CN116385181A

CN116385181A - Business transaction method, system, storage medium and electronic equipment

Info

Publication number: CN116385181A
Application number: CN202310160853.0A
Authority: CN
Inventors: 谢红跃
Original assignee: Bank of China Financial Technology Co Ltd
Current assignee: Bank of China Financial Technology Co Ltd
Priority date: 2023-02-23
Filing date: 2023-02-23
Publication date: 2023-07-04

Abstract

The application discloses a business transaction method, a system, a storage medium and electronic equipment, wherein the method comprises the following steps: determining a transaction type and a service execution system corresponding to the current transaction request; generating a request message based on the transaction data in the current transaction request and the data demand list of the transaction type; the request message is sent to the service execution system, and a response message sent by the service execution system is received; determining an execution result of the current transaction request based on the response message; wherein the response message is generated based on the data demand list and the request message; the data demand list is determined based on common data items required by each business execution system to execute the corresponding business of the business type. The method and the system can realize the butt joint of the business transaction system and each business execution system to finish business transaction, and improve business transaction efficiency.

Description

Business transaction method, system, storage medium and electronic equipment

Technical Field

The present application relates to the field of computer technologies, and in particular, to a business transaction method, a system, a storage medium, and an electronic device.

Background

In business processes, a business transaction system typically requires interfacing with multiple business execution systems. For example, in performing insurance business transactions using a bank-based insurance system, the bank-based insurance system (business transaction system) needs to interface with several tens of insurance company systems (business execution systems). Because each business execution system is slightly different, when the business transaction system is used for transaction, customized code development is required for different business execution systems, so that the complexity of the whole business transaction system is higher, and the development process is complicated.

Therefore, how to efficiently interface the business transaction system with the plurality of business execution systems to complete the business transaction is a technical problem to be solved in the industry.

Disclosure of Invention

The application provides a business transaction method, a system, a storage medium and electronic equipment, which are used for solving the technical problem of how to enable a bank-based insurance system to be in butt joint with different insurance company systems so as to complete business transaction in the prior art.

In a first aspect, the present application provides a business transaction method, including:

determining a transaction type and a service execution system corresponding to the current transaction request;

generating a request message based on the transaction data in the current transaction request and the data demand list of the transaction type;

the request message is sent to the service execution system, and a response message sent by the service execution system is received;

determining an execution result of the current transaction request based on the response message;

wherein the response message is generated based on the data demand list and the request message; the data demand list is determined based on common data items required by each business execution system to execute the corresponding business of the business type.

In some embodiments, after determining the execution result of the current transaction request based on the response message, the method further includes:

generating account checking files of each business execution system based on the transaction data of the target business in a preset time period;

sending the reconciliation file to a business execution system corresponding to the reconciliation file;

and receiving the reconciliation result sent by the business execution system.

In some embodiments, the data requirements list is determined based on the steps of:

determining each business execution system which executes the corresponding transaction of the transaction type;

acquiring data items required by each business execution system when executing the transaction;

analyzing the data items to obtain common data items required by each business execution system when executing the transaction;

based on the common data item, a data requirements list of the transaction type is generated.

In some embodiments, the format of the request message and the response message are both XML formats.

In some embodiments, the target business comprises an insurance business;

the transaction type comprises at least one of a guarantee Fei Shisuan, a payment bill, a repayment of the guarantee bill, a withdrawal of the current day contract, a renewal payment inquiry and withdrawal, renewal payment, a expiration payment trial and an expiration payment confirmation.

In a second aspect, the present application provides a business transaction system, comprising:

the business processing module is used for determining the transaction type and the business execution system corresponding to the current transaction request; generating a request message based on the transaction data in the current transaction request and the data demand list of the transaction type; determining an execution result of the current transaction request based on the response message;

the front-end communication module is used for sending the request message to the service execution system and receiving the response message sent by the service execution system;

wherein the response message is generated based on the data demand list and the request message; the data requirements list is determined based on common data items required by the respective business execution systems to execute corresponding ones of the transaction types.

