Digital RMB issuing method

Abstract

The invention discloses a digital RMB issuing method. The method comprises the following steps: an external connection party initiates a digital RMB red envelope issuing request; the bank external connection system receives external connection issuing information; the bank executes digital RMB red envelope issuing operation; querying details of which the local state is' pre-buried 'from a core system in the bank through a timed task until an activity expiration date; the method specifically comprises the steps that if the current latest core state is inquired to be failed, the local state is updated to be 3, if the current latest core state is inquired to be successful, the local state is updated to be 5, and if the current latest core state is still embedded to be 4, updating is not carried out. And the use channels of the digital RMB are enriched, and the service efficiency of the digital RMB is fully released.

Description

Technical Field

[0001] The present invention relates to a method for issuing RMB, and more specifically, to a method for issuing digital RMB, which belongs to the field of computer technology. Background Art

[0002] As an innovative promotion method, the digital RMB consumption red envelope not only stimulates consumers' enthusiasm for payment, but also promotes the popularization and application of the digital RMB. However, the existing digital RMB consumption red envelope distribution scheme is still insufficient in tapping its potential, especially in large-scale, high-frequency large-scale distribution activities. How to ensure the reduction of concurrent pressure, handle distribution anomalies and take security into account has become a technical problem that needs to be solved urgently. Summary of the invention

[0003] In order to solve the above-mentioned problems of the prior art, the present invention provides a digital RMB issuance method with technical characteristics that can overcome the shortcomings of the prior art, promote the high-quality development of digital RMB business, enrich the usage channels of digital RMB, and fully release the service efficiency of digital RMB.

[0004] In order to achieve the above object, the present invention is implemented by the following technical solutions:

[0005] The present invention provides a method for distributing digital RMB, which comprises the following steps:

[0006] Step S1: The external party initiates a request for issuing a digital RMB red envelope;

[0007] Step S2: the bank's external liaison system receives external liaison issuance information;

[0008] Step S3: The bank executes the digital RMB red envelope distribution operation;

[0009] Step S4: query the bank's internal core system through a scheduled task for details of local status "embedded" until the activity deadline; specifically: if the latest core status queried is failure, update the local status to 3; if the latest core status queried is success, update the local status to 5; if it is still in the embedded status 4, do not make any updates.

[0010] The present invention is used to implement a device for executing a digital RMB distribution method as described in claim 1, including a memory and a processor; the memory is used to store programs; the processor is used to execute the program to implement the various steps of the salary distribution method as described in the above embodiment.

[0011] Preferably, the external party sends an encrypted request message to the bank's external system through network access. The bank decrypts the business message and SM4 key, then retrieves the encrypted red envelope distribution file from the external party's SFTP server, decrypts it using the acquired SM4 key, and obtains the plaintext content in the file.

[0012] Preferably, the service message field includes an activity number and an activity key;

[0013] Among them, the activity number and activity key are automatically generated by bank business personnel when adding a new activity in the bank's internal core system. It is a string of UUIDs; the activity distribution file is a plain text file, which contains two columns, one for the user's mobile phone number and the other for the red envelope distribution amount.

[0014] Preferably, during the decryption process of step S1, if the decryption is successful, the bank external connection system enters the verification step, if not, it directly returns the verification failure information to the external connection; the above-mentioned verification step includes using regular expressions to verify the mobile phone number column and the amount column, if the verification is successful, the details in the file are entered into the red envelope distribution details table in the database, and the state is set to the initial state 0.

[0015] Preferably, in step S3, the bank splits the red envelope distribution file, and distributes the red envelopes one by one by calling the bank's internal core system. Some verification operations are required before each distribution, as follows:

[0016] Step S3.1: Check whether the balance of the agency payment account is 0. If it is 0, the transaction will be reported as failed directly in the external system and will not be reported to the core system within the bank;

[0017] Step S3.2: Before calling the core interface, check whether the current time is within the red envelope distribution activity time. If so, proceed to the next step. If not, the transaction will be reported as an error in the external system and the error status will be set to "local failure 9", and the transaction will not be reported to the bank's core system;

[0018] Step S3.3: Calculate the proportion of all current details with failure 3 or 9 in the total details. If the proportion is greater than the manually set threshold, all subsequent details will be set to error state 9 to avoid a large number of failures in the entire batch, causing production system alarms.

