CN107545031A - Account comprehensive inquiry service, system and computer-readable recording medium - Google Patents
Account comprehensive inquiry service, system and computer-readable recording medium Download PDFInfo
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- CN107545031A CN107545031A CN201710583269.0A CN201710583269A CN107545031A CN 107545031 A CN107545031 A CN 107545031A CN 201710583269 A CN201710583269 A CN 201710583269A CN 107545031 A CN107545031 A CN 107545031A
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Abstract
The invention discloses a kind of account comprehensive inquiry service, account comprehensive inquiry service includes：When receiving the account inquiries instruction of client transmission, instructed according to the account inquiries to block platform chain and send external account information acquisition request, and domestic accounts information is obtained in local presetting database；When receiving the external account information that the block platform chain returns, the external account information and domestic accounts information are back to the client, so that the client is shown in same view simultaneously.Invention additionally discloses a kind of account Comprehensive Query System and computer-readable recording medium.In the present invention can the data center of each operation system of seamless UNICOM, realize convenient, efficient data interaction；For client, when carrying out global account inquiry, operated without logging in multiple different systems, local and overseas accounts informations can be viewed simultaneously at same interface, operating procedure is simple, improves the efficiency of client's single-point operation.
Description
Technical field
The present invention relates to Financial Information management domain, more particularly to a kind of account comprehensive inquiry service, system and computer
Readable storage medium storing program for executing.
Background technology
Under the overall background of economic globalization, cross-border business and cross-border transaction are more and more frequent.In order to adapt to growth requirement,
Many financial institutions start to be laid out globalization strategy, have carried out cross-border financial business, and a variety of cross-border finance clothes are provided for client
Business, ensureing the cross-border business transaction and financial transaction of client can be normally carried out.
The cross-border Financial Management of conventional banking facilities is real by domestic branch's system and overseas branch system two systems
Existing.Wherein due to the difference of the other factorses such as various regions supervision, domestic branch's system and overseas branch system are relatively independent
Two systems, and the two system configurations have independent database.In this case, when the domestic account of customer inquiries oneself and
Being operated within the border with system overseas during external account, it is necessary to log in respectively, this querying flow for client is complex,
Operational ton is big, and response speed is slow, reduces the usage experience of client.
The content of the invention
It is a primary object of the present invention to propose a kind of account comprehensive inquiry service, system and computer-readable storage medium
Matter, it is intended to solve the technical problem that the cross-border querying flow of finance account is complicated, operation is not easy.
To achieve the above object, the present invention provides a kind of account comprehensive inquiry service, and the account comprehensive inquiry service should
For account management terminal, the account comprehensive inquiry service comprises the following steps：
When receiving the account inquiries instruction of client transmission, instructed to block platform chain and sent out according to the account inquiries
External account information acquisition request is sent, and domestic accounts information is obtained in local presetting database；
When receiving the external account information that the block platform chain returns, by the external account information and domestic account
Family information is back to the client, so that the client is shown in same view simultaneously.
Optionally, the account inquiries instruction includes account public key, described to receive the block platform chain return
External account information when, the external account information and domestic accounts information are back to the client, for the visitor
The step of family end is shown simultaneously in same view includes：
When receiving the external account information that the block platform chain returns, by the account public key to it is described overseas
Accounts information and domestic accounts information are encrypted, and the external account information of encryption and domestic accounts information are back to described
Client, for the client by account private key corresponding to the account public key to the external account information of the encryption and
Shown simultaneously in same view after domestic accounts information decryption.
Optionally, it is described receive client transmission account inquiries instruction when, according to the account inquiries instruct to
Block platform chain sends external account information acquisition request, and the step of domestic accounts information is obtained in local presetting database
Suddenly, including：
When receiving the account inquiries instruction of client transmission, believed according to the checking that account inquiries instruction includes
Breath judges whether the client has account inquiries authority；
If the client has the account inquiries authority, sending external account acquisition of information to block platform chain please
Ask, and domestic accounts information is obtained in local presetting database.
Optionally, the account comprehensive inquiry service also includes：
When receiving the domestic account trading instruction of client transmission, according to the domestic account trading instruction renewal institute
State local presetting database.
In addition, to realize object above, the present invention also provides a kind of account comprehensive inquiry service, the account comprehensive inquiry
It is served by including in block platform chain, the account comprehensive inquiry service：
When receiving the external account information acquisition request of account management terminal transmission, external account corresponding to acquisition is believed
Breath；
The external account information is back to the account management terminal.
Optionally, it is described when receiving the external account information acquisition request of account management terminal transmission, obtain corresponding
External account newest external account information the step of include：
When receiving the external account information acquisition request of account management terminal transmission, according to the external account information
The checking information that obtaining request includes judges whether the account management terminal has acquisition of information authority；
If there is the account management terminal described information to obtain authority, external account corresponding to acquisition is newest overseas
Accounts information.
