CN108932661A - It is a kind of applied to fund management method and device across account - Google Patents
It is a kind of applied to fund management method and device across account Download PDFInfo
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- CN108932661A CN108932661A CN201710393796.5A CN201710393796A CN108932661A CN 108932661 A CN108932661 A CN 108932661A CN 201710393796 A CN201710393796 A CN 201710393796A CN 108932661 A CN108932661 A CN 108932661A
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- Prior art keywords
- account
- remote
- financial institution
- belonging
- transaction message
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
- H04L63/0464—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload using hop-by-hop encryption, i.e. wherein an intermediate entity decrypts the information and re-encrypts it before forwarding it
Abstract
The present embodiments relate to financial technology fields more particularly to a kind of applied to fund management method and device across account, including：Across account interface platform receives across the account instruction that client is sent；Across account interface platform is assembled into the transaction message format that financial institution belonging to remote account can identify according to remote account information, by transaction message；Across account interface platform determines the address information of remote account associated financial institution according to remote account information；Transaction message after the address information and assembling of remote financial mechanism is sent to client by across account interface platform, so that address information of the client according to remote financial mechanism, is sent to financial institution belonging to remote account for the transaction message after assembling.As can be seen that enterprise does not need self-built fund management system in the capital management across account, financial institution's interface of self-built direct-connected each financial institution is not needed yet, so as to avoid fund from wasting, reduces entreprise cost.
Description
Technical field
The present embodiments relate to financial fields more particularly to a kind of applied to fund management method and dress across account
It sets.
Background technique
Fig. 1 is the fund management system for being used for managed fund constructed by each enterprise in the prior art, can be with from Fig. 1
Find out, fund management system constructed by each enterprise further includes interface module 20 other than including funds systems 10, and interface
Module 20 may include first financial institution's interface 201, second financial institution's interface 202, third financial institution interface 203 etc., enterprise
The funds systems of industry connect each financial institution by each financial institution's interface in interface module, so as to carry out account in real time
Number information inquiry and fund operation.If for example, enterprise inquiry each financial institution account balance, can by operation from
Some funds systems 10 send the instruction of inquiry account balance to interface module 20, and interface module 20 receives inquiry account balance and refers to
After order, financial institution's interface corresponding to the inquiry account is determined, and will inquire more than account according to corresponding financial structure specification
Volume instruction is assembled into corresponding message, and then the message after assembling is sent to each financial structure by interface module 20, to realize account
Number inquiry into balance.
As can be seen that in the prior art, enterprise is if it is desired to carry out inquiry and fund to the information of the account of each financial institution
Operation, needs self-built fund management system to connect with each financial institution, enterprise is caused substantial contribution must to be spent to go out in this way
Send out funds systems, each financial institution's interface, build computer room, purchase of equipment, purchase safeguard service etc., and each enterprise development
Funds systems, interface system are substantially similar, since enterprise can put into a large amount of R&D funds, a large amount of R&D fund are caused to waste,
To bring biggish expense to enterprise.
Summary of the invention
The embodiment of the present invention provide it is a kind of applied to fund management method and its device across account, to reduce cost
On the basis of realize capital management.
The embodiment of the present invention provide it is a kind of applied to the fund management method across account, including：
Across account interface platform receives across the account instruction that client is sent, and carries local account in across the account instruction
Information, transaction message, remote account information, across the account instruction are described across account for carrying out fund operation to remote account
Family interface platform is set in financial institution belonging to local account and local account and remote account belong to different financial institution
Under account；
Across the account interface platform is assembled into remote account institute according to the remote account information, by the transaction message
The transaction message format that the financial institution of category can identify；
Across the account interface platform determines the remote account associated financial institution according to the remote account information
Address information；
Across the account interface platform sends out the transaction message after the address information and assembling of the remote financial mechanism
The client is given, so that address information of the client according to the remote financial mechanism, by the friendship after the assembling
Easy message is sent to financial institution belonging to the remote account.
Preferably, across the account interface platform further includes after across the account instruction for receiving client transmission：
Judge that financial institution belonging to the remote account whether there is in across the account interface platform, and if it exists,
Then according to the remote account information, the transaction message is assembled into the friendship that financial institution belonging to remote account can identify
Easy message format.
Preferably, across the account interface platform is by the transaction after the address information and assembling of the remote financial mechanism
Message is sent to the client, including：
Across the account interface platform adopts the transaction message after the address information and assembling of the remote financial mechanism
It is encrypted with the first encryption format corresponding with financial institution belonging to local account；
Across the account interface platform adds by the address information of encrypted remote financial mechanism and using described first
The close encrypted transaction message of format is sent to the client.
