CN113673978B

CN113673978B - Transaction method, system, computer device and storage medium based on SWIFT system

Info

Publication number: CN113673978B
Application number: CN202110975202.8A
Authority: CN
Inventors: 徐立红; 李云峰; 孙艳军; 唐斌斌; 王逸馨; 张庆; 余力; 伍洲; 张宇; 朱长风; 刘雷; 杨畅
Original assignee: State Power Investment Hong Kong Treasury Management Co ltd
Current assignee: State Power Investment Hong Kong Treasury Management Co ltd
Priority date: 2021-08-24
Filing date: 2021-08-24
Publication date: 2022-07-08
Anticipated expiration: 2041-08-24
Also published as: CN113673978A

Abstract

The present disclosure proposes a transaction method, system, computer device and storage medium based on SWIFT system, wherein the method comprises: generating a transfer message in an extensible markup language (XML) format by integrating service information, and acquiring an account bill message from a bank system in a SWIFT NET mode; respectively converting the daily terminal bill message and the daytime bill message into a daily terminal bill file and a daily bill file in an XML format through data processing, and storing the daily terminal bill file and the daily bill file into a first folder; and scanning the first folder regularly to obtain a daily terminal bill file and a daily bill file, analyzing and translating the daily terminal bill file and the daily bill file respectively to obtain the value of each field, storing the value into a corresponding file information database table, and updating a balance table and a detail table of the overseas department library system. Therefore, data interaction between the overseas department library system of the enterprise user and the bank system through the SWIFT system can be realized, the enterprise user can directly process business data of the corresponding account in the bank system in the overseas department library system, the enterprise user can use the system conveniently, and bank-enterprise direct connection is realized.

Description

Transaction method, system, computer device and storage medium based on SWIFT system

Technical Field

The present disclosure relates to the field of data interaction technologies, and in particular, to a transaction method, system, computer device, and storage medium based on SWIFT system.

Background

At present, with the continuous development of science and technology, more and more enterprise users apply systems such as overseas vault systems and the like to provide highly automated enterprise internal business data management for the enterprise users. However, in the business processing that the overseas vault system of the enterprise user needs to perform data interaction with the bank system, the enterprise user needs to log in the bank system (such as internet bank) again to operate, and the business data processing of the bank cannot be realized by directly performing interactive connection with the bank system through the overseas vault system.

Disclosure of Invention

The present disclosure is directed to solving, at least to some extent, one of the technical problems in the related art.

Therefore, the transaction method based on the SWIFT system is provided, and the overseas driver and bank system of the enterprise user is interactively connected with the bank system through the SWIFT system, so that the bank-enterprise direct connection is realized.

In a first aspect, a transaction method based on SWIFT system is provided, the method includes:

integrating the service information to generate a transfer message in an extensible markup language (XML) format, and calling a transfer service interface to send the transfer message to the SWIFT system in a File Transfer Protocol (FTP) mode; receiving the transfer message, sending the transfer message to a bank system in a SWIFT NET mode, and acquiring an account bill message from the bank system in the SWIFT NET mode; the account bill messages comprise daily terminal bill messages and daytime bill messages; respectively converting the terminal daily bill message and the daily bill message into a terminal daily bill file and a daily bill file in XML format through data processing, and storing the terminal daily bill file and the daily bill file into a first folder; and scanning the first folder at regular time, calling a general query interface to acquire the daily terminal bill file and the daily bill file in an FTP (file transfer protocol) mode, analyzing and translating the daily terminal bill file and the daily bill file respectively to acquire the value of each field, and storing the value into a corresponding file information database table respectively to update a balance table and a detail table of the overseas database system.

In some embodiments, the method further comprises: generating a processing record file and/or an error processing record file according to the received transfer message, the final daily bill message and the daytime bill message, and respectively storing the processing record file and/or the error processing record file into a second folder and/or a third folder; scanning the second folder and/or the third folder at regular time, calling a general query interface to acquire the processing record file and/or the error processing record file in an FTP (file transfer protocol) mode, respectively translating and analyzing to acquire the value of each field, and respectively storing the value into a self-established table of the overseas garage system for querying and processing record information and/or error processing record information.

In some embodiments, the method further comprises: and calling a service state inquiry interface, and inquiring the terminal daily bill file, the daytime bill file, the processing record file or the error processing record file to determine the state of each service.

In some embodiments, the method further comprises: integrating the service information to generate the transfer message in an XML format in a mode of exchanging DMEE through a data medium; and respectively converting the daily terminal bill message and the daytime bill message into a daily terminal bill file and a daily bill file in an XML format through data processing in an SAA IPLA mode.

In some embodiments, the method further comprises: at least one user logs in the overseas department library system through a portal system and uploads the service information of the overseas department library system; and the user logs in the overseas driver library system to create, log in or verify the user through the portal system.

In some embodiments, the service information includes: approving the service; the method further comprises the following steps: defining an approval flow in the overseas department library system, calling an approval mechanism arranged in the portal system, approving the approval business and acquiring an approval result; the approval mechanism in the portal system comprises at least one stage of approval process.

In some embodiments, the method further comprises: setting a digital signature for payment-sensitive data in the service information; and verifying the digital signature in the process of processing the payment sensitive data in the service information.

In a second aspect of the present disclosure, a transaction system is provided, the system comprising: the system comprises a first message transmission unit, a SWIFT system and a service information processing unit, wherein the first message transmission unit is used for integrating service information to generate a transfer message in an extensible markup language (XML) format and calling a transfer service interface to send the transfer message to the SWIFT system in a File Transfer Protocol (FTP) mode; the second message transmission unit is used for receiving the transfer message, sending the transfer message to a bank system in a SWIFT NET mode, and acquiring an account bill message from the bank system in the SWIFT NET mode; the account bill messages comprise daily terminal bill messages and daytime bill messages; the first message processing unit is used for respectively converting the daily terminal bill message and the daytime bill message into a daily terminal bill file and a daily bill file in XML format through data processing, and storing the daily terminal bill file and the daily bill file into a first folder; and the translation updating unit is used for scanning the first folder at regular time, calling a general query interface to acquire the daily terminal bill file and the daily bill file in an FTP (file transfer protocol) mode, respectively analyzing and translating to acquire the value of each field, and respectively storing the value into the corresponding file information database table to update the balance table and the detail table of the overseas department library system.

