银行交易如何在“幕后”运作? - 可能详细

发布于 2024-10-08 23:49:33 字数 222 浏览 3 评论 0原文

我想知道银行交易是如何进行的。很难找到一些至少可以接受的解释。我指的并不是针对不太严肃的企业的一些基本分布式事务算法。

那么银行必须采取什么样的措施来保持一致性,不丢失一分钱。

国际交易、银行之间的交易呢?

全世界的数据一致性 - 不要在纽约提取所有资金,然后在东京再次重复......

近代历史上有任何史诗般的失败记录吗?

我将非常感谢所有的答案。

I'm wondering how does the banking transactions work. It is very hard to find some at least acceptable explanation. I dont mean some basic distributed transaction algorithms for not that serious businesses.

So what kind of measures must bank take to keep consistency, to never loose not a single penny.

What about internacional transactions, transactions between banks.

Data consistency across the whole world - not to withdraw all the money in NY and then repeat in Tokio once again..

And any epic failures documented throughout recent history?

I will be very gratefull for all the answers.

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羁拥 2024-10-15 23:49:33

国际银行间交易通常使用 Swift 网络完成,该网络于 1977 年开始运营(成立于 1973 年) 。在此之前……是电传。

每天 1600 万条高安全性消息的快速流量峰值。

大多数 Swift 文档仅向合作伙伴和银行提供,但也许是维基百科页面,以及一些您可以从互联网上收集的其他信息可能会满足您的好奇心。

International inter-bank transactions are usually done using the Swift network, which started operations in 1977 (was founded in 1973). Before that ... it was Telex.

Swift traffic peaks of 16M high security messages per day.

Access to most Swift documentation is provided only to partners and banks, but perhaps the Wikipedia page, and some other info you can collect from the Internet may satisfy your curiosity.

一梦等七年七年为一梦 2024-10-15 23:49:33

银行间交易并不按照该词的技术含义进行分布。它们不需要跨国际分布式资源模拟单一状态。特别是不存在从一家银行到另一家银行的原子转移。相反,它们所做的是几个异步步骤,这些步骤可以重复,甚至在任何失败后都可以恢复。

例如,从订购方帐户借记资金仅与生成银行间消息(*)相结合,但不要求立即传送该消息。这笔钱会存入往来账户,消息传递系统仅保证消息被存储并在未来某个时间传递。

即使消息丢失(这不会发生),也可以恢复上述过程或者可以再次发送消息。

(*) 通常涉及一些中间步骤。

Interbank transactions are not distributed in the technical meaning of this word. They do not require simulation of single state across internationally distributed resources. In particular there is no atomic transfer from one bank to another. What they do instead is several asynchronous steps that can be repeated or even reverted after any failure.

For example debiting money from the ordering party account is only coupled with generating the interbank message(*), but does not require that the message is immediately delivered. The money is credited to a correspondent account and the messaging system only guarantees that the message is stored and will be delivered some time in the future.

Even if the message is lost (which does not happen), the above procedure can be reverted or the message can be sent again.

(*) Usually some intermediate steps are involved.

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