The embodiment of the present invention also provide it is a kind of applied to the fund management method across account, including：
Client sends across account instruction to across account interface platform, wherein local account is carried in across the account instruction
Family information, transaction message, remote account information, across the account instruction for remote account carry out fund operation, it is described across
Account interface platform is set in financial institution belonging to local account and local account and remote account belong to different financial machines
Account under structure；
The client receives the transaction message and the long-range account after the assembling that across the account interface platform is sent
The address information of financial institution belonging to the information of family；Transaction message after the assembling is financial machine belonging to the remote account
The transaction message format that structure can identify；
The address information of client financial institution according to belonging to the remote account, by the transaction after the assembling
Message is sent to financial institution belonging to the remote account.
Preferably, the transaction message by after the assembling is sent to the remote financial mechanism, including：
The client will receive described in transaction message after the assembling that sends of across account interface platform and described
The address information of remote financial mechanism is solved using the first decrypted format corresponding with financial institution belonging to local account
It is close；
The client is by the transaction message after decryption according to corresponding with financial institution belonging to the remote account
It, will be using described the according to the address information of financial institution belonging to the remote account after second encryption format is encrypted
The encrypted transaction message of two encryption formats is sent to financial institution belonging to the remote account.
Preferably, client sends across account instruction to across account interface platform, including：
The client adds across the account instruction using corresponding with financial institution belonging to local account first
Close format is sent to across the account interface platform after being encrypted.
Preferably, further including after client sends across account instruction to across account interface platform：
Communication Gateway adapter in the client, which is applied, establishes the first communication link with across the account interface platform,
So that the Communication Gateway adapter application receives transaction message and institute after the assembling that across the account interface platform is sent
State the address information of financial institution belonging to remote account；
The Communication Gateway adapter applies the address information of the financial institution according to belonging to the remote account, and described
Financial institution belonging to remote account establishes the second communication link, so that Communication Gateway adapter application reception is described long-range
The receipt message of financial institution belonging to account, and by the receipt message by first communication link be sent to it is described across
Account interface platform.
The embodiment of the present invention also provide it is a kind of applied to the capital management device across account, including：
First receiving module carries local for receiving across the account instruction of client transmission in across the account instruction
Account information, transaction message, remote account information, across the account instruction are described for carrying out fund operation to remote account
Across account interface platform is set in financial institution belonging to local account and local account from remote account belongs to different finance
Account under mechanism；
Module is assembled, the transaction message is assembled into belonging to remote account by user according to the remote account information
The transaction message format that financial institution can identify；
Determining module, for determining the address of the remote account associated financial institution according to the remote account information
Information；
First sending module, for sending the transaction message after the address information and assembling of the remote financial mechanism
To the client, so that address information of the client according to the remote financial mechanism, by the transaction after the assembling
Message is sent to financial institution belonging to the remote account.
Preferably, first receiving module is also used to after across the account instruction for receiving client transmission：
Judge that financial institution belonging to the remote account whether there is in across the account interface platform, and if it exists,
Then according to the remote account information, the transaction message is assembled into the friendship that financial institution belonging to remote account can identify
Easy message format.
Preferably, first sending module, is specifically used for：
By the transaction message after the address information and assembling of the remote financial mechanism use with belonging to local account
Corresponding first encryption format of financial institution is encrypted；
By the address information of encrypted remote financial mechanism and use the encrypted transaction of the first encryption format
Message is sent to the client.
The embodiment of the present invention also provide it is a kind of applied to the capital management device across account, including：
Second sending module, for sending across account instruction to across account interface platform, wherein in across the account instruction
Local account information, transaction message, remote account information are carried, across the account instruction is for carrying out fund behaviour to remote account
Make, across the account interface platform is set in financial institution belonging to local account and local account and remote account belong to not
With the account under financial institution；
Second receiving module, for receiving the transaction message after the assembling that across the account interface platform is sent and described
The address information of financial institution belonging to remote account information；Transaction message after the assembling is belonging to the remote account
The transaction message format that financial institution can identify；
Second sending module, is also used to the address information of financial institution belonging to the remote account, by described group
Transaction message after dress is sent to financial institution belonging to the remote account.
Preferably, second sending module, is specifically used for：
Transaction message and the remote financial machine after the assembling that across account interface platform is sent described in receiving
The address information of structure is decrypted using the first decrypted format corresponding with financial institution belonging to local account；
By the transaction message after decryption according to the second encryption lattice corresponding with financial institution belonging to the remote account
After formula is encrypted, according to the address information of financial institution belonging to the remote account, second encryption format will be used
Encrypted transaction message is sent to financial institution belonging to the remote account.
Preferably, second sending module, is specifically used for：
Across the account instruction is carried out using the first encryption format corresponding with financial institution belonging to local account
Across the account interface platform is sent to after encryption.
Preferably, second sending module is also used to after sending across account instruction to across account interface platform：
The Communication Gateway adapter for defaulting in the capital management device, which is applied, establishes the with across the account interface platform
One communication link, so that Communication Gateway adapter application receives the transaction after the assembling that across the account interface platform is sent
The address information of financial institution belonging to message and the remote account；
The Communication Gateway adapter applies the address information of the financial institution according to belonging to the remote account, and described
Financial institution belonging to remote account establishes the second communication link, so that Communication Gateway adapter application reception is described long-range
The receipt message of financial institution belonging to account, and by the receipt message by first communication link be sent to it is described across
Account interface platform.