In some embodiments, the system further comprises: the second message processing unit is used for generating a processing record file and/or an error processing record file according to the transfer message, the daily terminal bill message and/or the daytime bill message, and respectively storing the processing record file and/or the error processing record file into a second folder and/or a third folder; and the translation storage unit is used for scanning the second folder and/or the third folder at regular time, calling a general query interface to acquire the processing record file and/or the error processing record file in an FTP (file transfer protocol) mode, respectively performing translation analysis to acquire the value of each field, and respectively storing the value into a self-built table of the overseas department library system for querying the processing record information and/or the error processing record information.

In a third aspect of the present disclosure, a computer device is provided, including: a memory, a processor and a computer program stored on the memory and executable on the processor, when executing the program, implementing the transaction method of the first aspect.

A fourth aspect of the present disclosure is directed to a computer-readable storage medium, having a computer program stored thereon, which when executed by a processor, implements the transaction method of the first aspect.

The technical scheme provided by the embodiment of the disclosure can have the following beneficial effects:

generating a transfer message in an extensible markup language (XML) format by integrating the service information, and calling a transfer service interface to send the transfer message to the SWIFT system in a File Transfer Protocol (FTP) mode; receiving a transfer message, sending the transfer message to a bank system in a SWIFT NET mode, and acquiring an account bill message from the bank system in the SWIFT NET mode; the account bill message comprises a daily terminal bill message and a daytime bill message; respectively converting the daily terminal bill message and the daytime bill message into a daily terminal bill file and a daily bill file in XML format through data processing, and storing the daily terminal bill file and the daily bill file into a first folder; and scanning the first folder regularly, calling a general query interface to obtain a daily terminal bill file and a daily bill file in an FTP (file transfer protocol) mode, analyzing and translating the daily terminal bill file and the daily bill file respectively to obtain the value of each field, and storing the values into corresponding file information database tables respectively to update the balance tables and the detail tables of the overseas database system. Therefore, data interaction between the overseas department library system of the enterprise user and the bank system through the SWIFT system can be realized, the enterprise user can directly realize business data processing on the corresponding account in the bank system through the overseas department library system, the enterprise user can use the system conveniently, and bank-enterprise direct connection is realized.

Drawings

The foregoing and/or additional aspects and advantages of the present disclosure will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:

fig. 1 is a flowchart of a transaction method based on SWIFT system according to an embodiment of the present disclosure;

FIG. 2 is a flow chart of another SWIFT system based transaction method provided by an embodiment of the present disclosure;

fig. 3 is a block diagram of a transaction system based on the SWIFT system according to an embodiment of the present disclosure;

FIG. 4 is a block diagram of another SWIFT system based transaction system provided by an embodiment of the present disclosure;

fig. 5 is a block diagram of a computer device for implementing a SWIFT system based transaction method according to an embodiment of the present disclosure.

Detailed Description

Reference will now be made in detail to the embodiments of the present disclosure, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar functions throughout. The embodiments described below with reference to the drawings are exemplary and intended to be illustrative of the present disclosure, and should not be construed as limiting the present disclosure.

The transaction methods, systems, computer devices, and storage media of embodiments of the present disclosure are described below with reference to the accompanying drawings.

Fig. 1 is a flowchart of a transaction method based on SWIFT system according to an embodiment of the present disclosure.

In the related technology, the bank-enterprise direct connection technology adopts the front-end processor client software provided by an enterprise user installing bank side, and the bank realizes data interaction with an overseas department library system of the enterprise user through the front-end processor client software.

Based on this, the embodiment of the present disclosure provides a transaction method based on a SWIFT system, where an enterprise user overseas department library system interacts with a bank system through the SWIFT system (society for world across financial institution financial telecommunication association systems, global banking financial telecommunication association systems), it can be understood that in the SWIFT system, financial institutions in the global scope can be interconnected, which mainly provide exchange information services for the financial institutions of each bank, and after receiving information, the bank transfers the information to a belonging fund transfer system or a clearing system according to instructions, and then performs fund transfer processing.

Specifically, as shown in fig. 1, the transaction method provided by the embodiment of the present disclosure includes, but is not limited to, the following steps:

s1: and integrating the service information to generate a transfer message in an extensible markup language (XML) format, and calling a transfer service interface to send the transfer message to the SWIFT system in a File Transfer Protocol (FTP) mode.

The enterprise user overseas department library system integrates the service information to generate the transfer message in the XML format. Illustratively, the traffic information includes: remittance and transfer data of enterprise users, and the like; transfer messages, for example: MT101 message in SWIFT message.

In an exemplary embodiment, the transfer service interface may be: YFM _ BKIF _ BANK _ TRANSFER _ API: an assembly/transfer service API (application programming interface). The method comprises the steps of receiving payment remittance information sent by overseas department store system service, integrating the payment remittance information to generate a transfer message in an XML format, and sending the transfer message to the SWIFT system in an FTP (file transfer protocol) mode.

It can be understood that in the embodiment of the present disclosure, the communication protocol for realizing interaction between the overseas library system and the SWIFT system is FTP, and therefore, the transfer message is sent to the SWIFT system in an FTP manner.

In the embodiment of the disclosure, the enterprise user oversea driver library system is directly connected with the bank system through the SWIFT system, and the interaction data between the oversea driver library system and the SWIFT system needs to be according to the requirements of SWIFT messages, wherein the oversea driver library system performs data interaction by using the transfer messages in the XML format and the SWIFT system, and can meet the requirements of the data transmission format of the SWIFT system.

S2: receiving a transfer message, sending the transfer message to a bank system in a SWIFT NET mode, and acquiring an account bill message from the bank system in the SWIFT NET mode; the account bill message comprises a daily terminal bill message and a daytime bill message.

