Business processing method, device and electronic device based on open banking model

Abstract

The embodiments of the present application disclose a business processing method, device, and electronic device based on the open banking model. The method includes: receiving a billing contract sent by a business client, the billing contract containing information about the payee's account; sending a query request to the open banking service system, the query request is used to instruct the open banking service system to query the account flow data of the payee's account from the bank system, the open banking service system has the authority to query the account flow of the contracted bank account from the bank system, and the payee account has signed a contract with the bank system in advance through the open banking service system; matching the account flow data returned by the open banking service system with the billing contract, and updating the business status of the billing contract based on the matching result. The embodiments of the present application can improve the intelligent performance of the business system.

Description

Technical Field

[0001] The present application relates to the field of Internet technology, and specifically to a business processing method, device, and electronic device based on an open banking model. Background Art

[0002] Corporate finance refers to the movement of value during a company's production process. Essentially, it's the movement of funds throughout the production process, reflecting the company's diverse economic relationships. Therefore, corporate financial management is a particularly complex undertaking. With the development of internet technology, corporate financial management is becoming increasingly platform-based and intelligent. A variety of intelligent business systems for corporate financial management have emerged, providing basic financial management functions such as account inquiries, remittances, and detailed inquiries.

[0003] Due to the extreme privacy inherent in banking systems, existing business systems cannot currently connect to these systems. This prevents certain financial functions from achieving true intelligence. For example, corporate payment verification still requires manual verification of received funds and linking them to corresponding corporate orders in the business system. Therefore, improving the intelligent performance of corporate financial management remains a challenge that those skilled in the art must continuously research and address. Summary of the Invention

[0004] To solve the above technical problems, the embodiments of the present application provide a business processing method based on the open banking model, a business processing device based on the open banking model, an electronic device, a computer-readable storage medium, and a computer program product.

[0005] According to one aspect of an embodiment of the present application, a business processing method based on an open banking model is provided, including: receiving a billing contract sent by a business client, the billing contract containing information of a payee account; sending a query request to an open banking service system, the query request being used to instruct the open banking service system to query the account flow data of the payee account from the bank system, the open banking service system having the authority to query the account flow of a contracted bank account from the bank system, and the payee account is pre-contracted with the bank system through the open banking service system; matching the account flow data returned by the open banking service system with the billing contract, and updating the business status of the billing contract based on the matching result.

[0006] According to one aspect of an embodiment of the present application, a business processing device based on an open banking model is provided, including: a billing contract receiving module, configured to receive a billing contract sent by a business client, the billing contract containing information of a payee's account; an account flow query module, configured to send a query request to an open banking service system, the query request being used to instruct the open banking service system to query the account flow data of the payee's account from the bank system, the open banking service system having the authority to query the account flow of a contracted bank account from the bank system, the payee account having signed a contract with the bank system in advance through the open banking service system; a business status update module, configured to match the account flow data returned by the open banking service system with the billing contract, and update the business status of the billing contract based on the matching result.

[0007] According to one aspect of an embodiment of the present application, a business processing system based on an open banking model is provided, comprising: a business system, an open banking service system and a bank system, wherein: the business system sends a query request to the open banking service system based on a billing contract sent by a business client, and the billing contract contains information about a payee's account; the open banking service system responds to the query request and queries the account flow data of the payee's account from the bank system, and the open banking service system has the authority to query the account flow of a contracted bank account from the bank system, and the payee account is pre-signed with the bank system through the open banking service system; the business system matches the account flow data returned by the open banking service system with the billing contract, and updates the business status of the billing contract based on the matching result.

[0008] According to one aspect of an embodiment of the present application, an electronic device is provided, comprising: one or more processors; a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the electronic device implements the business processing method based on the open banking model as described above.

[0009] According to one aspect of an embodiment of the present application, a computer-readable storage medium is provided, on which computer-readable instructions are stored. When the computer-readable instructions are executed by a processor of a computer, the computer executes the business processing method based on the open banking model as described above.

[0010] According to one aspect of an embodiment of the present application, a computer program product is also provided, including a computer program, which, when executed by a processor, implements the business processing method based on the open banking model as described above.

[0011] In the technical solution provided in the embodiments of the present application, the business processing method based on the open banking model can be applied to business systems for corporate financial management, so that after receiving the billing contract sent by the business client, the business system sends a query request to the open banking service system. Since the open banking service system has the authority to query the account flow from the target bank system corresponding to the payee's account, it can obtain the account flow data returned by the open banking service system, and match these account flow data with the billing contract sent by the business client, and update the business status of the billing contract according to the matching results, thereby automatically executing the business status update process for the account contract sent by the business client, thereby improving the intelligent performance of the business system.

