Bank and guarantee institution business data interaction system and method

Abstract

The invention relates to the technical field of financial science and technology data processing, and discloses a bank and guarantee institution business data interaction system and method, and the system comprises a data application service platform, a bank core credit system, a bank head office financing platform interface, an external guarantee institution business system, a platform integration interaction control center and a multi-channel communication adaption module. And the server is used for acquiring the original pre-loan data set, converting the original pre-loan data set into a white list admission and guarantee application data set, generating a global business token, maintaining a bidirectional state lock, executing parallel distribution operation to a bank head office and an external guarantee mechanism, and starting an asynchronous process to monitor a feedback state. According to the invention, the two-way state lock is combined with a parallel distribution mechanism, the atomicity judgment of the business state between heterogeneous systems is realized, the compensation transaction execution module is automatically triggered to carry out rollback operation when the states are inconsistent, and the problem of limit occupation caused by low serial interaction efficiency and inconsistent distributed environment data is solved.

Description

Technical Field

[0001] This invention relates to the field of financial technology data processing technology, specifically to a business data interaction system and method between banks and guarantee institutions. Background Technology

[0002] When commercial banks cooperate with external guarantee institutions on credit business, they need to achieve data interconnection between the bank's internal credit system and the guarantee institution's business system. The commercial bank's internal credit system is responsible for managing basic customer information and controlling credit limits, while the guarantee institution's business system is responsible for reviewing guarantee intentions and confirming counter-guarantee measures. The bank's internal credit system and the guarantee institution's business system are heterogeneous systems and are deployed in different network security domains.

[0003] The traditional business collaboration model between banks and guarantee institutions adopts a serial data interaction logic. The business initiator sends the guarantee application data to the external guarantee institution only after completing the access verification of the bank's internal head office platform and receiving clear feedback. The serial data interaction logic leads to an increase in the overall business processing cycle and cannot make full use of network bandwidth resources and server computing resources for parallel processing.

[0004] In a distributed heterogeneous network environment, the instability of network communication and the differences in business rules can easily lead to distributed transaction consistency problems. When the bank's head office platform passes the access verification but the external guarantee institution rejects the review, or when the bank's head office platform fails the access verification but the external guarantee institution approves the review, the business status will fall into an inconsistent intermediate state. Existing technology lacks an automated compensation mechanism for such inconsistent intermediate states. Inconsistent intermediate states lead to the erroneous use of credit quotas or the long-term retention of invalid guarantee applications. Relying on manual periodic reconciliation to correct inconsistent intermediate states not only consumes maintenance manpower costs, but also cannot meet the requirements of credit business for real-time and accurate data.

[0005] Furthermore, different business systems maintain their own independent business numbering systems, and there is a lack of a unified global identifier that runs through the entire process during cross-system interactions. This makes it difficult to quickly locate the problem link when a business failure occurs. The different systems adopt a tightly coupled direct connection method and lack an independent communication channel isolation mechanism. Single point network failures can easily spread and block the entire business processing link, reducing the overall availability and fault tolerance of the business data interaction system between banks and guarantee institutions. Summary of the Invention

[0006] To address the shortcomings of existing technologies, this invention provides a business data interaction system and method for banks and guarantee institutions. This solves the problems in existing technologies where the serial data interaction logic in the business collaboration mode between banks and guarantee institutions leads to an extended business processing cycle, and in distributed heterogeneous network environments, the lack of bidirectional state locking and automated transaction compensation mechanisms causes the business state to fall into an inconsistent intermediate state, resulting in incorrect use of credit quotas or the retention of invalid applications.

[0007] To achieve the above objectives, the first aspect of the present invention provides a business data interaction system between banks and guarantee institutions, including a data application service platform, a bank core credit system, a bank head office financing platform interface, an external guarantee institution business system, and business terminal equipment; The data application service platform includes a data preprocessing module, an interactive control center module, a multi-channel communication adaptation module, a compensation transaction execution module, and a business execution module. The data preprocessing module is used to retrieve the original pre-loan dataset from the bank's core credit system. The data preprocessing module converts the original pre-loan dataset into a whitelist access dataset and a guarantee application dataset. The interactive control center module is used to receive the whitelist access dataset and the guarantee application dataset. The interactive control center module generates a global business token and maintains a two-way state lock. The multi-channel communication adaptation module is used to send the whitelist access dataset to the bank's head office financing platform interface, send the guarantee application dataset to the external guarantee institution's business system, and receive the first business status value and the second business status value. The compensation transaction execution module is used to send a cancellation instruction to the bank's head office financing platform interface or a termination instruction to the external guarantee institution's business system according to the abnormal rollback strategy when the two-way state lock determines that the business status is in a deadlock state or a non-consistent state. The business execution module is used to activate the image transmission process when the two-way state lock determines that the business status is in a consistent pass state. The image transmission process is used to bind the electronic image data with the global business token and send it to the business system of the external guarantee institution.

[0008] Furthermore, the data preprocessing module is configured with a field mapping rule base and feature extraction mapping logic. Before performing data mapping, the data preprocessing module performs data standardization and cleaning operations on the original pre-loan dataset. The data standardization and cleaning operations include null value field removal, date format unification, and numerical precision truncation. The data preprocessing module maps the original pre-loan dataset to a whitelist access dataset based on the whitelist feature extraction mapping function. The data preprocessing module also maps the original pre-loan dataset to a guarantee application dataset based on the guarantee application feature extraction mapping function.

[0009] Furthermore, the interaction control center module is used to perform a global business token generation operation. The global business token generation operation includes extracting the customer's unique identifier from the whitelist access dataset, obtaining the current timestamp by calling the operating system kernel clock, and generating a random salt value by calling a random number generator. The interaction control center module calculates the global business token based on the customer's unique identifier, the current timestamp, and the random salt value. The interaction control center module uses the global business token as the unique identifier for cross-system business tracking.

[0010] Furthermore, the interactive control hub module creates a transaction status control record in the local memory database. The interactive control hub module initializes a bidirectional state lock in the transaction status control record, setting the bidirectional state lock to a locked state value. The interactive control hub module is configured with state monitoring logic, which receives the first and second business status values. The state monitoring logic executes atomicity determination logic. When the atomicity determination logic determines that the unlocking condition is met, the interactive control hub module updates the bidirectional state lock to an unlock flag and sends a business unlock instruction to the business execution module. When the atomicity determination logic determines that the unlocking condition is not met, the interactive control hub module maintains the locked state of the bidirectional state lock and triggers the compensation transaction execution module.

