CN111178850A - Transaction method, device and system - Google Patents

Transaction method, device and system Download PDF

Info

Publication number
CN111178850A
CN111178850A CN201911418098.1A CN201911418098A CN111178850A CN 111178850 A CN111178850 A CN 111178850A CN 201911418098 A CN201911418098 A CN 201911418098A CN 111178850 A CN111178850 A CN 111178850A
Authority
CN
China
Prior art keywords
authorization
information
transaction
authorization information
core system
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CN201911418098.1A
Other languages
Chinese (zh)
Other versions
CN111178850B (en
Inventor
丁海兰
管婷婷
杜文睿
张朋
李娜
邓玉林
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Bank of China Ltd
Original Assignee
Bank of China Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bank of China Ltd filed Critical Bank of China Ltd
Priority to CN201911418098.1A priority Critical patent/CN111178850B/en
Publication of CN111178850A publication Critical patent/CN111178850A/en
Application granted granted Critical
Publication of CN111178850B publication Critical patent/CN111178850B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q10/00Administration; Management
    • G06Q10/10Office automation; Time management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60Protecting data
    • G06F21/604Tools and structures for managing or administering access control systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Economics (AREA)
  • Accounting & Taxation (AREA)
  • Marketing (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Human Resources & Organizations (AREA)
  • Software Systems (AREA)
  • Bioethics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Hardware Design (AREA)
  • General Health & Medical Sciences (AREA)
  • Technology Law (AREA)
  • General Engineering & Computer Science (AREA)
  • Data Mining & Analysis (AREA)
  • Health & Medical Sciences (AREA)
  • Automation & Control Theory (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a transaction method, a device and a system, wherein the method comprises the following steps: acquiring and storing first authorization information of a peripheral system; generating authorization identification data according to the first authorization information; sending the authorization identification data and the transaction information to a core system, and receiving second authorization information sent by the core system; the second authorization information is generated by the core system according to the authorization identification data and the transaction information; merging the first authorization information and the second authorization information to obtain merged authorization data; and acquiring the merging authorization information according to the merging authorization data, and sending the merging authorization information to the core system so that the core system carries out transaction according to the authorization merging information. The invention obtains the combined authorization information by combining the authorization data, reduces the times of obtaining the authorization information in the process of one transaction, improves the efficiency of transaction of tellers, reduces the waiting time of clients and can improve the experience of the clients.