[0012] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] The accompanying drawings are incorporated into and constitute a part of the specification, illustrating embodiments consistent with the present application and, together with the specification, serving to explain the principles of the present application. It is obvious that the drawings described below are merely some embodiments of the present application, and a person of ordinary skill in the art can derive other drawings based on these drawings without inventive effort. In the drawings:

[0014] Figure 1 It is a schematic diagram of an implementation environment involved in this application;

[0015] Figure 2 This is a flowchart of a business processing method based on the open banking model shown in an exemplary embodiment of the present application;

[0016] Figure 3 This is a flow chart of an exemplary parameter item-by-item matching process;

[0017] Figure 4 This is an exemplary diagram of the intelligent payment recognition process based on the open banking model;

[0018] Figure 5 is a schematic diagram of an exemplary user interface of a business client;

[0019] Figure 6 is a schematic diagram of another exemplary user interface of a business client;

[0020] Figure 7 is Figure 2 A flowchart of another business processing method based on the open banking model proposed on the basis of the illustrated embodiment;

[0021] Figure 8This is a schematic diagram of the bank account signing process in an exemplary application scenario;

[0022] Figure 9 This is a schematic diagram of the bank account signing process in another exemplary application scenario;

[0023] Figure 10 This is a block diagram of a business processing device based on an open banking model, shown in an exemplary embodiment of the present application;

[0024] Figure 11 A schematic diagram of the structure of a computer system suitable for implementing an electronic device according to an embodiment of the present application is shown. DETAILED DESCRIPTION

[0025] Exemplary embodiments will be described in detail herein, with examples illustrated in the accompanying drawings. When the following description refers to the drawings, identical numerals in different figures represent identical or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments are not intended to represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

[0026] The block diagrams shown in the accompanying drawings are merely functional entities and do not necessarily correspond to physically separate entities. That is, these functional entities may be implemented in software, in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0027] The flowcharts shown in the accompanying drawings are for illustrative purposes only and do not necessarily include all contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps may be decomposed, while others may be combined or partially combined. Therefore, the actual execution order may vary depending on the actual situation.

[0028] In this application, "plurality" refers to two or more. "And / or" describes the relationship between related objects, indicating that three possible relationships exist. For example, "A and / or B" can mean: A exists alone, A and B exist simultaneously, and B exists alone. The character " / " generally indicates that the related objects are in an "or" relationship.

[0029] As mentioned above, how to improve the intelligent performance of business systems used for enterprise financial management is a problem that technical personnel in this field need to continuously study and solve.

[0030] To address this issue, the industry has proposed a "bank-enterprise direct connection" online banking model. This model aims to directly connect an enterprise's internal systems with the bank's system via the internet or dedicated lines, providing corporate customers with electronic channels for financial services such as account inquiries, detailed inquiries, transfers, and electronic receipts. This helps enterprises achieve unified account management, unified funds allocation, and real-time data storage, thereby improving corporate financial management efficiency and meeting their personalized online banking needs. However, implementing this "bank-enterprise direct connection" model requires banks to invest heavily in developing banking systems, resulting in high costs for enterprises. It also requires enterprises to spend a lot of money to deploy and maintain specialized equipment, resulting in high costs for enterprises and making it difficult to promote and adopt across the enterprise.

[0031] The industry has also proposed the concept of an "open banking" online banking business model, which aims to enable banks to share data with third parties using open API (Application Programming Interface) technology with user authorization within the scope permitted by regulations. That is, the bank's financial service capabilities and financial data will be opened and shared with third parties, thereby providing financial service solutions that are easier to access, easier to use, and provide a better experience.

[0032] Based on the concept of open banking, the inventors of this application have a unique idea: the open banking model can be integrated into the business system for corporate financial management, so as to further improve the intelligent performance of the business system with the help of the open performance of the open banking model. For example, the open bank should have open query performance, based on which account flow can be automatically queried, and the queried account flow can be used as input for the intelligent matching algorithm to automatically associate the bills receivable of the business system to solve the problem of low efficiency caused by the semi-intelligent payment recognition of the enterprise through the business system. Therefore, the embodiments of this application respectively propose a business processing method, device, system, electronic device, computer-readable storage medium and computer program product based on the open banking model. These embodiments will be introduced in detail below.

[0033] See also Figure 1 , Figure 1 This is a schematic diagram of an implementation environment involved in this application. The implementation environment is specifically a business processing scenario based on the open banking model. The implementation environment includes: Figure 1 As shown, the business system 101, the open banking service system 102 and the banking system 103 can communicate with each other via wired or wireless means, as well as between the business system 101 and the open banking service system 102 and the banking system 103.

[0034] exist Figure 1In the implementation environment shown, the business system 101 is used to provide financial management functions for users. For example, the business system 101 can provide users with basic financial management functions such as account inquiry, transfer and remittance, and detailed inquiry. It can also provide intelligent functions such as intelligent recognition that cannot be provided by existing technologies. With the help of the open performance of the open banking model, it has higher intelligent performance and brings better financial management experience to users. In actual application scenarios, the business system 101 can be implemented through a server. The server can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services, which is not limited here. The business system 101 can access multiple clients for users to use. The client can be an application client or a web client, which is not limited here.

[0035] The Open Banking Service System 102 is a service system based on the Open Banking model. It can also be understood as a third party, used to implement the functional applications of the Open Banking model in practical application scenarios. For example, it utilizes the bank's open API technology to enable data sharing with the banking system 103 and communicates with the business system 101 to deliver banking business data to users. The detailed functions of the Open Banking Service System 102 are not limited here. It should be noted that data sharing between the Open Banking Service System 102 and the banking system 103 typically requires user authorization within the banking system to ensure the security of banking services. The Open Banking Service System 102 can also be implemented as a server, such as a standalone physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms. This is not a limitation here either.

[0036] It should be understood that cloud technology refers to a hosting technology that unifies hardware, software, network, and other resources within a wide area network (WAN) or local area network (LAN) to enable data computing, storage, processing, and sharing. Cloud technology also encompasses network, information, integration, management platform, and application technologies used in the cloud computing business model. It can form a resource pool for on-demand, flexible, and convenient use. The open banking service system 102 provided in this implementation environment can be implemented as a cloud platform to more flexibly provide open banking-based business services to different business systems 101.

