CN106779700B - Cross-bank transaction authority control method and device - Google Patents

Cross-bank transaction authority control method and device Download PDF

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CN106779700B
CN106779700B CN201611029933.9A CN201611029933A CN106779700B CN 106779700 B CN106779700 B CN 106779700B CN 201611029933 A CN201611029933 A CN 201611029933A CN 106779700 B CN106779700 B CN 106779700B
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transaction
cross
bank
type information
information
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CN106779700A (en
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张航
张靖
郭仲华
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The invention provides a cross-bank transaction authority control method and a device, wherein the method comprises the following steps: generating cross-bank transaction level data of the current transaction based on the transaction type information and the product type information; searching a corresponding processing mode in a processing mode mapping table according to the cross-bank transaction level data; and calling the searched processing mode to process the current transaction. The invention improves the safety and flexibility of the cross-bank transaction and accelerates the processing efficiency of the cross-bank transaction.

Description

Cross-bank transaction authority control method and device
Technical Field
The invention relates to the technical field of computers, in particular to a management method of an internet application system, and specifically relates to a cross-bank transaction authority control method and device.
Background
With the continuous progress of the technology level and the living conditions, the life range of people is larger and larger, and people are not limited to live in a certain area, so that the demand of bank customers for cross-bank transactions is larger and larger. Cross-bank transactions are an indispensable part of the life of most customers.
In recent years, cases of a criminal cross-bank crime are often rare due to reasons such as that a bank client cannot appropriately store personal account information. In view of the fact that the cross-bank transaction has certain risks, the security of the bank client property is considered, and the authority of the cross-bank transaction needs to be checked. How to make a cross-bank check strategy and how to realize cross-bank transaction authority control to inhibit lawless persons, and protecting the property of customers becomes an irrevocable problem in the banking industry.
Therefore, flexible automated rights checking for cross-line transactions is imminent. At present, some banking systems adopt a limiting strategy of only allowing specific partial transactions to carry out cross-bank transactions; some banking systems in turn employ policies that limit certain partial transactions to cross-bank transactions; still others judge whether cross-bank transactions can be conducted even by manual review.
However, the existing cross-bank transaction authority control method has poor flexibility and single function, and cannot meet the requirement of the current bank system for increasingly complex cross-bank transaction control. The existing cross-bank transaction authority control method causes high later maintenance cost and poor maintainability. Based on the above disadvantages, those skilled in the art need to develop a novel cross-transaction permission control method based on parameterized driving with high flexibility to meet the increasingly complex cross-transaction control requirements.
Disclosure of Invention
In view of this, the technical problem to be solved by the present invention is to provide a method and an apparatus for controlling an authority for cross-bank transaction, which solve the problem that the existing flexibility of controlling the authority for cross-bank transaction is poor and cannot meet the current requirements of cross-bank service.
In order to solve the above technical problem, a specific embodiment of the present invention provides a cross-bank transaction authority control method, including: generating cross-bank transaction level data of the current transaction based on the transaction type information and the product type information; searching a corresponding processing mode in a processing mode mapping table according to the cross-bank transaction level data; and calling the searched processing mode to process the current transaction.
The specific implementation manner of the invention also provides a cross-bank transaction authority control device, which comprises: the generating unit is used for generating cross-bank transaction level data of the current transaction based on the transaction type information and the product type information; the searching unit is used for searching a corresponding processing mode in a processing mode mapping table according to the cross-bank transaction level data; and the calling unit is used for calling the searched processing mode to process the current transaction.
According to the above embodiments of the present invention, the method and the device for controlling cross-bank transaction authority have at least the following advantages: the method comprehensively considers multiple dimensions (transaction type information, product type information and the like), comprehensively controls the cross-bank transaction, and improves the safety of the cross-bank transaction; the cross-line transaction authority can be modified by modifying the dimension parameters, and the method has good flexibility; for special transaction type information and special product type information, cross-bank transaction control can be performed according to preset authority; the mapping relation between the processing mode mapping table and the cross-bank transaction level data can be set through parameters, only parameters need to be adjusted if the mapping relation between the processing mode mapping table and the cross-bank transaction level data needs to be changed in the system maintenance process, program version development does not need to be carried out again, and the system maintenance cost is low.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate exemplary embodiments of the invention and together with the description, serve to explain the principles of the invention.
