CN114217981A

CN114217981A - Bank-enterprise direct connection communication method and device, computer equipment and storage medium

Info

Publication number: CN114217981A
Application number: CN202111321533.6A
Authority: CN
Inventors: 周欢
Original assignee: CMB Yunchuang Information Technology Co Ltd
Current assignee: CMB Yunchuang Information Technology Co Ltd
Priority date: 2021-11-09
Filing date: 2021-11-09
Publication date: 2022-03-22

Abstract

The application relates to a bank-enterprise direct connection communication method, a bank-enterprise direct connection communication device, a computer device, a storage medium and a computer program product. The method comprises the following steps: an open Application Program Interface (API) micro-service acquires a Uniform Resource Locator (URL) service request message of a target service; the URL service request message comprises an enterprise identifier, a bank identifier and an application program interface name corresponding to a target service, the open API micro-service calls the application program interface corresponding to the API name, the application program interface is used for sending the URL request message to a target server corresponding to the bank identifier, the open API micro-service receives a service response message sent by the target server, the service response message is a response message generated by the target server according to the URL service request message, and the open API micro-service sends the service response message to a terminal corresponding to the enterprise identifier. By adopting the method, bank-enterprise interaction can be completed without arranging a front-end processor, and the bank-enterprise interaction efficiency is improved.

Description

Bank-enterprise direct connection communication method and device, computer equipment and storage medium

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for communication between a bank and an enterprise directly, a computer device, a storage medium, and a computer program product.

Background

With the rapid development of internet information technology, more and more enterprise clients are switched to bank-enterprise direct connection from traditional web banking in a bank interaction mode. The bank-enterprise direct connection is a seamless connection access mode of a bank system and an enterprise financial software system, and the bank and a clearing center of an enterprise, a financial company or enterprise ERP (enterprise resource planning) realize smooth butt joint and organic integration through online special line connection. The bank-enterprise direct connection enables the enterprise to check accounts and transfer accounts in real time without going out of home, and fund management of the enterprise among different banks is realized.

In the traditional bank-enterprise direct connection method, a plurality of bank cross-row clients (called front-end computers for short) need to be arranged, an enterprise is in butt joint with the front-end computers of all rows, and the business request is sent to the front-end computers by the enterprise and the communication between the front-end computers of all rows is completed.

However, the traditional bank-enterprise direct connection method has the problem of low bank-enterprise interaction efficiency.

Disclosure of Invention

In view of the foregoing, there is a need to provide a bank-enterprise direct-connection communication method, apparatus, computer device, computer readable storage medium, and computer program product, which can improve the interaction efficiency of the bank-enterprise.

In a first aspect, the application provides a bank-enterprise direct connection communication method. The method comprises the following steps:

an open Application Program Interface (API) micro-service acquires a Uniform Resource Locator (URL) service request message of a target service; the URL service request message comprises an enterprise identifier, a bank identifier and an application program interface name corresponding to the target service;

the open API micro-service calls an application program interface corresponding to the API name, and the application program interface is used for sending the URL request message to a target server corresponding to the bank identifier;

the open API micro-service receives a service response message sent by the target server, wherein the service response message is a response message generated by the target server according to the URL service request message;

and the open API micro-service sends the business response message to the terminal corresponding to the enterprise identification.

In one embodiment, the obtaining of the URL service request message of the target service by the API microserver includes:

the open API micro service receives a URL service request message of the target service sent by a gateway micro service, wherein the URL service request message is a request message sent by the terminal and received by the gateway micro service.

In one embodiment, the bank-enterprise direct communication method further includes:

the application program interface is used for converting the URL request message into a request message in a first target format and sending the request message in the first target format to the target server.

and the open API micro-service periodically sends heartbeat messages to the gateway micro-service, wherein the heartbeat messages are used for the gateway micro-service to judge whether the working state of the open API micro-service is normal or not.

In one embodiment, the receiving, by the open API microserver, the URL service request message of the target service sent by the gateway microserver includes:

the open API micro-service receives the service response message sent by the target server through the core service micro-service;

the service response message is obtained by converting the response message from the target server into a response message in a second target format by the core service microserver.

the open API micro-service sends information corresponding to the URL request message to a log management micro-service, wherein first information corresponding to the URL request message is used for the log management micro-service to generate a first log record corresponding to the URL request message, and the first information comprises the time when the gateway micro-service sends the URL request message, the enterprise identifier, the service identifier of the target service and the bank identifier.