[0037] The bank system 103 can be understood as an internal bank system with extremely high security performance. It can also be understood as an internal bank system that the open banking service system 102 accesses with user authorization. Compared with the open banking service system 102, the bank system usually includes internal bank systems owned by multiple banks, which is equivalent to multiple banks opening and sharing their internal data with the open banking service system 102, thereby giving the open banking service system 102 third-party capabilities. Generally speaking, due to the high privacy of banking business, the management system deployed by the bank to manage banking business data should also have a high degree of privacy. Therefore, the management system deployed by the bank is called the bank's internal system, for example Figure 1 The internal systems of banks A to D shown in the figure each belong to a different bank, and thus the internal systems of each bank are independent of each other. In actual application scenarios, the bank system 103 can be implemented as an independent physical server, or as a server cluster or distributed system composed of multiple physical servers, or as a cloud server providing basic cloud computing services, which is not limited here.

[0038] according to Figure 1 As can be seen from the illustrated implementation environment architecture, the open banking service system 102 typically has authorization from corresponding users in multiple banking systems 103. This allows the business system 101 to access business data within the banking system 103 through the third-party capabilities of the open banking system 102. Based on this acquired business data, the business system 101 can implement more intelligent business functions, such as intelligent payment verification, eliminating the need for manual confirmation of payment and subsequent modification of bill information in the business system 101. Of course, in actual application scenarios, the business system 101 can also implement corresponding functions based on actual needs, and this is not a limitation here.

[0039] Compared with the business model of "direct connection between banks and enterprises", the business processing solution based on the open banking model proposed in the embodiment of the present application is to use the special ability of banks to open and share internal data to third parties under the open banking model to link the business system and third parties together to realize the automatic acquisition and processing of business data in the business system. On the one hand, it can further improve the intelligent performance of the business system. On the other hand, there is no need for banks to invest high costs to develop banking systems, nor is there a need to deploy and maintain special equipment within the enterprise. For enterprises, the cost of use is greatly reduced. Therefore, the business processing solution based on the open banking model proposed in the embodiment of the present application will also have a higher promotion and use performance.

[0040] Figure 2 This is a flowchart of a business processing method based on the open banking model shown in an exemplary embodiment of the present application. This method can be applied to Figure 1 The implementation environment shown and Figure 1The business system 101 in the illustrated implementation environment specifically performs the above operations. Of course, the method can also be applied to other implementation environments and executed by devices in other implementation environments, and this embodiment does not limit this.

[0041] The following will Figure 1 The business system 101 in the implementation environment shown is used as the specific execution subject to describe the method in detail. Figure 2 As shown, in an exemplary embodiment, the method may include steps S210 to S250, which are described in detail as follows:

[0042] Step S210: receiving a billing contract sent by the service client, wherein the billing contract includes a payee account.

[0043] First, it should be noted that a business client refers to a client that accesses a business system. It can be an application client or a web client, and is used to provide a specific business operation interface for users of the business system. For example, if the business system is an enterprise's financial management system, the business client can be, for example, a client program used by a salesperson in that enterprise. In addition to enterprise users, business systems can also be used by individual users. For example, users engaged in self-employment also have a variety of financial management needs. Therefore, this embodiment does not limit the scope of use of the business system.

[0044] The billing contract sent by the business client to the business system is generated based on the contract information entered by the user. In actual application scenarios, a billing contract typically corresponds to one or more business orders between a payee and a payer. For example, a billing contract typically includes information such as the payer's account number (payer_number), payer's account name (payer_name), payment amount (amount), arrival time (pay_time), a postscript (attachment), payee's account number (payee_number), and payee's account name (payee_name). This is not limited to the following information. The postscript refers to notes added to the billing contract and is optional. The billing contract contains the payee's account number (payee_number) and payee's account name (payee_name), which serve as the payee's account information.

[0045] Step S230: Send a query request to the open banking service system, where the query request is used to instruct the open banking service system to query the account flow data of the payee's account from the bank system.

[0046] After receiving the billing contract from the business client, the business system sends a query request to the open banking service system, which responds to the query request and queries the account transaction data of the payee's account from the bank system. The bank system refers to the bank to which the payee's account belongs.

[0047] It should be noted that the Open Banking Service System is a service system developed based on the Open Banking model and has the authority to query the account transactions of contracted bank accounts from the banking system. Therefore, in this embodiment, the payee account has pre-signed a contract with the corresponding banking system through the Open Banking Service System, which enables the Open Banking Service System to query the account transaction data of the payee account from the banking system. The process of signing a contract between the payee account and the banking system through the Open Banking Service System will be described in subsequent embodiments and will not be elaborated here. Based on the signing process, the Open Banking Service System obtains the authority to query the account transactions of the payee account from the banking system.

[0048] For example, the business system can generate a scheduled task based on a received billing contract. By executing this scheduled task, it can periodically send query requests to the open banking service system, allowing the open banking service system to periodically query the bank system for the payee's corresponding account transaction data. Although the account contract stipulates the arrival time of the payment amount, the payee cannot be sure whether the payer will pay on time. Therefore, using a scheduled query to retrieve bank account transaction data can meet actual application needs and ensure that the open banking service system can obtain the account transaction data corresponding to the billing contract.

[0049] Step S250: Match the account transaction data returned by the open banking service system with the billing contract, and update the business status of the billing contract according to the matching result.

