CN115983963A - Third-party platform business processing method and device based on bank-enterprise direct connection - Google Patents
Third-party platform business processing method and device based on bank-enterprise direct connection Download PDFInfo
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Abstract
The invention discloses a third-party platform business processing method and a device based on bank-enterprise direct connection, relating to the technical field of big data processing, wherein the method comprises the following steps: acquiring a service request of a client, and generating a service order according to the service request; sending the business order to a bank-enterprise direct connection preposition so that the bank-enterprise direct connection preposition generates a corresponding prefabricated order according to the business type corresponding to the business order and the order information in the business order and sends the prefabricated order to a bank system, wherein the bank-enterprise direct connection preposition is connected with the bank system through a bank-enterprise direct connection channel; and processing the business order after the customer finishes the transaction of the banking business corresponding to the prefabricated form in the banking system. The invention is beneficial to improving the business handling experience of the client on the third-party platform.
Description
Technical Field
The invention relates to the technical field of big data processing, in particular to a third-party platform business processing method and device based on bank-enterprise direct connection.
Background
At present, the third-party platform business and the bank have difficulty in butting public financial services. Taking an energy platform electricity selling scene as an example, after a public customer is registered on an energy platform (a third-party platform), electricity purchasing business is carried out, and the energy platform requires the customer to transfer electricity purchasing funds into an energy provider bank account. In a traditional business implementation mode, public customers under a third-party platform need to transfer accounts through channels such as offline (ATM, counter) \ online (internet bank, mobile banking and the like) and the like, so that the situations of information input error, multi-turn, few-turn and the like easily occur, and the business handling on the third-party platform is easy to cause problems.
Disclosure of Invention
The invention provides a third-party platform service processing method and device based on bank-enterprise direct connection in order to solve at least one technical problem in the background technology.
In order to achieve the above object, according to one aspect of the present invention, there is provided a third party platform business processing method based on a bank-enterprise direct connection, the method being applied to a third party platform, and the method including:
acquiring a service request of a client, and generating a service order according to the service request;
sending the business order to a bank-enterprise direct connection preposition so that the bank-enterprise direct connection preposition generates a corresponding prefabricated order according to the business type corresponding to the business order and the order information in the business order and sends the prefabricated order to a bank system, wherein the bank-enterprise direct connection preposition is connected with the bank system through a bank-enterprise direct connection channel;
and processing the business order after the customer finishes the transaction of the banking business corresponding to the prefabricated form in the banking system.
Optionally, when the bank-enterprise direct connection front-end receives the service order, firstly, the platform authentication check is performed on the third-party platform, the verification check is performed on the service order, and after the check is passed, the prefabricated order corresponding to the service order is generated.
Optionally, after the customer completes transaction of the banking business corresponding to the prefabricated form in the banking system, the processing of the business order includes:
inquiring the transaction state of the banking business to the banking system through a bank-enterprise direct connection channel;
and if the transaction state is complete, processing the service order.
Optionally, after the customer completes the transaction of the banking business corresponding to the prepared form in the banking system, the processing of the business order includes:
receiving a banking business transaction completion notice which is pushed by the banking system through a bank-enterprise direct connection channel;
and processing the service order according to the transaction completion notification.
Optionally, after the customer completes the transaction of the banking business corresponding to the prepared form in the banking system, the processing of the business order includes:
acquiring a transaction completion notice of the banking business from the front bank-enterprise direct connection, wherein the banking system pushes the transaction completion notice of the banking business to the front bank-enterprise direct connection;
and processing the service order according to the transaction completion notification.
Optionally, the third-party platform service processing method based on bank-enterprise direct connection further includes:
and when receiving an online bank login request of the client, sending a preset online bank login module to the client so that the client logs in the bank system through the online bank login module, and further transacting the banking business in the bank system.
In order to achieve the above object, according to another aspect of the present invention, there is provided a third party platform business processing apparatus based on bank-enterprise direct connection, the apparatus being applied to a third party platform, the apparatus including:
the business order generating unit is used for acquiring a business request of a client and generating a business order according to the business request;
the system comprises a prefabricated order generating unit, a bank-enterprise direct connection front-end unit and a bank system, wherein the prefabricated order generating unit is used for sending the business order to the bank-enterprise direct connection front-end unit so as to enable the bank-enterprise direct connection front-end unit to generate a corresponding prefabricated order according to the business type corresponding to the business order and the order information in the business order and send the prefabricated order to the bank system, and the bank-enterprise direct connection front-end unit is connected with the bank system through a bank-enterprise direct connection channel;
and the business order processing unit is used for processing the business order after the customer finishes the handling of the corresponding banking business of the prefabricated order in the banking system.
