CN101877158A - Front service platform of bank and operation processing method thereof - Google Patents

Abstract

The invention provides a front service platform of a bank. The platform comprises a channel access subsystem for integrating transactions when various clients of a channel layer access each service system of a background processing layer in the bank, a service processing subsystem for integrating functions provided by a background service system and thus realizing novel bank services, an application switching subsystem serving as a channel for the front service platform to access each service system on the background, a monitoring management subsystem for monitoring the operating condition of the front service platform, and a safety control subsystem for ensuring safe operation of the front service platform. The invention has the advantages of providing a unified platform capable of supporting the development of various front services, making the whole service system of the bank simple and reliable, greatly reducing equipment cost, and laying a solid foundation for the extension of service products of the bank.

Description

A kind of bank preposing service platforms and operation processing method thereof

Technical field

The present invention relates to a kind of bank preposing service exploitation and operation platform and operation processing method thereof, belong to financial services technology field.

Background technology

Modern bank is the typical professional and married department of technology in the socio-economic activity.Along with increasing of its service kind, the expansion of service range, also numerous and jumbled day by day in order to the technological system that provides support.People can consume with POS in the market, and each corner ATM withdrawal in the city is used the Help by Phone account balance, handle on the net and pay dues, and the background program of these services then is to be supported by the infosystem of complexity.

For bank, the basic service of bank mainly is deposit and loan transaction, and up to the present, the information-based majority of these business is finished, and we are referred to as core business system relevant infosystem.On the other hand, along with the aggravation of market competition, bank's other business outside basic service is then just flourish, and these professional majorities are based on the basic service of bank, carries out integrated with the service product of other industry and realizes.These business often are referred to as front service in bank, finger carried out the service product of integrated processing before core business, relevant system then relies on the core business system of bank, we completely are called bank preposing service platforms, comprise that intermediary service, silver card are logical, the access pretreatment system of Yin Baotong, national debt, fund, the capable exchange of connection and various channels, as ATM P, POS P, Web bank, self-aided terminal etc.This shows that having a wide extension of front service comprised the most business processing application of bank except core business system.

The characteristics of front service are that content is numerous and diverse, and the construction cycle is uncertain, a lot of infosystems start under the situation that lacks unified planning hurriedly, there has been business demand just to develop a system often, though can satisfy demand for the moment, make that but the architecture of total system is day by day chaotic, the degree of reliability of system constantly descends.Main equipment room in bank, often can see that various front service platforms (POS, ATM, gold card, debit card, mandate net, telephone bank, Web bank, logical, the various substitute services of silver card) are in one line, except equipment needs overlapping investment, also take a large amount of energy of technician and safeguard and fix a breakdown, carrying out of new business produced inevitable restrictive function.

Like this, objectively, need a uniform platform, can support the exploitation of various front services, for next solid foundation is beaten in the expansion of the service product of bank.

Summary of the invention

The purpose of this invention is to provide a kind of bank preposing service exploitation and operation platform, support the exploitation and the operation of various front services.

Purpose of the present invention is achieved through the following technical solutions:

A kind of bank preposing service platforms, be connected between channel layer and the background process layer, be used for integrated some kinds of front services, described channel layer is the client that comprises some Terminal Type equipment, described background process layer comprises some backstages operation system, described backstage operation system comprises kernel business of bank system and front service system, and described bank preposing service platforms comprises:

The channel access subsystem, the transaction of each operation system of described background process layer that is used to integrate the various client-access bank inside of described channel layer inserts, and makes the unique access point of described front service platform as bank's each operation system of background process layer;

Service process subsystem is used to finish the function that the backstage operation system is provided and carries out integrated processing and realize novel banking thus;

The applications exchange subsystem as the passage of each operation system of described front service platform visit backstage, is used to shield the complicacy of the business interface that each operation system of backstage provides;

The monitoring management subsystem is used to monitor the running status of described front service platform, in time finds potential problem and solves;

And the security control subsystem, be used to guarantee the safe operation of described front service platform.

Further, the access module of described channel access subsystem is divided into built in client pattern and external client mode, and built in client is the interface routine that described front service platform carries, and the other side's system development program that supply and demand will insert is called; External client is the interface routine that system had that needs access, calls for described front service platform development sequence.

Again further, described channel access subsystem comprises:

The TCP/IP access module is used to receive and real-time the processing from the transaction of the built in client initiation of described front service platform;

The HTTPS access module is used to receive and handles in real time from the online payment class transaction of initiating of built in client, described transaction by described security control subsystem safety verification after after be connected to described HTTPS access module;

The asynchronous communication access module is used to receive the asynchronous communication class transaction of initiating from built in client;

The communication access module of external client is used to receive the transaction of initiating from external client;

And the transaction pretreatment module, the transaction that is used for that access subsystem is received is carried out client validation, is obtained processing such as transaction code.

Further, the business processing logic of described service process subsystem comprises following any one edition type at least:

Transmitted transaction pre-service version type, transmitted transaction pre-service are to handle the transaction that need be finished by the operation system of background process layer;

Domestic transaction version type, domestic transaction are handled and be meant the transaction that all service logics are only finished on front service platforms;

Integration transaction version type, the integration transaction is meant the business of handling that needs integrated two or more application systems.

Again further, described service process subsystem comprise business module and public module at least, described public module comprises:

Billing and accounting system pre-process module is used to realize the mapping of kernel business of bank product on described front service platform, makes front service platform become the marketing of core business and accepts platform;

The integrated service processing module is used to realize the business processing to the transaction processing of many application systems environment, directly provides an integration transaction version type to finish development;

Towards positive retransmission process module, be used for handling procedure to overtime transaction, just dashing and retransmitting according to the treatment situation of concluding the business;

The inter-bank Service Processing Module is used to realize to the pre-service of the People's Bank or commercial banking and the function of concluding the business and transmitting;

The client information management module is used to realize the integrated management of client's essential information, client traffic information and client's CAMEL-Subscription-Information;

The credential management module, be used to provide voucher in transit, please lead, issue, typing, return, the number of pin, inquiry and statistical function.