[0011] Furthermore, the multi-channel communication adapter module is configured with a first communication channel and a second communication channel. The first communication channel establishes a connection with the bank's head office financing platform interface based on the secure version of Hypertext Transfer Protocol and is used to transmit the whitelist access dataset. The second communication channel establishes a connection with the data relay server based on Transmission Control Protocol and is used to transmit the guarantee application dataset. The multi-channel communication adapter module is configured with state extraction logic and response parsing function. The response parsing function uses a regular expression matching algorithm to extract the first business state value from the first original response message and extracts the second business state value from the second original response message.

[0012] Furthermore, the compensation transaction execution module has a built-in transaction compensation decision logic. The transaction compensation decision logic determines the specific compensation operation path based on the combination of the first business status value and the second business status value. When the first business status value indicates approval and the second business status value indicates rejection, the compensation transaction execution module executes the first cancellation operation function to send a cancellation filing instruction. When the first business status value indicates rejection and the second business status value indicates approval, the compensation transaction execution module executes the second termination operation function to send a termination application instruction. When both the first and second business status values ​​indicate rejection, the compensation transaction execution module executes the local log recording operation function.

[0013] Furthermore, the business execution module is used to index and retrieve binary electronic image data from non-volatile storage media based on the global business token. The business execution module performs binding and encapsulation operations on the binary electronic image data and the global business token to generate a transmission packet. The business execution module starts a closed-loop monitoring thread to listen for the final guarantee letter file returned by the external guarantee institution's business system. After verifying the legality of the electronic seal and digital signature of the final guarantee letter file, the business execution module sends a loan confirmation instruction to the bank's core credit system.

[0014] A second aspect of the present invention provides a method for business data exchange between banks and guarantee institutions, comprising the following steps: S1: The data application service platform receives a business initiation request from the business terminal device, sends a raw data query instruction to the bank's core credit system, and receives the raw pre-loan dataset returned by the bank's core credit system. S2: The data application service platform calls the data preprocessing module to convert the original pre-loan dataset into a whitelist access dataset and a guarantee application dataset. The data application service platform calls the interactive control center module to generate a global business token. S3: The data application service platform performs parallel distribution operations through the multi-channel communication adaptation module. The parallel distribution operation sends the whitelist access dataset and global business token to the bank's head office financing platform interface through the first communication channel, and sends the guarantee application dataset and global business token to the external guarantee institution's business system through the second communication channel. S4: The data application service platform starts an asynchronous blocking listening process. The data application service platform receives the first business status value returned by the bank's head office financing platform interface through the first communication channel, and the data application service platform receives the second business status value returned by the external guarantee institution's business system through the second communication channel. S5: The data application service platform determines the process branch based on the first business status value and the second business status value; S6: When the process branch determination result is to enter the loan execution process, the data application service platform will transmit the electronic image data and global business token to the business system of the external guarantee institution. When the process branch determination result is to enter the abnormal handling process, the data application service platform will call the compensation transaction execution module to perform the cancellation of filing, termination of application, or log recording operation.

[0015] This invention provides a system and method for business data exchange between banks and guarantee institutions. It has the following beneficial effects: 1. This invention maintains a two-way state lock through an interactive control central module and uses a multi-channel communication adaptation module to simultaneously initiate parallel distribution operations to the bank's head office financing platform interface and the business system of external guarantee institutions. After receiving the first business state value and the second business state value, the two-way state lock executes atomic judgment logic. The business data interaction system between the bank and the guarantee institution will parallelize the access verification process and pre-approval process for different external systems, shortening the overall business processing time. The two-way state lock mechanism ensures the synchronous update of business status in a concurrent environment and avoids logical conflicts caused by asynchronous response timing.

[0016] 2. This invention generates a global business token consisting of a unique customer identifier, a current timestamp, and a random salt value through an interactive control central module. This global business token is then embedded into all cross-system interactive messages. The multi-channel communication adaptation module connects the bank's head office financing platform interface and the external guarantee institution's business system through independent first and second communication channels, respectively. The global business token provides a unified index key for business transactions across multiple heterogeneous systems, enabling full-process data association and audit tracking. The independent communication channels isolate the network failure risks of different external systems, preventing single-point communication failures from affecting the overall business process.

[0017] 3. This invention is equipped with a compensation transaction execution module, which has built-in transaction compensation decision logic. When the two-way state lock determines that the business status is in an inconsistent state, the transaction compensation decision logic automatically triggers the cancellation of filing operation for the bank's head office financing platform interface or the termination application operation for the external guarantee institution's business system based on the specific combination of the first business status value and the second business status value. The compensation transaction execution module automatically handles the one-sided failure scenario that occurs in the distributed interaction process, releases the occupied credit quota in a timely manner or closes the invalid guarantee application process, and maintains the eventual consistency of data between multiple systems. Attached Figure Description

[0018] Figure 1 This is a block diagram of the physical architecture of the system of the present invention; Figure 2 This is a schematic diagram of the logical architecture and module interaction of the system of the present invention; Figure 3 This is a flowchart illustrating the method of the present invention. Detailed Implementation

[0019] The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. 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 are within the scope of protection of the present invention.

[0020] See attached document Figure 1 The present invention provides a business data interaction system between banks and guarantee institutions, and a data application service platform deployed on the bank branch side. The data application service platform includes at least one computing node and at least one storage node.

[0021] The compute nodes are equipped with a central processing unit and random access memory, while the storage nodes are equipped with non-volatile storage media. The compute nodes establish data connections with the storage nodes through an internal system bus. The data application service platform builds a runtime environment based on virtualization technology, and the runtime environment is equipped with an operating system, a database management system, and application middleware.

[0022] The business data exchange system between banks and guarantee institutions is connected to the bank's core credit system through the bank's internal local area network. The bank's core credit system serves as the original data source, used to store and provide basic profile information of loan applicants, loan amount application information, and counter-guarantee measures information. The data application service platform reads data from the bank's core credit system through application programming interfaces (APIs).

[0023] The business data exchange system between the bank and the guarantee institution is connected to the bank's head office financing platform interface through the bank's internal wide area network. The head office financing platform interface is deployed on the bank's head office server cluster. The head office financing platform interface is used to receive whitelist access verification messages and return whitelist verification results according to the credit access rules set by the bank's head office. Data transmission between the data application service platform and the head office financing platform interface follows the bank's internal system communication protocol.

[0024] The bank's business data interaction system connects to the external guarantee institution's business system via a secure encrypted channel. The external guarantee institution's business system is deployed on the guarantee institution's server. It receives guarantee application messages and electronic image data, and returns the preliminary review results of the guarantee according to the guarantee review rules set by the guarantee institution. A data relay server is connected in series in the secure encrypted channel. The data relay server is deployed in the boundary area between the bank branch and the external Internet. The data relay server is configured with firewall policies and intrusion detection policies. The data relay server is used to perform protocol conversion and virus scanning on data packets entering and leaving the bank's internal network.