In order to achieve the above object, according to another aspect of the present invention, there is also provided a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the steps of the third party platform business processing method based on bank-enterprise peering when executing the computer program.
To achieve the above object, according to another aspect of the present invention, there is also provided a computer readable storage medium, on which is stored a computer program/instruction, which when executed by a processor, implements the steps of the above third party platform business processing method based on bank-enterprise peering.
To achieve the above object, according to another aspect of the present invention, there is also provided a computer program product, which includes computer program/instructions, and when the computer program/instructions are executed by a processor, the computer program/instructions implement the steps of the third party platform business processing method based on bank-enterprise peering.
The invention has the beneficial effects that:
according to the embodiment of the invention, the corresponding prefabricated sheet is generated according to the service type corresponding to the service order and the order information in the service order, and is sent to the banking system through the bank-enterprise direct connection channel, so that the service order is processed after the customer completes the handling of the banking service corresponding to the prefabricated sheet in the banking system.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts. In the drawings:
FIG. 1 is a first flowchart of a third-party platform business processing method based on bank-enterprise direct connection according to an embodiment of the present invention;
FIG. 2 is a second flowchart of a third-party platform business processing method based on bank-enterprise direct connection according to an embodiment of the present invention;
FIG. 3 is a third flowchart of a third-party platform service processing method based on bank-enterprise direct connection according to an embodiment of the present invention;
fig. 4 is a fourth flowchart of a third-party platform service processing method based on bank-enterprise direct connection according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a three-way interaction of the present invention;
FIG. 6 is a schematic diagram of the system architecture of the present invention;
FIG. 7 is a block diagram of a third-party platform service processing apparatus based on a bank-enterprise direct connection according to an embodiment of the present invention;
FIG. 8 is a schematic diagram of a computer apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
It should be noted that the terms "comprises" and "comprising," and any variations thereof, in the description and claims of the present invention and the above-described drawings, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention will be described in detail below with reference to the embodiments with reference to the attached drawings.
It should be noted that, in the technical solution of the present application, the acquisition, storage, use, processing, etc. of data all conform to the relevant regulations of the national laws and regulations.
It should be noted that the third-party platform service processing method and device based on the bank-enterprise direct connection can be used in the financial field and can also be used in any field except the financial field, and the application field of the third-party platform service processing method and device based on the bank-enterprise direct connection is not limited.
The invention mainly solves the problem of the butt joint of the third-party platform business and the bank to the public financial service, provides a full-flow butt joint scheme of the third-party platform business and the bank to the public financial service aiming at the limitation that only a service client is in the existing direct connection butt joint scheme of the bank and the enterprise, and realizes the efficient cooperation among the bank, the third-party platform and member clients thereof.
The invention provides enterprise online banking precast list application based on bank-enterprise direct connection, which breaks through the limitation that a third-party platform cannot provide banking financial services for public customers under the platform through a bank-enterprise direct connection channel. The scheme of the invention not only keeps the security advantage of direct connection of the bank-enterprise, but also can realize the provision of bank financial service for the public client under the platform. The bank financial service application is connected through the prefabricated single application, so that the system has good flexibility and expansibility, and can output financial services to a third-party platform as required according to different platforms and different vertical businesses.
Fig. 5 is a schematic diagram of the three-party interaction of the present invention, and as shown in fig. 5, the present invention relates to a client, a third-party platform and a banking system.
The client: the bank is a public client and a client under a third-party platform, and related financial and non-financial services are completed by combining a system provided by the third-party platform and an enterprise online banking system of the bank.
A third party platform: the bank is a fair platform client, and the bank provides bank related financial services for the public client under the platform by calling an interface provided by the bank through the bank enterprise online banking system.
The bank system: the bank's online electronic channel through which public customers transact related financial and financial services.
It should be noted that the third-party platform business processing method based on the bank-enterprise direct connection in the following embodiments of the present invention is applied to a third-party platform, that is, the execution subject of the method in the following embodiments is the third-party platform.
