CN111489251A - A bank-enterprise interconnection system - Google Patents

Abstract

The invention provides a bank-enterprise interconnection system, which comprises: the system comprises an enterprise financial system, a bank-enterprise interconnection adapter platform and a bank payment system; wherein: the enterprise financial system is used for rechecking and trading the data to be traded through the bank-enterprise interconnection adapter platform; the bank-enterprise interconnection adapter platform configures a bank-enterprise interconnection adapter engine for the enterprise financial system, configures parameters and front-end processor address information required by one or more banks to be in butt joint to the bank-enterprise interconnection adapter platform, and opens related payment channels according to the parameters so as to communicate with a specific bank payment system. The invention can help the enterprise business system and the bank payment system to realize quick butt joint, so that the interaction efficiency is higher, the data is safer, and the butt joint is more convenient and quick.

Description

A bank-enterprise interconnection system

technical field

The invention relates to the field of information technology, in particular to a bank-enterprise interconnection system.

Background technique

At present, the direct connection between banks and enterprises of enterprises and institutions adopts the method of Internet or dedicated line connection to realize the connection between the enterprise financial system and the bank front-end computer. This connection method has at least the following shortcomings:

(1) When a unit has business dealings with multiple banks at the same time, it does not meet the needs or needs to invest a lot of manpower and material resources for independent development.

(2) When an enterprise has multiple subsidiaries, and its enterprise business system adopts centralized deployment, but the bank-enterprise payment data requires that the subsidiaries be isolated from each other and multiple bank front-end computers are required, it does not meet the demand.

SUMMARY OF THE INVENTION

The purpose of the present invention is to provide an adaptation service that quickly interconnects the financial system of an enterprise with different banks, which can help the business system of the enterprise and the payment system of the bank to realize fast docking, so that the interaction efficiency is higher, the data is more secure, and the docking is more convenient and fast. .

To achieve the above purpose, the present invention provides a bank-enterprise interconnection system, which includes: an enterprise financial system, a bank-enterprise interconnection adapter platform and a bank payment system; wherein:

The enterprise financial system is used for business review and transaction of the data to be traded through the bank-enterprise interconnection adapter platform;

The bank-enterprise interconnection adapter platform configures the bank-enterprise interconnection adapter engine for the enterprise financial system, and configures the parameters required by one or more banks to be connected and the address information of the front-end computer to the bank-enterprise interconnection adapter platform, and the bank-enterprise interconnection adapter platform will be based on. The parameter opens the relevant payment channel, so as to communicate with the specific bank payment system.

Further, the enterprise financial system is specifically used to transfer the data to be traded to the approval process of the bank-enterprise adapter platform according to the approval limit set by each enterprise according to its own business needs, and the bank-enterprise interconnection adapter platform sets a three-level review mode, When the amount to be traded is less than or equal to the lower limit of the first-level review limit, the pending transaction data is directly transferred to the payment link, and the payer initiates payment instructions; if the amount exceeds the lower limit of the first-level review limit, the document flow is transferred to the first-level reviewer for approval. Payment will be made after the review is passed; if the amount is greater than the upper limit of the first-level review limit, but less than the second-level review and offline, the transaction data will be transferred to the second-level review after the first-level review is passed, and the document flow will be transferred to the payment page after the review is passed. Payment; the same is true for three-level review; enterprises can flexibly set the audit level and the audit amount range for each level according to their own management systems and needs.

Further, the enterprise financial system is specifically used to directly transmit the data to be traded to the bank payment system via the bank-enterprise interconnection adapter platform, and then conduct the transaction after authorization and processing by the bank payment system.

Further, the bank-enterprise interconnection adapter platform is specifically used to transform, distribute and process the transaction data transmitted by the enterprise financial system to the bank-enterprise interconnection adapter platform according to the payment type, so as to conduct transactions with a specific bank and transfer the transaction data to the bank-enterprise interconnection adapter platform. The transaction results of the bank are processed and packaged to form a unified data format, which is fed back to the enterprise financial system through a unified output interface;

For peer-to-peer payment business, the bank processing results are fed back to the enterprise financial system in real time. For non-peer business, the bank-enterprise interconnection adapter platform starts the regular business batch running, and runs batches every two hours for data interaction. The bank processing results are fed back to the enterprise financial system.

Further, the bank-enterprise interconnection adapter platform is specifically used to send the formed query instruction to the corresponding bank front-end computer through the bank-enterprise interconnection adapter platform in a regular cycle, and the results fed back by the bank's front-end computer are in a unified format. Packaging for feedback display.

