CN1588840A - Communication method and system basenon vertual link customer terminal and bank network - Google Patents

Communication method and system basenon vertual link customer terminal and bank network Download PDF

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Publication number
CN1588840A
CN1588840A CN 200410070782 CN200410070782A CN1588840A CN 1588840 A CN1588840 A CN 1588840A CN 200410070782 CN200410070782 CN 200410070782 CN 200410070782 A CN200410070782 A CN 200410070782A CN 1588840 A CN1588840 A CN 1588840A
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bank
user
user side
client
server
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CN100397812C (en
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纪梅丽
苏文力
鲁小涛
陈昭旭
童玲
李秀生
王怡
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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Abstract

A communication method and a system for the customer end and the bank network based on a virtual link is to add a customer end safety service platform and a bank end ciphered server between the user financial system and the bank service system. The user terminal operates the financial system sending the transition requirement asking to be synchronized with the bank data to the platform of the user end which receives the requirement to be ciphered and sent to the bank end cipher server which deciphers and sends it to the back server set for process and refreshes the database then returns the processed result to the user end and process the financial system and the database correspondingly.

Description

A kind of based on the client of virtual link and the communication means and the system of bank's net
Technical field
The present invention relates to network technology, it is particularly related to about based on network transfer of financial resources financial data and handles and safety system, is a kind of based on the client of virtual link and the communication means and the system of bank's net concretely.
Background technology
Along with The development in society and economy, the dealing of the business of enterprise and interbank is more and more frequent, system based on banker's check or inter bank transfer, want the party to handle relevant formality to bank in person, and relate to requestee and payee will show its bank account at least to other party details.For example, the recipient of check can see payment person's bank account and the contact information on the check, and by inter bank transfer, recipient/payee must provide their accounts information to sender/requestee.In global environment, two parties may never meet, and sharing such information is enough to cause party's worry.A kind of professional fast and easily dealing mode of these needs of just having to is so PC bank and online-banking have just occurred thereupon.
A kind of online bank service that PC banking is meant, people's software kit of packing in the PC of oneself, these softwares can be used for operating and show original account data from bank.Software can freely obtain from bank, perhaps buys from retail shop, and its type has Quicken, personal finance (PFM) softwares such as Managing YourMoney of the Money of Microsoft or Mei Ka company.Yet the birth of Internet bank's business finished one very little be the transformation of essence.Though the two all is at the Desktop Computing hands-operation.The software of operational network bank is not mounted among user's the PC, but in the webserver of bank.Its benefit is huge: the manufacturer of bank or PFM does not just need whenever program one upgrading, has just sent the new software kit of a cover from door to door.Clients can be in the world Anywhere near its account, as long as find the interface of an internet just passable, rather than as original, only in that local acceptance service at the PC place that software is housed.But there is very big hidden danger in such Internet bank in fail safe, and concerning the more frequent enterprise-class tools of some transfer of financial resources, the Internet bank and the financial software of oneself can not be synchronously more new data also be very inconvenient and dangerous.
And present enterprise of the Internet bank can only pass through the browser logging in to online banks, inquiry in browser, account transfer, and then the financial system that goes to enterprise carries out respective record.During this period, part work is repeated, but also operating mistake may occur, causes the account of bank and enterprise inconsistent, and has very big hidden danger on safety, and has influenced the ease for use of financial system greatly.So need a kind of realization enterprise that can be safe in the account of bank and the financial system unified method and the system of enterprise self.
Summary of the invention
The objective of the invention is to, provide a kind of based on the client of virtual link and the communication means and the system of bank's net, financial system to existing user is only done simple transformation, content with the financial software account of the bank account and user oneself that realize active user is consistent, avoided repeating work, with the faulty operation that when repeating work, may occur, and improved the ease for use of financial system greatly.