Optionally, the external account information acquisition request includes data format rule, described by the external account
Information was back to before the step of account management terminal, in addition to：
Row format conversion is entered according to the data structure of the external account information of the data format rule to getting, so that
The data structure meets the data format rule.
Optionally, the account comprehensive inquiry service also includes：
When receiving the external account trading instruction that overseas service terminal is sent, according to the external account trading instruction
Update the external account information in the block platform chain.
In addition, to realize object above, the present invention also provides a kind of account Comprehensive Query System, the account comprehensive inquiry
System includes account management terminal and block platform chain, the account Comprehensive Query System account management terminal and block platform chain
Foundation has communication connection；
The account management terminal refers to when receiving the account inquiries instruction of client transmission according to the account inquiries
Make to the block platform chain and send external account information acquisition request, and domestic account letter is obtained in local presetting database
Breath；
The block platform chain obtains when receiving the external account information acquisition request that the account management terminal is sent
External account information corresponding to taking；
The external account information is back to the account management terminal by the block platform chain；
The account management terminal is when receiving the external account information that the block platform chain returns, by described in overseas
Accounts information and domestic accounts information are back to the client, so that the client is shown in same view simultaneously.
In addition, to realize object above, the present invention also provides a kind of computer-readable recording medium, described computer-readable
Account inquiries program is stored with storage medium, is realized when the account inquiries program is executed by processor and is applied to account as described above
The step of account comprehensive inquiry service of family management terminal.
In addition, to realize object above, the present invention also provides a kind of computer-readable recording medium, described computer-readable
Account inquiries program is stored with storage medium, is realized when the account inquiries program is executed by processor and is applied to area as described above
The step of account comprehensive inquiry service of block platform chain.
The present invention according to the account inquiries by when receiving the account inquiries instruction that client is sent, instructing to area
Block platform chain sends external account information acquisition request, and domestic accounts information is obtained in local presetting database；Receiving
To the block platform chain return external account information when, the external account information and domestic accounts information are back to institute
Client is stated, so that the client is shown in same view simultaneously.By above method, the account management in the present invention is whole
On the one hand end obtains domestic accounts information by local data bank, on the other hand passes through area when receiving account inquiries instruction
Block platform chain obtains external account information, so as to break local and overseas operation systems because the data interaction screen that systematical difference is brought
Barrier, the data center of each operation system of seamless UNICOM, realizes convenient, highly efficient, unified data interaction；For client, enter
When row global account is inquired about, operated without logging in multiple different systems, border can be viewed simultaneously at same interface
Inside and outside accounts information, flow are concentrated efficiently, and operating procedure is simple, are improved the efficiency of client's single-point operation, are improved client's
Usage experience.
Brief description of the drawings
Fig. 1 be the present embodiments relate to account management terminal hardware structural representation；
Fig. 2 is the schematic flow sheet of account comprehensive inquiry first class services embodiment of the present invention；
Fig. 3 be Fig. 2 described in receive client transmission account inquiries instruction when, according to the account inquiries instruct to
Block platform chain sends external account information acquisition request, and the refinement of domestic accounts information is obtained in local presetting database
Schematic flow sheet；
Fig. 4 is the schematic flow sheet that account comprehensive inquiry of the present invention services second embodiment
Fig. 5 is the acquisition pair described in Fig. 4 when receiving the external account information acquisition request of account management terminal transmission
The refinement schematic flow sheet of the newest external account information of the external account answered.
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
In follow-up description, the suffix using such as " module ", " part " or " unit " for representing element is only
Be advantageous to the explanation of the present invention, itself there is no a specific meaning.Therefore, " module ", " part " or " unit " can mix
Ground uses.
The present embodiments relate to account comprehensive inquiry be served by account management terminal.
Reference picture 1, Fig. 1 are account management terminal hardware structural representation in scheme of the embodiment of the present invention.The present invention is implemented
In example, account management terminal can include processor 1001 (such as CPU), and communication bus 1002, user interface 1003, network connects
Mouth 1004, memory 1005.Wherein, communication bus 1002 is used to realize the connection communication between these components；User interface
1003 can include display screen (Display), input block such as keyboard (Keyboard)；Network interface 1004 optionally can be with
Wireline interface, wave point (such as WI-FI interfaces) including standard；Memory 1005 can be high-speed RAM memory, can also
It is stable memory (non-volatile memory), such as magnetic disk storage, memory 1005 optionally can also be only
Stand on the storage device of aforementioned processor 1001.
It will be understood by those skilled in the art that the hardware configuration shown in Fig. 1 does not form the limit to account management terminal
It is fixed, it can include than illustrating more or less parts, either combine some parts or different parts arrangement.
With continued reference to Fig. 1, in Fig. 1 as a kind of computer-readable storage medium memory 1005 can include operating system,
Network communication module and account inquiries program.