It is provided by the above embodiment a kind of applied to the fund management method across account, including：Across account interface platform connects
Across the account instruction that client is sent is received, local account information, transaction message, remote account letter are carried in across the account instruction
Breath, for carrying out fund operation to remote account, across the account interface platform is set to local account for across the account instruction
In affiliated financial institution and local account and remote account belong to the account under different financial institution；It is described flat across account interface
Platform is assembled into the friendship that financial institution belonging to remote account can identify according to the remote account information, by the transaction message
Easy message format；Across the account interface platform determines the remote account associated financial machine according to the remote account information
The address information of structure；Across the account interface platform is by the transaction report after the address information and assembling of the remote financial mechanism
Text is sent to the client, so that address information of the client according to the remote financial mechanism, after the assembling
Transaction message be sent to financial institution belonging to the remote account.As can be seen that in the capital management across account, enterprise
Self-built fund management system is not needed, does not need financial institution's interface of self-built direct-connected each financial institution, so as to avoid yet
It causes fund to waste, reduces entreprise cost.
It is provided by the above embodiment a kind of applied to the fund management method across account, including：Client connects to across account
Mouth platform sends across account instruction, wherein local account information, transaction message, remote account are carried in across the account instruction
Information, for carrying out fund operation to remote account, across the account interface platform is set to local account for across the account instruction
In financial institution belonging to family and local account and remote account belong to the account under different financial institution；The client receives
Financial institution belonging to transaction message and the remote account information after the assembling that across the account interface platform is sent
Address information；Transaction message after the assembling is the transaction message lattice that financial institution belonging to the remote account can identify
Formula；The address information of client financial institution according to belonging to the remote account, by the transaction message after the assembling
It is sent to financial institution belonging to the remote account.As can be seen that enterprise does not need self-built in the capital management across account
Fund management system does not need financial institution's interface of self-built direct-connected each financial institution yet, so as to avoid fund wave
Take, reduces entreprise cost.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly introduced.
Fig. 1 is the structural schematic diagram for the fund management system in the prior art that the embodiment of the present invention one provides；
Fig. 2 is a kind of flow diagram applied to the fund management method across account provided in an embodiment of the present invention；
Fig. 3 is across account interface platform provided in an embodiment of the present invention in across the account instruction for receiving client transmission
Performed method flow schematic diagram afterwards；
Fig. 4 is the method flow schematic diagram provided in an embodiment of the present invention configured to across account interface platform；
Fig. 5 is a kind of flow diagram applied to the fund management method across account provided by Embodiment 2 of the present invention；
Fig. 6 is a kind of flow diagram applied to the fund management method across account provided by Embodiment 2 of the present invention；
Fig. 7 is a kind of structural schematic diagram applied to the capital management device across account provided in an embodiment of the present invention；
Fig. 8 is another structural schematic diagram for being applied to the capital management device across account provided in an embodiment of the present invention.
Specific embodiment
In order to which the purpose of the present invention, technical solution and beneficial effect is more clearly understood, below in conjunction with attached drawing and implementation
Example, the present invention will be described in further detail.It should be appreciated that specific embodiment described herein is only used to explain this hair
It is bright, it is not intended to limit the present invention.
Embodiment one
Fig. 2 illustrates a kind of process applied to the fund management method across account provided in an embodiment of the present invention
Schematic diagram, as shown in Fig. 2, this method may include：
S201, across account interface platform receive across the account instruction that client is sent, and should carry locally in across account instruction
Account information, transaction message, remote account information, across the account instruction are described for carrying out fund operation to remote account
Across account interface platform is set in financial institution belonging to local account and local account from remote account belongs to different finance
Account under mechanism.
Transaction message is assembled into gold belonging to remote account according to remote account information by S202, across account interface platform
Melt the transaction message format that mechanism can identify.
S203, across account interface platform determine the address information of remote financial mechanism according to remote account information.
Transaction message after the address information and assembling of remote financial mechanism is sent to by S204, across account interface platform
Client, so that address information of the client according to remote financial mechanism, is sent to remote account for the transaction message after assembling
Affiliated financial institution.
Financial institution belonging to remote account after receiving the transaction message after assembling, can fund to remote account into
Row operation.Wherein, financial institution belonging to remote account operates the fund of remote account, it may include but be not limited to as follows
Several ways：
Mode one collects the fund of remote account in local account；Alternatively,
Mode two is paid the bill by local account to remote account；Alternatively,
Mode three, the balance information for inquiring remote account.
Optionally, in order to improve the safety across account interface platform, across account interface platform is receiving client hair
After across the account instruction sent, local account can be verified, according to the local account information carried in being instructed across account if right
Local account is verified, then continues to judge that financial institution belonging to remote account whether there is in across account interface platform,
If it exists, then according to remote account information, transaction message is assembled into the friendship that financial institution belonging to remote account can identify
Otherwise easy message format terminates process.