In the embodiment of the disclosure, the SWIFT system and the bank system are in an interactive mode, the SWIFT system sends the received transfer message to the bank system in a SWIFT NET mode, and after receiving the transfer message, the bank system performs transfer or remittance and other processing to generate an account bill message; the account bill message comprises a daily terminal bill message and a daytime bill message. Illustratively, the account billing message includes: MT940 daily terminal bill message and MT942 daily bill message in SWIFT message.

S3: and respectively converting the final daily bill message and the daily bill message into a final daily bill file and a daily bill file in an XML format through data processing, and storing the final daily bill file and the daily bill file into a first folder.

It can be understood that, in the embodiment of the present disclosure, the bank-enterprise direct connection is implemented between the enterprise user overseas driver library system and the bank system through the SWIFT system, and the interactive data between the SWIFT system and the bank system needs to be according to the requirement of the SWIFT message.

The terminal day bill file and the daytime bill file are stored in a first folder, and the first folder can be a Received folder. Of course, the first folder may also be other folders, which may be set as needed, and this disclosure does not specifically limit this.

S4: and scanning the first folder regularly, calling a general query interface to obtain a daily terminal bill file and a daily bill file in an FTP (file transfer protocol) mode, analyzing and translating the daily terminal bill file and the daily bill file respectively to obtain the value of each field, and storing the values into corresponding file information database tables respectively to update the balance tables and the detail tables of the overseas database system.

It can be understood that the overseas driver library system scans the first folder at regular time, and can scan the first folder at a certain frequency, so as to monitor the change of the data of the first folder and obtain the updated file in the first folder in time, thereby realizing the update of the service data of the overseas driver library system.

In an exemplary embodiment, the generic query interface may be: YFM _ BKIF _ ACCOUNT _ inquiry _ API: the general inquiry API of the bank account realizes that the overseas department library system inquires the transaction details and the account balance of the bank account in the bank system.

In the embodiment of the disclosure, the overseas department store system scans the first folder regularly, and because the daily terminal bill file and the daily bill file are stored in the first folder, the overseas department store system scans the first folder regularly to obtain the daily terminal bill file and the daily bill file. The communication protocol between the overseas driver library system and the SWIFT system is FTP, and the overseas driver library system acquires a daily terminal bill file and a daily bill file from a first folder of the SWIFT system in an FTP mode.

It can be understood that, because the obtained daily terminal bill file and the daily bill file are in XML format files, the overseas vault system cannot directly read the files, and the XML format files need to be parsed and translated into file formats that can be read by the overseas vault system.

It should be noted that the overseas vault system provided by the embodiment of the present disclosure is also applicable to enterprises across countries or regions, so as to build a horizontal integrated and longitudinally through full-process fund management, service and work platform for users of enterprises across countries, centrally manage, uniformly allocate and comprehensively operate full-caliber financial resources of users of member units inside and outside users of enterprises across countries, comprehensively improve global financial resource intensive management and control capability of users of enterprises across countries, and enhance efficiency.

According to the transaction method based on the SWIFT system, the transfer message in the extensible markup language XML format is generated by integrating the service information, and the transfer service interface is called to send the transfer message to the SWIFT system in a File Transfer Protocol (FTP) mode; receiving a transfer message, sending the transfer message to a bank system in a SWIFT NET mode, and acquiring an account bill message from the bank system in the SWIFT NET mode; the account bill messages comprise daily terminal bill messages and daytime bill messages; respectively converting the daily terminal bill message and the daytime bill message into a daily terminal bill file and a daily bill file in XML format through data processing, and storing the daily terminal bill file and the daily bill file into a first folder; and scanning the first folder regularly, calling a general query interface to obtain a daily terminal bill file and a daily bill file in an FTP (file transfer protocol) mode, analyzing and translating the daily terminal bill file and the daily bill file respectively to obtain the value of each field, and storing the values into corresponding file information database tables respectively to update the balance tables and the detail tables of the overseas database system. Therefore, data interaction between the overseas department library system of the enterprise user and the bank system through the SWIFT system can be realized, the enterprise user can directly realize business data processing on the corresponding account in the bank system through the overseas department library system, the enterprise user can use the system conveniently, and bank-enterprise direct connection is realized.

Fig. 2 is a flowchart of another transaction method based on SWIFT system according to an embodiment of the disclosure.

As shown in fig. 2, the transaction method provided by the embodiment of the present disclosure includes, but is not limited to, the following steps:

s11: and integrating the service information to generate a transfer message in an extensible markup language (XML) format, and calling a transfer service interface to send the transfer message to the SWIFT system in a File Transfer Protocol (FTP) mode.

S12: receiving a transfer message, sending the transfer message to a bank system in a SWIFT NET mode, and acquiring an account bill message from the bank system in the SWIFT NET mode; the account bill message comprises a daily terminal bill message and a daytime bill message.

S13: and respectively converting the final daily bill message and the daily bill message into a final daily bill file and a daily bill file in an XML format through data processing, and storing the final daily bill file and the daily bill file into a first folder.

S14: and scanning the first folder regularly, calling a general query interface to obtain a daily terminal bill file and a daily bill file in an FTP (file transfer protocol) mode, analyzing and translating the daily terminal bill file and the daily bill file respectively to obtain the value of each field, and storing the values into corresponding file information database tables respectively to update the balance tables and the detail tables of the overseas database system.

In the embodiments S11 to S14 of the present disclosure and the embodiments S1 to S4 of the foregoing embodiments have the same or similar technical effects, and for the description of the specific implementation of S11 to S14, reference may be made to the description of the specific implementation of S1 to S4 of the foregoing embodiments, and details are not repeated here.

S15: and generating a processing record file and/or an error processing record file according to the received transfer message, the daily terminal bill message and the daytime bill message, and respectively storing the processing record file and/or the error processing record file into a second folder and/or a third folder.

In the embodiment of the disclosure, the SWIFT system receives the transfer message sent by the overseas department store system, and the daily terminal bill message and the daily bill message sent by the bank system, analyzes and summarizes the transfer message, generates the processing record file and/or the error processing record file, and respectively stores the processing record file and/or the error processing record file into the second folder and/or the third folder.

