CN101364331A - System and method implementing service cooperation process between banks - Google Patents
System and method implementing service cooperation process between banks Download PDFInfo
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- CN101364331A CN101364331A CNA200810222958XA CN200810222958A CN101364331A CN 101364331 A CN101364331 A CN 101364331A CN A200810222958X A CNA200810222958X A CN A200810222958XA CN 200810222958 A CN200810222958 A CN 200810222958A CN 101364331 A CN101364331 A CN 101364331A
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Abstract
The invention discloses a system for implementing the interbank service cooperation processing. The system comprises a plurality of bank-to-bank cooperation processing devices which are connected to one another via an interbank network, wherein each bank-to-bank cooperation processing device is connected with at least one bank transaction terminal via an external network and is connected with at least a bank specific service device via an internal network. The invention further discloses a method for implementing the interbank service cooperation processing. The system and the method enable the banks to be interconnected via the bank-to-bank cooperation processing devices, adopt the prior trading channels and the prior business processing system of the banks to complete the financial product cooperation and the cash management service among different banks, solve various problems that the customers need to use the services of different banks, allow the banking systems to support the interbank financial service cooperation, and meet the requirements that the customers buy the inter-bank financial products and use the inter-bank cash management service.
Description
Technical field
The present invention relates to financial field computer network processing technology field, particularly relate to a kind of system and method for realizing the professional collaboration process of interbank.
Background technology
Banking system generally can only provide financial service for the client who opens an account at it at present, when the client needs inter-bank to transfer accounts, banking system need offset for each tame bank carries out position by the People's Bank as intermediary agency, thereby realizes the transfer accounts requirement of client between each bank.This mode business processing efficient is not high, and need pay corresponding cost to the People's Bank.
And development along with the bank financing business, the client finds that more and more the finance services that unit bank provides can't satisfy its business demand, need how tame bank to provide different services for it, analogy A bank is client's the bank of deposit, is well suited for him but the client finds a finance product that B bank provides.Traditional banking system can only be supported the inter-bank money transfer transactions, can not support the transaction of inter-bank finance product.The client can only go to open an account to B bank, and forwards its fund in A bank to B bank, buys the finance product of B bank then.
Cause the client to open an account like this at how tame different bank, hold a lot bankbook or card on hand, need a lot of account passwords of memory, often run the different bank's cabinet faces of many families or need login simultaneously to use the Net silver system etc. of how tame bank, make the client feel very loaded down with trivial details.
How to make banking system can support the cooperation of inter-bank finance services, satisfy client's inter-bank and buy the needs of finance product and inter-bank cash management, this problem has caused the concern of banking industry, and presses for and take some ways to improve service quality, and helps the client to solve practical problems.
Summary of the invention
(1) technical matters that will solve
In view of this, fundamental purpose of the present invention is to provide a kind of system and method for realizing the professional cooperation of interbank, makes banking system can support the cooperation of inter-bank finance services, satisfies the needs that client's inter-bank is bought finance product and inter-bank cash management.
(2) technical scheme
For achieving the above object, the technical solution used in the present invention is as follows:
A kind of system that realizes the professional collaboration process of interbank, this system includes a plurality of silver-colored collaboration process devices that connect by interbank network, each silver-colored collaboration process device is connected at least one bank transaction terminal by bank's external network, and is connected at least one bank's particular service device by bank's internal network.
In the such scheme, the silver-colored collaboration process device of described silver is used to receive the service request of submitting to from bank transaction terminal or the silver-colored collaboration process device that is connected with self, and judge that service request is business of this trade or inter-bank business, if business of this trade is then submitted to this service request the particular procedure device of one's own profession and is handled; If the inter-bank business then submits to the silver-colored collaboration process device that is connected with self by interbank network with this service request and handle, and receive the result that this silver-colored collaboration process device that is connected with self returns.