[0050] After the open banking service system queries the account flow data of the payee's account, it will return the queried account flow data to the business system. Since the queried account flow data is not necessarily the amount corresponding to the billing contract, for example, the payee account receives other deposits during the query process, the business system needs to match the account flow data returned by the open banking system with the billing contract to determine whether the pulled account flow matches the billing contract, and automatically update the business status of the billing contract based on the matching results, so as to reflect the bill progress corresponding to the billing contract through the updated business status. For example, the business status can indicate whether the billing contract has been recognized, thereby automatically realizing the recognition process in the business system, that is, making the recognition process truly intelligent in the business system.

[0051] It should be understood that the payment confirmation mentioned in the embodiments of the present application means that after the operator's bank account receives the payment, it must be associated with the corresponding order on the business system. Therefore, payment confirmation is the basis for the operator's business processes such as delivery and write-off of accounts receivable.

[0052] For example, the business system may match the transaction parameters contained in the received account transaction data with the multiple contract parameters contained in the billing contract item by item in a preset matching order. If the matching result indicates that multiple parameters are matched, it means that the account transaction matches the billing contract to be processed in the business system, and it can be confirmed that the payment of the billing contract has been completed, and the business status of the billing contract is updated to the payment received status.

[0053] The account transaction data retrieved by the Open Banking Service System from the bank system may also include contract parameters such as payer account number (payer_number), payer name (payer_name), payment amount (amount), arrival time (pay_time), postscript (attachment), payee account number (payee_number), and payee name (payee_name). This allows for item-by-item matching with the contract parameters contained in the billing contract. The postscript parameter included in the account transaction data is also optional.

[0054] Figure 3 This is a flow chart of an exemplary parameter matching process. Figure 3 As shown, the preset matching order is, for example: for the flow parameters contained in the account flow data and the contract parameters contained in the account contract, first match whether the payer account number and the payer name (i.e. the payer account information) of the two are consistent. If they are consistent, then continue to match whether the payment amounts of the two are consistent. If they are consistent, then continue to match whether the arrival time of the amount is consistent. The consistency of the arrival time should mean that the difference between the arrival time contained in the account flow data and the arrival time contained in the billing contract should be within the specified time difference range. If the comparison is consistent, a matching result is obtained in which multiple parameters are matched, thereby automatically updating the business status of the billing contract to the received status. The received status indicates that the billing contract has completed the corresponding payment. If there is any parameter comparison inconsistency, a matching result in which multiple parameters are not matched is obtained, then the business status of the billing contract can be updated to an abnormal state to prompt that the billing contract has an abnormality in the payment recognition process, and end the process of parameter matching for the account flow data and the billing contract.

[0055] If the account transaction data includes a postscript parameter, the matching process described above should also include a process for matching the postscript parameter. Specifically, if the postscript parameter included in the account transaction data is referred to as a transaction postscript parameter, the transaction postscript parameter includes the A / R document number. This A / R document number is the document identifier corresponding to the A / R document generated by the business system based on the billing contract after receiving the billing contract, and can also be called a document ID. It can be seen that the business system obtains a document identifier by generating the A / R document corresponding to the billing contract. The payer uses this document identifier as postscript information when making a payment, allowing the document identifier to further improve the accuracy of billing contract payment recognition.

[0056] In another embodiment, after the business system updates the business status of the billing contract to the payment received status, it also generates a receipt corresponding to the billing contract based on the account flow data and the updated business status of the billing contract, and returns the generated receipt to the business client. The receipt reminds the user that the billing contract entered by the user has been confirmed, and the generated receipt is equivalent to a receipt generated for the business client, thereby improving the user experience.

[0057] Figure 4 This is an exemplary diagram of the intelligent payment recognition process based on the open banking model. Figure 4 As shown, suppose a business operator enters billing contract information using a business client. The business system receives the billing contract information and generates an A / R document corresponding to the billing contract, obtaining the document number. Next, if the business system determines that the payee account is a contracted bank account, it generates a scheduled task. This scheduled task periodically sends a query request to the Open Banking Service System, requesting the account transaction data corresponding to the payee account from the payer's bank system. When the payer's payment cycle arrives, its finance department will pay the payee account. Once the payer completes the payment, the Open Banking Service System, based on the received query request, retrieves the account transaction data from the bank system and returns it to the business system. The business system then matches each parameter in the account transaction data with the parameters in the billing contract. If a match is found, the business status of the billing contract is automatically updated to "Payment Received" and a receipt is generated and returned to the business client.

[0058] Figure 5 and Figure 6 This is a schematic diagram of an exemplary user interface of a business client, which is a user operation page of smart payment recognition. Figure 5 As shown in the figure, by querying the bank account and customer name, you can get the list of bill contracts associated with the customer, and display the payment status of each bill contract. Each bill contract supports viewing the contract details and receipt, where the receipt is returned to the business client by the business system. Figure 5 As can be seen from the content shown, after receiving the receipt, each bill contract can automatically update the payment status to paid. Figure 5 The first billing contract shown in the figure may not update the payment confirmation status to "Confirmed", but instead add a function for the user to manually update the payment confirmation status, for example, the user clicks "View" Figure 5 After the details of the second bill contract are displayed, the business client jumps to display Figure 6The user interface shown displays detailed information about the bill contract and includes a "Confirm Payment" button. Clicking this button updates the payment confirmation status to "Confirmed." While the latter method requires manual confirmation, the user's reference information is still automatically obtained by the business system based on the Open Banking service system, making the confirmation process intelligent.