The business module of described service process subsystem comprises following any one module at least: basic business module, space-ground interface compatibility test module, substitute service module, batch are withheld and are paid a module, gold card business module, buying and selling of foreign currencies module, international clearing business module, stock exchange transaction module, bond business module.

Further, described applications exchange subsystem comprises:

Use route,, come the operation system of the background process layer that option dealing need be sent to according to the particular content of transaction data;

The message modular converter is used for the data message of front service platform inside is converted to the interface packets of backstage operation system, and perhaps the message that the backstage operation system is returned converts the built-in message of front service platform to;

The telecommunication module is used to finish between communication one-level and backstage operation system and finishes MESSAGE EXCHANGE, and communication is adopted ICP/IP protocol or adopted some transaction middlewares or the communication middleware.

The present invention has also disclosed a kind of operation processing method of bank preposing service platforms, comprises the steps:

1) outer application system is initiated transaction by the client-side interface part to described front service platform as the client of front service platform;

2) the channel access subsystem of described front service platform is accepted transaction message, carries out pre-service;

3) program of calling service process subsystem is carried out business processing;

4) if transaction needs and outer application system is collaborative finishes, then described service process subsystem can call the program of applications exchange subsystem, and relevant request is forwarded to external system;

5) the applications exchange subsystem is realized calling outside systemic-function by the service interface program of visit outer application system;

6) after external system was finished processing, the applications exchange subsystem returned service process subsystem to result, continued to carry out, and finished the processing procedure of program;

7) result of business processing returns to outside client by the channel access subsystem, finishes process of exchange one time.

Further, the channel of channel access subsystem inserts and comprises the steps: described step 2)

The communications protocol switch process, it carries out when the communication modes of the non-TCP/IP of customer end adopted and front service platform are mutual;

Checking transaction initiator identity step according to IP address or certificate acquisition parties information, or is obtained message content by transaction initiator's information;

The packet parsing step converts various messages the message of service process subsystem identification to, and then passes to service process subsystem again and handle;

The distribution transaction step according to type of transaction, sends to service routine relevant in the service process subsystem to transaction by the channel subsystem and handles;

Treatment step is returned in transaction, and the result of the service routine in the processing subsystem of accepting business returns to client.

Again further, the business processing of service process subsystem comprises the steps: in the described step 3)

Transaction validity checking step is used to check the validity of transaction data;

The core business treatment step is used to finish the logical process of transaction;

The flowing water management process is used to write down the important information of transaction, guarantees that every transaction can both leave a trace in the flowing water table, and produces unique transaction journal number;

The voucher treatment step is finished the processing of the various vouchers that described front service platform is produced;

The trade identity controlled step is used for handling with the mutual failure of backstage operation system or when overtime, guarantees that transaction can roll back to the state before taking place.

Wherein, described trade identity controlled step comprises:

When the transaction generation is overtime,, judge whether to carry out the transaction after failing according to the configuration parameter of business;

If disposed the action of concluding the business after overtime for towards direct action, then described service process subsystem is got transaction automatically towards positive interface format and initiate to dash and just conclude the business;

If for the first time towards positive Fail Transaction, service process subsystem can be saved in transaction in the automatic re-transmit queue towards positive message, finish the continuous retransmission function of transaction by the automatic retransmission process of backstage operation system, make original business processing program can receive next transaction request;

Attach most importance to and start to do if disposed action after overtime, then message is saved in the automatic re-transmit queue, finish the continuous retransmission function of transaction by the automatic retransmission process of backstage operation system;

For the message of automatic repeating transmission effective time of message is set, avoids repeatedly being submitted to the backstage operation system on business, finishing towards positive transaction message really.

Further, the applications exchange of applications exchange subsystem comprises the steps: in described step 4)-step 6)

The message format switch process is used for the built-in message of described front service platform is converted to the message format of third party's needs, and perhaps the transaction results message that the third party is returned converts inner data to;

Use route and obtain the destination host address of transaction according to transaction data and product information;

Communication is used to finish mutual with various third party's main frames, comprises support and the continuous processing that passes bag to various communications protocol;

The answer code switch process, the transaction answer code that the third party is returned converts inner consistent transaction answer code to.

Beneficial effect of the present invention is embodied in: a uniform platform is provided, can have supported the exploitation of various front services, for next solid foundation is beaten in the expansion of the service product of bank.Miscellaneous service moves on this uniform platform of front service platform, shared same stable, powerful transaction control system, can avoid a large amount of overlapping development and maintenance works, improve the reliability of entire system, shorten the construction cycle of new business, unified transaction interface is provided, equipment cost is also reduced greatly.

Description of drawings

The invention will be further described below in conjunction with accompanying drawing:

Fig. 1: bank preposing service platforms of the present invention is used for the basic framework synoptic diagram of whole banking system.

Fig. 2: the basic framework synoptic diagram of bank preposing service platforms of the present invention.

Fig. 3: the framework synoptic diagram of the access subsystem of bank preposing service platforms of the present invention.

Fig. 4: the service logic synoptic diagram of the service process subsystem of bank preposing service platforms of the present invention.

Fig. 5: the framework synoptic diagram of the service process subsystem of bank preposing service platforms of the present invention.

Fig. 6: the channel of bank preposing service platforms of the present invention inserts synoptic diagram.

Fig. 7: the business processing synoptic diagram of bank preposing service platforms of the present invention.

Fig. 8: trade identity control flow synoptic diagram in the business processing of bank preposing service platforms of the present invention.

Fig. 9: the applications exchange synoptic diagram of bank preposing service platforms of the present invention.

Embodiment

The present invention has disclosed a kind of bank preposing service platforms, and as shown in Figure 1, the application system of whole bank is divided into three levels, channel layer, pre-process layer, background process layer.