In an exemplary embodiment, the SWIFT system receives a transfer message sent by an overseas department store system, and a daily terminal bill message and a daily bill message sent by a bank system, analyzes and summarizes the transfer message, generates an ACKNAK processing record file, and stores the ACKNAK processing record file in a Notification folder; and the SWIFT system receives the transfer message sent by the overseas driver library system and the terminal day bill message and the daytime bill message sent by the bank system, analyzes and summarizes the transfer message, generates an ERROR ERROR processing record file, and stores the ERROR ERROR processing record file into an ERROR folder.

It can be understood that the processing record file can be service data submitted by an overseas vault system, account balance change generated, and transaction detail change, and an ACKNAK record file and an ERROR record file can be obtained through comparative analysis according to the obtained transfer message sent by the overseas vault system, and a daily end bill message and a daily bill message sent by a bank system.

It should be noted that, the second folder is a Notification folder and the third folder is an Error folder, which are only used as examples, and a person skilled in the art may select other folders meeting the requirement as the second folder or the third folder as needed, and the disclosure does not specifically limit this.

S16: and scanning the second folder and/or the third folder at regular time, calling a general query interface to acquire a processing record file and/or an error processing record file in an FTP (file transfer protocol) mode, translating and analyzing to acquire the value of each field respectively, and storing the value into a self-established table of an overseas driver library system respectively for querying processing record information and/or error processing record information.

It can be understood that the overseas driver library system scans the second folder and/or the third folder at regular time, and may scan the second folder and/or the third folder at a certain frequency, so as to monitor the change of the data of the second folder and/or the third folder, and obtain the updated file in the second folder and/or the third folder in time, so as to update the service data of the overseas driver library system.

In the embodiment of the present disclosure, the overseas vault system regularly scans the second folder and/or the third folder, and since the second folder stores the ACKNAK record file, the third folder stores the ERROR record file, and the overseas vault system regularly scans the second folder and/or the third folder, the ACKNAK record file and/or the ERROR record file can be obtained. And under the condition that the communication protocol between the overseas garage system and the SWIFT system is FTP, the overseas garage system acquires an ACKNAK recording file from a second folder of the SWIFT system and/or acquires an ERROR recording file from a third folder in an FTP mode.

Wherein, the general query interface may be: YFM _ BKIF _ ACCOUNT _ inquiry _ API: the general inquiry API of the bank account realizes the inquiry of the overseas library system for processing the record information and/or the error processing record information.

In some embodiments, the transaction method provided in the embodiments of the present disclosure further includes: and calling a service state inquiry interface, and determining the state of each service by inquiring the terminal daily bill file, the daytime bill file, the processing record file or the error processing record file.

The query service state interface may be: YFM _ BKIF _ BANK _ CHKPAYM _ API: the API for the state of the remittance/transfer service is queried. And inquiring the bank processing state of each remittance \ transfer service according to the payment list of the service data in the overseas department-store system.

It will be appreciated that the query service status interface is not connected to the SWIFT system, but rather performs a simulation process of querying the overseas vault system to periodically scan the acquired end-of-day billing files, day-of-day billing files, processing records and/or error processing records to determine the status of each statement of payment.

In some embodiments, the overseas vault system integrates the service information to generate the transfer message in the XML format by means of data medium exchange (DMEE).

In the embodiment of the disclosure, the overseas vault system integrates executed service information (such as remittance) into a transfer message in an XML format in a DMEE manner, so as to meet the requirement of file transmission interaction of the SWIFT system, thereby realizing data interaction between the overseas vault system and the SWIFT system, and further performing data interaction with a bank system through the SWIFT system, thereby realizing direct connection of bank and enterprise.

In some embodiments, the SWIFT system converts the daily end bill message and the daytime bill message into a daily end bill file and a daily bill file in XML format, respectively, by means of SAA IPLA (SWIFT architecture integration platform).

It can be understood that, in the embodiment of the present disclosure, the file format of data transmission between the overseas vault system and the SWIFT system is an XML format, and the format of the daily end bill message and the daily end bill message acquired by the SWIFT system from the bank system is an MT FIN message format, so that, in order to implement data interactive transmission with the overseas vault system, the SWIFT system needs to convert the format of the daily end bill message and the daily end bill message acquired by the bank system into an XML format.

In the embodiment of the disclosure, the daily terminal bill message and the daily bill message are respectively converted into the daily terminal bill file and the daily bill file in XML format through data processing in the SAA IPLA manner, and are stored in corresponding folders, so that the overseas vault system can scan the corresponding folders of the SWIFT system to identify and acquire the corresponding files, read the business data, realize direct connection of the bank and the enterprise, and acquire the bill information, the balance information, the transaction detail information, and the like.

Illustratively, in the embodiment of the present disclosure, the SWIFT system receives the MT940 message and the MT942 message in the SWIFT message sent by the banking system, and converts the messages into the XML-formatted file through the SAA IPLA, so as to store the XML-formatted file in the corresponding folder.

In some embodiments, at least one user logs in the overseas vault system through the portal system and uploads the service information of the overseas vault system; wherein, the user logs in the overseas driver library system to create, log in or verify the user through the portal system.

It will be appreciated that the user logging into the overseas vault system is via a portal system, and in particular, the portal system also provides user creation and authentication functions to manage the user accessing the overseas vault system.

In an exemplary embodiment, a user logs in a portal system and enters an overseas vault system by clicking a single sign-on button, wherein after clicking the single sign-on button, the user opens a verification interface of the overseas vault system, and calls a Central Authentication System (CAS) verification service of the portal system to verify whether a user name and a login password are valid or not by using the user name and the login password as parameters, and under the condition that the portal system is verified to be valid, the user can directly access the overseas vault system, and the user does not need to perform login password verification again on the overseas vault system, so that password login of the non-border vault system can be realized.