Optionally, in order to improve the safety across account interface platform, across account interface platform is receiving client hair
After across the account instruction sent, method flow shown in Fig. 3 can also carry out.
S301, across account interface platform receive across the account instruction that client is sent, and should carry locally in across account instruction
Account information, transaction message, remote account information, across the account instruction are described for carrying out fund operation to remote account
Across account interface platform is set in financial institution belonging to local account and local account from remote account belongs to different finance
Account under mechanism.
S302, across account interface platform judge that local account is according to the local account information carried in across account instruction
No is legal signing account, if so, going to step S303, otherwise, terminates process.
S303, across account interface platform determine remote account institute according to the remote account information carried in across account instruction
The financial institution of category.
S304, across account interface platform financial institution according to belonging to remote account, judge finance belonging to remote account
Mechanism whether there is in across account interface platform, if so, going to step S305, otherwise, terminate process.
S305, across account interface platform determine the address letter of remote account associated financial institution according to remote account information
Breath.
Optionally, the address information of long-range account associated financial institution is with can be the IP of remote account associated financial institution
Location, port numbers etc..
Transaction message is assembled into gold belonging to remote account according to remote account information by S306, across account interface platform
Melt the transaction message format that mechanism can identify.
S307, across account interface platform will be after the address informations and assembling of determining remote account associated financial institution
Transaction message is encrypted using the first encryption format corresponding with financial institution belonging to local account.
Optionally, for the efficiency of improve data transfer, across account interface platform can only be adopted the transaction message after assembling
Encrypted with the first encryption format corresponding with financial institution belonging to local account, and will determine remote account associated financial
The address information of mechanism is without encryption.For the safety of improve data transfer, across account interface platform can also will be determining
The address information and the transaction message after assembling of remote account associated financial institution are all made of and finance belonging to local account
Corresponding first encryption format of mechanism is encrypted.
S308, across account interface platform are by the address information of encrypted remote financial mechanism and using the first encryption lattice
The encrypted transaction message of formula is sent to client.
In above-mentioned steps S203 and above-mentioned steps S305, across account interface platform is determined according to remote account information
When the address information of remote account associated financial institution, across account interface platform can be first according to remote account information, and determining should
Financial institution belonging to remote account；Then across account interface platform financial institution according to belonging to the remote account, inquiry are pre-
The address mapping table first established determines the address information of financial institution belonging to the remote account.
Optionally, it in order to guarantee the safety communicated, is sent in client to across account interface platform and instructs it across account
Afterwards, the Communication Gateway adapter application in client can also establish the first communication link with across account interface platform, so that communication
Gateway adapter application receives finance belonging to transaction message and remote account after the assembling that across account interface platform is sent
The address information of mechanism.
Communication Gateway adapter applies the address information of the financial institution according to belonging to remote account, and belonging to remote account
Financial institution establish the second communication link so that the application of Communication Gateway adapter receives financial institution belonging to remote account
Receipt message, and the receipt message is sent to across account interface platform by the first communication link.
In addition, across account interface platform also needs to be managed client data：It will need to carry out across account business
Static data that the client of financial institution obtains in other financial institutions, attribute data are entered into across account interface platform in advance
In, when across account interface platform communicate and assemble transaction message, encryption and decryption, verifying when, obtain these data automatically and sentenced
Disconnected and use.
Inter-bank interface platform also configures interface management to remote account associated financial institution：Set of interfaces management and message are matched
Management submodule is set to be responsible for managing the set of the direct-connected system of remote account associated financial institution, message lattice using configurationization mode
The data such as formula, message field (MFLD) are managed.
Before across the account instruction that across account interface platform can receive client transmission, it is also necessary to across account interface
Platform is configured, so that across account interface platform is capable of handling across the account instruction of client transmission, to across account interface
The method flow that platform is configured, reference can be made to Fig. 4.
S401, across account interface platform configure the operating right across account interface platform.
Optionally, across account interface platform can configure the operating right across account interface platform to administrator and business behaviour
The two kinds of permission of work person.
S402, across account interface platform configure the client data in across account interface platform.
Legitimate client is configured effective communication mode by S403, across account interface platform, can handle across account business.
The financial institute information that S404, across account interface platform can connect across account interface platform configures.
The IP address for each financial institution that S405, across account interface platform can connect across account interface platform, end
The address informations such as slogan and the message format information of each financial institution is configured.
According to the above as can be seen that enterprise does not need self-built fund management system in the capital management across account,
Do not need financial institution's interface of self-built direct-connected each financial institution yet, so as to avoid fund waste, reduce enterprise at
This.
Embodiment two
Fig. 5 illustrates a kind of process applied to the fund management method across account provided in an embodiment of the present invention
Schematic diagram, as shown in figure 5, this method may include：
S501, client send across account instruction to across account interface platform, wherein local account is carried in across account instruction
Family information, transaction message, remote account information, across the account instruction for remote account carry out fund operation, it is described across
Account interface platform is set in financial institution belonging to local account and local account and remote account belong to different financial machines
Account under structure.