Further, the bank-enterprise interconnection adapter platform adopts three aspects of authentication: secondary password, SMS verification and digital certificate; before the enterprise financial cashier makes payment, the secondary password and the SMS verification code need to be entered before the data to be paid can be viewed. , when making payment, you need to enter the security key of the digital certificate to authenticate the identity of the payer and encrypt the data to be paid sent by the client to the bank-enterprise interconnect adapter platform. The encryption algorithm adopts the bank-level national secret algorithm to encrypt After the data is sent to the bank-enterprise interconnection adapter platform, the adapter platform will decrypt the data and verify the signature, start the inspection of routing rules according to the transaction data sent by the client, and start the relevant channels for business logic processing and data processing, packaging, Transaction processing such as distribution. For the data sent by the enterprise financial system to the bank-enterprise interconnection adapter platform, if the identity is legal and the data to be traded is correct, the bank-enterprise interconnection adapter platform will activate the data locking and anti-tampering mechanism to prevent the occurrence of repeated transaction events.

Further, the bank-enterprise interconnection adapter platform is provided with a bank-enterprise interconnection function master switch; in the case of application, the bank-enterprise interconnection master switch is turned on, and the bank-enterprise interconnection is connected; when it is closed, the connection with the front-end computer will be immediately disconnected ; At the same time, the connection time between the bank front-end computer and the bank-enterprise interconnection adapter platform can be set.

The invention can help the business system of the enterprise and the payment system of the bank to realize the quick connection, so that the interaction efficiency is higher, the data is more secure, and the connection is more convenient and quick.

Description of drawings

1 is a schematic diagram of the architecture of a bank-enterprise interconnection system provided by an embodiment of the present invention;

Figure 2 is a schematic diagram of the main business processing process of the bank-enterprise interconnect adapter platform;

Figure 3 is a schematic diagram of the processing process of the connection between the enterprise financial reimbursement system and the bank-enterprise interconnection adapter platform;

Figure 4 is a schematic diagram of the processing process of the connection between the enterprise financial reimbursement system and the bank-enterprise interconnection adapter platform;

5 is a schematic diagram of transaction data processing and storage methods;

Figure 6 is a schematic diagram of an adapter business approval mode;

7 is a schematic diagram of a security protection strategy for data to be traded and data to be reviewed;

Figure 8 is a schematic diagram of the configuration mode of the engine parameters of the bank-enterprise interconnection adapter;

Figure 9 shows a schematic diagram of the transaction control process that converts the banking system with different interface methods into a standard external service through the bank-enterprise interconnection adapter platform.

Detailed ways

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

FIG. 1 is a schematic diagram of the architecture of a bank-enterprise interconnection system according to an embodiment of the present invention. As shown in Figure 1, the system includes: an enterprise financial system, a bank-enterprise interconnection adapter platform, and a bank payment system; among them: an enterprise financial system, which is used to review and trade the data to be traded through the bank-enterprise interconnection adapter platform; bank-enterprise interconnection adapter platform; The interconnection adapter platform configures the bank-enterprise interconnection adapter engine for the enterprise financial system (as shown in Figure 8), and configures the parameters required by one or more connected banks and the address information of the front-end machine to the bank-enterprise interconnection adapter platform. The VPN software accesses the bank-enterprise interconnection adapter platform, and the bank-enterprise interconnection adapter platform will open the relevant payment channels according to the parameters, so as to communicate with the specific bank payment system.

The bank-enterprise interconnection adapter platform provides two business processing modes, as follows:

Method 1: The data to be traded is reviewed and traded on the adapter platform

The enterprise financial system transfers the data to be traded to the approval process of the adapter platform according to the approval quota set by each enterprise according to its own business needs. The adapter platform can set a three-level review mode (as shown in Figure 6). When the amount to be traded is less than or equal to When the lower limit of the first-level review quota is reached, the transaction data will be transferred directly to the payment link, and the payer will initiate a payment instruction; if the amount exceeds the lower limit of the first-level review quota, the document flow will be transferred to the first-level reviewer for approval, and the payment will be made after the review is passed. ; If the amount is greater than the upper limit of the first-level review quota, but less than the second-level review and offline, the transaction data will be transferred to the second-level review after the first-level review is passed. After the review is passed, the document flow will be transferred to the payment page for payment; the same as the third-level review. reason. Enterprises can flexibly set audit levels and audit amount ranges for each level according to their own management systems and needs.

