Financial account information flow processing method and device, electronic equipment and storage medium

Abstract

The invention discloses a financial account information flow processing method and device, electronic equipment and a storage medium, and relates to the technical field of big data or other related fields, and the method comprises the steps: receiving an information query instruction sent by a target enterprise user, and determining a corresponding target financial institution based on an institution code in the information query instruction; an interaction configuration file of the target enterprise user and the target financial institution is obtained, and the interaction configuration file at least records a request data format and a response data format; sending the information query instruction to a target financial institution according to the request data format to obtain an information query result; and receiving an information query result returned by the target financial institution, and returning the information query result to the target enterprise user according to the response data format. According to the method and the device, the technical problem of low multi-institution account information flow processing efficiency caused by non-uniformity of systems and interfaces of a plurality of different financial institutions connected by an enterprise in related technologies is solved.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of big data or other related fields, in particular, relates to a financial account information flow processing method and device, electronic equipment and storage medium. BACKGROUND

[0002] At present, when using financial services, enterprise users often need to go through multiple financial institutions for fund transfer, investment and financial management and other businesses. Each financial institution needs to be logged in independently and complete the corresponding operation, which brings great inconvenience to enterprise users. In addition, due to the system differences between various financial institutions, enterprise users need to pay attention to the interface documents provided by different financial institutions when using financial services, which increases the additional workload of enterprise users. In addition, when enterprise users use financial services, they need to transfer funds between different financial institutions, and the switching of accounts between different financial institutions also brings great inconvenience to enterprise users. Furthermore, in order to ensure the security of transactions, enterprise users need to purchase digital certificates for different financial institution accounts, which not only increases the cost of enterprises, but also brings great management difficulty. Enterprise users need to frequently reconcile with financial institutions when using financial services to ensure that the financial data of the enterprise is consistent with the data of the financial institution, but there is no unified reconciliation tool at present.

[0003] To sum up, the existing financial services have the following problems: enterprise users need to switch accounts between different financial institutions; enterprise users need to purchase digital certificates for different financial institution accounts; enterprise users need to frequently reconcile with financial institutions. In general, the non-uniformity of the system and interface of the enterprise connecting multiple different financial institutions leads to the problem of low efficiency of multi-institution account information flow processing.

[0004] In view of the above problems, no effective solution has been proposed at present. SUMMARY

[0005] The main purpose of the present application is to provide a financial account information flow processing method and device, electronic equipment and storage medium, so as to at least solve the technical problem of low efficiency of multi-institution account information flow processing caused by the non-uniformity of the system and interface of the enterprise connecting multiple different financial institutions in the related art.

[0006] In order to achieve the above object, according to one aspect of the present application, a method for processing financial account information flow is provided, applied to a centralized processing platform, wherein the centralized processing platform is a platform for managing and monitoring all financial account information of N enterprise users, N is a positive integer, and the method comprises the following steps: receiving an information query instruction sent by a target enterprise user, and determining a corresponding target financial institution based on an institution code in the information query instruction; obtaining an interaction configuration file of the target enterprise user and the target financial institution, wherein the interaction configuration file at least records a request data format and a response data format; sending the information query instruction to the target financial institution according to the request data format, and obtaining an information query result by querying the target financial institution based on the information query instruction; receiving the information query result returned by the target financial institution, and returning the information query result to the target enterprise user according to the response data format.

[0007] Further, the step of obtaining the interaction configuration file of the target enterprise user and the target financial institution comprises: performing a permission check on the target enterprise user, wherein the permission check at least comprises: an access permission check of the target enterprise user on the target financial institution; generating a query index based on a user identifier of the target enterprise user and an institution ID of the target financial institution in the case that the permission check is passed; and querying a configuration database connected to the centralized processing platform based on the query index to obtain the interaction configuration file.

[0008] Further, the step of sending the information query instruction to the target financial institution according to the request data format comprises: performing format conversion on the information query instruction according to the request data format recorded in the interaction configuration file to obtain an information query instruction adapted to the target financial institution; reading the interaction configuration file to obtain a data encryption algorithm and a secure communication channel agreed in advance; performing encryption processing on the information query instruction after format conversion based on the data encryption algorithm to obtain a ciphertext instruction; and sending the ciphertext instruction to a specified interface of the target financial institution through the secure communication channel.

[0009] Further, the step of receiving the information query result returned by the target financial institution comprises: receiving a ciphertext result from the specified interface of the target financial institution through the secure communication channel; reading the interaction configuration file to obtain a data decryption algorithm agreed in advance; and performing decryption processing on the ciphertext result by using the data decryption algorithm to obtain the information query result in plaintext form.

[0010] Further, the step of returning the information query result to the target enterprise user in the response data format comprises: performing format conversion on the information query result according to the response data format recorded in the interaction configuration file to obtain an information query result adapted to the target enterprise user; and returning the information query result to a specified interface of the target enterprise user based on a communication mode specified by the user.

[0011] Further, before determining the corresponding target financial institution based on the institution code in the information query instruction, the method further comprises: upon receiving the information query instruction, retrieving a digital certificate of the target enterprise user in a certificate management database; determining whether the digital certificate is valid at a current time point to obtain a determination result; in a case where the determination result indicates that the digital certificate is invalid at the current time point, rejecting the information query; or in a case where the determination result indicates that the digital certificate is valid at the current time point, signing the information query instruction using the digital certificate.

[0012] Further, after returning the information query result to the target enterprise user in the response data format, the method further comprises: starting an account reconciliation procedure to compare a system transaction record of the target enterprise user with the information query result; in a case where it is determined that there is an information difference between the system transaction record of the target enterprise user and the information query result, determining a difference reason to obtain a determination result, wherein the difference reason comprises any one of the following: enterprise system delay, data entry error, or institution system delay; generating an exception analysis report based on the determination result, and synchronously sending the exception analysis report to the target enterprise user and the target financial institution.

[0013] To achieve the above object, according to another aspect of the present application, a financial account information flow processing device is provided, which is applied to a centralized processing platform, wherein the centralized processing platform is a platform pre-established for managing and monitoring all financial account information of N enterprise users, N being a positive integer, and the device comprises: a receiving unit configured to receive an information query instruction sent by a target enterprise user, and determine a corresponding target financial institution based on an institution code in the information query instruction; an obtaining unit configured to obtain an interaction configuration file of the target enterprise user and the target financial institution, wherein the interaction configuration file records at least a request data format and a response data format; a sending unit configured to send the information query instruction to the target financial institution in the request data format, and perform a query based on the information query instruction to obtain an information query result; and a returning unit configured to receive the information query result returned by the target financial institution, and return the information query result to the target enterprise user in the response data format.

[0014] Further, the obtaining unit comprises: a permission checking module configured to perform permission checking on the target enterprise user, wherein the permission checking comprises at least access permission checking of the target enterprise user to the target financial institution; a generating module configured to generate a query index based on a user identifier of the target enterprise user and an institution ID of the target financial institution if the permission checking is passed; and a querying module configured to query a configuration database connected to the centralized processing platform based on the query index to obtain the interaction configuration file.

[0015] Further, the sending unit comprises: a first format conversion module configured to convert the information query instruction based on a request data format recorded in the interaction configuration file to obtain an information query instruction adapted to the target financial institution; a first reading module configured to read the interaction configuration file to obtain a data encryption algorithm and a secure communication channel agreed in advance; an encryption processing module configured to encrypt the information query instruction after format conversion based on the data encryption algorithm to obtain a ciphertext instruction; and a sending module configured to send the ciphertext instruction to a specified interface of the target financial institution through the secure communication channel.