In the such scheme, the silver-colored collaboration process device of described silver comprises:
Data storage device is used to store the contract signing relationship of lead bank and assistant bank, and the service of goods of assistant bank tabulation; Lead bank is the bank that is used for organizing and implementing the interbank cooperation, and assistant bank is connected with lead bank, specifically implements the bank of interbank cooperation;
Data processing equipment, be used to discern the type of transaction request, according to product category data query memory storage, the product that obtains the product category correspondence provides bank, be confirmed to be the transaction of one's own profession transaction or inter-bank, and the product category legitimacy in the affirmation transaction request data, whether product provides bank to sign an agreement with one's own profession, and calls different interfaces according to the type of the request instruction after the identification and handle;
Customer interface is used for being connected with bank transaction terminal by bank's external network, receives the client trading request, submits to transaction data to handle to data processing equipment, and the result of transaction is returned to bank transaction terminal;
Yin Yin cooperation interface, be used for being connected with the silver-colored cooperative devices of assistant bank by interbank network, assistant bank provides the transaction request of service to send to the silver-colored collaboration process device of bank of doing jointly with request, receives the result of returning from the silver-colored collaboration process device of bank of doing jointly; And receive and to come from the transaction request that the bank of doing jointly requires to provide service, result is returned to the assistant bank of the request of initiation;
The service of goods interface is used for being connected with particular service device by bank's internal network, and the particular service device that the transaction request of asking the one's own profession service of goods is sent to one's own profession is carried out finance product dealing or account's processing, and receives result.
In the such scheme, described data processing equipment comprises at least:
Main Processor Unit is the main control unit of data processing equipment, is used to call the processing that transaction identification unit, service of goods unit or transaction retransmission unit are finished client trading;
The transaction identification unit is used to receive the trading instruction from customer interface, silver-colored cooperation interface, is condition with the product category, the data query memory storage, and the product that obtains the product category correspondence provides bank; Provide for one's own profession as fruit product, then be the one's own profession transaction; Manageing it for him as fruit product provides, and needs judge product provides bank whether to sign an agreement with one's own profession, and whether legal to confirm the product category in the transaction request data, it is legal to confirm, then this to conclude the business be that inter-bank is concluded the business; After the identification transaction request, transaction data and type of transaction identifying information are passed to Main Processor Unit;
The service of goods unit is used for the one's own profession transaction data with request one's own profession service of goods, sends to this bank particular service device by the service of goods interface and handles, and receive result;
The transaction retransmission unit is used for the inter-bank transaction data with the silver-colored collaboration product service of request, sends to the bank of doing jointly by the silver-colored cooperation interface of silver and handles, and receive result.
In the such scheme, described Main Processor Unit calls the processing that transaction identification unit, service of goods unit or transaction retransmission unit are finished client trading, specifically comprise: at first call the trading instruction of transaction identification unit reception from customer interface, silver-colored cooperation interface, and identification type of transaction, if this transaction is the one's own profession transaction, then calls the service of goods unit and handle; If the inter-bank transaction is then called the transaction retransmission unit and is handled.
In the such scheme, described transaction data comprises the transaction card number or conclude the business account number, transaction code, products transactions at least, dealing money, exchange hour and transaction place.
In the such scheme, described data processing equipment calls different interfaces according to the type of the request instruction after discerning and handles, and specifically comprises: for the inter-bank transaction, data processing equipment calls silver-colored cooperation interface changes the bank's processing of doing jointly; For the one's own profession transaction, data processing equipment calls the service of goods interface changes the one's own profession processing.
A kind of method that realizes the professional collaboration process of interbank, be applied to include the system of the professional collaboration process of realization interbank of a plurality of silver-colored collaboration process devices that connect by interbank network, each silver-colored collaboration process device is connected at least one bank transaction terminal by bank's external network, and be connected at least one bank's particular service device by bank's internal network, this method comprises:
A, silver-colored collaboration process device receive the service request from bank transaction terminal or the silver-colored collaboration process device submission that is connected with self;
B, silver-colored collaboration process device judge that the service request that receives is business of this trade or inter-bank business, if business of this trade, then execution in step C; If inter-bank business, then execution in step D;
The particular procedure device that C, silver-colored collaboration process device are submitted to one's own profession with this service request is handled, and finishes;
D, silver-colored collaboration process device are submitted to the silver-colored collaboration process device that is connected with self by interbank network with this service request and are handled, and receive the result that this silver-colored collaboration process device that is connected with self returns.
In the such scheme, silver-colored collaboration process device described in the step B judges that the service request that receives is business of this trade or inter-bank business, further comprises:
The type of the data processing equipment identification transaction request in the silver-colored collaboration process device, inquire about data storage device in the silver-colored collaboration process device according to product category, the product that obtains the product category correspondence provides bank, be confirmed to be business of this trade or inter-bank business, and be that inter-bank is confirmed the product category legitimacy in the transaction request data when professional, whether product provides bank to sign an agreement with one's own profession, calls different interfaces according to the type of the request instruction after the identification then transaction request is handled.