Description

Transaction method, device and system
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a transaction method, device, and system.
Background
In some special scenes, a front-end system needs to call 2 or more systems in series according to business requirements to complete a business function (a transaction process often corresponds to an independent business), authorization check points of different systems are mutually independent, when an authorization point is met, an authorization system is triggered to return an authorization mark or an authorization packet to the front-end system, and the front-end system prompts a teller to perform authorization operation, so that if one transaction triggers 2 or more authorization points of the systems, the teller needs to initiate 2 or more authorization requests to the authorization teller through the front-end system, the authorization teller needs to enter 2 or more authorization information, the front-end system also needs to perform 2 or more authorization information checks to complete the transaction, and the multiple authorization reduces the business handling efficiency of the teller.
Disclosure of Invention
The invention provides a transaction method, a transaction device and a transaction system, which can reduce the times of obtaining authorization information in a transaction process, improve the efficiency of transaction of tellers and reduce the waiting time of clients.
In a first aspect, an embodiment of the present invention provides a transaction method, where the method includes: acquiring and storing first authorization information of a peripheral system; generating authorization identification data according to the first authorization information; sending the authorization identification data and the transaction information to a core system, and receiving second authorization information sent by the core system; the second authorization information is generated by the core system according to the authorization identification data and the transaction information; merging the first authorization information and the second authorization information to obtain merged authorization data; and acquiring the merging authorization information according to the merging authorization data, and sending the merging authorization information to the core system so that the core system carries out transaction according to the authorization merging information.
In a second aspect, an embodiment of the present invention further provides a transaction method, where the method includes: acquiring authorization identification data and transaction information, and generating second authorization information according to the identification data and the transaction information; the authorization identification data is used for judging whether the peripheral system needs to execute authorization operation; sending the second authorization information to the front-end system; acquiring the merging authorization information, and carrying out transaction according to the authorization merging information; the combined authorization information is acquired by the front-end system according to the first authorization information and the second authorization information.
In a third aspect, an embodiment of the present invention further provides a transaction apparatus, where the apparatus includes: the cache module is used for acquiring and storing first authorization information of the peripheral system; the generating module is used for generating authorization identification data according to the first authorization information; the first sending module is used for sending the authorization identification data and the transaction information to a core system and receiving second authorization information sent by the core system; the second authorization information is generated by the core system according to the authorization identification data and the transaction information; the merging module is used for merging the first authorization information and the second authorization information to obtain merged authorization data; the first acquisition module is used for acquiring merging authorization information according to the merging authorization data and sending the merging authorization information to the core system so that the core system can carry out transaction according to the authorization merging information.
In a fourth aspect, an embodiment of the present invention further provides a transaction apparatus, including: the second acquisition module is used for acquiring the authorization identification data and the transaction information and generating second authorization information according to the identification data and the transaction information; the authorization identification data is used for judging whether the peripheral system needs to execute authorization operation; the second sending module is used for sending the second authorization information to a front-end system; the transaction module is used for acquiring the combined authorization information and carrying out transaction according to the authorization combined information; and the combined authorization information is acquired by the front-end system according to the first authorization information and the second authorization information.
In a fifth aspect, an embodiment of the present invention further provides a transaction system, where the transaction system includes: a front-end system, a core system and at least one peripheral system; the front-end system is in communication connection with each peripheral system; the front-end system is in communication connection with the core system; the front-end system comprises the transaction device; the core system comprises the transaction device.
In a sixth aspect, an embodiment of the present invention further provides a computer device, including a memory and a processor, where the memory stores a computer program operable on the processor, and the processor implements the transaction method when executing the computer program.
In a seventh aspect, an embodiment of the present invention further provides a computer-readable medium having a non-volatile program code executable by a processor, where the program code causes the processor to execute the above transaction method.
The embodiment of the invention has the following beneficial effects: the embodiment of the invention provides a transaction scheme, which comprises the following steps: the method comprises the steps of obtaining and storing first authorization information sent by a peripheral system, generating authorization identification data according to the first authorization information, sending the authorization identification data and transaction information to a core system, receiving second authorization information sent by the core system, generating the second authorization information according to the authorization identification data and the transaction information by the core system, merging the first authorization information and the second authorization information to obtain merged authorization data, obtaining the merged authorization information according to the merged authorization data, and finally sending the merged authorization information to the core system so that the core system conducts transaction according to the authorized merged authorization information. The embodiment of the invention obtains the combined authorization information by combining the authorization data, reduces the times of obtaining the authorization information in the one-time transaction process, improves the efficiency of transaction of tellers, reduces the waiting time of clients and can improve the experience of the clients.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