[0016] Further, the returning unit comprises: a receiving module configured to receive a ciphertext result from the specified interface of the target financial institution through the secure communication channel; a second reading module configured to read the interaction configuration file to obtain a data decryption algorithm agreed in advance; and a decryption processing module configured to decrypt the ciphertext result based on the data decryption algorithm to obtain the information query result in plaintext.

[0017] Further, the returning unit further comprises: a second format conversion module configured to convert the information query result based on a response data format recorded in the interaction configuration file to obtain an information query result adapted to the target enterprise user; and a returning module configured to return the information query result to a specified interface of the target enterprise user based on a communication mode specified by the user.

[0018] Further, the processing apparatus of the financial account information flow further comprises: a calling module, configured to, in a case that the information query instruction is received, call the digital certificate of the target enterprise user in a certificate management database before determining the corresponding target financial institution based on the institution code in the information query instruction; a determining module, configured to determine whether the digital certificate is valid at a current time point to obtain a determination result; a rejecting module, configured to reject the information query in a case that the determination result indicates that the digital certificate is invalid at the current time point; and a signing module, configured to sign the information query instruction using the digital certificate in a case that the determination result indicates that the digital certificate is valid at the current time point.

[0019] Further, the processing apparatus of the financial account information flow further comprises: a comparing module, configured to, after returning the information query result to the target enterprise user in the response data format, start an account reconciliation procedure, and compare the system transaction record of the target enterprise user with the information query result; a judging module, configured to, in a case that it is determined that there is an information difference between the system transaction record of the target enterprise user and the information query result, judge a difference reason to obtain a judgment result, wherein the difference reason comprises any one of the following: enterprise system delay, data entry error or institution system delay; and a generating module, configured to generate an exception analysis report based on the judgment result, and synchronously send the exception analysis report to the target enterprise user and the target financial institution.

[0020] To achieve the above object, according to another aspect of the present application, there is also provided a computer readable storage medium comprising a stored computer program, wherein the computer readable storage medium controls a device where the computer readable storage medium is located to perform the processing method of the financial account information flow according to any one of the above aspects when the computer program is executed.

[0021] To achieve the above object, according to another aspect of the present application, there is also provided an electronic device comprising one or more processors and a memory, the memory being configured to store one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the processing method of the financial account information flow according to any one of the above aspects.

[0022] To achieve the above object, according to another aspect of the present application, there is also provided a computer program product comprising computer instructions, wherein the computer instructions, when executed by a processor, implement the steps of the processing method of the financial account information flow according to any one of the above aspects.

[0023] The application provides a financial account information flow processing method, which comprises the following steps: receiving an information query instruction sent by a target enterprise user, determining a target financial institution corresponding to the information query instruction based on an institution code in the information query instruction, obtaining an interactive configuration file of the target enterprise user and the target financial institution, wherein the interactive configuration file at least records a request data format and a response data format, sending the information query instruction to the target financial institution according to the request data format, querying the target financial institution based on the information query instruction to obtain an information query result, and returning the information query result to the target enterprise user according to the response data format.

[0024] In the application, the centralized intelligent distribution mode is adopted, the dynamic configuration and the encrypted transmission means are used, the unified multi-financial institution interface is achieved, and the technical effect of efficient and safe information flow processing is realized. Specifically, the intelligent identification and distribution mechanism is realized on the centralized processing platform, the target financial institution is quickly and accurately determined according to the institution code in the received information query instruction, the delay and errors caused by manual intervention are avoided, the interactive configuration file is obtained, the request and response data formats of the target financial institution are defined in the file in advance, the data structure is adjusted in real time to realize seamless connection with different financial institutions, the SSL / TLS encryption technology is used in the data transmission process, the safety of the information query instruction and the result in the transmission process is ensured, the risk that the data is intercepted or tampered by a third party is effectively prevented, and the technical problems that the systems and interfaces of the enterprise are not unified when the enterprise connects with multiple different financial institutions and the processing efficiency of the multi-institution account information flow is low are solved.

[0025] The application also considers the standardization and flexibility of the data format, allows the enterprise to dynamically adjust the data format according to the needs of the enterprise through the parameterized configuration mechanism, improves the flexibility and expandability of the interface connection, realizes efficient transmission of information through intelligent matching of the response data format in the return link of the information query result, reduces the secondary processing cost of the enterprise on the returned information, and improves the overall information flow processing efficiency. BRIEF DESCRIPTION OF DRAWINGS

[0026] The accompanying drawings, which form a part of the present application, are included to provide a further understanding of the application, and are incorporated herein for purposes of illustrating the preferred embodiments of the present application and the explanations provided herein are to further explain the present application and are not intended to limit the present application. In the drawings:

[0027] Figure 1 Fig. 1 shows a hardware structure block diagram of a computer terminal (or a mobile device) for realizing the financial account information flow processing method;

[0028] Figure 2 is a flowchart of an optional financial account information flow processing method according to an embodiment of the present application;

[0029] Figure 3 This is a schematic diagram of an optional financial account information flow processing device according to an embodiment of the present invention;

[0030] Figure 4 This is a structural block diagram of an electronic device that performs a method for processing financial account information flow according to an embodiment of the present invention. Detailed Implementation

[0031] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of the present invention.

[0032] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0033] To facilitate understanding of the present invention by those skilled in the art, some terms or nouns involved in the various embodiments of the present invention are explained below:

[0034] SSL / TLS, a collective term for Secure Sockets Layer and Transport Layer Security, is an encryption protocol widely used in Internet communication to protect data security during transmission and prevent data from being eavesdropped on or tampered with.

[0035] SFTP, Secure File Transfer Protocol, is a protocol for securely transferring files across networks. In this invention, it is used to periodically push account statements and receipts, ensuring the security and reliability of information transmission.

[0036] It should be noted that the financial account information flow processing method and device in the present application can be used in the field of big data technology for real-time analysis and intelligent decision-making of massive financial transaction data, and can also be used in any field other than the field of big data technology for real-time analysis and intelligent decision-making of massive financial transaction data. The application field of the financial account information flow processing method and device in the present application is not limited.

[0037] It should be noted that the related information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in the present application are all information and data authorized by the user or authorized by all parties, and the collection, storage, processing, transmission, provision, disclosure, use and processing of related data comply with the laws, regulations and standards of the relevant region, take necessary security measures, do not violate public order and good customs, and provide corresponding operation portal for user selection authorization or refusal. For example, the system and the interface between the related users or institutions are provided with an interface, and before obtaining the related information, the interface needs to send a request to the aforementioned user or institution, and after receiving the consent information feedback from the aforementioned user or institution, the related information is obtained.

[0038] The information collection (for example, user voice, video, text collection) and analysis operation involved in the present application have provided corresponding operation portal for the user to select to agree or refuse the automatic decision result when executing; if the user chooses to refuse, the expert decision process is entered.

[0039] The following embodiments of the present application can be applied to various systems / applications / devices that need to query multi-bank account information and automatically reconcile, and can realize efficient and secure financial information flow processing. The present application uses a centralized processing platform to uniformly manage and intelligently distribute information flow, then encrypts the interface data through SSL / TLS encryption technology for encrypted transmission, which can better protect the security and privacy of financial data during transmission, and at the same time, through the dynamic configuration of the interactive configuration file, the accurate conversion of the data format is ensured, and the efficiency and accuracy of information query are improved.

