The front machine is an intermediate device that realizes the general use of the bank's traditional business outwardly. It implements the main features include network communication, packet certification, transaction data format conversion, personal password PIN transformation, transaction stream record, transaction pretreatment, transaction monitoring and transaction data statistics. At present, there are ATMs, POS, IC cards, UnionPay gold cards, telephone banks, coupons, silver tapping, and payment, electronic exchange and city liquidation, etc. in the bank. These front machines have one to a variety of functions previously described.
Based on the trading type and the host system, a bank may use multiple front machines as an intermediate equipment that completed the transaction. As a result, there is a pair of the task vary in front of the system host. Such a system, the structure is more complicated, and the maintenance work is complicated, and the operational efficiency will also be reduced. System investment has also increased accordingly, the main source of these investments is a repetitive purchase of front machine, operating system, database, application software, communication device, and network equipment. In fact, this situation can be avoided to a certain extent, using a comprehensive front machine to operate relatively independent front machines. Use a comprehensive front machine to simplify system structure, save system investment, reduce system maintenance labor intensity, reduce multi-preserved machine consumption on system resources.
First, the function description of the comprehensive front machine
1. Comprehensive pre-machine is an intermediate trading device based on packet exchange
All transactions of integrated pre-machine processing are based on financial transaction messages. The use of packets can easily express the requirements of financial transactions. As long as the packet format is defined, the details of any financial transaction can be included in the message. The development of transaction packets can be referred to ISO 8583 international standards. The species of the transaction packets have two types of notification class and request / response class. If financial transactions involve system / network management, you can simply adopt notification class packets; if financial transactions involve account processing, request / response class messages can be used.
2. Comprehensive pre-machine to address cross-system communication issues
The integrated front machine is a cross-system financial transaction intermediate equipment. One of the purposes set up for the front machine is to solve communication problems between systems. Since the communication protocols between each host system are different, the network structure is complex, so the all-type host cannot be identified through the network. By integrated ahead as an intermediary, it is easy to connect the host systems to implement data exchange between cross-system hosts.
3. Integrated pre-machine implementation transaction data format
Each host system defines data transaction format within the system, which is often different between the system hosts. These different formats can be easily converted using a comprehensive pre-machine to meet the needs of financial transactions. In addition, since character coding between host systems is different, the integrated preamplifier can also achieve character encoding conversion between the host.
4. Comprehensive pre-machine implementation of preprocessing for financial transactions
The request of financial transactions After entering the comprehensive front machine, the comprehensive front machine can pre-deal with the legality, effectiveness, transaction scope of the transaction, eliminate illegal transactions, canceling the overtime trading, and refuses to exceed the scope of transactions. In this way, the load of the host can be reduced, and the overhead required for the host processing account can be reduced.
5. Integrated pre-machine implementation of certification of transaction packets and transformation of personal password PIN
Transaction packets are easily stolen, steal and imitation of third parties when transmitting. In order to avoid this, the comprehensive front machine needs to do certification processing on the transaction packet: verify all received packets, and certify all messages issued.
With this mechanism, the financial risks caused by counterfeit transaction packets can be effectively avoided. Similarly, since the transaction packets transmitted by the network can be steadped, the personal password PIN cannot exist in the network in a clear manner, and the integrated front machine should add / decrypt the personal password of the entry and exit host system, so that the trader Fund safety.
6. Comprehensive pre-machine implementation of transaction monitoring, stream recording and data statistics
Comprehensive pre-machine delivery is a cross-system financial transaction packet, which may be damaged and lacking in network transmission, and the comprehensive front machine can record transaction water and display transaction completion, these are helpful Analyze and solve the potential and problems between the system. In addition, the flow of water recording and data statistics in the integrated preamplifier can also provide a basis for review and capital liquidation between systems.