FIG. 1 is a flow chart of a transaction method according to an embodiment of the present invention;
FIG. 2 is a flow chart of another transaction method provided by an embodiment of the invention;
FIG. 3 is a diagram illustrating the original business process of an anti-money laundering and core system concatenation with authorization of the anti-money laundering and core system provided by an embodiment of the present invention;
FIG. 4 is a schematic diagram of a transaction operation using the present scheme according to an embodiment of the present invention;
FIG. 5 is a block diagram of a transaction device according to an embodiment of the present invention;
FIG. 6 is a block diagram of another transaction device according to an embodiment of the present invention;
fig. 7 is a block diagram of a computer device according to an embodiment of the present invention.
Detailed Description
To make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is apparent that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The overseas front-end system is connected with the overseas core system and more than 30 overseas peripheral systems, so that the teller can complete the function of transacting the system business through the teller.
Overseas core system: the system is a new-generation bank system which takes customers as a center, meets the requirements of centralized customer information management, separation of transaction and accounting, whole-line account management, separation of foreground and background, flexible and safe parameter control and centralized operation risk management, and realizes version unification and data logic centralization.
Peripheral system: it is a system which surrounds the core system, provides information and transmits instructions, and assists the core system to operate, such as an anti-money laundering system, an online banking system, a credit system and the like.
Overseas teller front-end system: the teller terminal platform directly used bears the important function of connecting with a core system and a peripheral system, and provides a new generation system of unified basic services such as processing flow, business logic control, user interaction processing, peripheral calling and the like, and is hereinafter referred to as a front-end system.
Referring to the original business flow of the anti-money laundering and core system series connection shown in fig. 3, some core transactions of overseas teller front-end systems related to client information type need to be sent to an anti-money laundering peripheral system for checking and then sent to a core system to complete the transaction, when the transaction information hits an authorization point of the anti-money laundering system in the process of sending and checking the anti-money laundering system, the anti-money laundering system returns a hit authorization mark to the front-end system, the front-end prompts a teller to input authorization information, the front-end verifies the authorization information, after the authorization passes, the front-end sends the transaction information to the core system, if the transaction information hits the authorization point of the core system, the core system returns a 07 authorization packet (data in the 07 authorization packet has a predetermined format and contains authorization prompt information of the core system) to the front-end, the front-end displays the authorization prompt information and inputs the authorization information, the front end verifies the authorization information, the information is uploaded to the core system again after passing the verification, and the core system returns the transaction completion information to the front end after passing the verification. Thus, for core transactions that require send back money laundering, there are situations where 2 authorizations are required.
In summary, in the existing scheme, there is a problem of low business handling efficiency: authorization may be performed for 2 times for one transaction, which results in reduced business that can be handled by a teller in unit time and lower efficiency; the problem of poor customer experience exists, the time for a teller to transact the business is long, the time for a customer to transact the business is long, and the customer experience is poor.
Based on this, the transaction method, the device and the system provided by the embodiment of the invention can avoid repeated authorization operations in one transaction.
To facilitate understanding of the embodiment, a detailed description will be given of a transaction method disclosed in the embodiment of the present invention.
The embodiment of the invention provides a trading method, which is applied to a front-end system, wherein the front-end system is respectively in communication connection with a peripheral system and a core system, and the method is shown in a flow chart of the trading method shown in figure 1 and comprises the following steps:
step S102, first authorization information of the peripheral system is obtained and stored.
In the embodiment of the invention, one or more peripheral systems can be provided, the peripheral system sends first authorization information to the front-end system, the first authorization information is a judgment result of whether the transaction needs to be authorized or not, which is generated by the peripheral system according to the transaction information, and the front-end system caches the first authorization information after acquiring the first authorization information. The first authorization information includes authorization level data that can be used to determine authorization level requirements.
And step S104, generating authorization identification data according to the first authorization information.
In the embodiment of the present invention, based on the first authorization information, authorization identification data may be generated, and the authorization identification data may be used to determine whether the peripheral system requires an authorization operation.
And step S106, sending the authorization identification data and the transaction information to the core system, and receiving second authorization information sent by the core system.
In the embodiment of the invention, the authorization identification data and the transaction information are sent to the core system, so that the core system can generate a judgment result whether the transaction needs the authorization of the core system according to the identification data and the transaction information to obtain second authorization information, and if the transaction needs the authorization, the second authorization information comprises authorization level information, prompt information and the like of the core system and is used for authorizing the transaction. And then, the front-end system receives the second authorization information sent by the core system.
And step S108, merging the first authorization information and the second authorization information to obtain merged authorization data.
In the embodiment of the invention, the first authorization information is adjusted according to the structure and the format of the second authorization information, and the structure and the format of the adjusted first authorization information are the same as those of the second authorization information. And then, combining the adjusted first authorization information and the second authorization information to obtain combined authorization data.