In Fig. 1, network communication module is mainly used in connecting client and block platform chain, respectively with client, block
Platform chain enters row data communication；And processor 1001 can be used for calling the account inquiries program stored in memory 1005, and
Perform following operate：
When receiving the account inquiries instruction of client transmission, instructed to block platform chain and sent out according to the account inquiries
External account information acquisition request is sent, and domestic accounts information is obtained in local presetting database；
When receiving the external account information that the block platform chain returns, by the external account information and domestic account
Family information is back to the client, so that the client is shown in same view simultaneously.
Further, processor 1001 can be also used for calling the account inquiries program stored in memory 1005, and hold
Row is following to be operated：
When receiving the external account information that the block platform chain returns, by the account public key to it is described overseas
Accounts information and domestic accounts information are encrypted, and the external account information of encryption and domestic accounts information are back to described
Client, for the client by account private key corresponding to the account public key to the external account information of the encryption and
Shown simultaneously in same view after domestic accounts information decryption.
Further, processor 1001 can be also used for calling the account inquiries program stored in memory 1005, and hold
Row is following to be operated：
When receiving the account inquiries instruction of client transmission, believed according to the checking that account inquiries instruction includes
Breath judges whether the client has account inquiries authority；
If the client has the account inquiries authority, sending external account acquisition of information to block platform chain please
Ask, and domestic accounts information is obtained in local presetting database.
Further, processor 1001 can be also used for calling the account inquiries program stored in memory 1005, and hold
Row is following to be operated：
When receiving the domestic account trading instruction of client transmission, according to the domestic account trading instruction renewal institute
State local presetting database.
The present embodiments relate to account comprehensive inquiry service be also applied to block platform chain.The block platform chain includes
Two or more (herein " more than " include this number, similarly hereinafter) node, wherein for the hardware configuration of each node, can refer to above-mentioned
Each node can include processor (such as CPU), communication bus, user in the hardware configuration of account management terminal, i.e. platform
Interface, network interface, memory.For processor (such as CPU), communication bus, user interface, network interface, its function with
The function of corresponding part is similar in above-mentioned account management terminal.For memory portion, including operating system, network communication module
And account inquiries program；The operating system of each node can be identical with the system of account management terminal or using not
Same operating system；Network communication module is then mainly used in connecting account management terminal, and carrying out data with account management terminal leads to
Letter；And processor can call the account inquiries program stored in memory, and perform following operate：
When receiving the external account information acquisition request of account management terminal transmission, external account corresponding to acquisition is believed
Breath；
The external account information is back to the account management terminal.
Further, processor may call upon the account inquiries program stored in memory, and perform following operate：
When receiving the external account information acquisition request of account management terminal transmission, according to the external account information
The checking information that obtaining request includes judges whether the account management terminal has acquisition of information authority；
If there is the account management terminal described information to obtain authority, external account corresponding to acquisition is newest overseas
Accounts information.
Further, processor may call upon the account inquiries program stored in memory, and perform following operate：
When receiving the external account trading instruction that overseas service terminal is sent, according to the external account trading instruction
Update the external account information in the block platform chain.
Certainly, in specific implementation, the hardware configuration of each node can be included than said structure more in block platform chain
More or less parts, either combine some parts or different parts arrangement.
Hardware configuration based on above-mentioned account management terminal and block platform chain interior joint, propose that account synthesis of the present invention is looked into
Ask and service each embodiment.
Reference picture 2, Fig. 2 are the schematic flow sheet of account comprehensive inquiry first class services embodiment of the present invention.
In the present embodiment, the account comprehensive inquiry is served by account management terminal, the account comprehensive inquiry clothes
Business comprises the following steps：
Step S10, when receiving the account inquiries instruction of client transmission, instructed according to the account inquiries to block
Platform chain sends external account information acquisition request, and domestic accounts information is obtained in local presetting database；
The cross-border Financial Management of conventional banking facilities is real by domestic branch's system and overseas branch system two systems
Existing.Wherein due to the difference of the other factorses such as various regions supervision, domestic branch's system and overseas branch system are relatively independent
Two systems, and the two system configurations have independent database.In this case, when the domestic account of customer inquiries oneself and
Being operated within the border with system overseas during external account, it is necessary to log in respectively, this querying flow for client is complex,
Operational ton is big, and response speed is slow, reduces the usage experience of client.Based on above mentioned problem, a kind of account is proposed in the present embodiment
Comprehensive inquiry service, based on the technological thought of block chain, block platform chain is built, by the data syn-chronization of system overseas to block chain
Platform, to have broken local and overseas operation systems because the data interaction barrier that brings of systematical difference, each business system of seamless UNICOM
The data center of system, there is provided convenient, highly efficient, unified data interaction pattern, improve the account inquiries efficiency of user.