Fig. 1 is a flowchart of a first embodiment of a cross-bank transaction right control method according to an embodiment of the present invention;
fig. 2 is a flowchart of a second embodiment of a cross-bank transaction right control method according to an embodiment of the present invention;
fig. 3 is a flowchart of a third embodiment of a cross-bank transaction right control method according to a specific embodiment of the present invention;
fig. 4 is a flowchart of a fourth embodiment of a cross-bank transaction right control method according to an embodiment of the present invention;
fig. 5 is a flowchart of a fifth embodiment of a cross-bank transaction right control method according to an embodiment of the present invention;
fig. 6 is a schematic block diagram of a first embodiment of a cross-bank transaction right control device according to an embodiment of the present invention;
fig. 7 is a schematic block diagram of a second embodiment of a cross-bank transaction right control device according to an embodiment of the present invention;
fig. 8 is a schematic block diagram of a third embodiment of a cross-bank transaction right control device according to a specific embodiment of the present invention;
fig. 9 is a schematic block diagram of a fourth embodiment of a cross-bank transaction right control device according to an embodiment of the present invention;
fig. 10 is a schematic block diagram of a fifth embodiment of a cross-bank transaction right control device according to an embodiment of the present invention;
fig. 11 is a mapping relationship diagram between the cross-bank transaction level data and the processing mode mapping table according to the embodiment of the present invention.
Detailed Description
For the purpose of promoting a clear understanding of the objects, aspects and advantages of the embodiments of the invention, reference will now be made to the drawings and detailed description, wherein there are shown in the drawings and described in detail, various modifications of the embodiments described herein, and other embodiments of the invention will be apparent to those skilled in the art.
The exemplary embodiments of the present invention and the description thereof are provided to explain the present invention and not to limit the present invention. Additionally, the same or similar numbered elements/components used in the drawings and the embodiments are used to represent the same or similar parts.
As used herein, the terms "first," "second," …, etc., do not denote any order or sequence, nor are they used to limit the present invention, but rather are used to distinguish one element from another or from another element or operation described in the same technical language.
With respect to directional terminology used herein, for example: up, down, left, right, front or rear, etc., are simply directions with reference to the drawings. Accordingly, the directional terminology used is intended to be illustrative and is not intended to be limiting of the present teachings.
As used herein, the terms "comprising," "including," "having," "containing," and the like are open-ended terms that mean including, but not limited to.
As used herein, "and/or" includes any and all combinations of the described items.
As used herein, the terms "substantially", "about" and the like are used to modify any slight variation in quantity or error that does not alter the nature of the variation. Generally, the range of slight variations or errors modified by such terms may be 20% in some embodiments, 10% in some embodiments, 5% in some embodiments, or other values. It should be understood by those skilled in the art that the aforementioned values can be adjusted according to actual needs, and are not limited thereto.
Certain words used to describe the present application are discussed below or elsewhere in this specification to provide additional guidance to those skilled in the art in describing the present application.
Fig. 1 is a flowchart of a first embodiment of a cross-bank transaction authority control method according to a specific embodiment of the present invention, and as shown in fig. 1, cross-bank transaction level data of a current transaction is first generated according to transaction type information and product type information, a processing mode corresponding to the cross-bank transaction level data is then searched, and finally the searched processing mode is invoked to process the current transaction.
The specific embodiments shown in the drawings include:
step 101: generating cross-bank transaction level data for the current transaction based on the transaction type information and the product type information. In the specific embodiment of the invention, the transaction type information comprises deposit transaction, withdrawal transaction, transfer transaction and the like; the product type information includes: a life time one-book, debit card, credit card, etc. The cross-bank transaction level data specifically comprises from low to high: primary, secondary, tertiary and quaternary.
Step 102: and searching a corresponding processing mode in a processing mode mapping table according to the cross-bank transaction level data. In an embodiment of the present invention, the processing mode specifically includes: unlimited, limited in provincial administrative regions, limited in regional municipal administrative regions, limited in bank accounts, limited in designated customer managers. The mapping between the cross-bank transaction level data and the processing mode is shown in fig. 11.
