基于动态映射机制的支付数据管理方案  

PAYMENT DATA MANAGEMENT SCHEME BASED ON DYNAMIC MAPPING MECHANISM

作　　者：才华[1] 肖普山 Cai Hua;Xiao Pushan(China UnionPay Co.,Ltd.,Shanghai 201201,China)

机构地区：[1]中国银联股份有限公司,上海201201

出　　处：《计算机应用与软件》2023年第12期135-140,153,共7页Computer Applications and Software

摘　　要：当前移动支付正在蓬勃发展,手机厂商与卡组织合作推出了Apple Pay、Huawei Pay、Mi Pay等手机钱包类产品。该类产品主要使用加密存储在用户终端的银行卡信息来完成支付,对于安全、合理、便捷地管理智能手机、可穿戴设备等用户终端的借记、贷记银行卡支付数据有着迫切需求。针对传统支付数据管理方案相关问题,基于动态映射机制,结合银行卡支付标记化处理技术,设计出两种支付数据管理方案,覆盖业务开通、绑定支付卡、设置/修改默认支付卡、使用支付卡、解绑支付卡等产品操作生命周期,能够有效提升用户使用体验。At present,mobile payment is booming.In cooperation with card organizations,mobile phone manufacturers have launched mobile wallet products such as Apple Pay,Huawei Pay,and Mi Pay.This kind of product mainly uses the encrypted bank card information stored in the user terminal to complete the payment,which has an urgent demand for the safe,reasonable and convenient management of debit and credit bank card payment data in the user terminal such as smart phones and wearable devices.Aiming at the problems of traditional payment data management solutions,this paper designed two payment data management solutions based on dynamic mapping mechanism,combined with bank card payment tokenization processing technology,covering product life cycle operations such as business activation,binding payment card,setting/changing the default payment card,using payment card,unbinding payment card,which can effectively improve the user experience.

关 键 词：支付数据管理 动态映射 支付标记化 

分 类 号：TP3[自动化与计算机技术—计算机科学与技术]