And step S110, acquiring the merging authorization information according to the merging authorization data, and sending the merging authorization information to the core system so that the core system performs transaction according to the authorization merging information.
In the embodiment of the invention, the front-end system displays the merged authorization data, the authorized teller inputs the authorization information according to the displayed prompt information such as the merged authorization data and the like to obtain the merged authorization information, so that the authorization information of the peripheral system and the core system can be obtained at one time, the business operation is simpler, the authorization prompt information of all different systems related to one transaction is simultaneously displayed, and the teller can complete one transaction only needing one authorization at most. In addition, the service handling time is shortened, the authorization times of the teller for completing one transaction are reduced, the service handling efficiency of the teller is improved, the customer waiting is reduced, and the customer experience can be improved.
The embodiment of the invention provides a transaction scheme, which comprises the following steps: the method comprises the steps of obtaining and storing first authorization information sent by a peripheral system, generating authorization identification data according to the first authorization information, sending the authorization identification data and transaction information to a core system, receiving second authorization information sent by the core system, generating the second authorization information according to the authorization identification data and the transaction information by the core system, merging the first authorization information and the second authorization information to obtain merged authorization data, obtaining the merged authorization information according to the merged authorization data, and finally sending the merged authorization information to the core system so that the core system conducts transaction according to the authorized merged authorization information. The embodiment of the invention obtains the combined authorization information by combining the authorization data, reduces the times of obtaining the authorization information in the one-time transaction process, improves the efficiency of transaction of tellers, reduces the waiting time of clients and can improve the experience of the clients.
In order to improve the delivery efficiency of the peripheral system, before the first authorization information of the peripheral system is acquired and cached, the method may further include the following steps:
acquiring transaction data and classification information of at least one peripheral system; and sending the target transaction data to the peripheral system according to the classification information of the peripheral system so that the peripheral system generates first authorization information.
In the embodiment of the present invention, the peripheral system may be a system with different functions, for example, may be an anti-money laundering system, the front-end system obtains the transaction data of this time, and the peripheral system classification information related to this time of transaction, for example, the peripheral system is classified as the anti-money laundering system, and the transaction data related to the anti-money laundering system is sent to the anti-money laundering peripheral system as target transaction data, so that the peripheral system generates the first authorization information, thereby avoiding sending all transaction data to the peripheral system, and improving the submission efficiency.
In order to enable the user to know the transaction result in time, the combined authorization information is obtained according to the combined authorization data, and the combined authorization information is sent to the core system, so that the core system can execute the following steps after performing transaction according to the authorized combined information:
in the embodiment of the invention, the front-end system acquires the transaction result sent by the core system, and displays the transaction result on the front-end interface to prompt the completion of the transaction.
The embodiment of the invention also provides a trading method, which is applied to a core system, wherein the core system is respectively in communication connection with the peripheral system and the front end system; referring to fig. 2, another transaction method flow diagram is shown, the method comprising the steps of:
step S202, obtaining the authorization identification data and the transaction information, and generating second authorization information according to the identification data and the transaction information.
In the embodiment of the invention, the core system acquires the authorization identification data and the transaction information sent by the front-end system, and can judge whether the peripheral system needs to execute authorization operation according to the identification data. It should be noted that the core system determines the data format of the authorization packet in the second authorization information by determining whether the peripheral system needs authorization.
And step S204, sending the second authorization information to the front-end system.
In the embodiment of the invention, when the core system receives the authorization identification data, whether the core system hits the authorization point or not, the core system returns the second authorization information to the front-end system to trigger the front end to integrate and display the authorization information.
Step S206, acquiring the merging authorization information, and carrying out transaction according to the authorization merging information.
In the embodiment of the invention, the front-end system generates authorization merging data according to the first authorization information and the second authorization information, further acquires the authorization merging information and sends the authorization merging information to the core system. The authorization merging information comprises authorization information of a peripheral system and authorization information of a core system which are acquired at one time, the core system conducts transaction according to the authorization merging information, the authorization operation times in one transaction are reduced, the number of services which can be handled by a teller in unit time is increased, the efficiency is improved, the service handling time is shortened, the authorization times for the teller to complete one transaction are reduced, the service handling efficiency of the teller is improved, the waiting time of customers is reduced, and the customer experience can be improved.
In consideration of optimizing the effect of the front end on displaying the merged authorization data, the second authorization information is generated according to the identification data and the transaction information, and the method can be executed according to the following steps:
judging whether the peripheral system needs to execute authorization operation according to the identification data; if yes, judging whether the core system needs to execute authorization operation according to the transaction information; if the core system does not need to execute the authorization operation, generating a null authorization packet in a target format, and taking the null authorization packet as second authorization information; if the core system needs to execute the authorization operation, generating second authorization information in a target format according to the transaction information; and if not, generating second authorization information according to the transaction information.