Step 103: and calling the searched processing mode to process the current transaction.
Referring to fig. 1, a plurality of dimensions (transaction type information, product type information and the like) are comprehensively considered, the cross-bank transaction is controlled in an all-round way, and the safety of the cross-bank transaction is improved; the user can modify the cross-line transaction authority by modifying the dimension parameters, and the method has good flexibility; the mapping relation between the processing mode mapping table and the cross-bank transaction level data can be set through parameters, only parameters need to be adjusted if the mapping relation between the processing mode mapping table and the cross-bank transaction level data needs to be changed in the system maintenance process, program version development does not need to be carried out again, and the system maintenance cost is low.
In an embodiment of the present invention, before step 102 or step 101, the method for controlling cross-bank transaction authority further includes: and establishing a mapping relation between the cross-bank transaction level data and the processing mode mapping table. For example, the cross-bank transaction level data specifically includes, from low to high: primary, secondary, tertiary and quaternary. The processing mode specifically includes: unlimited, limited in provincial administrative regions, limited in regional municipal administrative regions, limited in bank accounts, limited in designated customer managers. The cross-bank transaction level data is mapped to the processing mode mapping table as shown in fig. 11.
Fig. 2 is a flowchart of a second embodiment of a cross-bank transaction authority control method according to a specific embodiment of the present invention, and as shown in fig. 2, before cross-bank transaction level data of a current transaction is generated, whether the current transaction relates to a cross-bank transaction is determined according to account information and transaction type information.
In the embodiment shown in the figure, before step 101, the method further comprises:
step 100: whether the current transaction relates to a cross-line transaction is determined based on the account information and the transaction type information.
Referring to fig. 2, if the account information indicates that the current transaction account is not a current bank account, it is determined that the current transaction relates to a cross-bank transaction; if the transaction type information directly relates to other banks, it is determined that the current transaction relates to a cross-bank transaction. For example, a user holds a debit card of a commercial bank to construct a bank ATM for withdrawing money, and can determine that the withdrawal transaction relates to cross-bank transaction directly according to account information; if the transaction type information is the cross-bank transfer, the current transaction can be directly determined to relate to the cross-bank transaction, cross-bank transaction level data of the current transaction is generated only when the cross-bank transaction is related, a corresponding processing mode is searched in a processing mode mapping table according to the cross-bank transaction level data, the searched processing mode is called in the current transaction to process the current transaction, otherwise, the steps can be skipped, the current transaction is directly processed according to the non-cross-bank transaction, the data processing amount is reduced, and the transaction processing efficiency is improved.
Fig. 3 is a flowchart of a third embodiment of a cross-bank transaction authority control method according to a specific embodiment of the present invention, and as shown in fig. 3, it is first determined whether a current transaction relates to a cross-bank transaction according to account information, and then determined whether the current transaction relates to a cross-bank transaction according to transaction type information.
In the embodiment shown in the drawing, step 100 specifically includes:
step 1001: and acquiring an account opening bank according to the account information of the current transaction. The issuer is the bank that has opened the account of the current transaction account.
Step 1002: and judging whether the opening row is the same as the transaction row of the current transaction. The transaction line is the bank where the current transaction takes place.
Step 1003: and if the account opening line is different from the transaction line, the current transaction is a cross-line transaction.
Step 1004: and if the account opening row is the same as the transaction row, judging whether the current transaction relates to cross-row transaction or not based on the transaction type information.
Referring to fig. 3, whether the current transaction relates to a cross-bank transaction is judged according to the account information and the transaction type information, if the current transaction relates to the cross-bank transaction, the post operation is performed, and if the current transaction does not relate to the cross-bank transaction, the post operation can be not performed any more, so that the transaction efficiency is greatly improved.
Fig. 4 is a flowchart of a fourth embodiment of a cross-bank transaction authority control method according to a specific embodiment of the present invention, and as shown in fig. 4, cross-bank transaction level data of a current transaction is generated according to transaction type information and product type information.
In the embodiment shown in the drawing, step 101 specifically includes:
step 1011: and generating first cross-bank transaction grade information of the current transaction according to the transaction type information. The first cross-bank transaction grade information specifically comprises from low to high: primary, secondary, tertiary and quaternary.