S502, client receive belonging to transaction message and remote account after the assembling that across account interface platform is sent
The address information of financial institution, the transaction message after the assembling are the transaction that financial institution belonging to remote account can identify
Message format.
S503, client financial institution according to belonging to remote account address information, by after assembling transaction message send out
Give financial institution belonging to remote account.
Specifically, client receives report of trading after the first encryption format of use that across account interface platform is sent will assemble
The address information of financial institution belonging to text and remote account carries out encrypted transaction message and encrypted long-range account
When the address information of financial institution belonging to family, using the first decrypted format corresponding with financial institution belonging to local account
It is decrypted.
Then, client will be decrypted using the first decrypted format corresponding with financial institution belonging to local account
After transaction message afterwards is encrypted according to the second encryption format corresponding with financial institution belonging to the remote account, root
According to the address information of financial institution belonging to remote account, will be sent to far using the encrypted transaction message of the second encryption format
Financial institution belonging to journey account.
In above-mentioned steps S501, when client sends across account instruction to across account interface platform, client can be adopted
Across account interface platform is sent after being encrypted with the first encryption format corresponding with financial institution belonging to local account.
According to the above as can be seen that enterprise does not need self-built fund management system in the capital management across account,
Do not need financial institution's interface of self-built direct-connected each financial institution yet, so as to avoid fund waste, reduce enterprise at
This.
Embodiment three
Below by a specific embodiment, detailed explanation is carried out to above-mentioned method flow.
The financial institution belonging to the hypothesis local account 123 is A bank, and across account interface platform is set to A silver
In row, financial institution belonging to remote account 456 is B bank, it is further assumed that having pre-saved this in across account interface platform
Ground account 123, and financial institution B bank and gold belonging to remote account 456 are pre-saved in across account interface platform
Melt the address information of B bank of mechanism, it is further assumed that：Encryption format corresponding with A bank is the first encryption format, with A silver
The corresponding decrypted format of row is the first decrypted format, and encryption format corresponding with B bank is the second encryption format, with B silver
The corresponding decrypted format of row is the second decrypted format, then the fund in B bank medium-long range account 456 is collected A bank
Process experienced in local account 123, reference can be made to Fig. 6.
It should be noted that in practical applications, Communication Gateway adapter can be integrated in client, it can also be with client
Separate design, in the present embodiment for ease of description, using the form of client and Communication Gateway adapter separate design.
S601, client send across account instruction to across the account interface platform of A bank, should carry this in across account instruction
Ground account information " 123 ", transaction message " collecting the fund in remote account 456 in local account 123 ", remote account letter
It ceases " 456 ".
Specifically, client is when sending across account instruction to across the account interface platform of A bank, it can will across account instruction
Across the account interface platform of A bank is sent to after being encrypted using the first encryption format corresponding with A bank.
S602, across account interface platform verify local account " 123 ", due to protecting in advance in across account interface platform
There are local account " 123 ", therefore, local account " 123 " is verified.
S603, across account interface platform verify B bank of financial institution, due to protecting in advance in across account interface platform
There is B bank of financial institution, therefore, across account interface platform is verified B bank of financial institution.
S604, across account interface platform determine the ground of B bank of financial institution according to the identification information of B bank of financial institution
Location information.
Fund in remote account 456 " is collected local account 123 by transaction message by S605, across account interface platform
In " it is assembled into the message format that B bank can identify.
S606, across account interface platform establish the first communication link between the application of Communication Gateway adapter.
S607, across account interface platform " will be in remote accounts 456 to the transaction message after assembling using the first encryption format
Fund collect in local account 123 " encrypted.
S608, across account interface platform will be sent to Communication Gateway adapter application after encryption, meanwhile, it is flat across account interface
The address information of financial institution B is also sent to Communication Gateway adapter application in client by platform.
S609, Communication Gateway adapter are applied after receiving using the encrypted transaction message of the first encryption format, are adopted
Encrypted transaction message is decrypted with the first decrypted format.
Communication Gateway adapter in S610, client is established according to the address information of financial institution B with financial institution B
Second communication link.
Communication Gateway adapter in S611, client adds the transaction message after decryption using the second encryption format
Close, signature.
Communication Gateway adapter in S612, client will pass through the using the encrypted transaction message of the second encryption format
Two communication links are sent to B bank of financial institution.
Encrypted transaction message is decrypted using the second decrypted format for S613, B bank of financial institution.
S614, B bank of financial institution carry out business operation to the transaction message after decryption, generate transaction results data.
Specifically, the fund in remote account " 456 " is collected the local of A bank of financial institution by B bank of financial institution
In account " 123 ".
It should be noted that the fund in remote account " 456 " is collected financial institution A silver in B bank of financial institution
When in capable local account " 123 ", success or not no matter is collected, transaction results data can be all generated.
