CN104217362B - The method of score-clearing system and off-line transaction based on internet communication, online i.e. time-division account - Google Patents
The method of score-clearing system and off-line transaction based on internet communication, online i.e. time-division account Download PDFInfo
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Abstract
The present invention relates to the score-clearing system based on internet communication, structure includes the host computer system and sub-control computer subsystem connected by internet, also includes in the structure of the system：Management module：To going out, entering the sequential of host information stream, processing, editor, storage and passing down are managed；Sorting module：Formed according to settlement request and divide bill；Basic data library module：Storage and transaction event basis relevant information；Registering modules：Basic data library module is safeguarded；External connection communication module：Transaction terminal subsystem：Transaction request is sent, transaction request, receiving is uploaded and performs transaction results；Transaction event process recording module：It is stored in form archives with transaction data.And based on system above realize commodity off-line transaction, online i.e. time-division account method.
Description
Technical field
The invention belongs to be related to the disposal of computerized accounting technology of commercial transaction in financial field, be based particularly on internet,
The particularly terminal transaction lower occasion completed, and can ensure what the active factor for transferring the whole society was promoted economic development online
Speedy clearance method.
Technical background
As society enters Internet era flourishing at a high speed, global trade integration process is almost day crescent
It is different.With the arrival in big data epoch, digital communication technology has penetrated into each link in the field of circulation, causes social text
Bright progress, the abundant of trade content, the innovation of financial instruments and transaction allocation it is reasonable.But traditional trading rules and knot
Calculation mode, which is still changed, to be rested in outmoded management mode, can not adapt to big data the needs of the times.Particularly current trade shape
Off-line transaction has occupied an important position in dramatic change in formula, and the settlement management after the completion of final trade is faced with transaction
The diversification of numerous foundation factors such as voucher, financial institution, transaction agent, process of exchange third party, and propose it is simple, can
Lean on, accurately, it is fair, quickly require.Traditional settlement mode and sorting management method is caused can not to have adapted to the need in epoch
Ask, can not more adapt to the retail business in the extension of blast trend, the demand of the sale of express delivery networking.The management of outmoded sorting mechanism
Software can not also adapt to the multiple style of voucher of clearing and the change of clearing agent structure and business transaction the of complexity
The promptness requirement of three people particularly consumer resources holder and the producer of products transactions to mutual affection of merchandising.In fact, with
Can the problem of upper be to have influence on whole market economy overcome the persistent ailment of traditional trade, and diversification is adapted to modern management technology
The needs of settlement mode, and overcome big trade company to hold up payment for goods by new management means, the small difference quotient family source of goods is not smooth, producer week
Turn the problem of difficult, channel side puts into the disadvantage such as lack confidence, and this is exactly anxious to be resolved in current financial market.
The content of the invention
The mesh of the present invention is based on the internet digital communication high amount of traffic epoch and the system for settling account that designs, and is adapted to
Off-line transaction under various patterns, the method for being related to the online i.e. time-division account of primary association person interests in the field of circulation.This hair
System for settling account in bright is adapted to light, electricity, magnetic, figure, the various voucher patterns of bar code, realize a variety of occasions of off-line transaction,
Ensure process of exchange it is succinct, safe and accurate, quick under the premise of, with reference to trade mode data format setting realize it is fair
Transaction and promotion business prosperity.
The concrete technical scheme of the present invention includes the host computer system and sub-control computer connected by internet
Subsystem, and realize commodity off-line transaction, the method for online i.e. time-division account involved by the basis of the system.
1. the score-clearing system based on internet communication, structure include by internet connection host computer system and
Sub-control computer subsystem, key also include in the structure in the system：
1）Management module, to going out, entering the sequential of host information stream, processing, editor, storage and passing down are managed including
For requestor identity, transaction voucher classification, applicable trade mode and transaction in specific transaction terminal, each clearing proposed
Content is identified, veritified, and coordinates subsystems operation order, speed, and data message related in process of exchange is entered
Row checking, calculate, pass down, recording, transaction event code is automatically generated to each transaction request；
2）Sorting module, the transaction event code determined according to each settlement request extract the trading formula in billing agreements
Computing is carried out, the identification to transaction limit is completed and a point account detail data is packed into a point bill；
3）Basic data library module, it is main body, object, third-party identity information and code number that transaction event is related to
According to storehouse, including communications protocol and the agreement of sharing in the benefit of transaction event each side, financial institution code and specify that registered participation is cashed
Settle accounts account；
4）Registering modules, basic data library module is safeguarded, deleted or increased；
5）Communication module, according to the communications protocol pattern set, receive the digital information outside main frame, identifying information kind
Class, related information transcribed into related memory cell；
6）Authentication subsystem, receive main frame and send request, the right as principal to being related in transaction, the voucher true and false, cash gold
Melt mechanism authority and be related to voucher authenticity, security, legitimacy and be authenticated and verify；
7）Subsystem is cashed, receives to divide bill by the communication mode of encryption and agreement, after verifying and verifying, conversion
Descend into the financial institution that consumer submitted to cash instruction, by the registration financial institution according to cash instruction transfer in time,
Turn to convert and the short message of transaction completion is sent to main frame；
8）Transaction terminal subsystem：To main control computer send transaction request, upload on transaction agent, transaction object,
The information of transaction content, code, receive and perform transaction results；
9）Process recording module, each process of exchange average information in main frame is stored in main frame buffer, closing the transaction
Afterwards, the archives region being stored in titled with date and transaction code for index in this module.
