银行综合业务前置系统XY-GAPS的设计与实现
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摘要
银行综合业务前置系统(GAPS)介于外围各业务子系统与银行业务核心系统之间,是银行各种交易渠道的汇总与整合。它通过集中实现不同业务子系统间的协议转换、报文转换、交易路由、安全管理等功能,取代当前银行种类繁多的前置系统,以达到整合银行IT投资的软硬件资源,简化应用开发与维护目的。GAPS的部署与建设有助于商业银行摆脱因近年来业务快速发展,统一规划不足而导致的系统架构混乱、网络结构复杂、运行效率低下、维护成本上升的困境;是银行在基本完成数据大集中任务后的一项重要基础工作。
XY-GAPS是一个立足于某银行现实,在保持技术延续性与投资保护、降低切换风险的前提下,从布署银行卡跨行交易系统入手,通过分步实施,逐步取代该行现有各类前置系统的GAPS实现。
论文从商业银行的应用现状和需求出发,以层次观点分析了XY-GAPS的体系结构,确定它的子系统组成及基本功能。以XY-GAPS后台应用服务核心的设计与实现为重点,集中深入地讨论了系统实现中的若干关键问题及其解决方案,主要包括:确定XY-GAPS的系统结构;采用基于消息队列组的信息交互模型,解决了XY-GAPS内部高效、异步通讯问题,同时使系统具备了开放与松耦合的特征,易于增加新的应用;合理的处理流程分解使得业务可以流水线的方式处理,并以UNIX多进程池的方式实现系统的并发服务模型,有效地保证XY-GAPS对于大规模交易的支持;引入一种简易自适应机制,使得XY-GAPS可以基于简单的忙闲实时判定动态调整相关进程组的规模,实现任务调节,满足系统的可伸缩性要求;通过综合运用UNIX IPC机制实现系统进程的管理与控制,提高系统的安全性,实现7~*24的服务要求;以TCP/IP协议和socket套接字编程技术来屏蔽复杂的网络通信,实现通信子系统的多接入请求;实现了以存储转发方式为基础的自动冲正机制来保证多方系统中交易数据的一致性;分析并实现了内外部的数据转换与内部交易码匹配算法,并以可视化方式实现系统参数配置与管理。最后,基于商业银行的应用特点,提出并实现了系统各个层次所采用的一系列安全策略。
银行卡跨行交易系统做为首个在XY-GAPS上布署的应用获得了良好的效果,提高了系统成功率,大大地提升了该行系统在当地银联的评价。XY-GAPS系统的设计与实现,是对商业银行GAPS建设的有益尝试和探索,对类似系统的开发具有重要的参考意义。
General Application Preposed System, which is a mediator system between the peripheral system and the backbone system of banking transaction, is an integrated and uniform interface to all kinds of exchanging channels in banks. By realizing protocol translation, message translation, transaction route, security management and so on, it can take the place of current massive front-banking systems to combine the software and hardware resources in banking IT investment and simplify the development and maintenance of application. The building of GAPS, which is one of the most important tasks of bank after the data concentration has been basically achieved, can help to avoid the disordered system framework, the complicated network structure, the operating inefficiency and the rising of maintenance cost.
XY-GAPS is an instance of GAPS, which is based on a real bank status. It will gradually replace most kinds of current prepositive systems via step-by-step implementation by deploying inter-bank card transaction system first, which is based on the premise of keeping the progress of the technology and the protection of investment and lower the switching risk.