[0040] The present application also accurately processes account information flow through the automatic reconciliation and batch file return mechanism to interrupt and plug the batch processing of data, which is convenient and fast in testing and verification process, and quickly and accurately locates data differences, greatly reducing the manual operation and reconciliation time of enterprise financial personnel.

[0041] The present application will be described in detail below in conjunction with various embodiments.

[0042] Embodiment one

[0043] According to an embodiment of the present application, an embodiment of a method for processing a financial account information flow is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0044] The embodiment of the method for processing a financial account information flow provided by the present application can be executed in a mobile terminal, a computer terminal or similar computing device. Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing the method for processing a financial account information flow is shown. As shown in Figure 1 , the computer terminal 10 (or mobile device) can include one or more processors 102 (the processor 102 can include but not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it can also include a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which can be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. Those skilled in the art can understand that Figure 1 The structure shown is only schematic, which does not limit the structure of the above-mentioned electronic device. For example, the computer terminal 10 can also include more or less components than those shown in Figure 1 , or have a different configuration than that shown in Figure 1 .

[0045] It should be noted that the one or more processors 102 and / or other data processing circuits described above can be referred to herein as "data processing circuits" in general. The data processing circuit can be embodied in whole or in part as software, hardware, firmware or any other combination. In addition, the data processing circuit can be a single independent processing module, or any one of the other elements combined into the computer terminal 10 (or mobile device) in whole or in part. As referred to in the embodiments of the present application, the data processing circuit as a kind of processor control (for example, the selection of the variable resistance terminal path connected with the interface).

[0046] The memory 104 can be used to store software programs of application software and modules, such as program instructions / data storage devices corresponding to the processing method of the financial account information flow in the embodiments of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, implements the processing method of the financial account information flow as described above. The memory 104 can include a high-speed random access memory, and can also include a non-volatile memory, such as one or more magnetic storage devices, flash memories, or other non-volatile solid-state memories. In some examples, the memory 104 can further include memories remotely arranged with respect to the processor 102, which can be connected to the computer terminal 10 through a network. Examples of the above-mentioned network include but are not limited to the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0047] The transmission device 106 is used to receive or send data via a network. Specific examples of the above-mentioned network can include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to be able to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (Radio Frequency, RF) module, which is used to communicate with the Internet in a wireless manner.

[0048] The display can be, for example, a touch screen type liquid crystal display (LCD), which can enable a user to interact with the user interface of the computer terminal 10 (or mobile device).

[0049] Under the above operating environment, the present application provides a processing method of a financial account information flow as shown in Figure 2 The embodiment of the present application is a processing method of a financial account information flow, the implementation subject of the method is a centralized processing platform system, which is used for unified processing of enterprise multi-bank account information flow in combination with big data and distributed technology, especially for different bank systems and non-unified interfaces, data security, real-time and accuracy problems, through permission control, data encryption, interface standardization, and automatic reconciliation means, specifically: receiving information query instructions, intelligent distribution and interface adaptation, data encryption transmission, automatic reconciliation and file transmission, batch back transmission and loading processing, etc., to realize unified multi-bank account information flow processing, improve efficiency and security, and reduce the enterprise interface cost, so as to effectively solve the problem of multi-institution account information flow processing in the bank-enterprise interconnection service, and promote the intelligentization and standardization process of the financial management system.

[0050] The embodiments of the present application will be described in detail below in combination with various specific steps.

[0051] Figure 2 is a flowchart of an optional method for processing a financial account information flow according to an embodiment of the present application, as shown in Figure 2 The method comprises the following steps:

[0052] In step S201, an information query instruction sent by a target enterprise user is received, and a corresponding target financial institution is determined based on an institution code in the information query instruction.

[0053] Specifically, the target enterprise user refers to an enterprise or institution that needs to query and manage account information and transaction records opened at different financial institutions, which involves complex financial management and multi-channel fund operation, and thus has higher requirements for the real-time, accuracy and security of financial institution account information. The enterprise user sends a request to the centralized processing platform through an internal financial management system or an ERP (Enterprise Resource Planning) system to obtain the specific account information required.

[0054] The information query instruction is a command initiated by the enterprise user and received by the centralized processing platform, which contains the information type (such as account balance, transaction details, etc.) that the enterprise wants to query and the specific target financial institution identifier. The institution code is a code used to uniquely identify different financial institutions, similar to an institution ID number.

[0055] In the service scenario of bank-enterprise interconnection, the institution code is one of the information that the enterprise user must provide in the information query instruction, which is used to guide the centralized processing platform to accurately identify and locate the target financial institution of the request, so as to realize cross-bank data query and information flow processing.

[0056] The target financial institution refers to the financial institution that the enterprise user wants to query the account information or transaction records of, which can include local banks, international banks, professional financial institutions, etc., each of which has its own data format, interface specification and security requirements.

[0057] Optionally, the enterprise user faces the complex situation of interacting with multiple financial institutions, and wants to obtain comprehensive information under different bank accounts in a unified and efficient manner by sending an information query instruction, so as to facilitate the enterprise to conduct fund management, cost control and risk management. As the core of information flow processing, the centralized processing platform plays the role of intermediary and processor, not only receiving the information query instruction, but also being responsible for analyzing the institution code, adapting the interface, encrypting the data, executing the query and returning the result, which is a key component for realizing unified processing of multi-bank account information flow.

[0058] Data security is the primary consideration throughout the information query and processing process. The use of agency codes, the implementation of data encryption, and the setting of automated reconciliation are all designed to ensure the privacy and integrity of enterprise account information, prevent unauthorized access and data leakage. The centralized processing platform ensures the security of information flow processing through multiple security mechanisms such as SSL / TLS encryption, firewalls, and permission controls.

[0059] Optionally, in the financial account information flow processing method provided by the embodiments of the present application, before determining the corresponding target financial institution based on the agency code in the information query instruction, it further includes: receiving the information query instruction, calling the digital certificate of the target enterprise user in the certificate management database; determining whether the digital certificate is valid at the current time point to obtain a determination result; in the case where the determination result indicates that the digital certificate is invalid at the current time point, rejecting the information query; or, in the case where the determination result indicates that the digital certificate is valid at the current time point, signing the information query instruction using the digital certificate.

[0060] In the financial account information flow processing method provided by the embodiments of the present application, the management and verification of digital certificates are key steps to ensure the security and legality of the entire information flow processing process, not only in the processing stage of the information query instruction, but also immediately after receiving the information query instruction.

[0061] A specific embodiment first calls the digital certificate of the target enterprise user in the certificate management database. It should be noted that the digital certificate is an electronic document that proves the identity of the enterprise user, containing a public key and a signature of the certificate issuer, used for encrypting and decrypting communication data to ensure the integrity of the data and the authenticity of the source.

[0062] Then check the validity of the digital certificate, that is, confirm whether the certificate is still within the valid period by comparing the expiration time of the certificate with the current time point. If the digital certificate has expired or been revoked, immediately reject further processing of the information query instruction to prevent potential illegal access or data leakage risks.

[0063] In the case where the digital certificate is confirmed to be valid, the centralized processing platform uses the certificate to digitally sign the information query instruction to be sent to the financial institution, encrypts the instruction content using the private key in the digital certificate, generates a piece of signature data, and the receiver (i.e. the target financial institution) can use the corresponding public key to decrypt the signature data after receiving the instruction to verify the integrity of the instruction and the legality of the source, ensuring that only authorized enterprise users can query their account information.