[0025] Multiple business terminal devices are connected to the data application service platform through the bank's internal office network. The business terminal devices include desktop personal computers or mobile smart terminals, and each business terminal device runs web browser software. Bank staff access the human-computer interaction interface of the bank and guarantee institution business data interaction system through the web browser software on the business terminal devices. The human-computer interaction interface is used to display the business processing progress, receive manual operation instructions, and display the system processing results.

[0026] The data exchange system between banks and guarantee institutions is physically structured in a star topology, with the data application service platform at its center, radiating outwards to the bank's core credit system, the bank's head office financing platform interface, and the external guarantee institution's business system. This star topology isolates the network failure risks of different external systems. The connections between the data application service platform and the bank's core credit system, the bank's head office financing platform interface, and the external guarantee institution's business system all employ independent data transmission ports and independent network communication threads. These independent data transmission ports and independent network communication threads ensure concurrent processing capabilities and physical link isolation for multi-party data exchange.

[0027] See attached document Figure 1 The business terminal equipment is used to provide bank staff with an access point to the business data interaction system between the bank and the guarantee institution. The business terminal equipment includes desktop computer terminals and mobile handheld terminals. The business terminal equipment is equipped with a central processing unit, volatile memory, non-volatile storage media, LCD display module and input control peripherals, including a standard keyboard and optical mouse. The business terminal equipment is connected to the bank's internal office network through an Ethernet interface or a wireless LAN interface. The bank's internal office network and the data application service platform mainly communicate through the Hypertext Transfer Security Protocol.

[0028] The business terminal equipment is equipped with a desktop operating system, which runs a web browser software. The web browser software supports Hypertext Markup Language, Cascading Style Sheets, and a scripting language interpretation engine. The web browser software is responsible for parsing the front-end page code from the data application service platform. The web browser software renders the parsed front-end page code into a human-computer interaction interface, which is displayed on an LCD display module. The human-computer interaction interface includes a data entry form area, a business status monitoring dashboard area, and an electronic image preview area.

[0029] The business terminal equipment is connected to image acquisition peripherals via a universal serial bus interface. These peripherals include high-resolution document scanners or document scanners. The image acquisition peripherals are used to convert paper credit contracts, paper loan certificates, and customer identification documents into binary electronic image data. The binary electronic image data is transmitted from the image acquisition peripherals to the business terminal equipment and temporarily stored on the non-volatile storage medium of the business terminal equipment. The web browser software reads the binary electronic image data from the non-volatile storage medium and uploads the binary electronic image data to the data application service platform via the Hypertext Transfer Protocol.

[0030] The business terminal equipment is equipped with a digital certificate reading interface, which is used to connect to a portable digital certificate storage medium. The portable digital certificate storage medium stores the private key for identity authentication of bank staff. When the web browser software sends a guarantee business application message or loan confirmation instruction to the data application service platform, it calls the private key for identity authentication in the portable digital certificate storage medium to digitally sign the guarantee business application message or loan confirmation instruction. After receiving the digital signature, the data application service platform verifies the legality of the operation. The digital signature is used to ensure the non-repudiation of operation instructions during the business data interaction between the bank and the guarantee institution.

[0031] See attached document Figure 2 The business data interaction system between banks and guarantee institutions is logically divided into a data preprocessing module, an interaction control center module, a multi-channel communication adaptation module, a compensation transaction execution module, and a business execution module. The data preprocessing module, the interaction control center module, the multi-channel communication adaptation module, the compensation transaction execution module, and the business execution module reside in the application middleware runtime environment of the data application service platform.

[0032] The data preprocessing module connects to the bank's core credit system via an internal data bus. It retrieves the original pre-loan dataset from the core credit system. This dataset includes basic borrower information, loan application details, and risk mitigation measures. The module is equipped with a field mapping rule base. Based on this rule base, the preprocessing module converts the original pre-loan dataset into a whitelist access dataset and a guarantee application dataset. The whitelist access dataset conforms to the data specifications of the bank's head office financing platform interface, while the guarantee application dataset conforms to the data specifications of the external guarantee institution's business system.

[0033] The interactive control center module establishes a signal connection with the data preprocessing module. The interactive control center module is the core logical unit of the business data interaction system between banks and guarantee institutions. The interactive control center module is used to generate a global business token for each guarantee business. The global business token serves as a unique identifier for cross-system business tracking. The interactive control center module calculates the global business token based on the customer's unique identifier, the current timestamp, and a random salt value.

[0034] The interactive control center module maintains a two-way state lock internally. The two-way state lock is used to record and control the synchronization of business status between the bank's head office financing platform interface and the business system of external guarantee institutions. The interactive control center module writes the global business token as an index key value into the two-way state lock.

[0035] The multi-channel communication adapter module establishes a data connection with the interactive control center module. The multi-channel communication adapter module is configured with a first communication channel and a second communication channel. The first communication channel is used to encapsulate the whitelist access dataset and the global business token, and send the encapsulated data packet to the bank's head office financing platform interface. The second communication channel is used to encapsulate the guarantee application dataset and the global business token, and send the encapsulated data packet to the external guarantee institution's business system. The multi-channel communication adapter module is configured with an asynchronous listening port, which is used to receive the first response message from the bank's head office financing platform interface and the second response message from the external guarantee institution's business system.

[0036] The compensation transaction execution module establishes a logical control connection with the interaction control center module. The compensation transaction execution module stores an exception rollback strategy. When the two-way state lock determines that the business state is deadlocked or inconsistent, the compensation transaction execution module sends a cancellation instruction to the bank's head office financing platform interface or a termination instruction to the external guarantee institution's business system according to the exception rollback strategy.

[0037] The business execution module establishes a logical control connection with the interactive control center module. When the two-way state lock determines that the business status is in a consistent pass state, the business execution module activates the image transmission process. The image transmission process is used to bind the electronic image data with the global business token and send it to the external guarantee institution's business system. The business execution module is also used to trigger the loan disbursement process after receiving the loan disbursement notice returned by the external guarantee institution's business system.

[0038] See attached document Figure 2 The data preprocessing module is used to perform the extraction, cleaning, and distribution assembly of business data. The data preprocessing module is configured in the memory space of the data application service platform. The data preprocessing module receives business initiation requests from business terminal devices through the internal data bus. The business initiation request contains a unique customer identifier. The data preprocessing module sends a structured query language instruction to the bank's core credit system based on the unique customer identifier. The data preprocessing module receives the original pre-loan dataset returned by the bank's core credit system. The original pre-loan dataset contains customer basic profile fields, credit line application fields, related party information fields, and counter-collateral information fields.