S615, B bank of financial institution encrypt transaction results data using the second encryption format.
S616, financial institution B bank transaction result data are sent to Communication Gateway adapter by the second communication link and answer
With.
S617, Communication Gateway adapter interface applications are received transaction results and are decrypted using the second decrypted format.
Communication Gateway adapter in S618, client disconnects the second communication link with financial institution B bank.
S619, Communication Gateway adapter, which are applied, encrypts transaction results data using the first encryption format.
S620, Communication Gateway adapter apply by encrypted transaction data be sent to A bank of financial institution across account
Interface platform.
Across the account interface platform reception transaction results data of S621, financial institution A, and using the first decrypted format to friendship
Easy result data is decrypted.
Across account interface platform the first communication link of disconnection of S622, financial institution A, i.e. financial institution A's connects across account
Mouth platform disconnects the first communication link between the application of Communication Gateway adapter.
S623, financial institution A across account interface platform by transaction results data conversion cost platform message format, send
To the operation system of financial institution A, and the operation system of financial institution A handles transaction results data.
S624, processing result is returned into client.
According to the above as can be seen that enterprise does not need self-built fund management system in the capital management across account,
Do not need financial institution's interface of self-built direct-connected each financial institution yet, so as to avoid fund waste, reduce enterprise at
This.
Based on same idea, the embodiment of the present invention provides a kind of device, as shown in figure 5, the device may include：
Based on the same technical idea, the embodiment of the present invention also provides a kind of applied to the capital management device across account,
As shown in fig. 7, the device includes：
First receiving module 701 carries this in across the account instruction for receiving across the account instruction of client transmission
Ground account information, transaction message, remote account information, across the account instruction is for carrying out fund operation, institute to remote account
State that across account interface platform is set in financial institution belonging to local account and local account from remote account belongs to different gold
Melt the account under mechanism；
Module 702 is assembled, the transaction message is assembled into belonging to remote account by user according to the remote account information
The transaction message format that can identify of financial institution；
Determining module 703, for determining the ground of the remote account associated financial institution according to the remote account information
Location information；
First sending module 704, for by the transaction message after the address information and assembling of the remote financial mechanism
It is sent to the client, so that address information of the client according to the remote financial mechanism, after the assembling
Transaction message is sent to financial institution belonging to the remote account.
Preferably, the first receiving module 701 is also used to after across the account instruction for receiving client transmission：
Judge that financial institution belonging to the remote account whether there is in across the account interface platform, and if it exists,
Then according to the remote account information, the transaction message is assembled into the friendship that financial institution belonging to remote account can identify
Easy message format.
Preferably, the first sending module 704, is specifically used for：
By the transaction message after the address information and assembling of the remote financial mechanism use with belonging to local account
Corresponding first encryption format of financial institution is encrypted；
By the address information of encrypted remote financial mechanism and use the encrypted transaction of the first encryption format
Message is sent to the client.
The embodiment of the present invention also provide it is a kind of applied to the capital management device across account, as shown in figure 8, the dress can wrap
It includes：
Second sending module 801, for sending across account instruction to across account interface platform, wherein described to refer to across account
Local account information, transaction message, remote account information are carried in order, across the account instruction is for providing remote account
Gold operation, across the account interface platform is set in financial institution belonging to local account and local account and remote account category
Account under different financial institution；
Second receiving module 802, for receive the transaction message after the assembling that across the account interface platform is sent and
The address information of financial institution belonging to the remote account information；Transaction message after the assembling is the remote account institute
The transaction message format that the financial institution of category can identify；
Second sending module 801, is also used to the address information of financial institution belonging to the remote account, by the assembling
Transaction message afterwards is sent to financial institution belonging to the remote account.
Preferably, the second sending module 801, is specifically used for：
Transaction message and the remote financial machine after the assembling that across account interface platform is sent described in receiving
The address information of structure is decrypted using the first decrypted format corresponding with financial institution belonging to local account；
By the transaction message after decryption according to the second encryption lattice corresponding with financial institution belonging to the remote account
After formula is encrypted, according to the address information of financial institution belonging to the remote account, second encryption format will be used
Encrypted transaction message is sent to financial institution belonging to the remote account.
Preferably, the second sending module 801, is specifically used for：
Across the account instruction is carried out using the first encryption format corresponding with financial institution belonging to local account
Across the account interface platform is sent to after encryption.
Preferably, the second sending module 801 is also used to after sending across account instruction to across account interface platform：
The Communication Gateway adapter for defaulting in the capital management device, which is applied, establishes the with across the account interface platform
One communication link, so that Communication Gateway adapter application receives the transaction after the assembling that across the account interface platform is sent
The address information of financial institution belonging to message and the remote account；
The Communication Gateway adapter applies the address information of the financial institution according to belonging to the remote account, and described
Financial institution belonging to remote account establishes the second communication link, so that Communication Gateway adapter application reception is described long-range
The receipt message of financial institution belonging to account, and by the receipt message by first communication link be sent to it is described across
Account interface platform.
