务规则.....................2423

4.1.3受理渠道说明.................2422

4.1.4银行汇票的状态...............2422

4.1.5银行汇票签发.................2523

4.1.6银行汇票解付.................2926

4.1.7银行汇票撤销.................3330

4.1.8银行汇票退票...................................................................36^3

4.1.9银行汇票挂失.................3955

4.1.10银行汇票解挂..................................................................婀

4.1.11关联交易......................................................................4238

4.2电子汇兑业务.........................................................................4239

4.2.1业务概述......................42a9

4.2.2业务规则.....................里的

4.2.3交易处理才犬态.................4^9

4.2.4交易处理说明..................................................................图9

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第一

425异常处理说明....................................................................为

4.2.6关联交易......................4743

4.3个人账户通存业务......................................................................4843

4.3.1业务概述......................4844

4.3.2业务规则.......................................................................4844

4.3.3受理渠道说明.................4844

4.3.4交易处理状态.................4945

4.3.5交易处理说明...................................................................5045

4.3.6异常处理说明...................................................................5248

4.3.7关联交易.....................酒

4.4个人账户通兑业务......................................................................5651

4.4.1业务概述......................5651

4.4.2业务现贝。.......................................................................酒

4.4.3受理渠道说明...................................................................5652

4.4.4交易处理才犬态.................5753

4.4.5交易处理说明.................酒

4.4.6异常处理说明.................5955

4.4.7关4关交易.....................Q57

4.5对公账户通存业务......................................................................6257

4.5.1业务概述......................6257

4.5.2业务规则.......................................................................6257

4.5.3受理渠道说明.................6257

4.5.4交易处理状态..................................................................6258

4.5.5交易处理说明.................6258

4.6第三方转账业务........................................................................空

4.6.1业务概述.......................................................................6358

4.6.2业务规则.......................................................................6358

4.6.3受理渠道说明.................6458

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第一

4.6.4交易处理状态...................................................................6459

4.6.5在线认证方式的交易处理说明....................................................哪9

4.6.6协议认证及密码认证的交易处理说明...............................................鸳

4.7协议付款业务........................................................................8276

4.7.1业务概述.......................................................................8276

4.7.2业务规则.......................................................................8276

4.7.3受理渠道说明.................8276

4.7.4交易处理说明...................................................................一

4.8即时转账业务........................................................................壁学

4.8.1业务概述.......................................................................8377

4.8.2业务规则.......................................................................8377

4.8.3交易处理状态.................8377

4.8.4交易处理说明.................酒

4.8.5异常处理说明...................................................................8680

4.8.6关联交易.....................8882

4.9消费业务............................................................................8983

4.9.1业务概述......................8983

1.9.2业务地贝」.....................8983

4.9.3受理集道说明.................8983

4.9.4交易处理才犬态.................膏

4.9.5交易处理说明.................8983

4.9.6关联交易.......................................................................8983

4.10预授权业务...........................................................................料

4.10.1业务概述.....................9891

4.10.2业务规则......................................................................9892

4.10.3受理渠道说明..................................................................9892

4.10.4交易处理状态..................................................................9892

4.10.5交易处理说明..................................................................9892

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第一

4.10.6异常处理说明.................................................................9993

4.10.7关联交易...................9993

4.11IC卡电子现金业务..................................................................JO498

4.11.1业务概述.....................................................................10498

4.11.2业务规则.....................................................................10498

4.113受理渠道说明................................................................10498

4.11.4交易处理状态................10598

4.115指定账户圈存................................................................10598

4.11.6非指定账户圈存..............................................................109W2

4.11.7现金充值.....................114W8

4.11.8现金充值撤俏................117444

4.11.9脱机消费/退货...............120m

4.12自动冲正..........................................................................120M4

4.12.1业务概述.....................120444

4.12.2业务规则.....................121444

4.12.3受理渠道说明................121444

4.12.4交易处理状态................121144

4.12.5交易处理说明................................................................121145