In a second aspect, the application further provides a bank-enterprise direct connection communication device. The device comprises:

the acquisition module is used for acquiring a Uniform Resource Locator (URL) service request message of a target service; the URL service request message comprises an enterprise identifier, a bank identifier and an application program interface name corresponding to the target service;

the calling module is used for calling an application program interface corresponding to the API name, and the application program interface is used for sending the URL request message to a target server corresponding to the bank identifier;

a receiving module, configured to receive a service response message sent by the target server, where the service response message is a response message generated by the target server according to the URL service request message;

and the sending module is used for sending the service response message to the terminal corresponding to the enterprise identifier.

In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor implementing the steps of any of the methods described above when the processor executes the computer program.

In a fourth aspect, the present application further provides a computer-readable storage medium. The computer-readable storage medium has stored thereon a computer program which, when executed by a processor, implements the steps of any of the methods described above.

In a fifth aspect, the present application further provides a computer program product. The computer program product comprising a computer program which when executed by a processor implements the steps of any of the methods described above.

According to the bank-enterprise direct connection communication method, the bank-enterprise direct connection communication device, the computer equipment, the storage medium and the computer program product, the Uniform Resource Locator (URL) service request message of the target service is acquired through the API micro-service; the URL service request message comprises an enterprise identifier, a bank identifier and an application program interface name corresponding to the target service, the open API micro-service calls the application program interface corresponding to the API name, the application program interface is used for sending the URL request message to a target server corresponding to the bank identifier, and the open API micro-service receives a service response message sent by the target server, wherein the service response message is a response message generated by the target server according to the URL service request message, the open API micro-service sends the service response message to a terminal corresponding to the enterprise identifier, the bank-enterprise interaction can be completed without setting a front-end processor, and the bank-enterprise interaction efficiency is improved.

Drawings

Fig. 1 is an application environment diagram of a communication method for bank-enterprise direct connection in the embodiment of the present application;

fig. 2 is a schematic flow chart of a conventional bank-enterprise direct connection communication method;

FIG. 3 is a diagram of a new bank-enterprise direct connection system provided by an embodiment of the present application;

fig. 4 is a schematic flowchart of a communication method for bank-enterprise direct connection provided in an embodiment of the present application;

fig. 5 is a schematic diagram of a bank-enterprise direct connection communication system provided in an embodiment of the present application;

FIG. 6 is a schematic diagram illustrating an effect of an automated construction of a new bank-enterprise direct connection system provided in an embodiment of the present application;

FIG. 7 is a schematic diagram illustrating the effects of containerized deployment of a new bank-enterprise direct connection system provided in an embodiment of the present application;

FIG. 8 is a diagram illustrating the effect of visualization of a new bank-enterprise direct connection system provided in an embodiment of the present application;

FIG. 9 is a schematic diagram illustrating an effect of log records of a new bank-enterprise direct connection system provided in an embodiment of the present application;

fig. 10 is a schematic structural diagram of a bank-enterprise direct connection communication device provided in an embodiment of the present application;

fig. 11 is an internal structural diagram of a computer device in the embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

Fig. 1 is an application environment diagram of a communication method for bank-enterprise direct connection in an embodiment of the present application, and please refer to fig. 1, where the communication method for bank-enterprise direct connection provided in the embodiment of the present application may be applied to the application environment shown in fig. 1. The terminal 102 communicates with the server 104 through a network, and the data storage system may be integrated on the server 104, or may be placed on a cloud or other network server. The terminal 102 may be, but is not limited to, various computers, laptops and tablets, and the server 104 may be implemented by a stand-alone server or a server cluster composed of a plurality of servers.

Fig. 2 is a schematic flow diagram of a conventional bank-enterprise direct-connection communication method, as shown in fig. 2, a CBS service system refers to a Cross-bank Cash Management platform (CBS), and is a fund Management system designed and developed by a large enterprise group by a business-inviting bank, and the system combines an advanced fund Management concept, and realizes comprehensive fund Management and group Cash centralized Management in a real sense by improving enterprise fine Management and fast decision-making capability and implementing system structure and flow integration in multiple dimensions. The CBC background refers to a Cross-bank switching center (CBC), and is a background unified service processing center for processing direct connection of each bank, and foreground business background processing. The CBC background and the CBS business system are both deployed on the server for enrollment. The cross-bank client of the tendering bank is called as a tendering bank front-end processor for short, the cross-bank client of each bank is called as an other bank front-end processor for short, the tendering bank front-end processor is used for directly connecting the other bank front-end processors to realize the communication between the exchange center and other banks, and the front-end processors are just channels for communicating with each bank. The front-end processor of the other bank is taken as the front-end processor of the industrial and commercial bank for example for introduction, and the front-end processor of the industrial and commercial bank is simply referred to as the front-end of the industrial and commercial bank.

