Multi-protocol inter-bank financial data processing system and method

Abstract

The invention provides a multi-protocol inter-bank financial data processing system and method.The system comprises a general message entry system, a bank front-end processor system, a safety financial communication network, a message queue system and a bank core system.The method comprises the steps that financial data input by a user is obtained through a Web interface or a mobile application of the general message entry system; the server side of the general message entry system is used for preprocessing the financial data; performing protocol format conversion and data processing on the preprocessed financial data through a bank front-end processor system, wherein the protocol format conversion specifically uses a predefined conversion rule to convert a general protocol format of the financial data into a specific protocol format; transmitting the processed financial data to a corresponding bank core system through a message queue system; the bank core system is used for processing a transaction according to the processed financial data and generating a transaction result, the transaction result is returned to the bank front-end processor system through the message queue system, and then the transaction result is returned to a user through the bank front-end processor system.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and in particular to a multi-protocol inter-bank financial data processing system and method. Background Art

[0002] With the continuous development and integration of the global financial market, efficient, secure and accurate information exchange between banks has become increasingly important. The communication system between banks is the core infrastructure of the modern financial system, which ensures the smooth progress of key businesses such as inter-bank transactions, clearing and settlement, and risk management.

[0003] However, current interbank communications face many challenges: (1) Protocol diversity: Different countries and different banking systems adopt a variety of different communication protocols, such as SWIFT, ISO 20022, FIX, etc., which leads to interoperability issues between systems. (2) Inconsistent data formats: Various protocols use different data formats and encoding standards, which increases the complexity of data conversion and processing. (3) Security requirements: The sensitivity of financial data requires extremely high security standards, but the multi-protocol environment increases security risks. (4) Real-time requirements: Modern financial transactions require near real-time processing speeds, and protocol conversion may introduce delays. (5) Compliance challenges: Regulatory requirements vary from region to region and country to country, making it more difficult to ensure compliance in a multi-protocol environment. Summary of the invention

[0004] The technical problem to be solved by the present invention is how to improve the efficiency, security and flexibility of financial data exchange.

[0005] In order to solve the above technical problems, the present invention provides a multi-protocol inter-bank financial data processing system, comprising:

[0006] The universal message entry system adopts a unified data model, supports the entry of financial data of multiple protocols, provides a Web interface and mobile applications for users to input financial data, and pre-processes the financial data input by users through the server;

[0007] Bank front-end system, which performs protocol format conversion and data processing on financial data;

[0008] Secure financial communication network, which uses virtual private cloud technology to ensure network isolation and security, achieves end-to-end encryption, protects the security of financial data during transmission, and provides access control and identity authentication mechanisms;

[0009] Message queue system, which is used to implement asynchronous communication between system components and supports high concurrency processing;

[0010] The banking core system is seamlessly integrated with the bank's existing messaging system to process transactions based on financial data.

[0011] Furthermore, the general message entry system pre-processes the financial data input by the user through the server, including preliminary verification and formatting of the financial data.

[0012] Furthermore, the bank front-end system includes an integrated data storage component for temporarily storing and processing data.

[0013] Furthermore, the existing message systems that are seamlessly integrated into the bank's core system include the MT-message system and the MX-message system.

[0014] The present invention also provides a multi-protocol inter-bank financial data processing method, comprising the following steps:

[0015] A. Obtain the financial data input by the user through the web interface or mobile application of the general message entry system, and use the server of the general message entry system to pre-process the financial data;

[0016] B. Performing protocol format conversion and data processing on the pre-processed financial data through the bank front-end system, wherein the protocol format conversion specifically uses predefined conversion rules to convert the general protocol format of the financial data into a specific protocol format;

[0017] C. Transmit the processed financial data to the corresponding bank core system through the message queue system;

[0018] D. Use the bank's core system to process transactions and generate transaction results based on the processed financial data, return the transaction results to the bank's front-end system through the message queue system, and then transmit them back to the user through the bank's front-end system.

[0019] Furthermore, in step A, the financial data is preprocessed, including preliminary verification and formatting of the financial data.

[0020] Furthermore, in the step B, the pre-processed financial data is temporarily stored by the bank front-end system.

[0021] Furthermore, in step C, a secure financial communication network is used to perform data verification and security checks when transmitting financial data; in step D, a secure financial communication network is used to perform data verification and security checks when returning transaction results.

[0022] The present invention has the following beneficial effects: since the message queue system can realize asynchronous communication between system components and supports high concurrent processing, it can improve the overall throughput of the system and improve the efficiency of financial data exchange; the secure financial communication network adopts virtual private cloud technology to ensure network isolation and security, realize end-to-end encryption, protect the security of financial data during transmission, provide access control and identity authentication mechanism, and improve the security of financial data exchange; the universal message entry system supports financial data entry of multiple protocols, and the bank front-end system can convert the protocol format of financial data, so the present invention can be compatible with different bank systems in a multi-protocol environment, and improve the flexibility of financial data exchange. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] Figure 1 It is a flowchart of a multi-protocol inter-bank financial data processing method. DETAILED DESCRIPTION

[0024] The present invention is further described in detail below in conjunction with specific implementation methods.

[0025] This embodiment provides a multi-protocol inter-bank financial data processing system, including a general message entry system, a bank front-end system, a secure financial communication network, a message queue system and a bank core system.

[0026] The message entry system adopts a unified data model, supports the entry of financial data of multiple protocols, and provides a web interface and mobile applications for users to enter financial data. The message entry system has a server, which pre-processes the financial data entered by the user through the server, including preliminary verification and formatting of the financial data.