7. The integrated pre-machine does not have an account processing function. The comprehensive pre-machine is an intermediate trading device. In order to ensure the safety of transaction funds, transaction funds should not exist on the intermediate trading equipment. This not only guarantees fund safety, but also avoids financial risks that may occur in combination, and system design is also greatly simplified. It is more concise and reliable, and the system's maintenance work has also become easily and free.
Second, the composition of the comprehensive front machine and the processing
1. Hardware consisting of integrated front machine
The hardware of the integrated front machine includes a PC server, an Ethernet card, a multi-function card, a voice / data card, a host communication card, and a network connection device such as a network controller, a router.
2. Comprehensive advanced software composition
The integrated pre-machine software includes SCO UNIX operating systems, Informix databases, integrated pre-machine applications, and inter-system communication programs. Communication between UNIX processes is implemented by message queue.
3. Connection of a comprehensive front machine
Locally across system transactions, do not have to rent telecommunications lines, install the corresponding host communication cards and Ethernet cards on the integrated front machine, you can implement connections between local system hosts. For example, the connection between the AS / 400 integrated business system host and the financial IC card system host.
The connection of the system transaction is required to rent a telecommunication line. The selectable telecommunications line includes: DDN, X.25, Frame Relay, PSTN, etc. Installing a local host communication card on a comprehensive front machine to enable the local system host and the integrated pre-machine connection; install an Ethernet card on a comprehensive front machine, and the connection of the integrated preamp and off-site system host can be implemented through multi-protocol routers. Such as: the connection between the local credit card host and the UnionPay gold card system host.
4. Comprehensive packet processing
All financial transactions processed by the integrated front machine are based on transaction packets. The format of the packet should be referred to the ISO 8583 standard, including all information that may have various transactions.
(1) Format of transaction packets
The first part of the packet is the type of packet, 1 bytes long. The system transaction handles the main control process specifies the corresponding packet handler according to the type of message. The second part of the message is the content of the message, and the length is uncertain. It is the specific content of financial transactions, which produces the system host by sending a message.
(2) Notification class message
After receiving the notification class message, the message reception process is organized, and then send the message to the system main message queue. After receiving the message, the transaction processing master process receives the message, according to the type of packet, The corresponding notification message handler is processed, then forward the message to the message transmission process, and after the message is sent, the transaction ends.
(3) Request / response class message
After receiving the transaction request message 1, the message content is organized, and then send the message to the system main message queue. After receiving the request message, according to the type of message, Assigned to the corresponding request packet handler for processing, then forward the message to the message transmission process 2, after the message is sent, the transaction request processing ends. After receiving the transaction request, the system host is processed and issued a transaction response to the message receiving process 2. After the process is organized, the response message is sent to the system main message queue, and the transaction processing master process receives the response After the message, depending on the packet type, it is assigned to the corresponding response packet handler for processing, then forward the message to the packet transmission process 1. After the message is sent, the transaction processing ends.
(4) Transaction request directly refused
The integrated front machine can preprocessing the transaction request and rejecting the non-required transaction request. Thus, the transaction request is directly refused to respond to the transaction request during the front machine stage, and thus the system load is reduced to some extent. After receiving the transaction request message, the message reception process 1 is organized, and then send the message to the system main message queue. After the transaction processing master process receives the message, according to the type of packet, To the corresponding transaction request handler, the rejection response message is then forwarded to the packet transmission process 1. After the message is sent, the transaction ends. Third, using the system network structure after the comprehensive front machine
The integrated pre-machine can be used in cross-system financial transactions. After using a comprehensive front machine, the network of computer systems is logically stars. The integrated front machine is in a node location in the network, and other system hosts are in an endpoint position in the network, and all cross-system financial transactions are completed through the integrated preamp.
Fourth, the application of integrated pre-machine
Using a comprehensive front machine can replace multiple previously independent pre-used preamprs. At the same time, it is also very simple to expand new applications with comprehensive pre-machine, which is described below. Several typical applications in the comprehensive pre-machine.