Specifically, financial institution is illustrated with bank in the present embodiment.Certain bank is equipped with the border and overseas respectively
Bank, wherein domestic bank is head office's (can be described as domestic head office), overseas bank is branch (can be described as branch overseas)；It is domestic total
Row has respective operation system with branch overseas, can be referred to as head office's operation system and branch's operation system；The two are
In system include respective database again, wherein the database of domestic head office can be described as local presetting database, overseas branch
It can be described as presetting database overseas；And in order to by the data syn-chronization of branch overseas to head office, also build block platform chain, overseas
The operation system of branch is established with the node in block platform chain communication connection, when external account changes, overseas divides
The transaction data of correlation and account transition information can be write the node by capable operation system, so that these data messages can be
Transmitted in block platform chain, and external account information corresponding to renewal；And the account in oneself whole world is carried out for the ease of client
Unified management, and also to realize banking system framework modularization management and logic decoupling, operation system, database,
One global cash management system (GCM systems) will be also set outside block chain, in order to be distinguished with operation system, this whole world
Cash management system can be described as account management terminal, and account management terminal can be communicatively coupled with client, receive client
The account inquiries instruction at end, on the other hand can also be communicatively coupled with head office's operation system and block platform chain, to obtain respectively
Local and overseas accounts information corresponding to taking, realize that global account is inquired about.
Account comprehensive inquiry in the present embodiment is served by account management terminal.Specifically, certain client is in above-mentioned silver
Row offers domestic account and external account respectively, and the client wishes to inquire about the accounts information of the two accounts, and now client can
Account management terminal is connected by client, and clicks on account inquiries option, so as to trigger account inquiries instruction.Wherein, the visitor
Family end can be realized in many ways, such as the client can be the cabinet surface terminal of bank outlets, and certain client may be used also
To be E-bank terminal (Mobile banking app, webpage client etc.).When triggering account inquiries instruction, client will can be somebody's turn to do automatically
Account inquiries instruction is sent to account management terminal.Account management terminal is when receiving account query statement, i.e. generation pair
The account inquiries task answered simultaneously is handled.Account management terminal is when being handled, in being instructed first according to account inquiries
Client identity information (such as identification card number) determine the quantity of customer account, account ID, Account Type information, so as to clearly will
The target account to be inquired about.It is determined that during above- mentioned information, the target account of this clear and definite account inquiries task is included into domestic account
Family and external account.Wherein for domestic account, head office's operation system can be directly accessed, is inquired about in head office's local data base
Arrive；And for external account, due to having built block platform chain as described above, therefore external account letter can be sent to block platform chain
Breath obtains request, to obtain the external account information of client by block platform chain.
Step S20, when receiving the external account information that the block platform chain returns, by the external account information
The client is back to domestic accounts information, so that the client is shown in same view simultaneously.
In the present embodiment, block platform chain is receiving the external account information acquisition request of account management terminal transmission
When, meeting external account according to corresponding to searching the request, and the external account information of correlation is returned into account management terminal.Account
Management terminal coordinates the local data base in head office's operation system when receiving the external account information of block platform chain return
The domestic accounts information of middle acquisition, that is, the local and overseas accounts informations of client are got.Now account management terminal can be by within the border
Accounts information and external account information together return to client.Client, can be in same view when receiving these information
Domestic accounts information and the external account information of client is shown simultaneously, so that client can see that oneself is all at same interface
The accounts information of account, complete account inquiries.Certainly, when account management terminal has got the local and overseas accounts informations of client,
The time currently got can also be recorded, the time can be described as obtaining the time, when returning to accounts information to client, return
The timestamp of the timestamp and current information time of return that obtain the time is added in the information returned, is believed so that the client verifies
Used during breath.
Further, the account management terminal in the present embodiment is in the local of head office when inquiring about domestic accounts information
Inquired about in database, this is relevant with information storage policies.Specifically, because domestic bank belongs to total in the present embodiment
OK, then when disposing local data base, for the consideration of security etc. or other factorses, domestic accounts information is stored in local
In database, without sending to block platform chain；Relative, bank overseas belongs to branch, branch's operation system overseas
Data need to head office's feedback and synchronous, it is necessary to which Transaction Information and external account information are sent to block platform chain, with reality
Existing data interaction.
Further, account management terminal is when receiving the domestic account trading instruction of client transmission, by basis
The domestic account trading instruction updates the local data base.In other words, when client is traded using domestic account, need
Real-time update is carried out to local data base according to the transaction content.During renewal, if being related to multiple domestic accounts,
Need to be updated the multiple domestic accounts being related to, to ensure the uniformity of accounts information variation.
Certainly, according to the needs of actual conditions, the domestic accounts information in local data base can also be sent to block chain
In platform, account management terminal is searched in block platform chain and obtained when inquiring about domestic accounts information；And believe in domestic account
When breath changes, then need to update the accounts information in local data base and block platform chain simultaneously.