In the such scheme, described type according to the request instruction after the identification is called different interfaces transaction request is handled, and specifically comprises:
If request instruction belongs to business of this trade, then calling the service of goods interface handles this request instruction, be connected with particular service device by bank's internal network, the particular service device that the transaction request of asking the one's own profession service of goods is sent to one's own profession is carried out finance product dealing or account's processing, and receives result;
If request instruction belongs to the inter-bank business, then calling silver-colored cooperation interface handles this request instruction, be connected with the silver-colored cooperative devices of assistant bank by interbank network, assistant bank provides the transaction request of service to send to the silver-colored collaboration process device of bank of doing jointly with request, receives the result of returning from the silver-colored collaboration process device of bank of doing jointly.
(3) beneficial effect
From technique scheme as can be seen, the present invention has following beneficial effect:
1, utilizes the present invention, interconnect by the silver-colored collaboration process device of silver between each bank, realized utilizing the existing transaction terminal channel of bank, and existing transaction processing system, carry out finance product cooperation and cash management service between different bank, solve well that the client need use how tame different bank service and all kinds of problems that cause make banking system can support the cooperation of inter-bank finance services, satisfied the needs that client's inter-bank is bought finance product and inter-bank cash management.
2, the system and method for the professional collaboration process of this realization interbank provided by the invention, utilize the services channels of interbank cooperation, interconnect by the silver-colored collaboration process device of silver between each bank, realized utilizing the existing transaction terminal channel of bank, and existing transaction processing system, carry out finance product cooperation and cash management service between different bank, solved the problem that existing banking system can not realize the transaction of finance product inter-bank well, realized client's inter-bank purchase finance product, the requirement of inter-bank cash management, and improved the efficient of system handles inter-bank business.
3, the system and method for the professional collaboration process of this realization interbank provided by the invention, imitating the alleviation client needs bull to open an account, preserve bankbook, the card of a plurality of different banks, remember the situation of a plurality of passwords, make the client handle financial business and become efficient and convenient, and bank can obtain the income of expense of doing jointly, thereby make bank can obtain bigger income by the business of other banks of doing jointly.Therefore, the present invention can make bank (or relevant financial institution), client benefit from it.
Description of drawings
Fig. 1 is the structural representation of the professional collaboration process of realization interbank provided by the invention system;
Fig. 2 is the structural representation of the silver-colored collaboration process device of silver provided by the invention;
Fig. 3 is the structural representation of data processing equipment provided by the invention;
Fig. 4 is the method flow diagram of the professional collaboration process of realization interbank provided by the invention;
Fig. 5 is a method flow diagram of realizing B bank client purchase A bank product according to first embodiment of the invention;
Fig. 6 realizes the method flow diagram of B bank client by A banker's buying rate C bank product according to second embodiment of the invention.
Embodiment
The present invention is a kind of system and method for realizing the professional collaboration process of interbank, each bank is by disposing silver-colored collaboration process device, and connect by banking network, the existing transaction processing systems of channel and bank such as the existing cabinet face of each bank, Net silver, telephone bank be can utilize, finance product cooperation and cash management service between different bank realized.
As shown in Figure 1, Fig. 1 is the structural representation of the professional collaboration process of realization interbank provided by the invention system, this system includes a plurality of silver-colored collaboration process devices 1 that connect by interbank network, each silver-colored collaboration process device 1 is connected at least one bank transaction terminal 2 by bank's external network, and is connected at least one bank's particular service device 3 by bank's internal network.
Silver-colored collaboration process device 1 can with the shared cover machinery and equipment of other application systems of bank, also can be an independent application server, be characterized in the service of can Processing Ag cooperating in the ranks.Silver-colored collaboration process device 1 is connected with bank transaction terminal 2 by bank's external network, and bank transaction terminal 2 is the terminals of accepting this row client trading request, can be various peripheral hardware terminals such as PC, telephone set, self-aided terminal, cabinet face.Silver-colored collaboration process device 1 is connected with bank particular service device 3 by bank's internal network, what particular service device 3 was moved is the existing application system that bank handles specific products service (as finance product purchase, account transfer etc.), is responsible for carrying out business processing such as finance product dealing, account's processing.Silver-colored collaboration process device 1 is connected with the silver-colored collaboration process device B1 of at least one other bank by interbank network 4, and interbank network 4 is meant the interbank network of handling cooperative business between the bank.