Step 1012: and generating second cross-bank transaction grade information of the current transaction according to the product type information. The second cross-bank transaction grade information specifically comprises from low to high: primary, secondary, tertiary and quaternary.
Step 1013: and taking the higher grade in the first cross-bank transaction grade information and the second cross-bank transaction grade information as the cross-bank transaction grade data of the current transaction. For example, the first cross-bank transaction level information is a first level, the second cross-bank transaction level information is a third level, and then the cross-bank transaction level data of the current transaction is a third level.
Referring to fig. 4, for example, a user wants to use a current one-home service to withdraw money across banks, the transaction type information is withdrawal money, and the first cross-bank transaction level information of the transaction type information is primary; the product type information is the current date-this-service, the second cross-bank transaction grade information of the product type information is the first-level, then the end user uses the cross-bank transaction grade data of the current date-this-service cross-bank withdrawal as the first-level, and the transaction mode corresponding to the first-level is limited in the provincial-level administrative region.
Fig. 5 is a flowchart of a fifth embodiment of a cross-bank transaction authority control method according to a specific embodiment of the present invention, as shown in fig. 5, after cross-bank transaction level data of a current transaction is obtained, before a corresponding processing mode is searched, the cross-bank transaction level data needs to be corrected according to transaction type information and product type information, so as to facilitate operation of a specific transaction.
In the embodiment shown in the figure, before step 102, the method further comprises:
step 101-1: and judging whether the transaction type information is preset transaction type information or not. When the preset transaction type information is, for example, cross-bank deposit, due to the high security index, cross-bank transaction level data of the current transaction only needs to be generated according to the transaction type information, and cross-bank transaction level data of the current transaction does not need to be generated according to the product type information.
Step 101-2: and if the transaction type information is preset transaction type information, correcting the cross-bank transaction grade data of the current transaction into the first cross-bank transaction grade information. For example, the preset transaction type is the transfer between commercial banks, and at this time, the cross-bank transaction level data of the current transaction only needs to be generated according to the transaction type information, and the cross-bank transaction level data of the current transaction does not need to be generated according to the product type information.
Step 101-3: and if the transaction type information is not the preset transaction type information, judging whether the product type information is the preset product type information. For example, when the preset product type is a VIP gold card and the debit card used by the user is a VIP gold card, the cross-bank transaction level data of the current transaction only needs to be generated according to the product type information and does not need to be generated according to the transaction type information because the credit level is high.
Step 101-4: and if the product type information is preset product type information, correcting the cross-bank transaction grade data of the current transaction into second cross-bank transaction grade information.
Referring to fig. 5, the cross-bank transaction level data is corrected according to the transaction type information and the product type information to meet the special needs of specific users, and the bank is used to carry out business.
Fig. 6 is a schematic block diagram of a first embodiment of a cross-bank transaction authority control device according to a specific embodiment of the present invention, and the device shown in fig. 6 may be applied to the methods shown in fig. 1 to 5, where cross-bank transaction level data of a current transaction is first generated according to transaction type information and product type information, a processing mode corresponding to the cross-bank transaction level data is then searched, and finally the searched processing mode is invoked to process the current transaction.
The specific embodiments shown in the drawings include: the system comprises a generating unit 1, a searching unit 2 and a calling unit 3, wherein the generating unit 1 is used for generating cross-bank transaction level data of the current transaction based on transaction type information and product type information; the searching unit 2 is used for searching a corresponding processing mode in a processing mode mapping table according to the cross-bank transaction level data; the calling unit 3 is used for calling the searched processing mode to process the current transaction.
Referring to fig. 6, a plurality of dimensions (transaction type information, product type information, and the like) are comprehensively considered, the cross-bank transaction is controlled in an all-round manner, and the safety of the cross-bank transaction is improved; the user can modify the cross-line transaction authority by modifying the dimension parameters, and the method has good flexibility; the mapping relation between the processing mode mapping table and the cross-bank transaction level data can be set through parameters, only parameters need to be adjusted if the mapping relation between the processing mode mapping table and the cross-bank transaction level data needs to be changed in the system maintenance process, program version development does not need to be carried out again, and the system maintenance cost is low.
