CN111951090A - Message interaction device and method based on bank-enterprise direct connection - Google Patents

Message interaction device and method based on bank-enterprise direct connection Download PDF

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CN111951090A
CN111951090A CN202010808721.0A CN202010808721A CN111951090A CN 111951090 A CN111951090 A CN 111951090A CN 202010808721 A CN202010808721 A CN 202010808721A CN 111951090 A CN111951090 A CN 111951090A
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transaction request
bank
message
request message
enterprise
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CN111951090B (en
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陈恭泳
吴雪
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Bank of China Ltd
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Bank of China Ltd
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    • 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
    • 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825Use of electronic signatures
    • 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/04Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428Network 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
    • H04L63/0442Network 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 wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/08Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0816Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
    • H04L9/0819Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s)
    • H04L9/0825Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s) using asymmetric-key encryption or public key infrastructure [PKI], e.g. key signature or public key certificates

Abstract

The invention discloses a message interaction device and method based on bank-enterprise direct connection, wherein the device comprises: the calling module is used for receiving a calling instruction sent by an enterprise terminal and acquiring a transaction request message; the analysis module is used for analyzing the transaction request message to obtain the certificate information of the operator who initiates the transaction request; the signature module is used for calling the certificate of the operator to sign the transaction request message; the encryption module is used for encrypting the signed transaction request message by utilizing a public key of a bank background system; the sending module is used for sending the encrypted transaction message to a bank background system; and the receiving module is used for receiving the response message fed back by the bank background system. The device and the method support the use of multiple operators under one client, and can realize the message interaction of different operators when the bank-enterprise is directly connected without a front-end processor system, thereby saving software and hardware resources, greatly reducing the maintenance cost, and ensuring the security of tamper resistance, repudiation resistance and operator transaction.