[0064] An example, assuming that enterprise A wants to query its account balances and transaction records at multiple financial institutions through the centralized processing platform. First, the ERP system of enterprise A sends an information query instruction to the centralized processing platform, which then calls the digital certificate belonging to enterprise A in the certificate management database and checks whether it is valid at the current time point. If the certificate is valid, the platform will use the certificate to digitally sign the instruction, then determine the target financial institution according to the institution code in the instruction, and send the signed instruction for query. If the certificate is invalid, the platform will immediately terminate the instruction processing and send a notification to enterprise A, indicating that it update or resubmit a valid digital certificate.

[0065] Step S202, obtaining the interaction profile of the target enterprise user and the target financial institution, wherein the interaction profile at least records the request data format and the response data format.

[0066] Specifically, the interaction profile is used to guide and regulate the data exchange process between the enterprise user and different financial institutions. The profile records in detail the data format standards required when communicating with a specific financial institution, including the request data format and the response data format, at least defining the structure of the interaction data packet, the name and position of the field, the data type, and any necessary conversion rules, ensuring that the information query instruction and the returned results can be accurately transmitted between different systems. In addition, the configuration file can also contain: field mapping, data encryption method, authentication method, etc. Additional information to meet the specific requirements of financial institutions.

[0067] The request data format refers to the data structure used by the enterprise user to send information query instructions to the financial institution through the centralized processing platform, including the identification of the enterprise user, the type of request (such as querying account balance, obtaining transaction details), time range, account information, etc. Key fields.

[0068] The response data format is the format followed by the financial institution when returning data to the centralized processing platform after receiving the information query instruction, including the response result of the financial institution to the query instruction, such as account balance, transaction record details, etc. Like the request data format, the response data format also needs to be defined in detail to ensure that the returned data can be correctly parsed and processed by the enterprise user's system.

[0069] It should be noted that the interaction profile has the ability of dynamic configuration, which can be adjusted according to the specific needs between the enterprise user and different financial institutions. For example, when the enterprise user establishes a connection with a new financial institution, the centralized processing platform can update or create a new configuration file to ensure the consistency of data format and transmission standards.

[0070] In addition, each financial institution can have its own data transmission standard. In order to facilitate the centralized processing platform to flexibly process and adapt to various data formats, the interactive configuration file can be used to convert the formats of different financial institutions into standardized formats, so as to ensure the unified processing of information flow, and convert back to the format that can be understood by the enterprise user system when receiving the response data.

[0071] In some implementation scenarios, the interactive configuration file can also include security protocols and privacy protection measures for data transmission, such as selection of encryption algorithms, identity verification methods, access control policies, etc., so as to ensure that all information is strictly protected during information query and data exchange, and prevent data from being stolen or tampered with during transmission.

[0072] Optionally, in the method for processing financial account information flow provided by the embodiment of the application, the target enterprise user is subjected to permission check, wherein the permission check at least includes: access permission check of the target enterprise user to the target financial institution; and in the case that the permission check is passed, generating a query index based on the user identifier of the target enterprise user and the institution ID of the target financial institution; and querying a configuration database connected to the centralized processing platform based on the query index to obtain an interactive configuration file.

[0073] In the method for processing financial account information flow provided by the embodiment of the application, the permission check is a key security measure, which aims to ensure that only the enterprise user with legal authorization can access the information of the bank account specified by the enterprise user, and at least includes verifying the access permission of the target enterprise user to the target financial institution. By verifying the preset permission relationship between the user identifier and the specific financial institution, unauthorized data access is avoided, so as to protect the security of the account information of the financial institution and the enterprise user.

[0074] After the permission check is confirmed to be correct, a query index is generated based on the user identifier of the enterprise user and the institution ID of the target financial institution, which can directly locate the configuration information matched with the enterprise user and the financial institution, without traversing the entire database, thereby significantly improving the efficiency of data processing.

[0075] Based on the generated query index, the configuration database connected to the centralized processing platform is queried to obtain specific interactive configuration files, which record the format standards, encryption methods, security protocols and other key information of data transmission in detail. By dynamically obtaining, the latest and most matched configuration file can be called in real time, so as to adapt to the interface differences of different financial institutions and provide flexible and efficient multi-bank account information flow processing services.

[0076] An exemplary, assuming that enterprise C wishes to query its account balance and transaction records at financial institution Y, enterprise C sends an information query instruction to the centralized processing platform through the ERP system. The platform first performs an access check to verify whether enterprise C has the right to access the account information of financial institution Y. This check is performed using the user identification of enterprise C and the institution ID of financial institution Y. If the access check is successful, a query index based on the two pieces of information is automatically generated, and the index is used to retrieve the interaction configuration file applicable to enterprise C and financial institution Y from the configuration database. The information query instruction is processed based on the configuration file, including selecting the correct data format and encryption method to ensure the security and integrity of the information during transmission, and finally returning the query result to enterprise C accurately.

[0077] In step S203, the information query instruction is sent to the target financial institution in the requested data format, and the target financial institution performs a query based on the information query instruction to obtain an information query result.

[0078] Specifically, the information query result refers to the specific account information or transaction records extracted by the target financial institution from the system based on the received information query instruction and returned to the centralized processing platform, which can include but is not limited to: account balance, transaction details, statement, and back information, etc.

[0079] It should be noted that the presentation of the information query result needs to follow the response data format, ensuring that the structure and content of the data can be correctly parsed and processed by the system of the enterprise user. For example, the transaction details result may contain fields such as date, transaction amount, transaction party information, transaction type, and status, while the account balance query result may only contain account number and current balance information.

[0080] In addition, the information query result returned from the target financial institution must also be strictly encrypted during transmission to protect data security. The centralized processing platform ensures that the information query result can safely reach the enterprise user even in an insecure network environment through the pre-configured security protocol (such as SSL / TLS encryption).

[0081] Through these steps, not only the complexity of multi-bank account information flow processing is solved, but also the security and accuracy of the data are enhanced, providing large and medium-sized enterprises with efficient and secure financial information management means.

[0082] Optionally, in the financial account information flow processing method provided by the embodiment of the application, the step of sending the information query instruction to the target financial institution in the requested data format comprises: performing format conversion on the information query instruction according to the requested data format recorded in the interaction configuration file to obtain an information query instruction adapted to the target financial institution; reading the interaction configuration file to obtain a data encryption algorithm and a secure communication channel agreed in advance; performing encryption processing on the format-converted information query instruction based on the data encryption algorithm to obtain a ciphertext instruction; and sending the ciphertext instruction to the specified interface of the target financial institution through the secure communication channel.

[0083] In the embodiment of the application, in order to ensure that the information query instruction can be correctly parsed and processed by the target financial institution, the original instruction is format-converted according to the requested data format recorded in the interaction configuration file, which can convert the query instruction sent by the enterprise user into a format that can be understood by the specific financial institution, including adjusting the field order, formatting the date and time, encoding special characters, etc., to meet the specific interface requirements of the target financial institution, ensuring the compatibility of the instruction and reducing data processing errors caused by format mismatch.

[0084] The interaction configuration file not only contains the specification of the data format, but also records in detail the configuration information of the data encryption algorithm and the secure communication channel agreed in advance by both parties. The encryption algorithm can be based on a public standard, such as AES, RSA, etc., or a self-defined encryption method by both parties, aiming to protect the content of the instruction from being intercepted or tampered with by unauthorized third parties. The secure communication channel can use encryption protocols such as SSL / TLS to establish an encrypted tunnel for instruction transmission, ensuring the security and privacy of data during transmission.

