Bank interface and enterprise software

Basic Concepts 1. Differences between online banking and direct bank-enterprise connection 1.1 Online Banking

In short, online banking refers to the various services carried out by banks on the Internet, that is, banking customers use their personal computers to obtain banking services over the Internet, banks use dedicated servers to provide various online services. For banks, this efficient and round-the-clock service can attract more users, and online banking itself can greatly reduce the number of branches of existing banks, reduce staff, and improve work efficiency.

1.2. Direct bank-enterprise connection

Direct bank-enterprise connection is a new online direct connection between online enterprise banking systems and enterprise financial software systems. Through the Internet or leased line connection, the bank-enterprise direct connection realizes the organic integration and smooth connection between the banking and enterprise computer systems. Through the finance system interface, enterprises can directly manage and schedule their bank accounts and funds, and perform information query, transfer and payment, and other business operations. At the same time, direct bank-enterprise connection can provide support for enterprises to develop and customize personalized functions in their financial systems, with distinctive features of information synchronization, efficient and simple, personalized services, and security and reliability. Direct bank-enterprise connection can interconnect with the enterprise computer system to conveniently complete banking-related transactions of the enterprise system.

By learning about online banking and direct bank-enterprise connection, we can see that online banking and direct bank-enterprise connection can complete the banking business of enterprises. The difference is that online banking cannot integrate the enterprise system, it cannot be connected to the enterprise system organically. Therefore, You need to log on to the Bank's online banking system for manual data entry or import and export. Direct bank-enterprise connection has overcome these drawbacks. Direct bank-enterprise connection can be connected to the enterprise system. It can connect the enterprise's business system with the banking system in a virtual way to seamlessly complete various banking services of the enterprise. In addition, through direct bank-enterprise connection, enterprises can build a unified platform, while online banking cannot.

2 Terminology 2.1 interface IP Address type

The service IP address of a bank is mainly the IP address of the bank's internal banking service. This IP address is fixed for the bank and will not change with the customer's changes. This IP address is mainly used for banking services of Enterprise front-end hosts.ProgramThe bank needs to connect to this IP address for the enterprise client program installed by each customer.

The service IP address of the front-end server is the access address of the enterprise client. The IP address can be adjusted according to the customer's network, and the service port can be adjusted according to the customer's front-end server. The front-end banking service program is mainly responsible for data encryption, verification and forwarding. The Bank client program connects to the bank service IP address and provides the data receiving and sending functions for the enterprise program. Therefore, the front-end banking service program usually requires two IP addresses, one is the service IP address of the bank, and the other is the IP address and port that provides services to the Enterprise. The IP address that provides services to an enterprise is also the IP address of the frontend server where the program is located.

The interface communication IP address is the IP address of the user's Enterprise Client Connecting to the front-end server. This IP address is usually the IP address of the bank service program.

2.2 Packets

Even if the message is a text format agreed by both parties, the message is very important as a data exchange. In the process of daily data exchange, the message must be correct, and it must be the same as agreed. Otherwise, the recipient cannot understand the clear intention of the received data.

2.2.1 Packet type

Currently, the interface usually uses the following types of packets:

XML message:The so-called XML is also an international standard document format. The main advantage of XML packets is that the information is clear, easy to read and understand, and the length of each field can be adjusted at any time.

Fixed Length string:The format of such packets is to specify a length of information as the predefined content, and send the data to be transmitted to the other party through a fixed length. Since the length is agreed by both parties, after receiving the data, the recipient can know the Fixed Length of information.

Fixed order separator (multi-domain string ):The format of the message generally requires the order of the fields of the message. Then, all types of information transmitted are separated by separators. You can analyze the data delimiters to determine the information location and complete data transmission.

Note: The preceding section describes several common message formats. During daily use, the preceding types of packets can be integrated, however, generally, a fixed-length or multi-domain string can be nested in XML.

2.3 Communication Method

Ole mode: Generally, the Bank provides Ole development controls and call instructions, the client installs and registers these controls, and interacts with the data according to the call instructions provided by the Bank, data Encryption, sending, receiving, and decryption.

Sock communication: the preferred IP address and port for providing services for banks. The client sends the agreed transaction packets to this IP address and port. Then, it receives the data returned by the bank.

2.4 Bank signing

When using direct bank-enterprise connection, it is equivalent to a clerk in a bank within the group. All transactions are completed by the Clerk. The so-called clerk is the bank's unique identification number for the group's users, some banks are customer accounts and some banks are called operators, which are an access factor for banks to accept transactions. Because all accounts of the group are managed by the Clerk, signing a bank contract is equivalent to creating operation permissions for the clerk (customer number, operator) on the account of the group. After the contract is signed, the bank needs to initialize the operator account based on the specific content of the contract. After these functions are completed, the enterprise can operate the contracted account as the clerk to complete daily transactions.

2.5 Contract Mode

Currently, the signing mode of a bank is classified into two types. One is the separate payment and expenditure mode, which defines the income accounts and expenditure accounts of each account within the bank. The transactions of such contracted accounts must be transferred in accordance with the Bank's internal Income and Expenditure directions. The other type is the unified revenue and expenditure model, which is within the Bank, and the income and expenditure between contracted accounts is not in the direction. Any account can transfer funds. When you make an external payment, you can make an external payment transaction as long as the payment account has the permission to make an external payment.

2.6 Transfer funds

Fund transfer occurs within the group. The group's total account collects funds from the accounts of subordinate units. If the group adopts the Separate Revenue and Expenditure model, the funds are collected from the income account. If the unified revenue and expenditure mode is used, the funds charged for all subaccounts that are allowed to be allocated are collected.

2.7 Fund allocation

Funds are distributed within the Group. The transfer of funds from the group's total account to the subordinate units.

2.8 Allocation Strategy

A transfer policy is a user-specified transaction rule for transferring funds with certain features. With a transfer policy, the interface can automatically transfer funds with the function of a transfer policy, accounts that use the transfer policy are limited to accounts that have been contracted within the group.

2.9 Linkage dial-down

In the case of an external payment transaction, the subaccount has no balance due to the subaccount payment, at this time, the interface will automatically allocate funds to the sub-account from the total account, so that the sub-account balance meets the amount paid by the sub-account

This document is for reference only. This document describes how to use it for the enterprise banking system. The so-called enterprise banking refers to the business similarity with professional banks, but it can only be set up for group companies, A financial company, also known as a settlement center or a financial company with a scale and certified by a Chinese bank, can initiate financing.