TWI596559B - Host device for a bank transaction system - Google Patents
Host device for a bank transaction system Download PDFInfo
- Publication number
- TWI596559B TWI596559B TW105123367A TW105123367A TWI596559B TW I596559 B TWI596559 B TW I596559B TW 105123367 A TW105123367 A TW 105123367A TW 105123367 A TW105123367 A TW 105123367A TW I596559 B TWI596559 B TW I596559B
- Authority
- TW
- Taiwan
- Prior art keywords
- transaction
- reply
- processing unit
- channel
- core processing
- Prior art date
Links
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
本發明是有關於一種主機設備，特別是指一種用於銀行交易系統的主機設備。 The present invention relates to a host device, and more particularly to a host device for a banking transaction system.
現有的各金融機構例如銀行所推出的線上金融商品服務變化快速，且所合作的連外機構的類別也愈發多樣化，譬如財金公司、聯合***中心或票據交換所等等。每當銀行與新的連外機構共同合作來服務新的線上金融商品時，為了在銀行的主機設備與新的連外機構的主機之間進行資料傳輸時，恐需額外採購專用於新的連外機構之主機的通訊伺服器或申請內部之虛擬化機器平台(Vmware)資源。除此之外，恐還需逐一規劃交易輸入、輸出等資料的格式及加、解密安全驗證模組連接方式，才可開始進行業務邏輯之應用程式開發作業，因此恐易衍生因採購新設備導致工期延長、開發及後續衍生之維護成本提高、需額外建置系統備援機制、交易規格種類繁多不易管理，及安全性驗證作業採分散式處理方式不易控管等缺點。 The online financial services provided by various financial institutions such as banks have changed rapidly, and the types of cooperatives that are cooperating have become more diverse, such as financial companies, joint credit card centers or clearing houses. Whenever a bank cooperates with a new company to serve new online financial products, it is necessary to purchase additional data for the new company in order to transfer data between the host device of the bank and the host of the new company. The communication server of the host of the external organization or the internal virtual machine platform (Vmware) resource. In addition, it is necessary to plan the format of transaction input and output data and the connection method of adding and decrypting the security verification module one by one before starting the application development of the business logic, so it is easy to derive the purchase of new equipment. The extension of the construction period, the development and subsequent derivative maintenance costs, the additional system backup mechanism, the variety of transaction specifications are difficult to manage, and the safety verification operations are not easy to control.
由上述可知，現有的金融機構的主機設備在支援新增 線上金融商品服務上仍有很大的改善空間。 As can be seen from the above, the host device of the existing financial institution is supporting the addition. There is still much room for improvement in online financial goods services.
因此，本發明之其中一目的，即在提供一種用於一銀行交易系統的主機設備，可克服上述習知技術的至少一缺點。 Accordingly, it is an object of the present invention to provide at least one disadvantage of the above-described prior art in providing a host device for a banking transaction system.
於是，本發明一種用於一銀行交易系統的主機設備，該銀行交易系統包含多個通路服務端，及多個資訊供應端，該主機設備包含一核心處理單元、一通路服務端控制單元，及一資訊供應端控制單元。 Thus, the present invention is a host device for a banking transaction system, the banking transaction system comprising a plurality of access servers, and a plurality of information providers, the host device comprising a core processing unit, a channel server control unit, and An information supply control unit.
該通路服務端控制單元電連接該核心處理單元，並適於連接該等通路服務端，該通路服務端控制單元在接收到來自該等通路服務端其中一個的一相關於一金融交易且具有該通路服務端所唯一對應的獨特格式之交易內容的交易輸入時，在通過該交易輸入之該獨特格式與該交易內容、及該核心處理單元之操作狀態的檢核後，驗證該交易輸入，並且在該交易輸入被成功驗證後，將該交易輸入的該獨特格式轉換成一可被該核心處理單元識別且唯一對應於該通路服務端的通用格式，而且將具有該通用格式的該交易輸入傳送至該核心處理單元，以致該核心處理單元在接收到來自該通路服務端控制單元的該交易輸入後執行相關於該金融交易的處理，該通路服務端控制單元在接收到一來自該核心處理單元且相關於該金融交易的回覆訊息時，將該回覆訊息轉換成具有該獨特格 式，並將轉換後的該回覆訊息傳送至該通路服務端。 The path server control unit is electrically connected to the core processing unit and is adapted to connect to the path server, the path server control unit receiving a related financial transaction from one of the path servers and having the When the transaction of the transaction content of the unique format corresponding to the path server is input, the transaction input is verified after the unique format input by the transaction and the transaction content and the operation status of the core processing unit are checked, and After the transaction input is successfully verified, the unique format of the transaction input is converted into a common format that is identifiable by the core processing unit and uniquely corresponding to the channel server, and the transaction input having the universal format is transmitted to the transaction format a core processing unit, such that the core processing unit performs processing related to the financial transaction after receiving the transaction input from the path server control unit, the path server control unit receiving a correlation from the core processing unit In response to the financial transaction, the reply message is converted to have Unique grid And transmitting the converted reply message to the path server.