In the present embodiment, by when receiving the account inquiries instruction that client is sent, being referred to according to the account inquiries
Make to block platform chain and send external account information acquisition request, and domestic accounts information is obtained in local presetting database；
When receiving the external account information that the block platform chain returns, the external account information and domestic accounts information are returned
The client is back to, so that the client is shown in same view simultaneously.By above method, the account in the present embodiment
On the one hand family management terminal obtains domestic accounts information, the opposing party when receiving account inquiries instruction by local data bank
Face obtains external account information by block platform chain, so as to break local and overseas operation systems because the number that systematical difference is brought
According to interaction barrier, the data center of each operation system of seamless UNICOM, convenient, highly efficient, unified data interaction is realized；To client
For, when carrying out global account inquiry, operated without logging in multiple different systems, can be looked into simultaneously at same interface
See local and overseas accounts informations, flow is concentrated efficiently, and operating procedure is simple, is improved the efficiency of client's single-point operation, is improved
The usage experience of client.
With continued reference to Fig. 2, based on above-mentioned embodiment illustrated in fig. 2, step S20 can include：
When receiving the external account information that the block platform chain returns, by the account public key to it is described overseas
Accounts information and domestic accounts information are encrypted, and the external account information of encryption and domestic accounts information are back to described
Client, for the client by account private key corresponding to the account public key to the external account information of the encryption and
Shown simultaneously in same view after domestic accounts information decryption.
The problem of accounts information security is considered in the present embodiment, accounts information management terminal is getting domestic account
When information and external account information, these accounts informations can be encrypted；Just these accounts informations are returned when encrypting and completing
It is back to the client；Client is when receiving the accounts information of these encryptions, it is necessary to enter to the accounts information of these encryptions
Row decryption can read content therein, avoid privacy leakage caused by meeting with rogue attacks in transmitting procedure.
Specifically, client can generate a pair of asymmetric account keys, including account before account inquiries request is sent
Family public key and account private key；When sending account inquiries request to accounts information management terminal, account public key can together be sent out
Send, and account private key then voluntarily retains.Accounts information management terminal, while will be by the account when receiving account inquiries request
Family public key；When getting domestic accounts information and external account information, i.e., these accounts informations are carried out by account public key
Encryption；These accounts informations are back to client when encrypting completion.Because the account private key of decryption is stored in client
Place, therefore accounts information is intercepted by illegal third party in transmitting procedure, it can not also be decrypted and read information therein.
Client is when receiving the accounts information of these encryptions, you can is decrypted by account private key, so as to read in therein
Hold information.
Certainly, the mode of information encryption is not limited to aforesaid way, can be according to actual conditions and need in specific implementation
Accounts information is encrypted using other manner.
Reference picture 3, Fig. 3 are described in Fig. 2 when receiving the account inquiries instruction of client transmission, according to the account
Query statement sends external account information acquisition request to block platform chain, and domestic account is obtained in local presetting database
The refinement schematic flow sheet of information.
Based on above-mentioned embodiment illustrated in fig. 2, step S10 includes：
Step S11, when receiving the account inquiries instruction of client transmission, included according to account inquiries instruction
Checking information judge whether the client has account inquiries authority；
Step S12, if the client has the account inquiries authority, external account letter is sent to block platform chain
Breath obtains request, and domestic accounts information is obtained in local presetting database.
In the present embodiment, the consideration in accounts information security, account management terminal is receiving client transmission
When account inquiries instruct, it is also necessary to the identity of inquiry is examined, judges whether the inquiry has account inquiries money
Lattice, that is, judge whether the client has account inquiries authority；If the client does not have account inquiries authority, then it is assumed that looks into
Inquiry person may illegally obtain behavior entering row information, now inquire about refusal；If the client has account inquiries authority, side
Perform related account inquiries operation.Specifically, client by client when carrying out account inquiries, it is desirable to provide related tests
Demonstrate,prove information；Client can be sent these checking informations to account management terminal, by account together when sending account inquiries instruction
Family management terminal verifies to these checking informations.Wherein, the way of realization of checking information can be various.For example, test
Card information can be the identifying code that bank provides when client and bank's signing open an account, and client needs to input when carrying out account inquiries
These identifying codes；Checking information can also be the physiological characteristic data (such as fingerprint, iris, facial characteristics etc.) of client, Ke Hu
Typing oneself physiological characteristic data is bound with the account of oneself when bank's signing is opened an account, when needing to inquire about account, i.e.,
The physiological characteristic data of oneself is inputted by the physiological characteristic data collector of client and carries out authentication.Certain verification mode
Can also otherwise it realize, the example above does not form the limitation to this programme.