Description

Message interaction device and method based on bank-enterprise direct connection
Technical Field
The invention belongs to the technical field of data interaction in financial systems, and particularly relates to a message interaction device and method based on bank-enterprise direct connection.
Background
With the development of electronic commerce technology, in order to reduce financial cost and improve financial efficiency, more and more enterprise clients are switched to bank-enterprise direct connection from traditional web banking in a bank interaction mode.
In the bank-enterprise direct connection design, a client needs to be distributed to deploy a front-end processor system developed by a bank by using tomcat, jdk and the like, and information such as a safety certificate of an operator, a bank background public key and the like is integrated in the front-end processor system. In the bank-enterprise direct connection process, the transaction is operator dimension, a transaction request message is sent to a front-end processor system from a client ERP system, the front-end processor system is sent to a bank background, a response message is sent to the front-end processor system from the bank background, and the front-end processor system is sent to the client ERP system again. In the interaction process, the certificate of the front-end processor system signs and encrypts the interaction message to ensure the tamper resistance and the repudiation resistance of the transaction.
Since the client certificate is bound to the operator, only one operator can be supported by one front-end processor system. However, there may be a plurality of subordinate enterprises for a group customer, or a plurality of departments under one enterprise all need to have their own operators, which requires deploying a plurality of bank front-end computer systems, each front-end computer is bound with a corresponding operator by a built-in certificate; the transaction of different operators of the client needs to be sent to different front-end computers, and the ERP system of the client is in butt joint interaction with a plurality of front-end computers; in the mode, a plurality of front-end processors are required to be arranged aiming at a plurality of operators, so that the hardware equipment cost, the ERP software development cost and the branch operation and maintenance cost are greatly increased, and the waste of resources is caused.
Therefore, there is a need for a processing scheme for a bank-enterprise peering that overcomes the above-mentioned problems.
Disclosure of Invention
In order to overcome the problems, the invention provides a message interaction device and method based on bank-enterprise direct connection, the scheme can be integrated into an ERP system of a client, supports loading of information such as different operator certificates and bank background system public keys, does not need the client to deploy a front-end processor system, saves software and hardware resources and reduces maintenance cost; by opening an interface for a client, when the client sends a transaction, the client transmits information such as corresponding operator information, a certificate path and the like to the interface, then calls a certificate corresponding to the operator to sign a transaction message, further encrypts the transaction message by using a bank public key and sends the encrypted transaction message to a bank background system, receives a response message fed back by the bank system, meets the requirement of sending the transaction by a plurality of operators of the client, and simultaneously realizes data protection means such as signature and encryption, so that tampering and repudiation can be prevented, and the safety of data is ensured.
In a first aspect of an embodiment of the present invention, a message interaction device based on a bank-enterprise direct connection is provided, where the device includes:
the calling module is used for receiving a calling instruction sent by an enterprise terminal and acquiring a transaction request message submitted by a client;
the analysis module is used for analyzing the transaction request message to obtain the certificate information of the operator who initiates the transaction request;
the signature module is used for calling the certificate of the operator to sign the transaction request message;
the encryption module is used for encrypting the signed transaction request message by utilizing a bank background system public key;
the sending module is used for sending the encrypted transaction message to a bank background system;
and the receiving module is used for receiving the response message fed back by the bank background system.
In a second aspect of the embodiments of the present invention, a message interaction method based on a bank-enterprise direct connection is provided, where the method includes:
receiving a calling instruction sent by an enterprise terminal, and acquiring a transaction request message submitted by a client;
analyzing the transaction request message to obtain the certificate information of the operator who initiates the transaction request;
calling the certificate of the operator to sign the transaction request message;
encrypting the signed transaction request message by using a public key of a bank background system;
sending the encrypted transaction message to a bank background system;
and receiving a response message fed back by the bank background system.
In a third aspect of the embodiments of the present invention, a computer device is provided, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements a message interaction method based on a bank-enterprise peering when executing the computer program.
In a fourth aspect of the embodiments of the present invention, a computer-readable storage medium is provided, where a computer program is stored, and when the computer program is executed by a processor, the method for message interaction based on a bank-enterprise peering is implemented.
The message interaction device and method based on the bank-enterprise direct connection provided by the invention support the use of multiple operators under one client, simultaneously achieve data protection means such as signature and encryption and the like, and meet the requirements of multiple operators of the current client; the scheme can realize the message interaction of different operators when the bank-enterprise is directly connected without a front-end processor system, thereby saving software and hardware resources and greatly reducing the maintenance cost; when an operator initiates a transaction request, the device can be directly used for calling different certificates to sign the transaction request message, and then the bank public key is used for encryption, so that the anti-tampering and anti-repudiation and the security of the operator transaction are ensured.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic diagram of a message interaction device architecture based on bank-enterprise direct connection according to an embodiment of the present invention.
Fig. 2 is a schematic diagram of an interface relationship between an enterprise and a bank according to an embodiment of the present invention.
Fig. 3 is a schematic data flow diagram of a message interaction device based on bank-enterprise direct connection according to an embodiment of the present invention.
Fig. 4 is a schematic flow chart of a message interaction method based on a bank-enterprise direct connection according to an embodiment of the present invention.
Fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the invention, and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
According to the embodiment of the invention, the invention provides a message interaction device and method based on bank-enterprise direct connection; the scheme supports embedding into a client ERP system for realization, supports loading information such as different operator certificates and bank public keys, calls the information to sign and encrypt a client message, sends the client message to a bank background system, and receives a response message fed back by the bank background system; in the interaction process, transaction request messages sent by different operators can correspondingly call different certificates for signature, and then are encrypted by a bank public key, so that the falsification and repudiation prevention are ensured, and the data security is ensured.
As the customers do not need to deploy a plurality of bank front-end computer systems, the software and hardware resources of the customers are saved, and the maintenance cost of the customers and the branch lines is greatly reduced.
In the embodiments of the present invention, terms to be described include:
the bank-enterprise is directly connected: the method can also be written as 'bank-enterprise direct connection' and 'bank-enterprise butt joint', and the bank-enterprise direct connection is a new access mode for the online direct connection of the online banking system and the enterprise financial system; the group enterprise connects the internal fund system with the commercial bank system through a data interface.
The front-end processor system: the system is developed and maintained by a commercial bank, is generally deployed in a client network, and provides a system for encrypting, signing, verifying and forwarding data for bank-enterprise direct connection.
Without a front bank enterprise access device: the message interaction device based on the bank-enterprise direct connection provided by the invention does not need an enterprise to install a front-end processor system developed by a bank, the device is directly embedded into an enterprise ERP system, and the interaction function with the bank is realized by calling an open interface of the device.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
Fig. 1 is a schematic diagram of a message interaction device architecture based on bank-enterprise direct connection according to an embodiment of the present invention. As shown in fig. 1, the apparatus includes:
the calling module 110 is configured to receive a calling instruction sent by an enterprise terminal, and obtain a transaction request message submitted by a client.
The parsing module 120 is configured to parse the transaction request packet to obtain certificate information of an operator initiating the transaction request.
And the signature module 130 is configured to invoke the certificate of the operator to sign the transaction request message.
And the encryption module 140 is configured to encrypt the signed transaction request message by using a public key of a bank background system.
And the sending module 150 is configured to send the encrypted transaction message to a bank background system.
The receiving module 160 is configured to receive a response message fed back by the bank background system.
In order to make the above message interaction device based on the bank-enterprise direct connection clearer, the following description is made with reference to specific embodiments.
Fig. 2 is a schematic diagram illustrating an interfacing relationship between an enterprise and a bank according to an embodiment of the present invention.
As shown in FIG. 2, taking a certain group as an example, the following three enterprises exist: enterprise A, enterprise B, and enterprise C; three enterprises are respectively arranged with different operators.
A 'message interaction device based on bank-enterprise direct connection' (hereinafter referred to as a message interaction device) is embedded in an ERP system of an enterprise end, and interaction between each enterprise in a group and a bank background system is realized through the device.
Fig. 3 is a schematic data flow diagram of a message interaction device based on a bank-enterprise direct connection according to an embodiment of the present invention.
Referring to fig. 2 and 3, the message interaction device supports loading of information such as different operator certificates and bank public keys, such as a certificate a, a certificate B, a certificate C, and a bank public key.
After the operator of enterprise a initiates a transaction request, the calling module 110 receives a calling instruction sent by the ERP system of the enterprise terminal, and obtains a transaction request message submitted by a client.
The parsing module 120 parses the transaction request message, and identifies the client number of the transaction request, the information of the operator a initiating the transaction request, and the corresponding certificate path information.
The signature module 130 calls the corresponding certificate a to sign the transaction request message according to the information of the operator a and the certificate path information, so as to obtain the signed transaction request message.
The encryption module 140 encrypts the signed transaction request message by using a public key of the bank.
The sending module 150 sends the encrypted transaction message to a bank background system.
The receiving module 160 receives the response message fed back by the bank background system.
Further, if the operator of the enterprise B or the enterprise C also initiates a transaction request, the message interaction device may be used to implement the business interfacing between the enterprise and the bank through the above process.
According to the above content, when the message interaction device based on bank-enterprise direct connection provided by the invention is used for butt joint between an enterprise and a bank, message interaction of different operators can be realized without setting a plurality of front-end processor systems, different certificates are uniformly called to carry out signature on a transaction request message sent by one operator, and a bank public key is used for encryption, so that the safety of tampering and repudiation prevention and operator transaction is ensured, software and hardware resources are saved, and the maintenance cost is greatly reduced.
It should be noted that although several modules of a message interaction device based on bank-enterprise peering are mentioned in the above detailed description, such partitioning is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.
After the apparatus according to the exemplary embodiment of the present invention is introduced, a message interaction method based on a bank-enterprise peering according to the exemplary embodiment of the present invention is described with reference to fig. 4.
The implementation of the message interaction method based on the bank-enterprise direct connection can refer to the implementation of the method, and repeated details are not repeated.
Based on the same inventive concept, the invention also provides a message interaction method based on the bank-enterprise direct connection, as shown in fig. 4, the method comprises the following steps:
and step S101, receiving a call instruction sent by an enterprise terminal, and acquiring a transaction request message submitted by a client.
Step S102, analyzing the transaction request message to obtain the certificate information of the operator who initiates the transaction request.
Step S103, calling the certificate of the operator to sign the transaction request message.
And step S104, encrypting the signed transaction request message by using a bank background system public key.
And step S105, sending the encrypted transaction message to a bank background system.
And step S106, receiving a response message fed back by the bank background system.
In an embodiment, the specific process of step S101 is:
after an operator initiates a transaction request, receiving a call instruction sent by the ERP system of the enterprise end, and acquiring a transaction request message submitted by a client.
In an embodiment, the specific process of step S102 is:
and analyzing the transaction request message, and identifying the client number of the transaction request, the operator information initiating the transaction request and the certificate path information.
In an embodiment, the specific process of step S103 is:
and calling the corresponding operator certificate to sign the transaction request message according to the operator information and the certificate path information to obtain the signed transaction request message.
It should be noted that although the operations of the method of the present invention have been described in the above embodiments and the accompanying drawings in a particular order, this does not require or imply that these operations must be performed in this particular order, or that all of the operations shown must be performed, to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
Based on the aforementioned inventive concept, as shown in fig. 5, the present invention further provides a computer device 500, which includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520, wherein the processor 520 executes the computer program 530 to implement the aforementioned message interaction method based on peer-to-peer direct connection.
Based on the foregoing inventive concept, the present invention provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the message interaction method based on the bank-enterprise direct connection is implemented.
The message interaction device and method based on the bank-enterprise direct connection provided by the invention support the use of multiple operators under one client, simultaneously achieve data protection means such as signature and encryption and the like, and meet the requirements of multiple operators of the current client; the scheme can realize the message interaction of different operators when the bank-enterprise is directly connected without a front-end processor system, thereby saving software and hardware resources and greatly reducing the maintenance cost; when an operator initiates a transaction request, the device can be directly used for calling different certificates to sign the transaction request message, and then the bank public key is used for encryption, so that the anti-tampering and anti-repudiation and the security of the operator transaction are ensured.
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 (11)

1. A message interaction device based on bank-enterprise direct connection is characterized by comprising:
the calling module is used for receiving a calling instruction sent by an enterprise terminal and acquiring a transaction request message submitted by a client;
the analysis module is used for analyzing the transaction request message to obtain the certificate information of the operator who initiates the transaction request;
the signature module is used for calling the certificate of the operator to sign the transaction request message;
the encryption module is used for encrypting the signed transaction request message by utilizing a bank background system public key;
the sending module is used for sending the encrypted transaction message to a bank background system;
and the receiving module is used for receiving the response message fed back by the bank background system.
2. The message interaction device based on the bank-enterprise direct connection as claimed in claim 1, wherein the message interaction device is embedded in an ERP system at an enterprise end.
3. The message interaction device based on the bank-enterprise direct connection as claimed in claim 2, wherein the calling module is specifically configured to:
after an operator initiates a transaction request, receiving a call instruction sent by the ERP system of the enterprise end, and acquiring a transaction request message submitted by a client.
4. The message interaction device based on the bank-enterprise direct connection as claimed in claim 3, wherein the parsing module is specifically configured to:
and analyzing the transaction request message, and identifying the client number of the transaction request, the operator information initiating the transaction request and the certificate path information.
5. The message interaction device based on the bank-enterprise direct connection as claimed in claim 4, wherein the signature module is specifically configured to:
and calling the corresponding operator certificate to sign the transaction request message according to the operator information and the certificate path information to obtain the signed transaction request message.
6. A message interaction method based on bank-enterprise direct connection is characterized by comprising the following steps:
receiving a calling instruction sent by an enterprise terminal, and acquiring a transaction request message submitted by a client;
analyzing the transaction request message to obtain the certificate information of the operator who initiates the transaction request;
calling the certificate of the operator to sign the transaction request message;
encrypting the signed transaction request message by using a public key of a bank background system;
sending the encrypted transaction message to a bank background system;
and receiving a response message fed back by the bank background system.
7. The message interaction method based on bank-enterprise direct connection as claimed in claim 6, wherein receiving a call instruction sent by an enterprise terminal and obtaining a transaction request message submitted by a client comprises:
after an operator initiates a transaction request, receiving a call instruction sent by the ERP system of the enterprise end, and acquiring a transaction request message submitted by a client.
8. The message interaction method based on the bank-enterprise direct connection as claimed in claim 7, wherein analyzing the transaction request message to obtain the certificate information of the operator who initiates the transaction request comprises:
and analyzing the transaction request message, and identifying the client number of the transaction request, the operator information initiating the transaction request and the certificate path information.
9. The message interaction method based on bank-enterprise direct connection as claimed in claim 8, wherein the step of calling the certificate of the operator to sign the transaction request message comprises the following steps:
and calling the corresponding operator certificate to sign the transaction request message according to the operator information and the certificate path information to obtain the signed transaction request message.
10. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 6 to 9 when executing the computer program.
11. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 6 to 9.
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