1. Yinke
Boset Inscription is a trading network that realizes the funds of brokerage stocks and bank savings accounts. There are two financial transactions of vouchers: margin transfer and margin transfer. Transaction packets are request / response. The system host is a trading request and transaction response to two packet types for the bank. At the same time, two processing programs are compiled for transaction requests and transaction response packets, complete transaction monitoring, flow records, and packet forwarding functions, respectively. The message needs to be performed when transmitting in the network to ensure the security of packet transfer. The communication protocol between the integrated front machine and the two securities may be TCP / IP, and the communication protocol between the integrated front machine and the savings system host can be APPC.
2. UnionPay Gold Card Network
The UnionPay Gold Card Network is a trading network that realizes a bank card cross-bank transaction. The financial transactions of the UnionPay Gold Card Network are: the Bank's credit card and a payment card in the UnionPay POS online consumption, consumption revo disaster, pre-authorization, pre-authorization, balance query and payment in UnionPay ATM online withdrawal The balance query function; his bank card is in the Bank's ATM online withdrawal and its balance query. Transaction packets are request / response. The system host is a transaction request for the Bank's credit card and a payment card in UnionPay POS and ATM network. The type of transaction request and 4 trading response packets are developed, and the bank card is a transaction request on the Bank's ATM online. 1 transaction request and 1 type of trading response message. At the same time, seven processing programs were prepared for the above 7 transaction packets, completing transaction monitoring, water record, packet format conversion, and packet forwarding. The message needs to be performed when transmitting in the network to ensure the security of packet transfer. Personal Password PIN needs to be encrypted during network transmission. The communication protocol between the integrated front machine and the credit card system host and the UnionPay system host can be TCP / IP, and the communication protocol between the integrated front machine and the payment card system host can be the appc.
3. Bank POS network
The POS Net of this line is a financial network that realizes the Bank's bank card transaction. Financial transactions related to the POS network of this bank have credit cards, withdrawal cards, and IC card consumption (withdrawal), consumption cancellation (deposit), deposit, circle, pre-authorization, pre-authorization completion, balance inquiry, etc. . Transaction packets are request / response. The system host is a credit card, a payment card, and an IC card to develop a transaction request and three trading response packet types in the Bank POS. At the same time, four processing programs are prepared for the above four transaction packets, complete transaction monitoring, water recording, packet format conversion, and packet forwarding. The message needs to be performed when transmitting in the network to ensure the security of packet transfer. Personal Password PIN needs to be encrypted during network transmission. Communication protocol between the host and IC system host and IC system hosts can be TCP / IP, the communication protocol between the integrated pre-machine and the payment card system host can be Appc, comprehensive front machine and network control NAC ( Communication between POS machine access devices can be served in serial port.
4. Pay a fee
That is, the payment is a financial network that realizes real-time agent business transactions, that is, the fee charged is immediately entering the customer account, and the service provider provides the corresponding service to the pay provider. That is, the type of business payment is mainly set to pay fixed telephone bills, mobile communication, paging, air ticket, train tickets, and water and electricity. After receiving real-time payment information, the service provider will open a telephone and call service for the pay provider, issued a ticket, and open the service line. Transaction packets are notified and requested / responding. The system host develops one transaction request for each ie payment service and one type of transaction response message type. At the same time, one handler is prepared for each transaction message for the above transaction packets to complete the transaction monitoring, water record and packet forwarding function. The message needs to be performed when transmitting in the network to ensure the security of packet transfer. The communication protocol between the integrated front machine and other industrial system hosts can be TCP / IP, and the communication protocol between the integrated front machine and the bank console can be an Appc. Five, summary
Through the introduction of the integrated pre-machine, we already know that the use of a comprehensive front machine can easily connect various host systems to achieve cross-system financial transactions, while using integrated pre-machine saving system investment, simplifying The system structure reduces the strength of system maintenance. Thus, an intermediate equipment that uses a comprehensive front machine as a cross-system transaction is an ideal investment option.
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China Financial Computer