In an exemplary embodiment, the overseas vault system provides a URL (Uniform Resource Locator) to the portal system, so that a menu of the overseas vault system is embedded in the portal system, and a user logging in the portal system can enter the overseas vault system by clicking a single-point login button, wherein after clicking the single-point login button, the user opens a verification interface of the overseas vault system, and calls a CAS (central authentication system) verification service of the portal system to verify whether a user name and a login password are valid or not by using the user name and the login password as parameters to enter, and when the portal system is verified to be valid, the user can directly access the overseas vault system, and the user does not need to perform login password verification again on the overseas vault system, so that password logging in of the offsite vault system can be realized, and the overseas vault system provides the URL to the portal system, the portal system is embedded with the menu of the overseas warehouse system, so that the user can conveniently inquire the report.

In some embodiments, the traffic information includes: approving the service; the method further comprises the following steps: defining an approval flow in an overseas department library system, calling an approval mechanism arranged in a portal system, approving the approval business and acquiring an approval result; the approval mechanism in the portal system comprises at least one stage of approval process.

It can be understood that, at the present stage, the oversea driver library system does not have a function of service approval, and in the embodiment of the present disclosure, the oversea driver library system invokes an approval mechanism set in the portal system to implement the function of service approval.

Wherein, the approval flow is defined in the overseas department store system, for example: the flow of approval A101, account opening application; approval flow a102, account opening approval-counter business. Approval results, for example: the business state is approval or approval return.

Specifically, the overseas vault system calls an approval mechanism arranged in the portal system, initiates approval service, provides an approval service type, a service number, an approval flow type and a service URL to the portal system, and generates an instance ID (identity) of the approval flow in the portal system. The service URL can facilitate the user to check the service information during examination and approval.

In the embodiment of the disclosure, the approval mechanism in the portal system includes at least one stage of approval process, that is, when the overseas driver library system calls the portal system to perform service approval, the portal system may perform one stage or multistage approval, the portal system calls one overseas driver library system callback service at each stage of approval, the service state is changed into approval or approval return, the overseas driver library system is only related to the last stage of approval process under the condition of the existence of the multistage approval process, and the portal system feeds back the final approval result to the overseas driver library system after the multistage approval. The approval callback service is integrally filtered, and filtering of each approval flow is not needed.

The approval callback may be failed, under a general condition, the failure of the business operation of the overseas library system does not affect the approval action of the approval user, and the overseas library system can execute the callback action again or display an error reason if the callback action is not executed correctly.

In some embodiments, the transaction method provided by the embodiments of the present disclosure further includes: setting a digital signature for payment-sensitive data in the service information; and verifying the digital signature in the process of processing the payment sensitive data in the service information.

In the embodiment of the disclosure, the overseas vault system uses the digital signature to realize the retention of business processing traces and the prevention of the change of key information. Data sensitive to payment in the service information, such as: the data of the account of the payee, the payment amount, the currency and the like uses a digital signature.

The process of processing payment-sensitive data in the service information includes, for example: the method comprises the steps of storing business documents, submitting the business documents, storing payment application forms, storing the payment forms, calling a payment module and the like, and verifying the digital signature in the processes.

The digital signature can use a Webdynpro embedded JS code to call a related interface API of the overseas library system of the user, and the running environment is the user terminal. The digital signature verification can use an overseas driver library system to call the service of a Portal server, the Portal server calls a digital certificate server JAVA service verification mode, and the overseas driver library system cannot call a related interface API (application program interface) of JAVA and carries out one-time forwarding.

In some embodiments, the overseas driver library system parses the translation end-of-day bill file, the inter-day bill file, the processing log file, and the error processing log file, respectively, by means of Transformation.

Illustratively, the overseas department store system scans different folders in the SWIFT system at regular time to obtain a daily terminal bill file, a daily bill file, a processing record file and an error processing record file, analyzes and translates different files, and obtains balance information, transaction detail information, service processing information and the like.

In an exemplary embodiment, the overseas vault system scans a Received folder of the SWIFT system, obtains a daily terminal bill file and a daytime bill file, respectively analyzes and translates the daily terminal bill file and the daily bill file in a Transformation manner, obtains a value corresponding to each field, and respectively stores the values into corresponding file information database tables to update balance tables and detail tables of the overseas vault system, so that enterprise users can directly check balance information and transaction detail information of bank accounts corresponding to the bank system through the overseas vault system, thereby realizing direct connection of bank and enterprise and facilitating operation of the enterprise users.

In an exemplary embodiment, the overseas vault system scans a Notification folder of the SWIFT system, acquires processing record files, respectively analyzes and translates the processing record files in a transformational manner, acquires values corresponding to each field, and respectively stores the values into a self-established table of the overseas vault system, so that enterprise users of the overseas vault system can query and process record information, bank-enterprise direct connection is realized, enterprise user operation is facilitated, all processing records can be reserved, and service information of the enterprise users can be conveniently self-checked and exception traced.

In an exemplary embodiment, the overseas vault system scans an Error folder of the SWIFT system, acquires Error processing record files, analyzes and translates the Error processing record files respectively in a transformational manner, acquires values corresponding to each field, and stores the values into a self-established table of the overseas vault system respectively so that enterprise users of the overseas vault system can query Error processing record information, thereby realizing direct connection of bank and enterprise, facilitating operation of enterprise users, retaining all Error processing records, and facilitating self-checking and exception tracing of business information of the enterprise users.

In some embodiments, the overseas vault system of the enterprise user in the embodiments of the present disclosure implements interaction with the bank system through the SWIFT system, where a communication Protocol between the overseas vault system and the SWIFT system is in an FTP manner, and a service data transfer is required to be processed in a background of the overseas vault system in an FTP manner, and the file interaction between the personal terminal of the enterprise user and the SWIFT system is not involved, and a communication Protocol between the overseas vault system and the SWIFT system adopts a standard remote connection in an FTP manner, such as a TCP or an IP (Transmission Control Protocol/Internet Protocol ) connection.

In order to implement the above embodiments, the present disclosure further provides a transaction system based on the SWIFT system.

Fig. 3 is a block diagram of a transaction system based on the SWIFT system according to an embodiment of the present disclosure.