To sum up, provided in an embodiment of the present invention a kind of applied to fund management method and its device across account, including：Across
Account interface platform receives across the account instruction that client is sent, and local account information, transaction are carried in across the account instruction
Message, remote account information, across the account instruction is for carrying out fund operation, across the account interface platform to remote account
It is set in financial institution belonging to local account and local account and remote account belongs to the account under different financial institution；Institute
Across account interface platform is stated according to the remote account information, the transaction message is assembled into financial machine belonging to remote account
The transaction message format that structure can identify；Across the account interface platform determines described long-range according to the remote account information
The address information of account associated financial institution；Across the account interface platform by the address information of the remote financial mechanism and
Transaction message after assembling is sent to the client, so that the client is believed according to the address of the remote financial mechanism
Breath, is sent to financial institution belonging to the remote account for the transaction message after the assembling.As can be seen that across account
When capital management, enterprise does not need self-built fund management system, and the financial institution for also not needing self-built direct-connected each financial institution connects
Mouthful, so as to avoid fund waste, reduce entreprise cost.
It is provided in an embodiment of the present invention a kind of applied to fund management method and its device across account, including：Client
Across account instruction is sent to across account interface platform, wherein local account information, transaction report are carried in across the account instruction
Text, remote account information, for carrying out fund operation to remote account, across the account interface platform is set for across the account instruction
It is placed in financial institution belonging to local account and local account and remote account belongs to the account under different financial institution；It is described
Client receives belonging to transaction message and the remote account information after the assembling that across the account interface platform is sent
The address information of financial institution；Transaction message after the assembling is what financial institution belonging to the remote account can identify
Transaction message format；The address information of client financial institution according to belonging to the remote account, after the assembling
Transaction message be sent to financial institution belonging to the remote account.As can be seen that in the capital management across account, enterprise
Self-built fund management system is not needed, does not need financial institution's interface of self-built direct-connected each financial institution, so as to avoid yet
It causes fund to waste, reduces entreprise cost.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method or computer program product.
Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the present invention
Form.It is deposited moreover, the present invention can be used to can be used in the computer that one or more wherein includes computer usable program code
The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
Formula.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
Claims (14)
1. a kind of applied to the fund management method across account, which is characterized in that including：
Across account interface platform receives across the account instruction that client is sent, and local account letter is carried in across the account instruction
Breath, transaction message, remote account information, across the account instruction are described across account for carrying out fund operation to remote account
Interface platform is set in financial institution belonging to local account and local account and remote account belong under different financial institution
Account；
The transaction message is assembled into belonging to remote account by across the account interface platform according to the remote account information
The transaction message format that financial institution can identify；
Across the account interface platform determines the address of the remote account associated financial institution according to the remote account information
Information；
Transaction message after the address information and assembling of the remote financial mechanism is sent to by across the account interface platform
The client, so that address information of the client according to the remote financial mechanism, by the transaction report after the assembling
Text is sent to financial institution belonging to the remote account.
2. the method as described in claim 1, which is characterized in that across the account interface platform is receiving client transmission
After across account instruction, further include：
Judge that financial institution belonging to the remote account whether there is in across the account interface platform, and if it exists, then root
According to the remote account information, the transaction message is assembled into the transaction report that financial institution belonging to remote account can identify
Literary format.
3. the method as described in claim 1, which is characterized in that across the account interface platform is by the remote financial mechanism
Transaction message after address information and assembling is sent to the client, including：
Across the account interface platform by the transaction message after the address information and assembling of the remote financial mechanism use with
Corresponding first encryption format of financial institution belonging to local account is encrypted；
Across the account interface platform is by the address information of encrypted remote financial mechanism and using the first encryption lattice
The encrypted transaction message of formula is sent to the client.
4. a kind of applied to the fund management method across account, which is characterized in that including：
Client sends across account instruction to across account interface platform, wherein local account letter is carried in across the account instruction
Breath, transaction message, remote account information, across the account instruction are described across account for carrying out fund operation to remote account
Interface platform is set in financial institution belonging to local account and local account and remote account belong under different financial institution
Account；
The client receives the transaction message after the assembling that across the account interface platform is sent and remote account letter
The address information of financial institution belonging to breath；Transaction message after the assembling is financial institution's energy belonging to the remote account
The transaction message format enough identified；
The address information of client financial institution according to belonging to the remote account, by the transaction message after the assembling
It is sent to financial institution belonging to the remote account.
5. method as claimed in claim 4, which is characterized in that the transaction message by after the assembling is sent to described remote
Journey financial institution, including：
The client will receive described in transaction message after the assembling that sends of across account interface platform and described long-range
The address information of financial institution is decrypted using the first decrypted format corresponding with financial institution belonging to local account；
The client is by the transaction message after decryption according to corresponding with financial institution belonging to the remote account second
After encryption format is encrypted, according to the address information of financial institution belonging to the remote account, it will add using described second
The close encrypted transaction message of format is sent to financial institution belonging to the remote account.