Method 2: The enterprise financial system directly transmits the data to be traded to the bank's online banking system through the bank-enterprise interconnection adapter platform, and then conducts the transaction after authorization and processing by the bank's online banking system.

The bank-enterprise interconnection system processes and inquires payment transactions in the following ways:

The types of payment transactions supported by this product include: quota authorization payment, basic account payment, and official card repayment; the supported payment methods include one-by-one payment and combined payment. The specific technical implementation is as follows:

Start the adapter engine. The adapter platform adds the most frequently used payee card number, payee bank and payment method to the cache, opens the payment channel according to the payment account number and the payee account number, and puts the data to be paid into the thread pool , before entering the payment, the payment data is locked in the thread pool. Only after a business is processed, the business lock is recovered by the system before entering the thread pool to fetch the next business for processing.

Transform, distribute, and process the transaction data transmitted from the enterprise financial system to the bank-enterprise adapter platform according to the payment type, so as to conduct transactions with a specific bank and process and package the transaction results of the bank to form unified data. The format is fed back to the enterprise financial system through a unified output interface.

Restricted by the banking business processing rules (as shown in Figure 5), for the peer-to-peer payment business, the bank processing results are fed back to the corporate financial system in real time, and for non-peer business, the bank-enterprise interconnect adapter platform starts the regular business running batch. Run batches every two hours for data interaction, and feed back the processing results of each bank to the enterprise financial system.

The query transaction types supported by this product include: business card consumption record query, bank journal query, account balance query, the specific technical implementation is as follows:

Open the timing task, and send the formed query command to the corresponding bank front-end computer through the adapter platform periodically, and encapsulate the results of the bank's front-end computer in a unified format for feedback display. During the implementation process, some technical solutions are the same as the payment method. class transaction process.

The security protection technology adopted by the bank-enterprise interconnection adapter platform in the embodiment of the present invention is as follows (as shown in FIG. 7 ):

a) Adopt three authentications: secondary password, SMS verification and digital certificate. Before making payment, the financial cashier of the enterprise needs to enter the secondary password and SMS verification code to see the data to be paid. When making payment, the security key of the digital certificate needs to be entered to authenticate the identity of the payer and send the client to the bank. The data to be paid on the enterprise interconnection adapter platform is encrypted. The encryption algorithm adopts the bank-level national secret algorithm. After the encrypted data is sent to the bank-enterprise interconnection adapter platform, the adapter platform will decrypt the data and verify the signature. According to The transaction data sent by the client starts the inspection of routing rules and starts related channels for business logic processing and data processing, packaging, distribution and other transaction processing. For the data sent by the enterprise financial system to the bank-enterprise interconnection adapter platform, if the identity is legal and the data to be traded is correct, the bank-enterprise interconnection adapter platform will activate the data locking and anti-tampering mechanism to prevent the occurrence of repeated transaction events.

b) There is a main switch for bank-enterprise interconnection function. In the case of application, turn on the main switch of the bank-enterprise interconnection, and the bank-enterprise interconnection is connected. When turned off, the communication with the front-end unit is immediately disconnected. At the same time, the connection time between the bank front-end computer and the bank-enterprise interconnection adapter platform can be set. For example, it can be set to connect during working hours and disconnect during non-working hours.

In the technical solution of the embodiment of the present invention, the enterprise financial system does not need to perform data interaction with the front-end computers of each bank, but directly connects with the bank-enterprise interconnection adapter platform. A series of logical processing such as signature, verification, and data locking, encapsulation, distribution and processing are performed on the business data exchanged between the computers.

The embodiment of the present invention can enable or disable related functions of the bank-enterprise interconnection system according to the specific conditions of enterprises and institutions: such as: 1) whether to open the parallel business, 2) whether to open the bank-enterprise interconnection switch, 3) the bank name and line number priority Level setting, 4) Three-level review limit setting, 5) Payment time period setting, etc.; one-click payment can be realized, and one-by-one or combined payment transactions can be performed between limit accounts and basic accounts. Ordinary users and financial personnel can query payment information according to their respective permissions. Ordinary users can inquire about their own business card transaction information and bank payment status; financial personnel can not only inquire about the bank processing results of the entire unit, inquire about the status of concurrent payments, but also obtain bank journals and inquire about unit account balances. By connecting with the banking system, the bank journal can be read, and the journal of the enterprise accounting system can be obtained at the same time, so as to automatically perform bank reconciliation and finally form a balance adjustment table.