As shown in fig. 3, the system 10 includes: a first message transfer unit 11, a second message transfer unit 12, a first message handling unit 13 and a translation update unit 14.

The first message transmission unit 11 is configured to integrate the service information to generate a transfer message in an extensible markup language XML format, and call a transfer service interface to send the transfer message to the SWIFT system in a file transfer protocol FTP manner.

The second message transmission unit 12 is configured to receive the transfer message, send the transfer message to the bank system in a SWIFT NET manner, and obtain an account bill message from the bank system in a SWIFT NET manner; the account bill message comprises a daily terminal bill message and a daytime bill message.

The first message processing unit 13 is configured to convert the daily end bill message and the daytime bill message into a daily end bill file and a daily bill file in XML formats through data processing, and store the daily end bill file and the daily bill file in the first folder.

And the translation updating unit 14 is configured to scan the first folder at regular time, call a general query interface to obtain a daily terminal bill file and the daily bill file in an FTP manner, perform parsing and translation respectively to obtain a value of each field, store the value in a corresponding file information database table, and update a balance table and a detail table of the overseas warehouse system.

In the transaction system based on the SWIFT system provided by the embodiment of the disclosure, the first message transmission unit 11 integrates service information to generate a transfer message in an extensible markup language (XML) format, and calls a transfer service interface to send the transfer message to the SWIFT system in a File Transfer Protocol (FTP) manner; the second message transmission unit 12 receives the transfer message, transmits the transfer message to the bank system in a SWIFT NET mode, and acquires the account bill message from the bank system in a SWIFT NET mode; the account bill messages comprise daily terminal bill messages and daytime bill messages; the first message processing unit 13 converts the daily terminal bill message and the daytime bill message into a daily terminal bill file and a daily bill file in XML format through data processing, and stores the daily terminal bill file and the daily bill file in a first folder; the translation updating unit 14 scans the first folder at regular time, calls the general query interface to obtain a daily terminal bill file and a daily bill file in an FTP manner, analyzes and translates the daily terminal bill file and the daily bill file respectively to obtain a value of each field, and stores the value into a corresponding file information database table respectively to update a balance table and a detail table of the overseas database system. Therefore, the transaction system is provided, data interaction between the overseas department library system of the enterprise user and the bank system can be realized through the SWIFT system, business data processing is carried out on the corresponding account in the bank system through the overseas department library system, the enterprise user can use the transaction system conveniently, and bank-enterprise direct connection is realized.

Based on the above embodiments, the embodiments of the present disclosure also provide another possible implementation manner of a transaction system based on the SWIFT system.

Fig. 4 is a block diagram of another transaction system based on SWIFT system according to an embodiment of the present disclosure.

As shown in fig. 4, on the basis of the system 10 disclosed in fig. 3, the transaction system 10 provided in the embodiment of the present disclosure further includes: a second message handling unit 15 and a translation memory unit 16.

The second message processing unit 15 is configured to generate a processing record file and/or an error processing record file according to the transfer message, the daily end bill message and/or the daytime bill message, and store the processing record file and/or the error processing record file in the second folder and/or the third folder, respectively.

And the translation storage unit 16 is used for scanning the second folder and/or the third folder at regular time, calling a general query interface to acquire a processing record file and/or an error processing record file in an FTP (file transfer protocol) manner, respectively performing translation analysis to acquire a value of each field, and respectively storing the value into a self-established table of the overseas vault system for querying the processing record information and/or the error processing record information.

With continued reference to fig. 4, in some embodiments, the system 10 further includes a service status query unit 17.

And the service state query unit 17 is used for calling a query service state interface and determining the state of each service by querying a daily terminal bill file, a daily bill file, a processing record file or an error processing record file.

The present disclosure also provides a computer device, a readable storage medium, and a computer program product according to embodiments of the present disclosure.

Fig. 5 is a block diagram of a computer device for implementing a SWIFT system based transaction method of an embodiment of the present disclosure.

Computer devices are intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The computer device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be examples only, and are not meant to limit implementations of the disclosure described and/or claimed herein.

As shown in fig. 5, the computer device 500 includes a computing unit 501, which can perform various appropriate actions and processes according to a computer program stored in a Read Only Memory (ROM)502 or a computer program loaded from a storage unit 508 into a Random Access Memory (RAM) 503. In the RAM503, various programs and data required for the operation of the device 500 can also be stored. The calculation unit 501, the ROM502, and the RAM503 are connected to each other by a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.

A number of components in the computer device 500 are connected to the I/O interface 505, including: an input unit 506 such as a keyboard, a mouse, or the like; an output unit 507 such as various types of displays, speakers, and the like; a storage unit 508, such as a magnetic disk, optical disk, or the like; and a communication unit 509 such as a network card, modem, wireless communication transceiver, etc. The communication unit 509 allows the device 500 to exchange information/data with other devices through a computer network such as the internet and/or various telecommunication networks.

The computing unit 501 may be a variety of general and/or special purpose processing components with processing and computing capabilities. Some examples of the computing unit 501 include, but are not limited to, a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), various dedicated Artificial Intelligence (AI) computing chips, various computing units running machine learning model algorithms, a Digital Signal Processor (DSP), and any suitable processor, controller, microcontroller, and so forth. The computing unit 501 performs the various methods and processes described above, such as a transaction method.

For example, in some embodiments, the transaction methods may be implemented as a computer software program tangibly embodied in a machine-readable medium, such as storage unit 508. In some embodiments, part or all of the computer program may be loaded and/or installed onto device 500 via ROM502 and/or communications unit 509. When the computer program is loaded into the RAM503 and executed by the computing unit 501, one or more steps of the transaction method described above may be performed. Alternatively, in other embodiments, the computing unit 501 may be configured to perform the transaction method by any other suitable means (e.g., by way of firmware).

Various implementations of the systems and techniques described here above may be implemented in digital electronic circuitry, integrated circuitry, Field Programmable Gate Arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Application Specific Standard Products (ASSPs), system on a chip (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, receiving data and instructions from, and transmitting data and instructions to, a storage system, at least one input device, and at least one output device.