The channel layer comprises all kinds of terminal devices, is bottom one deck in the whole transaction system, directly and the user mutual, can regard canalization as.Terminal device comprises internet terminal, telephone terminal, and Possum terminal or the like, no longer exhaustive at this.Various terminal devices are formed an outer application system group.

The background process layer comprises various backstages business application system, is one deck of the top in the whole application system, finally handles each type of financial transaction, can regard the base application system as.Described backstage operation system comprises kernel business of bank system and other front service systems or the like.

The pre-process layer is exactly a front service platform, is connected between channel layer and the background process layer, is used for integrated various front service, be these canalizations with the backstage business application system between unique hinge that is connected.The present invention can also satisfy the demand that professional kind is constantly brought forth new ideas and services channels are constantly expanded by continuous expansion and the products innovation to front service platform, can keep the relatively stable of background application system simultaneously.

Miscellaneous service moves on this uniform platform of front service platform, shared same stable, powerful transaction control system can be avoided a large amount of overlapping development and maintenance works, improves the reliability of entire system, shorten the construction cycle of new business, unified transaction interface is provided.

Except highly integrated characteristics, front service platform also possesses the dirigibility and the extendible ability of height, can reduce according to different needs, to form corresponding " special use " system; Secondly, front service platform can insert new channel rapidly, provides existing product on these channels, also can increase the support to new product rapidly on existing channel.

As shown in Figure 2, described bank preposing service platforms comprises five subsystems:

(1) channel access subsystem, the transaction of each operation system of described background process layer that is used to integrate the various client-access bank inside of described channel layer inserts, and makes the unique access point of described front service platform as bank's each operation system of background process layer;

(2) service process subsystem is used to finish the function that the backstage operation system is provided and carries out integrated processing and realize novel banking thus;

(3) applications exchange subsystem as the passage of each operation system of described front service platform visit backstage, is used to shield the complicacy of the business interface that each operation system of backstage provides;

(4) monitoring management subsystem is used to monitor the running status of described front service platform, in time finds potential problem and solves;

(5) security control subsystem is used to guarantee the safe operation of described front service platform.

The working mechanism of this front service platform is:

1) outer application system is initiated transaction by the client-side interface part to described front service platform as the client of front service platform;

2) the channel access subsystem of described front service platform is accepted transaction message, carries out pre-service;

3) program of calling service process subsystem is carried out business processing;

4) if transaction needs and outer application system is collaborative finishes, then described service process subsystem can call the program of applications exchange subsystem, and relevant request is forwarded to external system;

5) the applications exchange subsystem is realized calling outside systemic-function by the service interface program of visit outer application system;

6) after external system was finished processing, the applications exchange subsystem returned service process subsystem to result, continued to carry out, and finished the processing procedure of program;

7) result of business processing returns to outside client by the channel access subsystem, finishes process of exchange one time.

Front service platform of the present invention and any outside application system all exist a kind of structural symmetry relation:

Application system can be as the client of front service platform, and front service platform is as service end, and application system is initiatively initiated transaction request to front service platform, submits transaction data to;

Application system can be as the service end of front service platform, and front service platform is initiatively initiated transaction as the client of application system, submits transaction data to.

Above-mentioned relation can be set up simultaneously.

Because the existence of this structural symmetry relation, so any application system can become the access channel of front service platform, such benefit is, can make full use of the channel terminal of bank's existing site resource and outside cooperation unit, the client that they are all inserted as the system of front service platform, thereby farthest expanded client's contact point of front service, enriched the resource of the marketing channel of bank.

Because the applications exchange system is the function of integrated outer application system easily, so can on front service platform, greatly develop the banking of integration, thereby can be on the basis of existing resource, research and develop novel bank finance service product by the combination background function, for the core competitiveness of bank provides strong tool platform.

(1) the channel access subsystem of front service platform of the present invention is used to integrate the transaction access of inner each application system of various channel customer end access bank, make front service platform can be used as unique access point of inner each system of bank, can guarantee the consistance and the completeness of user information of concluding the business.

Exploitation realization type according to interface is divided, and the access module of access subsystem can be divided into built in client pattern and external client mode: built in client is the interface routine that platform carries, and the other side's system development program that supply and demand will insert is called; External client is the interface routine that system had that needs access, calls for the front service platform development sequence.

Divide according to agreement, the access module of access subsystem is divided into the TCP/IP access and HTTPS inserts.

Divide according to business processing, access subsystem comprises that real-time deal is handled and asynchronous communication is handled.

Integrate, the pattern that channel inserts is as shown in the table:

Further, described channel access subsystem comprises as shown in Figure 3:

1) TCP/IP access module is used to receive and real-time the processing from the transaction of the built in client initiation of described front service platform; These transaction can be cabinet hand-deliver easily, also may be the transaction of system such as telephone subscriber.Under this pattern, the built in client that need adopt front service platform to provide to method, system connects.At present front service platform provides under the WIN32 under the interface function of C, the UNIX interface function of VB under the interface function of C, JAVA interface function, the WIN32, and all transaction interface messages can resemble automatic download the UDDI, therefore can make existing system or newly-built system be linked into front service platform easily.

2) HTTPS access module is used to receive and handles in real time from the online payment class transaction of initiating of built in client, described transaction by described security control subsystem safety verification after after be connected to described HTTPS access module;

3) asynchronous communication access module is used to receive the asynchronous communication class transaction of initiating from built in client; These transaction can be finished the work of treatment of the transaction request of various big data quantities, and module can compatible TCP/IP and HTTPS agreement.

4) the communication access module of external client is used to receive the transaction of initiating from external client; External client is the communication interface of outside various application systems, the bill payment business of initiating such as external system, and the perhaps inter-bank transaction initiated of Unionpay etc. for this class transaction, needs exploitation communication access module separately, is used to receive these special messages.Front service platform provides the process template of self-defined communication module, and can develop synchronous communication based on TCP/IP, asynchronous communication easily, longly connect, short connection interface module, and based on the access module of message queue.