In some embodiments, the pre-communication module is disposed in a network isolation area of the service transaction system, and is further configured to perform traffic management and data format conversion on each service execution system.

In some embodiments, the system further comprises:

and the service management module is connected with the service processing module and is used for carrying out parameter configuration on the service processing module based on the service information of each service execution system.

In a third aspect, the present application provides a computer-readable storage medium comprising a stored program, wherein the program when run performs the method described above.

In a fourth aspect, the present application provides an electronic device comprising a memory having a computer program stored therein and a processor arranged to implement the above-described method when the program is executed by the computer program.

According to the business transaction method, the system, the storage medium and the electronic equipment, according to the common data items required by each business execution system when executing the corresponding transaction of each transaction type, the data demand list of each transaction type can be obtained and is universal in the transaction of the same transaction type, and even if a new business execution system is added, the transaction can be carried out only by determining the data demand list corresponding to the transaction type when carrying out the business transaction, and the development of the system is not required; and generating a request message through the transaction data in the current transaction request and the data demand list of the transaction type, and generating a response message through the data demand list and the request message, so that the generated request message and the response message can be transmitted between a service transaction system and a plurality of service execution systems, the service transaction system can be in butt joint with different service execution systems to complete service transaction, and the service transaction efficiency is improved.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.

In order to more clearly illustrate the technical solutions of the present application or the prior art, the following description will briefly introduce the drawings used in the embodiments or the description of the prior art, and it is obvious that, in the following description, the drawings are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

Fig. 1 is a flow chart of a business transaction method according to an embodiment of the present application;

FIG. 2 is a schematic diagram of a business transaction system according to one embodiment of the present application;

FIG. 3 is a schematic diagram of a business transaction system according to another embodiment of the present application;

fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.

It should be noted that the terms "comprises" and "comprising," along with any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or modules is not necessarily limited to those steps or modules that are expressly listed or inherent to such process, method, article, or apparatus, but may include other steps or modules not expressly listed.

In the technical scheme of the application, the related processes of personal information collection, storage, use, processing, transmission, provision, disclosure and the like all accord with the regulations of related laws and regulations, necessary security measures are adopted, and the public order harmony is not violated.

The business transaction method provided by the embodiment of the application is suitable for a terminal, and the terminal can be various electronic devices with a display screen and supporting web browsing, including but not limited to a server, a smart phone, a tablet computer, a laptop portable computer, a desktop computer and the like.

Fig. 1 is a flow chart of a business transaction method according to an embodiment of the present application, and as shown in fig. 1, the method includes

steps

110, 120, 130, and 140. The method flow steps are only one possible implementation of the present application.

Step 110, determining the transaction type and the service execution system corresponding to the current transaction request.

Specifically, the execution subject of the business transaction method provided in the embodiment of the present application is a business transaction system. For example, the target service is insurance service, the service transaction system is a bank-based insurance system, and the user can search for the insurance service through the touch screen at the search interface of the system.

And when the current transaction request is the operation of the business transaction system monitoring the user to initiate business transaction, the generated business transaction request.

For example, the bank-based insurance system generates a current transaction request according to the operation of the user after monitoring the operation of clicking the purchase insurance by the user.

The current transaction request includes user information and transaction data. The user information is information capable of proving the identity of the user, and can be account information used when the user logs in the business transaction system, wherein the account information can comprise telephone information, identity card information, bank account information and the like of the user. The transaction data may be an insurance company code where the insurance purchased by the user is located, the type of insurance purchased, the amount of insurance, the time of purchase, and the like.

And analyzing the current transaction request to determine the transaction type and the service execution system corresponding to the current transaction request.

Business transactions may be categorized according to different properties of the transactions, resulting in various transaction types, e.g., insurance business may be categorized into premium trial runs, purchase insurance, insurance queries, etc.

Wherein the business execution system is a system for executing transaction tasks. For example, the target service is an insurance service, and the service execution system is an insurance service system of an insurance company to which the insurance service belongs.