In the embodiment of the present invention, for example, it may be agreed that if the value of the authorization identification data in the front-end system is set to "1", it indicates that the peripheral system requires authorization, and if the value of the authorization identification data in the front-end system is set to "0", it indicates that the peripheral system does not require authorization. When the core system checks that the authorization token of the peripheral system is '1', an authorization packet is returned 07 to the front-end system, if the core system does not relate to authorization this time, the returned 07 packet is an empty packet, the 07 authorization packet is an empty authorization packet in a target format, if the core system also needs authorization, the returned 07 packet contains authorization level information, prompt information and the like of the core system, and the 07 authorization packet is an authorization packet in the target format. 07 the format and structure of the authorization packet may be set according to actual requirements, which is not specifically limited in this embodiment of the present invention.
In order to make the user know the transaction result, the following steps can be executed after the transaction is performed according to the authorization combination information:
and sending the transaction result to the front-end system so that the front-end system displays the transaction result.
In the embodiment of the invention, the transaction result is sent to the front-end system, so that the front end displays the transaction result on the front-end interface to prompt the completion of the transaction.
Taking an example that one transaction relates to 2 different systems, the front end needs to be modified as follows under the condition that the original transaction function is not influenced:
1. firstly, interacting with the 1 st system, and if authorization is involved, storing authorization information returned by the system, wherein the authorization information comprises an authorization mark, an authorization level requirement and the like;
2. and interacting with the 2 nd system, if the system also detects that authorization is needed, merging the authorization information returned by the system and the authorization information returned by the 1 st system and then displaying the merged authorization information once, and if the system does not relate to authorization, directly displaying the authorization information of the 1 st system.
3. When the front end checks the authorization information, the highest authorization requirement in the 2 systems is taken for checking.
Referring to fig. 4, a schematic diagram of a transaction operation using the present scheme is shown, and the present scheme is described in a specific implementation.
1. The clerk logs in the front-end system, inputs the transaction information on the interface and submits the transaction information;
2. the front-end system confirms whether the transaction information needs to be checked for anti-money laundering, if so, partial information of the transaction is checked for the anti-money laundering system;
3. the anti-money laundering system judges whether the transaction needs authorization, if so, the anti-money laundering system returns an authorization identifier and authorization level information to the front-end system;
4. the front end system caches the authorization identifier and authorization level information returned by the money laundering system, and sets the authorization identifier of the peripheral system to be 1 and the transaction information to be sent to the core system by the front end;
5. when the core system checks that the authorization token of the peripheral system is 1, an authorization packet is returned 07 to the front-end system, if the core system does not relate to authorization this time, the returned 07 packet is an empty packet, and if the core system also needs authorization, the returned 07 packet contains authorization level information, prompt information and the like of the core system;
6. the front-end system combines the authorization level information of the anti-money laundering cached in the step (4) with the authorization packet returned by the core system, temporarily puts the combined authorization information on a front-end authorization interface, and prompts a teller to authorize according to the prompt;
7. if the authorization teller agrees to authorization, the authorization information is input according to the prompt information;
8. the front-end system checks the authorization information and sends the authorization information and the transaction information to the core system after the authorization information and the transaction information pass;
9. the core system checks the authorization information only when the transaction involves core authorization and returns the transaction result to the front-end system.
10. And the front-end system displays the transaction result on the front-end interface, and the transaction is completed.
In the embodiment of the invention, the anti-money laundering and the authorization of the core system are combined, and the authorization only needs to be carried out once at most when the core transaction needs to be checked. Teller front-end system: and serially connecting each background system, caching and combining the authorization packets, displaying all authorization information and verifying input information of the authorized teller. And in the core system, the peripheral system authorization identifier sent by the front end is checked, and when the peripheral system authorization identifier exists, an authorization packet needs to be returned 07 to trigger a front end authorization flow.
It should be noted that the type of system for performing authorization merging is confirmed: the authorization trigger mechanisms of the core system and the peripheral system are different, the authorization of the core system is that the core system returns 07 authorization packet to the front end, the front end is touched to eject an authorization interface for authorization check, the authorization information also needs to be sent to the core system for check after the authorization information check is passed by the front end, and the transaction can be successfully completed after the core system check is completed; the authorization of the peripheral system is that the peripheral returns authorization information to trigger a front-end bullet authorization interface or appoints in advance which transactions need to be authorized to actively eject the authorization interface by the front end, the authorization information does not need to be sent to the peripheral system for rechecking after the front end passes the verification, and the subsequent process can be continued after the front end passes the authorization, so that if a core system in the system related to authorization integration is matched and modified with a core background, and only the front end needs to be modified for authorization integration only related to the peripheral system.