Based on the application situations and demands for the commercial bank, the paper analyzes the architecture of GAPS by using the level perspective, and determines its subsystem and functions. It focuses on the design and application of background application service core of XY-GAPS and deeply researches some key issues about the system realization, mainly including: Determining the architecture of XY-GAPS, Using the message exchanging model based on the message queue to solve the problems of efficient asynchronous communication inside XY-GAPS and at the same time enable the system to be open and loose coupling and easy to add new application. Rational processing disassembly, which can pipeline the transaction and implement concurrent serving model using UNIX multi-process pools to support large scale transaction in XP-GAPS efficiently. Simple self-adaptive mechanism, which can regulate task and enable XY-GAPS to automatically adjust the scale of relative process group according to a simple real-time busy-idle judgment. By making use of UNIX IPC system comprehensively, the management and the control of the system process can be done in order to boosting the system security and to meet the demand of the 7*24 service. Others aspects of the implementation techniques are also discussed, which include communication sub-system using TCP/IP protocol and socket programming technology to shield complicated network communication, flushing mechanism based on store-and-forward mode to ensure the consistency of transaction data in multi-system, analysis and implementation of data conversion between internal and external transaction, algorithm of internal transaction code matching and visualization system parameters and configuration management. Finally, a series of security mechanisms at all levels based on commercial bank application characteristics are discussed.
The application of first XY-GAPS in the inter-bank card transaction system shows effective. It improves the system success rate and greatly promotes the estimation of the bank in the local CUP. The design and implementatin of XY-GAPS system is a beneficial attempt and exploration and is of a significant reference for the development of other similar systems.
XY-GAPS是一个立足于某银行现实,在保持技术延续性与投资保护、降低切换风险的前提下,从布署银行卡跨行交易系统入手,通过分步实施,逐步取代该行现有各类前置系统的GAPS实现。
论文从商业银行的应用现状和需求出发,以层次观点分析了XY-GAPS的体系结构,确定它的子系统组成及基本功能。以XY-GAPS后台应用服务核心的设计与实现为重点,集中深入地讨论了系统实现中的若干关键问题及其解决方案,主要包括:确定XY-GAPS的系统结构;采用基于消息队列组的信息交互模型,解决了XY-GAPS内部高效、异步通讯问题,同时使系统具备了开放与松耦合的特征,易于增加新的应用;合理的处理流程分解使得业务可以流水线的方式处理,并以UNIX多进程池的方式实现系统的并发服务模型,有效地保证XY-GAPS对于大规模交易的支持;引入一种简易自适应机制,使得XY-GAPS可以基于简单的忙闲实时判定动态调整相关进程组的规模,实现任务调节,满足系统的可伸缩性要求;通过综合运用UNIX IPC机制实现系统进程的管理与控制,提高系统的安全性,实现7~*24的服务要求;以TCP/IP协议和socket套接字编程技术来屏蔽复杂的网络通信,实现通信子系统的多接入请求;实现了以存储转发方式为基础的自动冲正机制来保证多方系统中交易数据的一致性;分析并实现了内外部的数据转换与内部交易码匹配算法,并以可视化方式实现系统参数配置与管理。最后,基于商业银行的应用特点,提出并实现了系统各个层次所采用的一系列安全策略。
银行卡跨行交易系统做为首个在XY-GAPS上布署的应用获得了良好的效果,提高了系统成功率,大大地提升了该行系统在当地银联的评价。XY-GAPS系统的设计与实现,是对商业银行GAPS建设的有益尝试和探索,对类似系统的开发具有重要的参考意义。
General Application Preposed System, which is a mediator system between the peripheral system and the backbone system of banking transaction, is an integrated and uniform interface to all kinds of exchanging channels in banks. By realizing protocol translation, message translation, transaction route, security management and so on, it can take the place of current massive front-banking systems to combine the software and hardware resources in banking IT investment and simplify the development and maintenance of application. The building of GAPS, which is one of the most important tasks of bank after the data concentration has been basically achieved, can help to avoid the disordered system framework, the complicated network structure, the operating inefficiency and the rising of maintenance cost.
XY-GAPS is an instance of GAPS, which is based on a real bank status. It will gradually replace most kinds of current prepositive systems via step-by-step implementation by deploying inter-bank card transaction system first, which is based on the premise of keeping the progress of the technology and the protection of investment and lower the switching risk.