In the traditional mode, if an enterprise user wants to complete flexible fund flow and management among different banks, for example, the enterprise user needs to perform fund management in a tenderer bank and a worker bank, a CBS business system must be purchased, and a tenderer front-end processor and a worker front-end processor need to be deployed and configured on a terminal in advance. If the enterprise user wants to inquire the balance of the enterprise in the industrial and commercial bank, the enterprise user starts a move front-end processor deployed on a terminal, logs in a related business interface, the terminal sends a business request for inquiring the balance to the move front-end processor, the move front-end processor sends interface activity information corresponding to the business request to a CBC background, and the CBC background sends the interface activity information to a CBS business system, wherein the interface activity information is used for indicating which front-end processor of which bank the request message of the business request needs to be sent to. The CBS service system finds a corresponding CBC background according to the received interface activity information, sends a request message of a service request to the CBC background, converts the request message of the service request into a request message which can be identified by a background server of an industrial and commercial bank, and then stores the converted request message in a DB2 database. The front-end of the walk-in actively inquires the converted request message in the DB2 database, communicates with the front-end of the work bank, and then returns the response information of the request for inquiring the balance. The calling front-end processor acquires the response information and transmits the response information to the CBC background, the CBC background converts the response information into a response message which can be identified by the CBS service system and then returns the response message to the CBS service system, and the CBS service system returns the response message to the calling front-end processor. Therefore, in the traditional mode, if the bank-enterprise direct connection is to be realized, a CBS business system is required to be purchased and a corresponding front-end processor is deployed, so that different banks can be connected, and the connection process is complicated.

In the traditional method, a CBC background is deployed on a plurality of server clusters, each terminal can only use one server at random, and the service and times of requests are different for each terminal, so that the problem that when the server randomly used by the terminal is a busy server, the server can generate delayed response and the interaction efficiency of a bank and an enterprise is low due to the fact that one server is busy and other servers are in idle states can occur.

Fig. 3 is a new bank-enterprise direct-connection system provided in this embodiment of the present application, and as shown in fig. 3, in combination with practical application of a conventional method and considering future business expansion, this embodiment divides the new bank-enterprise direct-connection system according to fig. 3. Gateway microservice, visual User Interface (UI) microservice, open API microservice, core business microservice, front interactive microservice, log management microservice and system management microservice are deployed on different servers, all run on a Pass platform, and are arranged by an open source system Kubernets, K8s for short, of automatic deployment, expansion and management containerization application programs, open source application container engine docker is deployed, and a database and a key middleware adopt native cloud ACS, so that the performance is more stable and reliable, reasonable resource distribution and dynamic capacity expansion can be realized, and the existing system is not influenced; meanwhile, an automatic assembly line built by an automatic packing tool Jekins is deployed, production upgrading can be realized by direct triggering, and manual restarting is not needed. It should be noted that each microservice may be deployed on the same server, or may be deployed on different servers.

The gateway micro-service is used for load balancing, distributing service requests according to route configuration, realizing gray release by dynamic routing, switching production flow in real time, fusing and limiting current and authenticating, improving the disaster tolerance capability of the system, emergently repairing system defects and ensuring stable operation of the system; the visual UI micro-service is used for providing a visible management interface for a user, facilitating real-time inquiry of information such as bank-enterprise interaction state and the like, providing a bank-enterprise Business configuration management interface, quickly responding to user requirements, providing a Business Intelligence (BI) visual interface, and facilitating clear mastering of bank-enterprise docking dynamics by a client; the open API micro-service is used for constructing a uniform service request, so that a third-party Enterprise Resource Planning (ERP) can be accessed uniformly and briefly; the core business micro-service is used for interfacing different businesses of different banks and converting uniform business assembly constructed by the API micro-service into a bank requirement format; the preposed interactive micro service is used for the interaction of a preposed machine compatible with the traditional method; the log management micro-service is used for recording bank-enterprise interaction logs and recording the operation health of system services, so that the problems of bank-enterprise interaction can be conveniently and rapidly checked; the system background management micro-service is used for providing background operation and maintenance of the bank-enterprise direct connection system, and is convenient for users or operation and maintenance personnel to quickly locate problems occurring in the use process and master the operation condition of the system. The system of the embodiment splits a huge single application according to functions, and facilitates subsequent rapid development, production deployment and emergency repair production. It should be noted that, the embodiment does not specifically limit the specific architecture and the architecture content of the new bank-enterprise direct connection system.

