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CN113643012B - Financial scene-based message system - Google Patents

Financial scene-based message system Download PDF

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Publication number
CN113643012B
CN113643012B CN202110120935.3A CN202110120935A CN113643012B CN 113643012 B CN113643012 B CN 113643012B CN 202110120935 A CN202110120935 A CN 202110120935A CN 113643012 B CN113643012 B CN 113643012B
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message
service application
group
execution time
setting
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CN113643012A (en
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戴亮
朱一峰
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Shanghai Hengshen Software Consulting Co ltd
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Shanghai Hengshen Software Consulting Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L69/00Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass
    • H04L69/22Parsing or analysis of headers

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a financial scene-based message system, which comprises the steps of initiating a message group application to obtain a message group number; inviting to join in the message group member, detecting whether the invitee agrees to join, if not, the message group fails, if so, the message group is successful, and initiating a service application message; selecting a message group to be added, selecting a message group number, judging whether a pre-message is set, if not, directly setting the execution time of the message, if so, setting the execution time of the message after processing the pre-message; judging whether a feedback mechanism is set, if so, setting the feedback mechanism after the message is completed, and if not, directly completing the checking of the submitted message group members by the message programming; a message auditing unit is entered to judge whether the message is audited to pass or not, if so, the message is audited to pass, the message is formally and effectively sent, and if not, the message is compiled again; the method has the advantages of improving the information integration degree and the like.