Fig. 1 is a first flowchart of a third party platform business processing method based on bank-enterprise peering according to an embodiment of the present invention, and as shown in fig. 1, in an embodiment of the present invention, the third party platform business processing method based on bank-enterprise peering according to the present invention includes steps S101 to S103.
Step S101, obtaining a service request of a client, and generating a service order according to the service request.
As shown in fig. 6, in one embodiment of the invention, the third party platform may include a variety of platforms, such as: energy platform, purchase platform, commodity circulation platform, cross border trade platform. The service requests may be different in platform type, for example: funds transfer, surreptitious wages, bill payments, foreign exchange remittance, and the like.
In one embodiment of the invention, a client logs in to a third-party platform through a client, and then initiates a service request on the third-party platform.
In one embodiment of the invention, the third-party platform generates the service order according to the specific information contained in the service request. The service orders are different according to different service requests, and the information contained in the service orders is also different, for example, the service orders corresponding to the fund transfer service specifically include: account transfer name, account transfer bank card number, payee name, payee bank card number, remark information, etc.
And S102, sending the business order to a bank-enterprise direct connection preposition so as to enable the bank-enterprise direct connection preposition to generate a corresponding prefabricated order according to the business type corresponding to the business order and the order information in the business order, and sending the prefabricated order to a bank system, wherein the bank-enterprise direct connection preposition is connected with the bank system through a bank-enterprise direct connection channel.
The system of the order is the step of initiating the existing business in the public field by the bank, the concept of the prefabricated order is particularly the specific step added for connecting the business with the financial service before the step of initiating the existing business, and the prefabricated order is used for initiating a business in a bank system.
The invention establishes the prefabricated single template for different types of business orders, and then fills the order 5 information in the business orders into the corresponding prefabricated single template to complete the generation of the prefabricated single.
The prefabricated bill can draw up respective bill information according to the subsequent initiated financial service. Such as transfer transactions, typically have payment account information, amount, purpose, etc.
The content of the prepared order can be obtained from a service order of a third-party platform. The invention also associates the order number of the pre-made order with the order number of the business order after the pre-made order is generated.
0 the invention has flexible design of the preset single function, can limit partial content not to be modified by customers, and can also be used as a basis
Depending on the scenario, and the characteristics of the particular financial service (the internal business requirements of the bank), the customer is required to supplement the content. For example, foreign exchange remittance, international receipt declaration information is filled in according to bank requirements, and in a pre-filling bill, a third party platform has no specific requirements on the information, and then a client is required to supplement the information.
And step S103, processing the business order after the client finishes 5 transaction of the corresponding banking business of the prefabricated form in the banking system.
In the invention, the prepared order is used for initiating a banking business in a banking system, for example, a customer purchases electricity on an energy platform, the third-party platform generates a corresponding prepared order after generating an electricity purchase order, the prepared order is used for initiating a payment business in the banking system, and the payment business is used for payment of the electricity purchase order. In the present invention, it is preferable that,
and after the customer finishes the transaction of the banking business, the third-party platform processes the business order of the customer, for example, after the payment of the electricity purchasing order is finished by combination of 0, the energy platform processes the electricity purchasing order of the customer.
In the invention, the banking business is determined by the type of the prefabricated bill, and the banking business can be transfer business, collection and payment business, bill business, foreign exchange business and the like.
In one embodiment of the invention, the customer may perform the banking transaction in a number of ways, such as
5, the banking business can be handled by channels such as offline (ATM, counter) \ online (internet bank, mobile banking and the like).
As shown in FIG. 6, the bank system is provided with a bank-enterprise direct connection front-mounted device which is connected with the bank system through a bank-enterprise direct connection channel, and the bank-enterprise direct connection front-mounted device is embedded in a third-party platform and used for generating and sending the prefabricated bill.
In another embodiment of the invention, the bank-enterprise peering front can also be independent of the third party platform.
In an embodiment of the present invention, when the bank-enterprise direct connection front-end receives the service order, the platform authentication check is performed on the third-party platform and the verification check is performed on the service order, and after the check is passed, the pre-made order corresponding to the service order is generated.
In one embodiment of the invention, the bank-enterprise direct connection front-end also has the function of authentication and authorization. The platform authentication check refers to checking whether the bank system authorizes the third party platform to use the bank-enterprise direct connection function. And checking the service order, specifically, violation checking and service validity checking.