Step 120, generating a request message based on the transaction data in the current transaction request and the data demand list of the transaction type. The data requirements list is determined based on common data items required by the respective business execution systems to execute the corresponding transaction of the transaction type.

Specifically, the data demand list is a data list required for performing the current transaction, that is, only the data in the data demand list is acquired to complete the current transaction.

Because the common data items required by the transactions of different transaction types may have differences, the current transaction type needs to be determined, and then the common data items required by each business execution system when executing the corresponding transaction of the transaction type are determined, and a data demand list is generated through the common data items.

After determining the data demand list of the transaction type, a request message can be generated according to the transaction data in the current transaction request and the data demand list of the transaction type.

The request message comprises transaction data, a message transmission mode, user information and the like, and is used for providing related data of the transaction for the service execution system so that the service execution system can execute the transaction.

And 130, sending the request message to the service execution system and receiving the response message sent by the service execution system. Wherein the response message is generated based on the data demand list and the request message.

Specifically, the service transaction system can send the request message to the service execution system through the front-end processor, the service execution system analyzes the request message and executes the service transaction, and after the service transaction execution is finished, the service execution system can generate a response message according to the data demand list.

The service execution system can send the response message to the service transaction system through the front end processor.

And 140, determining the execution result of the current transaction request based on the response message.

Specifically, the response message includes response information, transaction credentials, a message transmission mode, and the like. The response information includes the execution result of the current transaction request.

The business transaction system analyzes the received response message and can obtain the execution result of the current transaction request. The execution results include executed and execution failure. When the execution result is executed, the execution result also comprises transaction amount, transaction certificate, service effective time, service termination time and the like. And the business transaction system carries out business transaction according to the execution result.

According to the business transaction method provided by the embodiment of the application, according to the common data items required by each business execution system when executing the corresponding business of each business type, the data demand list of each business type can be obtained and is universal in the business of the same business type, and even if a new business execution system is added, the business can be carried out by only determining the data demand list corresponding to the business type when carrying out the business transaction, and the development of the system is not required; and generating a request message through the transaction data in the current transaction request and the data demand list of the transaction type, and generating a response message through the data demand list and the request message, so that the generated request message and the response message can be transmitted between a service transaction system and a plurality of service execution systems, the service transaction system can be in butt joint with different service execution systems to complete service transaction, and the service transaction efficiency is improved.

It should be noted that each embodiment of the present application may be freely combined, permuted, or executed separately, and does not need to rely on or rely on a fixed execution sequence.

In some embodiments, after step 140, the method further comprises:

sending the account checking file to a business execution system corresponding to the account checking file;

and receiving the account checking result sent by the business execution system.

Specifically, the target service is a service that the user wants to conduct a service transaction. The target business may include an insurance business; the transaction type may include at least one of a guarantee Fei Shisuan, a pay order, a contract withdrawal on the day, a renewal payment inquiry refund, a renewal payment, an expiration payment trial, and an expiration payment confirmation.

For example, transaction types include premium trial and renewal payments. The premium trial calculation is used for inquiring how much premium is needed for purchasing the target insurance for the user; the renewal payment is that the target insurance has expired, and the user wants to continue to purchase the target insurance and renews the target insurance.

Transaction data of a target service within a preset time period is recorded in a reconciliation file generated by the service transaction system and is used for batch reconciliation by the service execution system. The preset time period may be set according to the specific case. For example 6 a.m. to 12 a.m..

For example, the business transaction system is a bank-based insurance system, and the business execution system is an insurance business system of an insurance company. The bank reimbursement insurance system generates a reconciliation file for each insurance service system before 12 pm every day. The account checking file naming mode can be as follows: defined reconciliation code + insurance company code + bank code + reconciliation date. Txt. The first behavior file head in the account checking file records the summarized data of business transactions in a preset time period, for example, the summarized data of business transactions on the same day, including the total number of the transactions of the target business and the total amount of the transactions, and each other row records one insurance application record. The form of the account checking file is a fixed-length form, if the number of field digits in the account checking file is insufficient, the amount is added with zero before the amount, and the space is added after the characters.