[0039] Before data mapping, the data preprocessing module first performs data standardization and cleaning operations on the original pre-loan dataset. The data standardization and cleaning operations include null value removal, date format standardization, and numerical precision truncation. The data standardization and cleaning operations are used to ensure that the data items in the original pre-loan dataset conform to the preset data dictionary specifications.

[0040] The data preprocessing module has built-in feature extraction and mapping logic, which is used to map the cleaned original pre-loan dataset into a whitelist access dataset and a guarantee application dataset. The whitelist access dataset is used to meet the data input specifications of the bank's head office financing platform interface, and the guarantee application dataset is used to meet the data input specifications of the external guarantee institution's business system. The data preprocessing module executes the data mapping process through the feature extraction function.

[0041] The data mapping process satisfies the following relationship: ; in: This represents the whitelist access dataset; This refers to the whitelist feature extraction mapping function defined in the interface specification of the bank's head office financing platform; This represents the original pre-loan dataset; This represents a dataset of guarantee application data; This represents the feature extraction mapping function for guarantee applications as defined in the business system specifications of external guarantee institutions.

[0042] The whitelist feature extraction mapping function is configured with a first field filtering rule. The first field filtering rule is used to filter out the unified social credit code field, the proposed credit limit field, and the customer credit rating field from the original pre-loan dataset. The first field filtering rule is used to remove the detailed description field of the counter-collateral and the detailed business transaction field from the original pre-loan dataset. The data preprocessing module encapsulates the data processed by the whitelist feature extraction mapping function into a JavaScript object simplified format message.

[0043] The guarantee application feature extraction mapping function is configured with a second field filtering rule. The second field filtering rule is used to filter out the loan purpose description field, counter-guarantee measures details field, financial statement summary field, and tax record field from the original pre-loan dataset. The guarantee application feature extraction mapping function also performs desensitization processing on sensitive customer privacy fields in the original pre-loan dataset. The data preprocessing module encapsulates the data processed by the guarantee application feature extraction mapping function into an extensible markup language format message.

[0044] After the message is generated, the data preprocessing module performs an integrity check on the whitelist access dataset and the guarantee application dataset. The integrity check is used to confirm that there are no missing required fields in the dataset. After the check is passed, the data preprocessing module transmits the generated whitelist access dataset and guarantee application dataset to the interactive control center module.

[0045] See attached document Figure 2The interactive control hub module resides in the computational logic layer of the data application service platform. The interactive control hub module and the data preprocessing module establish a data transmission channel through an inter-process communication mechanism. The interactive control hub module is used to receive the whitelist access dataset and guarantee application dataset output by the data preprocessing module. The interactive control hub module is responsible for building a global business token and managing a two-way state lock. The global business token is used to uniquely identify a guarantee business transaction in the heterogeneous network environment between the bank's head office financing platform interface and the business system of external guarantee institutions. The two-way state lock is used to maintain the atomicity and consistency of the business state during concurrent asynchronous interaction.

[0046] The interaction control center module first performs a global business token generation operation. The interaction control center module extracts the customer's unique identifier from the whitelist access dataset. The interaction control center module calls the operating system kernel clock to obtain the current timestamp. The interaction control center module calls the random number generator to generate a random salt value. The interaction control center module generates a global business token according to the global business token calculation formula.

[0047] After generating a global business token, the interaction control center module creates a transaction status control record in the local memory database. The interaction control center module writes the global business token as the primary key into the transaction status control record and initializes a two-way state lock in the transaction status control record.

[0048] The initialization formula for the two-way state lock is as follows: ; in: Defined as a two-way state lock value associated with the global business token; when A value of 0 indicates that the two-way state lock is in a locked state.

[0049] The interactive control hub module is configured with state monitoring logic, which is used to receive a first business state value and a second business state value. The first business state value comes from the feedback result of the bank's head office financing platform interface on the whitelist access dataset, and the second business state value comes from the feedback result of the external guarantee institution's business system on the guarantee application dataset. The interactive control hub module executes atomic decision logic based on the first business state value and the second business state value. The atomic decision logic is used to determine whether to unlock the two-way state lock.

[0050] The interactive control center module updates the bidirectional state lock value based on the atomicity determination result. When the atomicity determination result is 1, the interactive control center module updates the bidirectional state lock value to 1. When the bidirectional state lock value is 1, the interactive control center module sends a business unlock instruction to the business execution module. When the atomicity determination result is 0, the interactive control center module keeps the bidirectional state lock value at 0 and triggers the compensation transaction execution module.

[0051] See attached document Figure 2 The multi-channel communication adaptation module is deployed in the network communication layer of the data application service platform. The multi-channel communication adaptation module establishes a bidirectional data connection with the interactive control center module. The multi-channel communication adaptation module is configured with protocol conversion logic for different network protocols. The multi-channel communication adaptation module uses the protocol conversion logic to shield the differences in underlying communication protocols between the bank's head office financing platform interface and the business system of external guarantee institutions.

[0052] The multi-channel communication adaptation module has a first communication channel built inside. The first communication channel establishes a connection with the bank's head office financing platform interface based on the secure version of Hypertext Transfer Protocol. The multi-channel communication adaptation module sends the whitelist access dataset and global business token through the first communication channel. The multi-channel communication adaptation module also receives the first original response message returned by the bank's head office financing platform interface through the first communication channel. The first original response message contains the Hypertext Transfer Protocol status code and the whitelist filing result code.

[0053] The multi-channel communication adaptation module has a second communication channel built inside. The second communication channel establishes a connection with the data relay server based on the transmission control protocol. The data relay server establishes a connection with the business system of the external guarantee institution. The multi-channel communication adaptation module sends the guarantee application dataset and global business token through the second communication channel. The multi-channel communication adaptation module receives the second original response message returned by the business system of the external guarantee institution through the second communication channel. The second original response message contains the guarantee pre-approval status code and error description information.

[0054] The multi-channel communication adapter module is configured with state extraction logic. The state extraction logic is used to convert the first original response message into a first service state value and the second original response message into a second service state value. The state extraction logic ensures that the first service state value and the second service state value conform to the Boolean logic format required by the interactive control center module. The multi-channel communication adapter module performs the state extraction operation according to the state parsing function.

[0055] The state analytic function satisfies the following relationship: ; in: Defined as the first business status value, the first business status value is used to indicate whether the whitelist access verification has passed; Defined as a response parsing function for the bank's head office financing platform interface; Defined as the first original response message; Defined as the second business status value, the second business status value is used to characterize whether the preliminary review of the guarantee business has been approved; Defined as a response parsing function for the business system of external guarantee institutions; Defined as the second original response message.