[0085] It should be noted that AES (Advanced Encryption Standard) is a symmetric encryption algorithm, which means that the same key is used for encryption and decryption, and is used to protect electronic data. The standard version has three key lengths: 128 bits, 192 bits and 256 bits, with high encryption strength.

[0086] RSA (Rivest-Shamir-Adleman) is an asymmetric encryption algorithm, which means that different keys are used for encryption and decryption, namely public key and private key. The public key can be publicly available to anyone for encrypting data; while the private key is held by the recipient for decrypting data. RSA is widely used for Internet security, such as in the HTTPS protocol, to protect secure network communication, and is also commonly used for digital signatures and secure email.

[0087] The information query instruction after format conversion is encrypted based on the data encryption algorithm in the configuration file to generate a ciphertext instruction, which is realized by calling an API (Application Programming Interface) or a library function of the encryption algorithm, ensuring the confidentiality of the instruction content. The ciphertext instruction is sent to the designated interface of the target financial institution through a pre-configured secure communication channel.

[0088] In a specific embodiment, assuming that enterprise D needs to query the account balance and transaction records in financial institution Z, after the permission check and certificate verification pass, the information query instruction of enterprise D is sent to the centralized processing platform. The platform converts the instruction according to the interaction configuration file to ensure that it conforms to the interface specification of financial institution Z. At the same time, the platform reads the configuration of the data encryption algorithm (such as AES-256) and the secure communication channel (SSL / TLS) recorded in the configuration file, encrypts the converted instruction using the encryption algorithm to generate a ciphertext instruction. Then the ciphertext instruction is sent to the designated interface of financial institution Z through the secure communication channel, the financial institution receives and decrypts the instruction, queries the corresponding account information based on the decrypted instruction, and returns the information query result in encrypted form to the platform, which is then decrypted and returned to enterprise D in a standardized format. This series of security processing measures not only protects the financial information of enterprise D, but also ensures the efficiency and accuracy of data processing, reflecting the advancement and practicality of the present application in the processing of financial account information flow.

[0089] Step S204, receiving the information query result returned by the target financial institution, and returning the information query result to the target enterprise user according to the response data format.

[0090] Optionally, in the method for processing a financial account information flow provided by the embodiment of the present application, the step of receiving the information query result returned by the target financial institution comprises: receiving a ciphertext result from the designated interface of the target financial institution through a secure communication channel; reading an interaction configuration file to obtain a pre-agreed data decryption algorithm; and decrypting the ciphertext result using the data decryption algorithm to obtain the information query result in plaintext form.

[0091] When the target financial institution completes the information query and generates a query result, the result is sent back in encrypted form (ciphertext result) through a pre-set secure communication channel. The construction of the secure communication channel (such as an SSL / TLS tunnel) provides security for data transmission, preventing data from being eavesdropped or tampered with during transmission, and ensuring the authenticity and integrity of the information query result.

[0092] After receiving the ciphertext result, the centralized processing platform reads the data decryption algorithm recorded in the interaction configuration file, which corresponds to the algorithm used when the encryption instruction was previously executed, and can be a public standard based on symmetric or asymmetric encryption, such as AES or RSA. By calling the corresponding decryption function or module, the data decryption algorithm is applied to the ciphertext result to decrypt and process the encrypted data, restoring it to its original plaintext form.

[0093] The decrypted information query result is in plaintext state, and the result is converted into a format that the enterprise user can understand and use by performing standardized data format processing according to the interaction configuration file.

[0094] Optionally, in the financial account information flow processing method provided in the embodiments of the present application, the step of returning the information query result to the target enterprise user according to the response data format comprises: performing format conversion on the information query result according to the response data format recorded in the interaction configuration file to obtain an information query result adapted to the target enterprise user; and returning the information query result to the specified interface of the target enterprise user based on the communication mode specified by the user.

[0095] In the embodiments of the present application, when the centralized processing platform receives the plaintext information query result returned by the financial institution, the next step is to perform format conversion on the result according to the response data format specified in the interaction configuration file to ensure that the results can be seamlessly received and understood by the system of the target enterprise user, involving operations such as adjusting data structure, field ordering, data type conversion, and unifying coding standards, with the purpose of making the information query result consistent with the system data model of the enterprise user, facilitating subsequent data import and analysis.

[0096] For example, if the enterprise user system requires the use of JSON format, and the financial institution returns XML format, then the platform needs to convert the returned result into JSON format.

[0097] After the format conversion is completed, the information query result is sent back to the designated interface of the enterprise according to the communication mode preset by the enterprise user in the interaction configuration file. The selection of the communication mode can be diversified, including but not limited to: HTTP (Hypertext Transfer Protocol, HyperText Transfer Protocol) / HTTPS (Hypertext Transfer Protocol Secure, Secure HyperText Transfer Protocol), FTP (File Transfer Protocol, File Transfer Protocol) / SFTP (SSH File Transfer Protocol, SSH File Transfer Protocol, where SSH is a secure shell network protocol, used for secure remote login and other remote command execution on an insecure network), Web Services, API interface, etc., depending on the interface capability and security requirements of the enterprise user system.

[0098] The embodiment of the present application allows the enterprise user to select the data return mode according to the characteristics and security requirements of the system, which reflects the ability of the present application to provide personalized services, thereby optimizing the user experience and increasing the trust and satisfaction of the enterprise user to the system.

[0099] Optionally, in the financial account information flow processing method provided by the embodiment of the present application, after the information query result is returned to the target enterprise user according to the response data format, it further includes: starting an account program to compare the system transaction record of the target enterprise user and the information query result; in the case where it is determined that there is an information difference between the system transaction record of the target enterprise user and the information query result, judging the difference reason to obtain a judgment result, wherein the difference reason includes any of the following: enterprise system delay, data entry error or institution system delay; generating an exception analysis report based on the judgment result, and synchronously sending the exception analysis report to the target enterprise user and the target financial institution.

[0100] After the information query result is successfully returned to the target enterprise user, an automated reconciliation program is further started, which can compare the transaction records in the enterprise user system with the latest information query result obtained from the financial institution, ensuring the data consistency between the two. The reconciliation process not only involves the comparison of the amount, but also the comparison of the transaction date, transaction type, transaction counterpart and other detailed information, to comprehensively verify the accuracy and integrity of the information.

[0101] An optional embodiment, if the system transaction record of the target enterprise user is found to be different from the information query result during the running of the reconciliation program, the difference is further analyzed, that is, according to a series of preset rules, it is judged whether the difference is caused by enterprise system delay (such as data update lag), data entry error (such as human input error or system error processing data), or institution system delay (financial institution data update not timely), the problem source can be quickly located, timely corrective measures can be taken, and financial risks and management confusion caused by inconsistent data can be avoided.

[0102] Based on the judgment result obtained by the reconciliation program, an exception analysis report is generated, which lists the existing differences, possible causes and suggested solutions in detail, and is sent to the target enterprise user and the target financial institution, so that both parties can quickly respond and solve the problem. Timely communication mechanism helps the enterprise user to correct system errors in time, and also promotes the financial institution to optimize its data transmission and service quality.