[0059] It can be seen that the entire payment confirmation process only requires the corporate salesperson to enter the billing contract into the business system. The specific payment confirmation operations are automatically implemented by the business system through the third-party data capabilities of the open banking service system, thereby realizing intelligent payment confirmation and solving the problem in the existing technology that the billing contract can only be manually changed to the confirmed status in the business system.

[0060] Therefore, in the technical solution proposed in the embodiment of the present application, with the help of the authority of the open banking service system to query the account flow data of the contracted bank account from the bank system, the process of intelligent payment recognition can be realized in the business system, thereby improving the intelligent performance of the business system. And compared with the existing "bank-enterprise direct connection" business solution, the technical solution proposed in the embodiment of the present application is for corporate users to access the open banking service system in the form of Internet communication, and perform user operations through the user interface provided by the business system, which can obtain a better user experience at a lower usage cost. In addition, the technical solution provided in the embodiment of the present application does not limit the payer to the payment method used by the payee to pay the amount to the payee's account, and the solution is more flexible.

[0061] Figure 7 is Figure 2 Flowchart of another business processing method based on the open banking model proposed on the basis of the embodiment shown. Figure 7 As shown, the method further includes steps S710 to S730 before step S210, which are described in detail as follows:

[0062] Step S710: In response to the contract signing request sent by the configuration client, a contract signing is initiated to the open banking service system. The contract signing request includes information about the bank account to be signed.

[0063] The configuration client refers to the client used to initiate the bank account signing requirement. In some application scenarios, the configuration client and the business client can be the same client, so the configuration client can be an application client or a web client, which is not limited in this embodiment.

[0064] The configuration client includes a user interface for initiating contract signing. Users use this interface to send a bank account contract signing request to the business system. The contract signing request should include information about the bank account to be signed. The bank account to be signed is also known as the payee account, and can also be understood as the bank account associated with the business system. For example, if the business system is used by Enterprise A to manage its finances, the bank account to be signed should be a bank account owned by Enterprise A.

[0065] In response to the contract signing request sent by the configuration client, the business system initiates the contract signing with the open banking service system. That is, the contract signing of the bank account needs to be implemented based on the open banking service system. For the detailed implementation process, please refer to the subsequent description.

[0066] Step S730 , based on the contract signing process preset in the open banking service system, execute the contract signing operation with the target bank system to which the bank account to be signed belongs through the open banking service system.

[0067] Based on the signing process preset in the open banking service system, the business system executes the signing operation with the target bank system to which the bank account to be signed belongs through the open banking service system. That is, the business system realizes the signing of the bank account with the support of the open banking service system, thereby adding its own bank account to the open banking model, and then enjoying the beneficial effects brought by the open banking model.

[0068] In an exemplary embodiment, after the business system initiates a contract signing process with the open banking service system regarding a pending bank account, the open banking service system returns a contract signing address link to the business system, where the contract signing address link is an address link used to direct the user to the contract signing page provided by the open banking service system. For example, the contract signing address is represented by sign_url = SM2 (contract signing order number, sm4 (bank account number and account name to be signed), contract signing initiation time, service system public key), where the contract signing order number is the ID identifier for this contract signing process, and the service system public key is the public key information generated by the open banking service system based on the public-private key authentication system. The public key is used in conjunction with the private key and is typically used to verify the legitimacy of the identity.

[0069] The business system guides the configuration client to jump to the signing page indicated by the signing address link based on the signing address link returned by the open banking service system. Since the signing address carries the service system public key, the configuration client can successfully verify the identity legitimacy based on the public key when accessing the signing page, thereby successfully jumping to the signing page.

[0070] Based on the contract signing page redirected in the configuration client, the user enters the contract signing information on this page. Based on the entered contract signing information, the Open Banking Service System invokes the authorization interface of the target bank system to which the contracting account belongs to obtain query access to the target bank system. After obtaining query access, the Open Banking Service System returns the contracting account identifier to the business system. This identifier is a contract signing tag assigned by the Open Banking Service System to the contracting account. The business system can subsequently use this contract signing tag to query relevant information about the corresponding bank account.

[0071] It should be noted that after the Open Banking Service System calls the authorization interface, it sends the authorization address returned by the target bank system to the configuration client, allowing the configuration client to access the authorization address for authorization. Generally speaking, the authorization address corresponds to the online banking page, and the configuration terminal enters the user's online banking key to perform authorization. After successful authorization, the Open Banking Service System receives the authorization type information sent by the target bank system and requests the target bank system's authorization certificate based on the authorization type information to obtain query permission for the target bank system. Exemplarily, the Open Banking Service System calls the interface provided by the target bank system that converts the authorization certificate using the authorization type information, and obtains the authorization certificate converted by the target bank system by inputting the authorization type information.

[0072] For example, the authorization address link returned by the open banking service system to the configuration client is: oauth_url=https: / / xxx / oauth2 / authorize?client_id=xxx&redirect_uri=xxx&response_type=code&state=xxx&scope=xxx. For the interpretation of each parameter in the authorization address link, please refer to Table 1 below:

[0073]

[0074]

[0075] Table 1

[0076] Figure 8 This is a schematic diagram of the bank account signing process in an exemplary application scenario. Figure 8 As shown, the corporate finance department configures the client, enters the bank account and initiates a contract signing request. The business system then initiates the contract signing for the bank account to the open banking service system.