[0056] The response parsing function in the multi-channel communication adaptation module includes a regular expression matching algorithm. The response parsing function uses the regular expression matching algorithm to extract key status code fields from the first original response message and the second original response message. The multi-channel communication adaptation module pushes the calculated first service status value and second service status value to the interactive control center module in real time. The first service status value and the second service status value serve as input parameters for the interactive control center module to execute the bidirectional status lock determination logic.

[0057] See attached document Figure 2 The compensation transaction execution module resides in the exception handling logic layer of the data application service platform. The compensation transaction execution module establishes a signaling trigger connection with the interaction control center module. The compensation transaction execution module is used to perform business rollback operations when the bidirectional state lock is in a locked state and the unlocking conditions cannot be met. The compensation transaction execution module receives the global business token, the first business status value, and the second business status value from the interaction control center module.

[0058] The compensation transaction execution module has built-in transaction compensation decision logic, which is used to determine the specific compensation operation path based on the combination of the first business status value and the second business status value. The transaction compensation decision logic follows the compensation strategy function.

[0059] The compensation strategy function satisfies the following relationship: ; in: Defined as the compensation operation path to be executed; Defined as the first cancellation operation function for the bank's head office financing platform interface; Defined as a global business token; Defined as the first business status value; Defined as the second business status value; Defined as the second termination operation function for the business system of external guarantee institutions; Defined as a function for local log recording operations; Defined as the logical AND operator.

[0060] When the transaction compensation decision logic calculation result is the first cancellation operation function, the compensation transaction execution module generates a cancellation filing instruction. The compensation transaction execution module sends the cancellation filing instruction to the bank's head office financing platform interface through the multi-channel communication adaptation module. The cancellation filing instruction contains a global business token. The bank's head office financing platform interface releases the pre-occupied credit limit based on the global business token.

[0061] When the transaction compensation decision logic calculation result is the second termination operation function, the compensation transaction execution module generates a termination application instruction. The compensation transaction execution module sends the termination application instruction to the external guarantee institution's business system through the multi-channel communication adaptation module. The termination application instruction contains a global business token. The external guarantee institution's business system closes the corresponding guarantee pre-approval process based on the global business token.

[0062] When the transaction compensation decision logic calculation result is a local log recording operation function, the compensation transaction execution module extracts the error code corresponding to the first business status value and the error code corresponding to the second business status value. The compensation transaction execution module writes the error code and the global business token into the local system log database. The content stored in the local system log database is used for subsequent business fault investigation and auditing. After completing the compensation operation path, the compensation transaction execution module sends a transaction termination signal to the interaction control center module. The transaction termination signal is used to notify the interaction control center module to remove the transaction status control record in memory.

[0063] See attached document Figure 3 This invention provides a method for business data exchange between banks and guarantee institutions, comprising the following steps: S1: The data application service platform receives a business initiation request from a business terminal device. The business initiation request includes a unique customer identifier. The data application service platform responds to the business initiation request by sending a raw data query instruction to the bank's core credit system. The data application service platform receives the raw pre-loan dataset returned by the bank's core credit system.

[0064] S2: The data application service platform calls the data preprocessing module to convert the original pre-loan dataset into a whitelist access dataset and a guarantee application dataset. The data application service platform calls the interactive control center module to generate a global business token. The global business token is calculated by a one-way hash algorithm using a unique customer identifier, the current timestamp, and a random salt value. The global business token is used to mark the same business transaction in subsequent steps.

[0065] S3: The data application service platform performs parallel distribution operations through the multi-channel communication adaptation module. The parallel distribution operations include sending the whitelist access dataset and global business token to the bank's head office financing platform interface through the first communication channel, and sending the guarantee application dataset and global business token to the external guarantee institution's business system through the second communication channel. The data application service platform records the distribution timestamp when performing the parallel distribution operations.

[0066] S4: The data application service platform starts an asynchronous blocking listener process. The asynchronous blocking listener process is used to wait for and receive feedback results. The data application service platform receives the first business status value returned by the bank's head office financing platform interface through the first communication channel. The data application service platform receives the second business status value returned by the external guarantee institution's business system through the second communication channel. The data application service platform keeps the business logic suspended until it receives the first business status value and the second business status value.

[0067] S5: The data application service platform executes process branch determination based on the first business status value and the second business status value. Process branch determination is used to determine the subsequent business process direction, and process branch determination follows the logic gating function.

[0068] Logic gate functions satisfy the following relationship: ; in: Defined as the process branch determination result, a determination result of 1 indicates entering the loan disbursement execution process, and a determination result of 0 indicates entering the exception handling process; Defined as the first business status value; Defined as the second business status value; Defined as a logical AND operator; Defined as a logical OR operator.

[0069] S6: The data application service platform executes corresponding operations based on the process branch determination results. When the process branch determination result is 1, the data application service platform retrieves the electronic image data uploaded by the business terminal device. The data application service platform transmits the electronic image data and the global business token to the business system of the external guarantee institution through a secure encrypted channel. When the process branch determination result is 0, the data application service platform calls the compensation transaction execution module. The compensation transaction execution module executes the cancellation filing operation, termination application operation, or log recording operation based on the specific combination of the first business status value and the second business status value.

[0070] See attached document Figure 2 The business execution module indexes and retrieves binary electronic image data from non-volatile storage media based on the global business token. The binary electronic image data is uploaded and stored by the business terminal device during the business initiation phase. The binary electronic image data includes scanned copies of loan contracts, loan vouchers, and customer identity documents. The business execution module performs integrity verification on the retrieved binary electronic image data. Integrity verification is used to ensure that the binary electronic image data stored in non-volatile storage media has not undergone bit flips or file corruption.

[0071] The business execution module performs a binding and encapsulation operation on the binary electronic image data that has passed integrity verification and the global business token. The binding and encapsulation operation aims to establish a unique association between the unstructured image file and the business transaction logic, and generates a transmission packet.

[0072] The business execution module calls the multi-channel communication adaptation module, which sends the transmission packet to the external guarantee institution's business system through the second communication channel. The second communication channel uses a secure file transmission protocol. The external guarantee institution's business system receives the transmission packet, parses the global business token in the transmission packet, and archives the binary electronic image data to the corresponding guarantee business file based on the global business token.

[0073] After completing the transmission packet sending operation, the business execution module starts a closed-loop monitoring thread. The closed-loop monitoring thread is used to listen for the final guarantee letter file returned by the external guarantee institution's business system. The final guarantee letter file contains the electronic seal and digital signature of the external guarantee institution. The business execution module receives the final guarantee letter file and verifies the legality of the electronic seal and digital signature. After the legality verification is successful, the business execution module sends a loan confirmation instruction to the bank's core credit system. The loan confirmation instruction marks the end of the business data interaction process between the bank and the guarantee institution.