Preferably, silver-colored collaboration process device 1 can be connected with the silver-colored collaboration process device of a plurality of other banks, with the business cooperation of realization with a plurality of banks, improves the automaticity and the treatment effeciency of system handles.In this case, have a tame bank to be in the middle position of network, organize and implement the interbank cooperation by him, be commonly referred to as " lead bank ", other are called " bank of doing jointly " with the bank that this bank is connected.As shown in Figure 1, A bank is connected respectively with B bank, C bank, and when B bank and C bank need implement the reciprocity cooperation by A bank, A bank was called lead bank, and B bank and C bank are the bank of doing jointly.
As shown in Figure 2, Fig. 2 is the structural representation of the silver-colored collaboration process device of silver provided by the invention.Silver-colored collaboration process device 1 is used to receive the service request of submitting to from bank transaction terminal 2 or the silver-colored collaboration process device that is connected with self, and judge that service request is business of this trade or inter-bank business, if business of this trade is then submitted to this service request the particular procedure device of one's own profession and is handled; If the inter-bank business then submits to the silver-colored collaboration process device that is connected with self by interbank network with this service request and handle, and receive the result that this silver-colored collaboration process device that is connected with self returns.
Silver-colored collaboration process device 1 further comprises data storage device 10, data processing equipment 11, customer interface 12, silver-colored cooperation interface 13 and service of goods interface 14.Wherein:
The contract signing relationship of described data storage device 10 storage lead banks and assistant bank, and the service of goods of assistant bank tabulation.Interbank is by contract signing relationship, and the service of goods that agreement is cooperated with each other is tabulated, and the mode of cooperation and expense etc.Only have between the bank of contract signing relationship, just may implement professional cooperation.
Described data processing equipment 11 is responsible for the type of identification transaction request, and data processing equipment 11 is according to product category data query memory storage 10, and the product that obtains the product category correspondence provides bank, is confirmed to be the transaction of one's own profession transaction or inter-bank; And the product category legitimacy in the affirmation transaction request data, whether product provides bank to sign an agreement with one's own profession.And according to the type of request instruction after the identification, call different interfaces and handle, silver-colored cooperation interface 13 is then called in transaction for inter-bank changes the bank of doing jointly and handles, and then calls service of goods interface 14 for the one's own profession transaction and changes one's own professions and handle.
Described customer interface 12 is responsible for being connected with transaction terminal 2 by bank's external network, receives the client trading request, submits to transaction data to handle for data processing equipment 11, and the result of transaction is returned to transaction terminal 2;
The silver-colored cooperation interface 13 of described silver is responsible for being connected with the silver-colored cooperative devices of assistant bank by interbank network 4, the assistant bank of request is provided the transaction request of service, send to the silver-colored collaboration process device of bank of doing jointly, and receive the result of returning from the bank of doing jointly; Also be used to receive and come from the transaction request that the bank of doing jointly requires to provide service, and result is returned to former request bank.
Described service of goods interface 14 is responsible for being connected with particular service device 3 by bank's internal network, the particular service device 13 that the transaction request of asking the one's own profession service of goods is sent to one's own profession is carried out business processing processing such as finance product dealing, account's processing, and receives result.
Described data processing equipment 11 is responsible for the requests of identification client trading, and according to the type of request instruction, determines that this transaction is that one's own profession is handled, and still cooperative bank's processing is submitted to corresponding processing means and handled.Which comprises at least Main Processor Unit 110, transaction identification unit 111, service of goods unit 112 and transaction retransmission unit 113.
The trading instruction that transaction identification unit 111 receives from customer interface 12, silver-colored cooperation interface 13 is a condition with the product category, data query memory storage 20, and the product that obtains the product category correspondence provides bank.Provide for one's own profession as fruit product, then be the one's own profession transaction; Manageing it for him as fruit product provides, and needs judge product provides bank whether to sign an agreement with one's own profession, and whether legal to confirm the product category in the transaction request data, it is legal to confirm, then this to conclude the business be that inter-bank is concluded the business.After the identification transaction request, transaction data and type of transaction identifying information are passed to Main Processor Unit 30, comprise transaction card number (account number), transaction code, products transactions in the transaction data at least, dealing money, exchange hour, transaction place etc.
The one's own profession transaction data of one's own profession service of goods is responsible for asking in service of goods unit 112, by service of goods interface 14, sends to this bank particular service device 13 and handles, and receive result.