Technical scheme of the present invention is:
A kind of based on the client of virtual link and the communication means of bank's net, between user's financial system and banking system, add a user end security service platform and bank end encryption server;
The course of work that described terminal and bank carry out business contact is as follows:
User side operation user financial system, need mail to this financial system the safety service platform of user side with the synchronous transaction request of bank data, described user end security service platform receives this transaction request, through delivering to described bank end encryption server after encrypting, issue after the deciphering of bank end encryption server that the background server group is handled and new database more, the result who handles returns and user side financial system and database thereof is correspondingly processed to user side, has so just realized the unification and the safety of user side financial data and bank's end data.
The work of described user end security service platform comprises the encryption and the signature/verification of customer transaction request.
When the user side financial software was submitted transaction request to bank, after the encryption port of the safety service platform of user side sent request, receives request, the safety service platform of user side used enterprise's certificate conversion request data packet format to mail to bank's end encryption server; If desired some transaction data is signed, then the user side financial software mails to signed data the signature/verification port of the safety service platform of user side earlier, receive the signature result of this port then, the transaction request that will comprise signing messages afterwards again mails to the encryption port, so just set up an escape way, thereby finished whole transaction request process.
Described encryption port and signature/verification port are server independently.
Described encryption port and signature/verification sets of ports are formed on the station server.
The user side financial system sends request according to the http agreement to safety service platform.
The form of described conversion request packet is meant that the http request package that will receive converts the https request package to.
Issue after the end encryption server deciphering of described bank that the background server group is handled and more new database be meant that this user carries out inquiry into balance to this user's bank account, the detailed inquiry on the same day of single account, the historical detailed inquiry of single account, account fund inside transfers, externally transferring of account fund, after the instruction inquiry of transferring accounts waits operation, upgrade the banking data base of the account.
Result after the described processing to user side return and operations such as being meant the user transfers accounts to its place bank account, inquiry that user side financial system and database thereof be correspondingly processed after, upgraded the database of financial software that the user uses, consistent with the account content that financial software was write down that keeps the user with this user's bank account content.
Result after the described processing returns the escape way of setting up when employed network channel sends information for the user to user side.
A kind of communication system of netting based on the client and the bank of virtual link comprises the user side financial system, and banking system adds a user end security service platform and bank end encryption server between user side financial system and banking system;
Described user side financial system and described user end security service platform pass through net connection;
Described user end security service platform and described bank end encryption server pass through net connection;
Described bank end encryption server and described banking system pass through net connection;
User side operation financial system, need mail to this financial system the safety service platform of user side with the synchronous transaction request of bank data, described user end security service platform receives this transaction request, through delivering to described bank end encryption server after encrypting, issue after the deciphering of bank end encryption server that the background server group is handled and new database more, the result who handles returns and user side financial system and database thereof is correspondingly processed to user side, has so just realized the unification and the safety of user side financial data and bank's end data.
Described family end safety service platform comprises encryption device, and the signature/verification device is encrypted port, the signature/verification port;
When the user side financial software was submitted transaction request to bank, after the encryption port of the safety service platform of user side sent request, receives request, encryption device used enterprise's certificate conversion request data packet format to mail to bank's end encryption server; If desired some transaction data is signed, then the user side financial software mails to signed data the signature/verification port of signature/verification device earlier, receive the signature result of this port then, the transaction request that will comprise signing messages afterwards again mails to the encryption port, so just set up an escape way, thereby finished whole transaction request process.
Described encryption device and signature/verification device are server independently, and described encryption port and signature/verification port all are positioned on the corresponding server.
Described encryption device and signature/verification device all are integrated on the station server, and described encryption port and signature/verification port all are positioned on this server.
Described transaction request comprises: inquiry into balance, the detailed inquiry on the same day of single account, the historical detailed inquiry of single account, account fund inside transfers, externally transferring of account fund, the instruction inquiry of transferring accounts waits operation, upgrades bank's client database and user side database after operation is finished.
Described network is a private line network.
Described network is a Wide Area Network.
Beneficial effect of the present invention is to provide a kind of communication means and system of netting based on the client and the bank of virtual link, and realization enterprises financial system that can be real-time is consistent with bank account, has simplified operation and has improved financial confidence in security.