5) and the transaction pretreatment module, the transaction that is used for that access subsystem is received carries out client validation, obtain processing such as transaction code.The transaction distribution module is that All Activity all must process, therefore overall common process such as the replenishing of additional Authority Verification to the user, common data (such as virtual teller and mechanism etc.), Validation of Data, special processing that channel is relevant, response code conversion in this module.

The channel access subsystem has comprised more such characteristics:

A) adopt independently developed channel container function, solved the channel integration problem

Platform provides unique channel container function, correlation parameters such as the internet terminal that exists at present, telephone terminal, counter terminal, Possum terminal are placed among the container, the access of each channel is as long as register in container like this, thereby solved the problem of integrating by all kinds of means, various terminal device can carry out exchanges data by unified interface and background application system.

B) the service-oriented access plug-in unit of developing, distinct device can be shared the access plug-in unit

Different with general front service platform is, front service platform can make plurality of devices share a channel and insert plug-in unit, also can be that a kind of equipment uses multiple channel to insert plug-in unit, not need to have saved the development amount greatly for every kind of Access Control plug-in unit that equipment development is independent.

C) adopt independently developed interface configuration storehouse, can adapt to different communications protocol, different terminal equipment

Insert and be communicated with

Because it is ever-changing to insert channel, so platform has comprised independently developed access repository, make front service platform to expand access subsystem very flexibly, make the various application systems of channel and bank inside realize interconnecting by front service platform easily.

D) adopt the pressure monitor algorithm, realized transaction load management mechanism

Various channel unifications are linked on the platform, and the surge effect that occurs concluding the business of being bound to causes system handles bottleneck to occur.Platform design the pressure monitor algorithm, can be according to the resource situation of system, calculate the processing time of transaction, control the quantity of transaction processing process automatically, avoid the bottleneck of system handles.

E) the overtime prevention mechanism of transaction

Platform can calculate easy queuing time and processing time before the distribution transaction, when the transaction possibility was overtime, meeting is echo reply at once, and the overtime needs of prompting client transaction queuing resubmit.

F) to the adaptability of multiple message

Can resolve standard x ML data message, simple character stream message, contain the data message of Multiple Cycle, data message and the data structure message that contains the data message of branch node, cuts apart by segmentation symbol, for the data message of complexity and other communication modes, can be by the communication server of expansion platform, the conversion message is realized being connected with the realization of external system with communication modes on communication server.

(2) service process subsystem of front service platform of the present invention is the nucleus module of front service platform, it is the module that front service platform is used to handle concrete service logic, be mainly used in and finish the function that background application system is provided and carry out integrated processing, realize a kind of brand-new novel banking thus.

As shown in Figure 4, in service process subsystem, service logic is organized according to three levels.

(1) transaction

Be to finish system and an atomic function point, show as the service request that front service platform is handled in form.Transaction is a program organization unit minimum in the front service platform, can compile separately, and front service platform provides the version control function to the transaction source code.

(2) product

Product is some tissues with transaction of identical services characteristic, has clear and definite financial business implication, for example bank card business, saving service, accounting event, act on behalf of mobile phone and pay the fees, act on behalf of finance gathering, act on behalf of water power and pay the fees etc.

Product can be compiled into dynamic base and reach the standard grade separately, and can carry out code administration to the program of product, and such benefit is that platform can be followed professional development, can expand the financial service product immediately.

(3) business module

Business module is the service function in a banking field, product by a plurality of same fields is formed, and withholds such as basic business module, space-ground interface compatibility test module, substitute service module, batch and pays a module, gold card business module, buying and selling of foreign currencies module, international clearing business module, stock exchange transaction module, bond business module.

Business module is the informatization platform of bank a service field, if bank need open up new business field, then can develop new business module thereupon.On program, can be compiled into same process to business module, in the process of operation, constantly increase the dynamic link library of product, like this can be at any time under the state of interrupt system not, expand financial product.

Business processing logic can be divided into multiple version type on program, as the basic reference of program development.In front service platform, the version type of business processing logic comprises transmitted transaction pre-service logic, domestic transaction processing logic, integrated transaction processing logic etc., and the programmer can come development bank's service product according to the version type.

(1) transmitted transaction pre-service version type

The transmitted transaction pre-service mainly is to handle the transaction that those need be finished by the operation system of background process layer, such as transaction such as the transferring accounts of billing and accounting system, inquiries, need carry out preprocessing process such as legitimate verification at platform.

(2) domestic transaction version type

Domestic transaction is handled and be meant the transaction that all service logics are only finished on front service platform, such as functions such as user's registration, credential management, report generations.

(3) integration transaction version type

Integration transaction is meant the business of handling that needs integrated two or more application systems, need finish the functions such as integrated, account consistance control of integrated, the transaction data of logical transaction on front service platform.

In the above-mentioned version type, all comprised transaction execution, record traffic flowing water, handled and conclude the business, generate and forever preserve business unusually, made the programmer can be absorbed in the processing and the realization of service logic, the module of just activating business with basic functions of carrying out such as bars.

As shown in Figure 5, service process subsystem is made up of a plurality of modules, and its module has two types, and a kind of is business module, and a series of banking products of just realizing on front service platform can be expanded or cutting along with the development of business; Another kind then is a public module, comprises billing and accounting system pre-process module, integrated service processing module, towards positive retransmission process module, inter-bank Service Processing Module, client information management module, credential management module etc.

The business module of described service process subsystem comprises following any one module at least: basic business module, space-ground interface compatibility test module, substitute service module, batch are withheld and are paid a module, gold card business module, buying and selling of foreign currencies module, international clearing business module, stock exchange transaction module, bond business module.These modules can constantly be expanded along with the development of banking.