Based on the system of Fig. 1 to the professional collaboration process of realization interbank shown in Figure 3, Fig. 4 shows the method flow diagram of the professional collaboration process of realization interbank provided by the invention, be applied to Fig. 1 to the system that includes the professional collaboration process of realization interbank of a plurality of silver-colored collaboration process devices that connect by interbank network shown in Figure 3, each silver-colored collaboration process device is connected at least one bank transaction terminal by bank's external network, and be connected at least one bank's particular service device by bank's internal network, this method comprises:
Step 401: silver-colored collaboration process device receives the service request from bank transaction terminal or the silver-colored collaboration process device submission that is connected with self;
Step 402: silver-colored collaboration process device judges that the service request that receives is business of this trade or inter-bank business, if business of this trade, then execution in step 403; If the inter-bank business, then execution in step 404;
Step 403: the particular procedure device that silver-colored collaboration process device is submitted to one's own profession with this service request is handled, and finishes;
Step 404: silver-colored collaboration process device is submitted to the silver-colored collaboration process device that is connected with self by interbank network with this service request and is handled, and receives the result that this silver-colored collaboration process device that is connected with self returns.
In the above-mentioned steps 402, the silver-colored collaboration process device of described silver judges that the service request that receives is business of this trade or inter-bank business, further comprise: the type of the data processing equipment identification transaction request in the silver-colored collaboration process device, inquire about data storage device in the silver-colored collaboration process device according to product category, the product that obtains the product category correspondence provides bank, be confirmed to be business of this trade or inter-bank business, and be that inter-bank is confirmed the product category legitimacy in the transaction request data when professional, whether product provides bank to sign an agreement with one's own profession, calls different interfaces according to the type of the request instruction after the identification then transaction request is handled.
Above-mentioned type according to the request instruction after the identification is called different interfaces transaction request is handled, specifically comprise: if request instruction belongs to business of this trade, then calling the service of goods interface handles this request instruction, be connected with particular service device by bank's internal network, the particular service device that the transaction request of asking the one's own profession service of goods is sent to one's own profession is carried out finance product dealing or account's processing, and receives result; If request instruction belongs to the inter-bank business, then calling silver-colored cooperation interface handles this request instruction, be connected with the silver-colored cooperative devices of assistant bank by interbank network, assistant bank provides the transaction request of service to send to the silver-colored collaboration process device of bank of doing jointly with request, receives the result of returning from the silver-colored collaboration process device of bank of doing jointly.
Further specify with embodiment below, utilize the system of the professional collaboration process of this realization interbank provided by the invention, realize the specific implementation of the professional cooperation of interbank.
Embodiment 1 has described the client that B opens a bank account, the finance product that provides by B banker's buying rate A bank.
As shown in Figure 5, Fig. 5 is a method flow diagram of realizing B bank client purchase A bank product according to first embodiment of the invention, and this method may further comprise the steps:
Step 100:B bank client comprises at least that by B bank transaction terminal B2 input interbank finance product purchase-transaction request msg product category, product provide bank, product quantity, card number (account number), dealing money etc.;
Step 101:B bank transaction terminal B2 is transferred to the transaction request data the silver-colored collaboration process device B1 of B bank by B bank external network;
Step 103: transaction identification unit 111 data query memory storages 10, confirm the product category legitimacy in the transaction request data, promptly product provides A bank of bank to sign an agreement with one's own profession.After confirming to pass through, transaction request data and transaction classification information are returned to Main Processor Unit 110.
Step 104: Main Processor Unit 110 is " inter-bank transaction " according to this transaction classification of transaction identification unit 111 identifications, calls transaction retransmission unit 113 and handles;
Step 105: transaction retransmission unit 113 by silver-colored cooperation interface 13, through the AB interbank network, is delivered to the inter-bank transaction data the silver-colored collaboration process device 1 of A bank and is handled.
The silver-colored collaboration process device 1 of step 106:A bank is by the transaction data of AB interbank network reception from B bank.
Step 108: Main Processor Unit 110 is " one's own profession transaction " according to transaction identification unit 111 these transaction types of identification, calls service of goods unit 112 and handles.
Step 109: service of goods unit 112 by bank's internal network, is transferred to A bank particular service device 3 with this transaction, transaction request is carried out business processing such as finance product dealing, account's processing.
Step 110: service of goods unit 112 receives the result of particular service device 3, and this transaction is designated " handling ".
The silver-colored collaboration process device 1 of step 111:A bank returns to B bank by the AB interbank network with the result.
The silver-colored collaboration process device B1 of step 112:B bank calls transaction retransmission unit 113, receives the transaction processing result that A bank returns from the silver-colored cooperation interface 13 of silver.
The silver-colored collaboration process device B1 of step 113:B bank returns to B bank transaction terminal B2 by bank's external network with the result.
Step 114:B bank transaction terminal B2 represents the result of transaction to the client, and result can be divided into " Transaction Success ", " Fail Transaction " " etc.
