CN-121981730-A - Account interaction method and system across mechanisms

CN121981730ACN 121981730 ACN121981730 ACN 121981730ACN-121981730-A

Abstract

The application discloses a cross-mechanism account interaction method and system, the method comprises the steps of obtaining a service trigger request from a first mechanism system, generating a globally unique main body identifier based on the initial identity identifier, carrying out association mapping on the main body identifier and account information of a target object in a second mechanism system based on a preset account mapping model, obtaining account state information of the target object in the second mechanism system based on the service trigger request, generating a service processing instruction aiming at the target object according to the account state information and a service rule of the second mechanism system, and executing the service processing instruction to complete service processing between the first mechanism system and the second mechanism system. The application can realize the accurate association of the cross-system accounts and the dynamic matching of the settlement rules, and complete the efficient and accurate cooperative processing of the cross-mechanism business, thereby improving the cooperative capability among the cross-system accounts.

Inventors

WU YIZHOU
ZHENG GUANGMING
YU XIAOHUA

Assignees

浙江电子口岸有限公司

Dates

Publication Date: 20260505
Application Date: 20260407

Claims (10)

1. A method of account interaction across institutions, the method comprising: Acquiring a service triggering request from a first mechanism system, wherein the service triggering request at least carries an initial identity of a target object; Generating a globally unique main body identifier based on the initial identity identifier, constructing an account mapping model, and performing associated mapping on the main body identifier and account information of the target object in a second institution system by the account mapping module to obtain a mapping result; Acquiring account state information of the target object in the second mechanism system based on the mapping result; acquiring a business rule of the second mechanism system, retrieving the business rule corresponding to the business trigger request, and generating a business processing instruction aiming at the target object according to the account state information and the business rule; and executing the service processing instruction to complete service processing between the first mechanism system and the second mechanism system.
2. The account interaction method of claim 1, wherein generating a globally unique principal identification based on the initial identity comprises: acquiring an organization code of the first organization system and an area code of a service area to which the target object belongs; A hash algorithm is adopted to carry out combination calculation on the initial identity, the organization code and the area code, and a hash value is generated; and adding an identification type prefix and a check code on the basis of the hash value to generate the main body identification.
3. The account interaction method of claim 1, wherein obtaining account status information of the target object in the second institution system based on the mapping result comprises: and carrying out information synchronization by adopting a mode of combining active pushing and passive query: when the account state in the second mechanism system is monitored to be changed, acquiring change information actively pushed by the second mechanism system through a message queue, and updating the account mapping model; And when the business processing is carried out, a query request is initiated to the second mechanism system, and the account state information returned by the second mechanism system is received.
4. The account interaction method of claim 1, wherein the generating business processing instructions for the target object comprises: Parameterizing and configuring rule templates of the business rules, wherein the rule templates comprise basic rule templates, business rule templates and custom script rule templates; And matching the corresponding rule templates based on the account state information, injecting the account state information into the matched rule templates as parameters for real-time calculation, and generating a business processing instruction aiming at the target object.
5. The account interaction method of claim 4, wherein the generating business processing instructions for the target object further comprises: When the account state information is matched with a plurality of rule templates, the account state information is automatically selected or combined and executed according to a preset solution strategy, wherein the solution strategy comprises policy priority, user selection or proportion allocation.
6. The account interaction method of claim 1, wherein the executing the business processing instructions comprises: The business processing instruction comprises a fund clearing instruction, wherein the fund clearing instruction is used for indicating and calculating the fund flow direction and the amount between the first institution system and the second institution system and initiating an asynchronous fund transfer request to the second institution system; and the first institution system receives the fund transfer result returned by the second institution system, if all the fund transfer is successful, the fund clearing instruction is confirmed to be completed, and if any fund transfer failure exists, a retry mechanism or a reporting mechanism is triggered according to the failure reason.
7. The account interaction method of claim 6, wherein the executing the business processing instructions further comprises: The business processing instructions comprise transaction reconciliation instructions configured to obtain transaction flow data of the first institution system and the second institution system in the business processing; triple verification is carried out on the transaction flow data, wherein the triple verification comprises the steps of checking whether a transaction flow number is unique, checking whether transaction amounts are consistent and checking whether a transaction time stamp is reasonable; If the verification finds out an abnormal transaction, triggering an abnormal processing flow, wherein the abnormal processing flow comprises automatic leveling, generating a task to be handled or triggering early warning.
8. The account interaction method of claim 7, wherein in the triple verification, for the abnormal transaction, the abnormal transaction is classified into different grades according to an abnormal type and an amount, and the abnormal transaction association of different grades corresponds to different abnormal processing flows.
9. The account interaction method according to claim 1, wherein in the account interaction method, when transaction data stored in an institution system is required to be used, data calculation and verification are completed locally in the institution system through federal learning and/or homomorphic encryption technology, only a calculation result or a verification result is returned, and it is ensured that original transaction data is always stored in an original storage location.
10. A trans-institution account interaction system, wherein the account interaction system applies the account interaction method of any of claims 1 to 9.

