基于第三方的客票支付体系研究

目前,工商银行、农业银行、中国银行、建设银行、招商银行等银行已相继作为收单机构接入到中国铁路客票系统,在互联网、移动互联网、车站窗口、自动售取票机(TVM)等领域提供银行卡支付功能,满足了旅客多渠道的购票支付需求.为了更好服务旅客,拓展铁路的支付模式和支付渠道,铁路引入了第三方支付收单作为银行模式的补充.本文介绍了该方案的逻辑架构、网络结构、系统功能、业务流程和关键技术等.

Ticketing Payment System based on third-party payment

Currently, the Industrial and Commercial Bank, Agricultural Bank of China, China Construction Bank, China Merchants Bank and other banks had obtained access to China Railway Ticketing and Reservation System successively as the merchant acquirer, in the field of Internet, mobile Internet, the station window, ticket vending machines （TVM）, etc. which provided bank card payment functionality to meet the multi-channel passenger ticket payment needs. In order to serve passengers well, the railway payment mode and payment channels were needed to be expanded, the railway introduced a third-party payment acquirers as banking model supplement. This article described the logical structure of the program, network architecture, system functions, business processes and key technologies.