2. based on above-mentioned score-clearing system realize commodity off-line transaction, online i.e. time-division account method.
Implement execution sequential and speed that above method is uniformly coordinated each step by management module in score-clearing system main frame, by
Transaction terminal subsystem is initiated transaction request, the sequential processes through each construction module of score-clearing system and subsystem, merchandised eventually
Terminal system identification terminates, and key is that overall process specifically includes following steps：
1) by transaction terminal subsystem editing transaction demand file, host computer system is uploaded to；
2) Transaction Information is passed through under host management module coordination, is completed to transaction event progress pattern-recognition, verification, to handing over
Easy credential authentication, processing editing, which are formed, divides bill；
3）Billing files will be divided to pass back to transaction terminal, through transaction agent sign a bill accreditation, upload main frame and be forwarded to and cash son
System；
4）Subsystem verification is cashed, assert to be converted into after information cashing instruction set in point bill and is sent to this transaction event and ties up
The system host of fixed finance payment mechanism simultaneously asks for the paid receipt of point account；
5）After cashing the verification of subsystem core, transfer and cash, paid receipt is passed into transaction terminal, prints transaction voucher.
Fairly obvious, the system includes main system, also with certification, cashes, transaction terminal three subsystems, per height
System is responsible for special function and in connection with professional servo control mechanism and receive being uniformly coordinated for the management module in main system
And commander.The perfect database sort module of supporting setting is set in main and sub system, including multiple kinds
Module, trade mode module, registration master, object, association financial institution and stranger to the deal module, thus can very accurately,
Quickly, the settlement of transactions request under safe completion multi-exchange form is audited and realized to greatest extent to transaction event
Check and approve and cash.It is related to subsystem that the rule of off-line transaction can be previously stored in main system by the form of registration
Module in, and the management regulation of main system is included simultaneously, so as to realize online sorting, pay down and and guide solution
Puzzlement that certainly manufacturer's product payment for goods is held up in circulation market for a long time, to overcome the bad habit of society, promote society's text
It is bright to provide effectively technological means.
Further illustrate the present invention is how to realize described good effect below in conjunction with accompanying drawing.
Brief description of the drawings
Fig. 1 is the structured flowchart of this system for settling account
Fig. 2 is the structured flowchart of authentication subsystem
Fig. 3 is the structured flowchart for cashing subsystem
Fig. 4 is the structured flowchart of transaction terminal subsystem
Fig. 5 be based on score-clearing system realize commodity off-line transaction, the online i.e. method of time-division account structure flow chart
Fig. 6 is to be related to slave pattern identification, verification in Fig. 5 method, form point bill to transaction voucher certification, processing editing
Stage employed in specific block diagram step by step
Fig. 7 is to be related to realizing from point bill to cashing command logic block diagram by means of cashing in subsystem in this method
Fig. 8 be related to be related in this method certification, re-authentication and on-line authentication process step figure.
Embodiment
In order to ensure this score-clearing system it is accurate, clearly and quickly handle massive dataflow and each transaction event carried
The settlement request gone out is cashed in time, possesses mass storage unit, fine database point in the foundation structure of the system
Class and flexible, succinct data string structure.So as to effectively ensure to merchandise from transaction event from request clearing goods arrival payment two feelings
Step can online under fast and accurately complete.Perfect database structure and abundant, sufficient database in the system structure
Data is provided and fast and accurately ensured for verification of the management module to each transaction event, checking, execution.Communication mode
It is abundant, flexible operation and extensive adaptability are provided with classification storage for data transmission, so as to which transaction terminal is straight
It is connected in overseas, it is only necessary to necessary commercial agreement is signed in advance, by the device type of transaction terminal according to transaction terminal subsystem
The structural requirement of system is extended transformation, registration, the rule of registration transaction and the cross-border billing agreements of relevant financial account.