Embodiment 2 has described the client that B opens a bank account, and by the transition of A bank, buys the finance product that C bank provides.Because A bank has respectively with B, C bank and is connected, and B, C interbank do not connect, so A bank is called " lead bank ", are responsible for the cooperation of organizing and implementing B, C interbank; B, C bank are called " bank of doing jointly ".
As shown in Figure 6, Fig. 6 realizes the method flow diagram of B bank client by A banker's buying rate C bank product according to second embodiment of the invention, and this method may further comprise the steps:
Step 200:B bank client comprises at least that by B bank transaction terminal B2 input interbank finance product purchase-transaction request msg product category, product provide bank, product quantity, card number (account number), dealing money etc.;
Step 201:B bank transaction terminal B2 is transferred to the transaction request data the silver-colored collaboration process device B1 of B bank by B bank external network;
Step 203: transaction identification unit 111 data query memory storages 10, confirm the product category legitimacy in the transaction request data, promptly product provides bank to sign an agreement with one's own profession.After checking, transaction request data and interface identifying information are returned to Main Processor Unit 110.
Step 204: Main Processor Unit 110 is " inter-bank transaction " according to this transaction classification of transaction identification unit 111 identifications, calls transaction retransmission unit 113 and handles;
Step 205: transaction retransmission unit 113 by silver-colored cooperation interface 13, through the AB interbank network, is delivered to the inter-bank transaction data the silver-colored collaboration process device 1 of the A of lead bank and is handled.
Step 206: the silver-colored collaboration process device 1 of the A of lead bank is by the transaction data of AB interbank network reception from B bank.
Step 207: the transaction identification unit 111 in the silver-colored collaboration process device 1 of the A of lead bank receives transaction request, and according to product category data query memory storage 10, it is C bank that the product that obtains the product category correspondence provides bank, and this transaction classification is " inter-bank transaction ".
Step 208: transaction identification unit 111 is according to product category data query memory storage 10, confirm the product category legitimacy in the transaction request data, promptly signatory with one's own profession, the product of B bank of transaction request bank provides C bank of bank also signatory with one's own profession.After confirming to pass through, transaction request data and transaction classification information are returned to Main Processor Unit 110.
Step 209: Main Processor Unit 110 is " inter-bank transaction " according to this transaction classification of transaction identification unit 111 identifications, calls transaction retransmission unit 113 and handles.
Step 210: by silver-colored cooperation interface 13, through the AC interbank network, the silver-colored collaboration process device C1 that delivers to the C of bank that does jointly handles transaction retransmission unit 113 with the inter-bank transaction data.
Step 211: the silver-colored collaboration process device C1 of the C of bank that does jointly is by the transaction data of AC interbank network reception from A bank.
Step 213: Main Processor Unit 110 is " one's own profession transaction " according to transaction identification unit 111 these transaction types of identification, calls service of goods unit 112 and handles.
Step 214: service of goods unit 112 by bank's internal network, is transferred to C bank particular service device 3 with this transaction, transaction request is carried out business processing such as finance product dealing, account's processing.。
Step 215: service of goods unit 112 receives the result of particular service device 3, and this transaction is designated " handling ".
Step 216: the silver-colored collaboration process device C1 of the C of bank that does jointly returns to A bank by the AC interbank network with the result.
Step 217: the silver-colored collaboration process device 1 of the A of lead bank receives the result that the C of bank that does jointly returns.
Step 218: the silver-colored collaboration process device 1 of the A of lead bank returns to the B of bank that does jointly by the AB interbank network with the result.
Step 219: the silver-colored collaboration process device B1 of the B of bank that does jointly receives the transaction processing result that A bank returns.
The silver-colored collaboration process device B1 of step 220:B bank returns to B bank transaction terminal B2 by bank's external network with the result.
Step 221:B bank transaction terminal B2 represents the result of transaction to the client, and result can be divided into " Transaction Success ", " Fail Transaction " etc.
Above-described specific embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is specific embodiments of the invention; be not limited to the present invention; within the spirit and principles in the present invention all, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1, a kind of system that realizes the professional collaboration process of interbank, it is characterized in that, this system includes a plurality of silver-colored collaboration process devices that connect by interbank network, each silver-colored collaboration process device is connected at least one bank transaction terminal by bank's external network, and is connected at least one bank's particular service device by bank's internal network.