該資訊供應端控制單元電連接核心處理單元，且利用網路通訊協定，對於該等資訊供應端其中每一者，建立可彼此通訊且專用的至少一個通道，並提供多個分別符合於該等資訊供應端的資料介面，該資訊供應端控制單元在接收到一來自該核心處理單元且相關於該等資訊供應端其中一者的內部交易請求或對應於一外部交易請求且相關於另一金融交易的外部交易回覆時，利用符合於該資訊供應端的該資料介面處理該內部交易請求或該外部交易回覆，並經由對應於該資訊供應端的該至少一通道，將處理過的該內部交易請求或該外部交易回覆傳送至該資訊供應端，以致該資訊供應端在接收到來自該資訊供應端控制單元的該內部交易請求或該外部交易回覆時，執行相關於該內部交易請求或該外部交易回覆之操作，該資訊供應端控制單元在接收到來自該資訊供應端的一相關於該內部交易請求的內部交易回覆或該外部交易請求時，驗證該內部交易回覆或該外部交易請求，並在成功驗證該內部交易回覆或該外部交易請求後，將轉換成具有可被該核心處理單元識別的通用格式，而且將轉換後的該內部交易回覆或該外部交易請求該內部交易回覆或該外部交易請求傳送至該核心處理單元，以致該核心處理單元在接收到來自該資訊供應端控制單元的該內部交易回覆或該外部交易請求後，產生一對應於該內部交易回覆的回覆訊息或者執行 該另一金融交易以產生該外部交易回覆。 The information supply control unit is electrically connected to the core processing unit, and uses a network communication protocol to establish at least one channel that can communicate with each other and is dedicated to each of the information providers, and provides a plurality of respectively corresponding to the same Information interface of the information provider, the information supply control unit receives an internal transaction request from the core processing unit and is related to one of the information providers or corresponds to an external transaction request and is related to another financial transaction Processing the internal transaction request or the external transaction reply by using the data interface conforming to the information provider, and processing the processed internal transaction request or the via the corresponding at least one channel of the information provider The external transaction reply is transmitted to the information provider, so that the information provider performs the internal transaction request or the external transaction reply when receiving the internal transaction request or the external transaction reply from the information provider control unit. Operation, the information supply control unit receives the information from the When an internal transaction reply or the external transaction request related to the internal transaction request is verified, the internal transaction reply or the external transaction request is verified, and after successfully verifying the internal transaction reply or the external transaction request, it is converted into having an a common format recognized by the core processing unit, and the converted internal transaction reply or the external transaction requesting the internal transaction reply or the external transaction request is transmitted to the core processing unit such that the core processing unit receives the After the internal transaction reply or the external transaction request of the information provider control unit, a reply message corresponding to the internal transaction reply is generated or executed The other financial transaction is to generate the external transaction reply.
在一些實施態樣中，該交易輸入包含該通路服務端的身分資料，且該通路服務端控制單元包括一通訊模組、一處理模組及一格式轉換模組。該通訊模組適於連接該等通路服務端以接收來自該通路服務端的該交易輸入。該處理模組電連接該通訊模組及該核心處理單元，接收來自該通訊模組的該交易輸入，並操作來檢核該交易輸入之該獨特格式與該交易內容、及該核心處理單元之操作狀態，而且在確認出該交易輸入的該獨特格式與交易內容無誤且該核心處理單元處在正常操作狀態時，藉由根據該交易輸入所包含的該身分資料確認該通路服務端的身分之方式來驗證該交易資料是否為真，並且在該交易輸入被成功驗證後，產生一包含該交易輸入的驗證結果。該格式轉換模組電連接該處理模組，且接收來自該處理模組的該驗證結果，並操作來將該交易輸入的該獨特格式轉換成一可被該核心處理單元識別且唯一對應於該通路服務端的通用格式，而且將具有該通用格式的該交易輸入傳送該處理模組，以致該處理模組在接收到來自該格式轉換模組的該交易輸入，將該交易輸入傳送至該核心處理單元。該處理模組在接收到來自該核心處理單元的該回覆訊息時，將該回覆訊息傳送至該格式轉換模組，以致該格式轉換模組將該回覆訊息轉換成具有該獨特格式，並將轉換後的該回覆訊息傳送至該處理模組並藉由該通訊模組傳送至該通路服 務端。 In some implementations, the transaction input includes identity data of the path server, and the channel server control unit includes a communication module, a processing module, and a format conversion module. The communication module is adapted to connect to the channel servers to receive the transaction input from the channel server. The processing module is electrically connected to the communication module and the core processing unit, receives the transaction input from the communication module, and operates to check the unique format of the transaction input and the transaction content, and the core processing unit Operation mode, and when it is confirmed that the unique format of the transaction input and the transaction content are correct and the core processing unit is in a normal operation state, the manner of confirming the identity of the channel server by the identity data included in the transaction input is confirmed. To verify that the transaction data is true, and after the transaction input is successfully verified, a verification result containing the transaction input is generated. The format conversion module is electrically coupled to the processing module and receives the verification result from the processing module, and operates to convert the unique format of the transaction input into a uniquely identifiable by the core processing unit and corresponding to the path a general format of the server, and transmitting the transaction input having the general format to the processing module, such that the processing module receives the transaction input from the format conversion module, and transmits the transaction input to the core processing unit . The processing module transmits the reply message to the format conversion module when receiving the reply message from the core processing unit, so that the format conversion module converts the reply message into the unique format and converts The subsequent reply message is transmitted to the processing module and transmitted to the service device by the communication module Service.