[0103] The embodiment of the present application detects and corrects data differences in time through the introduction of the reconciliation mechanism, improves the management accuracy of the enterprise user on the account information, and reduces the potential financial risk; the generation and feedback of the exception analysis report accelerate the problem identification and solution process, and avoid the decision delay caused by long-term data inconsistency; the reconciliation results and abnormal analysis are synchronized to the financial institution, which reflects the openness and transparency of the present application, and helps to enhance the cooperation and trust between the enterprise user and the financial institution, and jointly maintain the stability and reliability of the financial transaction.

[0104] Through the above steps S201 to S204, the information query instruction sent by the target enterprise user can be received first, and the corresponding target financial institution is determined based on the institution code in the information query instruction, and then the interactive configuration file of the target enterprise user and the target financial institution is obtained, wherein the interactive configuration file at least records the request data format and the response data format, then the information query instruction is sent to the target financial institution according to the request data format, the target financial institution performs query based on the information query instruction, obtains the information query result, finally receives the information query result returned by the target financial institution, and returns the information query result to the target enterprise user according to the response data format.

[0105] In the embodiment of the present application, the centralized intelligent distribution mode is adopted, and the unified multi-financial institution interface is achieved through dynamic configuration and encrypted transmission, so that the technical effect of efficient and secure information flow processing is realized. Specifically, the intelligent recognition and distribution mechanism is realized on the centralized processing platform, the target financial institution is quickly and accurately determined according to the institution code in the received information query instruction, and the delay and errors caused by manual intervention are avoided. Then, the interactive configuration file is obtained, the file predefines the request and response data format of the target financial institution, the data structure is adjusted in real time to realize seamless connection with different financial institutions, and the SSL / TLS encryption technology is adopted in the data transmission process to ensure the security of the information query instruction and the result in the transmission process, effectively preventing the risk of data interception or tampering by a third party, thereby solving the technical problems of the non-uniformity of the system and interface of the enterprise connecting multiple different financial institutions in the related art, and the low efficiency of multi-institution account information flow processing.

[0106] The embodiment of the present application also considers the standardization and flexibility of data format, and allows the enterprise to dynamically adjust the data format according to its own needs through the parameterized configuration mechanism, improves the flexibility and scalability of the interface connection, and realizes efficient transmission of information through intelligent matching of the response data format in the return link of the information query result, reduces the secondary processing cost of the enterprise on the returned information, and improves the overall information flow processing efficiency.

[0107] The present application will be described below in conjunction with another alternative embodiment.

[0108] Embodiment two

[0109] The embodiment of the present application also provides a financial account information flow processing device. It should be noted that the financial account information flow processing device of the embodiment of the present application comprises a plurality of implementation units, and can be used to execute the financial account information flow processing method provided in the above embodiment one, and each implementation unit corresponds to each implementation step in the above embodiment one.

[0110] Figure 3 is a schematic diagram of an alternative financial account information flow processing device according to the embodiment of the present application, as shown in Figure 3 The device can include a receiving unit 31, an obtaining unit 32, a sending unit 33, and a returning unit 34.

[0111] The receiving unit 31 is configured to receive an information query instruction sent by a target enterprise user, and determine a corresponding target financial institution based on an institution code in the information query instruction.

[0112] The acquisition unit 32 is configured to acquire an interaction profile of the target enterprise user and the target financial institution, wherein the interaction profile at least records a request data format and a response data format.

[0113] The sending unit 33 is configured to send the information query instruction to the target financial institution according to the request data format, and the target financial institution performs query based on the information query instruction to obtain an information query result.

[0114] The returning unit 34 is configured to receive the information query result returned by the target financial institution, and return the information query result to the target enterprise user according to the response data format.

[0115] The above financial account information flow processing device can first receive the information query instruction sent by the target enterprise user through the receiving unit 31, and determine the corresponding target financial institution based on the institution code in the information query instruction, then acquire the interaction profile of the target enterprise user and the target financial institution through the acquisition unit 32, wherein the interaction profile at least records the request data format and the response data format, then send the information query instruction to the target financial institution according to the request data format through the sending unit 33, and the target financial institution performs query based on the information query instruction to obtain an information query result, finally receive the information query result returned by the target financial institution through the returning unit 34, and return the information query result to the target enterprise user according to the response data format.

[0116] In the embodiment of the present application, the centralized intelligent distribution method is adopted, and the dynamic configuration and encrypted transmission means are adopted to achieve the purpose of unified multi-financial institution interface, thereby realizing the technical effect of efficient and safe information flow processing. Specifically, the intelligent recognition and distribution mechanism is realized on the centralized processing platform, the target financial institution is quickly and accurately determined according to the institution code in the received information query instruction, and the delay and errors caused by manual intervention are avoided; then the interaction profile is acquired, the profile predefines the request and response data format of the target financial institution, the data structure is adjusted in real time to realize seamless connection with different financial institutions, and the SSL / TLS encryption technology is adopted in the data transmission process to ensure the security of the information query instruction and the result in the transmission process, effectively preventing the risk of data interception or tampering by a third party, thereby solving the technical problem of low efficiency of multi-institution account information flow processing caused by the non-uniformity of the system and interface of the enterprise connecting multiple different financial institutions in the related art.

[0117] The embodiment of the application also considers standardization and flexibility of data formats, allows enterprises to dynamically adjust data formats according to their own needs through a parameterized configuration mechanism, improves the flexibility and scalability of interface docking, realizes efficient transmission of information through intelligent matching of response data formats in the return link of information query results, reduces the secondary processing cost of enterprises on returned information, and improves the overall information flow processing efficiency.

[0118] Further, the obtaining unit comprises: a permission checking module configured to perform permission checking on the target enterprise user, wherein the permission checking at least comprises: access permission checking of the target enterprise user on the target financial institution; a generating module configured to generate a query index based on the user identifier of the target enterprise user and the institution ID of the target financial institution if the permission checking is passed; and a querying module configured to query a configuration database connected to the centralized processing platform based on the query index to obtain the interactive configuration file.

[0119] Further, the sending unit comprises: a first format conversion module configured to convert the information query instruction in accordance with the request data format recorded in the interactive configuration file to obtain an information query instruction adapted to the target financial institution; a first reading module configured to read the interactive configuration file to obtain a data encryption algorithm and a secure communication channel agreed in advance; an encryption processing module configured to encrypt the information query instruction after the format conversion based on the data encryption algorithm to obtain a ciphertext instruction; and a sending module configured to send the ciphertext instruction to a specified interface of the target financial institution through the secure communication channel.

[0120] Further, the returning unit comprises: a receiving module configured to receive a ciphertext result from the specified interface of the target financial institution through the secure communication channel; a second reading module configured to read the interactive configuration file to obtain a data decryption algorithm agreed in advance; and a decryption processing module configured to decrypt the ciphertext result based on the data decryption algorithm to obtain an information query result in plaintext form.

[0121] Further, the returning unit further comprises: a second format conversion module configured to convert the information query result in accordance with the response data format recorded in the interactive configuration file to obtain an information query result adapted to the target enterprise user; and a returning module configured to return the information query result to a specified interface of the target enterprise user based on a communication mode specified by the user.

[0122] Furthermore, the processing device for financial account information flow also includes: a retrieval module, used to retrieve the digital certificate of the target enterprise user from the certificate management database when receiving an information query instruction, before determining the corresponding target financial institution based on the institution code in the information query instruction; a determination module, used to determine whether the digital certificate is valid at the current time and obtain a determination result; a rejection module, used to reject the information query if the determination result indicates that the digital certificate is invalid at the current time; and a signature module, used to sign the information query instruction using the digital certificate if the determination result indicates that the digital certificate is valid at the current time.