Description

Financial scene-based message system
Technical Field
The invention relates to the field of message systems among banks of electronic payment systems, in particular to a message system based on a financial scene.
Background
In modern economies, global circulation of funds, interactive conversion circulation between funds and physical goods, funds and digital assets is increasingly frequent. Most of cross-border currency funds circulation is completed through various payment systems among banks, and message systems are the main mode of information transmission among banks at present. In the existing message system between cross-border banks and other financial institutions. The most widely used is the ISO20022 messaging system. The message system has the following problems:
1. The association and the interactivity between the message systems among banks and other system messages are weak, so that a cross-system message group is difficult to form, and the transaction conversion circulation between funds and entity goods and between funds and digital assets is difficult to meet in an actual business scene.
2. The information stored in different message systems by the same customer is difficult to integrate and extract for related institutions to query (under the condition of user authorization).
The invention provides a message system based on a financial scene, which solves the problems.
Disclosure of Invention
The technical problems to be solved by the invention are that the existing message system has the following problems:
1. The association and the interactivity between the message systems among banks and other system messages are weak, so that a cross-system message group is difficult to form, and the transaction conversion circulation between funds and entity goods and between funds and digital assets is difficult to meet in an actual business scene.
2. The retained information of the same customer in different message systems is difficult to integrate and extract for related institutions to inquire (under the condition of user authorization);
Providing a financial scene-based message system, wherein the financial scene-based message system comprises:
message group initiating mechanism end:
Initiating a message group application to obtain a message group number;
inviting to join in the message group member, detecting whether the invitee agrees to join, if not, the message group fails, if so, the message group is successful, and initiating a service application message;
Selecting a message group to be added, selecting a message group number, judging whether a pre-message is set, if not, directly setting the execution time of a service application message, and if so, setting the execution time of the service application message after processing the pre-message;
After setting the execution time of the service application message, judging whether a feedback mechanism is set, if so, setting the feedback mechanism after the completion of the service application message, and if not, directly completing the audit of the submitting message group member by the service application message establishment;
a message auditing unit is entered to judge whether the service application message is audited to pass or not, if so, the auditing passes, the service application message is formally and effectively transmitted, if not, the service application message is compiled again, the auditing is submitted, and the message auditing unit is entered;
Message group participation mechanism end:
Receiving an invitation message of a message group initiator;
Judging whether to agree to add the message group, if not, failing to group the message group, if so, successful grouping the message group;
Initiating a service application message, selecting a joining message group, selecting a message number, and judging whether a pre-message is set; if not, the execution time of the service application message is directly set, and if so, the execution time of the service application message is set after the pre-message is processed;
After setting the execution time of the service application message, judging whether a feedback mechanism is set, if so, setting the feedback mechanism after the completion of the service application message, and if not, directly completing the audit of the submitting message group member by the service application message establishment;
And a message auditing unit is entered to judge whether the service application message is audited to pass or not, if so, the auditing passes, the service application message is formally and effectively transmitted, if not, the service application message is recompiled, submitted to auditing, and entered to the message auditing unit.
Further, the invention provides a message system based on a financial scene, wherein the selecting of adding a message group, selecting a message group number, judging whether to set a preamble, if not, directly setting the execution time of a service application message, if so, setting the execution time of the service application message after processing the preamble comprises:
selecting a joining message group, selecting a message group number, judging whether a pre-message is set, if not, directly setting the execution time of a service application message, and if so, selecting the pre-message number; setting a pre-message completion condition; setting the execution time of the service application message.
Further, the invention provides a message system based on a financial scene, wherein the message system initiates a service application message, selects a message group to be added, selects a message number, and judges whether a pre-message is set or not; if not, the execution time of the service application message is directly set, and if yes, the execution time of the service application message is set after the pre-message is processed, wherein the setting of the execution time of the service application message comprises the following steps:
Initiating a service application message, selecting a joining message group, selecting a message number, and judging whether a pre-message is set; if not, directly setting the execution time of the service application message, and if so, selecting a preamble message number; setting a pre-message completion condition; setting the execution time of the service application message.
Further, the message system based on the financial scene, provided by the invention, wherein the message group initiating mechanism end and the message group participating mechanism end can also be used for performing cross-system query.
Further, the invention provides a financial scene-based message system, wherein the cross-system query performed by the message group initiating mechanism end and the message group participating mechanism end comprises:
initiating inquiry of the cross-system information of the client of the mechanism, judging whether the client has a universal identification number (VDCN) in the system, if so, inquiring information to each cooperative system through the client universal identification number (VDCN), and if not, inquiring information to each cooperative system through the client universal identification number (VDCN) after entering the confirmation system;
And obtaining query feedback of each system.
Further, the invention provides a financial scene-based message system, wherein after entering a confirmation system, the query information of each cooperative system through a client universal identification number (VDCN) comprises:
Applying a universal identification number (VDCN) for the client under the mechanism, judging whether the universal identification number is existing in the cooperation system (VDCN), and if so, using the existing universal identification number (VDCN); if not, the system automatically generates a new universal identification number (VDCN).
The implementation of the invention has the following beneficial effects:
The invention can be interactively related with other message systems, can set message groups among different systems, and completes the processing of a group of messages according to the set sequence and rules so as to meet the transaction conversion circulation between funds and entity goods and between funds and digital assets in an actual business scene.
The invention can also send inquiry information to other message systems on the premise of user authorization so as to extract the information reserved by the client in other message systems; and the method can also receive inquiry requests sent by other message systems and feed back corresponding information, thereby improving the working efficiency.
Drawings
FIG. 1 is a flow chart of a message group initiating mechanism end of the present invention;
FIG. 2 is a flow chart of the message group participant side of the present invention;
FIG. 3 is a flow chart of the present invention cross-system query.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings, for the purpose of making the objects, technical solutions and advantages of the present invention more apparent.
Examples
In this embodiment, referring to fig. 1, 2 and 3 of the specification, the technical problem to be solved in this embodiment is that the following problems exist in the existing message system:
1. The association and the interactivity between the message systems among banks and other system messages are weak, so that a cross-system message group is difficult to form, and the transaction conversion circulation between funds and entity goods and between funds and digital assets is difficult to meet in an actual business scene.
2. The retained information of the same customer in different message systems is difficult to integrate and extract for related institutions to inquire (under the condition of user authorization);
Providing a financial scene-based message system, wherein the financial scene-based message system comprises:
message group initiating mechanism end:
Initiating a message group application to obtain a message group number;
inviting to join in the message group member, detecting whether the invitee agrees to join, if not, the message group fails, if so, the message group is successful, and initiating a service application message;
selecting a message group to be added, selecting a message group number, judging whether a pre-message is set, if not, directly setting the execution time of the message, and if so, processing the pre-message and then setting the execution time of the message;
after the execution time of the message is set, judging whether a feedback mechanism is set, if so, setting the feedback mechanism after the message is completed, and if not, directly completing the checking of the submitted message group members by the message programming;
A message auditing unit is entered to judge whether the message is audited to pass or not, if so, the message is audited to pass, the message is formally and effectively transmitted, if not, the message is reprogrammed, the message is submitted to audit, and the message auditing unit is entered;
Message group participation mechanism end:
Receiving an invitation message of a message group initiator;
Judging whether to agree to add the message group, if not, failing to group the message group, if so, successful grouping the message group;
initiating a service application message, selecting a joining message group, selecting a message number, and judging whether a pre-message is set; if not, the execution time of the message is directly set, and if so, the execution time of the message is set after the pre-message is processed;
after the execution time of the message is set, judging whether a feedback mechanism is set, if so, setting the feedback mechanism after the message is completed, and if not, directly completing the checking of the submitted message group members by the message programming;
And entering a message auditing unit, judging whether the message is audited to pass or not, if so, the message is audited to pass, the message is formally and effectively transmitted, and if not, the message is reprogrammed, submitted to be audited, and entering the message auditing unit.
In a specific embodiment, the selecting the joining message group, selecting a message group number, judging whether to set the pre-message, if not, directly setting the execution time of the pre-message, if so, setting the execution time of the pre-message after processing the pre-message includes:
Selecting a message group to be added, selecting a message group number, judging whether a pre-message is set, if not, directly setting the execution time of the message, and if so, selecting the pre-message number; setting a pre-message completion condition; setting the execution time of the message.
In a specific embodiment, the service application initiating message selects to add a message group, selects a message number, and judges whether to set a preamble message; if not, the execution time of the text message is directly set, and if so, the setting of the execution time of the text message after processing the pre-message comprises the following steps:
Initiating a service application message, selecting a joining message group, selecting a message number, and judging whether a pre-message is set; if not, directly setting the execution time of the message, and if so, selecting the number of the pre-message; setting a pre-message completion condition; setting the execution time of the message.
In a specific embodiment, the message group initiating mechanism end and the message group participating mechanism end may also be used to perform cross-system queries.
In a specific embodiment, the performing the cross-system query by the packet initiating mechanism end and the packet participating mechanism end includes:
initiating inquiry of the cross-system information of the client of the mechanism, judging whether the client has a universal identification number (VDCN) in the system, if so, inquiring information to each cooperative system through the client universal identification number (VDCN), and if not, inquiring information to each cooperative system through the client universal identification number (VDCN) after entering the confirmation system;
And obtaining query feedback of each system.
In one specific embodiment, after entering the validation system, querying each cooperating system for information via a customer universal identification number (VDCN) includes:
Applying a universal identification number (VDCN) for the client under the mechanism, judging whether the universal identification number is existing in the cooperation system (VDCN), and if so, using the existing universal identification number (VDCN); if not, the system automatically generates a new universal identification number (VDCN).
Reference is made to fig. 1 of the description and fig. 2 of the description:
The business settlement system (GBSN) (or other systems) participants can select message types and select message group functions when executing the business content to generate messages, obtain unique message group numbers, and send the unique message group numbers to other participants to join in message group invitation notification. After other participants receive notification and agree to join, a message can be compiled to join the message group, all message information of the message group is queried, each participant can apply for submitting and checking to pass after joining the required message into the message group, and the message can be executed (according to the time set by the initiator) after all participants agree. After the participant receives the invitation of the participation message group of the initiator, the participant can compile the message added into the message group.
The message group content needs to be provided with a preposed message number (optional, not optional and default to be directly executed) and a completion condition (successful sending, successful service feedback, active query confirmation and the like) of each preposed message, in addition, the subsequent execution time (the execution is immediately carried out after the premise is completed, and the execution is carried out at a certain time in the next working day) of the message is designated, and finally, a feedback mechanism of the required message execution condition is set (multiple lines can be optionally provided for facilitating the execution of the subsequent message).
The participants themselves ensure the message has the capability of executing (the remittance funds of the clients are fixed by means of load-over and the like)
Referring to fig. 3 of the specification:
by "payer VDCN number" and "payee VDCN number", as unique universal identification numbers within the commercial settlement system (GBSN) and other cooperating systems, if not set, the field is empty, as applied for, and the field displays the existing identification numbers.
A business settlement system (GBSN) participant can initiate a message for applying to obtain a client universal identification number (VDCN), the system can inquire all the cooperative systems according to the client name, if the client has the number, the system automatically generates a new number; if so, the number is used.
The client with the number can be inquired by a business settlement system (GBSN) participant or other systems to inquire the client information and transaction details of the cross-system, and under the condition of obtaining the client authorization, each system integrates the client information of the system and feeds back to the inquirer.
The implementation of the invention has the following beneficial effects:
The invention can be interactively related with other message systems, can set message groups among different systems, and completes the processing of a group of messages according to the set sequence and rules so as to meet the transaction conversion circulation between funds and entity goods and between funds and digital assets in an actual business scene.
The invention can also send inquiry information to other message systems on the premise of user authorization so as to extract the information reserved by the client in other message systems; and the method can also receive inquiry requests sent by other message systems and feed back corresponding information, thereby improving the working efficiency.
The foregoing disclosure is only illustrative of the preferred embodiments of the present invention and is not to be construed as limiting the scope of the invention, which is defined by the appended claims.