In an embodiment of the present invention, the sending the prefabricated form to a banking system through a bank-enterprise direct connection channel specifically includes:
logging in the bank enterprise online banking system, and recording the prefabricated bill in the bank enterprise online banking system.
In an embodiment of the invention, the third-party platform is used as an enterprise client, and can be in butt joint with a bank system through a bank enterprise online banking system provided by a bank to carry out financial activities, thereby realizing bank-enterprise direct connection.
As shown in fig. 2, in an embodiment of the present invention, after the customer completes the transaction of the banking business corresponding to the prepared form in the banking system in step S103, the processing of the business order specifically includes step S201 and step S202.
Step S201, inquiring the handling state of the banking business to the banking system through a bank-enterprise direct connection channel.
And step S202, if the transaction state is complete, processing the service order.
In an embodiment of the present invention, the third party platform may actively query the banking system about the transaction status of the banking business, and further determine whether the business order needs to be processed according to the queried transaction status.
As shown in fig. 3, in another embodiment of the present invention, after the customer completes the transaction of the banking business corresponding to the prepared form in the banking system in step S103, the processing of the business order specifically includes step S301 and step S302.
And step S301, receiving a banking business transaction completion notice pushed by the banking system through a bank-enterprise direct connection channel.
And step S302, processing the service order according to the transaction completion notification.
In an embodiment of the invention, after completing the transaction of the banking business, the banking system actively pushes a transaction completion notice to a third-party platform through a bank-enterprise direct connection channel, and the third-party platform processes the business order according to the pushed transaction completion notice.
As shown in fig. 4, in another embodiment of the present invention, after the customer completes the transaction of the banking business corresponding to the prepared form in the banking system in step S103, the processing of the business order specifically includes step S401 and step S402.
And S401, acquiring a transaction completion notice of the banking business from the front bank-enterprise direct connection, wherein the banking system pushes the transaction completion notice of the banking business to the front bank-enterprise direct connection.
And step S402, processing the service order according to the transaction completion notification.
In an embodiment of the invention, after completing the transaction of the banking business, the banking system actively pushes a transaction completion notice to the front part of the bank-enterprise direct connection through the bank-enterprise direct connection channel. The front bank-enterprise direct connection device can actively push the transaction completion notice to a third-party platform, and the third-party platform can also actively acquire the transaction completion notice from the front bank-enterprise direct connection device.
In an embodiment of the present invention, the third party platform service processing method based on the bank-enterprise direct connection further includes:
and when receiving an online bank login request of the client, sending a preset online bank login module to the client so that the client logs in the bank system through the online bank login module, and further transacting the banking business in the bank system.
In an embodiment of the invention, an online banking login module is further embedded in the third-party platform and is used for online banking login of a client so as to conduct banking business handling. According to the invention, the online bank login module is arranged in the third-party platform, so that the client can complete online bank login and banking business transaction on the third-party platform, and the convenience and the functional integrity of the third-party platform are further improved.
Taking an energy platform electricity selling scene as an example, public customers need to register on the energy platform through a PC or a mobile phone and complete electricity purchasing business. The customer operation flow is as follows:
1. and the customer initiates an electricity purchase application on the energy platform.
2. And the customer completes the operation of the relevant flow of the electricity purchasing business and the information input on the energy platform.
3. And the platform generates a power purchase order according to the information input by the customer, including order information, payee information, settlement amount and the like.
4. The platform pushes the order to the front part of the bank-enterprise, the bank-enterprise is connected with the front part of the bank-enterprise for platform authentication and inspection, and the order can be admitted after the platform inspection is passed.
5. The bank-enterprise direct connection front-mounted system is used for checking orders, and after the orders are checked to be correct, the bank-enterprise direct connection front-mounted system initiates the preset order import of the bank application terminal.
6. After the bank system finishes the import of the prefabricated order, the order information is stored at the bank end. The platform may set the order as a to-be-ordered document.
7. And the customer logs in the online bank through a gateway entrance or a normal online bank login entrance, and enters a preset order to inquire and find an order corresponding to the platform service.
8. And the client additionally inputs related information such as information of a payer and performs transfer input and submission by combining the information of the prefabricated single data.
9. And the financial operator of the client verifies the bill submitted by the operator of the client and completes the online bank transfer service.