Fig. 4 is a flowchart of a communication method for bank-enterprise direct connection provided in an embodiment of the present application, where the method is applied to the application environment shown in fig. 1 and the new bank-enterprise direct connection system shown in fig. 3, and in an embodiment, as shown in fig. 4, the method includes the following steps:

s401, opening an Application Program Interface (API) micro-service to acquire Uniform Resource Locator (URL) service request information of a target service; the URL service request message comprises an enterprise identifier, a bank identifier and an application program interface name corresponding to the target service.

In this embodiment, the terminal sends the URL service request message by using a post method of a hypertext Transfer Protocol (HTTP), where an enterprise identifier in the URL service request message is used to represent an identifier of an enterprise that sends the URL service request message, and the enterprise may send the URL service request message through the terminal, where the enterprise may be, for example, a unique identifier issued by a new bank-enterprise direct connection system to the enterprise after the enterprise registers in the system. The bank identifier in the URL service request message is used to indicate the identifier of the bank corresponding to the target service, and may be, for example, a direct connection bank name that is provided by the enterprise in the new bank-enterprise direct connection system. The application program interface name corresponding to the target service in the URL service request message is used to represent the name of the application program interface corresponding to the target service, where the target service may be any one or more of services such as balance inquiry, historical inquiry, payment, generation, inquiry details, electronic receipt inquiry, electronic receipt download, and the like, and it should be noted that this embodiment does not specifically limit the target service. It should be noted that the open API microservice may directly receive the URL request message sent by the terminal, or the terminal may send the URL request message to the gateway microservice and send the URL request message to the open API microservice, which is not limited in this embodiment.

More specifically, the URL service request message may have a style of:

“http://XXX/openApi/business/{enterprise}/{bankErpName}/{serviceName}”

the enterprise identifier is an enterprise identifier, the bankerptname is a bank identifier, the serviceName is an application program interface name corresponding to the target service, and the XXX is a reserved identifier, which may be in the form of a domain name, an IP, a port, or the like, which is not limited in this embodiment.

The conventional method must use a CBS service system and can only interface through a socket. When the socket is in butt joint, a special line is required to be arranged, so that the maintenance cost is high, and meanwhile, as no uniform butt joint parameter exists, the socket cannot be provided for a third-party ERP financial system to be in butt joint; and most of service interactions are coupled with the CBS service system seriously, which is not convenient for providing a simplified docking process facing a third-party ERP, and if a certain branch of a certain service needs to be changed, whether the influence is generated on the whole service chain needs to be considered, so that the efficiency of enterprise docking is reduced. The docking mode of the embodiment is unified, a user is supported to use an HTTP or hypertext Transfer Protocol over secure session Layer (HTTPs) for accessing, an open API is provided for each service of each bank, each service is provided with a respective application program interface, and when a third party is docked, the docking can be directly docked as long as the third party is in accordance with a request specification, and the entry and exit are explicit, clear and easy to understand, and strong in readability and operability; in addition, the docking mode of the embodiment does not need to use a CBS service system, each service is unbound with the CBS and is not strongly coupled with any service system, and the third-party ERP financial system can be conveniently docked according to the standard.

S402, opening an application program interface corresponding to the API name by the API micro-service, wherein the application program interface is used for sending the URL request message to a target server corresponding to the bank identifier.

In this embodiment, after receiving the URL request message, the open API servlet may determine the application program interface corresponding to the API name and call the application program interface to send the corresponding request message to the target server, because the URL request message carries the application program interface name corresponding to the target service. For example, in the service request message, if the application program interface name corresponding to the target service is the query balance, the application program interface corresponding to the API name is the query balance application program interface, so that the query balance application program interface can be called; in the service request message, if the bank identifier corresponding to the target service is the industrial and commercial bank, the service request message indicates that the enterprise initiates a balance inquiry request to the industrial and commercial bank, and the target server is a background server corresponding to the industrial and commercial bank, and then sends a URL request message to the background server corresponding to the industrial and commercial bank.

And S403, the open API micro-service receives a service response message sent by the target server, wherein the service response message is a response message generated by the target server according to the URL service request message.

In this embodiment, when the target server, for example, a background server corresponding to the industrial and commercial bank receives the request message, the target server processes the request according to the request message, and returns a service response message. It should be noted that the service response message may be returned by the target server to the open API microserver directly, or returned by the target server to the core service microserver, and then returned to the open API microserver after being processed by the core service microserver, which is not limited in this embodiment.

S404, the API micro-service is opened to send a service response message to the terminal corresponding to the enterprise identification.

In this embodiment, after receiving the service response message returned by the target server, the open API servlet returns the service response message to the terminal corresponding to the enterprise identifier according to the enterprise identifier in the service response message.