在一些實施態樣中，該資訊供應端控制單元包括一連線模組、一資料介面模組及一處理模組。該連線模組利用網路通訊協定，對於該等資訊供應端其中每一者，建立可彼此通訊的至少一個通道。該資料介面模組提供多個分別符合於該等資訊供應端的資料介面。該處理模組電連接該核心處理單元、該資料介面模組及該連線模組，且在接收到來自該核心處理單元且相關於該資訊供應端的該內部交易請求或該外部交易回覆時，利用該資料介面模組所提供且符合於該資訊供應端的該資料介面處理該內部交易請求或該外部交易回覆，並經由該連線模組所建立對應於該資訊供應端的該至少一通道，將處理過的該內部交易請求或該外部交易回覆藉由該連線模組傳送至該資訊供應端，並且在藉由該連線模組接收到來自該資訊供應端的該內部交易回覆或該外部交易請求時，驗證該內部交易回覆或該外部交易請求，並在成功驗證該內部交易回覆或該外部交易請求後，將轉換成具有可被該核心處理單元識別的通用格式，而且將轉換後的該內部交易回覆或該外部交易請求傳送至該核心處理單元。 In some implementations, the information supply control unit includes a connection module, a data interface module, and a processing module. The connection module utilizes a network communication protocol to establish at least one channel that can communicate with each other for each of the information providers. The data interface module provides a plurality of data interfaces respectively corresponding to the information providers. The processing module is electrically connected to the core processing unit, the data interface module, and the connection module, and when receiving the internal transaction request or the external transaction response from the core processing unit and related to the information provider, Processing the internal transaction request or the external transaction reply by using the data interface provided by the data interface module and conforming to the information provider, and establishing the at least one channel corresponding to the information supply terminal via the connection module, The processed internal transaction request or the external transaction reply is transmitted to the information supply terminal by the connection module, and the internal transaction reply or the external transaction from the information supply terminal is received by the connection module At the request, the internal transaction reply or the external transaction request is verified, and after successfully verifying the internal transaction reply or the external transaction request, it is converted into a common format that can be recognized by the core processing unit, and the converted An internal transaction reply or the external transaction request is transmitted to the core processing unit.
在一些實施態樣中，該網路通訊協定包含傳送控制協定(TCP)及網際網路協定(IP)其中至少一者，且該資訊供應端控制單元係根據TCP/IP SOCKET連線技術來建立對於該等資訊 供應端其中每一者的該至少一個通道。 In some implementations, the network communication protocol includes at least one of a Transmission Control Protocol (TCP) and an Internet Protocol (IP), and the information provider control unit is established according to a TCP/IP SOCKET connection technology. For such information The at least one channel of each of the supply ends.
在一些實施態樣中，對於該等資訊供應端的每一者，該連線模組根據該TCP/IP SOCKET連線技術在該主機設備一開機即彈性地建立該至少一個通道，且在該主機設備關機前關閉該至少一個通道，並在偵測出該至少一個通道發生異常時產生警示通知，而且重新建立因異常而中斷的該至少一個通道，並且允許以手動方式建立該至少一個通道。 In some implementations, for each of the information providers, the connection module flexibly establishes the at least one channel upon booting of the host device according to the TCP/IP SOCKET connection technology, and at the host The at least one channel is closed before the device is turned off, and an alert notification is generated when an abnormality is detected in the at least one channel, and the at least one channel interrupted due to the abnormality is re-established, and the at least one channel is allowed to be manually established.
本發明至少具有以下功效：該資訊供應端控制單元能建立與每一資訊供應端專用於通訊的至少一通道，且對於每一資訊供應端能提供一符合的資料介面，以使得所欲傳送之資料能符合於該資訊供應端所需之資料格式，再經由所建立的至少一專用通道將一內部交易請求(或外部交易回覆)傳送至該資訊供應端，以供其執行相關之操作。另一方面，該資訊供應端控制單元在成功驗證所接收到的一相關的內部交易回覆(或外部交易請求)後，將其傳送至該核心處理單元進行後續處理。由於上述處理過程毋須使用用於連接該等資訊供應端的通訊伺服器，因此可節省相關硬體在採購、設置及維護上的花費。 The present invention has at least the following effects: the information supply control unit can establish at least one channel dedicated to communication with each information provider, and can provide a matching data interface for each information provider to enable the desired transmission. The data can be adapted to the data format required by the information provider, and an internal transaction request (or external transaction reply) is transmitted to the information provider via the established at least one dedicated channel for performing related operations. On the other hand, the information provider control unit transmits the received internal transaction reply (or external transaction request) to the core processing unit for subsequent processing after successfully verifying the received related internal transaction reply (or external transaction request). Since the above processing does not require the use of a communication server for connecting to the information providers, the cost of purchasing, setting, and maintaining the related hardware can be saved.
100‧‧‧銀行交易系統 100‧‧‧Bank Trading System
1‧‧‧主機設備 1‧‧‧Host equipment
11‧‧‧核心處理單元 11‧‧‧ core processing unit
12‧‧‧通路服務端控制單元 12‧‧‧Path server control unit
121‧‧‧通訊模組 121‧‧‧Communication Module
122‧‧‧處理模組 122‧‧‧Processing module
123‧‧‧格式轉換模組 123‧‧‧Format Conversion Module
13‧‧‧資訊供應端控制單元 13‧‧‧Information Supply Control Unit
131‧‧‧連線模組 131‧‧‧Connection module
132‧‧‧資料介面模組 132‧‧‧Data interface module
1321‧‧‧資料介面 1321‧‧‧Information interface
133‧‧‧處理模組 133‧‧‧Processing module
2‧‧‧通路服務端 2‧‧‧Channel server
2’‧‧‧通路服務端 2’‧‧‧Path Service
3‧‧‧資訊供應端 3‧‧‧Information supply end
3’‧‧‧資訊供應端 3’‧‧‧Information Supply
41‧‧‧通訊網路 41‧‧‧Communication network
42‧‧‧通訊網路 42‧‧‧Communication network
421‧‧‧通道 421‧‧‧ channel
421’‧‧‧通道 421’‧‧‧ channel
本發明之其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中： 圖1是一方塊圖，示例地說明一配置有本發明主機設備的銀行交易系統之實施例的硬體配置；及圖2是一方塊圖，示例地說明本發明主機設備之實施例的硬體配置。 Other features and effects of the present invention will be apparent from the embodiments of the drawings, in which: 1 is a block diagram exemplarily illustrating a hardware configuration of an embodiment of a banking transaction system equipped with a host device of the present invention; and FIG. 2 is a block diagram illustrating an example of hardware of an embodiment of a host device of the present invention. Configuration.