In the specific embodiment shown in the present invention, the cross-bank transaction authority control device further includes a mapping unit, where the mapping unit is configured to establish a mapping relationship between the cross-bank transaction level data and the processing mode mapping table. For example, the cross-bank transaction level data specifically includes, from low to high: primary, secondary, tertiary and quaternary. The processing mode specifically includes: unlimited, limited in provincial administrative regions, limited in regional municipal administrative regions, limited in bank accounts, limited in designated customer managers. The cross-bank transaction level data is mapped to the processing mode mapping table as shown in fig. 11.
Fig. 7 is a schematic block diagram of a second embodiment of a cross-bank transaction authority control device according to a specific embodiment of the present invention, and as shown in fig. 7, before cross-bank transaction level data of a current transaction is generated, whether the current transaction relates to a cross-bank transaction is determined according to account information and transaction type information.
In the embodiment shown in the figure, the apparatus further comprises a judging unit 4, wherein the judging unit 4 is configured to judge whether the current transaction relates to a cross-bank transaction based on the account information and the transaction type information.
Referring to FIG. 7, if the account information indicates that the current transaction account is not a current bank account, it is determined that the current transaction relates to a cross-bank transaction; if the transaction type information directly relates to other banks, it is determined that the current transaction relates to a cross-bank transaction. For example, a user holds a debit card of a commercial bank to construct a bank ATM for withdrawing money, and can determine that the withdrawal transaction relates to cross-bank transaction directly according to account information; if the transaction type information is the cross-bank transfer, the current transaction can be directly determined to relate to the cross-bank transaction, cross-bank transaction level data of the current transaction is generated only when the cross-bank transaction is related, a corresponding processing mode is searched in a processing mode mapping table according to the cross-bank transaction level data, the searched processing mode is called in the current transaction to process the current transaction, otherwise, the steps can be skipped, the current transaction is directly processed according to the non-cross-bank transaction, the data processing amount is reduced, and the transaction processing efficiency is improved.
Fig. 8 is a schematic block diagram of a third embodiment of a cross-bank transaction authority control device according to a specific embodiment of the present invention, and as shown in fig. 8, it is first determined whether a current transaction relates to a cross-bank transaction according to account information, and then determined whether the current transaction relates to a cross-bank transaction according to transaction type information.
In the embodiment shown in the drawing, the determining unit 4 further includes: the system comprises an acquisition module 41, a first judgment module 42 and a second judgment module 43, wherein the acquisition module 41 is used for acquiring an account opening bank according to account information of current transaction; the first judging module 42 is configured to judge whether the account opening line is the same as a transaction line of the current transaction; the second judging module 43 is configured to judge whether the current transaction relates to a cross-bank transaction based on the transaction type information when the account opening row and the transaction row are the same.
Referring to fig. 8, whether the current transaction relates to a cross-bank transaction is judged according to the account information and the transaction type information, if the current transaction relates to the cross-bank transaction, the post operation is performed, and if the current transaction does not relate to the cross-bank transaction, the post operation can be not performed any more, so that the transaction efficiency is greatly improved.
Fig. 9 is a schematic block diagram of a fourth embodiment of a cross-bank transaction authority control device according to an embodiment of the present invention, and as shown in fig. 9, cross-bank transaction level data of a current transaction is generated according to transaction type information and product type information.
In the embodiment shown in the figure, the generating unit 1 further comprises: the system comprises a first determining module 11, a second determining module 12 and a comparing module 13, wherein the first determining module 11 is used for generating first cross-transaction grade information of the current transaction according to the transaction type information; the second determining module 12 is configured to generate second cross-bank transaction level information of the current transaction according to the product type information; the comparison module 13 is configured to obtain the cross-bank transaction level data of the current transaction, which is higher in the first cross-bank transaction level information and the second cross-bank transaction level information.
Referring to fig. 9, for example, a user wants to use a current one-home service to withdraw money across lines, the transaction type information is withdrawal, and the first cross-line transaction level information of the transaction type information is unlimited; the product type information is the current date-this-service, the second cross-bank transaction level information of the product type information is limited in the provincial administrative region, and then the end user uses the cross-bank transaction level data of the current date-this-service cross-bank withdrawal to be limited in the provincial administrative region.