In this embodiment, if the user initiates a business request for inquiring the balance to the business bank through the terminal, the target server is a background server of the business bank. And the terminal sends a service request message, and the service request message is sent to the open API micro-service and then sent to a background server of the industrial and commercial bank by the open API micro-service. The service request message can be sent to the open API micro-service by the gateway micro-service, then sent to the core service micro-service by the open API micro-service, and then sent to the background server of the industrial and commercial bank by the core micro-service. The background server of the industrial and commercial bank responds to the received service request, the core service micro-service receives a service response message returned by the background server of the industrial and commercial bank and returns a request success and a corresponding balance parameter message to the terminal, wherein the service response message can comprise the request success and the corresponding balance parameter message. After receiving a service response message returned by a background server of the industrial and commercial bank, the core service microserver sends the response message to the open API microserver, and then the open API microserver sends the response message to the terminal.

In the communication method for direct connection of bank and enterprise provided by this embodiment, a uniform resource locator URL service request message of a target service is acquired through an open application program interface API micro-service; the URL service request message comprises an enterprise identifier, a bank identifier and an application program interface name corresponding to a target service, the open API micro-service calls the application program interface corresponding to the API name, the application program interface is used for sending the URL request message to a target server corresponding to the bank identifier, the open API micro-service receives a service response message sent by the target server, the service response message is a response message generated by the target server according to the URL service request message, and the open API micro-service sends the service response message to a terminal corresponding to the enterprise identifier. The business request message can be sent and the business response message can be obtained without arranging the front-end processor and the CBS business system, so that the interactive link and the arrangement equipment in the traditional mode are simplified, the problem of low business interaction efficiency caused by response delay caused by arrangement of the front-end processor and the CBS business system in the traditional bank-enterprise direct communication method is solved, and the bank-enterprise interaction efficiency is improved.

Optionally, the above S401 may be implemented as follows:

the open API micro service receives a URL service request message of a target service sent by the gateway micro service, wherein the URL service request message is a request message sent by a terminal received by the gateway micro service.

For a clearer explanation of the communication method of the bank-enterprise direct connection provided in the embodiment, the explanation is provided with reference to fig. 5. Referring to fig. 5, fig. 5 is a schematic diagram of a bank-enterprise direct connection communication system according to an embodiment of the present application. In this embodiment, the terminal initiates a request, and sends a URL service request message to the gateway microservice, and the gateway microservice sends the URL service request message to the open API microservice. In the embodiment, the gateway micro-service receives the URL service request message sent by the terminal and sends the URL service request message to the open API micro-service, so that the bank-enterprise direct communication is completed. The method of the embodiment simplifies the bank-enterprise interaction link, the instruction interaction does not depend on the database any more, most of the instruction interaction is completed in the cache, and the bank-enterprise interaction efficiency is improved.

Optionally, the aforementioned bank-enterprise direct connection communication method may also be implemented in the following manner:

In this embodiment, after the terminal initiates the request, the API microservice opens to call an application program interface corresponding to the API name, converts the request message into a request message in the first target format, and sends the request message to the target server. For example, the terminal requests to query the balance, opens the API microserver to call an application program interface corresponding to the query balance, and converts the request message into a balance query request message in the first target format.

Wherein, the request message of the first target format comprises:

the message format of standard XML is adopted, and the content of the first line is fixed, for example, <? 1.0 encoding UTF-8? >;

the method comprises the steps that only one root node is provided, a fixed part and a variable part exist under the root node, for example, the root node is a request (request), only one request header (requestHead) of the fixed part and only one request body (requestBody) of the variable part exist under the root node, fields under the requestHead node are fixed, and only field values are different;

the variable part tags are consistent in format, for example, tags under requst body nodes are consistent in format, and only the tags and field values in the tags are inconsistent.

More specifically, the requestHead of the fixed part may include a service request type, a request ID, a service request time, a service system ID, a synchronous asynchronous flag, and the like. The variable part of the requestBody is to transmit the corresponding parameters according to the corresponding service request, the corresponding parameters can be divided into public parameters and extended parameters, the public parameters are summarized according to each bank and are applicable to all banks and are indispensable items, and the extended parameters are applicable to the special requirements of a few banks and are unnecessary items. The present embodiment is not particularly limited to specific parameter forms and contents.

In the embodiment, because the URL request message is converted into the request message in the first target format, the style of the request message is standardized, the entry and exit are clear and easy to understand, the bank-enterprise interaction efficiency is improved, the message format conforms to the market mainstream style, the ERP of a third party can be conveniently and briefly accessed, the subsequent market operation is convenient, and the digital transformation of an enterprise is accelerated.

the open API micro-service periodically sends heartbeat messages to the gateway micro-service, wherein the heartbeat messages are used for the gateway micro-service to judge whether the working state of the open API micro-service is normal or not.