請參閱圖1，本發明一種主機設備1是例如歸屬於一銀行，特別是一家銀行企業或公司的總行，且被應用於一銀行交易系統100，該銀行交易系統100包含多個例如該銀行所提供的通路服務端2，2’及多個例如與該銀行在線上金融商品服務合作之連外機構所屬的資訊供應端3，3’。在本實施例中，每一通路服務端2，2’例如可為一自動櫃員機(ATM)、網路自動櫃員機或一行動支付平台，但不以此為限，而該等資訊供應端3，3’可包含例如財金公司、聯合***中心或票據交換等所屬的主機，但不以此為限。該銀行交易系統100可供一使用者進行一相關於該銀行或其他銀行的線上金融交易。 Referring to FIG. 1, a host device 1 of the present invention is, for example, a head office belonging to a bank, particularly a banking company or company, and is applied to a banking transaction system 100, which includes a plurality of, for example, the bank. The provided service server 2, 2' and a plurality of information providers 3, 3' belonging to an external organization that cooperates with the bank's online financial goods service. In this embodiment, each of the service terminals 2, 2' may be, for example, an automatic teller machine (ATM), a network automatic teller machine, or a mobile payment platform, but not limited thereto, and the information supply terminals 3, 3' may include, for example, a financial company, a joint credit card center, or a bill exchange, but is not limited thereto. The bank transaction system 100 allows a user to conduct an online financial transaction associated with the bank or other bank.
該主機設備1包含一核心處理單元11、一通路服務端控制單元12及一資訊供應端控制單元13。 The host device 1 includes a core processing unit 11, a path server control unit 12, and an information supply terminal control unit 13.
該通路服務端控制單元12電連接該核心處理單元11，並適於透過一通訊網路41連接至該等通路服務端2，2’。在本實施例中，該通訊網路41包含例如用於連接其他分行所屬之通路服務端 2的專屬網路、及例如用於連接該銀(總)行所屬的通路服務端2，2’的專屬網路。 The path server control unit 12 is electrically coupled to the core processing unit 11 and is adapted to be coupled to the path servers 2, 2' via a communication network 41. In this embodiment, the communication network 41 includes, for example, a path server for connecting other branches to which the branch belongs. A dedicated network of 2, and a dedicated network for connecting, for example, the access server 2, 2' to which the silver (total) line belongs.
該資訊供應端控制單元13電連接該核心處理單元11。在本實施例中，該資訊供應端控制單元13適於利用網路通訊協定，對於每一資訊供應端3，3’，在例如專屬網路的一通訊網路42中建立可彼此通訊且專用的單一通道421，以供雙向的資料傳輸之用。值得注意的是，在其他實施例中，該資訊供應端控制單元13，對於任意一個資訊供應端3，3’，可依實際需求建立一對分別用於傳送與接收的專用通道。 The information supply terminal control unit 13 is electrically connected to the core processing unit 11. In this embodiment, the information provider control unit 13 is adapted to establish, by means of a network communication protocol, a communication and a dedicated communication between each of the information providers 3, 3' in a communication network 42 such as a dedicated network. A single channel 421 for bidirectional data transmission. It should be noted that in other embodiments, the information providing end control unit 13 can establish a pair of dedicated channels for transmitting and receiving respectively for any one of the information providing ends 3, 3'.
請參閱圖2，在本實施例中，該通路服務端控制單元12包括一適於經由該通訊網路41連接該等通路服務端2，2’(圖2僅繪出該通路服務端2’)的通訊模組121、一電連接該通訊模組121及該核心處理單元11的處理模組122、及一電連接該處理模組122的格式轉換模組123。 Referring to FIG. 2, in the embodiment, the path server control unit 12 includes a path server 2, 2' suitable for connecting via the communication network 41 (only the channel server 2 is depicted in FIG. 2). The communication module 121, the processing module 122 electrically connected to the communication module 121 and the core processing unit 11, and the format conversion module 123 electrically connected to the processing module 122.
以下將示例地詳細說明該通路服務端控制單元12的運作。 The operation of the access server control unit 12 will be described in detail below by way of example.
當該通訊模組121接收到來自例如該通路服務端2’的一相關於一金融交易且具有該通路服務端2’所唯一對應的獨特格式之交易內容的交易輸入時，該通訊模組121將該交易輸入傳送至該處理模組122。舉例來說，該金融交易為一對於該銀行所開立之 帳戶的提款交易，且該通路服務端2’為一自動櫃員機。 When the communication module 121 receives a transaction input from, for example, the channel server 2' related to a financial transaction and having a transaction format uniquely corresponding to the path server 2', the communication module 121 The transaction input is transmitted to the processing module 122. For example, the financial transaction is a bank opened for the bank. The withdrawal transaction of the account, and the access server 2' is an automated teller machine.