Description of drawings
Fig. 1 is a system construction drawing of the present invention;
Fig. 2 is a flow chart of the present invention;
Fig. 3 is the schematic diagram of the specific embodiment of the invention;
Fig. 4 is the present invention's function executing process schematic diagram of transferring accounts.
Embodiment
Below in conjunction with description of drawings the specific embodiment of the present invention.
The invention provides the channel of user by financial system visit bank system of web, enterprise can carry out business such as the inquiry of account balance, detail and single command status and account transfer.Bank provide the required various atoms transaction of system as: account transfer, inquiry into balance, detailed inquiry, account transfer instruction inquiry etc., the client carries out professional separately transaction control and combination as required, satisfies its different needs.
The NetSafe Client that the user side submits to http to ask bank to provide is connected to banking system by NetSafeClient by safety https agreement again, finishes the service request process; Bank returns execution result after carrying out Business Processing.
The user uses the present invention, handle relevant registration formality as the common net client that goes to bank, and examine the neck certificate.
When the user carried out transfer transactions, if relate to licensing process, the user need finish in own system.The payment instruction that Web bank submits the user to is used as final account transfer instruction, checks the directly account transfer of the errorless back of limit.
System of the present invention carries out various validity checkings according to the certificate ID that submits instruction to after receiving dependent instruction, submitted to instruction to operate in the authority allowed band to guarantee.
As shown in Figure 1, concrete workflow of the present invention is: the user operates on financial software, the NetSafe Client software that financial software submits to http to ask bank to provide, be connected to banking system by NetSafeClient by safety https agreement again, operation system is operated in conjunction with banking data base, finishes the service request process; Bank returns execution result after carrying out Business Processing.
The user is mail to user terminal security server (NetSafe Client) with transaction request, NetSafeClient receives transaction request (http mode), be sent to bank's encryption server end (NetSafe Server) through encrypting back (https mode), issue background server group (database) after the bank server deciphering and handle also return results.Like this, between user terminal and the WEB of bank server, be equivalent to set up the virtual link of a http.
The user terminal security server is called NetSafe Client.It has two ports that can dispose to be respectively applied for encryption and signs/test and sign service, and as shown in Figure 2, wherein 1 for encrypting port, and 2 for signing/test the label port.
Give an example as the user with enterprise now, explain several nouns:
Enterprise's certificate: reference number and the authorization code issued by bank management system when enterprise's certificate of bank is meant and opens an account according to the enterprise customer, holding the enterprise customer to obtain after asking and import on the NetSafe Client, is the certificate file of certificate ID with enterprise customer's code.Each enterprise customer has only unique enterprise's certificate.
Certificate private key: private key file that produce, corresponding with certificate when request and importing certificate.Private key is that the enterprise customer is exclusive, and all data banks that use enterprise's private key to sign are thought believable, simultaneously the authenticity of data after the also undeniable use private key signature of enterprise.Certificate private key should properly be preserved.
Cryptographic certificate: cryptographic certificate is the protection password (disk certificate) or the PIN code (intellective IC card) of enterprise customer's enterprise's private key of asking on NetSafe Client and being generated when importing certificate; only hold the operation that this password person could use private key to be correlated with, as using private key signature etc.
During concrete the use, when enterprise customer's terminal is submitted transaction request to bank, can send request to the port one of NetSafe Client according to the http agreement.After receiving request, NetSafe Client uses enterprise's certificate to convert the http request package to the https request package and mails to bank's encryption server; If desired some transaction data is signed, then enterprise customer's terminal needs earlier signed data to be mail to port 2, the signature result of receiving port 2 then, and the transaction request that will comprise signing messages afterwards again mails to port one and finishes whole transaction request process.
For simplicity, two serve ports of NetSafe Client logically can be called two-server, the encryption server of NetSafe Client and signature server.