10. And updating the fund settlement state and related information of the electricity purchase order through special inquiry transaction by the platform. The client can also inquire the relevant information on the platform.
The technology of the invention breaks through the limitation that the third-party platform can not provide bank financial service for the public client under the platform through the bank-enterprise direct connection channel. The scheme of the invention not only keeps the security advantage of direct connection of the bank and the enterprise, but also can realize the provision of bank financial service for the public client under the platform. The bank financial service application is connected through the prefabricated single application, so that the system has good flexibility and expansibility, and can output financial services to a third-party platform as required according to different platforms and different vertical businesses. The third-party platform can provide enterprise online banking financial product prefabricated sheet service for the public clients under the platform through the scheme, so that the client operation is simplified, a transaction closed loop is formed, efficient cooperation among the bank, the platform and member clients is realized, and platform ecology of bank-enterprise joint honor and symbiosis is constructed.
Some terms appearing in the present invention are explained below:
the bank-enterprise is directly connected: the enterprise business system is directly connected with the bank system in a butt joint mode, and the enterprise business system directly uses related financial services by calling an internet interface issued by a bank. The third party platform, itself, is also an enterprise client, so a bank-enterprise direct connection can be adopted.
Enterprise internet banking: refers to an online banking channel provided for public customers by financial institutions such as commercial banks.
Prefabricating a sheet: the third-party platform initiates financial services such as account transfer and the like for the public clients independently under the platform through a bank-enterprise direct connection channel provided by a bank, and the independent process of using enterprise online banking financial services for the public clients under the platform is simplified. The system of the order is the step of initiating the existing business in the public field by the bank, the concept of the prefabricated order is particularly the specific step added for connecting the business with the financial service before the step of initiating the existing business, and the prefabricated order is used for initiating a business in a bank system.
Financial service: financial institutions such as commercial banks provide financial services such as account inquiry, account transfer, generation and deduction for public customers through enterprise internet banking.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
Based on the same inventive concept, the embodiment of the present invention further provides a third party platform service processing apparatus based on the bank-enterprise direct connection, which is applied to a third party platform and can be used to implement the third party platform service processing method based on the bank-enterprise direct connection described in the above embodiment, as described in the following embodiments. Because the principle of solving the problem of the third-party platform service processing device based on the bank-enterprise direct connection is similar to that of the third-party platform service processing method based on the bank-enterprise direct connection, reference may be made to the embodiment of the third-party platform service processing device based on the bank-enterprise direct connection for the embodiment of the third-party platform service processing method based on the bank-enterprise direct connection, and repeated parts are not described again. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 7 is a block diagram of a third party platform service processing apparatus based on bank-enterprise direct connection according to an embodiment of the present invention, and as shown in fig. 7, in an embodiment of the present invention, the third party platform service processing apparatus based on bank-enterprise direct connection according to the present invention includes:
a service order generating unit 1, configured to obtain a service request of a client, and generate a service order according to the service request;
the prefabricated order generating unit 2 is used for sending the business order to a bank-enterprise direct connection preposition so as to enable the bank-enterprise direct connection preposition to generate a corresponding prefabricated order according to the business type corresponding to the business order and the order information in the business order and send the prefabricated order to a bank system, wherein the bank-enterprise direct connection preposition is connected with the bank system through a bank-enterprise direct connection channel;
and the business order processing unit 3 is used for processing the business order after the customer completes the handling of the corresponding banking business of the prefabricated order in the banking system.
In an embodiment of the present invention, when the bank-enterprise direct connection front-end receives the service order, the platform authentication check is performed on the third-party platform and the verification check is performed on the service order, and after the check is passed, the prefabricated order corresponding to the service order is generated.
In an embodiment of the present invention, the platform authentication check on the third party platform is specifically to check whether the banking system authorizes the third party platform to use a bank-enterprise direct connection function.
In an embodiment of the present invention, the precast list generating unit 2 specifically includes:
and the bank enterprise online bank system login module is used for logging in the bank enterprise online bank system and recording the prefabricated bill in the bank enterprise online bank system.
In an embodiment of the present invention, the service order processing unit 3 specifically includes:
the business handling state query module is used for querying the handling state of the banking business to the banking system through a bank-enterprise direct connection channel;
and the first processing module is used for processing the service order if the transaction state is complete.