For account management terminal when verifying completion to checking information, if thinking, these checking informations meet the bar of account inquiries
Part, i.e. client have account inquiries authority, then perform the account inquiries operation of correlation, external account is sent to block platform chain
Information acquisition request, and domestic accounts information is obtained in local presetting database.
Reference picture 4, Fig. 4 are the schematic flow sheet that account comprehensive inquiry of the present invention services second embodiment.
Based on above-mentioned Fig. 2 embodiments, the account comprehensive inquiry service in the present embodiment is also applied to block platform chain,
The account comprehensive inquiry service includes：
Step S30, when receiving the external account information acquisition request of account management terminal transmission, border corresponding to acquisition
Outer accounts information；
Step S40, the external account information is back to the account management terminal.
In the present embodiment, each operation system in bank, database, the configuration information of block platform chain and account management platform
As described in step S10, here is omitted.
In the present embodiment, account management terminal confirms target account when receiving the account inquiries information of client transmission
Family includes external account, and the information for external account overseas, therefore will be to block chain, it is necessary to obtained in block platform chain
Platform sends external account information acquisition request.Block platform chain is receiving the external account information of account management terminal transmission
When obtaining request, meeting external account according to corresponding to searching the request, and the external account information of correlation is returned into account management
Terminal.Wherein account management terminal can send the client identity information of correlation (such as when sending external account information acquisition request
Identification card number), for external account information corresponding to the lookup of block platform chain.And during external account is searched, may
Multiple external accounts (including have in a country in multiple accounts, multiple countries and be respectively present different external accounts) be present.
Now block platform chain can obtain multiple external account information simultaneously, and it is together returned to account management terminal.
Further, as described in step S10, overseas the node of the operation system of branch and block platform chain is established and had
Communication connection.Therefore when client is traded operation to external account, overseas the operation system of branch is by the transaction of correlation
Data and account transition information write the node.Block platform chain is receiving the external account transaction that overseas service terminal is sent
During instruction, i.e., update the external account information in the block platform chain according to these data messages；If transaction is related to multiple borders
Interior account, then need to be updated the multiple accounts being related to, to ensure the uniformity of accounts information variation.
Further, because block platform chain is a global network, it is connected to multiple regional different systems
Database, and due to systematical difference, different data structures may be employed to be stored to data in disparate databases,
Can be that block platform chain customizes data format rule to ensure the unification of data format in block platform chain.Each business system
System is when writing related data, it is necessary to which the form of these data is converted into corresponding form.The content of data format rule
The not only data storage rule including block platform chain, the transformation rule of returned data can also be included.Specifically, block chain is put down
Platform is responding the inquiry request of account management terminal, can also be certainly when returning to external account information to account management terminal
The dynamic data structure to information enters row format conversion, it is met data format rule, this transfer process, on the one hand can be with
Facilitate account management terminal to directly invoke account information, docked with facilitating with other systems, on the other hand, can also be to relating to
And the security for desensitize, ensureing block chain information of the information of client's secret or bank transaction secret.And for this part
The function of form conversion, can be completed by the front subsystem in block platform chain, the subsystem is mainly used in data lattice
The conversion of formula.
In specific implementation, overseas the operation system of branch is that the node of block platform chain is communicatively coupled, for changing
It, block platform chain in the case where not changing general frame, can increase the operation system of connection in a manner of configuration；This is to silver
For row, when establishing branch overseas in a new area, it is not necessary to rewrite the logic of total system again, it is only necessary to will newly divide
Capable operation system is docked with original block platform chain, you can is formed a whole with original system, is passed through various dimensions
Parametrization management, realizes quickly accessing for each branch overseas, reduces the cost of banking system exploitation and operation.
Reference picture 5, Fig. 5 are to receive the external account information acquisition request of account management terminal transmission described in Fig. 4
When, the refinement schematic flow sheet of the newest external account information of external account corresponding to acquisition.
Based on above-mentioned embodiment illustrated in fig. 4, step S30 includes：
Step S31, receive account management terminal transmission external account information acquisition request when, according to it is described overseas
The checking information that accounts information obtains request and included judges whether the account management terminal has acquisition of information authority；
Step S32, if there is the account management terminal described information to obtain authority, external account corresponding to acquisition is most
New external account information.
In the present embodiment, it is contemplated that in block platform chain the problem of accounts information security, block platform chain is receiving
, it is necessary to carry out school to the checking information of account management platform during the external account information acquisition request that account management platform is sent
Test, that is, judge whether account management terminal has account inquiries authority；If the client does not have account inquiries authority,
Think that account management terminal may illegally obtain behavior entering row information, now inquire about refusal；If account management terminal
With account inquiries authority, side performs related account inquiries operation.What deserves to be explained is the checking in the present embodiment, not only
Including the checking to client identity, include the Information Authentication of account management terminal, i.e., both need to judge the identity of client, also
Judge whether account management terminal is that (whether user is looked into effective account management of customer terminal by the legal approach for closing rule
Ask).When only the validity of the identity of client and account management terminal passes through checking, block platform chain side can perform account and look into
Ask operation.