Businessman holds up payment for goods, producer's false price difference, the persistent ailment of the bad habit formation field of circulation for these years, causes commercial
It is sincere lose, the chain debts on transaction chain the more are built the more high.The system import effectively operating after, can guide businessman,
Consumer represents and manufacturer, and by every transaction completed in merchant transaction terminal, general that can be immediately deserved is commercially
Profit, producer's payment for goods are cashed immediately；Businessman takes out appropriate portion from specified profit and visited to return consumers or tissue
The intermediary of trade company, factory will separate voiding price markup part into the payment for goods of account or hold up loss part feedback immediately
Consumer.Trade agreement of sharing in the benefit is formed to boost consumption significantly as the foundation of speedy clearance.Using this score-clearing system
Result be it is all participate in transaction obtain extra returns, have and promote commercial sincerity and promote business boom.
In order to strengthen the above beneficial to the effect of the system be also made that following further planning:
Also include encryption communication module in the structure of score-clearing system, the module returns a point bill derived from sorting module arithmetic
The accreditation of requesting party's stamped signature is returned, then is encrypted, is sent to and cashes subsystem.
Point bill is depending on trade agreement book, and consumer's outlet, businessman are made concessions to merchandise after both sides further examine and closed
Method, cash foundation and legalize.
The basic database modular structure further refined includes fraction below according to storehouse：
1）Transaction code divided data storehouse, memory storage includes the transaction code determined according to the criteria for classification of product, including hands over
Transaction object data including easy name of product, commerce features, transaction form
2）Communications protocol divided data storehouse, classification storage, which has, supports multiple communication modes and message encoding format converting data,
Much information coding and transmission are supported,
3）Billing agreements divided data storehouse, classification storage are set every to the interpretative version of a variety of settlement modes of total transaction amount
The code of kind scheme,
4）Financial institution code divided data storehouse is registered, storage participation is cashed and registered financial institution's title, including silver
Row, Alipay, Yuebao, electronic accounting name on account, code.
Above is it is related to the database for specific event of merchandising, with the use registering entities related to transaction, agreement, rule
Pattern, financial institution can be more and more.And the information content therefrom extracted specific to some transaction event code is limited.More than
The classification that disaggregated classification can have levels magnanimity information, coordinates vectorial table index, you can the quick extraction for realizing relevant information and
Compare be advantageous to Chui Li states into simplify and speed up progress.
Also include third party's divided data storehouse in basic database modular structure, it is involved in the database purchase process of exchange
Party intermediary or products transactions producer relevant information, including third party's identity code and its settle accounts financial institution code and knot
The number of doing accounts.Producer is not directly related in business transaction, so being also classified as third party.Because the final transaction of product is completed
Afterwards, the deserved turnover point account person of maximum amount is production unit.Actual conditions be production unit payment for goods by vacation with a variety of reasons
By holding up or partly holding up.Cause the empty lift commodity price of producer, chain debts are cumulative, form multiple economic bubble, are finally societies
Can be hidden crisis, aggrieved to consumer eventually.The application direction of the system, party intermediary and producer is encouraged actively to identify oneself with circulation ring
Section, and encourage the foam in producer extrusion price and feed back to society, to excite the enthusiasm of party intermediary and terminal to disappear
The consumption enthusiasm of the person of expense.Trading rules formed above and rule of sharing in the benefit, can charge to a point account in the form of the protocol code of point account
Management program.So as to form the principle distributed immediately.The protection of the input and consumers' rights and interests of social intermediary's strength and bring
The increase of consumption figure, directly stimulate the setting of commercial terminal and the expansion for base unit weight of merchandising.The empirical evidence of trial operation the system, business
Industry terminal also has great enthusiasm to take out the part of commercial profit to return to society to add, stimulate the more strong of transaction event
The development of health.This explanation, the foundation of the system will produce to social progress, economic development and the market boom, generation effectively
Booster action.
It will be clear that third party involved in the structure of the system in analysis more than, for thing of merchandising
Part is very important.Therefore third party's divided data library module is set up in the design of the system, and specific design generation therein
Code structure.