[0027] As the core processing unit, the bank front-end system is responsible for protocol format conversion and data processing of financial data. It also includes integrated data storage components for temporary storage and processing of data. The bank front-end system supports multiple protocols and can process and convert different types of financial messages (such as MT, MX, etc.).

[0028] The secure financial communication network uses virtual private cloud (VPC) technology to ensure network isolation and security, achieve end-to-end encryption, protect the security of financial data during transmission, and provide access control and identity authentication mechanisms.

[0029] The message queue system uses high-performance message queues to implement asynchronous communication between system components. It also provides message persistence to ensure that data is not lost due to system failures. It also supports high-concurrency processing to improve the overall system throughput.

[0030] The bank's core system is seamlessly integrated with the bank's existing message systems, including the MT-message system and the MX-message system, which are used to process transactions based on financial data. An adaptation layer is also provided to ensure the compatibility of the new system with the existing banking system.

[0031] When the multi-protocol inter-bank financial data processing system is used, it can be implemented as follows: Figure 1 The multi-protocol inter-bank financial data processing method shown specifically includes the following steps A, B, C, and D.

[0032] A. Obtain financial data input by the user through the web interface or mobile application of the universal message entry system, and pre-process the financial data using the server of the universal message entry system; pre-process the financial data, including preliminary verification and formatting of the financial data.

[0033] B. The pre-processed financial data is converted into a protocol format and processed through the bank front-end system. The protocol format conversion specifically uses pre-defined conversion rules to convert the general protocol format of the financial data into a specific protocol format. The pre-processed financial data is also temporarily stored through the bank front-end system.

[0034] C. Transmit the processed financial data to the corresponding bank core system through the message queue system.

[0035] D. Use the bank's core system to process transactions and generate transaction results based on the processed financial data, return the transaction results to the bank's front-end system through the message queue system, and then transmit them back to the user through the bank's front-end system.

[0036] In step C, a secure financial communication network is used to perform data verification and security checks when transmitting financial data; in step D, a secure financial communication network is used to perform data verification and security checks when returning transaction results.

[0037] In summary, since the message queue system can realize asynchronous communication between system components and supports high-concurrency processing, it can improve the overall throughput of the system and improve the efficiency of financial data exchange; the secure financial communication network adopts virtual private cloud technology to ensure network isolation and security, realize end-to-end encryption, protect the security of financial data during transmission, provide access control and identity authentication mechanism, and improve the security of financial data exchange; the general message entry system supports financial data entry of multiple protocols, and the bank front-end system can convert the protocol format of financial data. Therefore, the present invention can be compatible with different bank systems in a multi-protocol environment, thereby improving the flexibility of financial data exchange.

[0038] The above is only an implementation method of the invention, and does not limit the scope of patent protection. Those skilled in the art can make non-substantial changes or substitutions based on the invention, which still fall within the scope of patent protection.

Claims

1. A multi-protocol inter-bank financial data processing system, characterized in that: include: The universal message entry system adopts a unified data model, supports the entry of financial data of multiple protocols, provides a Web interface and mobile applications for users to input financial data, and pre-processes the financial data input by users through the server; Bank front-end system, which performs protocol format conversion and data processing on financial data; Secure financial communication network, which uses virtual private cloud technology to ensure network isolation and security, achieves end-to-end encryption, protects the security of financial data during transmission, and provides access control and identity authentication mechanisms; Message queue system, which is used to implement asynchronous communication between system components and supports high concurrency processing; The banking core system is seamlessly integrated with the bank's existing messaging system to process transactions based on financial data.

2. The multi-protocol inter-bank financial data processing system according to claim 1 is characterized in that: The general message entry system pre-processes the financial data input by the user through the server, including preliminary verification and formatting of the financial data.

3. The multi-protocol inter-bank financial data processing system according to claim 1 is characterized in that: The bank front-end system includes an integrated data storage component for temporarily storing and processing data.

4. The multi-protocol inter-bank financial data processing system according to claim 1 is characterized in that: The existing message systems that are seamlessly integrated into the bank's core system include the MT-message system and the MX-message system.

5. A multi-protocol inter-bank financial data processing method, characterized in that: The steps include: A. Obtain the financial data input by the user through the web interface or mobile application of the general message entry system, and use the server of the general message entry system to pre-process the financial data; B. Performing protocol format conversion and data processing on the pre-processed financial data through the bank front-end system, wherein the protocol format conversion specifically uses predefined conversion rules to convert the general protocol format of the financial data into a specific protocol format; C. Transmit the processed financial data to the corresponding bank core system through the message queue system; D. Use the bank's core system to process transactions and generate transaction results based on the processed financial data, return the transaction results to the bank's front-end system through the message queue system, and then transmit them back to the user through the bank's front-end system.

6. The multi-protocol inter-bank financial data processing method according to claim 5 is characterized in that: In the step A, the financial data is preprocessed, including preliminary verification and formatting of the financial data.

7. The multi-protocol inter-bank financial data processing method according to claim 5 is characterized in that: In the step B, the pre-processed financial data is also temporarily stored by the bank front-end system.

8. The multi-protocol inter-bank financial data processing method according to claim 5 is characterized in that: In step C, a secure financial communication network is used to perform data verification and security checks when transmitting financial data; in step D, a secure financial communication network is used to perform data verification and security checks when returning transaction results.

Images