Based on the application situations and demands for the commercial bank, the paper analyzes the architecture of GAPS by using the level perspective, and determines its subsystem and functions. It focuses on the design and application of background application service core of XY-GAPS and deeply researches some key issues about the system realization, mainly including: Determining the architecture of XY-GAPS, Using the message exchanging model based on the message queue to solve the problems of efficient asynchronous communication inside XY-GAPS and at the same time enable the system to be open and loose coupling and easy to add new application. Rational processing disassembly, which can pipeline the transaction and implement concurrent serving model using UNIX multi-process pools to support large scale transaction in XP-GAPS efficiently. Simple self-adaptive mechanism, which can regulate task and enable XY-GAPS to automatically adjust the scale of relative process group according to a simple real-time busy-idle judgment. By making use of UNIX IPC system comprehensively, the management and the control of the system process can be done in order to boosting the system security and to meet the demand of the 7*24 service. Others aspects of the implementation techniques are also discussed, which include communication sub-system using TCP/IP protocol and socket programming technology to shield complicated network communication, flushing mechanism based on store-and-forward mode to ensure the consistency of transaction data in multi-system, analysis and implementation of data conversion between internal and external transaction, algorithm of internal transaction code matching and visualization system parameters and configuration management. Finally, a series of security mechanisms at all levels based on commercial bank application characteristics are discussed.
The application of first XY-GAPS in the inter-bank card transaction system shows effective. It improves the system success rate and greatly promotes the estimation of the bank in the local CUP. The design and implementatin of XY-GAPS system is a beneficial attempt and exploration and is of a significant reference for the development of other similar systems.
引文
[1]金燕,银行特色业务平台设计初探,金融电子化,2007(2)
[2]陈湘,银行代理支付业务:多方共赢的成功实践,中国金融电脑,2006(12)
[3]李晓勤,多进程在银行联机事务批量处理中的应用,中国金融电脑,2006(12)
[4]中国人民银行统计数据,http://www.pbc.gov.cn/tongjishuju
[5]李久志,商业银行中间业务平台的设计,中国金融电脑,2001(10)
[6]阳青松,银行大前置系统技术架构探讨,华南金融电脑,2006(11)
[7]X/Open Guide,Distributed Transaction Processing:Referencd Model Version2(ISBN 1-85912-019-9) November 1993