Program code for implementing the transaction methods of the present disclosure may be written in any combination of one or more programming languages. These program codes may be provided to a processor or controller of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the program codes, when executed by the processor or controller, cause the functions/operations specified in the flowchart and/or block diagram to be performed. The program code may execute entirely on the machine, partly on the machine, as a stand-alone software package, partly on the machine and partly on a remote machine or entirely on the remote machine or server.

In the context of this disclosure, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

To provide for interaction with a user, the systems and techniques described here can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which a user can provide input to the computer. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in a computing system that includes a back-end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back-end, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), Wide Area Networks (WANs), the internet, and blockchain networks.

The computer system may include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The Server may be a cloud Server, also called a cloud computing Server or a cloud host, and is a host product in a cloud computing service system, so as to solve the defects of high management difficulty and weak service extensibility in a traditional physical host and VPS service ("Virtual Private Server", or "VPS" for short). The server may also be a server of a distributed system, or a server incorporating a blockchain.

It should be understood that various forms of the flows shown above may be used, with steps reordered, added, or deleted. For example, the steps described in the present application may be executed in parallel, sequentially, or in different orders, and are not limited herein as long as the desired results of the technical solutions disclosed in the present disclosure can be achieved.

The above detailed description should not be construed as limiting the scope of the disclosure. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may be made in accordance with design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present disclosure should be included in the scope of protection of the present disclosure.

In the description herein, references to the description of the terms "one embodiment," "some embodiments," "an example," "an exemplary embodiment," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the disclosure. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one of the feature. In the description of the present disclosure, "a plurality" means at least two, e.g., two, three, etc., unless explicitly specifically limited otherwise.

Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logic function or process, and alternate implementations are included within the scope of the preferred embodiment of the present disclosure in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the embodiments of the present disclosure.

The logic and/or steps represented in the flowcharts or otherwise described herein, e.g., an ordered listing of executable instructions that can be considered to implement logical functions, can be embodied in any computer-readable medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions. For the purposes of this description, a "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of the computer-readable medium would include the following: an electrical connection (electronic device) having one or more wires, a portable computer diskette (magnetic device), a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable compact disc read-only memory (CDROM). Further, the computer-readable medium could even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via for instance optical scanning of the paper or other medium, then compiled, interpreted or otherwise processed in a suitable manner if necessary, and then stored in a computer memory.

It should be understood that portions of the present disclosure may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. If implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are well known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.

It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.

In addition, functional units in the embodiments of the present disclosure may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.

The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc. Although embodiments of the present disclosure have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present disclosure, and that changes, modifications, substitutions and alterations may be made to the above embodiments by those of ordinary skill in the art within the scope of the present disclosure.

Claims

1. A transaction method based on SWIFT system, the method comprising:

integrating the service information to generate a transfer message in an extensible markup language (XML) format, and calling a transfer service interface to send the transfer message to the SWIFT system in a File Transfer Protocol (FTP) mode;

receiving the transfer message, sending the transfer message to a bank system in a SWIFT NET mode, and acquiring an account bill message from the bank system in the SWIFT NET mode; the account bill messages comprise daily terminal bill messages and daytime bill messages;

respectively converting the terminal daily bill message and the daily bill message into a terminal daily bill file and a daily bill file in XML format through data processing, and storing the terminal daily bill file and the daily bill file into a first folder;

scanning the first folder at regular time, calling a general query interface to acquire the daily terminal bill file and the daytime bill file in an FTP (file transfer protocol) mode, respectively analyzing and translating in a Transformation mode to acquire a value of each field, respectively storing the value into a corresponding file information database table, and updating a balance table and a detail table of the overseas department store system; the periodically scanning the first folder comprises: the overseas driver library system scans the first folder at a certain frequency, monitors the change of the data of the first folder and acquires the updated files in the first folder in time;

the method further comprises the following steps:

generating a processing record file and/or an error processing record file according to the received transfer message, the final daily bill message and the daytime bill message, and respectively storing the processing record file and/or the error processing record file to a second folder and/or a third folder; the processing record file is generated by comparing and analyzing the business data submitted by the overseas department bank system, the generated account balance change and the transaction detail change according to the obtained transfer message sent by the overseas department bank system and the daily terminal bill message and the daily bill message sent by the bank system;

scanning the second folder and/or the third folder at regular time, calling a general query interface to acquire the processing record file and/or the error processing record file in an FTP (file transfer protocol) mode, respectively translating and analyzing to acquire the value of each field, and respectively storing the value into a self-established table of the overseas garage system for querying processing record information and/or error processing record information; the periodically scanning the second folder and/or the third folder includes: the overseas vault system scans the second folder and/or the third folder at a certain frequency, so as to monitor the change of the data of the second folder and/or the third folder and timely acquire updated files in the second folder and/or the third folder;

calling a service state inquiry interface, and inquiring the terminal daily bill file, the daytime bill file, the processing record file or the error processing record file to determine the state of each service;

integrating the service information to generate the transfer message in an XML format in a mode of exchanging DMEE through a data medium; and

respectively converting the daily terminal bill message and the daytime bill message into a daily terminal bill file and a daily bill file in an XML format through data processing in an SAA IPLA mode;

at least one user logs in the overseas department library system through a portal system and uploads the service information of the overseas department library system; wherein, the user logs in the overseas driver library system to create, log in or verify the user through the portal system; the oversea driver library system provides URL (uniform resource locator) to the portal system, so that a menu of the oversea driver library system is embedded into the portal system, and a user enters the oversea driver library system by clicking a single-point login button after logging in the portal system, wherein the user opens an authentication interface of the oversea driver library system after clicking the single-point login button, calls CAS (system operating System) authentication service of the portal system to verify whether a user name and a login password are valid or not by taking the user name and the login password as parameters to be transmitted, and directly accesses the oversea driver library system by the user under the condition that the portal system is verified to be valid;