[0019] Preferably, after the external system receives a response message from the core system for each transaction, it will update the local status according to the status of the response message. If the bank's internal core system fails to issue, the status is updated to 3; if the bank's internal core system successfully issues, the status is updated to 5; if the status of the core system response is "embedded", the status is updated to "embedded".

[0020] Preferably, the external connection system is a system that connects the internal financial system of the enterprise and the banking financial institution to realize data exchange and fund management; the core system within the bank is a transaction processing system for various banking businesses.

[0021] Beneficial effects: Based on the traditional hybrid encryption algorithm digital envelope, the present invention can add an additional active key field in the business message to enhance security. For the concurrency problem in the prior art, the present invention adopts a two-level system. The external system receives batch text files from external units, and the core system issues them individually after the batches are split. For the exception handling problem in the process of large-scale batch splitting, the mechanism of the present invention can terminate the batch running process in time to avoid the alarm of the core system caused by a large number of erroneous details. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Figure 1 It is an overall flow chart of the method of the present invention.

[0023] Figure 2 It is the overall structural diagram of the device of the present invention. DETAILED DESCRIPTION

[0024] The present invention will be further described below in conjunction with the accompanying drawings, but the present invention is not limited to the following embodiments.

[0025] like Figure 1-2 The figure shows a specific embodiment of a method for issuing digital RMB. The embodiment is a method for issuing digital RMB, and the method includes the following steps:

[0026] Step S1: The external party initiates a request for the issuance of a digital RMB red envelope.

[0027] The external party sends an encrypted request message to the bank's external system through network access. The bank decrypts the business message and SM4 key, then retrieves the encrypted red envelope distribution file from the external party's SFTP server, decrypts it using the acquired SM4 key, and obtains the plaintext content in the file. The business message field contains the activity number and activity key. The activity number and activity key are automatically generated by bank business personnel when adding a new activity in the bank's core system, and are a string of UUIDs. The activity distribution file is a plain text file containing two columns, one for the user's mobile phone number and the other for the red envelope distribution amount.

[0028] Step S2: The bank's external liaison system receives external liaison issuance information.

[0029] The bank external connection system is in the decryption process of the previous step. If the decryption is successful, it will enter the verification step. If it is unsuccessful, it will directly return the verification failure information to the external connection. The above verification step includes using regular expressions to verify the mobile phone number column and the amount column. If the verification is successful, the details in the file will be entered into the red envelope distribution details table in the database, and the state will be set to the initial state (0).

[0030] Step S3: The bank executes the digital RMB red envelope distribution operation.

[0031] The bank splits the red envelope distribution file and calls the bank's core system to distribute it one by one. Some verification operations are required before each distribution. The details are as follows:

[0032] Step 3.1 Verify whether the balance of the agency account is 0. If it is 0, the transaction will be reported as failed directly in the external system and will not be submitted to the bank's core system.

[0033] Step 3.2 Verify whether the current time is within the red envelope distribution activity time before calling the core interface. If yes, proceed to the next step. If not, the transaction will be reported in the external system and the error status will be set to "local failure 9". The transaction will not be reported to the bank's core system.

[0034] Step 3.3 calculates the ratio of all currently failed details (3 or 9) to the total details. If the ratio is greater than the manually set threshold, all subsequent details are set to error status 9. This avoids a large number of failures in the entire batch, which would cause an alarm in the production system.

[0035] After receiving the response message from the core system for each transaction, the external system will update the local status according to the status of the response message. If the core system fails to issue, the status is updated to 3. If the core system succeeds, the status is updated to 5. If the status of the core system response is "embedded", the status is updated to "embedded".

[0036] Step S4: query the core system through a scheduled task for details of the local status "pre-embedded" until the activity deadline. Specifically, if the latest core status is found to be failed, update the local status to 3; if the latest core status is found to be successful, update the local status to 5; if it is still in the pre-embedded status 4, no update is made.

[0037] Reference Figure 2 As shown, an embodiment of the present invention further provides a device, which may include: a memory and a processor. The memory is used to store a program; the processor is used to execute the program to implement each step of the salary payment method described in the above embodiment.