該處理模組122在接收到來自該通訊模組121的該交易輸入後，係操作來檢核該交易輸入之該獨特格式與該交易內容、及該核心處理單元11之操作狀態。在本實施例中，該處理模組122例如藉由確認該交易輸入的該獨特格式與該交易內容是否無誤同時該核心處理單元11是否處在正常操作狀態來決定該交易輸入與該核心處理單元11之操作狀態是否通過該檢核。依照前例，在此階段，該處理模組122確認該交易輸入的該獨特格式是否正確、該交易內容中的提款金額是否合理無誤及該核心處理單元11是否處在正常操作狀態。若該確認結果為肯定時(即該交易輸入與該核心處理單元11之操作狀態通過檢核)，則該處理模組122接著驗證該交易輸入。在本實施例中，該交易輸入還包含例如該通路服務端2’的身分資料，並且該處理模組122藉由根據該身分資料來確認該通路服務端2’的身分之方式來驗證該交易資料是否為真，但不以此為限。換言之，藉由確認出該通路服務端2’之身分無誤後，即排除了該輸入交易來自網路駭客端之可能，如此該交易資料被視為成功驗證。該處理模組122在成功驗證該輸入交易後，產生一包含該交易輸入的驗證結果，並將該驗證結果傳送至該格式轉換模組123。 After receiving the transaction input from the communication module 121, the processing module 122 operates to check the unique format of the transaction input, the transaction content, and the operation status of the core processing unit 11. In this embodiment, the processing module 122 determines the transaction input and the core processing unit, for example, by confirming whether the unique format of the transaction input and whether the transaction content is correct and whether the core processing unit 11 is in a normal operating state. Whether the operation state of 11 passes the check. According to the previous example, at this stage, the processing module 122 confirms whether the unique format of the transaction input is correct, whether the withdrawal amount in the transaction content is reasonable, and whether the core processing unit 11 is in a normal operating state. If the result of the confirmation is positive (ie, the transaction input passes the check with the operational status of the core processing unit 11), the processing module 122 then verifies the transaction input. In this embodiment, the transaction input further includes, for example, identity data of the channel server 2', and the processing module 122 verifies the transaction by confirming the identity of the channel server 2' according to the identity data. Whether the information is true, but not limited to this. In other words, by confirming that the identity of the service server 2' is correct, the possibility that the incoming transaction is from the Internet client is excluded, so that the transaction data is regarded as successful verification. After successfully verifying the input transaction, the processing module 122 generates a verification result including the transaction input, and transmits the verification result to the format conversion module 123.
該格式轉換模組123在接收來自該處理模組122的該驗證結果時，操作來將該交易輸入的該獨特格式轉換成一可被該核 心處理單元11識別且唯一對應於該通路服務端2’的通用格式，而且將具有該通用格式的該交易輸入傳送至該處理模組122，以致該處理模組122在接收到來自該格式轉換模組123且具有該通用格式的該交易輸入，將具有該通用格式的該交易輸入傳送至該核心處理單元11。 The format conversion module 123, when receiving the verification result from the processing module 122, operates to convert the unique format of the transaction input into a core that can be The heart processing unit 11 identifies and uniquely corresponds to the general format of the path server 2', and transmits the transaction input having the general format to the processing module 122, so that the processing module 122 receives the conversion from the format. Module 123 and having the transaction input in the general format, transmits the transaction input having the general format to the core processing unit 11.
該核心處理單元11在接收到來自該通路服務端控制單元12的該處理模組122且具有該通用格式的該交易輸入後，執行相關於該金融交易的處理，且產生一相關於該金融交易的回覆訊息，並將該回覆訊息輸出至該通路服務端控制單元12的該處理模組122。依照前例，在此階段，該核心處理單元11執行了將該帳戶之餘額扣除該提款金額之處理，並產生一例如指示出(提款)交易成功與帳戶餘額的回覆訊息，而且將該回覆訊息輸出至該通路服務端控制單元12的該處理模組122。 After receiving the transaction input from the processing module 122 of the path server control unit 12 and having the common format, the core processing unit 11 performs processing related to the financial transaction and generates a financial transaction related thereto. Replying to the message and outputting the reply message to the processing module 122 of the path server control unit 12. According to the previous example, at this stage, the core processing unit 11 performs a process of deducting the balance of the account from the withdrawal amount, and generates a reply message indicating, for example, (withdrawal) transaction success and account balance, and the reply The message is output to the processing module 122 of the path server control unit 12.
另一方面，該通路服務端控制單元12的該處理模組122在接收到例如來自該核心處理單元11且相關於該金融交易的該回覆訊息時，將該回覆訊息傳送至該格式轉換模組123，以致該格式轉換模組123還將該回覆訊息轉換成具有該獨特格式，並將轉換後的該回覆訊息傳送至該處理模組122並藉由該通訊模組121傳送至該通路服務端2’。依照前例，在此階段，該通路服務端2’(即該自動櫃員機)可接收到來自該通路服務端控制單元12並具有該通路服 務端2’所唯一對應之獨特格式的該回覆訊息，以供該通路服務端2’將該回覆訊息顯示或提供給該金融交易的實際操作者之用。 On the other hand, the processing module 122 of the path server control unit 12 transmits the reply message to the format conversion module when receiving the reply message from the core processing unit 11 and related to the financial transaction. The format conversion module 123 further converts the reply message into the unique format, and transmits the converted reply message to the processing module 122 and transmits the signal to the path server through the communication module 121. 2'. According to the previous example, at this stage, the access server 2' (i.e., the automated teller machine) can receive and have the service from the access server control unit 12 The reply message uniquely corresponding to the client 2' corresponds to the reply message for the channel server 2' to display or provide the reply message to the actual operator of the financial transaction.
請再參閱圖2，在此實施例中，該資訊供應端控制單元13包括一連線模組131、一提供多個分別符合於該等資訊供應端3，3’(圖2僅繪出該資訊供應端3’)的資料介面1321的資料介面模組132，及一電連接該核心處理單元11、該連線模組131及該資料介面模組132的處理模組133。 Referring to FIG. 2 again, in this embodiment, the information supply terminal control unit 13 includes a connection module 131, and a plurality of providing the information supply terminals 3, 3' respectively (FIG. 2 only depicts the The data interface module 132 of the information interface 131 of the information provider 3') and the processing module 133 of the core processing unit 11, the connection module 131 and the data interface module 132 are electrically connected.