Public module is the kernel program of front service platform, mainly comprises:

Billing and accounting system pre-process module is used to realize the mapping of kernel business of bank product on described front service platform, makes front service platform become the marketing of core business and accepts platform;

The integrated service processing module is used to realize the business processing to the transaction processing of many application systems environment, generally can directly provide an integration transaction version type to finish development;

Towards positive retransmission process module, be used for handling procedure to overtime transaction, can just dash and retransmit according to the treatment situation of transaction;

The inter-bank Service Processing Module is used to realize to the pre-service of the People's Bank or other commercial banking and the function of concluding the business and transmitting;

The client information management module is used to realize the integrated management of client's essential information, client traffic information and client's CAMEL-Subscription-Information;

The credential management module, be used to provide voucher in transit, please lead, issue, typing, return, the number of pin, inquiry and statistical function.

Service process subsystem has comprised more such characteristics:

A) independently developed data standard and dynamic data bussing technique have been adopted

For reducing the complicacy of program development, platform definition unified internal exchange of data standard, and the mode of employing dynamic data bus and transaction client are carried out exchanges data in logic, the transaction client adopts identical data bus structure with module, the data message of biography up and down form by the definition transaction, data on transaction client and application services swap data bus, make and see identical logical data view between client-side program and the application services, reduce the program error that produces because variable is inconsistent.

B) designed integrated service version type, realized integration with external service system

The maximum characteristics of integration business are external system real-time exchange data such as needs and service operation system of various trade company, the data packet format of online exchange is varied, for simplifying the exploitation and the enforcement of integration business, platform itself has comprised a powerful integrated service processing module, can handle the workflow of various integrated services.

C) designed the enterprise schema of service logic

Pattern according to the professional layering of routine is come the organization business logic, makes program organization and work organization to be consistent, and reduces the complexity of system maintenance greatly.

D) set up independently off-line processing server technology, realize the symmetry of offline transaction and on-line transaction

The mode that platform adopts offline transaction processing server (virtual merchant server) and Service Process Server to separate realizes offline transaction, so compatible offline transaction and on-line transaction mode, for Service Process Server, offline transaction and on-line transaction are reciprocity.

E) platform provides easily Service Development Tool to realize concrete service logic

Platform provides developing instrument, can realize service logic by configuration mode, can support multiple concrete business processing mode, comprises and inquire about afterwards earlier and pay the fees (the common pay charge way that the amount of money is provided by trade company); Just do not inquire about and pay the fees (comprise in advance and paying the fees that sell securities and voucher, IC-card is supplemented with money, close end pay the fees etc.); Modes such as part is paid the fees and trust is paid the fees.

F) platform provides an edition type technology, can develop new service logic program fast

Platform is built-in multiple version type in developing instrument, can make the programmer be familiar with professional on-the-spot variety of issue fast, can finish simultaneously the foundation of program, the programmer mainly pays close attention to professional on-the-spot personalized demand and gets final product, and guarantees the high efficiency of program development.

G) the quick development of the multiple bill of employing parameter configuration technical support

Platform is supported the quick exploitation of multiple bill by the configuration of parameter, and the bill in the realization program is handled.

H) coordination technique that adopts service logic and bill to handle

By this collaborative pattern, the mode that bill is handled can be by service logical calling, like this when the development along with business, causes service logic that bill is handled when different demand is arranged, and only needs to revise call parameters and can realize that difference is development sequence again.

I) compatible multiple bill processing mode

The bill processing mode that platform is finished: be supported in and pay in transaction back printed invoice bill; The transaction certificate of not buying a ticket is paid in support, later on by the transaction complement; Support to buy a ticket earlier certificate, pay in transaction later on again.

These modes have contained the bill processing rule in the current operation substantially.

J) adopted the complex art of trade identity ensuring

Platform has adopted 4 kinds of technology to guarantee that the consistance of concluding the business: I, transaction are overtime automatically towards orthofunction, platform sends transaction towards the correction data bag from trend main frame account system when overtime when main frame is kept accounts, and platform sends transaction towards the correction data bag from trend main frame account system and merchant transaction system when merchant transaction is overtime; II, transaction retransmitting function, when just concluding the business overtime or negative dealing when overtime, platform can be retransmitted according to the configuration parameter option dealing, and till success was be sure of in transaction, the transaction retransmitting function was handled by process by one's own efforts; III, reliable log system, platform can guarantee can not miss transaction log because of system crash once receiving transaction request log at once like this; IV, the multiple mode of support are checked account, and in time find the errors of account.

K) adopt the thinking of business component to realize new systemic-function

Platform adopts the design of member thought, and well arranged, new function can be called each existing component composition by shell script and finish, and realizes professional expansion under the condition that need not increase program.

L) adopt public regular shield technology, guarantee minimizing of personalization program development amount

System has carried out the business rule in the front service abstract, and is solidificated in the platform, and rule comprises invoice processing rule, timeout treatment rule, log processing rule, result data bag type etc.

M) to the Dynamic Maintenance technology of service routine operational factor

Platform comprises a large amount of operational factors, comprise the process status of application service, the effective status of transaction, the operating position of shared drive, the information such as the data message of biography up and down structure of insider transaction, platform has passed through the function that a cover can real time modifying operation configuration parameter, is used for dynamically forbidding or start the service of goods function.

(3) the applications exchange subsystem of front service platform of the present invention is the passage of each application system of front service platform visit backstage, its core content is the complicacy that is used to shield the business interface that the various systems in backstage provide, finish and function that the application route of remote host system and communication are transmitted, and functions such as just waiting the professional consistance of assurance is retransmitted and is dashed automatically in the transaction when providing transaction overtime.

Described applications exchange subsystem comprises:

(1) uses route

Can be according to the particular content of transaction data, the professional main frame (being the operation system of background process layer) in destination-backstage of coming option dealing to send.The function that platform provides two kinds of main frames to select, the application system for single node that is to say, application system operates on the main frame, only need select a host address just passable in the transaction configuration information, does not need to dispose very complicated route conditions; And for the application system with a plurality of nodes, promptly application system operates on the multiple host, can select one or more fields as route conditions, disposes the professional host address under the various conditions then.