[8]GB/T 15150-94产生报文的银行卡交换报文规范-金融交易内容(ISO8583-1987),全国金融标准化技术委员会,1994
[9]ISO 8583 Financial transaction card originated messages -Interchange message specifications,First edition 2003
[10]The Open Group,The Single UNIX Specification,Version3.Berkshire,UK.2004
[11]IBM,IBM TXSeries,IBM 2001
[12]Mary Shaw,David Garlan,Software architecture,Published by Prentice Hall,Inc.,1996
[13]W.Richard Stevens Stephen A.Rago,Advanced Programming in the UNIX Environment[M].(Second Edition),2005
[14]H.M.Deitel,P.J.Deitel,C How To Program,Second Edtion,Published by Prentice Hall Inc.2000
[15]O' Ryan,Carlos Roberto.Empirical Evaluation of Design Patterns for Publisher-subscriber Distributed Systems,UNIVERSITY OF CALIFORNIA,IRVIE,2002
[16]RedBooks,C And C++ Application Development on AIX,IBM Press,2000
[17]Informix Software Inc,Developing Applieations Using INFORMIX-ESQL/C.OI-94
[18]Michael Treaster,Nadir Kiyanclar,Gregory A.Koenig,William Yurcik.A Distributed Economics-based Infrastructure for Utility Computing,2004
[19](美)Sedgewick.R,算法:C语言实现-基础知识、数据结构、排序及搜索(英文版.第三版),机械工业出版社,2006
[20]Maurice J.Bach,UNIX操作系统设计,陈葆珏等译,2000
[21]潘爱民著,COM原理与应用,清华大学出版社,200l
[22]卢开澄编著,计算机密码学,清华大学出版社,1998
[23]林新观,UNIX系统程序员进阶,1996
[24]蔡开裕,范金鹏,计算机网络,机械工业出版社,2001
[25]SJL金融数据密机使用手册,成都卫士通信息产业股份有限公司
[26]硬件加密机技术开发手册,成都卫士通信息产业股份有限公司
[27]俞旭明,王保东,毛诗华编,Visual Basic 6.0中文版网络开发技术,人民邮电出版社,1999
[28]胡荣根编著,Visual Basic 6.0中文版数据库和Internet编程,清华大学出版社,1999
[29]JR/T 0012-2004金融业星型网间互联技术规范,全国金融标准化技术委员会,2004
[30]JR/T 0013-2004金融业星型网间互联安全规范,全国金融标准化技术委员会,2004
[31]Q/CUP 006-2005银行卡联网联合技术规范V2.0,中国银联,2005
[32]周国祥,大规模银行卡前置系统及其数据安全性的研究与实现,同济大学硕士论文,2006
[33]王静,银行人前置系统的研究与开发,中南大学硕士论文,2003
[34]任建萍,银行卡信息交换入网系统设计,广东工业大学硕士论文,2005
[35]Vesna Hassler著钟鸣等译,电子商务安全基础,人民邮电出版社,200l
[36]孙玉方等译,XENIX开发系统C语言参考手册与库指南,科学出版社,1995
[37]方娟,ESQL/C编程指南,科学出版社,1999
[38]王尽颜等,INFORMIX-SQL关系数据库管理系统技术备查,学苑出版社,1993
[39]曹耀辉,SQL Server存储过程在系统开发中的应用,计算机应用,2005.6
[40]郭云怡,张永林.管理信息系统的数据完整性约束及其实现方法.计算机应用研究,2001.5
[41]陈宏刚等,软件开发的科学与艺术,电子工业出版社,2002
[42]刘凯等,银行支付系统接口的分析与设计,四川大学学报(工程科学版),2001.33
[43]陈霖,UNIX内部进程协作机制应用研究,电脑知识与技术,2007(6)
[44]孔鹏,基于UNIX IPC进程通信的外币信用卡POD收单系统的实现和研究贵州大学硕士论文,2006
[45]顾洁,胡乃静,董建寅,银行计算机系统,清华大学出版社,2006
[46]吴洪涛,商业银行信用卡业务,北京:中国金融出版社,2003
[47]严蔚敏,吴伟民,数据结构,清华大学出版社,1998
[48](美)维斯著,冯舜玺译,数据结构与算法分析,机械工业出版社,2004
[49]康诺利(Connolly,T.M.),何玉洁译,数据库设计教程(第二版),机械工业出版社,2005
[50]冯建华,周立柱,数据库系统设计与原理,清华大学出版社,2004
[51]廖听,余波,基于共享内存的IPC同步算法研究,北京邮电大学电信工程学院,2007
[52](美)W.Richard Stevens著,杨继张译,UNIX网络编程第2卷:进程间通信(第二版),清华大学出版社,2000
[2]陈湘,银行代理支付业务:多方共赢的成功实践,中国金融电脑,2006(12)
[3]李晓勤,多进程在银行联机事务批量处理中的应用,中国金融电脑,2006(12)
[4]中国人民银行统计数据,http://www.pbc.gov.cn/tongjishuju
[5]李久志,商业银行中间业务平台的设计,中国金融电脑,2001(10)