The front-end system may be used to perform caching, integration, and presentation of authorization packages: in terms of authorization integration of the core system and the anti-money laundering system, the front-end system calls the anti-money laundering system to check the customer information and then sends the transaction information to the core system for transaction, so that the front-end needs to cache the authorization information of the 1 st system, namely the anti-money laundering system, and after the core system returns an authorization packet, the authorization packet is merged and displayed on an authorization interface in a centralized manner. The front end carries out authorization verification: the front end needs to integrate all authorization requirements of 2 systems to check authorization information. And (3) matching and modifying a core system: when the 1 st system needs authorization for money back-washing, the front end sends a peripheral authorization identifier to the core system, and when the core system receives the identifier, no matter whether the core system hits an authorization point, the core system returns 07 package to trigger the front end to integrate and display authorization information (if the money back-washing only needs authorization, the core system returns an empty 07 authorization package to the front end).
The embodiment of the invention provides a transaction method, a device and a system, wherein the method comprises an authorization information caching mechanism of a front-end system, a mechanism for combining and displaying authorization information of a plurality of systems and completing authorization of the plurality of systems; the system with the front-end system connected in series triggers the mechanism of front-end authorization when the empty authorization packet relates to the core system. The method can reduce the times of authorization operation in one transaction, simplify the service operation, reduce the service handling time and improve the customer experience.
An embodiment of the present invention further provides a transaction apparatus, which is applied to a front-end system, and referring to a structural block diagram of the transaction apparatus shown in fig. 5, the apparatus includes:
the cache module 51 is configured to acquire and store first authorization information of a peripheral system; a generating module 52, configured to generate authorization identifier data according to the first authorization information; a first sending module 53, configured to send the authorization identifier data and the transaction information to the core system, and receive second authorization information sent by the core system; the second authorization information is generated by the core system according to the authorization identification data and the transaction information; a merging module 54, configured to merge the first authorization information and the second authorization information to obtain merged authorization data; the first obtaining module 55 is configured to obtain the merge authorization information according to the merge authorization data, and send the merge authorization information to the core system, so that the core system performs a transaction according to the authorization merge information.
In one embodiment, the apparatus further comprises: an authorization sending module to: acquiring transaction data and classification information of at least one peripheral system; and sending the target transaction data to the peripheral system according to the classification information of the peripheral system so that the peripheral system generates first authorization information.
In one embodiment, the apparatus further comprises: a result acquisition module to: and obtaining and displaying a transaction result.
An embodiment of the present invention further provides a transaction apparatus, which is applied to a core system, and referring to another structural block diagram of the transaction apparatus shown in fig. 6, the apparatus includes:
the second obtaining module 61 is configured to obtain the authorization identifier data and the transaction information, and generate second authorization information according to the identifier data and the transaction information; the authorization identification data is used for judging whether the peripheral system needs to execute authorization operation; a second sending module 62, configured to send the second authorization information to the front-end system; the transaction module 63 is used for acquiring the merging authorization information and performing transaction according to the authorization merging information; the combined authorization information is acquired by the front-end system according to the first authorization information and the second authorization information.
In an embodiment, the second obtaining module is specifically configured to: judging whether the peripheral system needs to execute authorization operation according to the identification data; if yes, judging whether the core system needs to execute authorization operation according to the transaction information; if the core system does not need to execute the authorization operation, generating a null authorization packet in a target format, and taking the null authorization packet as second authorization information; if the core system needs to execute the authorization operation, generating second authorization information in a target format according to the transaction information; and if not, generating second authorization information according to the transaction information.
In one embodiment, the apparatus further comprises a result sending module configured to: and sending the transaction result to the front-end system so that the front-end system displays the transaction result.
The embodiment of the invention also provides a trading system, which comprises a front-end system, a core system and at least one peripheral system; the front-end system is in communication connection with each peripheral system; the front-end system is in communication connection with the core system; the front-end system comprises a transaction device as described above; the core system comprises the other transaction device.
In the embodiment of the invention, the front-end system, the core system and the peripheral systems are all systems capable of independently operating, the front-end system can respectively perform information interaction with the core system and each peripheral system, and after splicing a plurality of authorization information from the peripheral systems or the core system, the authorization information of each peripheral system and the core system is acquired from the authorized teller at one time, so that the authorization operation times of the teller and the authorized teller are reduced.
The embodiment of the present invention further provides a computer device, referring to the schematic block diagram of the structure of the computer device shown in fig. 7, the computer device includes a memory 71 and a processor 72, the memory stores a computer program that can be executed on the processor, and the processor implements the steps of any one of the methods when executing the computer program.
It is clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working process of the computer device described above may refer to the corresponding process in the foregoing method embodiments, and no further description is provided herein
Embodiments of the present invention also provide a computer readable medium having non-volatile program code executable by a processor, the program code causing the processor to perform any of the steps of the above-described method.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (13)