6. method as claimed in claim 4, which is characterized in that client sends across account instruction to across account interface platform,
Including：
The client is by across the account instruction using the first encryption lattice corresponding with financial institution belonging to local account
Formula is sent to across the account interface platform after being encrypted.
7. method as claimed in claim 4, which is characterized in that send across account instruction to across account interface platform in client
Later, further include：
Communication Gateway adapter in the client, which is applied, establishes the first communication link with across the account interface platform, so that
Communication Gateway adapter application receives the transaction message after the assembling that across the account interface platform is sent and described remote
The address information of financial institution belonging to journey account；
The Communication Gateway adapter applies the address information of the financial institution according to belonging to the remote account, and described long-range
Financial institution belonging to account establishes the second communication link, so that Communication Gateway adapter application receives the remote account
The receipt message of affiliated financial institution, and the receipt message is sent to by first communication link described across account
Interface platform.
8. a kind of applied to the capital management device across account, which is characterized in that including：
First receiving module carries local account in across the account instruction for receiving across the account instruction of client transmission
Information, transaction message, remote account information, across the account instruction are described across account for carrying out fund operation to remote account
Family interface platform is set in financial institution belonging to local account and local account and remote account belong to different financial institution
Under account；
Module is assembled, user is assembled into finance belonging to remote account according to the remote account information, by the transaction message
The transaction message format that mechanism can identify；
Determining module, for determining the address information of the remote account associated financial institution according to the remote account information；
First sending module, for the transaction message after the address information and assembling of the remote financial mechanism to be sent to institute
Client is stated, so that address information of the client according to the remote financial mechanism, by the transaction message after the assembling
It is sent to financial institution belonging to the remote account.
9. device as claimed in claim 8, which is characterized in that first receiving module is receiving client transmission
After across account instruction, it is also used to：
Judge that financial institution belonging to the remote account whether there is in across the account interface platform, and if it exists, then root
According to the remote account information, the transaction message is assembled into the transaction report that financial institution belonging to remote account can identify
Literary format.
10. device as claimed in claim 8, which is characterized in that first sending module is specifically used for：
Transaction message after the address information and assembling of the remote financial mechanism is used and finance belonging to local account
Corresponding first encryption format of mechanism is encrypted；
By the address information of encrypted remote financial mechanism and use the encrypted transaction message of the first encryption format
It is sent to the client.
11. a kind of applied to the capital management device across account, which is characterized in that including：
Second sending module, for sending across account instruction to across account interface platform, wherein carried in across the account instruction
Local account information, transaction message, remote account information, across the account instruction for remote account carry out fund operation,
Across the account interface platform is set in financial institution belonging to local account and local account and remote account belong to difference
Account under financial institution；
Second receiving module, for receiving the transaction message after the assembling that across the account interface platform is sent and described long-range
The address information of financial institution belonging to account information；Transaction message after the assembling is finance belonging to the remote account
The transaction message format that mechanism can identify；
Second sending module, is also used to the address information of financial institution belonging to the remote account, after the assembling
Transaction message be sent to financial institution belonging to the remote account.
12. device as claimed in claim 11, which is characterized in that second sending module is specifically used for：
Transaction message and the remote financial mechanism after the assembling that across account interface platform described in receiving is sent
Address information is decrypted using the first decrypted format corresponding with financial institution belonging to local account；
By the transaction message after decryption according to the second encryption format corresponding with financial institution belonging to the remote account into
After row encryption, according to the address information of financial institution belonging to the remote account, it will be encrypted using second encryption format
Transaction message afterwards is sent to financial institution belonging to the remote account.
13. device as claimed in claim 11, which is characterized in that second sending module is specifically used for：
Across the account instruction is encrypted using the first encryption format corresponding with financial institution belonging to local account
After be sent to across the account interface platform.
14. device as claimed in claim 11, which is characterized in that second sending module, to across account interface platform
After sending across account instruction, it is also used to：
The Communication Gateway adapter for defaulting in the capital management device is logical using establishing first with across the account interface platform
Link is interrogated, so that Communication Gateway adapter application receives the transaction message after the assembling that across the account interface platform is sent
And the address information of financial institution belonging to the remote account；
The Communication Gateway adapter applies the address information of the financial institution according to belonging to the remote account, and described long-range
Financial institution belonging to account establishes the second communication link, so that Communication Gateway adapter application receives the remote account
The receipt message of affiliated financial institution, and the receipt message is sent to by first communication link described across account
Interface platform.
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| CN201710393796.5A CN108932661B (en) | 2017-05-27 | 2017-05-27 | Cross-account fund management method and device |
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| CN201710393796.5A CN108932661B (en) | 2017-05-27 | 2017-05-27 | Cross-account fund management method and device |
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| CN108932661B (en) | 2021-03-19 |
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