The reconciliation document generated by the business transaction system is shown in table 1 below:

table 1 day end account checking table template

After the business transaction system generates the reconciliation file, the reconciliation file can be placed in a designated directory of the front-end processor, each business execution system can acquire the reconciliation file in the designated directory of the front-end processor of the bank according to a file transfer protocol (File Transfer Protocol, FTP), and each business execution system performs reconciliation according to records in the reconciliation file and generates a reconciliation result. And each business execution system can place the checking result in the appointed catalogue of the front-end processor according to the FTP, and the business transaction system can acquire the checking result through the front-end processor.

Alternatively, the business execution system may also generate a reconciliation document that is different from the reconciliation document generated by the business transaction system.

For example, the business transaction system is a bank-based insurance system, and the business execution system is an insurance business system of an insurance company. The insurance business system generates a reconciliation file before 12 points at night on the same day, wherein the reconciliation file comprises the refund data and the expiration date payment data. The account checking file naming mode can be as follows: the reconciliation code defined herein is different from the reconciliation code defined in the reconciliation document name generated by the banking and marketing insurance system described above. The first row of the account checking file is a file header, the rest rows of the account checking file are recorded with a refund or expiration record, the format of the account checking file is a fixed-length format, if the number of field digits in the account checking file is insufficient, the amount of money is zero-filled before, and the space is filled after characters. If the current day insurance service system does not conduct the refund transaction or does not have expiration data, the insurance service system is required to provide a reconciliation file, and only the file header is arranged in the file.

The reconciliation file generated by the insurance business system is shown in table 2 below:

table 2 day end account checking table template

The insurance business system sends the generated account checking file to a bank sales insurance system, the bank sales insurance system checks account according to the account checking file and generates two result files before 00:30 in the next morning, one is a successful processing result file, and a transaction record of successful processing is stored in the file; one is a processing failure result file in which a transaction record of processing failure is saved. These two files may be placed in a designated directory of the front-end processor.

According to the business transaction method provided by the embodiment of the application, the account checking files of each business execution system are generated through the transaction data of the target business in the preset time period, so that the business execution systems can timely check accounts, and account checking results are output; in addition, the business execution system can also generate a reconciliation file about the refund and the expiration payment for the business transaction system to perform reconciliation processing, so that the success rate of the transaction and the accuracy of recorded data are improved.

determining each business execution system for executing the corresponding transaction of the transaction type;

acquiring data items required by each business execution system when executing transactions;

a data requirements list is generated based on the common data items.

Specifically, in order to make the data requirement list be a data requirement list that is common between the business transaction system and each business execution system, each business execution system that has executed the transaction corresponding to the current transaction type needs to be determined, and the data items required when each business execution system executes the transaction of this type need to be acquired.

The business transaction system analyzes all the acquired data items to obtain common data items used by each business execution system when executing the transaction corresponding to the transaction type. A data requirements list for the transaction type may be generated based on the common data item.

According to the business transaction method provided by the embodiment of the application, the common data item is determined, and the columns of the request message and the response message can be defined according to the common data item, so that the request message and the response message can be transmitted between the business transaction system and each business execution system.

Specifically, the formats of the request message and the response message in the embodiment of the application are XML formats, and the request message and the response message can be encoded according to the Chinese character inner code extension specification (GBK).

The request message and the response message both comprise a plurality of data packets, and the basic format of the data packets can be as follows: message length (8 bits) +message body, wherein the message length represents the actual length of the message body, and the message length can be set to 8 bits; the message is filled in a right alignment and left complement '0' mode.

Taking a transaction type as a payment bill as an example, a request message template of the transaction type is shown in the following table 3:

table 3 request report Wen Moban for payment and order

The response message templates corresponding to the request messages of the payment bill are shown in the following table 4:

table 4 response report Wen Moban of pay order

The business transaction system provided in the embodiments of the present application is described below, and the business transaction system described below and the business transaction method described above may be referred to correspondingly.