The such design of the present invention can reach good fail safe, the transaction data that enterprise submits to bank, must be undertaken by the NetSafe Client of enterprise side and being connected of bank server, after interface is determined to form the predetermined data packet format after the data that need sign also must be signed by the signature server of NetSafe Client, submit bank to by NetSafe Client, can guarantee that like this business data and relevant information are not maliciously tampered;
Data all are responsible for forwarding by NetSafe Client, the bank's access server that NetSafe Client is become be erected at the enterprise scene.And being connected of safety between enterprise and the bank guaranteed by NetSafeClient and bank safety acting server NetSafe;
Bank receives after enterprise submits the transaction data come to, needs the digital signature of deciphering and checking enterprise, palms off the behavior of enterprise to prevent the third party.
Equally, the present invention such design has guaranteed simultaneously that also bank holds the security reliability of transmission data to the enterprise customer, the escape way of setting up when the object information that bank sends to enterprise sends information by the client returns to the client, can guarantee the fail safe of object information equally; Need the data of signature can use bank's private key signature, guarantee can not distorted by the third party.
System of the present invention provides real-time single account balance inquiry, the inquiry of many account balances, single detailed inquiry on account's same day, the detailed inquiry of single account history, funds transfer and account transfer instruction query function.
1. enterprise account inquiry into balance
Inquiring enterprise is used for the remaining sum to public current account with bank clearing.
Single account balance inquiry:
Functional description: enterprise provides account number to bank, and bank returns to the remaining sum at family that enterprise audits.
Many account balance inquiries:
Functional description: enterprise provides account number (a plurality of account) to give bank, and bank returns to the remaining sum of enterprise's number of auditing.
2. detailed inquiry on the single account of the enterprise same day
Inquiring enterprise be used for bank clearing to public detail on the same day toward vostro account.
Functional description: enterprise provides account number to bank, and bank returns to the detail on the same day of enterprise's number of auditing.
3. the detailed inquiry of the single account history of enterprise
Inquiring enterprise is used for the history to public past vostro account of bank clearing detailed.
Functional description: enterprise provides account number to bank, and bank returns to the historical detailed of enterprise's number of auditing.
4. the inside of enterprise account fund transfers
Transfer the fund between the enterprise account
Functional description: enterprise provides the account who needs account transfer to bank, and bank transfer also returns transaction results and gives enterprise.
5. the enterprise account fund externally transfers
Realize externally transferring of enterprise account fund
Functional description: enterprise provides the bank settlement account to bank, and bank returns the transfer transactions result and gives enterprise.
6. enterprise's account transfer instruction inquiry
The essential information and the state of a certain pen account transfer of inquiring enterprise instruction
Functional description: enterprise provides the packet sequence ID of the transfer request that will inquire about, and bank returns the essential information and the state of this account transfer instruction and gives enterprise.
The transaction that enterprise submits to is divided into two big classes: inquiry and account transfer.
Wherein Cha Xun concrete implementation as shown in Figure 3.
Inquiry (comprise the cargo tracer account balance, inquire about many account balances, inquiry detail on the same day, query history detail, inquiry account transfer instruction):
Step 1, enterprise packs according to the xml packet format that bank provides, and sends to the safe http protocol server of NetSafe Client by the http agreement with the POST mode bag of will concluding the business in local area network (LAN).
Http asks form: action=" http: the address of // client NetSafe Client and encryption port numbers/servlet/com.XXX.XXX.XXX.NCAPIReqServlet? userID=Qi Yedaima ﹠amp; PackageID=packet sequence ID ﹠amp; SendTime=request time "
Request data format: reqData=transaction request Bao ﹠amp; UserID=Qi Yedaima ﹠amp; PackageID=packet sequence ID﹠amp; OpName=transaction title (the transaction title should be consistent with transaction title in the xml bag).
Wherein: packet sequence ID, SPID should be changed according to actual conditions, and request time is the current system time that enterprise sends this transaction request bag.
Step 2, NetSafe Client with the xml packet encryption after according to the https agreement, send to the NetSafe Server of bank end by the Internet/special line.(this step is finished by NetSafe Client, and enterprise need not to handle);
Step 3, NetSafe Server send bank net to handle transaction request.
