Processing system between enterprise and bank service abutting joint

A processing system and bank technology, applied in user identity/authority verification, data exchange through path configuration, network interconnection, etc., to reduce operational complexity, avoid secondary entry, and reduce error rates

Active Publication Date: 2005-10-12
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, the disadvantages of the various systems currently used are: after the enterprise has processed transactions and accounts in its own financial system, it must log in to the online banking system or application-specific system, through a WEB browser or the front-end of the dedicated system. , through the transaction processing process set in the bank's electronic banking system, the company needs to perform two repeated financial system procedures for a transaction: one in the corporate financial system and one in the electronic banking system

Method used

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  • Processing system between enterprise and bank service abutting joint
  • Processing system between enterprise and bank service abutting joint
  • Processing system between enterprise and bank service abutting joint

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0050] In this embodiment, the processing system for business docking between enterprises and banks is used to complete the processing flow of business transactions initiated by enterprises, such as image 3 As shown, the steps include:

[0051] (1) In the enterprise financial system software of the client, the enterprise operator enters the transaction request data according to the interface standard or the format defined by the financial system, and submits the transaction request data message to the front-end computer of the client;

[0052] (2) After the client front-end computer receives the transaction request data message, first, check the verification address information in the message, and convert the transaction request data message into the standard format of the docking system after confirming that the identity is legal;

[0053] Then, record the original transaction message and add time information to prevent possible denial by any party, and at the same time, gener...

Embodiment 2

[0071] In this embodiment, the processing system for business docking between an enterprise and a bank of the present invention is used to complete the processing flow of the payment confirmation business initiated by the bank, such as Figure 4 shown, the steps include:

[0072] (1) For payment confirmation business, in the online banking products of commercial banks, customer A submits an instruction in the state of "to be authorized" to the banking system in the browser. According to the pre-set conditions of the banking system, This transaction needs to be authorized by corporate customer B, and the banking system sends the transaction to the bank-enterprise docking module. (such as futures trading)

[0073] (2) The bank-enterprise docking module receives the instruction from the online banking system and records the log.

[0074] (3) Organize the message according to the standard interface of the bank-enterprise docking module, and perform encryption processing.

[007...

Embodiment 3

[0081] In this embodiment, the processing system for business docking between an enterprise and a bank of the present invention is used to complete the processing flow of the notification-type transaction business initiated by the bank, such as Figure 5 shown, the steps include:

[0082] (1) The bank-enterprise docking module classifies the customer data of the corporate customers who have applied for the bank's active notification service according to the branch of the company, sorts and saves it in the customer data table of the bank's back-end business system.

[0083] (2) In the bank's back-end business system, when a transaction occurs in the corporate account, the back-end business system records the detailed information of the transaction and account information (such as current balance, available balance) and time in the data table dedicated to active notification. At the same time, the background business system regularly polls the customer data table, and actively s...

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Abstract

The system consists of client-side used to generate transition request instruction, and to send out the request after encryption; the module for connecting banks to enterprises used to control the communication between banks and enterprises; server side used to generate respond data message according to the instruction sent by module for connecting banks to enterprises, and send the message to client-side. The client-side above includes a client-side front-end processor. The security authentication unit is composed of digital certificate, digital encryption and digital signature.

Description

technical field [0001] The invention relates to a system for realizing business processing between banks and companies (enterprises) by using the Internet, in particular to a processing system for business docking between enterprises and banks. Background technique [0002] In today's society, with the improvement of the informatization level of group enterprises and the transformation of business philosophy, enterprises have realized automatic processing of enterprise accounts, transactions, daily fund settlement, scheduling, and accounting through the internal enterprise financial system. At the same time, various commercial banks and financial institutions have launched their own electronic banking systems (mainly including online banking systems, dedicated application systems using dedicated lines or dial-up telephones, etc.), enabling enterprises to stay at home. Enter the electronic banking system of commercial banks through dedicated lines or the Internet to implement...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L9/32H04L12/46
Inventor 陈皓王军汪国强余彤王海霞王家业安海亭熊志正章翔芝祁伟毕宏怡朱睿杜云凤张稚敏卢波孙德剑
Owner BANK OF CHINA
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