Claims (6)

1. A financial scene-based messaging system, comprising:
message group initiating mechanism end:
Initiating a message group application to obtain a message group number;
inviting to join in the message group member, detecting whether the invitee agrees to join, if not, the message group fails, if so, the message group is successful, and initiating a service application message;
Selecting a message group to be added, selecting a message group number, judging whether a pre-message is set, if not, directly setting the execution time of a service application message, and if so, setting the execution time of the service application message after processing the pre-message;
After setting the execution time of the service application message, judging whether a feedback mechanism is set, if so, setting the feedback mechanism after the completion of the service application message, and if not, directly completing the audit of the submitting message group member by the service application message establishment;
A message auditing unit is entered to judge whether the service application message is audited to pass or not, if so, the service application message is audited to pass, the service application message is formally and effectively transmitted, if not, the service application message is compiled again, the audit is submitted, and the message auditing unit is entered;
Message group participation mechanism end:
Receiving an invitation message of a message group initiator;
Judging whether to agree to add the message group, if not, failing to group the message group, if so, successful grouping the message group;
Initiating a service application message, selecting a joining message group, selecting a message number, and judging whether a pre-message is set; if not, the execution time of the service application message is directly set, and if so, the execution time of the service application message is set after the pre-message is processed;
After setting the execution time of the service application message, judging whether a feedback mechanism is set, if so, setting the feedback mechanism after the completion of the service application message, and if not, directly completing the audit of the submitting message group member by the service application message establishment;
and entering a message auditing unit, judging whether the message is audited to pass, if so, the message is audited to pass, the service application message is formally and effectively sent, if not, the service application message is recompiled, the audit is submitted, and the message auditing unit is entered.
2. The financial scene-based messaging system according to claim 1, wherein the selecting the joining messaging group, selecting the messaging group number, determining whether to set the pre-message, if not, directly setting the service application messaging execution time, if so, setting the service application messaging execution time after processing the pre-message comprises:
selecting a joining message group, selecting a message group number, judging whether a pre-message is set, if not, directly setting the execution time of a service application message, and if so, selecting the pre-message number; setting a pre-message completion condition; setting the execution time of the service application message.
3. The financial scene-based messaging system according to claim 2, wherein the initiating service application message selects to join a group of messages, selects a message number, and determines whether to set a preamble; if not, the execution time of the service application message is directly set, and if yes, the execution time of the service application message is set after the pre-message is processed, wherein the setting of the execution time of the service application message comprises the following steps:
Initiating a service application message, selecting a joining message group, selecting a message number, and judging whether a pre-message is set; if not, directly setting the execution time of the service application message, and if so, selecting a preamble message number; setting a pre-message completion condition; setting the execution time of the service application message.
4. The financial scene based messaging system according to claim 3, wherein the messaging group initiating entity and the messaging group participating entity may also be configured to perform cross-system queries.
5. The financial scene based messaging system according to claim 4, wherein the group initiating mechanism side and the group participating mechanism side perform a cross-system query comprising:
Initiating inquiry of the cross-system information of the client of the mechanism, judging whether the client has a universal identification number in the system, if so, inquiring information to each cooperative system through the universal identification number of the client, and if not, inquiring information to each cooperative system through the universal identification number of the client after entering the confirmation system;
And obtaining query feedback of each system.
6. The financial scene based messaging system according to claim 4 wherein the querying information to each cooperating system by the client universal identification number after entering the validation system comprises:
Applying for the universal identification number for the client under the mechanism, judging whether the universal identification number exists in the cooperative system, if so, using the existing universal identification number; if not, the system automatically generates a new universal identification number.
CN202110120935.3A 2021-01-28 2021-01-28 Financial scene-based message system Active CN113643012B (en)

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CN105590191A (en) * 2015-09-08 2016-05-18 中国银联股份有限公司 Interface system used for transaction data access, and implementation method thereof
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