Wherein, transfer accounts function concrete implementation as shown in Figure 4.
Enterprise packs according to the xml packet format that bank provides, and by the http agreement xml bag is sent to the signature server of NetSafe Client in local area network (LAN) in the POST mode." Content-Length: " back is the length that needs the binary data packets of signature in the http packet header, and " Content-Type: " back is the mark INFOSEC_SIGN/1.0 that needs signature.
Http asks form: action=" http: the address of // client NetSafe Client and signature port numbers "
Request data format: transfer request xml bag
After NetSafe Client signs to xml bag, return to business system by the http agreement result that will sign.<sign〉label and</sign part between the label is the signature result.
The result that will sign of enterprise sends to the safe http protocol server of NetSafe Client in the POST mode by the http agreement.
Http asks form: action=" http: the address of // client NetSafe Client and encryption port numbers/servlet/XXX.XXX.XXX.XXX.NCAPIReqServlet? userID=Qi Yedaima ﹠amp; PackageID=packet sequence ID ﹠amp; SendTime=request time "
Request data format: reqData=signature is ﹠amp as a result; UserID=Qi Yedaima ﹠amp; PackageID=packet sequence ID ﹠amp; OpName=NCpaySubmitOp
Wherein: packet sequence ID, SPID should be changed according to actual conditions, and request time is the current system time that enterprise sends this transaction request bag.
The signature packets that NetSafe Client sends enterprise here is encrypted the back according to the https agreement, sends to the NetSafe Server that bank holds by the Internet/special line, mails to bank net again and handles.(this step is finished by NetSafe Client, and enterprise need not to handle).
It is that enterprise receives the form of packet that enterprise receives the return data process: reqData=transaction results bag or errorCode=error code;
Judge whether errorCode (error code) arranged in the return data:
If: do respective handling according to error code, finish.
If not: enterprise receives the form of packet: reqData=transaction results bag; Enterprise unpacks by the xml packet format that bank provides.
Beneficial effect of the present invention is, financial system to existing user is only done simple transformation, user's different demands have been realized, and guaranteed the fail safe of All Activity, and real-time terminal use's bank account and user self account is consistent, avoid the faulty operation that repeats work and when repeating work, may occur, and improved the ease for use of financial system greatly.
Above embodiment only is used to illustrate the present invention, but not is used to limit the present invention.

Claims (17)

1. a communication means of netting based on the client and the bank of virtual link is characterized in that, adds a user end security service platform and bank end encryption server between user's financial system and banking system;
The course of work that described terminal and bank carry out business contact is as follows:
User side operation user financial system, need mail to this financial system the safety service platform of user side with the synchronous transaction request of bank data, described user end security service platform receives this transaction request, through delivering to described bank end encryption server after encrypting, issue after the deciphering of bank end encryption server that the background server group is handled and new database more, the result who handles returns and user side financial system and database thereof is correspondingly processed to user side, has so just realized the unification and the safety of user side financial data and bank's end data.
2. according to claim 1 a kind of based on the client of virtual link and the communication means of bank's net, it is characterized in that the work of described user end security service platform comprises the encryption and the signature/verification of customer transaction request.
3. according to claim 2 a kind of based on the client of virtual link and the communication means of bank's net, it is characterized in that, when the user side financial software is submitted transaction request to bank, encryption port to the safety service platform of user side sends request, after receiving request, the safety service platform of user side uses enterprise's certificate conversion request data packet format to mail to bank's end encryption server; If desired some transaction data is signed, then the user side financial software mails to signed data the signature/verification port of the safety service platform of user side earlier, receive the signature result of this port then, the transaction request that will comprise signing messages afterwards again mails to the encryption port, so just set up an escape way, thereby finished whole transaction request process.
4. according to claim 3 a kind of based on virtual link client and the communication means of bank's net, it is characterized in that described encryption port and signature/verification port are server independently.
