Introduction and test analysis of ordinary exchange link in micropayment system

The testing of financial app often involves the testing of payment transactions, such as financial subscription, transfer in and out, etc. Before contacting the banking system, the understanding of the payment system only stayed at the level of receiving the returned results, and the processing logic was not clear. Therefore, this paper will introduce the processing link and test analysis of the micropayment system by taking the remittance arrival business in the micro-credit business as an example.

I. Overview of micropayment system

According to the size of the transaction amount and the urgency of the transaction, the payment system is divided into large payment system and small payment system.

1. Characteristics of micropayment system

The micropayment system mainly deals with the debit payment business that can be intercepted by paper vouchers in different cities, and the micro-credit payment business with the amount below the specified starting point. Real-time or batch forwarding according to payment instructions, and net settlement. The micropayment system mainly has the following characteristics:

batch processing

Debit business and credit business below the specified amount starting point

It mainly serves the public daily payment and other retail payment fields.

7*24 hours operation

20 second real-time service

2. Basic business of micropayment system

The business handled by micropayment system can be divided into payment, information, special transaction and reconciliation management.

Payment business mainly includes ordinary lending business, real-time lending business and term lending business; Information services mainly provide query services, such as business status query; Special trading business mainly deals with the corresponding reversal processing of abnormal business. Reconciliation management class is mainly used for reconciliation processing.

Second, the link introduction of the remittance service

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General credit business mainly deals with active remittance business, among which remittance business is one of the most important businesses of general credit. The meeting mainly includes cash remittance, general remittance, online banking payment and foreign exchange settlement. The application scenario of ordinary remittance is the remittance business initiated by customers through transfer.

2. Processing links of ordinary exchanges

As mentioned earlier, the micropayment system is characterized by batch forwarding and net settlement. Therefore, when the customer 1 initiates an ordinary exchange transaction, the bank's micropayment system will not be forwarded to the People's Bank of China individually, but will be forwarded to the People's Bank of China in the form of data packets according to the system's own settings and according to the time or the number of data packets. The People's Bank of China will not settle small-batch packages one by one, but will settle them in net. Give specific examples to make you understand. For example, the next batch of transactions (here, banks A and B are taken as examples):

Bank A initiates remittance to Bank B 100 yuan.

Bank A initiates 300 yuan's payment to Bank B..

Bank A initiates remittance to Bank B, 20 yuan.

1) The channel party initiates the remittance transaction.

2) After the payment system of Bank A receives the remittance transaction instruction initiated by the channel, each transaction needs to be accounted for in the core system.

3) When a certain period of time or a certain transaction amount is reached, the payment system of Bank A will assemble a package according to the message format specified by the People's Bank of China and forward it to the People's Bank of China in the message format.

4) After receiving our message, PBOC first records each transaction under the position of the corresponding bank according to the message content, and then carries out liquidation, that is, net settlement. When the batch package is successfully processed, PBOC will forward the package to the payment system of bank B and synchronize the results to the payment system of bank A. ..

5) After receiving the news, Bank B will transfer the corresponding money to the account of the corresponding customer.

6) After receiving the successful receipt from the People's Bank of China, the payment system of Bank A will return the result to the channel end.

Third, the inspection and analysis of ordinary exchanges

From the above introduction, it seems that the processing of ordinary remittance is not complicated, but the test involving money needs to be more rigorous in case design, and then we will test and analyze it. Remittances are divided into remittance accounts (that is, remittance transactions sent from our bank to other banks) and remittance accounts (remittance transactions sent from other banks to our bank). Take remittance to account as an example.

1. Demand analysis

First, let's make a simple demand analysis.

After the payment system receives the transaction at the channel end, it checks the business parameters and goes to the core for bookkeeping; After the counter initiates the regular packing instruction, the payment system will pack and send it to the People's Bank of China, waiting for the receipt from the People's Bank of China. After corresponding processing according to the receipt, the results are synchronously returned to the channel end. Demand items mainly include:

1. Business parameter check

keep accounts

send messages

Receive a receipt

5. Synchronization results

2. Realize logical analysis

After sorting out the requirements, we will sort out the logic according to the specific requirements and implementation, as shown below. According to the logic diagram, you can check from the following three modules:

1. Logical processing check: business parameter check, exception handling check, message grouping check, message sending check, receipt receiving check (rejection, queuing, liquidation), reversal processing and status update.

2. Judgment branch inspection: accounting result branch, size judgment branch, sending bank result judgment, and people's bank receipt result judgment.

3. Abnormal situation inspection

3. Test point analysis

After arranging the inspection items logically, you can further output the test points.

After exporting the test center, one question is, how to cover it?

In order to ensure the integrity and comprehensiveness of the process, it is recommended to use scenarios to connect test points. For example, in the scenario of "small amount of ordinary foreign exchange transferred to account _ account deduction succeeded, PBOC refused _ account reversal succeeded", the following test points can be covered:

4. Emphasis and difficulty in the test.

1) multichannel

Q: There are many channels to initiate foreign exchange transactions, such as counters, online banking and mobile banking. So when testing and designing, how do we judge whether omni-channel coverage is needed or choose typical channels for coverage?

A: Before considering this issue, we need to clarify the business processing logic of payment. For example, in exchange transactions, if each channel calls the same interface for payment, then the test around payment only needs to ensure that the processing logic of this interface is correct, and it doesn't matter which channel is covered. However, the testing around channels is different, and the parameter configuration and communication mode with payment of each channel are different, so each channel needs to be retested after payment.

2) High dependence of related parties.

Q: Under the background of 1, it is assumed that every remittance transaction received by the payment system is initiated by the channel party and needs the cooperation of relevant parties. If the cooperation of interested parties is low, the test efficiency will be very low. How should this situation be solved?

? A: Since 90% of transactions can be initiated at the counter, if conditions permit, testers can install the relevant environment of the counter to initiate transactions. If the conditions do not allow, you need to call mock.

Both of them have their advantages and disadvantages: the former is more convenient and quick to operate, with high authenticity and strong connectivity, but if there is a problem in the counter environment, it will hinder the test. The latter does not depend on the environment and can effectively increase the coverage, but mock will make the test lose authenticity and connectivity. So which one is more suitable needs practical consideration.

3) accounting check

Accounting is an important step in the exam. If there is something wrong with accounting, the economic loss will be very serious. Therefore, accounting test is very important.

There are two kinds of accounting, one is bookkeeping accounting and the other is write-off accounting. For the bookkeeping account of normal transactions, the amount, institution, account number, account name, etc. The accounts need to be carefully checked; The offset account generated by exception handling is the opposite of the wrong account and must be overwritten during the test.

4) simulating pedestrian information

All the transactions we send to the account require the receipt of the People's Bank of China. During the test, the People's Bank of China will not send you corresponding abnormal conditions according to your test requirements. Therefore, we need to simulate the information of pedestrians to test, that is, spontaneous self-collection. This is a familiarity with the elements and logical requirements in the message.

The above is the process introduction and test-related analysis of ordinary switching of small systems. Welcome to discuss and correct me.