Description

Account interaction method and system across mechanisms Technical Field The application relates to the field of finance, in particular to a cross-institution account interaction method and system. Background Along with the deep penetration of digital transformation in multiple fields of finance, industry and the like, the requirements of cross-mechanism collaborative services (such as joint billing settlement and cross-platform service docking) continuously rise, and the method becomes a core direction for optimizing industry service efficiency and improving user experience. However, in the current business fields of finance, industry and the like which need multi-mechanism cooperation, each mechanism usually has an independent and closed information management system, so that identity information of the same user in different mechanism systems can be split, account information under different systems cannot be synchronized in real time, different interfaces need to be called for multiple times when charging and settlement are carried out, so that the cooperation capability among cross-system accounts is insufficient, and further the settlement process is complicated and easy to make mistakes. Disclosure of Invention The application aims to solve the technical problem of providing a cross-mechanism account interaction method and system, so as to complete efficient and accurate collaborative processing of cross-mechanism business and improve collaborative capability among cross-system accounts. In order to solve the technical problems, the technical scheme of the invention is as follows: A method of account interaction across institutions, the method comprising: acquiring a service triggering request from a first institution system, wherein the service triggering request at least carries an initial identity of a target object; generating a globally unique main body identifier based on the initial identity identifier, constructing an account mapping model, and performing associated mapping on the main body identifier and account information of a target object in a second institution system by the account mapping module to obtain a mapping result; Acquiring account state information of a target object in the second mechanism system based on the mapping result; Acquiring a business rule of the second institution system, retrieving the business rule corresponding to the business trigger request, and generating a business processing instruction aiming at the target object according to the account state information and the business rule; And executing the service processing instruction to complete service processing between the first mechanism system and the second mechanism system. Further, generating a globally unique principal identification based on the initial identity identification includes: acquiring a mechanism code of a first mechanism system and an area code of a service area to which a target object belongs; Adopting a hash algorithm to perform combined calculation on the initial identity, the organization code and the area code to generate a hash value; and adding an identification type prefix and a check code on the basis of the hash value to generate a main body identification. Further, obtaining account status information of the target object in the second institution system based on the mapping result includes: and carrying out information synchronization by adopting a mode of combining active pushing and passive query: when the account state in the second mechanism system is monitored to be changed, acquiring change information actively pushed by the second mechanism system through a message queue, and updating an account mapping model; and when the business processing is carried out, a query request is initiated to the second mechanism system, and account state information returned by the second mechanism system is received. Further, generating a business processing instruction for the target object includes: parameterizing and configuring rule templates of the business rules, wherein the rule templates comprise basic rule templates, business rule templates and custom script rule templates; And matching the corresponding rule templates based on the account state information, and injecting the account state information into the matched rule templates as parameters for real-time calculation to generate a business processing instruction aiming at the target object. Further, generating a business processing instruction for the target object further includes: when the account status information is matched with a plurality of rule templates, the account status information is automatically selected or combined and executed according to a preset solution strategy, wherein the solution strategy comprises policy priority, user selection or proportion allocation. Further, executing the service processing instruction includes: The business processing instruction comprises a fund clearing instruction, wherei