In an embodiment of the present invention, the service order processing unit 3 specifically includes:
the transaction completion notification receiving module is used for receiving a transaction completion notification of the banking business pushed by the banking system through a bank-enterprise direct connection channel;
and the second processing module is used for processing the service order according to the transaction completion notification.
In an embodiment of the present invention, the service order processing unit 3 specifically includes:
a transaction completion notification acquisition module, configured to acquire a transaction completion notification of the banking business from the bank-enterprise direct connection front end, where the banking system pushes the transaction completion notification of the banking business to the bank-enterprise direct connection front end;
and the third processing module is used for processing the service order according to the transaction completion notification.
In an embodiment of the present invention, the third party platform service processing apparatus based on the bank-enterprise direct connection further includes:
and the client login module is used for sending a preset online bank login module to the client when receiving an online bank login request of the client so that the client logs in the bank system through the online bank login module and then transacts the banking business in the bank system.
To achieve the above object, according to another aspect of the present application, there is also provided a computer apparatus. As shown in fig. 8, the computer device comprises a memory, a processor, a communication interface and a communication bus, wherein a computer program that can be run on the processor is stored in the memory, and the steps of the method of the above embodiment are realized when the processor executes the computer program.
The processor may be a Central Processing Unit (CPU). The Processor may also be other general purpose processors, digital Signal Processors (DSPs), application Specific Integrated Circuits (ASICs), field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, or a combination thereof.
The memory, which is a non-transitory computer readable storage medium, may be used to store non-transitory software programs, non-transitory computer executable programs, and units, such as the corresponding program units in the above-described method embodiments of the present invention. The processor executes various functional applications of the processor and the processing of the work data by executing the non-transitory software programs, instructions and modules stored in the memory, that is, the method in the above method embodiment is realized.
The memory may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created by the processor, and the like. Further, the memory may include high speed random access memory, and may also include non-transitory memory, such as at least one disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory optionally includes memory located remotely from the processor, and such remote memory may be coupled to the processor via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The one or more units are stored in the memory and when executed by the processor perform the method of the above embodiments.
The specific details of the computer device may be understood by referring to the corresponding related descriptions and effects in the above embodiments, and are not described herein again.
In order to achieve the above object, according to another aspect of the present application, there is also provided a computer-readable storage medium storing a computer program, which when executed in a computer processor implements the steps in the third-party platform business processing method based on bank-enterprise direct federation. 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 a computer program, which can be stored in a computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic Disk, an optical Disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a Flash Memory (Flash Memory), a Hard Disk (Hard Disk Drive, abbreviated as HDD), a Solid State Drive (SSD), or the like; the storage medium may also comprise a combination of memories of the kind described above.
To achieve the above object, according to another aspect of the present application, there is also provided a computer program product, which includes computer program/instructions, and when the computer program/instructions are executed by a processor, the steps of the third party platform business processing method based on the bank and enterprise peering are implemented.
It will be apparent to those skilled in the art that the modules or steps of the present invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and they may alternatively be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, or fabricated separately as individual integrated circuit modules, or fabricated as a single integrated circuit module from multiple modules or steps. Thus, the present invention is not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (14)
1. A third-party platform business processing method based on bank-enterprise direct connection is characterized by being applied to a third-party platform, and comprises the following steps:
acquiring a service request of a client, and generating a service order according to the service request;
sending the business order to a bank-enterprise direct connection preposition so as to enable the bank-enterprise direct connection preposition to generate a corresponding prefabricated order according to the business type corresponding to the business order and the order information in the business order, and sending the prefabricated order to a bank system, wherein the bank-enterprise direct connection preposition is connected with the bank system through a bank-enterprise direct connection channel;
and processing the business order after the customer finishes the transaction of the banking business corresponding to the prefabricated form in the banking system.
2. The bank-enterprise direct connection-based third-party platform business processing method as claimed in claim 1, wherein when the bank-enterprise direct connection is preposed, platform authentication inspection is firstly carried out on the third-party platform and verification inspection is carried out on the business order, and after the inspection is passed, a prefabricated order corresponding to the business order is generated.
3. The bank-enterprise-direct-connection-based third-party platform business processing method according to claim 2, wherein performing platform authentication check on the third-party platform specifically checks whether the banking system authorizes the third-party platform to use a bank-enterprise-direct-connection function.