[0074] See attached document Figure 2 The global business token generation technology is executed by the interaction control hub module in the data application service platform. The global business token generation technology is used to construct an index key that uniquely identifies a single business transaction throughout the entire lifecycle of business data interaction between banks and guarantee institutions. The global business token generation technology adopts a cryptographic hash algorithm based on multi-factor hybridization. The multi-factor hybridization mechanism ensures that the global business token has collision resistance in the distributed system.

[0075] The interactive control center module first performs the generation factor acquisition operation, which includes extracting customer identity identifiers, capturing system clock readings, and generating cryptographic random numbers. The interactive control center module reads customer identity identifiers from the whitelist access dataset output by the data preprocessing module. Customer identity identifiers are unique codes used to distinguish different borrowers. The interactive control center module calls the operating system kernel's time service interface to read the system clock reading. The system clock reading is accurate to milliseconds and is used to ensure that the global business tokens generated by business requests initiated by the same customer at different times are different. The interactive control center module calls the hardware random number generator to generate cryptographic random numbers. Cryptographic random numbers are used to provide high entropy values ​​to defend against rainbow table attacks.

[0076] The interactive control center module performs factor serialization and concatenation operations. It converts the customer identity identifier into a standard character encoded byte stream, converts the system clock reading into a long integer value byte stream, converts the cryptographic random number into a binary byte stream, and concatenates the standard character encoded byte stream, long integer value byte stream, and binary byte stream into a data block to be hashed according to a predefined bit order.

[0077] The interactive control center module performs secure hashing and encoding conversion operations on the data block to be hashed. The interactive control center module uses a secure hashing algorithm to perform digest calculation on the data block to be hashed. The interactive control center module converts the binary hash value obtained from the digest calculation into a hexadecimal string format, which is the global business token.

[0078] The interactive control center module stores the generated global business token in the transaction control table of the in-memory database. The transaction control table sets the global business token as the primary key index. The interactive control center module distributes the global business token to the multi-channel communication adaptation module. The multi-channel communication adaptation module embeds the global business token into the header of the message sent to the bank's head office financing platform interface. The multi-channel communication adaptation module also embeds the global business token into the header of the message sent to the business system of the external guarantee institution. The global business token is used to associate the original business request in the subsequent asynchronous callback process.

[0079] See attached document Figure 2 The multi-channel communication adapter module is equipped with a thread pool manager. After receiving the distribution instruction from the interaction control center module, the thread pool manager requests a first independent communication thread and a second independent communication thread from the thread pool. The first independent communication thread is used to establish a hypertext transfer protocol connection to the bank's head office financing platform interface, and the second independent communication thread is used to establish a transmission control protocol connection to the external guarantee institution's business system. The first independent communication thread writes the whitelist access dataset and the global business token into the first sending buffer, and the second independent communication thread writes the guarantee application dataset and the global business token into the second sending buffer.

[0080] After completing the buffer write operation, the multi-channel communication adapter module registers an asynchronous event listener with the operating system kernel. The asynchronous event listener is bound to the first communication port and the second communication port. The asynchronous event listener is in a suspended waiting state to reduce the CPU resource consumption. When the first communication port or the second communication port receives a binary data stream, the operating system kernel wakes up the asynchronous event listener.

[0081] The asynchronous event listener performs message parsing and token extraction operations on the received binary data stream. The asynchronous event listener parses the business token carried by the responder from the message header and transmits the parsed business token to the interaction control center module. The interaction control center module uses a state accumulator to record the completion status of concurrent requests. The state accumulator resides in the memory variable area.

[0082] After each update of the synchronization status value, the interaction control center module performs a status threshold determination. When the synchronization status value equals the preset full threshold, the interaction control center module determines that all parallel requests are completed. The preset full threshold is the sum of the status weight value corresponding to the bank's head office financing platform interface and the status weight value corresponding to the external guarantee institution's business system. The interaction control center module then reads the first business status value and the second business status value and enters the subsequent business logic branch judgment process. If the synchronization status value is less than the preset full threshold, the interaction control center module continues to maintain the subscription state of the asynchronous event listener.

[0083] See attached document Figure 2 The state lock determination logic is executed by the interaction control center module. The state lock determination logic aims to ensure the eventual consistency between the bank's head office financing platform interface and the business system of external guarantee institutions in distributed transactions. The state lock determination logic is triggered immediately after the parallel asynchronous request and state listening process ends. The state lock determination logic calculates the transaction decision index and fault classification code based on the first business state value and the second business state value.

[0084] The interactive control center module reads the first business status value and the second business status value from the memory variable area. The interactive control center module reads the current bit status of the two-way status lock from the transaction status control record. The interactive control center module performs status determination calculation by applying integer arithmetic operations. The status determination calculation avoids the precision uncertainty caused by floating-point operations.

[0085] The state lock determination logic follows the following numerical calculation formula: ; in: Defined as a transaction decision index, the transaction decision index is used to indicate whether the locking status of the two-way state lock should be released; Defined as a floor function; Defined as the first business status value, a first business status value of 1 indicates that the bank's filing was successful, and a value of 0 indicates failure; Defined as the second business status value, a second business status value of 1 indicates that the pre-approval of the guarantee side is successful, and a value of 0 indicates failure; Defined as a fault classification code, the fault classification code is used to indicate a specific combination pattern of anomalies.

[0086] The interaction control center module performs branch routing operations based on the transaction decision index. When the transaction decision index value is 1, the interaction control center module determines that the current business transaction meets the atomicity commit condition. The interaction control center module updates the current bit state of the two-way state lock to the unlock flag and sends a loan execution instruction containing the global business token to the business execution module.

[0087] When the transaction decision index value is 0, the interaction control center module determines that the current business transaction does not meet the atomicity commit condition. The interaction control center module maintains the locked state of the two-way state lock and transmits the fault classification code to the compensation transaction execution module.

[0088] The interactive control center module uses fault classification codes to accurately map compensation strategies. When the fault classification code value is 1, the fault classification code is mapped to a one-sided failure scenario for the business system of the external guarantee institution. When the fault classification code value is 2, the fault classification code is mapped to a one-sided failure scenario for the financing platform interface of the bank's head office. When the fault classification code value is 3, the fault classification code is mapped to a two-sided rejection scenario. The fault classification code ensures that the compensation transaction execution module can select a uniquely determined rollback path. After the state lock judgment logic is completed, the interactive control center module clears the temporary state data in the memory variable area.