5. according to claim 3 a kind of based on the client of virtual link and the communication means of bank's net, it is characterized in that described encryption port and signature/verification sets of ports are formed on the station server.
6. according to claim 3 a kind of based on the client of virtual link and the communication means of bank's net, it is characterized in that the user side financial system sends request according to the http agreement to safety service platform.
7. according to claim 3 a kind of based on the client of virtual link and the communication means of bank's net, it is characterized in that the form of described conversion request packet is meant that the http request package that will receive converts the https request package to.
8. according to claim 1 a kind of based on the client of virtual link and the communication means of bank's net, it is characterized in that, issue after the end encryption server deciphering of described bank that the background server group is handled and more new database be meant that this user carries out inquiry into balance to this user's bank account, the detailed inquiry on the same day of single account, the historical detailed inquiry of single account, account fund inside transfers, externally the transferring of account fund, after the instruction inquiry of transferring accounts waits operation, upgrade the banking data base of the account.
9. according to claim 1 a kind of based on the client of virtual link and the communication means of bank's net, it is characterized in that, result after the described processing to user side return and operations such as being meant the user transfers accounts to its place bank account, inquiry that user side financial system and database thereof be correspondingly processed after, upgraded the database of financial software that the user uses, consistent with the account content that financial software was write down that keeps the user with this user's bank account content.
10. according to claim 1 a kind of based on the client of virtual link and the communication means of bank's net, it is characterized in that the result after the described processing returns the escape way of setting up when employed network channel sends information for the user to user side.
11. one kind based on the client of virtual link and the communication system of bank's net, comprise the user side financial system, banking system is characterized in that, adds a user end security service platform and bank end encryption server between user side financial system and banking system;
Described user side financial system and described user end security service platform pass through net connection;
Described user end security service platform and described bank end encryption server pass through net connection;
Described bank end encryption server and described banking system pass through net connection;
User side operation financial system, need mail to this financial system the safety service platform of user side with the synchronous transaction request of bank data, described user end security service platform receives this transaction request, through delivering to described bank end encryption server after encrypting, issue after the deciphering of bank end encryption server that the background server group is handled and new database more, the result who handles returns and user side financial system and database thereof is correspondingly processed to user side, has so just realized the unification and the safety of user side financial data and bank's end data.
12. a kind of communication system of netting based on the client and the bank of virtual link according to claim 11 is characterized in that described family end safety service platform comprises encryption device, the signature/verification device is encrypted port, the signature/verification port;
When the user side financial software was submitted transaction request to bank, after the encryption port of the safety service platform of user side sent request, receives request, encryption device used enterprise's certificate conversion request data packet format to mail to bank's end encryption server; If desired some transaction data is signed, then the user side financial software mails to signed data the signature/verification port of signature/verification device earlier, receive the signature result of this port then, the transaction request that will comprise signing messages afterwards again mails to the encryption port, so just set up an escape way, thereby finished whole transaction request process.
13. it is according to claim 12 a kind of based on the client of virtual link and the communication system of bank's net, it is characterized in that, described encryption device and signature/verification device are server independently, and described encryption port and signature/verification port all are positioned on the corresponding server.
14. it is according to claim 12 a kind of based on the client of virtual link and the communication system of bank's net, it is characterized in that, described encryption device and signature/verification device all are integrated on the station server, and described encryption port and signature/verification port all are positioned on this server.
15. it is according to claim 11 a kind of based on the client of virtual link and the communication system of bank's net, it is characterized in that, described transaction request comprises: inquiry into balance, the detailed inquiry on the same day of single account, the historical detailed inquiry of single account, account fund inside transfers, externally the transferring of account fund, the instruction inquiry of transferring accounts waits operation, upgrades bank's client database and user side database after operation is finished.
16. according to claim 11 a kind of based on the client of virtual link and the communication system of bank's net, it is characterized in that described network is a private line network.
17. according to claim 11 a kind of based on the client of virtual link and the communication system of bank's net, it is characterized in that described network is a Wide Area Network.
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