Fig. 10 is a schematic block diagram of a fifth embodiment of a cross-bank transaction authority control device according to a specific embodiment of the present invention, as shown in fig. 10, after cross-bank transaction level data of a current transaction is obtained, before the current transaction is processed, the cross-bank transaction level data needs to be modified according to transaction type information and product type information, so as to facilitate operation of the specific transaction.
In the embodiment shown in the drawing, the apparatus further comprises: the system comprises a first additional judging unit 5, a first correcting unit 6, a second additional judging unit 7 and a second correcting unit 8, wherein the first additional judging unit 5 is used for judging whether the transaction type information is preset transaction type information; the first correcting unit 6 is configured to correct the cross-bank transaction level data of the current transaction into the first cross-bank transaction level information when the transaction type information is preset transaction type information; the second additional judgment unit 7 is used for judging whether the product type information is preset product type information or not when the transaction type information is not preset transaction type information; the second correcting unit 8 is configured to correct the cross-bank transaction level data of the current transaction to the second cross-bank transaction level information when the product type information is preset product type information.
Referring to fig. 10, the cross-bank transaction level data is corrected according to the transaction type information and the product type information, so as to meet the special needs of the preset user, and the bank is used to carry out the business.
Fig. 11 is a mapping relationship diagram between the cross-bank transaction level data and the processing mode mapping table according to the embodiment of the present invention, and as shown in fig. 11, the cross-bank transaction level data specifically includes, from low to high: primary, secondary, tertiary, quaternary, etc.; the processing of the mode mapping table specifically includes: unlimited, limited to provincial administrative areas, limited to prefectural administrative areas, limited to division of accounts, limited to designated customer managers, etc. In an embodiment of the present invention, the primary and processing mode mapping tables have an infinite mapping; the limitation in the first-level and processing mode mapping table is mapped in a provincial administrative region; the limitation in the second-level and processing mode mapping table is mapped in the region of the city and government; the limited account row in the third-level and processing mode mapping table is mapped; the limit in the four-level and processing mode mapping table specifies the customer manager. The user can change the mapping relation between the cross-bank transaction level data and the processing mode mapping table by adjusting the parameters, and can also increase the level in the new cross-bank transaction level data and the processing mode in the processing mode mapping table.
The invention provides a cross-bank transaction authority control method and device, which comprehensively consider a plurality of dimensions (transaction type information, product type information, customer manager and the like), carry out all-around control on cross-bank transactions and improve the safety of the cross-bank transactions; the bank can modify the cross-bank transaction authority by modifying the dimension parameters, and the flexibility is good; specific authority control can be carried out on special transaction type information and special product type information; related information can be set through parameters, only parameters need to be adjusted if the transaction system is required to be changed in the maintenance process, program version development is not required to be carried out again, and the system maintenance cost is low.
The embodiments of the invention described above may be implemented in various hardware, software code, or combinations of both. For example, an embodiment of the present invention may also be program code for executing the above method in a Digital Signal Processor (DSP). The invention may also relate to a variety of functions performed by a computer processor, digital signal processor, microprocessor, or Field Programmable Gate Array (FPGA). The processor described above may be configured according to the present invention to perform certain tasks by executing machine-readable software code or firmware code that defines certain methods disclosed herein. Software code or firmware code may be developed in different programming languages and in different formats or forms. Software code may also be compiled for different target platforms. However, the different code styles, types, and languages of software code and other types of configuration code that perform tasks in accordance with the present invention do not depart from the spirit and scope of the present invention.
The foregoing is merely an illustrative embodiment of the present invention, and any equivalent changes and modifications made by those skilled in the art without departing from the spirit and principle of the present invention should fall within the protection scope of the present invention.