[0089] See attached document Figure 2 The compensation transaction execution module receives the fault classification code and global business token from the interactive control center module. Based on the fault classification code, the compensation transaction execution module locks the target communication endpoint that needs to perform the rollback operation.

[0090] When the fault classification code indicates that the bank's head office financing platform interface is unilaterally successful, the compensation transaction execution module retrieves the quota release interface definition for the bank's head office financing platform interface, generates a quota release request message, which contains a global business token, and sends the quota release request message through the first communication channel of the multi-channel communication adaptation module.

[0091] When the fault classification code indicates that the external guarantor's business system has achieved unilateral success, the compensation transaction execution module retrieves the application cancellation interface definition for the external guarantor's business system. The compensation transaction execution module generates a guarantee application cancellation request message, which contains a global business token. The compensation transaction execution module sends the guarantee application cancellation request message through the second communication channel of the multi-channel communication adapter module.

[0092] The compensation transaction execution module enables an exponential backoff retry mechanism when sending a quota release request message or a guarantee application cancellation request message. The exponential backoff retry mechanism is used to solve the problem of compensation request sending failure caused by temporary network jitter. The exponential backoff retry mechanism calculates the time interval between two adjacent compensation request sending operations.

[0093] The time interval satisfies the following relationship: ; in: Defined as a time interval, the time interval represents the thread sleep duration of the compensation transaction execution module before initiating the next network request; Defined as the base sleep time, the base sleep time is set to 200 milliseconds; Defined as a retreat growth factor, the retreat growth factor is set to 2; Defined as the current retry count, which is a positive integer.

[0094] The compensation transaction execution module monitors the current retry count in real time. When the current retry count does not exceed the preset maximum number of retries, the compensation transaction execution module resends the request message after the hibernation period ends. When the current retry count exceeds the preset maximum number of retries, the compensation transaction execution module determines that the compensation operation has ultimately failed. The compensation transaction execution module writes the global business token, fault classification code, and current timestamp into the disaster recovery log database. The disaster recovery log database is used to trigger the manual operation and maintenance intervention process.

[0095] See attached document Figure 2 The multi-channel communication adaptation module first performs a structure parsing operation on the input data packet. The structure parsing operation splits the data packet into a business data payload and an external fingerprint. The multi-channel communication adaptation module sorts all key-value pairs in the business data payload in ascending order of key name ASCII code. The multi-channel communication adaptation module then concatenates the sorted key-value pairs into a standardized verification string.

[0096] The multi-channel communication adapter module reads the preset communication key from the secure storage area. The multi-channel communication adapter module uses a secure hash algorithm to perform a hash operation on the combination of the standardized verification string and the preset communication key. The hash operation generates a locally computed fingerprint. The multi-channel communication adapter module executes the fingerprint consistency comparison logic.

[0097] The fingerprint consistency comparison logic satisfies the following relationship: ; in: Defined as a verification result status code, a verification code of 1 indicates that the verification passed, and a verification code of 0 indicates that the verification failed; Defined as a secure hash algorithm function; Defined as a standardized string to be verified; Defined as a binary concatenation operator; Defined as a preset communication key; Defined as an externally carried fingerprint.

[0098] When the verification result status code is 1, the multi-channel communication adapter module determines that the data packet source is trustworthy and has not been tampered with. The multi-channel communication adapter module then extracts the service status value from the service data payload. When the verification result status code is 0, the multi-channel communication adapter module determines that the data packet has a security risk. The multi-channel communication adapter module directly discards the data packet and writes an anti-tampering alarm record to the security audit log. The anti-tampering alarm record includes the source Internet Protocol address and the abnormal timestamp.

[0099] See attached document Figure 2 The interactive control center module first sets a delayed query timer. The delayed query timer is used to reserve the processing time window required for the bank's core credit system and the business system of external guarantee institutions to complete the internal data persistence. When the delayed query timer returns to zero, the interactive control center module retrieves the global business token from memory.

[0100] The interactive control center module constructs a two-way final state query message based on the global business token. The interactive control center module sends the two-way final state query message to the bank's core credit system and to the external guarantee institution's business system. The interactive control center module receives the bank-side final state dataset returned by the bank's core credit system. The bank-side final state dataset contains the bank loan status code and the actual disbursement amount. The interactive control center module also receives the guarantee-side final state dataset returned by the external guarantee institution's business system. The guarantee-side final state dataset contains the guarantee letter's effective status code and the guarantee liability amount.

[0101] The interactive control center module performs a consistency quantification assessment on the final state datasets of the bank side and the guarantee side. The consistency quantification assessment determines whether the records of the two systems match by calculating the consistency verification index.

[0102] The consistency verification index is calculated according to the following formula: ; in: Defined as the consistency verification index, a consistency verification index of 1 indicates complete consistency, and a value less than 1 indicates that there are differences; Defined as a bank loan receipt status code, with a value of 1 indicating that the loan receipt is valid and a value of 0 indicating that the loan receipt is not valid; Defined as a logical AND operator; Defined as the guarantee letter's effective status code, with a value of 1 indicating that the guarantee letter is effective and a value of 0 indicating that the guarantee letter is not effective; Defined as the amount difference sensitivity coefficient, the amount difference sensitivity coefficient is set to a positive floating-point number; Defined as the actual amount disbursed; Defined as the amount of the guarantee liability; Defined as the absolute value operator.

[0103] The interaction control center module performs business closed-loop determination based on the consistency verification index. When the consistency verification index equals 1, the interaction control center module determines that the business data interaction closed loop is successful and updates the corresponding business transaction record to the archived state. When the consistency verification index is less than 1, the interaction control center module determines that there is a final state difference in the business data interaction. The interaction control center module generates a manual verification work order, which includes the global business token, the bank-side final state dataset, and the guarantee-side final state dataset. The interaction control center module sends the manual verification work order to the operation and maintenance monitoring management terminal.

Claims

1. A business data exchange system between banks and guarantee institutions, characterized in that, This includes a data application service platform, the bank's core credit system, the bank's head office financing platform interface, the business systems of external guarantee institutions, and business terminal equipment; The data application service platform includes a data preprocessing module, an interactive control center module, a multi-channel communication adaptation module, a compensation transaction execution module, and a business execution module. The data preprocessing module is used to retrieve the original pre-loan dataset from the bank's core credit system and convert the original pre-loan dataset into a whitelist access dataset and a guarantee application dataset. The interactive control hub module is used to receive the whitelist access dataset and the guarantee application dataset, generate a global business token, and maintain a two-way state lock. The multi-channel communication adaptation module is used to send the whitelist access dataset to the bank's head office financing platform interface, send the guarantee application dataset to the external guarantee institution's business system, and receive the first business status value and the second business status value. The compensation transaction execution module is used to send a cancellation instruction to the bank's head office financing platform interface or a termination instruction to the external guarantee institution's business system according to the abnormal rollback strategy when the two-way state lock determines that the business status is deadlocked or inconsistent. The business execution module is used to activate the image transmission process when the two-way state lock determines that the business status is in a consistent pass state. The image transmission process is used to bind the electronic image data with the global business token and send it to the external guarantee institution's business system.