1. A transaction method is characterized in that the method is applied to a front-end system which is respectively connected with a peripheral system and a core system in a communication way; the method comprises the following steps:
acquiring and storing first authorization information of a peripheral system;
generating authorization identification data according to the first authorization information;
sending the authorization identification data and the transaction information to a core system, and receiving second authorization information sent by the core system; the second authorization information is generated by the core system according to the authorization identification data and the transaction information;
merging the first authorization information and the second authorization information to obtain merged authorization data;
and acquiring merging authorization information according to the merging authorization data, and sending the merging authorization information to the core system so that the core system carries out transaction according to the authorization merging information.
2. The method of claim 1, wherein before obtaining and caching the first authorization information of the peripheral system, further comprising:
acquiring transaction data and classification information of at least one peripheral system;
and sending the target transaction data to the peripheral system according to the classification information of the peripheral system so as to enable the peripheral system to generate first authorization information.
3. The method of claim 1, wherein obtaining merge authorization information according to the merge authorization data, and sending the merge authorization information to the core system, so that after the core system performs a transaction according to the merge authorization information, the method further comprises:
and obtaining and displaying a transaction result.
4. A transaction method is characterized in that the method is applied to a core system which is respectively connected with a peripheral system and a front-end system in a communication way; the method comprises the following steps:
acquiring authorization identification data and transaction information, and generating second authorization information according to the identification data and the transaction information; the authorization identification data is used for judging whether the peripheral system needs to execute authorization operation;
sending the second authorization information to a front-end system;
acquiring merging authorization information, and carrying out transaction according to the authorization merging information; and the combined authorization information is acquired by the front-end system according to the first authorization information and the second authorization information.
5. The method of claim 4, wherein generating second authorization information based on the identification data and the transaction information comprises:
judging whether the peripheral system needs to execute authorization operation according to the identification data;
if yes, judging whether the core system needs to execute authorization operation according to the transaction information;
if the core system does not need to execute the authorization operation, generating an empty authorization packet in a target format, and taking the empty authorization packet as second authorization information;
if the core system needs to execute authorization operation, second authorization information in a target format is generated according to the transaction information;
and if not, generating second authorization information according to the transaction information.
6. The method of claim 4, wherein after conducting a transaction based on the authorization merge information, further comprising:
and sending the transaction result to the front-end system so that the front-end system displays the transaction result.
7. A transaction apparatus for use in a headend system, the apparatus comprising:
the cache module is used for acquiring and storing first authorization information of the peripheral system;
the generating module is used for generating authorization identification data according to the first authorization information;
the first sending module is used for sending the authorization identification data and the transaction information to a core system and receiving second authorization information sent by the core system; the second authorization information is generated by the core system according to the authorization identification data and the transaction information;
the merging module is used for merging the first authorization information and the second authorization information to obtain merged authorization data;
the first acquisition module is used for acquiring merging authorization information according to the merging authorization data and sending the merging authorization information to the core system so that the core system can carry out transaction according to the authorization merging information.
8. The apparatus of claim 7, further comprising: an authorization sending module to:
acquiring transaction data and classification information of at least one peripheral system;
and sending the target transaction data to the peripheral system according to the classification information of the peripheral system so as to enable the peripheral system to generate first authorization information.
9. A transaction apparatus, applied to a core system, the apparatus comprising:
the second acquisition module is used for acquiring the authorization identification data and the transaction information and generating second authorization information according to the identification data and the transaction information; the authorization identification data is used for judging whether the peripheral system needs to execute authorization operation;
the second sending module is used for sending the second authorization information to a front-end system;
the transaction module is used for acquiring the combined authorization information and carrying out transaction according to the authorization combined information; and the combined authorization information is acquired by the front-end system according to the first authorization information and the second authorization information.
10. The apparatus of claim 9, wherein the second obtaining module is specifically configured to:
judging whether the peripheral system needs to execute authorization operation according to the identification data;
if yes, judging whether the core system needs to execute authorization operation according to the transaction information;
if the core system does not need to execute the authorization operation, generating an empty authorization packet, and taking the empty authorization packet as second authorization information;
if the core system needs to execute authorization operation, second authorization information is generated according to the transaction information;
and if not, generating second authorization information according to the transaction information.
11. A transaction system, the system comprising: a front-end system, a core system and at least one peripheral system; the front-end system is in communication connection with each peripheral system; the front-end system is in communication connection with the core system;
the front-end system comprising the transaction device of claim 7;
the core system includes the transaction arrangement of claim 9.
12. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the method of any one of claims 1 to 6 when executing the computer program.
13. A computer-readable medium having non-volatile program code executable by a processor, the program code causing the processor to perform the method of any of claims 1 to 6.
CN201911418098.1A 2019-12-31 2019-12-31 Transaction method, device and system Active CN111178850B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201911418098.1A CN111178850B (en) 2019-12-31 2019-12-31 Transaction method, device and system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201911418098.1A CN111178850B (en) 2019-12-31 2019-12-31 Transaction method, device and system