[6]阳青松,银行大前置系统技术架构探讨,华南金融电脑,2006(11)
[7]X/Open Guide,Distributed Transaction Processing:Referencd Model Version2(ISBN 1-85912-019-9) November 1993
[8]GB/T 15150-94产生报文的银行卡交换报文规范-金融交易内容(ISO8583-1987),全国金融标准化技术委员会,1994
[9]ISO 8583 Financial transaction card originated messages -Interchange message specifications,First edition 2003
[10]The Open Group,The Single UNIX Specification,Version3.Berkshire,UK.2004
[11]IBM,IBM TXSeries,IBM 2001
[12]Mary Shaw,David Garlan,Software architecture,Published by Prentice Hall,Inc.,1996
[13]W.Richard Stevens Stephen A.Rago,Advanced Programming in the UNIX Environment[M].(Second Edition),2005
[14]H.M.Deitel,P.J.Deitel,C How To Program,Second Edtion,Published by Prentice Hall Inc.2000
[15]O' Ryan,Carlos Roberto.Empirical Evaluation of Design Patterns for Publisher-subscriber Distributed Systems,UNIVERSITY OF CALIFORNIA,IRVIE,2002
[16]RedBooks,C And C++ Application Development on AIX,IBM Press,2000
[17]Informix Software Inc,Developing Applieations Using INFORMIX-ESQL/C.OI-94
[18]Michael Treaster,Nadir Kiyanclar,Gregory A.Koenig,William Yurcik.A Distributed Economics-based Infrastructure for Utility Computing,2004
[19](美)Sedgewick.R,算法:C语言实现-基础知识、数据结构、排序及搜索(英文版.第三版),机械工业出版社,2006
[20]Maurice J.Bach,UNIX操作系统设计,陈葆珏等译,2000
[21]潘爱民著,COM原理与应用,清华大学出版社,200l
[22]卢开澄编著,计算机密码学,清华大学出版社,1998
[23]林新观,UNIX系统程序员进阶,1996
[24]蔡开裕,范金鹏,计算机网络,机械工业出版社,2001
[25]SJL金融数据密机使用手册,成都卫士通信息产业股份有限公司
[26]硬件加密机技术开发手册,成都卫士通信息产业股份有限公司
[27]俞旭明,王保东,毛诗华编,Visual Basic 6.0中文版网络开发技术,人民邮电出版社,1999
[28]胡荣根编著,Visual Basic 6.0中文版数据库和Internet编程,清华大学出版社,1999
[29]JR/T 0012-2004金融业星型网间互联技术规范,全国金融标准化技术委员会,2004
[30]JR/T 0013-2004金融业星型网间互联安全规范,全国金融标准化技术委员会,2004
[31]Q/CUP 006-2005银行卡联网联合技术规范V2.0,中国银联,2005
[32]周国祥,大规模银行卡前置系统及其数据安全性的研究与实现,同济大学硕士论文,2006
[33]王静,银行人前置系统的研究与开发,中南大学硕士论文,2003
[34]任建萍,银行卡信息交换入网系统设计,广东工业大学硕士论文,2005
[35]Vesna Hassler著钟鸣等译,电子商务安全基础,人民邮电出版社,200l
[36]孙玉方等译,XENIX开发系统C语言参考手册与库指南,科学出版社,1995
[37]方娟,ESQL/C编程指南,科学出版社,1999
[38]王尽颜等,INFORMIX-SQL关系数据库管理系统技术备查,学苑出版社,1993
[39]曹耀辉,SQL Server存储过程在系统开发中的应用,计算机应用,2005.6
[40]郭云怡,张永林.管理信息系统的数据完整性约束及其实现方法.计算机应用研究,2001.5
[41]陈宏刚等,软件开发的科学与艺术,电子工业出版社,2002
[42]刘凯等,银行支付系统接口的分析与设计,四川大学学报(工程科学版),2001.33
[43]陈霖,UNIX内部进程协作机制应用研究,电脑知识与技术,2007(6)
[44]孔鹏,基于UNIX IPC进程通信的外币信用卡POD收单系统的实现和研究贵州大学硕士论文,2006
[45]顾洁,胡乃静,董建寅,银行计算机系统,清华大学出版社,2006
[46]吴洪涛,商业银行信用卡业务,北京:中国金融出版社,2003
[47]严蔚敏,吴伟民,数据结构,清华大学出版社,1998
[48](美)维斯著,冯舜玺译,数据结构与算法分析,机械工业出版社,2004
[49]康诺利(Connolly,T.M.),何玉洁译,数据库设计教程(第二版),机械工业出版社,2005
[50]冯建华,周立柱,数据库系统设计与原理,清华大学出版社,2004
[51]廖听,余波,基于共享内存的IPC同步算法研究,北京邮电大学电信工程学院,2007
[52](美)W.Richard Stevens著,杨继张译,UNIX网络编程第2卷:进程间通信(第二版),清华大学出版社,2000