2. The business data interaction system between banks and guarantee institutions according to claim 1, characterized in that, The data preprocessing module is configured with a field mapping rule base and feature extraction mapping logic. Before performing data mapping, the data preprocessing module performs data standardization and cleaning operations on the original pre-loan dataset. The data standardization and cleaning operations include null value field removal, date format unification, and numerical precision truncation. The data preprocessing module maps the original pre-loan dataset to the whitelist access dataset according to the whitelist feature extraction mapping function. The data preprocessing module maps the original pre-loan dataset to the guarantee application dataset according to the guarantee application feature extraction mapping function.

3. The business data interaction system between banks and guarantee institutions according to claim 1, characterized in that, The interactive control hub module is used to perform a global business token generation operation. The global business token generation operation includes extracting a unique customer identifier from the whitelist access dataset, calling the operating system kernel clock to obtain the current timestamp, and calling a random number generator to generate a random salt value. The interactive control hub module calculates the global business token based on the unique customer identifier, the current timestamp, and the random salt value. The interactive control hub module uses the global business token as a unique identifier for cross-system business tracking.

4. The business data interaction system between banks and guarantee institutions according to claim 1, characterized in that, The interactive control central module creates a transaction status control record in the local memory database and initializes the bidirectional state lock in the transaction status control record. The bidirectional state lock is initialized to a locked state value. The interactive control central module is configured with state monitoring logic, which is used to receive the first business state value and the second business state value, and execute atomicity determination logic. When the atomicity determination logic determines that the unlocking condition is met, the interactive control central module updates the bidirectional state lock to an unlocking identifier and sends a business unlocking instruction to the business execution module. When the atomicity determination logic determines that the unlocking condition is not met, the interactive control central module maintains the locked state of the bidirectional state lock and triggers the compensation transaction execution module.

5. The business data interaction system between banks and guarantee institutions according to claim 1, characterized in that, The multi-channel communication adaptation module is configured with a first communication channel and a second communication channel. The first communication channel establishes a connection with the bank's head office financing platform interface based on the secure version of Hypertext Transfer Protocol (HTTP) for transmitting the whitelist access dataset. The second communication channel establishes a connection with the data relay server based on Transmission Control Protocol (TCP) for transmitting the guarantee application dataset. The multi-channel communication adaptation module is configured with state extraction logic and a response parsing function. The response parsing function uses a regular expression matching algorithm to extract the first business state value from the first original response message and extracts the second business state value from the second original response message.

6. The business data interaction system between banks and guarantee institutions according to claim 1, characterized in that, The compensation transaction execution module has built-in transaction compensation decision logic. The transaction compensation decision logic determines the specific compensation operation path based on the combination of the first business status value and the second business status value. When the first business status value indicates approval and the second business status value indicates rejection, the compensation transaction execution module executes the first cancellation operation function to send a cancellation filing instruction. When the first business status value indicates rejection and the second business status value indicates approval, the compensation transaction execution module executes the second termination operation function to send a termination application instruction. When the first business status value indicates rejection and the second business status value indicates rejection, the compensation transaction execution module executes the local log recording operation function.

7. The business data interaction system between banks and guarantee institutions according to claim 1, characterized in that, The business execution module is used to index and retrieve binary electronic image data from non-volatile storage media based on the global business token. The business execution module performs a binding and encapsulation operation on the binary electronic image data and the global business token to generate a transmission packet. The business execution module starts a closed-loop monitoring thread to listen for the final guarantee letter file returned by the external guarantee institution's business system. After verifying the legality of the electronic seal and digital signature of the final guarantee letter file, the business execution module sends a loan confirmation instruction to the bank's core credit system.

8. The business data interaction system between banks and guarantee institutions according to claim 1, characterized in that, The business terminal device is equipped with a digital certificate reading interface, which is connected to a portable digital certificate storage medium storing the identity authentication private key. When the web browser software running on the business terminal device sends a guarantee business application message or a loan confirmation instruction, it calls the identity authentication private key to perform digital signature. The business data interaction system between the bank and the guarantee institution forms a star topology structure in physical architecture, with the data application service platform as the center, radiating to the bank's core credit system, the bank's head office financing platform interface, and the external guarantee institution's business system.

9. The business data interaction system between banks and guarantee institutions according to claim 1, characterized in that, The multi-channel communication adaptation module performs a structure parsing operation on the input data packet, splitting the data packet into a business data payload and an externally carried fingerprint. The multi-channel communication adaptation module sorts and concatenates the key-value pairs of the business data payload to obtain a standardized verification string, and uses a secure hash algorithm to perform a hash operation on the combination of the standardized verification string and a preset communication key to generate a locally computed fingerprint. The multi-channel communication adaptation module executes fingerprint consistency comparison logic, and when the locally computed fingerprint matches the externally carried fingerprint, it is determined that the source of the data packet is trustworthy.

10. A method for business data exchange between banks and guarantee institutions, characterized in that, A business data interaction system between banks and guarantee institutions according to any one of claims 1 to 9 includes the following steps: S1: The data application service platform receives a business initiation request from a business terminal device. The data application service platform sends a raw data query instruction to the bank's core credit system and receives the raw pre-loan dataset returned by the bank's core credit system. S2: The data application service platform calls the data preprocessing module to convert the original pre-loan dataset into a whitelist access dataset and a guarantee application dataset, and calls the interactive control center module to generate a global business token; S3: The data application service platform performs parallel distribution operations through the multi-channel communication adaptation module, sending the whitelist access dataset and the global business token to the bank's head office financing platform interface through the first communication channel, and sending the guarantee application dataset and the global business token to the external guarantee institution's business system through the second communication channel; S4: The data application service platform starts an asynchronous blocking listening process, receives the first business status value returned by the bank's head office financing platform interface through the first communication channel, and receives the second business status value returned by the external guarantee institution's business system through the second communication channel. S5: The data application service platform performs process branch determination based on the first business status value and the second business status value; S6: When the process branch determination result is to enter the loan disbursement execution process, the data application service platform transmits the electronic image data and the global business token to the external guarantee institution's business system. When the process branch determination result is to enter the exception handling process, the data application service platform calls the compensation transaction execution module to perform the cancellation of filing, termination of application, or log recording operation.

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