2, the system of the professional collaboration process of realization interbank according to claim 1, it is characterized in that, the silver-colored collaboration process device of described silver is used to receive the service request of submitting to from bank transaction terminal or the silver-colored collaboration process device that is connected with self, and judge that service request is business of this trade or inter-bank business, if business of this trade is then submitted to this service request the particular procedure device of one's own profession and is handled; If the inter-bank business then submits to the silver-colored collaboration process device that is connected with self by interbank network with this service request and handle, and receive the result that this silver-colored collaboration process device that is connected with self returns.
3, the system of the professional collaboration process of realization interbank according to claim 1 and 2 is characterized in that the silver-colored collaboration process device of described silver comprises:
Data storage device is used to store the contract signing relationship of lead bank and assistant bank, and the service of goods of assistant bank tabulation; Lead bank is the bank that is used for organizing and implementing the interbank cooperation, and assistant bank is connected with lead bank, specifically implements the bank of interbank cooperation;
Data processing equipment, be used to discern the type of transaction request, according to product category data query memory storage, the product that obtains the product category correspondence provides bank, be confirmed to be the transaction of one's own profession transaction or inter-bank, and the product category legitimacy in the affirmation transaction request data, whether product provides bank to sign an agreement with one's own profession, and calls different interfaces according to the type of the request instruction after the identification and handle;
Customer interface is used for being connected with bank transaction terminal by bank's external network, receives the client trading request, submits to transaction data to handle to data processing equipment, and the result of transaction is returned to bank transaction terminal;
Yin Yin cooperation interface, be used for being connected with the silver-colored cooperative devices of assistant bank by interbank network, assistant bank provides the transaction request of service to send to the silver-colored collaboration process device of bank of doing jointly with request, receives the result of returning from the silver-colored collaboration process device of bank of doing jointly; And receive and to come from the transaction request that the bank of doing jointly requires to provide service, result is returned to the assistant bank of the request of initiation;
The service of goods interface is used for being connected with particular service device by bank's internal network, and the particular service device that the transaction request of asking the one's own profession service of goods is sent to one's own profession is carried out finance product dealing or account's processing, and receives result.
4, the system of the professional collaboration process of realization interbank according to claim 3 is characterized in that described data processing equipment comprises at least:
Main Processor Unit is the main control unit of data processing equipment, is used to call the processing that transaction identification unit, service of goods unit or transaction retransmission unit are finished client trading;
The transaction identification unit is used to receive the trading instruction from customer interface, silver-colored cooperation interface, is condition with the product category, the data query memory storage, and the product that obtains the product category correspondence provides bank; Provide for one's own profession as fruit product, then be the one's own profession transaction; Manageing it for him as fruit product provides, and needs judge product provides bank whether to sign an agreement with one's own profession, and whether legal to confirm the product category in the transaction request data, it is legal to confirm, then this to conclude the business be that inter-bank is concluded the business; After the identification transaction request, transaction data and type of transaction identifying information are passed to Main Processor Unit;
The service of goods unit is used for the one's own profession transaction data with request one's own profession service of goods, sends to this bank particular service device by the service of goods interface and handles, and receive result;
The transaction retransmission unit is used for the inter-bank transaction data with the silver-colored collaboration product service of request, sends to the bank of doing jointly by the silver-colored cooperation interface of silver and handles, and receive result.
5, the system of the professional collaboration process of realization interbank according to claim 4 is characterized in that, described Main Processor Unit calls the processing that transaction identification unit, service of goods unit or transaction retransmission unit are finished client trading, specifically comprises:
At first call the trading instruction of transaction identification unit reception from customer interface, silver-colored cooperation interface, and the identification type of transaction, if this transaction is the one's own profession transaction, then calls the service of goods unit and handle; If the inter-bank transaction is then called the transaction retransmission unit and is handled.
6, the system of the professional collaboration process of realization interbank according to claim 4 is characterized in that, described transaction data comprises the transaction card number or conclude the business account number, transaction code, products transactions at least, dealing money, exchange hour and transaction place.
7, the system of the professional collaboration process of realization interbank according to claim 3 is characterized in that, described data processing equipment calls different interfaces according to the type of the request instruction after discerning and handles, and specifically comprises:
For the inter-bank transaction, data processing equipment calls silver-colored cooperation interface changes the bank's processing of doing jointly; For the one's own profession transaction, data processing equipment calls the service of goods interface changes the one's own profession processing.