[0038] In the technical solution of this application: the external connection system is a system that connects the internal financial system of the enterprise and the banking financial institution to realize data exchange and fund management; the core system within the bank is a transaction processing system for various types of banking business.

[0039] The bank's external liaison system and the bank's internal core system are two indispensable components of the bank's business operations. They each have different responsibilities and functions. However, the design of the external liaison system and the bank's internal core system itself belongs to the existing technology, and this application does not provide detailed descriptions. The following is a brief introduction to the two systems:

[0040] Bank External Liaison System:

[0041] The bank external connection system is a system that connects the internal financial system of an enterprise with a bank financial institution to achieve data exchange and fund management. It plays a vital role in the enterprise fund management, and realizes the information interconnection between the enterprise and the bank through encryption technology and secure channels. The main functions of this system include:

[0042] Centralized control of the flow of corporate funds: Ability to monitor the flow of corporate funds in real time to ensure the safety and compliance of funds.

[0043] Real-time monitoring of fund balance: Provide real-time fund balance query function to help enterprises grasp the fund status at any time.

[0044] Convenient inter-bank fund transfer: Supports inter-bank fund transfer and allocation to improve the flexibility and efficiency of fund use.

[0045] Automated collection management: Automated collection and entry processes are realized, reducing manual operations and improving work efficiency. In addition, the bank external liaison system is highly secure and stable, ensuring the safety of corporate funds and the stable operation of the system.

[0046] Core systems within banks:

[0047] The core system within a bank, also known as the core business system, is a transaction processing system for various banking businesses. It drives accounting and payment settlement through transaction processing, and ultimately achieves the goal of integrated processing of back-end business. The main features of the core business system include:

[0048] Customer-centric design: Centralized customer information can summarize all accounts and transactions at the customer level to provide more personalized services.

[0049] New product support capabilities: Parameter-based design supports flexible interest rate structure, product term, fee pricing and other functions, and can quickly adapt to market changes.

[0050] Improve business efficiency: especially settlement and accounting efficiency, through automated and centralized processing, reduce manual operations and increase business processing speed.

[0051] Comprehensive security: It has a complete security protection mechanism, including data encryption, access control, etc., to ensure that the system is not subject to malicious attacks and data leakage.

[0052] The main functional modules of the core business system include customer information, credit limit control, deposits, loans, fund business, international settlement, payment settlement, general ledger, card system, etc. These modules work together to complete various business processing needs of the bank.

[0053] Regarding the bank's external systems and the bank's internal core systems, this implementation lists some actual system names:

[0054] Bank External Liaison System:

[0055] External ESB (Enterprise Service Bus) system: ESB is the abbreviation of Enterprise Service Bus. It is an internal bus of the system and realizes internal and external communication connection through a universal gateway. In the banking environment, the external ESB system is usually used to connect different business systems to realize data exchange and process collaboration.

[0056] Extranet access platform: This is a dedicated network channel between commercial banks and other units based on telecom operators' dedicated lines or other public network facilities in order to frequently exchange business information with different units. Through this platform, banks can communicate with regulatory agencies (such as the People's Bank of China, the Banking Regulatory Commission), business partners (such as securities companies, insurance companies), etc.

[0057] Bank-enterprise direct connection system: This is a direct connection system established between banks and enterprises, which is used to realize functions such as enterprise fund inquiry, transfer, and payment. Through the bank-enterprise direct connection system, enterprises can manage their bank accounts and funds more conveniently.

[0058] Core systems within banks

[0059] The core system within a bank is usually a transaction processing system for various banking businesses, which supports the daily business operations and management of the bank. The following are some actual names of the core systems within banks:

[0060] The core system within a bank, namely the core banking system: This is the "heart" of the bank's IT system, responsible for handling the bank's most basic deposit and loan business. The core business system is usually highly secure and stable, and can ensure the continuity of banking business and the accuracy of data.

[0061] Customer Information System (CIS): used to manage and maintain customers’ personal information, account information, transaction records, etc. The CIS system can ensure the security and accuracy of customer information and provide banks with a comprehensive customer view.

[0062] Risk Management System (RMS): used to assess and monitor various risks of banks, including credit risk, market risk, operational risk, etc. The RMS system helps banks identify risks in a timely manner and take corresponding control measures by setting risk control rules and early warning mechanisms.