[0123] Furthermore, the financial account information flow processing device also includes: a comparison module, used to initiate a reconciliation procedure after returning the information query results to the target enterprise user according to the response data format, comparing the target enterprise user's system transaction records with the information query results; a judgment module, used to determine the cause of the discrepancy and obtain a judgment result if it is determined that there is an information discrepancy between the target enterprise user's system transaction records and the information query results, wherein the cause of the discrepancy includes any of the following: enterprise system delay, data entry error, or institutional system delay; and an activation module, which generates an anomaly analysis report based on the judgment result and simultaneously sends the anomaly analysis report to the target enterprise user and the target financial institution.

[0124] It should be noted that the receiving unit 31, obtaining unit 32, sending unit 33, and returning unit 34 correspond to steps S201 to S204 in Embodiment 1. The instances and application scenarios implemented by the above units and corresponding steps are the same, but are not limited to the content disclosed in Embodiment 1. It should be noted that the above modules or units can be hardware or software components stored in memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above modules or units can also run as part of a device in the computer terminal 10 provided in Embodiment 1.

[0125] The invention will now be described in conjunction with another alternative embodiment.

[0126] Example 3

[0127] The present invention can also provide an electronic device. Figure 4 This is a structural block diagram of an electronic device that performs a method for processing financial account information flow according to an embodiment of the present invention, such as... Figure 4 As shown, the electronic device may include: one or more ( Figure 4 Only one of the following is shown: processor 402, memory 404, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0128] The memory can be configured to store software programs and modules, such as program instructions / modules corresponding to the financial account information flow processing method and device in the embodiments of the present application. The processor executes various functions and data processing by running the software programs and modules stored in the memory, that is, implements the financial account information flow processing method described above. The memory can include a high-speed random access memory, and can further include a non-volatile memory, such as one or more magnetic storage devices, flash memories, or other non-volatile solid-state memories. In some examples, the memory can further include a memory remotely arranged with respect to the processor, which can be connected to the terminal through a network. Examples of the network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof.

[0129] The processor can call information and application programs stored in the memory through the transmission device to perform the following steps: receiving an information query instruction sent by a target enterprise user, and determining a corresponding target financial institution based on an institution code in the information query instruction; obtaining an interaction profile of the target enterprise user and the target financial institution, wherein the interaction profile at least records a request data format and a response data format; sending the information query instruction to the target financial institution in the request data format, and obtaining an information query result based on the information query instruction by the target financial institution; receiving the information query result returned by the target financial institution, and returning the information query result to the target enterprise user in the response data format.

[0130] The processor can further call information and application programs stored in the memory through the transmission device to perform the following steps: the step of obtaining the interaction profile of the target enterprise user and the target financial institution includes: performing permission check on the target enterprise user, wherein the permission check at least includes: access permission check of the target enterprise user on the target financial institution; generating a query index based on a user identifier of the target enterprise user and an institution ID of the target financial institution in the case where the permission check is passed; querying a configuration database connected to the centralized processing platform based on the query index to obtain the interaction profile.

[0131] The processor can further call information and application programs stored in the memory through the transmission device to perform the following steps: the step of sending the information query instruction to the target financial institution in the request data format includes: performing format conversion on the information query instruction according to the request data format recorded in the interaction profile to obtain an information query instruction adapted to the target financial institution; reading the interaction profile to obtain a data encryption algorithm and a secure communication channel agreed in advance; performing encryption processing on the information query instruction after the format conversion based on the data encryption algorithm to obtain a ciphertext instruction; and sending the ciphertext instruction to a specified interface of the target financial institution through the secure communication channel.

[0132] The processor can further call information and application programs stored in the memory through the transmission device to perform the following steps: receiving the information query result returned by the target financial institution, including: receiving the ciphertext result from the specified interface of the target financial institution through the secure communication channel; reading the interaction configuration file to obtain the pre-agreed data decryption algorithm; and decrypting the ciphertext result using the data decryption algorithm to obtain the information query result in plaintext form.

[0133] The processor can further call information and application programs stored in the memory through the transmission device to perform the following steps: returning the information query result to the target enterprise user according to the response data format, including: converting the information query result to the response data format recorded in the interaction configuration file to obtain the information query result adapted to the target enterprise user; and returning the information query result to the specified interface of the target enterprise user based on the communication mode specified by the user.

[0134] The processor can further call information and application programs stored in the memory through the transmission device to perform the following steps: before determining the corresponding target financial institution based on the institution code in the information query instruction, further including: upon receipt of the information query instruction, calling the digital certificate of the target enterprise user in the certificate management database; determining whether the digital certificate is valid at the current time point to obtain a determination result; in the case where the determination result indicates that the digital certificate is invalid at the current time point, rejecting the information query; or, in the case where the determination result indicates that the digital certificate is valid at the current time point, signing the information query instruction using the digital certificate.

[0135] The processor can further call information and application programs stored in the memory through the transmission device to perform the following steps: after returning the information query result to the target enterprise user according to the response data format, further including: starting the reconciliation program to compare the system transaction record of the target enterprise user and the information query result; in the case where the system transaction record of the target enterprise user and the information query result have information differences, determining the difference reason to obtain a determination result, wherein the difference reason includes any of the following: enterprise system delay, data entry error, or institution system delay; generating an exception analysis report based on the determination result, and synchronously sending the exception analysis report to the target enterprise user and the target financial institution.

[0136] The embodiment of the present application provides a processing scheme of a financial account information flow. By means of centralized intelligent distribution, the purpose of unified multi-financial institution interface is achieved through dynamic configuration and encrypted transmission, so that the technical effect of efficient and safe information flow processing is realized. Specifically, by realizing intelligent identification and distribution mechanism on the centralized processing platform, the target financial institution is quickly and accurately determined according to the institution code in the received information query instruction, so as to avoid the delay and errors caused by manual intervention. Then, the interactive configuration file is acquired, the file predefines the request and response data format of the target financial institution, the data structure is adjusted in real time to realize seamless connection with different financial institutions, and the SSL / TLS encryption technology is adopted in the data transmission process, so as to ensure the safety of the information query instruction and the result in the transmission process, effectively prevent the risk of data interception or tampering by a third party, and further solve the technical problems of the non-uniformity of the system and interface of the enterprise connecting with multiple different financial institutions in the related art, and the low efficiency of the multi-institution account information flow processing.

[0137] Those skilled in the art can understand that, Figure 4 The structure shown is only schematic, and the electronic device can also be a smart phone, a tablet computer, a palm computer, a Mobile Internet Device (MID), a PAD, or the like. Figure 4 It does not limit the structure of the electronic device. For example, the electronic device can further include more or less components (such as a network interface, a display device, etc.) than those shown in the figure, or have a different configuration from that shown in the figure. Figure 4 Figure 4 The structure shown is only schematic, and the electronic device can also be a smart phone, a tablet computer, a palm computer, a Mobile Internet Device (MID), a PAD, or the like.

[0138] Those skilled in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by programs instructing the related hardware of the terminal device, and the programs can be stored in a computer readable storage medium, which can include a flash disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, etc.

[0139] The present application will be described below in combination with another alternative embodiment.