8, a kind of method that realizes the professional collaboration process of interbank, be applied to include the system of the professional collaboration process of realization interbank of a plurality of silver-colored collaboration process devices that connect by interbank network, each silver-colored collaboration process device is connected at least one bank transaction terminal by bank's external network, and be connected at least one bank's particular service device by bank's internal network, it is characterized in that this method comprises:
A, silver-colored collaboration process device receive the service request from bank transaction terminal or the silver-colored collaboration process device submission that is connected with self;
B, silver-colored collaboration process device judge that the service request that receives is business of this trade or inter-bank business, if business of this trade, then execution in step C; If inter-bank business, then execution in step D;
The particular procedure device that C, silver-colored collaboration process device are submitted to one's own profession with this service request is handled, and finishes;
D, silver-colored collaboration process device are submitted to the silver-colored collaboration process device that is connected with self by interbank network with this service request and are handled, and receive the result that this silver-colored collaboration process device that is connected with self returns.
9, the method for the professional collaboration process of realization interbank according to claim 8 is characterized in that, silver-colored collaboration process device described in the step B judges that the service request that receives is business of this trade or inter-bank business, further comprises:
The type of the data processing equipment identification transaction request in the silver-colored collaboration process device, inquire about data storage device in the silver-colored collaboration process device according to product category, the product that obtains the product category correspondence provides bank, be confirmed to be business of this trade or inter-bank business, and be that inter-bank is confirmed the product category legitimacy in the transaction request data when professional, whether product provides bank to sign an agreement with one's own profession, calls different interfaces according to the type of the request instruction after the identification then transaction request is handled.
10, the method for the professional collaboration process of realization interbank according to claim 9 is characterized in that, described type according to the request instruction after the identification is called different interfaces transaction request is handled, and specifically comprises:
If request instruction belongs to business of this trade, then calling the service of goods interface handles this request instruction, be connected with particular service device by bank's internal network, the particular service device that the transaction request of asking the one's own profession service of goods is sent to one's own profession is carried out finance product dealing or account's processing, and receives result;
If request instruction belongs to the inter-bank business, then calling silver-colored cooperation interface handles this request instruction, be connected with the silver-colored cooperative devices of assistant bank by interbank network, assistant bank provides the transaction request of service to send to the silver-colored collaboration process device of bank of doing jointly with request, receives the result of returning from the silver-colored collaboration process device of bank of doing jointly.
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| CNA200810222958XA CN101364331A (en) | 2008-09-24 | 2008-09-24 | System and method implementing service cooperation process between banks |
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| CNA200810222958XA CN101364331A (en) | 2008-09-24 | 2008-09-24 | System and method implementing service cooperation process between banks |
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| CN101577718B (en) * | 2009-06-23 | 2015-09-02 | 用友软件股份有限公司 | Multi-ebanking adaptive system |
| CN106294125A (en) * | 2016-07-25 | 2017-01-04 | 重庆农村商业银行股份有限公司 | Core banking system data processing method |
| CN106846143A (en) * | 2016-12-26 | 2017-06-13 | 中国建设银行股份有限公司 | A kind of cooperation object access method and system and bank management system |
| CN108711098A (en) * | 2018-05-21 | 2018-10-26 | 阿里巴巴集团控股有限公司 | The processing method and processing device of service request |
| CN109087191A (en) * | 2018-06-21 | 2018-12-25 | 深圳壹账通智能科技有限公司 | Bank client resource share method, device, server and system |
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| CN101577718B (en) * | 2009-06-23 | 2015-09-02 | 用友软件股份有限公司 | Multi-ebanking adaptive system |
| CN106294125A (en) * | 2016-07-25 | 2017-01-04 | 重庆农村商业银行股份有限公司 | Core banking system data processing method |
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| CN106846143A (en) * | 2016-12-26 | 2017-06-13 | 中国建设银行股份有限公司 | A kind of cooperation object access method and system and bank management system |
| CN108711098A (en) * | 2018-05-21 | 2018-10-26 | 阿里巴巴集团控股有限公司 | The processing method and processing device of service request |
| CN109087191A (en) * | 2018-06-21 | 2018-12-25 | 深圳壹账通智能科技有限公司 | Bank client resource share method, device, server and system |
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| CN111949337A (en) * | 2020-08-07 | 2020-11-17 | 中国建设银行股份有限公司 | Accounting processing method, device, terminal and storage medium |
| CN111949337B (en) * | 2020-08-07 | 2023-11-07 | 中国建设银行股份有限公司 | Accounting processing method, device, terminal and storage medium |
| CN113159935A (en) * | 2021-05-27 | 2021-07-23 | 中国银行股份有限公司 | To-do service processing method and device based on block chain |
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