[0077] After receiving the contract signing request, the Open Banking Service System returns a contract signing link to the business system. The business system returns this link to the configuration client, directing the corporate finance department to click on it and be redirected to the contract signing page provided by the Open Banking Service System. The corporate finance department confirms the contract signing information displayed on the contract signing page, selects contract signing permissions, and initiates the contract signing with the bank. The Open Banking Service System calls the target bank's authorization interface based on the bank account initiated by the corporate finance department, and the target bank system then returns the authorization link.

[0078] The corporate finance department will see the authorization address link on the contract signing page and click it to redirect to the online banking authorization page. The bank can then authorize the contract signing by inserting the corporate online banking key device or performing other authorization procedures. After successful authorization, the target bank's system returns the authorization type information code to the Open Banking Service System. The Open Banking Service System then calls the target bank's authorization type to authorization token conversion API (code to access_token API, also known as the authorization interface) to obtain the corporate authorization token, the access_token.

[0079] After the open banking service system obtains the authorization certificate access_token, it generates the contracted bank ID of this contracted bank account and binds the contracted bank ID with the authorization certificate access_token. It then returns the contracted bank ID to the business system to notify the business system that the bank account has been successfully signed, so that subsequent business systems can use the contracted bank ID to query relevant information, thereby realizing intelligent business functions.

[0080] Figure 9 This is a schematic diagram of the bank account signing process in another exemplary application scenario. Figure 9 As shown, after the open banking service system calls the authorization interface, it sends the authorization address link returned by the target bank system to the configuration client, so that the configuration client accesses the authorization address link for authorization. After the authorization is successful, the open banking service system receives the notification information callback from the target bank system, and responds to the notification information to query the contract status of the bank account to be signed in the target bank system. When the contract status indicates that the contract is successful, it is determined that the query authority of the target bank system is obtained.

[0081] exist Figure 9The bank account signing process shown here queries the signing status of a specific bank account by calling the bank signing status query interface provided by the banking system. This eliminates the need to convert authorization credentials using authorization type information, simplifying the process of obtaining query permissions. For third-party open banking service systems, this simplified process can significantly reduce server resource processing pressure in practice, resulting in improved system performance, better data services for business systems, and ultimately a better user experience.

[0082] Figure 10 This is a block diagram of a business processing device based on the open banking model shown in an exemplary embodiment of the present application. Figure 1 The implementation environment shown in FIG. 1 can be specifically configured in the business system 101. Figure 10 As shown, the device includes:

[0083] The billing contract receiving module 1001 is configured to receive the billing contract sent by the business client, and the billing contract contains the information of the payee's account; the account flow query module 1003 is configured to send a query request to the open banking service system, and the query request is used to instruct the open banking service system to query the account flow data of the payee's account from the bank system. The open banking service system has the authority to query the account flow of the contracted bank account from the bank system, and the payee's account has signed a contract with the bank system in advance through the open banking service system; the business status update module 1005 is configured to match the account flow data returned by the open banking service system with the billing contract, and update the business status of the billing contract based on the matching result.

[0084] In another exemplary embodiment, the service status updating module 1005 includes:

[0085] The parameter matching unit is configured to match the transaction parameters contained in the account transaction data with the multiple contract parameters contained in the billing contract item by item according to a preset matching order; the business status updating unit is configured to update the business status of the billing contract to the payment received status if the matching result indicates that multiple parameters are matched.

[0086] In another exemplary embodiment, the service status updating module 1005 further includes:

[0087] The receipt generation unit is configured to generate a receipt corresponding to the billing contract based on the account flow data and the business status after the billing contract is updated; the receipt return unit is configured to return the receipt to the business client to indicate that the billing contract has been confirmed.

[0088] In another exemplary embodiment, the account transaction data includes a transaction note parameter, and the transaction note parameter includes the receivable document number; the business status update module 1005 further includes:

[0089] The postscript parameter matching unit is configured to match the A / R document number contained in the transaction postscript parameter with the A / R document number corresponding to the billing contract. The A / R document number corresponding to the billing contract is the document ID of the A / R document generated based on the billing contract.

[0090] In another exemplary embodiment, the account flow query module 1003 includes:

[0091] The scheduled task generation unit is configured to generate a scheduled task based on the received billing contract; the scheduled task execution unit is configured to execute the scheduled task to regularly send a query request to the open banking service system to instruct it to query the account flow data corresponding to the payee account from the bank system.

[0092] In another exemplary embodiment, the apparatus further comprises:

[0093] The signing initiation module is configured to initiate a signing to the open banking service system in response to a signing request sent by the configuration client, and the signing request includes information about the bank account to be signed; the signing execution module is configured to execute the signing operation through the open banking service system with the target bank system to which the bank account to be signed belongs based on the signing process preset in the open banking service system.

[0094] In another exemplary embodiment, the contract execution module includes:

[0095] The jump guidance unit is configured to guide the configuration client to jump to the signing page indicated by the signing address link according to the signing address link returned by the open banking service system; the signing account identifier receiving unit is configured to receive the signing account identifier returned by the open banking service system, wherein the signing account identifier is generated by the open banking service system after calling the authorization interface of the target bank system to obtain query authority to the target bank system based on the signing information entered in the signing page.