[0063] Payment and Settlement System: It is used to process various payment and settlement services of banks, including transfer, remittance, settlement, etc. Payment and settlement systems are usually highly real-time and accurate, ensuring the timely arrival of funds and the accuracy of settlement. These systems together constitute the core system architecture within the bank, supporting the daily business operations and management of the bank. At the same time, with the continuous development and innovation of banking business, these systems are also constantly upgraded and optimized to adapt to new business needs and market changes.

[0064] This application can use the traditional external connection system and the core system within the bank, and does not involve the internal design of the external connection system and the core system within the bank.

[0065] Finally, it should be noted that the present invention is not limited to the above embodiments, and there are many variations. All variations that can be directly derived or associated with the content disclosed by ordinary technicians in this field should be considered as the protection scope of the present invention.

Claims

1. A method for issuing digital RMB, characterized in that The method comprises the following steps: Step S1: The external party initiates a request for issuing a digital RMB red envelope; Step S2: the bank's external liaison system receives external liaison issuance information; Step S3: The bank executes the digital RMB red envelope distribution operation; Step S4: query the bank's internal core system through a scheduled task for details of local status "pre-buried" until the activity deadline; specifically: if the latest core status found is failure, update the local status to 3; if the latest core status found is success, update the local status to 5; if it is still in pre-buried status 4, do not make any updates.

2. A device for executing a method for issuing digital RMB as described in claim 1, characterized in that: It includes a memory and a processor; the memory is used to store a program; the processor is used to execute the program to implement the various steps of the salary payment method described in the above embodiment.

3. A method for issuing digital RMB according to claim 1, characterized in that: In step S1: the external party sends an encrypted request message to the bank's external system through network access. The bank decrypts the business message and SM4 key, then retrieves the encrypted red envelope distribution file from the external party's SFTP server, and uses the obtained SM4 key to decrypt it to obtain the plaintext content in the file.

4. A method for issuing digital RMB according to claim 3, characterized in that: The business message field includes an activity number and an activity key; Among them, the activity number and activity key are automatically generated by bank business personnel when adding a new activity in the bank's internal core system. It is a string of UUIDs; the activity distribution file is a plain text file, which contains two columns, one for the user's mobile phone number and the other for the red envelope distribution amount.

5. A method for issuing digital RMB according to claim 3 or 4, characterized in that: Step S2 is specifically as follows: during the decryption process of step S1, if the decryption is successful, the bank external liaison system enters the verification step, if not, it directly returns the verification failure information to the external liaison; the above verification step includes using regular expressions to verify the mobile phone number column and the amount column, if the verification is successful, the details in the file are entered into the red envelope distribution details table in the database, and the state is set to the initial state 0.

6. A method for issuing digital RMB according to claim 1, characterized in that: In step S3, the bank splits the red envelope distribution file and distributes it one by one by calling the bank's internal core system. Some verification operations are required before each distribution, as follows: Step S3.1: Check whether the balance of the agency payment account is 0. If it is 0, the transaction will be reported as failed directly in the external system and will not be reported to the core system within the bank; Step S3.2: Before calling the core interface, check whether the current time is within the red envelope distribution activity time. If so, proceed to the next step. If not, the transaction will be reported as an error in the external system and the error status will be set to "local failure 9", and the transaction will not be reported to the bank's core system; Step S3.3: Calculate the proportion of all current details with failure 3 or 9 in the total details. If the proportion is greater than the manually set threshold, all subsequent details will be set to error state 9 to avoid a large number of failures in the entire batch, causing production system alarms.

7. A method for issuing digital RMB according to claim 6, characterized in that: In step S3: after the external system receives the response message from the core system for each transaction, it will update the local status according to the status of the response message. If the issuance of the bank's internal core system fails, the status is updated to 3; if the issuance of the bank's internal core system succeeds, the status is updated to 5; if the status of the core system response is "embedded", the status is updated to "embedded".

8. A method for distributing digital RMB according to claim 7, characterized in that: The external connection system is a system that connects the internal financial system of an enterprise with a bank or financial institution to achieve data exchange and fund management; the core system within the bank is a transaction processing system for various types of banking business.

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