Fig. 2 is a schematic structural diagram of a service transaction system according to an embodiment of the present application, and as shown in fig. 2, the system includes a service processing module 210 and a front-end communication module 220.

The business processing module is used for determining the transaction type and the business execution system corresponding to the current transaction request; generating a request message based on transaction data in the current transaction request and a data demand list of transaction types; determining an execution result of the current transaction request based on the response message;

the front communication module is used for sending the request message to the service execution system and receiving the response message sent by the service execution system;

wherein, the response message is generated based on the data demand list and the request message; the data demand list is determined based on common data items required by each of the business execution systems to execute a transaction corresponding to the transaction type.

In particular, according to embodiments of the present application, the service processing module and the front-end communication module may be combined and implemented in one module, or any one of the modules may be split into a plurality of modules.

Alternatively, at least some of the functionality of one or more of the modules may be combined with at least some of the functionality of other modules and implemented in one module.

According to embodiments of the present application, at least one of the traffic processing module and the pre-communication module may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or in hardware or firmware, such as any other reasonable way of integrating or packaging the circuits, or in any one of or a suitable combination of three of software, hardware, and firmware.

Alternatively, at least one of the traffic handling module and the pre-communication module may be at least partly implemented as a computer program module which, when run, performs the corresponding functions.

According to the business transaction system provided by the embodiment of the application, according to the common data items required by each business execution system when executing the corresponding transaction of each transaction type, the data demand list of each transaction type can be obtained and is universal in the transaction of the same transaction type, and even if a new business execution system is added, the business can be carried out only by determining the data demand list corresponding to the transaction type when carrying out the business transaction, and the development of the system is not required; and generating a request message through the transaction data in the current transaction request and the data demand list of the transaction type, and generating a response message through the data demand list and the request message, so that the generated request message and the response message can be transmitted between a service transaction system and a plurality of service execution systems, the service transaction system can be in butt joint with different service execution systems to complete service transaction, and the service transaction efficiency is improved.

In some embodiments, the front-end communication module is disposed in a network isolation area of the service transaction system, and is further configured to perform traffic management and data format conversion on each service execution system.

Specifically, the network isolation area is used for solving the problem that an access user of an external network cannot access an internal network server after the firewall is installed. The network isolation area can realize the separation of the internal network and the external network, and meets the safety requirement of the system.

In the embodiment of the application, the service transaction system is arranged on the internal network server, the service execution system is an access user of the external network, and the front communication module is arranged in a network isolation area of the service transaction system in order to improve communication safety between the service transaction system and the service execution system. The business transaction system and the business execution system communicate through a front-end communication module.

The front-end communication module can be used for carrying out flow management on each service execution system. For example, the front-end communication module may set a message queue, may store the request message sent by the service transaction system in the message queue, and the service execution system may sequentially fetch the request message from the message queue.

The front-end communication module can also be used for converting data formats of data transmitted between the business transaction system and the business execution system.

According to the business transaction system provided by the embodiment of the application, the front communication module is arranged in the network isolation area of the business transaction system, so that the safety of data transmission between the business transaction system and the business execution system can be improved; the front communication module can also carry out flow management and data format conversion on each service execution system, so that the efficiency of service transaction is improved.

In some embodiments, the above system further comprises: the service management module is connected with the service processing module and is used for carrying out parameter configuration on the service processing module based on the service information of each service execution system.

Specifically, when a new service is added or a new service is reduced in each service execution system, the service information is changed, so that the service management module can enable the service transaction system to access the new service or access the new service execution system in a parameter configuration mode in order to enable the transaction process to be carried out smoothly.

According to the business transaction system provided by the embodiment of the application, the business transaction system can be accessed to a new business or a new business execution system in a parameter configuration mode by arranging the business management module, so that the business transaction efficiency is improved.