[0096] In another exemplary embodiment, after the open banking service system calls the authorization interface, it sends the authorization address link returned by the target banking system to the configuration client, so that the configuration client accesses the authorization address link for authorization. After the authorization is successful, the open banking service system receives the authorization type information sent by the target banking system, and requests the authorization certificate of the target banking system based on the authorization type information to obtain the query permission of the target banking system.

[0097] In another exemplary embodiment, after the open banking service system calls the authorization interface, it sends the authorization address link returned by the target bank system to the configuration client, so that the configuration client accesses the authorization address link for authorization. After the authorization is successful, the open banking service system receives the notification information callback from the target bank system, and responds to the notification information to query the contract status of the bank account to be signed in the target bank system. When the contract status indicates that the contract is successful, it determines that the query authority of the target bank system is obtained.

[0098] It should be noted that the business processing device based on the open banking model provided in the above embodiment and the business processing method based on the open banking model provided in the above embodiment are based on the same concept. The specific manner in which each module and unit performs operations has been described in detail in the method embodiment and will not be repeated here. In actual applications, the business processing device based on the open banking model provided in the above embodiment can, as needed, allocate the above functions to different functional modules, that is, divide the internal structure of the device into different functional modules to complete all or part of the functions described above, and this is not limited here.

[0099] An embodiment of the present application also provides a business processing system based on an open banking model, including a business system, an open banking service system and a bank system, wherein: the business system sends a query request to the open banking service system based on the billing contract sent by the business client, and the billing contract contains information about the payee's account; the open banking service system responds to the query request and queries the account flow data of the payee's account from the bank system. The open banking service system has the authority to query the account flow of the contracted bank account from the bank system, and the payee's account is pre-signed with the bank system through the open banking service system; the business system matches the account flow data returned by the open banking service system with the billing contract, and updates the business status of the billing contract based on the matching results.

[0100] The business system also initiates a contract signing with the open banking service system in response to the contract signing request sent by the configured client. The contract signing request includes information about the bank account to be signed, and based on the contract signing process preset in the open banking service system, executes the contract signing operation through the open banking service system with the target bank system to which the bank account to be signed belongs.

[0101] It should be noted that the business processing system based on the open banking model provided in the above embodiment and the business processing method based on the open banking model provided in the above embodiment also belong to the same concept, and the specific way in which each system performs operations has been described in detail in the method embodiment and will not be repeated here.

[0102] An embodiment of the present application also provides an electronic device, comprising: one or more processors; a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the electronic device implements the business processing method based on the open banking model provided in the above-mentioned embodiments.

[0103] Figure 11 The following is a schematic diagram showing the structure of a computer system suitable for implementing an electronic device according to an embodiment of the present application. Figure 11 The computer system 1100 of the electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0104] like Figure 11 As shown, the computer system 1100 includes a central processing unit (CPU) 1101, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 1102 or the program loaded from the storage part 1108 into the random access memory (RAM) 1103, such as executing the method described in the above embodiment. Various programs and data required for system operation are also stored in the RAM 1103. The CPU 1101, ROM 1102 and RAM 1103 are connected to each other via a bus 1104. An input / output (I / O) interface 1105 is also connected to the bus 1104.

[0105] The following components are connected to the I / O interface 1105: an input section 1106 including a keyboard, a mouse, and the like; an output section 1107 including devices such as a cathode ray tube (CRT), a liquid crystal display (LCD), and a speaker; a storage section 1108 including a hard disk; and a communication section 1109 including a network interface card such as a LAN (Local Area Network) card or a modem. The communication section 1109 performs communication processing via a network such as the Internet. A drive 1110 is also connected to the I / O interface 1105 as needed. Removable media 1111, such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, is installed in the drive 1110 as needed, so that computer programs read from the removable media can be installed in the storage section 1108 as needed.

[0106] In particular, according to an embodiment of the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present application includes a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a computer program for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 1109, and / or installed from a removable medium 1111. When the computer program is executed by the central processing unit (CPU) 1101, the various functions defined in the system of the present application are executed.

[0107] It should be noted that the computer-readable medium shown in the embodiments of the present application may be a computer-readable signal medium or a computer-readable storage medium or any combination of the two. The computer-readable storage medium may be, for example, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or component, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, which carries a computer-readable computer program. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, device, or component. The computer program embodied on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wired, etc., or any suitable combination of the foregoing.

[0108] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. Among them, each box in the flowchart or block diagram can represent a module, program segment, or part of the code, and the above-mentioned module, program segment, or part of the code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in an order different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0109] The units involved in the embodiments described in this application may be implemented by software or hardware, and the units described may also be set in a processor. In some cases, the names of these units do not constitute limitations on the units themselves.

[0110] Another aspect of the present application provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the aforementioned business processing method based on the open banking model. The computer-readable storage medium may be included in the electronic device described in the above embodiments, or may exist independently and not be incorporated into the electronic device.

[0111] Another aspect of the present application provides a computer program product or computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the business processing methods based on the open banking model provided in each of the above embodiments.

[0112] It is understandable that in the specific implementation of this application, related data such as the payee account, payer account, account transaction data, contracted bank account, etc. are involved. When the above embodiments of this application are applied to specific products or technologies, user permission or intention must be obtained, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.

[0113] The above content is only a preferred exemplary embodiment of the present application and is not intended to limit the implementation scheme of the present application. Ordinary technicians in this field can easily make corresponding changes or modifications based on the main ideas and spirit of the present application. Therefore, the scope of protection of the present application shall be based on the scope of protection required by the claims.