In this embodiment, the open API microservice periodically sends a heartbeat message to the gateway microservice, for example, it may send a heartbeat message to the gateway microservice for 5ms, if the gateway microservice does not receive the heartbeat message within a preset time, for example, 5min, the gateway microservice may determine that the open API microservice is not online, that is, the operating state is not normal, a service request message sent by a subsequent terminal is sent, and the gateway microservice does not send the service request message to the open API microservice. More specifically, referring to fig. 5, in this embodiment, each microservice of the new bank-enterprise direct connection system sends a heartbeat message to a gateway microservice, and because each microservice in this embodiment is deployed in a containerization manner, when the gateway microservice detects that one of the microservices, for example, an open API microservices, is not in a normal state, the gateway microservice can be quickly switched to the open API microservice in a normal state.

In this embodiment, because the open API microservice periodically sends heartbeat messages to the gateway microservice, and the gateway microservice judges whether the working state of the open API microservice is normal or not according to the heartbeat messages, the disaster tolerance capability of the method is improved, and the stable operation of the service is ensured.

Optionally, the above S403 may be implemented as follows:

the open API micro-service receives a service response message sent by a target server through the core service micro-service;

In this embodiment, after responding to the service request of the terminal, the target server sends the service response message to the core service microserver, and after the core service microserver converts the service response message into a response message in the second target format, the core service microserver sends the response message to the open API microserver.

Wherein, the request of the response message of the second target format includes:

there is only one root node, and there are one fixed part and one variable part under the root node, for example, the root node is response (response), there is only one response header (responseHead) of the fixed part and one response body (responseBody) of the variable part under the root node, the field under the responseHead node is fixed, only the field value is different;

the variable partial tags are consistent in format, for example, tags under responseBody nodes are consistent in format, and only tags and field values in tags are inconsistent.

More specifically, the responseHead of the fixed portion may include a service request ID, a service response time, a request response code, and the like. The variable part responseBody transmits corresponding parameters according to corresponding service requests, the corresponding parameters can be divided into public parameters and extended parameters, the public parameters are summarized according to various banks and are applicable to all banks and are mandatory items, and the extended parameters are applicable to returned special fields of a few banks and are unnecessary optional items. The present embodiment is not particularly limited to specific parameter forms and contents.

In the embodiment, because the service corresponding message is the response message in the second target format, the problem that the response message cannot be analyzed or the analysis time is too long can be caused because the docking protocol and the response message pattern of each bank are different, and the bank-enterprise interaction efficiency is reduced.

the open API micro service sends information corresponding to the URL request message to the log management micro service, first information corresponding to the URL request message is used for the log management micro service to generate a first log record corresponding to the URL request message, and the first information comprises time when the gateway micro service sends the URL request message, enterprise identification, service identification of target service and bank identification.

In this embodiment, each time a terminal initiates a request, the open API microserver receives a corresponding URL service request message, for example, when the terminal initiates a balance query request, the open API microserver receives the balance query request, and sends first information corresponding to the balance query request to the log management microserver, where the first information includes a bank identifier, an enterprise identifier, a target service, a request time of the request, and the like of the balance query request, and the log management microserver generates a corresponding first log record according to the first information and stores the first log record. Similarly, the open API microserver receives the returned response message and generates a log record according to the response time, the target service, the enterprise identifier, the target server, and the like in the returned response message, and the log management microserver stores the request and the response of the two records in a corresponding manner. The subsequent user needs to check the log, a request for inquiring the log is initiated through the terminal, the gateway micro-service receives the request and sends the request to the log management micro-service, and the log management micro-service acquires the log record from the corresponding storage and returns the log record. More specifically, the logs of the current month are stored by using an embedded storage system (ES), and other logs are stored by using the ES in combination with a Hadoop database (Hbase). It should be noted that the present embodiment does not specifically limit the specific storage manner and location.

In the traditional method, the DB2 database is adopted to store bank-enterprise interaction logs, and because DB2 resources are difficult to apply and expand, only payment and part of important interaction logs can be recorded, and the problem of operation, maintenance and positioning is inconvenient to develop. In the embodiment, due to the fact that the bank-enterprise business interaction log is tracked in a full link mode, requests and responses are recorded, a complete link record is built, and subsequent checking, operation and maintenance are facilitated; the logs in the current month are stored by adopting ES, and other logs are stored by combining ES and Hbase, so that the storage link and the performance are greatly improved.