Specifically, in block platform chain client identity verification process, the checking with client identity in account management terminal
Process is similar, when account management terminal carries out account inquiries, client can be provided to checking information and sent together to block platform chain,
These checking informations are verified by block platform chain.Wherein, the way of realization of checking information can be various.For example,
Checking information can be the identifying code that bank provides when client and bank's signing open an account, and client needs defeated when carrying out account inquiries
Enter these identifying codes；Checking information can also be the physiological characteristic data (such as fingerprint, iris, facial characteristics etc.) of client, client
It is that typing oneself physiological characteristic data is bound with the account of oneself when bank's signing is opened an account, when needing to inquire about account,
The physiological characteristic data of oneself is inputted by the physiological characteristic data collector of client and carries out authentication.Certain authentication
Formula can also otherwise realize that the example above does not form the limitation to this programme.Pass through client's body in block platform chain
The verification of part information, will be verified, specific checking procedure can be such, account pipe to the validity of account management terminal
Terminal is managed when sending external account information acquisition request, can together send the signing messages of itself, block platform chain will be to this
Signing messages is verified, so as to be verified to the validity of account management terminal.In client identity verification and account management
The validity check of terminal by when, the flat account inquiries operation that will then perform correlation of block chain, external account corresponding to acquisition
Newest external account information.
In addition, the present invention also provides a kind of account Comprehensive Query System.
Account Comprehensive Query System of the present invention includes account management terminal and block platform chain, the account comprehensive inquiry system
Account management terminal and block platform chain in system, which are established, communication connection；
The account management terminal refers to when receiving the account inquiries instruction of client transmission according to the account inquiries
Make to the block platform chain and send external account information acquisition request, and domestic account letter is obtained in local presetting database
Breath；
The block platform chain obtains when receiving the external account information acquisition request that the account management terminal is sent
External account information corresponding to taking；
The external account information is back to the account management terminal by the block platform chain；
The account management terminal is when receiving the external account information that the block platform chain returns, by described in overseas
Accounts information and domestic accounts information are back to the client, so that the client is shown in same view simultaneously.
Wherein, the function of above-mentioned account Comprehensive Query System various pieces realizes step and each step phase in above-described embodiment
Corresponding, its implementation process no longer repeats one by one here.
In addition, the present invention also provides a kind of computer-readable recording medium.
Account inquiries program is stored with computer-readable recording medium of the present invention, the account inquiries program is by processor
The step of account comprehensive inquiry service for being applied to account management terminal as described above is realized during execution.
Wherein, the method realized when the account inquiries program is performed can refer to account comprehensive inquiry service of the present invention
Each embodiment, here is omitted.
In addition, the present invention also provides a kind of computer-readable recording medium.
Account inquiries program is stored with computer-readable recording medium of the present invention, the account inquiries program is by processor
The step of account comprehensive inquiry service for being applied to block platform chain as described above is realized during execution.
Wherein, the method realized when the account inquiries program is performed can refer to account comprehensive inquiry service of the present invention
Each embodiment, here is omitted.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions to cause a station terminal equipment (can be mobile phone, computer, clothes
Be engaged in device, air conditioner, or network equipment etc.) perform method described in each embodiment of the present invention.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
- A kind of 1. account comprehensive inquiry service, it is characterised in that the account comprehensive inquiry is served by account management terminal, The account comprehensive inquiry service comprises the following steps：When receiving the account inquiries instruction of client transmission, instructed according to the account inquiries to block platform chain and send border Outer accounts information obtains request, and domestic accounts information is obtained in local presetting database；When receiving the external account information that the block platform chain returns, the external account information and domestic account are believed Breath is back to the client, so that the client is shown in same view simultaneously.
- 2. account comprehensive inquiry service as claimed in claim 1, it is characterised in that the account inquiries instruction includes account Public key, it is described when receiving the external account information that the block platform chain returns, by the external account information and within the border Accounts information is back to the client, includes for the client in same view while the step of display：When receiving the external account information that the block platform chain returns, by the account public key to the external account Information and domestic accounts information are encrypted, and the external account information of encryption and domestic accounts information are back into the client End, for the client by account private key corresponding to the account public key to the external account information of the encryption and domestic Shown simultaneously in same view after accounts information decryption.
- 3. account comprehensive inquiry service as claimed in claim 1, it is characterised in that described to receive the account of client transmission During the query statement of family, instructed according to the account inquiries to block platform chain and send external account information acquisition request, and at this The step of domestic accounts information being obtained in ground presetting database, including：When receiving the account inquiries instruction of client transmission, sentenced according to the checking information that account inquiries instruction includes Whether the client of breaking has account inquiries authority；If the client has the account inquiries authority, external account information acquisition request is sent to block platform chain, And domestic accounts information is obtained in local presetting database.