Claims

1. A business processing method based on an open banking model, characterized in that: include: Receiving a billing contract sent by a business client, wherein the billing contract includes information about a payee's account; Sending a query request to the open banking service system, the query request being used to instruct the open banking service system to query the account flow data of the payee's account from the bank system, the open banking service system having the authority to query the account flow data of the contracted bank account from the bank system, and the payee's account has previously signed a contract with the bank system through the open banking service system; The account transaction data returned by the open banking service system is matched with the bill contract, and the business status of the bill contract is updated according to the matching result.

2. The method according to claim 1, characterized in that The matching of the account transaction data returned by the open banking service system with the bill contract and updating the business status of the bill contract according to the matching result includes: Matching the transaction parameters contained in the account transaction data with the multiple contract parameters contained in the billing contract item by item according to a preset matching order; If the obtained matching result indicates that multiple parameters are matched, the business status of the billing contract is updated to the payment received status.

3. The method according to claim 2, characterized in that After updating the service status of the bill contract to a payment received status, the method further includes: Generate a receipt corresponding to the billing contract based on the account transaction data and the updated business status of the billing contract; The receipt is returned to the business client to indicate that the bill contract has been confirmed.

4. The method according to claim 2, characterized in that The account transaction data includes a transaction remark parameter, and the transaction remark parameter includes the account receivable document number; after matching the account transaction data with the multiple contract parameters included in the bill contract item by item according to a preset matching order, the method further includes: The A / R document number included in the transaction remark parameter is matched with the A / R document number corresponding to the billing contract, where the A / R document number corresponding to the billing contract is a document identifier of the A / R document generated according to the billing contract.

5. The method according to any one of claims 1 to 4, characterized in that The sending of the query request to the open banking service system includes: Generate scheduled tasks based on the received billing contract; The timing task is executed to regularly send a query request to the open banking service system, instructing to query the account flow data corresponding to the payee account from the bank system.

6. The method according to claim 1, wherein Before receiving the billing contract sent by the service client, the method further includes: In response to a contract signing request sent by the configuration client, initiating a contract signing with the open banking service system, wherein the contract signing request includes information about the bank account to be signed; Based on the contract signing process preset in the open banking service system, an operation of signing a contract with the target bank system to which the bank account to be signed belongs is executed through the open banking service system.

7. The method according to claim 6, characterized in that The operation of executing the contract signing operation with the target bank system to which the bank account to be signed belongs through the open banking service system based on the contract signing process preset in the open banking service system includes: According to the signing address link returned by the open banking service system, guiding the configuration client to jump to the signing page indicated by the signing address link; Receive the contract account identifier returned by the open banking service system, wherein the contract account identifier is generated by the open banking service system after calling the authorization interface of the target bank system to obtain query permission to the target bank system based on the contract information entered in the contract page.

8. The method according to claim 7, characterized in that After the open banking service system calls the authorization interface, it sends the authorization address link returned by the target banking system to the configuration client, so that the configuration client accesses the authorization address link for authorization. After the authorization is successful, the open banking service system receives the authorization type information sent by the target banking system, and requests the authorization certificate of the target banking system based on the authorization type information to obtain the query permission of the target banking system.

9. The method according to claim 7, characterized in that After the open banking service system calls the authorization interface, it sends the authorization address link returned by the target bank system to the configuration client, so that the configuration client accesses the authorization address link for authorization. After the authorization is successful, the open banking service system receives the notification information callback from the target bank system, and responds to the notification information to query the contract status of the bank account to be signed in the target bank system. When the contract status indicates that the contract is successful, it determines that the query authority of the target bank system is obtained.

10. A business processing system based on the open banking model, characterized in that: Including business systems, open banking service systems and banking systems, including: The business system sends a query request to the open banking service system according to the billing contract sent by the business client, wherein the billing contract includes information about the payee's account; In response to the query request, the open banking service system queries the account flow data of the payee account from the bank system. The open banking service system has the authority to query the account flow data of the contracted bank account from the bank system. The payee account has previously signed a contract with the bank system through the open banking service system. The business system matches the account transaction data returned by the open banking service system with the billing contract, and updates the business status of the billing contract according to the matching result.

11. The system according to claim 10, wherein: The business system also initiates a contract signing with the open banking service system in response to a contract signing request sent by the configured client. The contract signing request includes information of the bank account to be signed, and based on the contract signing process preset in the open banking service system, executes the contract signing operation through the open banking service system with the target bank system to which the bank account to be signed belongs.

12. A business processing device based on an open banking model, characterized in that: include: A bill contract receiving module configured to receive a bill contract sent by a business client, wherein the bill contract includes information about a payee's account; an account flow query module configured to send a query request to the open banking service system, the query request being used to instruct the open banking service system to query the account flow data of the payee account from the bank system, the open banking service system having permission to query the account flow data of the contracted bank account from the bank system, and the payee account having previously signed a contract with the bank system through the open banking service system; The business status update module is configured to match the account transaction data returned by the open banking service system with the bill contract, and update the business status of the bill contract according to the matching result.

13. An electronic device, characterized in that: include: one or more processors; A storage device for storing one or more programs, which, when executed by the one or more processors, enables the electronic device to implement the method according to any one of claims 1 to 9.

14. A computer-readable storage medium, characterized in that Computer-readable instructions are stored thereon, and when the computer-readable instructions are executed by a processor of a computer, the computer is caused to execute the method according to any one of claims 1 to 9.

15. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the method according to any one of claims 1 to 9 is implemented.

Images