Fig. 6 is an effect schematic diagram of automated construction of a new bank-enterprise direct connection system provided in an embodiment of the present application, fig. 7 is an effect schematic diagram of containerization deployment of the new bank-enterprise direct connection system provided in the embodiment of the present application, fig. 8 is an effect schematic diagram of visualization of the new bank-enterprise direct connection system provided in the embodiment of the present application, and fig. 9 is an effect schematic diagram of log recording of the new bank-enterprise direct connection system provided in the embodiment of the present application. As shown in fig. 6 to 9, fig. 6 to 9 are operation interfaces displayed to users by a new bank-enterprise direct connection system based on visual UI micro services, where a super direct connection is an application name of the system, each module in fig. 6 is each micro service, for example, "Open _ ST" is an Open API micro service, it can be seen that, through a start-stop button on the rightmost side, one-key start or stop can be performed on each micro service quickly and conveniently, and operation of other micro services is not affected, so that real-time dynamic capacity expansion and dynamic deployment can be realized. In the traditional method, the CBC background is deployed by adopting a virtual machine, and the CBC background needs to be manually stopped and upgraded and then is applied and upgraded one by one, so that real-time dynamic capacity expansion cannot be realized, and resources cannot be rapidly expanded. Fig. 7 shows that the micro-service is operating well in a specific containerized deployment. Fig. 8 is a BI visualization interface displayed as a terminal user by the system, AND a user can clearly know how many services are processed for the service types Of each Bank according to displayed graph data, for example, a graph 801 shows how many services are processed for the service types Of each Bank by the terminal user using the communication method Of this embodiment, for example, 1000 query services are performed for a money-buyer Bank (CMB) Bank, 5000 query services are performed for a chinese Bank (Bank Of China, BOc) Bank, 1000 query services are performed for an INDUSTRIAL Bank (enterprise AND COMMERCIAL Bank Of China, ICBC) Bank, AND the user can view the summary AND details Of the Bank-enterprise interaction in real time to clearly grasp the interaction dynamics. Fig. 9 is a log record visualization interface for displaying a service log, which cannot be provided by a BI visualization interface in a conventional manner, and a user cannot visually see details of bank-enterprise interaction. The new system provides a BI visual interface, and can monitor the general view and the details of the bank-enterprise interaction in real time. The terminal user can query the corresponding log record according to the conditions of the service category, the request time and the like in the operation interface, for example, the user can query that the balance is queried at 20 o 08 min 36 s at 11, 2 and 2 days in 2021, and the query operation normally requests but fails to return because the user does not have an account in the corresponding bank. It should be noted that fig. 6 to 9 are merely shown for effects, and the present embodiment does not limit specific contents and styles of the display.

It should be understood that, although the steps in the flowcharts related to the embodiments as described above are sequentially displayed as indicated by arrows, the steps are not necessarily performed sequentially as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a part of the steps in the flowcharts related to the embodiments described above may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the execution order of the steps or stages is not necessarily sequential, but may be rotated or alternated with other steps or at least a part of the steps or stages in other steps.

Based on the same inventive concept, the embodiment of the application also provides a bank-enterprise direct-connection communication device for realizing the bank-enterprise direct-connection communication method. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the method, so that specific limitations in one or more embodiments of the bank-enterprise direct communication device provided below can be referred to the limitations on the bank-enterprise direct communication method in the foregoing, and details are not described herein again.

Referring to fig. 10, fig. 10 is a schematic structural diagram of a bank-enterprise direct connection communication device provided in an embodiment of the present application, where the device 1000 includes: the system comprises an acquisition module 1001, a calling module 1002, a receiving module 1003 and a first sending module 1004, wherein each module is an open API microservice module, and the open API microservice may be deployed in a server, wherein:

an obtaining module 1001, configured to obtain a uniform resource locator URL service request message of a target service; the URL service request message comprises an enterprise identifier, a bank identifier and an application program interface name corresponding to the target service.

The calling module 1002 is configured to call an application program interface corresponding to the API name, where the application program interface is configured to send a URL request message to a target server corresponding to the bank identifier.

The receiving module 1003 is configured to receive a service response message sent by the target server, where the service response message is a response message generated by the target server according to the URL service request message.

A first sending module 1004, configured to send a service response message to the terminal corresponding to the enterprise identity.

The communication device directly connected to the bank and the enterprise provided by the embodiment acquires a Uniform Resource Locator (URL) service request message of a target service; wherein, the URL service request message comprises an enterprise identifier, a bank identifier and an application program interface name corresponding to the target service, an application program interface corresponding to the API name is called, the application program interface is used for sending the URL request message to a target server corresponding to the bank identifier and receiving a service response message sent by the target server, the business response message is a response message generated by the target server according to the URL business request message, the business response message is sent to the terminal corresponding to the enterprise identifier, the business request message can be sent and the business response message can be obtained by arranging the front-end processor and the CBS business system, an interactive link and deployment equipment in a traditional mode are simplified, the problem that the bank-enterprise interaction efficiency is low due to response delay caused by the deployment of the front-end processor and the CBS business system in the conventional bank-enterprise direct communication method is solved, and the bank-enterprise interaction efficiency is improved.