[0140] Embodiment Four

[0141] The embodiment of the present application further provides a computer readable storage medium. Optionally, in the embodiment of the present application, the above computer readable storage medium can be used to save the program code executed by the processing method of the financial account information flow provided in the above embodiment one.

[0142] ​Optionally, in the embodiments of the present application, the storage medium can be located in any one of the computer terminals in the computer terminal group in the computer network, or in any one of the mobile terminals in the mobile terminal group.

[0143] The embodiment of the present application further provides a computer program product, when executed on a data processing device, is suitable for executing the steps of the processing method of the financial account information flow: receiving an information query instruction sent by a target enterprise user, and determining a corresponding target financial institution based on an institution code in the information query instruction; obtaining an interaction configuration file of the target enterprise user and the target financial institution, wherein the interaction configuration file at least records a request data format and a response data format; sending the information query instruction to the target financial institution according to the request data format, and obtaining an information query result based on the information query instruction by the target financial institution; receiving the information query result returned by the target financial institution, and returning the information query result to the target enterprise user according to the response data format.

[0144] The serial numbers of the embodiments of the present application are only for description, and do not represent the advantages and disadvantages of the embodiments.

[0145] In the above-described embodiments of the present application, the description of each embodiment has its own focus, and the parts not described in detail in a certain embodiment can be referred to the related description of other embodiments.

[0146] In the several embodiments provided by the present application, it should be understood that the disclosed technology can be implemented in other ways. Of course, the embodiment described above is only a schematic and illustrative, for example, the division of units is only a logical function division, and there can be another division way in actual implementation, for example, a plurality of units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the coupling or direct coupling or communication connection between the units shown or discussed can be indirect coupling or communication connection through some interface, unit or module, and can be electrical or other forms.

[0147] The units described as separate components can or can not be physically separate, and the components shown as units can or can not be physical units, that is, they can be located in one place, or distributed on multiple network units. Part or all of the units can be selected according to actual needs to achieve the purpose of the embodiment.

[0148] In addition, each functional unit in each embodiment of the present application can be integrated in one processing unit, or each unit can exist physically, or two or more units can be integrated in one unit. The above integrated unit can be realized in the form of hardware, or in the form of software functional unit.

[0149] The integrated unit, if implemented in the form of a software function unit and sold or used as an independent product, can be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the present application essentially or say the part that contributes to the prior art or the whole or part of the technical solutions can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes a plurality of instructions for causing a computer device (which can be a personal computer, a server or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present application. The aforementioned storage medium includes: a U disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a mobile hard disk, a magnetic disk or an optical disk, and various media that can store program codes.

[0150] The above is only the preferred embodiment of the present application. It should be pointed out that for those skilled in the art, without departing from the principles of the present application, a number of improvements and refinements can be made, which should be considered as the protection scope of the present application.

Claims

1. A method for processing financial account information flow, characterized in that, The method is applied to a centralized processing platform, wherein the centralized processing platform refers to a pre-established platform for managing and monitoring all financial account information of N enterprise users, where N is a positive integer, and the processing method includes: Receive information query instructions sent by target enterprise users, and determine the corresponding target financial institution based on the institution code in the information query instructions; Obtain the interaction configuration file between the target enterprise user and the target financial institution, wherein the interaction configuration file records at least the request data format and the response data format; The information query instruction is sent to the target financial institution according to the requested data format, and the target financial institution performs the query based on the information query instruction to obtain the information query result. Receive the information query results returned by the target financial institution, and return the information query results to the target enterprise user in accordance with the response data format.

2. The processing method according to claim 1, characterized in that, The step of obtaining the interaction configuration file between the target enterprise user and the target financial institution includes: The target enterprise user is subjected to a permission check, wherein the permission check includes at least the following: a check of the target enterprise user's access permissions to the target financial institution; If the permission check passes, a query index is generated based on the user identifier of the target enterprise user and the institution ID of the target financial institution. The interaction configuration file is obtained by querying the configuration database connected to the centralized processing platform based on the query index.

3. The processing method according to claim 1, characterized in that, The step of sending the information query instruction to the target financial institution according to the requested data format includes: The information query instruction is format-converted according to the request data format recorded in the interaction configuration file to obtain an information query instruction adapted to the target financial institution. Read the interaction configuration file to obtain the pre-agreed data encryption algorithm and secure communication channel; The information query instruction after format conversion is encrypted using the data encryption algorithm to obtain the ciphertext instruction. The encrypted instructions are sent to the designated interface of the target financial institution through the secure communication channel.

4. The processing method according to claim 3, characterized in that, The step of receiving the information query results returned by the target financial institution includes: Receive encrypted results from a designated interface of the target financial institution through the secure communication channel; Read the interaction configuration file to obtain the pre-agreed data decryption algorithm; The encrypted result is decrypted using the data decryption algorithm to obtain the information query result in plaintext form.

5. The processing method according to claim 1, characterized in that, The steps of returning the information query results to the target enterprise user according to the response data format include: The information query results are format-converted according to the response data format recorded in the interaction configuration file to obtain information query results adapted to the target enterprise user; The information query results are returned to the specified interface of the target enterprise user based on the communication method specified by the user.

6. The processing method according to claim 1, characterized in that, Before determining the corresponding target financial institution based on the institution code in the information query instruction, the process also includes: Upon receiving the information query instruction, retrieve the target enterprise user's digital certificate from the certificate management database; Determine whether the digital certificate is valid at the current point in time, and obtain a determination result; If the determination result indicates that the digital certificate is invalid at the current time, the information query is rejected; or, If the determination result indicates that the digital certificate is valid at the current point in time, the information query instruction is signed using the digital certificate.

7. The processing method according to claim 1, characterized in that, After returning the information query results to the target enterprise user according to the aforementioned response data format, the process further includes: Initiate the reconciliation process to compare the system transaction records of the target enterprise user with the information query results; If a discrepancy is found between the target enterprise user's system transaction records and the information query results, the cause of the discrepancy is determined, and a determination result is obtained. The cause of the discrepancy includes any of the following: Enterprise system delays, data entry errors, or organizational system delays; An anomaly analysis report is generated based on the judgment result, and the anomaly analysis report is simultaneously sent to the target enterprise user and the target financial institution.

8. A processing device for financial account information flow, characterized in that, Applied to a centralized processing platform, wherein the centralized processing platform refers to a pre-established platform for managing and monitoring all financial account information of N enterprise users, where N is a positive integer, and the processing device includes: The receiving unit is used to receive information query instructions sent by the target enterprise user and determine the corresponding target financial institution based on the institution code in the information query instructions. The acquisition unit is used to acquire the interaction configuration file between the target enterprise user and the target financial institution, wherein the interaction configuration file records at least the request data format and the response data format; The sending unit is configured to send the information query instruction to the target financial institution according to the request data format, and the target financial institution performs a query based on the information query instruction to obtain the information query result. The return unit is used to receive the information query results returned by the target financial institution and return the information query results to the target enterprise user in accordance with the response data format.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored computer program, wherein, when the computer program is executed, it controls the device on which the computer-readable storage medium is located to perform the financial account information flow processing method according to any one of claims 1 to 7.

10. An electronic device, characterized in that, It includes one or more processors and a memory, the memory being used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors cause the one or more processors to implement the financial account information flow processing method according to any one of claims 1 to 7.

11. A computer program product, characterized in that, The method includes computer instructions, wherein when executed by a processor, the computer instructions implement the steps of the processing method for financial account information flow as described in any one of claims 1 to 7.

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