該連線模組131利用該網路通訊協定，對於每一資訊供應端3，3’，建立該對應的通道421，421’(見圖1)。在本實施例中，該網路通訊協定例如包含傳送控制協定(TCP)及網際網路協定(IP)其中至少一者，且該連線模組131係根據例如TCP/IP SOCKET連線技術來建立該對應於每一資訊供應端3，3’的該通道421，421’，但不以此為限。特別是，該連線模組131根據該TCP/IP SOCKET連線技術例如可在該主機設備1一開機時即彈性地建立該等通道421，421’，且可在該主機設備1關機前關閉該等通道421，421’，但不以此為限。此外，該連線模組131還可在偵測出任一通道421，421’發生異常時產生警示通知，而且重新建立因異常而中斷的任一通道421，421’，並且允許以手動方式建立該通道421，421’，但不以此為限，藉此確保通道穩定。 The connection module 131 uses the network communication protocol to establish the corresponding channel 421, 421' for each information supply terminal 3, 3' (see Fig. 1). In this embodiment, the network communication protocol includes, for example, at least one of a Transmission Control Protocol (TCP) and an Internet Protocol (IP), and the connection module 131 is based on, for example, a TCP/IP SOCKET connection technology. The channel 421, 421' corresponding to each information supply terminal 3, 3' is established, but not limited thereto. In particular, the connection module 131 can flexibly establish the channels 421, 421' when the host device 1 is powered on according to the TCP/IP SOCKET connection technology, and can be turned off before the host device 1 is powered off. The channels 421, 421 ', but not limited thereto. In addition, the connection module 131 can also generate an alert notification when an abnormality occurs in any of the channels 421, 421', and re-establish any channel 421, 421 ' interrupted by the abnormality, and allow the manual to be established. Channels 421, 421 ', but not limited to this, to ensure that the channel is stable.
以下將示例地詳細說明該資訊供應端控制單元13‘的 運作。 The information supply terminal control unit 13' will be described in detail below by way of example. Operation.
該處理模組132在接收到一來自該核心處理單元11且相關於例如該資訊供應端3’的內部交易請求或對應於一外部交易請求且相關於另一金融交易的外部交易回覆時，利用該資料介面模組132所提供的符合於該資訊供應端3’的該資料介面處理該內部交易請求或該外部交易回覆。然後，該處理模組133經由該連線模組131所建立對應於該資訊供應端3’的該通道421’，將處理過的該內部交易請求或該外部交易回覆藉由該連線模組131傳送至該資訊供應端3’。舉例來說，該資訊供應端3’例如是一家支援不同銀行間之金融往來的財金公司的主機，且該核心處理單元11係可回應於例如該銀行所屬的例如自動櫃員機之該通路服務端2’所產生的一相關於跨行提款之金融交易之交易輸入，而產生該內部交易請求，或者該外部交易請求係來自該資訊供應端3’且相關於例如其他銀行所屬之金融帳戶所提出之另一跨行轉帳的金融交易，並且該核心處理單元11可回應於該外部交易請求而產生例如指示出(存款)交易成功的該外部交易回覆。如此，該資訊供應端控制單元13將相關於跨行提款的該內部交易請求或相關於跨轉帳的該外部交易回覆經由所建立的該專用通道421’傳送至該資訊供應端3’。 The processing module 132 utilizes upon receiving an internal transaction request from the core processing unit 11 and related to, for example, the information provider 3' or an external transaction response corresponding to an external transaction request and related to another financial transaction. The data interface provided by the data interface module 132 conforming to the information provider 3' processes the internal transaction request or the external transaction reply. Then, the processing module 133 establishes the channel 421 ′ corresponding to the information providing end 3 ′ via the connection module 131 , and the processed internal transaction request or the external transaction reply is returned by the connection module. 131 is transmitted to the information supply terminal 3'. For example, the information provider 3' is, for example, a host of a financial company that supports financial transactions between different banks, and the core processing unit 11 is responsive to, for example, the gateway server of the ATM to which the bank belongs, for example. 2' generated a transaction input related to a cross-bank withdrawal financial transaction to generate the internal transaction request, or the external transaction request is from the information provider 3' and related to, for example, a financial account to which another bank belongs Another financial transaction that transfers funds across the bank, and the core processing unit 11 can generate, for example, the external transaction reply indicating that the (deposit) transaction was successful in response to the external transaction request. Thus, the information provider control unit 13 transmits the internal transaction request related to the inter-bank withdrawal or the external transaction reply related to the cross-transfer to the information supply terminal 3' via the established dedicated channel 421'.
該資訊供應端3’在接收到來自該資訊供應端控制單元13的該內部交易請求或該外部交易回覆時，執行相關於該內部交易 請求或該外部交易回覆之操作。依照上例，當該資訊供應端3’接收到相關於跨行提款的該內部交易請求時，該資訊供應端3’會將該內部交易請求傳送至一相關的其他銀行端，並等待其回覆。或者，當該資訊供應端3’接收到相關於跨行轉帳的該外部交易回覆時，該資訊供應端3’會將該外部交易回覆傳送至一相關的其他銀行端。 The information provider 3' performs relevant internal transactions when receiving the internal transaction request or the external transaction reply from the information provider control unit 13 Request or reply to the external transaction. According to the above example, when the information provider 3' receives the internal transaction request related to the interbank withdrawal, the information provider 3' transmits the internal transaction request to an associated other bank and waits for the reply. . Alternatively, when the information provider 3' receives the external transaction reply related to the interbank transfer, the information provider 3' transmits the external transaction reply to an associated other bank.