4.12.6异常处理说明................................................................124147

4.13存款冲销.........................................................................12514B

4.13.1业务概述....................................................................西有

4.13.2业务规则....................................................................1^149

4.133受理渠道说明...............................................................堡四

4.13.4交易处理状态................................................................逐U9

4.13.5交易处理说明................................................................126W

4.13.6异常处理说明................................................................126449

4.14补正..............................................................................1261-W

4.14.1业务概述.....................1261+9

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第一

4.14.2业务规则....................12614^

4.14.3受理渠道说明................................................................126120

4.14.4交易处理状态................................................................126120

4.14.5交易处理说明................................................................127WO

4.14.6异常处理说明................................................................127120

第五章信息类业务..........................................................................128121

5.1业务管理类.........................................................................12§m

5.1.1持队撤俏.....................................................................128434

5.1.2业务撤精.....................................................................131424

5.1.3错账控制/解控................................................................133156

5.1.4错账控制/解控状态查询.......................................................136129

5.1.5交易状态查询.................138130

5.2信息查询类........................................................................139m

5.2.1账户余额查询.................................................................139131

5.2.2账户明细查ifU.................................................................141133

5.2.3业务查询/查笈...............................................................1421^4

5.2.4自由格式报文..................144U6

5.3洎算账户管理类....................................................................146138

5.3.1旃练账户余额杳询.............................................................146B8

5.3.2资金调拨申请.................................................................148M0

533清算余额预警通知..............................................................149141

5.3.4清算账户余额通知.............................................................150441

5.3.5清第账户余额通知回执.........151442

5.3.6清算账户余额透支通知.........151W

5.4协议管理类.........................................................................152143

5.4.1付款授权协议管理业务.........152143

5.4.2账户信息踏行杳询授权协议....................................................15M49

5.5公共管理类.........................................................................164154

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第一

5.5.1系统登录/退出................................................................164154

5.5.2系统状态变更通知.............................................................164154

5.5.3重发文件请求.................吆侬

5.5.4成员机构状态变更通知.........16M55

5.5.5强行离线通知.................1654^5

5.5.6停启运通知...................................................................165156

5.5.7下发文件.....................................................................165156

第六堂业务数据管理.........................168458

6.1行名行号管理.......................................................................168458

6.2卡BA与行号对照关系管理..........................................................168158

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

6.4渠道权限管理.......................1^158

6.5业务权限管理......................................................................168158

6.6业务周期设宜.......................1^458

6.7交易属性维护......................................................................168158

6.8重要空白凭证管理...................169159

6.8.1重要空白凭证入库.............................................................169459

6.8.2更改凭证状态.................................................................169459

6.8.3凭证状态查询.................169459

6.9机构故障管理.......................169159

第七章资金清算............................................................................170U9

7.1提交清算原则.......................170160

7.2清算余额预警.......................170U9

第八章计费管理............................................................................121161

8.1计费功能概述......................................................................1Z1咐

8.1.1廿费对象......................171161

8.1.2计费方式.....................121诩

8.2计费管理..........................................................................172462

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第一

8.2.1一般业务计费管理.............................................................1Z2162

8.2.2银行卡业务计费与分洵管理....................................................175165

8.2.3计费与分涧标准...............................................................1Z5U5

8.2.4处理流程......................175345

8.2.5账务处理.....................176U6

8.3费用返还管理.......................176166

8.3.1返还对象与范围................176166

8.3.2返还标准.....................1763^6

833返还公式......................178U7

8.3.4费用返还处理流程.............................................................178U8

8.4查i旬统计...........................................................................178168

8.5参数管理...........................................................................179U9

第九堂日终处理............................................................................180170

9.1日切处理...........................................................................180170

9.2业务核对...........................................................................180170

9.2.1NPS与各成员机构的对账流程..................................................侬。0

9.2.2NPS与外系统的对账流程.......应用

9.3差错处理...........................................................................181例

9.3.1以农信侬中心处理结果为准进行调账的业务.......................................