(2) message modular converter

The message conversion is a very important ingredient of exchange system, mainly be the interface packets that is used for the data message of front service platform inside is converted to the professional main frame business application system in backstage, perhaps the message that the professional main frame in backstage is returned converts the built-in message of front service platform to.Platform provides the analytical function of multiple message, the character stream message (comprise the CHAR message, comprise the message of the data structure message of numerous types of data, the band cyclical information that becomes or conditional branching, the elongated message of band separator) that comprises the most normal use, also support simultaneously the message that some are commonly used, as IS08583 message, XML message, TUXEDO FML message, class 8583 messages, HTTP request message etc.In order to adapt to more business demand, platform provides the framing program of a packet parsing, only needs interpolation code seldom just can finish a kind of analytical function of new message.The built-in message of platform adopts the mode of data bus to preserve, and adopts the XML form, can guarantee to adapt to the mutual commentaries on classics between the multiple message.

(3) telecommunication module

Be mainly used in to finish between communication one-level and background application system and finish MESSAGE EXCHANGE, ICP/IP protocol is generally adopted in communication, also might adopt some transaction middlewares or communication middleware, and communication link may need to encrypt, therefore can be than higher for the dirigibility and the reliability requirement of communication interface.

The communication modes that platform can be supported at present comprises synchronous TCPIP, asynchronous TCPIP, long connected mode, message queue, TUXEDO, CICS, agreements such as MQ Series, SNA, and before and after communication, provide the function interface that carries out encryption and decryption, can adapt to various demands easily.Platform provides the framing program of communication, can develop new communication plug easily.And can be by port scanning to professional main frame, before sending transaction, just can judge whether normally operation of background application system, avoid sending that some main frames have cut out and the message of not replying, if because send message this moment, can enter the transaction re-transmit queue, need the outer system resource of occupying volume.

Front service platform does not need on switching subsystem to be every kind of a kind of communication plug of third party's application system development that the communication function that usage platform provides can satisfy the communication with third party's main frame fully.

The applications exchange subsystem has comprised more such characteristics:

A) the universal card technology of modulation of employing parameter and program development mixed mode

Generally speaking, common applications exchange system all adopts the plug-in unit pattern to finish, particularly to develop a plug-in unit at the interface of an external system exactly, like this when external system interface is many, the workload of program development will be very big, and a large amount of program codes also can cause the complexity of maintenance work.

And in the real work, the interface of external system has certain law governed often, so we have developed the demand that a series of general-purpose interface plug-in units satisfy a type systematic, concrete functional interface then can simply realize by the mode of parameter configuration, 1-2 the order of magnitude that can descend of program development workload like this.

B) realized the interface card container technique

For numerous interface cards, platform provides the container of operation and management, as long as registered plug-ins interface type, interface are concluded the business in container, node, just can move easily.Container and platform feature independently separately, make system architecture more clear, and platform feature exploitation and external system information interaction are independent.

C) provide independently instant testing service instrument

After exploitation is finished, just can utilize platform to provide instant testing tool to carry out interface testing immediately, at this moment do not need all programs all to develop and finish, and external interface is carried out independent test, separated external coordination in development management like this with inner exploitation.

D) provide the general message resolver, finish the compatibility of multiple message format

Platform provides a packet parsing device, is the module of coming out on the data bus.The packet parsing device is independent of service logic and communications protocol, only is concerned about the pattern of message tissue, comprising: character stream, xml, layout character stream and user-defined message or the like.

E) dynamic soft route technology

Can carry out service resolution according to the content of transaction, determine the transmit path of transaction, all routing algorithms all are based on software and realize that performance is efficient.

(4) the monitoring management subsystem of front service platform of the present invention is an important aid guaranteeing the normal operation of front service platform, can in time understand the running status of system by business monitoring platform and system monitoring console, the problem that discovery in time is potential also solves, and avoids system great operation troubles to occur.The monitoring management subsystem comprises the control and monitor console of WINDOWS environment and unix environment.

Its characteristics comprise: system can filter the transaction of monitoring, only follow the tracks of the transaction of those care, greater than 1,000,000 transaction, or specify certain type transaction, the operating position of regional systems resource (CPU, internal memory, active process etc.), the Port Management of background host computer etc. such as the transaction of a trail-and-error or dealing money.

(5) security management subsystem of front service platform of the present invention comprises security of system and application safety, and security of system generally adopts IC-card encryption, user certificate authentication etc., and application safety mainly comprises the checking of teller's authority and the checking of client rights.Security control is to guarantee a professional important prerequisite can normally moving.

1) authorizes

In enterprise and mechanism, usually can organize the user according to the grade hierarchical relationship, determine its mandate by user's role.Therefore, same level and role's user has similar function access rights, and this has just formed the management of user capture and licensing scheme effectively.

Which user is network access authority pay close attention to has authority to visit which class network service.Some network service is had the user of authority, and access rights decision user can reading and writing still carry out Internet resources.

2) teller's Authority Verification

Platform can improve the mandate to the teller, can judge whether the teller has a certain professional operating right according to teller's rank, also can pass through the legitimacy of teller's trading privilege tabulation decision operation, by in front service platform to teller's preliminary purview certification, can reduce the operating pressure of account main frame.

3) Custom Encryption passage

The client can be by providing the mode of encryption function interface, communication packet to bank inside is encrypted, mode relatively more commonly used at present is by IC-card some critical datas to be encrypted, main frame is after receiving message, can decipher message by specific algorithm and public-key cryptography, handle then, platform can adapt to the requirement of this system at an easy rate; Identical for cipher modes such as dynamic password cards in the realization of platform.