The embodiment of the present invention cooperates with the existing bank through the bank-enterprise interconnection adapter platform to open up the whole process of business reimbursement, approval, and fund payment, greatly reduces the basic work of financial duplication, and greatly improves the efficiency and accuracy of financial work. It improves the convenience of account information query, and can greatly reduce the development cost of the enterprise, so that the enterprise financial system can quickly connect with each bank, thus providing a fast, safe and reliable bank-enterprise interconnection adapter platform for enterprises.

The specific embodiments described above further describe the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above descriptions are only specific embodiments of the present invention, and are not intended to limit the scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims (7)

1. A bank-enterprise interconnection system is characterized in that, comprising: an enterprise financial system, a bank-enterprise interconnection adapter platform and a bank payment system; wherein: The enterprise financial system is used for business review and transaction of the data to be traded through the bank-enterprise interconnection adapter platform; The bank-enterprise interconnection adapter platform configures the bank-enterprise interconnection adapter engine for the enterprise financial system, and configures the parameters required by one or more banks to be connected and the address information of the front-end computer to the bank-enterprise interconnection adapter platform, and the bank-enterprise interconnection adapter platform will be based on. The parameter opens the relevant payment channel, so as to communicate with the specific bank payment system. 2. The system according to claim 1, wherein the enterprise financial system is specifically used to transfer the data to be traded to the approval process of the bank-enterprise adapter platform according to the approval limit set by each enterprise according to its own business needs , the bank-enterprise interconnect adapter platform sets a three-level review mode. When the transaction amount is less than or equal to the lower limit of the first-level review limit, the pending transaction data is directly transferred to the payment link, and the payer initiates a payment instruction; if the amount exceeds the first-level review limit For a limited time, the document flow will be transferred to the first-level reviewer for approval, and payment will be made after the review is passed; if the amount is greater than the upper limit of the first-level review limit, but less than the second-level review and offline, the transaction data will be transferred after the first-level review is passed. For the second-level review, after the review is passed, the documents flow to the payment page for payment; the same is true for the third-level review; the enterprise can flexibly set the review level and the range of the review amount for each level according to its own management system and needs. 3. The system according to claim 1, wherein the enterprise financial system is specifically used to directly transmit the data to be traded to the bank payment system via the bank-enterprise interconnection adapter platform, and after the authorization and processing of the bank payment system Trade again. 4. The system according to claim 1, wherein the bank-enterprise interconnection adapter platform is specifically used to transform, distribute and process the transaction data transmitted to the bank-enterprise interconnection adapter platform by the enterprise financial system according to the payment type Processing, so as to conduct transactions with a specific bank and process and encapsulate the data of the bank's transaction results to form a unified data format, which is fed back to the enterprise financial system through a unified output interface; For peer-to-peer payment business, the bank processing results are fed back to the enterprise financial system in real time. For non-peer business, the bank-enterprise interconnection adapter platform starts the regular business batch running, and runs batches every two hours for data interaction. The bank processing results are fed back to the enterprise financial system. 5. The system according to claim 1, characterized in that, the bank-enterprise interconnection adapter platform is specifically used to send the formed query instruction to the corresponding bank front-end machine via the bank-enterprise interconnection adapter platform in a regular cycle, And the results fed back by the bank front-end computer are packaged in a unified format for feedback display. 6. The system according to claim 1, is characterized in that, described bank-enterprise interconnection adapter platform adopts the authentication of three aspects of secondary password, short message verification and digital certificate; Only the secondary password and SMS verification code can see the pending payment data. When making payment, you need to enter the security key of the digital certificate to authenticate the identity of the payer and encrypt the pending payment data sent by the client to the bank-enterprise interconnection adapter platform. The encryption algorithm adopts the bank-level national secret algorithm. After the encrypted data is sent to the bank-enterprise interconnection adapter platform, the adapter platform will decrypt the data and verify the signature. According to the transaction data sent by the client, the routing rules are checked and verified. Start relevant channels for business logic processing and transaction processing such as data processing, packaging, and distribution. For the data sent by the enterprise financial system to the bank-enterprise interconnection adapter platform, if the identity is legal and the data to be traded is correct, the bank-enterprise interconnection adapter platform will activate the data locking and anti-tampering mechanism to prevent the occurrence of repeated transaction events. 7. The system according to claim 1, wherein the bank-enterprise interconnection adapter platform is provided with a bank-enterprise interconnection function master switch; under application conditions, the bank-enterprise interconnection master switch is turned on, and the bank-enterprise interconnection is connected; When it is closed, the connection with the front-end computer will be disconnected immediately; at the same time, the connection time between the bank front-end computer and the bank-enterprise interconnection adapter platform can be set.

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