In some embodiments, the service processing module is further configured to generate a reconciliation file of each service execution system based on the transaction data of the target service within the preset time period; sending the account checking file to a business execution system corresponding to the account checking file; and receiving the account checking result sent by the business execution system.

In some embodiments, the service processing module is further configured to determine each service execution system that has executed a transaction corresponding to the transaction type; acquiring data items required by each business execution system when executing transactions; analyzing the data items to obtain common data items required by each business execution system when executing the transaction; a data requirements list is generated based on the common data items.

It should be noted that, in the service transaction system provided in this embodiment of the present application, all the method steps implemented in the foregoing service transaction method embodiment may be implemented, and the same technical effects may be achieved, and detailed descriptions of the same parts and beneficial effects as those in the method embodiment in this embodiment are omitted.

Fig. 3 is a schematic structural diagram of a business transaction system according to another embodiment of the present application, where, as shown in fig. 3, the business transaction system is a bank-based insurance system, and the front-end communication module includes a front-end processor, and the business execution system is an insurance business system.

One end of the bank sales insurance system is connected with the channel end, and the other end is connected with the insurance company end; the channel end comprises mobile banking software, online banking software and third party access software; the bank sales insurance system belongs to an intranet zone and comprises a service processing module, a service management module and a front-end processor, wherein the service processing module is connected with the service management module and the front-end processor; the insurance company end belongs to an external network area and comprises various insurance service systems.

According to the security requirements, the bank's sales insurance system must be connected to external systems (insurance business systems) through a pre-installed system deployed in the isolation zone (demilitarized zone, DMZ). Therefore, the business transaction system and each business execution system are in butt joint through the front-end processor. The front end processor is responsible for data format conversion, traffic management and forwarding the request message to the insurance service system.

The bank reimbursement insurance system and each insurance business system communicate by means of a SOCKET (SOCKET) of a transmission control protocol/internet protocol (Transmission Control Protocol/Internet Protocol, TCP/IP), and the connection mode is short connection.

The service execution system of the embodiment of the application may execute the following steps:

and 1, maintaining parameters such as public account information and the like of a newly-docked insurance service system of a bank replacement insurance system through a service management module. And maintaining parameters such as basic information, various rates and the like of the new business of the insurance business system.

And 2, initiating transactions such as bill application, insurance payment trial calculation, payment and bill discharging, day contract withdrawal, renewal payment, refund/expiration payment and the like through the channel end and sending a current transaction request to the service processing module. The channel end is a program end for a user to initiate a transaction request.

And step 3, the service processing module sends a request message generated according to the current transaction request and the data demand list to the front-end processor, and the service processing module defines an interface format of the request message according to the transaction type, wherein the transmission mode of the request message is that a bank is used for selling an insurance system to an insurance service system. The service processing module defines a field column of the request message corresponding to the standardized specification according to the data demand list of the current transaction type.

And 4, opening special lines for connecting the front-end processor by each insurance service system, carrying out system butt joint according to the defined standardized request message, response message and batch transaction message interfaces, and carrying out transmission processing of the request message, the response message and the account checking file by the service processing module and the insurance service system through the front-end processor.

And step 5, the insurance service system returns a standardized response message to the front-end processor, and the transmission mode of the response message is that the insurance service system transmits to the bank replacement insurance system. The service processing module defines a field column of a corresponding standardized response message according to the data demand list of the current transaction type.

And 6, the front-end processor returns the response message to the service processing module for service transaction.

And 7, the business processing module returns the transaction processing result to the channel end for the user to inquire.

And 8, generating daily final batches, placing the daily account checking files in the appointed catalogues of the front-end computers by the service processing module, and acquiring the account checking files by each insurance service system according to the FTP to the appointed catalogues of the front-end computers.

And 9, daily end batch, each insurance business system generates a reconciliation file about refund and expiration payment, and sends the reconciliation file to a designated directory of the front-end processor according to the FTP. And the business processing module performs batch processing on account files according to the FTP extraction.