Channel of the present invention inserts and is finished by the channel access subsystem, be responsible for treatment facility mutual (comprise transaction request and Returning equipment replied in transaction), and be responsible for and the exchanges data of service process subsystem.The channel access subsystem does not have ability directly to handle transaction, and it has just been taken on one and has transmitted the role, but has brought into play vital role in transmittance process.As shown in Figure 6, channel inserts and comprises the steps:

1) communications protocol switch process, it carries out when the communication modes of the non-TCP/IP of customer end adopted and front service platform are mutual; Generally speaking, adopt TCP/IP then not need this step.

2) checking transaction initiator identity step according to IP address or certificate acquisition parties information, or is obtained message content by transaction initiator's information; The transaction initiator can comprise enterprise side of cabinet face, switching centre of People's Bank of China, ATM, POS, various electronic channel, the networking of various bank or the like.

3) packet parsing step converts various messages the message of service process subsystem identification to, and then passes to service process subsystem again and handle; The request message form of transaction comprises XML, IS08583, class 8583, SWIFT, character stream, separator message, other self-defined messages or the like.

4) distribution transaction step according to type of transaction, sends to service routine relevant in the service process subsystem to transaction by the channel subsystem and handles;

5) treatment step is returned in transaction, and the result of the service routine in the processing subsystem of accepting business returns to client.

The process of business processing of the present invention will be finished all service logics, comprises the management of credential management, flowing water, with bar management, trade identity control, transaction validity checking or the like function.As shown in Figure 7, business processing comprises the steps:

1) transaction validity checking step is used to check the validity of transaction data;

2) core business treatment step is used to finish the logical process of transaction;

3) flowing water management process is used to write down the important information of transaction, guarantees that every transaction can both leave a trace in the flowing water table, and produces unique transaction journal number;

4) voucher treatment step is finished the processing of the various vouchers that described front service platform is produced; Comprise important documents such as all kinds of invoices, declaration form, comprise that configuration is received, functions such as stock and consecutive numbers use.

5) trade identity controlled step is used for handling with the mutual failure of backstage operation system or when overtime, guarantees that transaction can roll back to the state before taking place.Mainly comprise just dashing automatically and retransmitting of transaction.It need be controlled in the whole flow process of business processing.

Wherein, described trade identity controlled step comprises as shown in Figure 8:

1) when the transaction generation is overtime,, judges whether to carry out the transaction after failing according to the configuration parameter of business;

2) if disposed the action of concluding the business after overtime for towards direct action, then described service process subsystem is got transaction automatically towards positive interface format and initiate to dash and just conclude the business;

3) if for the first time towards positive Fail Transaction, service process subsystem can be saved in transaction in the automatic re-transmit queue towards positive message, finish the continuous retransmission function of transaction by the automatic retransmission process of backstage operation system, make original business processing program can receive next transaction request;

4) if having disposed action after overtime attaches most importance to and start to do, then message is saved in the automatic re-transmit queue, finishes the continuous retransmission function of transaction by the automatic retransmission process of backstage operation system;

5) effective time of message is set for the message of automatic repeating transmission, avoids repeatedly being submitted to the backstage operation system on business, finishing towards positive transaction message really.

Applications exchange of the present invention is used for and various heterogeneous system exchanges, and major function comprises functions such as message format conversion, transaction route, communication, answer code conversion.As shown in Figure 9, applications exchange comprises the steps:

1) message format switch process is used for the built-in message of described front service platform is converted to the message format of third party's needs, and perhaps the transaction results message that the third party is returned converts inner data to; Message format comprises XML, 8583, class 8583, character string, separator etc.

2) use route is obtained transaction according to transaction data and product information destination host address;

3) communication is used to finish mutual with various third party's main frames, comprises support and the continuous processing that passes bag to various communications protocol;

4) answer code switch process, the transaction answer code that the third party is returned converts inner consistent transaction answer code to.

Although be the example purpose, preferred implementation of the present invention is disclosed, but those of ordinary skill in the art will recognize that under situation about not breaking away from by the disclosed scope and spirit of the present invention of appending claims, various improvement, increase and replacement are possible.

Claims (12)

1. bank preposing service platforms, it is characterized in that: be connected between channel layer and the background process layer, be used for integrated some kinds of front services, described channel layer is the client that comprises some Terminal Type equipment, described background process layer comprises some backstages operation system, described backstage operation system comprises kernel business of bank system and front service system, and described bank preposing service platforms comprises

The channel access subsystem, the transaction of each operation system of described background process layer that is used to integrate the various client-access bank inside of described channel layer inserts, and makes the unique access point of described front service platform as bank's each operation system of background process layer;

Service process subsystem is used to finish the function that the backstage operation system is provided and carries out integrated processing and realize novel banking thus;

The applications exchange subsystem as the passage of each operation system of described front service platform visit backstage, is used to shield the complicacy of the business interface that each operation system of backstage provides;

The monitoring management subsystem is used to monitor the running status of described front service platform, in time finds potential problem and solves;

And the security control subsystem, be used to guarantee the safe operation of described front service platform.

2. a kind of bank preposing service platforms according to claim 1, it is characterized in that: the access module of described channel access subsystem is divided into built in client pattern and external client mode, built in client is the interface routine that described front service platform carries, and the other side's system development program that supply and demand will insert is called; External client is the interface routine that system had that needs access, calls for described front service platform development sequence.

3. a kind of bank preposing service platforms according to claim 2 is characterized in that: described channel access subsystem comprises,

The TCP/IP access module is used to receive and real-time the processing from the transaction of the built in client initiation of described front service platform;

The HTTPS access module is used to receive and handles in real time from the online payment class transaction of initiating of built in client, described transaction by described security control subsystem safety verification after after be connected to described HTTPS access module;

The asynchronous communication access module is used to receive the asynchronous communication class transaction of initiating from built in client;

The communication access module of external client is used to receive the transaction of initiating from external client;

And the transaction pretreatment module, the transaction that is used for that access subsystem is received is carried out client validation, is obtained processing such as transaction code.