當該資訊供應端控制單元13藉由該連線模組131接收到來自例如該資訊供應端3’的一相關於該內部交易請求的內部交易回覆或該外部交易請求時，該處理模組133利用例如現有驗證技術來驗證該內部交易回覆或該外部交易請求，並在成功驗證該內部交易回覆或該外部交易請求後，將轉換成具有可被該核心處理單元識別的通用格式，而且將轉換後的該內部交易回覆或該外部交易請求傳送至該核心處理單元11。值得注意的是，在本實施例中，該內部交易回覆或該外部交易請求還包含例如客戶密碼、訊息驗證碼(MAC，Message Authentication Code)與晶片交易驗證碼(TAC，Transaction Authentication Code或ARQC，Authorisation Request Cryptogram)等驗證資料，但不在此限，以致該處理模組133可根據該驗證資料來驗證該內部交易回覆或該外部交易請求。依照上例，當該資訊供應端3'接收到來自其他銀行端、相關於該內部交易請求且例如指示出(提款)交易成功與帳戶餘額的該內部交易回覆時，該資訊供應端3’將該內部交易回覆經由該專用通道421’傳送至該資訊供應端控 制單元13。或者，該資訊端3’例如將所接收到來自其他銀行端且相關於該跨行轉帳之金融交易的該外部交易請求經由該專用通道421’傳送至該資訊供應端控制單元13。之後，該處理模組133在成功驗證該內部交易回覆或該外部交易請求後，將轉換成具有可被該核心處理單元識別的通用格式，而且將轉換後的該內部交易回覆或該外部交易請求傳送至該核心處理單元11。 When the information provider control unit 13 receives an internal transaction reply or the external transaction request related to the internal transaction request from, for example, the information provider 3' by the connection module 131, the processing module 133 Validating the internal transaction reply or the external transaction request using, for example, an existing verification technique, and after successfully verifying the internal transaction reply or the external transaction request, will be converted to have a common format that can be recognized by the core processing unit, and will be converted The subsequent internal transaction reply or the external transaction request is transmitted to the core processing unit 11. It should be noted that, in this embodiment, the internal transaction reply or the external transaction request further includes, for example, a customer password, a message authentication code (MAC), and a Transaction Authentication Code (TAC). Authorisation Request Cryptogram), but not the limit, so that the processing module 133 can verify the internal transaction reply or the external transaction request according to the verification data. According to the above example, when the information provider 3' receives the internal transaction reply from other bank terminals, related to the internal transaction request and indicates, for example, the (withdrawal) transaction success and the account balance, the information provider 3' Sending the internal transaction reply to the information supply terminal via the dedicated channel 421' Unit 13. Alternatively, the information terminal 3' transmits the external transaction request received from other bank terminals and related to the financial transaction of the interbank transfer to the information supply terminal control unit 13 via the dedicated channel 421'. Afterwards, the processing module 133, after successfully verifying the internal transaction reply or the external transaction request, converts to have a common format that can be recognized by the core processing unit, and converts the converted internal transaction reply or the external transaction request. Transfer to the core processing unit 11.
該核心處理單元11在接收到來自該資訊供應端控制單元13的該處理模組131的該內部交易回覆或該外部交易請求後，產生一對應於該內部交易回覆的回覆訊息或者執行該另一金融交易以產生該外部交易回覆。依照前例，當該核心處理單元11接收到來自該處理模組133的該內部交易回覆時，產生例如指示出(提款)交易成功及帳戶餘額的回覆訊息，並將該回覆訊息傳送至該通路服務端控制單元12，以便該通路服務單元12接著執行上述的相關操作。或者，當該核心處理單元11接收到來自該處理模組133的該外部交易請求時，在執行完相關的入帳處理後產生該外部交易回覆，並將該外部交易回覆傳送至該處理模組133，以便該資訊供應端控制單元13接著執行上述的相關操作。 After receiving the internal transaction reply or the external transaction request from the processing module 131 of the information providing end control unit 13, the core processing unit 11 generates a reply message corresponding to the internal transaction reply or executes the other Financial transactions to generate the external transaction reply. According to the previous example, when the core processing unit 11 receives the internal transaction reply from the processing module 133, a reply message indicating, for example, (tick withdrawal) transaction success and account balance is generated, and the reply message is transmitted to the path. The server controls the unit 12 so that the path service unit 12 then performs the related operations described above. Alternatively, when the core processing unit 11 receives the external transaction request from the processing module 133, the external transaction reply is generated after the relevant accounting process is executed, and the external transaction reply is transmitted to the processing module. 133, so that the information provider control unit 13 then performs the above-described related operations.
綜上所述，該通路服務控制單元12能整合該等通路服務端2，2’之輸出/輸入的交易格式，集中進行重要欄位押解密及安全性驗證控管操作，並藉由該格式轉換模組123執行該等通路服務 端2，2’與該核心處理單元11之間的帳務處理及訊息溝通，藉此可簡化交易資料規格、預留彈性業務調整空間、及縮短系統維護所需時間。此外，由於該資訊供應端控制單元13能依據每一資訊供應端3，3’之需求提供客製化資料介面並建立該專用通道421，421’並且達到資料格式的轉換，本發明主機設備1不需經由額外通訊伺服器即可連接該等資訊供應端3，3’。因此，本發明主機設備1能以較低成本來提供穩定的金融交易服務。另一方面，由於該通路服務控制單元12及該資訊供應端控制單元13各自負起驗證其安全控管作業，該核心處理單元11能以相對較高的處理效率來之執行相關處理。故確實能達成本發明之目的。 In summary, the channel service control unit 12 can integrate the output/input transaction formats of the channel server terminals 2, 2', and centrally perform important field deletion decryption and security verification control operations, and by using the format The conversion module 123 performs the same path service The accounting processing and message communication between the terminal 2, 2' and the core processing unit 11 can simplify the transaction data specification, reserve flexible service adjustment space, and shorten the time required for system maintenance. In addition, since the information supply terminal control unit 13 can provide a customized data interface according to the requirements of each information supply terminal 3, 3' and establish the dedicated channel 421, 421 ' and achieve data format conversion, the host device 1 of the present invention These information providers 3, 3' can be connected without additional communication servers. Therefore, the host device 1 of the present invention can provide a stable financial transaction service at a lower cost. On the other hand, since the path service control unit 12 and the information supply terminal control unit 13 each assume verification of their security control operations, the core processing unit 11 can perform related processing with relatively high processing efficiency. Therefore, the object of the present invention can be achieved.