Claims (9)

1. A cross-bank transaction authority control method is characterized by comprising the following steps:
generating cross-bank transaction level data of the current transaction based on the transaction type information and the product type information;
searching a corresponding processing mode in a processing mode mapping table according to the cross-bank transaction level data; and
calling the searched processing mode to process the current transaction;
the step of generating cross-bank transaction level data of the current transaction based on the transaction type information and the product type information specifically comprises the following steps:
generating first cross-bank transaction grade information of the current transaction according to the transaction type information;
generating second cross-bank transaction grade information of the current transaction according to the product type information; and
taking the higher grade of the first cross-bank transaction grade information and the second cross-bank transaction grade information as the cross-bank transaction grade data of the current transaction;
before the step of searching the corresponding processing mode in the processing mode mapping table according to the cross-bank transaction level data, the method further comprises the following steps:
judging whether the transaction type information is preset transaction type information or not;
if the transaction type information is preset transaction type information, correcting the cross-bank transaction grade data of the current transaction into the first cross-bank transaction grade information;
if the transaction type information is not preset transaction type information, judging whether the product type information is preset product type information or not; and
and if the product type information is preset product type information, correcting the cross-bank transaction grade data of the current transaction into second cross-bank transaction grade information.
2. The cross-bank transaction right control method of claim 1, further comprising:
and establishing a mapping relation between the cross-bank transaction level data and the processing mode mapping table.
3. The cross-bank transaction authority control method of claim 1, wherein the step of generating cross-bank transaction level data for the current transaction based on the transaction type information and the product type information is preceded by the method further comprising:
determining whether the current transaction relates to a cross-line transaction based on the account information and the transaction type information.
4. The cross-bank transaction authority control method according to claim 2, wherein the step of judging whether the current transaction relates to a cross-bank transaction based on the account information and the transaction type information specifically comprises:
acquiring an account opening bank according to the account information of the current transaction;
judging whether the account opening line is the same as the transaction line of the current transaction or not;
if the account opening line is different from the transaction line, the current transaction is a cross-line transaction; and
and if the account opening row is the same as the transaction row, judging whether the current transaction relates to cross-row transaction or not based on the transaction type information.
5. The cross-bank transaction authority control method according to claim 1, wherein the cross-bank transaction level data, the first cross-bank transaction level information and the second cross-bank transaction level information specifically include, from low to high: primary, secondary, tertiary and quaternary; the processing mode specifically includes: unlimited, limited in provincial administrative regions, limited in regional municipal administrative regions, limited in bank accounts, limited in designated customer managers.
6. A cross-bank transaction right control device, comprising:
the generating unit is used for generating cross-bank transaction level data of the current transaction based on the transaction type information and the product type information;
the searching unit is used for searching a corresponding processing mode in a processing mode mapping table according to the cross-bank transaction level data; and
the calling unit is used for calling the searched processing mode to process the current transaction;
the generation unit further includes:
the first determining module is used for generating first cross-line transaction grade information of the current transaction according to the transaction type information;
the second determining module is used for generating second cross-bank transaction grade information of the current transaction according to the product type information; and
the comparison module is used for taking the higher grade of the first cross-bank transaction grade information and the second cross-bank transaction grade information as the cross-bank transaction grade data of the current transaction;
the device also includes:
the first additional judging unit is used for judging whether the transaction type information is preset transaction type information or not;
the first correcting unit is used for correcting the cross-bank transaction grade data of the current transaction into the first cross-bank transaction grade information when the transaction type information is preset transaction type information;
the second additional judging unit is used for judging whether the product type information is preset product type information or not when the transaction type information is not the preset transaction type information; and
and the second correcting unit is used for correcting the cross-bank transaction grade data of the current transaction into the two cross-bank transaction grade when the product type information is preset product type information.
7. The cross-bank transaction right control device of claim 6, further comprising:
and the mapping unit is used for establishing a mapping relation between the cross-bank transaction level data and the processing mode mapping table.
8. The cross-bank transaction right control device of claim 6, further comprising:
and the judging unit is used for judging whether the current transaction relates to cross-bank transaction or not based on the account information and the transaction type information.
9. The cross-bank transaction authority control device according to claim 8, wherein the judging unit further comprises:
the acquisition module is used for acquiring an account opening bank according to the account information of the current transaction;
the first judgment module is used for judging whether the account opening line is the same as the transaction line of the current transaction or not; and
and the second judging module is used for judging whether the current transaction relates to cross-bank transaction or not based on the transaction type information when the account opening row and the transaction row are the same.
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