4. a kind of bank preposing service platforms according to claim 1 is characterized in that: the business processing logic of described service process subsystem comprises following any one edition type at least,

Transmitted transaction pre-service version type, transmitted transaction pre-service are to handle the transaction that need be finished by the operation system of background process layer;

Domestic transaction version type, domestic transaction are handled and be meant the transaction that all service logics are only finished on front service platforms;

Integration transaction version type, the integration transaction is meant the business of handling that needs integrated two or more application systems.

5. a kind of bank preposing service platforms according to claim 4 is characterized in that: described service process subsystem comprise business module and public module at least, described public module comprises,

Billing and accounting system pre-process module is used to realize the mapping of kernel business of bank product on described front service platform, makes front service platform become the marketing of core business and accepts platform;

The integrated service processing module is used to realize the business processing to the transaction processing of many application systems environment, directly provides an integration transaction version type to finish development;

Towards positive retransmission process module, be used for handling procedure to overtime transaction, just dashing and retransmitting according to the treatment situation of concluding the business;

The inter-bank Service Processing Module is used to realize to the pre-service of the People's Bank or commercial banking and the function of concluding the business and transmitting;

The client information management module is used to realize the integrated management of client's essential information, client traffic information and client's CAMEL-Subscription-Information;

The credential management module, be used to provide voucher in transit, please lead, issue, typing, return, the number of pin, inquiry and statistical function.

6. a kind of bank preposing service platforms according to claim 5 is characterized in that: the business module of described service process subsystem comprises following any one module at least,

Basic business module, space-ground interface compatibility test module, substitute service module, batch are withheld and are paid a module, gold card business module, buying and selling of foreign currencies module, international clearing business module, stock exchange transaction module, bond business module.

7. a kind of bank preposing service platforms according to claim 1 is characterized in that: described applications exchange subsystem comprises,

Use route,, come the operation system of the background process layer that option dealing need be sent to according to the particular content of transaction data;

The message modular converter is used for the data message of front service platform inside is converted to the interface packets of backstage operation system, and perhaps the message that the backstage operation system is returned converts the built-in message of front service platform to;

The telecommunication module is used to finish between communication one-level and backstage operation system and finishes MESSAGE EXCHANGE, and communication is adopted ICP/IP protocol or adopted some transaction middlewares or the communication middleware.

8. the operation processing method of a bank preposing service platforms as claimed in claim 1 is characterized in that: comprises the steps,

1) outer application system is initiated transaction by the client-side interface part to described front service platform as the client of front service platform;

2) the channel access subsystem of described front service platform is accepted transaction message, carries out pre-service;

3) program of calling service process subsystem is carried out business processing;

4) if transaction needs and outer application system is collaborative finishes, then described service process subsystem can call the program of applications exchange subsystem, and relevant request is forwarded to external system;

5) the applications exchange subsystem is realized calling outside systemic-function by the service interface program of visit outer application system;

6) after external system was finished processing, the applications exchange subsystem returned service process subsystem to result, continued to carry out, and finished the processing procedure of program;

7) result of business processing returns to outside client by the channel access subsystem, finishes process of exchange one time.

9. the operation processing method of a kind of bank preposing service platforms according to claim 8 is characterized in that: the channel of channel access subsystem inserts and comprises the steps described step 2),

The communications protocol switch process, it carries out when the communication modes of the non-TCP/IP of customer end adopted and front service platform are mutual;

Checking transaction initiator identity step according to IP address or certificate acquisition parties information, or is obtained message content by transaction initiator's information;

The packet parsing step converts various messages the message of service process subsystem identification to, and then passes to service process subsystem again and handle;

The distribution transaction step according to type of transaction, sends to service routine relevant in the service process subsystem to transaction by the channel subsystem and handles;

Treatment step is returned in transaction, and the result of the service routine in the processing subsystem of accepting business returns to client.

10. the operation processing method of a kind of bank preposing service platforms according to claim 8, it is characterized in that: the business processing of service process subsystem comprises the steps in the described step 3),

Transaction validity checking step is used to check the validity of transaction data;

The core business treatment step is used to finish the logical process of transaction;

The flowing water management process is used to write down the important information of transaction, guarantees that every transaction can both leave a trace in the flowing water table, and produces unique transaction journal number;

The voucher treatment step is finished the processing of the various vouchers that described front service platform is produced;

The trade identity controlled step is used for handling with the mutual failure of backstage operation system or when overtime, guarantees that transaction can roll back to the state before taking place.

11. the operation processing method of a kind of bank preposing service platforms according to claim 10 is characterized in that: described trade identity controlled step comprises,

When the transaction generation is overtime,, judge whether to carry out the transaction after failing according to the configuration parameter of business;

If disposed the action of concluding the business after overtime for towards direct action, then described service process subsystem is got transaction automatically towards positive interface format and initiate to dash and just conclude the business;

If for the first time towards positive Fail Transaction, service process subsystem can be saved in transaction in the automatic re-transmit queue towards positive message, finish the continuous retransmission function of transaction by the automatic retransmission process of backstage operation system, make original business processing program can receive next transaction request;

Attach most importance to and start to do if disposed action after overtime, then message is saved in the automatic re-transmit queue, finish the continuous retransmission function of transaction by the automatic retransmission process of backstage operation system;

For the message of automatic repeating transmission effective time of message is set, avoids repeatedly being submitted to the backstage operation system on business, finishing towards positive transaction message really.

12. the operation processing method of a kind of bank preposing service platforms according to claim 8 is characterized in that: the applications exchange of applications exchange subsystem comprises the steps in described step 4)-step 6),

The message format switch process is used for the built-in message of described front service platform is converted to the message format of third party's needs, and perhaps the transaction results message that the third party is returned converts inner data to;

Use route and obtain the destination host address of transaction according to transaction data and product information;

Communication is used to finish mutual with various third party's main frames, comprises support and the continuous processing that passes bag to various communications protocol;

The answer code switch process, the transaction answer code that the third party is returned converts inner consistent transaction answer code to.

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