4. The third-party platform business processing method based on bank-enterprise direct connection as claimed in claim 1, wherein after the customer completes the handling of the corresponding banking business of the pre-made form in the banking system, the processing of the business order specifically comprises:
inquiring the transaction state of the banking business to the banking system through a bank-enterprise direct connection channel;
and if the transaction state is the completion, processing the service order.
5. The third-party platform business processing method based on bank-enterprise direct connection as claimed in claim 1, wherein after the customer completes the handling of the corresponding banking business of the pre-made form in the banking system, the processing of the business order specifically comprises:
receiving a transaction completion notice of the banking business pushed by the banking system through a bank-enterprise direct connection channel;
and processing the service order according to the transaction completion notice.
6. The third-party platform business processing method based on bank-enterprise direct connection as claimed in claim 1, wherein after the customer completes the transaction of the corresponding banking business of the prefabricated form in the banking system, the business order is processed, which specifically includes:
acquiring a transaction completion notice of the banking business from the front bank-enterprise direct connection, wherein the banking system pushes the transaction completion notice of the banking business to the front bank-enterprise direct connection;
and processing the service order according to the transaction completion notice.
7. The third party platform business processing method based on the bank-enterprise direct connection, as recited in claim 1, further comprising:
and when receiving an online bank login request of the client, sending a preset online bank login module to the client so that the client logs in the bank system through the online bank login module, and further transacting the banking business in the bank system.
8. A third party platform business processing device based on bank-enterprise direct connection is characterized in that the device is applied to a third party platform and comprises:
the business order generating unit is used for acquiring a business request of a client and generating a business order according to the business request;
the system comprises a prefabricated order generating unit, a bank-enterprise direct connection front-end unit and a bank system, wherein the prefabricated order generating unit is used for sending the business order to the bank-enterprise direct connection front-end unit so as to enable the bank-enterprise direct connection front-end unit to generate a corresponding prefabricated order according to the business type corresponding to the business order and the order information in the business order and send the prefabricated order to the bank system, and the bank-enterprise direct connection front-end unit is connected with the bank system through a bank-enterprise direct connection channel;
and the business order processing unit is used for processing the business order after the customer completes the transaction of the corresponding banking business of the prefabricated form in the banking system.
9. The third party platform business processing device based on bank-enterprise direct connection as claimed in claim 8, wherein the business order processing unit specifically comprises:
the business handling state query module is used for querying the handling state of the banking business to the banking system through a bank-enterprise direct connection channel;
and the first processing module is used for processing the business order if the transaction state is complete.
10. The third party platform business processing device based on bank-enterprise direct connection as claimed in claim 8, wherein the business order processing unit specifically comprises:
the transaction completion notification receiving module is used for receiving a transaction completion notification of the banking business pushed by the banking system through a bank-enterprise direct connection channel;
and the second processing module is used for processing the service order according to the transaction completion notification.
11. The third party platform service processing apparatus based on bank-enterprise direct connection as claimed in claim 8, wherein the service order processing unit specifically includes:
a transaction completion notification acquisition module, configured to acquire a transaction completion notification of the banking business from the bank-enterprise direct connection front end, where the banking system pushes the transaction completion notification of the banking business to the bank-enterprise direct connection front end;
and the third processing module is used for processing the service order according to the transaction completion notification.
12. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method according to any of claims 1 to 7 are implemented when the computer program is executed by the processor.
13. A computer-readable storage medium, on which a computer program/instructions are stored, characterized in that the computer program/instructions, when executed by a processor, implement the steps of the method of any one of claims 1 to 7.
14. A computer program product comprising computer program/instructions, characterized in that the computer program/instructions, when executed by a processor, implement the steps of the method of any one of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211536640.5A CN115983963A (en) | 2022-12-02 | 2022-12-02 | Third-party platform business processing method and device based on bank-enterprise direct connection |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211536640.5A CN115983963A (en) | 2022-12-02 | 2022-12-02 | Third-party platform business processing method and device based on bank-enterprise direct connection |
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| CN115983963A true CN115983963A (en) | 2023-04-18 |
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| CN202211536640.5A Pending CN115983963A (en) | 2022-12-02 | 2022-12-02 | Third-party platform business processing method and device based on bank-enterprise direct connection |
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| Country | Link |
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| CN (1) | CN115983963A (en) |
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- 2022-12-02 CN CN202211536640.5A patent/CN115983963A/en active Pending
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