Optionally, the obtaining module 1001 is specifically configured to receive, by the open API microservice, a URL service request message of a target service sent by the gateway microservice, where the URL service request message is a request message sent by a terminal and received by the gateway microservice.

Optionally, the application program interface is configured to convert the URL request message into a request packet in a first target format, and send the request packet in the first target format to the target server.

Optionally, the bank-enterprise directly-connected communication device 1000 further includes:

and the second sending module is used for periodically sending heartbeat messages to the gateway micro-service, wherein the heartbeat messages are used for the gateway micro-service to judge whether the working state of the open API micro-service is normal or not.

Optionally, the receiving module 1003 is specifically configured to receive a service response message sent by the target server through the core service micro service;

and the third sending module is used for sending information corresponding to the URL request message to the log management micro-service, the first information corresponding to the URL request message is used for the log management micro-service to generate a first log record corresponding to the URL request message, and the first information comprises the time when the gateway micro-service sends the URL request message, the enterprise identifier, the service identifier of the target service and the bank identifier.

The modules in the aforementioned communication device connected to the bank may be implemented in whole or in part by software, hardware, and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

Fig. 11 is an internal structure diagram of a computer device in the embodiment of the present application, and in this embodiment, a computer device is provided, where the computer device may be a terminal or a server, and the internal structure diagram may be as shown in fig. 11. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless communication can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a method of bank-to-enterprise direct communication. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.

Those skilled in the art will appreciate that the architecture shown in fig. 11 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, which includes a memory and a processor, where the memory stores a computer program, and the processor implements the steps of the method for communication by direct bank-to-enterprise provided in the above embodiment when executing the computer program. The implementation principle and technical effect are similar to those of the above method embodiments, and are not described herein again.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, which, when being executed by a processor, implements the steps of the bank-enterprise direct communication method provided by the above-mentioned embodiments. The implementation principle and technical effect are similar to those of the above method embodiments, and are not described herein again.

In one embodiment, a computer program product is provided, which comprises a computer program that, when executed by a processor, implements the steps of the method for bank-to-enterprise direct communication provided by the above-described embodiments. The implementation principle and technical effect are similar to those of the above method embodiments, and are not described herein again.

It should be noted that, the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high-density embedded nonvolatile Memory, resistive Random Access Memory (ReRAM), Magnetic Random Access Memory (MRAM), Ferroelectric Random Access Memory (FRAM), Phase Change Memory (PCM), graphene Memory, and the like. Volatile Memory can include Random Access Memory (RAM), external cache Memory, and the like. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others. The databases referred to in various embodiments provided herein may include at least one of relational and non-relational databases. The non-relational database may include, but is not limited to, a block chain based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic devices, quantum computing based data processing logic devices, etc., without limitation.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present application shall be subject to the appended claims.

Claims

1. A method of bank-to-enterprise direct communication, the method comprising:

and the open API micro-service sends the business response message to a terminal corresponding to the enterprise identification.

2. The method of claim 1, wherein the open Application Program Interface (API) microserver obtains a Uniform Resource Locator (URL) service request message for a target service, comprising:

and the open API micro-service receives a URL service request message of the target service, which is sent by a gateway micro-service, wherein the URL service request message is a request message sent by the terminal and received by the gateway micro-service.

3. The method of claim 1, wherein the application program interface is configured to convert the URL request message into a request message in a first target format and send the request message in the first target format to the target server.

4. The method of claim 2, further comprising:

5. The method of claim 1, wherein the receiving, by the open API microserver, the service response message sent by the target server comprises:

the service response message is obtained after the core service microserver converts the response message from the target server into a response message in a second target format.

6. The method of claim 2, wherein the method comprises:

and the open API micro-service sends information corresponding to the URL request message to a log management micro-service, wherein first information corresponding to the URL request message is used for the log management micro-service to generate a first log record corresponding to the URL request message, and the first information comprises the time when the gateway micro-service sends the URL request message, the enterprise identifier, the service identifier of the target service and the bank identifier.

7. A bank-to-enterprise direct communication device, the device comprising:

8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 6.

9. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.

10. A computer program product comprising a computer program, characterized in that the computer program realizes the steps of the method of any one of claims 1 to 6 when executed by a processor.