According to the business transaction method provided by the embodiment of the application, the business processing module is responsible for processing business functions such as new single-throw insurance payment trial calculation, payment bill, current day contract withdrawal, renewal payment, refund/expiration payment and the like, a set of well-defined standardized request message, response message and batch transaction message interfaces are provided, a front-end processor is responsible for format conversion and communication forwarding of messages, and the front-end processor is used for realizing butt joint of a bank reimbursement insurance system and each insurance company system. The service management module is used for protecting the new insurance service system parameters, new insurance service system products, service parameters, switching parameters and other service parameters, and after the related service parameters are maintained, the products of the insurance service system can conduct service transaction through the bank replacement insurance system, so that seamless connection of the system is realized.

Fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present application, as shown in fig. 4, the electronic device may include: processor (Processor) 410, communication interface (Communications Interface) 420, memory (Memory) 430, and communication bus (Communications Bus) 440, wherein Processor 410, communication interface 420, memory 430 complete communication with each other via communication bus 440. The processor 410 may invoke logic commands in the memory 430 to perform a business transaction method comprising:

generating a request message based on transaction data in the current transaction request and a data demand list of transaction types;

the request message is sent to a service execution system, and a response message sent by the service execution system is received;

wherein, the response message is generated based on the data demand list and the request message; the data demand list is determined based on the common data items required by each business execution system to execute the corresponding business of the business type.

In addition, the logic commands in the memory described above may be implemented in the form of software functional modules and stored in a computer readable storage medium when sold or used as a stand alone product. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art or in a part of the technical solution, in the form of a software product stored in a storage medium, comprising several commands for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.

The processor in the electronic device provided by the embodiment of the present application may call the logic instruction in the memory to implement the above method, and the specific implementation manner of the processor is consistent with the implementation manner of the foregoing method, and may achieve the same beneficial effects, which are not described herein again.

The present application also provides a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, is implemented to perform the methods provided by the above embodiments.

The specific embodiment is consistent with the foregoing method embodiment, and the same beneficial effects can be achieved, and will not be described herein.

Embodiments of the present application provide a computer program product comprising a computer program which, when executed by a processor, implements a method as described above.

The system embodiments described above are merely illustrative, in which the modules illustrated as separate components may or may not be physically separate, and the components shown as modules may or may not be physical, i.e., may be located in one place, or may be distributed over a plurality of network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.

From the above description of the embodiments, it will be apparent to those skilled in the art that the embodiments may be implemented by means of software plus necessary general hardware platforms, or of course may be implemented by means of hardware. Based on this understanding, the foregoing technical solution may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a computer readable storage medium, such as ROM/RAM, a magnetic disk, an optical disk, etc., including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method described in the respective embodiments or some parts of the embodiments.

Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present application, and are not limiting thereof; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the corresponding technical solutions.

Claims

1. A business transaction method, comprising:

2. The business transaction method according to claim 1, wherein after determining the execution result of the current transaction request based on the response message, the method further comprises:

and receiving the reconciliation result sent by the business execution system.

3. The business transaction method according to claim 2, wherein the data demand list is determined based on the steps of:

the data requirements list is generated based on the common data items.

4. The business transaction method according to claim 1, wherein the formats of the request message and the response message are XML formats.

5. The business transaction method according to claim 2, wherein the target business comprises an insurance business;

6. A business transaction system, comprising:

7. The business transaction system according to claim 6, wherein the pre-communication module is disposed in a network isolation area of the business transaction system and is further configured to perform traffic management and data format conversion for each business execution system.

8. The business transaction system according to claim 6, wherein the system further comprises:

9. A computer-readable storage medium, characterized in that the computer-readable storage medium comprises a stored program, wherein the program when run performs the business transaction method of any one of claims 1 to 5.

10. An electronic device comprising a memory and a processor, characterized in that the memory has stored therein a computer program, the processor being arranged to execute the business transaction method of any of claims 1 to 5 by means of the computer program.