- 4. account comprehensive inquiry service as claimed any one in claims 1 to 3, it is characterised in that the account synthesis is looked into The service of inquiry also includes：When receiving the domestic account trading instruction of client transmission, according to domestic described of the account trading instruction renewal Ground presetting database.
- 5. a kind of account comprehensive inquiry service, it is characterised in that the account comprehensive inquiry is served by block platform chain, institute Stating account comprehensive inquiry service includes：When receiving the external account information acquisition request of account management terminal transmission, external account information corresponding to acquisition；The external account information is back to the account management terminal.
- 6. account comprehensive inquiry service as claimed in claim 5, it is characterised in that described to receive account management terminal hair Include during the external account information acquisition request sent, the step of the newest external account information of external account corresponding to acquisition：When receiving the external account information acquisition request of account management terminal transmission, according to the external account acquisition of information The checking information that request includes judges whether the account management terminal has acquisition of information authority；If there is the account management terminal described information to obtain authority, the newest external account of external account corresponding to acquisition Information.
- 7. such as the account comprehensive inquiry service of claim 5 or 6, it is characterised in that the account comprehensive inquiry service also includes：When receiving the external account trading instruction that overseas service terminal is sent, updated according to the external account trading instruction External account information in the block platform chain.
- A kind of 8. account Comprehensive Query System, it is characterised in that the account Comprehensive Query System include account management terminal and Block platform chain, the account Comprehensive Query System account management terminal and block platform chain, which are established, communication connection；The account management terminal receive client transmission account inquiries instruction when, according to the account inquiries instruct to The block platform chain sends external account information acquisition request, and domestic accounts information is obtained in local presetting database；The block platform chain is when receiving the external account information acquisition request that the account management terminal is sent, acquisition pair The external account information answered；The external account information is back to the account management terminal by the block platform chain；The account management terminal is when receiving the external account information that the block platform chain returns, by the external account Information and domestic accounts information are back to the client, so that the client is shown in same view simultaneously.
- 9. a kind of computer-readable recording medium, it is characterised in that be stored with account on the computer-readable recording medium and look into Program is ask, the account synthesis as any one of Claims 1-4 is realized when the account inquiries program is executed by processor The step of inquiry service.
- 10. a kind of computer-readable recording medium, it is characterised in that be stored with account on the computer-readable recording medium and look into Program is ask, the account synthesis as any one of claim 5 to 7 is realized when the account inquiries program is executed by processor The step of inquiry service.
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| CN201710583269.0A CN107545031A (en) | 2017-07-17 | 2017-07-17 | Account comprehensive inquiry service, system and computer-readable recording medium |
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| CN201710583269.0A CN107545031A (en) | 2017-07-17 | 2017-07-17 | Account comprehensive inquiry service, system and computer-readable recording medium |
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| CN108737536A (en) * | 2018-05-14 | 2018-11-02 | 百度在线网络技术（北京）有限公司 | A kind of implementation method, device, equipment and the storage medium of block catenary system |
| CN108881259A (en) * | 2018-06-30 | 2018-11-23 | 江苏恒宝智能系统技术有限公司 | A kind of bank's financial management personnel authority setting method and device combined based on block chain and iris recognition |
| CN109413203A (en) * | 2018-11-29 | 2019-03-01 | 平安科技（深圳）有限公司 | A kind of transaction data acquisition methods and device |
| CN109523385A (en) * | 2018-12-07 | 2019-03-26 | 深圳市智税链科技有限公司 | Method, accounting nodes and the medium of Transaction Information are inquired in block chain network |
| CN110334547A (en) * | 2019-07-16 | 2019-10-15 | 中国工商银行股份有限公司 | The system and method for customer information local disposition overseas |
| CN110610418A (en) * | 2018-06-15 | 2019-12-24 | 翟红鹰 | Transaction state query method, system, device and storage medium based on block chain |
| CN110674180A (en) * | 2019-09-26 | 2020-01-10 | 腾讯科技（深圳）有限公司 | Business data processing method and device and readable storage medium |
| CN111681105A (en) * | 2020-06-08 | 2020-09-18 | 中国银行股份有限公司 | Account management method and device |
| CN111914230A (en) * | 2020-07-17 | 2020-11-10 | 中国联合网络通信集团有限公司 | Block chain-based identity authentication method, system, terminal device and storage medium |
| CN113313588A (en) * | 2020-02-26 | 2021-08-27 | 京东数字科技控股股份有限公司 | Request response method, device and system, storage medium and electronic device |
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| CN113313588A (en) * | 2020-02-26 | 2021-08-27 | 京东数字科技控股股份有限公司 | Request response method, device and system, storage medium and electronic device |
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