Publications (2)

Publication Number Publication Date
CN111178850A true CN111178850A (en) 2020-05-19
CN111178850B CN111178850B (en) 2023-07-21

Family

ID=70654350

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201911418098.1A Active CN111178850B (en) 2019-12-31 2019-12-31 Transaction method, device and system

Country Status (1)

Country Link
CN (1) CN111178850B (en)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100191649A1 (en) * 2005-10-06 2010-07-29 First Data Corporation System and method for performing electronic transactions
US20130204787A1 (en) * 2012-02-03 2013-08-08 Pieter Dubois Authentication & authorization of transactions using an external alias
CN107958551A (en) * 2017-12-29 2018-04-24 福建省农村信用社联合社 A kind of full channel remote centralized authoring system of the expansible bank of business
CN109101840A (en) * 2018-08-17 2018-12-28 中国建设银行股份有限公司 A kind of authorization business rule structuring conversion method and device
CN109272404A (en) * 2018-09-04 2019-01-25 中国建设银行股份有限公司 Business authorization method and device
CN110458705A (en) * 2019-08-15 2019-11-15 中国银行股份有限公司 A kind of processing system and method for authorization message

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100191649A1 (en) * 2005-10-06 2010-07-29 First Data Corporation System and method for performing electronic transactions
US20130204787A1 (en) * 2012-02-03 2013-08-08 Pieter Dubois Authentication & authorization of transactions using an external alias
CN107958551A (en) * 2017-12-29 2018-04-24 福建省农村信用社联合社 A kind of full channel remote centralized authoring system of the expansible bank of business
CN109101840A (en) * 2018-08-17 2018-12-28 中国建设银行股份有限公司 A kind of authorization business rule structuring conversion method and device
CN109272404A (en) * 2018-09-04 2019-01-25 中国建设银行股份有限公司 Business authorization method and device
CN110458705A (en) * 2019-08-15 2019-11-15 中国银行股份有限公司 A kind of processing system and method for authorization message

Also Published As

Publication number Publication date
CN111178850B (en) 2023-07-21

Similar Documents

Publication Publication Date Title
US20190197523A1 (en) Performing transactions using virtual card values
US11928664B2 (en) Systems and methods for processing cardless transactions
US10248980B2 (en) Method and device for selecting a service processing mode based on historical success rates
CN101706933A (en) Method and background system for realizing joint account service operation
CN110599330B (en) Bank universal anti-transaction device, method and system
CN110245925A (en) Electric paying method, system, device and computer readable storage medium
CN111130988A (en) ETC (electronic toll Collection) handling method, client, server and system based on WeChat applet
CN107239942A (en) A kind of data processing method and device, transfer account method and device
CN107392600B (en) Digital currency transaction payment registration method and system
CN106034148B (en) Rapid information interaction method, local server, remote server and system
CN111178850A (en) Transaction method, device and system
US10217087B2 (en) Multicomputer processing of client device request data using centralized event orchestrator
US10303335B2 (en) Multicomputer processing of client device request data with centralized event orchestration
CN111738708A (en) Data processing method, device, server and storage medium
WO2017011614A1 (en) Method and device for service processing
CN108961039B (en) Transaction processing method, device and system
CN112308543A (en) Data transfer method, device and equipment and computer storage medium
CN111027950A (en) Payment signing system, method and device
US20200394633A1 (en) A transaction processing system and method
CN113656415B (en) Payment method, payment device, payment apparatus, and storage medium
CN112311838B (en) Business asynchronous interaction method and device
US10812574B2 (en) Multicomputer processing of client device request data using centralized event orchestrator and dynamic endpoint engine
CN117196599A (en) Remote cash withdrawal method and related device
CN116644925A (en) Financial business processing method, device, equipment and storage medium
CN114693302A (en) Transaction service processing method, device, equipment and storage medium

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant