CN113205340A - Data processing method and related device for bank-enterprise direct connection platform - Google Patents
Data processing method and related device for bank-enterprise direct connection platform Download PDFInfo
- Publication number
- CN113205340A CN113205340A CN202110363465.3A CN202110363465A CN113205340A CN 113205340 A CN113205340 A CN 113205340A CN 202110363465 A CN202110363465 A CN 202110363465A CN 113205340 A CN113205340 A CN 113205340A
- Authority
- CN
- China
- Prior art keywords
- bank
- target
- transaction
- enterprise
- transaction data
- 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.)
- Pending
Links
- 238000003672 processing method Methods 0.000 title claims abstract description 31
- 238000012795 verification Methods 0.000 claims abstract description 83
- 230000007246 mechanism Effects 0.000 claims abstract description 59
- 238000000034 method Methods 0.000 claims abstract description 41
- 238000012545 processing Methods 0.000 claims abstract description 26
- 230000015654 memory Effects 0.000 claims description 26
- 238000004891 communication Methods 0.000 claims description 17
- 238000004590 computer program Methods 0.000 claims description 14
- 230000002159 abnormal effect Effects 0.000 claims description 8
- 230000008569 process Effects 0.000 abstract description 14
- 238000005516 engineering process Methods 0.000 abstract description 4
- 230000006870 function Effects 0.000 description 8
- 238000010586 diagram Methods 0.000 description 6
- 230000008878 coupling Effects 0.000 description 3
- 238000010168 coupling process Methods 0.000 description 3
- 238000005859 coupling reaction Methods 0.000 description 3
- 210000001503 joint Anatomy 0.000 description 3
- 238000012546 transfer Methods 0.000 description 3
- 238000004422 calculation algorithm Methods 0.000 description 2
- 230000003993 interaction Effects 0.000 description 2
- 238000007726 management method Methods 0.000 description 2
- 230000003287 optical effect Effects 0.000 description 2
- 230000008520 organization Effects 0.000 description 2
- 230000001960 triggered effect Effects 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 238000013500 data storage Methods 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 239000011159 matrix material Substances 0.000 description 1
- 238000012544 monitoring process Methods 0.000 description 1
- 230000002093 peripheral effect Effects 0.000 description 1
- 230000001360 synchronised effect Effects 0.000 description 1
- 230000026676 system process Effects 0.000 description 1
- 238000011144 upstream manufacturing Methods 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The application provides a data processing method and a related device of a bank-enterprise direct connection platform, which are applied to the technical field of data processing, wherein the method comprises the steps of obtaining a transaction request sent by an enterprise system, wherein the transaction request carries transaction data, and the transaction data comprises a target bank identifier and a target supply mechanism identifier; acquiring a transaction verification condition sent by a bank system; performing identity verification on the target supply mechanism corresponding to the target supply mechanism identification according to the transaction verification condition; and if the identity verification is passed, the transaction data is sent to a target bank system of a target bank corresponding to the target bank identification, so that the transaction is carried out with the target supply mechanism through the target bank system according to the transaction data. The method is used for solving the problems that in the related technology, a bank-enterprise direct connection platform cannot trade supply chain financing business, and when an enterprise and a bank pay in a supply chain financing mode, the enterprise and the bank often need to enter a cooperative bank system to operate and process, and the use process is inconvenient.
Description
Technical Field
The application relates to the technical field of data processing, in particular to a data processing method and a related device for a bank-enterprise direct connection platform.
Background
In recent years, with the development of internet technology, the appearance of online banking of enterprises meets the fund management requirements of corporate enterprise customers in a certain procedure. The bank-enterprise direct connection platform is used as an intermediate platform for processing information interaction between the enterprise information system and the bank system, so that the difference of different bank message formats and communication protocols is shielded, and different requirements of each bank do not need to be considered when the enterprise information system uses banking services, so that a channel between the enterprise information system and an external bank is smoother and simpler.
The bank-enterprise direct connection platform in the related technology can only butt joint a payment document submitted by an enterprise client system with a bank system to complete business transactions of payment receiving items such as payment affairs of the payment document and the like, can not trade supply chain financing business, and when an enterprise and a bank pay in a supply chain financing mode, the enterprise and the bank often need to enter a cooperative bank system to operate and process, so that the use process is inconvenient.
Disclosure of Invention
Based on the problems, the application provides a data processing method and a related device of a bank-enterprise direct connection platform, and solves the problems that in the related technology, the bank-enterprise direct connection platform cannot trade supply chain financing business, and enterprises and banks need to respectively enter a cooperative bank system for operation and processing when paying in a supply chain financing mode, and the use process is inconvenient.
In a first aspect, an embodiment of the present application provides a data processing method for a bank-enterprise direct connection platform, which is applied to the bank-enterprise direct connection platform, and the method includes:
acquiring a transaction request sent by an enterprise system, wherein the transaction request carries transaction data, and the transaction data comprises a target bank identifier and a target supply mechanism identifier;
acquiring a transaction verification condition sent by a bank system;
performing identity verification on the target supply mechanism corresponding to the target supply mechanism identification according to the transaction verification condition;
and if the identity verification passes, the transaction data is sent to a target bank system of a target bank corresponding to the target bank identification, so that the transaction is carried out with the target supply mechanism through the target bank system according to the transaction data.
Optionally, obtaining the transaction verification condition sent by the banking system includes:
acquiring an incidence relation set sent by the bank system, wherein the incidence relation set comprises at least one incidence relation, and the incidence relation is a relation between a bank and a supply mechanism established based on a bank identifier and a supply mechanism identifier;
and taking the association relation set as the transaction verification condition.
Optionally, the performing identity verification on the target supply mechanism corresponding to the target supply mechanism identifier according to the transaction verification condition includes:
judging whether the incidence relation set comprises the incidence relation between the target supply mechanism and the target bank;
and if so, determining that the identity verification of the target supply mechanism passes.
Optionally, before sending the transaction data to the target banking system of the target bank corresponding to the target bank identifier, the method further includes:
determining that the transaction data has not been tampered with.
Optionally, determining that the transaction data has not been tampered with includes:
acquiring first verification information in the transaction request, wherein the first verification information is generated by the enterprise system according to the transaction data according to a generation rule;
generating second verification information according to the transaction data and the generation rule;
and if the first verification information is consistent with the second verification information, determining that the transaction data is not tampered.
Optionally, after the sending the transaction data to the target bank system of the target bank corresponding to the target bank identifier to perform a transaction with the target supply mechanism according to the transaction data by the target bank system, the method further includes:
acquiring the acquisition state of the transaction data sent by the target bank system;
and synchronizing the acquisition state to the service system so that the service system sends an abnormal prompt message to a user when the acquisition state is an abnormal state.
Optionally, before acquiring the transaction request sent by the enterprise system, the method further includes:
acquiring a connection request of an enterprise system, wherein the connection request carries connection information;
determining that the connection information is in a pre-stored connection information base;
and establishing connection with the enterprise system according to the connection information.
In a second aspect, an embodiment of the present application provides a data processing apparatus for a bank-enterprise direct connection platform, including:
the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring a transaction request sent by an enterprise system, the transaction request carries transaction data, and the transaction data comprises a target bank identifier and a target supply mechanism identifier;
the second acquisition module is used for acquiring the transaction verification conditions sent by the bank system;
the verification module is used for verifying the identity of the target supply mechanism corresponding to the target supply mechanism identification according to the transaction verification condition;
and the sending module is used for sending the transaction data to a target bank system of a target bank corresponding to the target bank identification if the identity verification passes, so that the transaction is carried out according to the transaction data through the target bank system.
In a third aspect, an embodiment of the present application provides an electronic device, including: the system comprises a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory are communicated with each other through the communication bus; the memory for storing a computer program; the processor is configured to execute the program stored in the memory, and implement the data processing method of the bank-enterprise direct connection platform according to the first aspect.
In a fourth aspect, the present application provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the computer program implements the data processing method of the bank-enterprise direct platform according to the first aspect.
Compared with the prior art, the technical scheme provided by the embodiment of the application has the following advantages: the method provided by the embodiment of the application obtains a transaction request sent by an enterprise system, wherein the transaction request carries transaction data, and the transaction data comprises a target bank identifier and a target supply mechanism identifier; acquiring a transaction verification condition sent by a bank system; performing identity verification on the target supply mechanism corresponding to the target supply mechanism identification according to the transaction verification condition; and if the identity verification is passed, the transaction data is sent to a target bank system of a target bank corresponding to the target bank identification, so that the transaction is carried out with the target supply mechanism through the target bank system according to the transaction data. Therefore, when the business system needs to perform supply chain financing business transaction, the business system can verify the identity of the target supply mechanism, and after the verification is passed, the transaction data is sent to the target bank system for transaction, so that the business system does not need to enter a cooperative bank system for operation processing, and the operation is more convenient.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, 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 invention, 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 system architecture diagram of a data processing method for a bank-enterprise direct connection platform according to an embodiment of the present application;
fig. 2 is a schematic flowchart of a data processing method for a bank-enterprise direct connection platform according to an embodiment of the present application;
fig. 3 is a schematic flowchart of another data processing method for a bank-enterprise direct connection platform according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure;
fig. 5 is a schematic structural diagram of a data processing device of a bank-enterprise direct connection platform according to an embodiment of the present application;
fig. 6 is a schematic structural diagram of another data processing device of a bank-enterprise direct connection platform according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. 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 application.
The terms "first," "second," and the like in the description and claims of the present application and in the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
In order to better understand the scheme of the embodiments of the present application, the following first introduces the related terms and concepts that may be involved in the embodiments of the present application.
The supply chain financing is a financing mode which takes a core enterprise and related upstream and downstream supporting enterprises on a supply chain as a whole and makes an integral financial solution based on the right of delivery and cash flow control according to the transaction relationship and the industry characteristics of the enterprises in the supply chain.
The bank-enterprise direct connection platform is an intermediate platform for processing information interaction between an enterprise information system and a bank system, the difference of different bank message formats and communication protocols is shielded, and different requirements of each bank do not need to be considered when the enterprise information system uses banking services, so that a channel between the enterprise information system and an external bank is smoother and simpler.
The electronic device described in the embodiment of the present application may include a smart Phone (e.g., an Android Phone, an iOS Phone, a Windows Phone, etc.), a tablet computer, a palm computer, a notebook computer, a video matrix, a monitoring platform, a Mobile Internet device (MID, Mobile Internet Devices), or a wearable device, which are merely examples, but not exhaustive, and include but are not limited to the foregoing Devices.
A system architecture of a data processing method of a bank-enterprise direct-connected platform in this embodiment is described below with reference to fig. 1, where fig. 1 is a schematic diagram of a system architecture of a data processing method of a bank-enterprise direct-connected platform provided in this embodiment, and in this embodiment, the data processing method of a bank-enterprise direct-connected platform may be applied to a hardware environment formed by a terminal 110 and a server 120 as shown in fig. 1. As shown in fig. 1, the server 120 is connected to the terminal 110 through a network, which may be used to provide services (e.g., application services, etc.) for the terminal or a client installed on the terminal, and may be provided with a database on the server or separately from the server, and may be used to provide data storage services for the server 120, and the network includes but is not limited to: the terminal 110 is not limited to a PC (Personal Computer), a mobile phone, a tablet Computer, a notebook Computer, etc.
The data processing method of the bank-enterprise direct connection platform in the embodiment of the application may be executed by the server 120, the terminal 110, or both the server 120 and the terminal 110. The server 120 may be implemented by an independent server or a server cluster composed of a plurality of servers; the terminal 110 may execute the data processing method of the bank-enterprise direct connection platform according to the embodiment of the present application, or may be executed by a client installed thereon.
Fig. 2 is a schematic flow diagram of a data processing method of a bank-enterprise direct connection platform provided in an embodiment of the present application, and specifically includes the following steps:
In some embodiments, the data processing method of the bank-enterprise direct connection platform can be applied to electronic equipment provided with the bank-enterprise direct connection platform, a data push interface and a data query interface which are unified for enterprise systems of an enterprise party are arranged on the bank-enterprise direct connection platform, and a bank system of a bank party is accessed in multiple access modes. Therefore, when the bank-enterprise direct connection platform runs, the electronic equipment can complete the butt joint of the bank-enterprise direct connection platform with an enterprise system and a bank system through a corresponding interface and an access mode. There are various access modes, including but not limited to http/https Protocol (HyperText Transfer Protocol/HyperText Transfer Protocol over secure HyperText Transfer Protocol) access, webservice (programmable web application) access, and access through a bank front-end processor.
After the bank-enterprise direct connection platform, the enterprise system and the bank system are connected in a butt joint mode, the enterprise system obtains a transaction request, triggered on a corresponding interface by enterprise personnel, for a target bank and sends the transaction request to the bank-enterprise direct connection platform, and therefore the bank-enterprise direct connection platform obtains the transaction request. Wherein the transaction request may also be triggered by the enterprise system through a timed transaction.
Before the enterprise system sends the transaction request to the bank-enterprise direct connection platform, the sending state of the transaction data in the transaction request can be changed into 'sending in' through the enterprise system, so that the situation that the transaction data is pushed to the bank-enterprise direct connection platform again due to the fact that the time for calling the interface of the bank-enterprise direct connection platform is long is avoided.
Specifically, the transaction request carries transaction data, and the transaction data includes a target bank identifier and a target supply institution identifier.
Further, before a transaction request sent by the enterprise system is obtained, a connection request of the enterprise system is obtained, wherein the connection request carries connection information; determining that the connection information is in a pre-stored connection information base; and establishing connection with the enterprise system according to the connection information.
In some embodiments, before the enterprise system is connected to the bank-enterprise direct connection platform, the bank-enterprise direct connection platform configures interface connection information for the business system, including a user name, a password, an Advanced Encryption Standard (AES) Encryption key, and an MD5(Message-Digest Algorithm) signature key. And the business system sends the network IP of the business system to the bank-enterprise direct connection platform, and the bank-enterprise direct connection platform verifies the network IP and stores the network IP to an IP white list, so that the business system accesses the bank-enterprise direct connection platform through an https protocol.
When the business system needs to be connected with the bank-enterprise direct connection platform, a connection request is sent to the bank-enterprise direct connection platform, the connection information comprises a user name, a password and a network IP of the business system, after the bank-enterprise direct connection platform obtains the connection request, the user name and the password are verified, the network IP is determined to be in an IP white list, and after the user name and the password are verified and the network IP is in the IP white list, the bank-enterprise direct connection platform sends a Token (identity authentication Token) of the enterprise system to the enterprise system.
Specifically, the obtaining of the transaction verification condition sent by the bank system includes:
acquiring an incidence relation set sent by a bank system, wherein the incidence relation set comprises at least one incidence relation, and the incidence relation is a relation between a bank and a supply mechanism established on the basis of a bank identifier and a supply mechanism identifier; and taking the association relation set as a transaction verification condition.
In some embodiments, the bank-enterprise direct connection platform calls a bank system interface to synchronize an association relationship set in the bank system, and because each association relationship in the association relationship set is a relationship between a bank and a supply mechanism, which is established based on a bank identifier and a supply mechanism identifier, when a target supply mechanism is verified, only the target supply mechanism identifier needs to be verified whether an association relationship with the bank is established.
The association relationship may be a supply chain financing agreement signed by the bank and each supply institution, and the supply chain financing agreement includes a bank identifier and a supply institution identifier for signing the agreement. The bank system stores the supply chain financing agreement signed by the bank and each supply institution. Wherein, the supply mechanism can be a financing buyer, namely a supplier.
And step 203, performing identity verification on the target supply mechanism corresponding to the target supply mechanism identification according to the transaction verification condition.
In some embodiments, after the transaction verification condition of the banking system is acquired, the target supply institution is subjected to identity verification through the transaction verification condition.
Based on the above related embodiment, the transaction verification condition is an association set between the bank and the supply institution, and therefore, performing identity verification on the target supply institution corresponding to the target supply institution identifier according to the transaction verification condition includes: judging whether the incidence relation set comprises the incidence relation between the target supply mechanism and the target bank; and if so, determining that the identity verification of the target supply mechanism passes.
Specifically, because the association relationship set includes the association relationship established between the bank and at least one supply institution, when the process identity of the target supply institution is verified, the identity verification of the target supply institution is determined to pass by judging whether the association relationship between the target supply institution and the bank is included in the association relationship set or not.
And 204, if the identity verification is passed, sending the transaction data to a target bank system of a target bank corresponding to the target bank identification so as to perform transaction with a target supply mechanism through the target bank system according to the transaction data.
In some embodiments, after the identity of the target supply organization in the transaction data is verified, the bank-enterprise direct connection platform sends the transaction data to the target banking system, so that the target banking system processes the transaction data.
When the bank-enterprise direct connection platform sends transaction data to the bank system, the transaction data with a sending state of 'to be sent' can be pushed to the bank system through a timing transaction of the bank-enterprise direct connection platform, and a pushing technical method is determined according to the requirements of the bank system or an interface scheme of the bank system.
And after the target bank system acquires the transaction data, the target bank system carries out transaction with the target supply mechanism according to the financing sheet in the transaction data.
Further, before the transaction data is sent to the target bank system of the target bank corresponding to the target bank identification, it is determined that the transaction data is not tampered.
By tampering and verifying the transaction data, the accuracy of the transaction data can be ensured, and the authenticity of the data can be ensured.
Specifically, determining that the transaction data has not been tampered includes: acquiring first verification information in the transaction request, wherein the first verification information is generated by the enterprise system according to the transaction data according to a generation rule; generating second verification information according to the transaction data according to a generation rule; and if the first verification information is consistent with the second verification information, determining that the transaction data is not tampered.
When the enterprise system sends a transaction request to the bank-enterprise direct connection platform, the transaction request also comprises a tamper-proof check code of transaction data, namely first verification information, after the bank-enterprise direct connection platform obtains the transaction data, second verification information is generated for the transaction data according to the same generation rule, and when the first verification information is consistent with the second verification information, it is determined that the transaction data is not tampered.
The first verification information is obtained by performing MD5 encryption calculation according to the character string of the payee name, the payee account, the financing amount and the MD5 signature key in the transaction data.
Further, after the identity of the target supply organization in the transaction data passes verification and the transaction data is not tampered, the bank-enterprise direct connection platform stores the transaction data into the platform database of the bank-enterprise direct connection platform, changes the sending state of the transaction data into 'to be sent', and synchronizes the transaction data to the enterprise system. And when the identity verification of the target supply mechanism in the transaction data does not pass or the transaction data is tampered, the sending state of the transaction data is modified to 'unsent', and the transaction data is synchronized to the enterprise system.
Furthermore, after the enterprise system sends the transaction data to the bank-enterprise direct connection platform, the storage state of the transaction data returned by the bank in the bank system is obtained and written back to the bank-enterprise direct connection platform. If the state returned by the bank system is that the data is successfully received, the next process is completed by the bank system, and the bank-enterprise direct connection platform only needs to record the state and acquire the process state from the bank system at regular time. And if the state returned by the bank system is data receiving failure, the bank-enterprise direct connection platform records the sending state of the transaction data.
Further, the transaction data are sent to a target bank system of a target bank corresponding to the target bank identification, so that after the transaction is conducted with a target supply mechanism according to the transaction data through the target bank system, the acquisition state of the transaction data sent by the target bank system is acquired; and synchronizing the acquisition state to the service system so as to send an abnormal prompt message to the user when the acquisition state of the service system is abnormal.
In some embodiments, after the banking system acquires the transaction data, the banking system sends the acquisition state of the transaction data back to the bank-enterprise direct connection platform, the bank-enterprise direct connection platform synchronizes to the enterprise system, and the enterprise system may send an email or a short message to remind the user of the transaction data (the aforementioned financing bill) that needs to draw attention of the user for the abnormal state.
According to the data processing method of the bank-enterprise direct connection platform, after the enterprise system, the bank-enterprise direct connection platform and the bank system are connected, the bank-enterprise direct connection platform synchronizes financing agreements from the bank, and the financing agreements are checked and tamper-proof checked before the bank-enterprise direct connection platform sends data, so that authenticity of the sent transaction data is guaranteed. In addition, the abnormal data of the service system sends mails or short messages to remind the user of intervention, so that the user is prompted, and the transaction data is further processed and completed.
Fig. 3 is a detailed description of a data processing method of a bank-enterprise direct connection platform in this embodiment, with reference to fig. 3, the method may be applied to a data processing system, where the data processing system includes an enterprise system, a bank-enterprise direct connection platform, and a bank system, and when the three process financing services, the bank-enterprise direct connection platform calls a financing agreement query interface of the bank system to query a financing agreement through a timed transaction. The enterprise system pushes transaction data (financing list) to a bank-enterprise interface of the bank-enterprise direct connection platform. And the bank-enterprise direct connection platform judges whether the financing bill exists and is not tampered and whether the financing agreement exists, if so, the bank-enterprise direct connection platform modifies the state of the transaction data into a state to be sent, and pushes the transaction data to a financing information interface of a bank system through a timed transaction. If the transaction data does not exist, the state of the transaction data is changed into unsent state, and the enterprise system updates the sending state of the transaction data according to the returned result. In addition, after the transaction data are pushed to the bank system, the bank-enterprise direct connection platform can also inquire the financing process state of the transaction data by the bank through regular transactions and write back the financing process state to the enterprise system. The enterprise system acquires the sending state and the bank-enterprise state of the transaction data through timing transaction or manual synchronization and prompts a user.
Based on the same concept, an embodiment of the present application further provides an electronic device, as shown in fig. 4, the electronic device mainly includes: a processor 401, a memory 402 and a communication bus 403, wherein the processor 401 and the memory 402 communicate with each other via the communication bus 403. The memory 402 stores a program executable by the processor 401, and the processor 401 executes the program stored in the memory 402, so as to implement the following steps:
acquiring a transaction request sent by an enterprise system, wherein the transaction request carries transaction data, and the transaction data comprises a target bank identifier and a target supply mechanism identifier;
acquiring a transaction verification condition sent by a bank system;
performing identity verification on the target supply mechanism corresponding to the target supply mechanism identification according to the transaction verification condition;
and if the identity verification is passed, the transaction data is sent to a target bank system of a target bank corresponding to the target bank identification, so that the transaction is carried out with the target supply mechanism through the target bank system according to the transaction data.
The communication bus 403 mentioned in the electronic device may be a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The communication bus 403 may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown in FIG. 4, but this does not indicate only one bus or one type of bus.
The Memory 402 may include a Random Access Memory (RAM) or a non-volatile Memory (non-volatile Memory), such as at least one disk Memory. Alternatively, the memory may be at least one memory device located remotely from the aforementioned processor 401.
The Processor 401 may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), etc., and may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic devices, discrete gates or transistor logic devices, and discrete hardware components.
In yet another embodiment of the present application, a computer-readable storage medium is further provided, in which a computer program is stored, and when the computer program runs on a computer, the computer is caused to execute the data processing method of the bank-enterprise-direct platform described in the above embodiment.
The above description has introduced the solution of the embodiment of the present application mainly from the perspective of the method-side implementation process. It is understood that the electronic device comprises corresponding hardware structures and/or software modules for performing the respective functions in order to realize the above-mentioned functions. Those of skill in the art will readily appreciate that the present application is capable of hardware or a combination of hardware and computer software implementing the various illustrative elements and algorithm steps described in connection with the embodiments provided herein. Whether a function is performed as hardware or computer software drives hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiment of the present application, the electronic device may be divided into the functional units according to the method example, for example, each functional unit may be divided corresponding to each function, or two or more functions may be integrated into one processing unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit. It should be noted that the division of the unit in the embodiment of the present application is schematic, and is only a logic function division, and there may be another division manner in actual implementation.
In the case of adopting each functional module divided corresponding to each function, a detailed description is given below to a data processing device of a bank-enterprise direct connection platform in the embodiment of the present application with reference to fig. 5, where the data processing device 500 of the bank-enterprise direct connection platform includes:
a first obtaining module 510, configured to obtain a transaction request sent by an enterprise system, where the transaction request carries transaction data, and the transaction data includes a target bank identifier and a target supply institution identifier;
a second obtaining module 520, configured to obtain a transaction verification condition sent by the banking system;
the verification module 530 is used for verifying the identity of the target supply mechanism corresponding to the target supply mechanism identifier according to the transaction verification condition;
and the sending module 540 is configured to send the transaction data to a target bank system of a target bank corresponding to the target bank identifier if the identity verification passes, so as to perform a transaction according to the transaction data through the target bank system.
In the case of using an integrated unit, a detailed description is given below with reference to fig. 6 on another data processing apparatus 600 of a bank-enterprise direct platform in the embodiment of the present application, where the data processing apparatus 600 of the bank-enterprise direct platform includes a processing unit 601 and a communication unit 602, where the processing unit 601 is configured to perform any step in the above method embodiments, and when data transmission such as sending is performed, the communication unit 602 is optionally invoked to complete a corresponding operation.
The device management apparatus 600 may further include a storage unit 603 for storing program codes and data. The processing unit 601 may be a processor, the communication unit 602 may be a touch display screen, and the storage unit 603 may be a memory.
The processing unit 601 is specifically configured to:
acquiring a transaction request sent by an enterprise system, wherein the transaction request carries transaction data, and the transaction data comprises a target bank identifier and a target supply mechanism identifier;
acquiring a transaction verification condition sent by a bank system;
performing identity verification on the target supply mechanism corresponding to the target supply mechanism identification according to the transaction verification condition;
and if the identity verification is passed, the transaction data is sent to a target bank system of a target bank corresponding to the target bank identification, so that the transaction is carried out with the target supply mechanism through the target bank system according to the transaction data.
It can be understood that, since the method embodiment and the apparatus embodiment are different presentation forms of the same technical concept, the content of the method embodiment portion in the present application should be synchronously adapted to the apparatus embodiment portion, and is not described herein again. Both the data processing device 500 of the bank-enterprise direct connection platform and the data processing device 600 of the bank-enterprise direct connection platform can execute all the data processing methods of the bank-enterprise direct connection platform included in the embodiments.
An embodiment of the present application further provides a computer storage medium, where the computer storage medium stores a computer program for electronic data exchange, and the computer program enables a computer to execute part or all of the steps of any one of the methods described in the above method embodiments, and the computer includes a data processing device of a bank-enterprise direct platform.
Embodiments of the present application also provide a computer program product comprising a non-transitory computer readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps of any of the methods as described in the above method embodiments. The computer program product may be a software installation package, the computer comprising an electronic device.
It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present application is not limited by the order of acts described, as some steps may occur in other orders or concurrently depending on the application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.
In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the above-described embodiments of the apparatus are merely illustrative, and for example, the above-described division of the units is only one type of division of logical functions, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of some interfaces, devices or units, and may be an electric or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit may be stored in a computer readable memory if it is implemented in the form of a software functional unit and sold or used as a stand-alone product. Based on such understanding, the technical solution of the present application may be substantially implemented or a part of or all or part of the technical solution contributing to the prior art may be embodied in the form of a software product stored in a memory, and including several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the above-mentioned method of the embodiments of the present application. And the aforementioned memory comprises: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.
Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by associated hardware instructed by a program, which may be stored in a computer-readable memory, which may include: flash Memory disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.
The foregoing detailed description of the embodiments of the present application has been presented to illustrate the principles and implementations of the present application, and the above description of the embodiments is only provided to help understand the method and the core concept of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (10)
1. A data processing method of a bank-enterprise direct connection platform is characterized by being applied to the bank-enterprise direct connection platform, and the method comprises the following steps:
acquiring a transaction request sent by an enterprise system, wherein the transaction request carries transaction data, and the transaction data comprises a target bank identifier and a target supply mechanism identifier;
acquiring a transaction verification condition sent by a bank system;
performing identity verification on the target supply mechanism corresponding to the target supply mechanism identification according to the transaction verification condition;
and if the identity verification passes, the transaction data is sent to a target bank system of a target bank corresponding to the target bank identification, so that the transaction is carried out with the target supply mechanism through the target bank system according to the transaction data.
2. The data processing method of the bank-enterprise direct platform according to claim 1, wherein the acquiring of the transaction verification condition sent by the bank system comprises:
acquiring an incidence relation set sent by the bank system, wherein the incidence relation set comprises at least one incidence relation, and the incidence relation is a relation between a bank and a supply mechanism established based on a bank identifier and a supply mechanism identifier;
and taking the association relation set as the transaction verification condition.
3. The data processing method of the bank-enterprise direct platform according to claim 2, wherein the identity verification of the target supply institution corresponding to the target supply institution identification according to the transaction verification condition comprises:
judging whether the incidence relation set comprises the incidence relation between the target supply mechanism and the target bank;
and if so, determining that the identity verification of the target supply mechanism passes.
4. The data processing method of the bank-enterprise direct platform according to claim 1, wherein before sending the transaction data to a target banking system of a target bank corresponding to the target bank identifier, the method further comprises:
determining that the transaction data has not been tampered with.
5. The data processing method of a bank-enterprise-direct platform according to claim 4, wherein determining that the transaction data has not been tampered with comprises:
acquiring first verification information in the transaction request, wherein the first verification information is generated by the enterprise system according to the transaction data according to a generation rule;
generating second verification information according to the transaction data and the generation rule;
and if the first verification information is consistent with the second verification information, determining that the transaction data is not tampered.
6. The data processing method of the bank-enterprise-direct platform according to claim 1, wherein the step of sending the transaction data to a target banking system of a target bank corresponding to the target banking identifier so as to perform a transaction with the target supply institution through the target banking system according to the transaction data further comprises the step of:
acquiring the acquisition state of the transaction data sent by the target bank system;
and synchronizing the acquisition state to the service system so that the service system sends an abnormal prompt message to a user when the acquisition state is an abnormal state.
7. The data processing method of a bank-enterprise direct platform according to claim 1, wherein before acquiring the transaction request sent by the enterprise system, the method further comprises:
acquiring a connection request of an enterprise system, wherein the connection request carries connection information;
determining that the connection information is in a pre-stored connection information base;
and establishing connection with the enterprise system according to the connection information.
8. A data processing device of a bank-enterprise direct connection platform is characterized by comprising:
the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring a transaction request sent by an enterprise system, the transaction request carries transaction data, and the transaction data comprises a target bank identifier and a target supply mechanism identifier;
the second acquisition module is used for acquiring the transaction verification conditions sent by the bank system;
the verification module is used for verifying the identity of the target supply mechanism corresponding to the target supply mechanism identification according to the transaction verification condition;
and the sending module is used for sending the transaction data to a target bank system of a target bank corresponding to the target bank identification if the identity verification passes, so that the transaction is carried out according to the transaction data through the target bank system.
9. An electronic device is characterized by a processor, a memory and a communication bus, wherein the processor and the memory are communicated with each other through the communication bus; the memory for storing a computer program; the processor is used for executing the program stored in the memory and realizing the data processing method of the bank-enterprise-direct platform as claimed in any one of claims 1 to 7.
10. A computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements a data processing method of a bank-enterprise-direct platform according to any one of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110363465.3A CN113205340A (en) | 2021-04-02 | 2021-04-02 | Data processing method and related device for bank-enterprise direct connection platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110363465.3A CN113205340A (en) | 2021-04-02 | 2021-04-02 | Data processing method and related device for bank-enterprise direct connection platform |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113205340A true CN113205340A (en) | 2021-08-03 |
Family
ID=77026141
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110363465.3A Pending CN113205340A (en) | 2021-04-02 | 2021-04-02 | Data processing method and related device for bank-enterprise direct connection platform |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113205340A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114448920A (en) * | 2022-01-27 | 2022-05-06 | 浙江惠瀜网络科技有限公司 | Encryption communication method, device, terminal and storage medium based on gateway routing forwarding |
| CN114884752A (en) * | 2022-07-11 | 2022-08-09 | 天津金城银行股份有限公司 | Inline gateway system, inline loan service docking method, apparatus, and medium |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20090287593A1 (en) * | 2008-05-19 | 2009-11-19 | Shauna Michelle Palmer | Systems and methods for processing commercial financial transactions |
| CN108462758A (en) * | 2018-04-02 | 2018-08-28 | 平安科技（深圳）有限公司 | Bank-corporate express communication means, device, equipment and computer readable storage medium |
| CN112308700A (en) * | 2020-10-22 | 2021-02-02 | 北京通付盾人工智能技术有限公司 | Method and device for processing enterprise credit investigation data, computer equipment and storage medium |
-
2021
- 2021-04-02 CN CN202110363465.3A patent/CN113205340A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20090287593A1 (en) * | 2008-05-19 | 2009-11-19 | Shauna Michelle Palmer | Systems and methods for processing commercial financial transactions |
| CN108462758A (en) * | 2018-04-02 | 2018-08-28 | 平安科技（深圳）有限公司 | Bank-corporate express communication means, device, equipment and computer readable storage medium |
| CN112308700A (en) * | 2020-10-22 | 2021-02-02 | 北京通付盾人工智能技术有限公司 | Method and device for processing enterprise credit investigation data, computer equipment and storage medium |
Non-Patent Citations (1)
| Title |
|---|
| 189****0315: "中征应收款融资服务平台用户操作手册v11", 《HTTPS://MAX.BOOK118.COM/HTML/2018/1202/6034212133001233.SHTM》 * |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114448920A (en) * | 2022-01-27 | 2022-05-06 | 浙江惠瀜网络科技有限公司 | Encryption communication method, device, terminal and storage medium based on gateway routing forwarding |
| CN114448920B (en) * | 2022-01-27 | 2023-12-12 | 浙江惠瀜网络科技有限公司 | Encryption communication method, device, terminal and storage medium based on gateway route forwarding |
| CN114884752A (en) * | 2022-07-11 | 2022-08-09 | 天津金城银行股份有限公司 | Inline gateway system, inline loan service docking method, apparatus, and medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11403684B2 (en) | System, manufacture, and method for performing transactions similar to previous transactions | |
| US10558820B2 (en) | System and method for maintaining a segregated database in a multiple distributed ledger system | |
| US10778682B1 (en) | Authenticating a user device associated with a user to communicate via a wireless network in a secure web-based environment | |
| KR101780636B1 (en) | Method for issuing certificate information and blockchain-based server using the same | |
| CN111414650B (en) | Order processing method and system based on blockchain storage certificate | |
| CN113168637A (en) | Secondary fraud detection during transaction verification | |
| JP6880055B2 (en) | Message anti-counterfeiting implementation method and device | |
| CN112437936A (en) | Point-to-point transfer of accounts | |
| CN110874742B (en) | Payment method and device based on block chain and intelligent contract | |
| CN113205340A (en) | Data processing method and related device for bank-enterprise direct connection platform | |
| CN110599290A (en) | Data processing method and system for cross-border transaction | |
| CN111125778A (en) | Copyright transaction information processing method and device | |
| CN110941840B (en) | Data processing method, system and terminal | |
| CN111311259A (en) | Bill processing method, device, terminal and computer readable storage medium | |
| US11171781B2 (en) | System and method which using blockchain protects the privacy of access code and the identity of an individual seeking online access | |
| CN104539616B (en) | Realize credible MESSAGE EXCHANGE and the system of storage between heterogeneous system | |
| KR20110122432A (en) | Authentication system and method using smart card web server | |
| CN111324666A (en) | Data processing method and device based on block chain | |
| CN114066451A (en) | Method and system for managing fund transaction and electronic equipment | |
| KR102376783B1 (en) | The blockchain-based transaction history confirmation system | |
| US10853789B2 (en) | Dynamic digital consent | |
| US11574299B2 (en) | Providing identification information during an interaction with an interactive computing environment | |
| WO2007083347A1 (en) | Communication terminal, server device, data management system, data management method and data management program | |
| CN112016926A (en) | User identity verification method for secure transaction environment | |
| FI130360B (en) | Verifying source of text message |
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 | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20210803 |
|
| RJ01 | Rejection of invention patent application after publication |