惟以上所述者，僅為本發明之實施例而已，當不能以此限定本發明實施之範圍，凡是依本發明申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾，皆仍屬本發明專利涵蓋之範圍內。 However, the above is only the embodiment of the present invention, and the scope of the invention is not limited thereto, and all the equivalent equivalent changes and modifications according to the scope of the patent application and the patent specification of the present invention are still The scope of the invention is covered.
100‧‧‧銀行交易系統 100‧‧‧Bank Trading System
3‧‧‧資訊供應端 3‧‧‧Information supply end
1‧‧‧主機設備 1‧‧‧Host equipment
3’‧‧‧資訊供應端 3’‧‧‧Information Supply
11‧‧‧核心處理單元 11‧‧‧ core processing unit
41‧‧‧通訊網路 41‧‧‧Communication network
12‧‧‧通路服務端控制單元 12‧‧‧Path server control unit
42‧‧‧通訊網路 42‧‧‧Communication network
13‧‧‧資訊供應端控制單元 13‧‧‧Information Supply Control Unit
421‧‧‧通道 421‧‧‧ channel
2‧‧‧通路服務端 2‧‧‧Channel server
421’‧‧‧通道 421’‧‧‧ channel
2’‧‧‧通路服務端 2’‧‧‧Path Service
Claims (4)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW105123367A TWI596559B (en) | 2016-07-25 | 2016-07-25 | Host device for a bank transaction system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW105123367A TWI596559B (en) | 2016-07-25 | 2016-07-25 | Host device for a bank transaction system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| TWI596559B true TWI596559B (en) | 2017-08-21 |
| TW201804407A TW201804407A (en) | 2018-02-01 |
Family
ID=60189404
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW105123367A TWI596559B (en) | 2016-07-25 | 2016-07-25 | Host device for a bank transaction system |
Country Status (1)
| Country | Link |
|---|---|
| TW (1) | TWI596559B (en) |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TW200622767A (en) * | 2004-12-30 | 2006-07-01 | Systex Corp | System and method for enhancing security of log-in account number |
| TW200627223A (en) * | 2005-01-28 | 2006-08-01 | Financial Information Service Co Ltd | Cross-banking financial business network structure and liquidating method |
| TW200929039A (en) * | 2007-12-31 | 2009-07-01 | Financial Information Service Co Ltd | Small amount expense payment method using SmartPay |
| TW201106283A (en) * | 2009-08-13 | 2011-02-16 | Univesal Exchange Inc | Network collection device and collection method for the network collection device |
| TW201303761A (en) * | 2011-06-24 | 2013-01-16 | Planet Payment Solutions Ltd | Distributed transaction processing system and methods |
-
2016
- 2016-07-25 TW TW105123367A patent/TWI596559B/en active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TW200622767A (en) * | 2004-12-30 | 2006-07-01 | Systex Corp | System and method for enhancing security of log-in account number |
| TW200627223A (en) * | 2005-01-28 | 2006-08-01 | Financial Information Service Co Ltd | Cross-banking financial business network structure and liquidating method |
| TW200929039A (en) * | 2007-12-31 | 2009-07-01 | Financial Information Service Co Ltd | Small amount expense payment method using SmartPay |
| TW201106283A (en) * | 2009-08-13 | 2011-02-16 | Univesal Exchange Inc | Network collection device and collection method for the network collection device |
| TW201303761A (en) * | 2011-06-24 | 2013-01-16 | Planet Payment Solutions Ltd | Distributed transaction processing system and methods |
Also Published As
| Publication number | Publication date |
|---|---|
| TW201804407A (en) | 2018-02-01 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20180349913A1 (en) | Systems and methods for authorizing a transaction with an unexpected cryptogram | |
| US20140310183A1 (en) | Embedded acceptance system | |
| US20170046696A1 (en) | Automated account provisioning | |
| WO1997049053A9 (en) | A system, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture | |
| WO1997049053A2 (en) | A system, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture | |
| WO1997049072A9 (en) | A system, method and article of manufacture for processing a plurality of transactions from a single initiation point on a multichannel, extensible, flexible architecture | |
| WO1997049070A2 (en) | System and method for transmitting messages | |
| CA2287960A1 (en) | Internet payment and loading system using smart card | |
| WO1997049070A9 (en) | System and method for transmitting messages | |
| WO1997049054A2 (en) | A system, method and article of manufacture for initiation of software distribution from a point of certificate creation utilizing an extensible, flexible architecture | |
| WO1998013797A2 (en) | A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture | |
| CN101697220A (en) | Systems and methods for secure pin-based transactions | |
| WO1997049050A9 (en) | A system, method and article of manufacture for managing transactions in a high availability system | |
| WO1997049050A2 (en) | A system, method and article of manufacture for managing transactions in a high availability system | |
| US20140172596A1 (en) | Assembly and Method of Handling Transactions | |
| US20080249950A1 (en) | Method and apparatus for conducting transactions generated at point-of-sale locations | |
| US20240028532A1 (en) | Chip card socket communication | |
| WO1997049055A1 (en) | A system, method and article of manufacture for a virtual point of sale processing utilizing a multichannel, extensible, flexible architecture | |
| TWI596559B (en) | Host device for a bank transaction system | |
| WO1997049055A9 (en) | A system, method and article of manufacture for a virtual point of sale processing utilizing a multichannel, extensible, flexible architecture | |
| JP7215695B2 (en) | Deposit/withdrawal service system and method using financial automation equipment, and computer program therefor | |
| WO2014048319A1 (en) | Security information exchange system, apparatus, and method | |
| US12020228B2 (en) | Apparatus and method for payment processing | |
| WO1997049052A2 (en) | A system, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture | |
| EP0919048B1 (en) | A system, method and article of manufacture for multiple-entry point virtual point of sale architecture |