defining an approval flow in the overseas driver library system, calling an approval mechanism arranged in the portal system, approving the approval business and acquiring an approval result; the system comprises a portal system and a client side, wherein an approval mechanism in the portal system comprises at least one level of approval process; the overseas driver library system calls an approval mechanism arranged in the portal system, initiates approval service, provides approval service types, service numbers, approval flow types and service URLs to the portal system, and generates instance IDs of approval flows in the portal system; the service URL can facilitate the user to check the service information during examination and approval; when the overseas driver library system calls the portal system to carry out service approval, the portal system carries out one-stage or multi-stage approval, the portal system calls the callback service of the overseas driver library system once in each stage of approval, the service state is changed into approval or approval return, the overseas driver library system is only related to the last-stage approval process under the condition that a multi-stage approval process exists, and the portal system feeds back the final approval result to the overseas driver library system after the multi-stage approval; when the examination and approval callback fails, the overseas library system executes the callback action again or displays the error reason if the callback action is not executed correctly;

setting a digital signature for payment-sensitive data in the service information;

verifying a digital signature in the process of processing payment sensitive data in the service information, wherein the digital signature uses a Webdynpro embedded JS code to call a related interface API of a user overseas driver library system, and the operating environment is a user terminal; and the verification of the digital signature uses an overseas library system to call the service of a Portal server, and the Portal server calls a digital certificate server JAVA service for verification.

2. A transaction system based on the SWIFT system, the system comprising:

the system comprises a first message transmission unit, a SWIFT system and a service information processing unit, wherein the first message transmission unit is used for integrating service information to generate a transfer message in an extensible markup language (XML) format and calling a transfer service interface to send the transfer message to the SWIFT system in a File Transfer Protocol (FTP) mode;

the second message transmission unit is used for receiving the transfer message, sending the transfer message to a bank system in a SWIFT NET mode, and acquiring an account bill message from the bank system in the SWIFT NET mode; the account bill message comprises a daily terminal bill message and a daytime bill message;

the first message processing unit is used for respectively converting the daily terminal bill message and the daytime bill message into a daily terminal bill file and a daily bill file in XML format through data processing, and storing the daily terminal bill file and the daily bill file into a first folder;

the translation updating unit is used for scanning the first folder at regular time, calling a general query interface to acquire the daily terminal bill file and the daily bill file in an FTP (file transfer protocol) mode, respectively analyzing and translating in a transformational mode to acquire the value of each field, respectively storing the value into a corresponding file information database table, and updating a balance table and a detail table of the overseas department library system; the periodically scanning the first folder comprises: scanning the first folder at a certain frequency, monitoring the change of the data of the first folder, and acquiring the updated file in the first folder in time;

the record file generating unit is used for generating a processing record file and/or an error processing record file according to the received transfer message, the final daily bill message and the daytime bill message, and respectively storing the processing record file and/or the error processing record file into a second folder and/or a third folder; the processing record file is generated by comparing and analyzing the business data submitted by the overseas department bank system, the generated account balance change and the transaction detail change according to the obtained transfer message sent by the overseas department bank system and the daily terminal bill message and the daily bill message sent by the bank system;

the scanning unit is used for scanning the second folder and/or the third folder at regular time, calling a general query interface to acquire the processing record file and/or the error processing record file in an FTP (file transfer protocol) mode, respectively translating and analyzing to acquire a value of each field, and respectively storing the value into a self-built table of the overseas department library system for querying processing record information and/or error processing record information; the periodically scanning the second folder and/or the third folder includes: the overseas department library system scans the second folder and/or the third folder at a certain frequency, so as to monitor the change of the data of the second folder and/or the third folder and timely acquire updated files in the second folder and/or the third folder;

the service state determining unit is used for calling a service state inquiring interface and determining the state of each service by inquiring the terminal daily bill file, the daytime bill file, the processing record file or the error processing record file;

the bill file format conversion unit is used for integrating the service information to generate the transfer message in an XML format in a mode of exchanging the DMEE through a data medium; and converting the daily terminal bill message and the daytime bill message into a daily terminal bill file and a daily bill file in an XML format through data processing in an SAA IPLA mode;

the service information uploading unit is used for logging in the overseas department library system by at least one user through a portal system and uploading service information of the user; wherein, the user logs in the overseas driver library system to create, log in or verify the user through the portal system; the oversea driver library system provides URL (uniform resource locator) to the portal system, so that a menu of the oversea driver library system is embedded into the portal system, and a user enters the oversea driver library system by clicking a single-point login button after logging in the portal system, wherein the user opens an authentication interface of the oversea driver library system after clicking the single-point login button, calls CAS (system operating System) authentication service of the portal system to verify whether a user name and a login password are valid or not by taking the user name and the login password as parameters to be transmitted, and directly accesses the oversea driver library system by the user under the condition that the portal system is verified to be valid;

the approval module is used for defining approval flows in the overseas department library system, calling an approval mechanism arranged in the portal system, approving the approval business and acquiring approval results; the system comprises a portal system and a client side, wherein an approval mechanism in the portal system comprises at least one level of approval process; the overseas driver library system calls an approval mechanism arranged in the portal system, initiates approval service, provides approval service types, service numbers, approval flow types and service URLs to the portal system, and generates instance IDs of approval flows in the portal system; the service URL can facilitate the user to check the service information during examination and approval; when the overseas driver library system calls the portal system to carry out service approval, the portal system carries out one-stage or multi-stage approval, the portal system calls the callback service of the overseas driver library system once in each stage of approval, the service state is changed into approval or approval return, the overseas driver library system is only related to the last-stage approval process under the condition that a multi-stage approval process exists, and the portal system feeds back the final approval result to the overseas driver library system after the multi-stage approval; when the approval callback fails, the overseas driver library system executes the callback action again or displays the error reason if the callback action is not executed correctly;

the digital signature unit is used for setting a digital signature for payment-sensitive data in the service information;

3. A computer device, comprising: memory, processor and computer program stored on the memory and executable on the processor, which when executed by the processor, implements the transaction method of claim 1.

4. A computer-readable storage medium, on which a computer program is stored, which program, when executed by a processor, carries out the transaction method according to claim 1.