Code structure in third party's divided data library module is divided into three layers：Initial layer structure starts for S, and S represents transaction event
The party intermediary followed by numeral of association are connected to this transaction event code automatically generated after transaction request for main system；The second layer
Structure is Z beginnings, represent transaction event and there is party intermediary to participate in sharing in the benefit, Z it is first followed by numeral settles accounts gold as party intermediary as the code of code
Melt the settlement accounts code of mechanism；Third layer structure is that the manufacturer that C starts, this exchange hour has products transactions participates in, after
Numeral is the clearing account in the financial institution of this transaction event code and production manufacturer afterwards.
With reference to, it can be seen that in third party's divided data library module, the data stored are and transaction event to be in accompanying drawing 1
The information data for choosing trade mode and trade agreement with Registering modules.Associated unit is according to third-party
Management mode carries out sophisticated category, and all unit degrees for possessing customer resources of as shown by data can identify oneself with market in a variety of manners
Among economic transaction event, and play a positive role.Especially list in currently trade activity in fig. 1
Very active mechanism.They, which spend, can play huge impetus, it is critical that how we take technological means to protect
Demonstrate,prove the fairness of social paid labour remuneration.The present invention just gives a kind of fair allocat pattern, makes us by means of modern skill
Art means promote this fairness.
Set to add in host computer system and pay the close module of data, the module divides billing data by what sorting module generated
Encryption.Above technological means is in order to ensure the safety of relative clients account.
This score-clearing system, it is characterised in that transaction file index area is set in transaction event process recording module, index to
The information code structure of amount includes three sections：One section of lead segment formed for transaction code and trade date shuffling, second segment is product
The main code that code and customer identification's code shuffling form, the 3rd section is party intermediary code and to share in the benefit than data shuffling entity code.
In fact, above technological means by whole transaction events it is simple, clearly record main trade information.For with
After carry out statistics and market survey remain complete information material.For manufacturer, businessman, consumer economy research unit,
Save system, the basic data of standardization.Be easy to accordingly carry out sorting-out in statistics, to later product development, market orientation,
Law of economic development is found reliable data and supported.
Authentication subsystem structure includes：
1）Management module is audited, the examination ＆ verification item that main frame is submitted is classified, itemizes and checks, including transaction agent qualification
Whether legal, voucher of clearing's true and false and immediately whether effective status, cash financial institution and whether possess authority and cash mechanism and connect
Whether unit/terminal IP address is correctly examined, is assert, result is forwarded into host computer system storage, process, sequential to more than
It is managed；
2）Communication interface module：Using agreement communications protocol transmission and the exchange of information of main system, and it is responsible for uploading needs
Further verify your information；
3）Log-on data library module：The transaction agent identity code of module storage registration, registration finance cash terminating machine IP
Address code, the IP address code of trading terminal, the blacklist of financial institution's offer including the identification card number or enterprise generation for being related to people
Code.
Authentication subsystem is substantially with existing financial certification authority system, in the basis instrument of official website and carried out
The follow-up that substantial cooperation and system are set, and function adaptability transformation is carried out to the existing system management software and has formed son
System.It must be the request that can undertake the certification submitted at random.Main body, transaction money particularly to being related in transaction case
Lattice, the legitimacy of voucher, certification having time feature, it is necessary to examine online.Otherwise the legitimacy under massive dataflow can not be ensured
And security
Subsystem of cashing in this score-clearing system is crucial execution system, and involved structure includes：
1）Sub-argument module：Divide bill information to handle in input main frame, control and coordinate decryption, veritification, computing, editor
Into the flow and speed for cashing instruction set and assigning and cashing the finance that instruction binds to transaction and cashing main frame；
2）Processing is decrypted in deciphering module, the encryption point bill sent to main frame, will be transferred to pass after decryption information verification
Join memory module；
3）Modular converter is instructed, a point bill is converted into cashing instruction set and is sent to associated financial institution interface module hair
Deliver to associated financial institution and cash host IP address；
4）Financial institution's interface module, the IP address of system is cashed according to registration financial institution and communications protocol forms and connects finger
Order collection, instruction will be cashed it is separately sent to corresponding IP address, paid short message is returned into host communication mouth；
5）Registering transaction terminal database, the information and code of store transaction terminal, there is provided stochastic kernel examination card；
6）Trade mode and code module, store transaction pattern information and code, there is provided verification to instruction set, checking
Data are transferred；
7）Logging modle is cashed, will be inserted in point bill and cashed the time and be stored in relational storage.
8）Transaction association data module：Intermediate store, storage are asked with main frame, terminal subsystem, authentication subsystem contact
The record answered.
Transaction code corresponding to each transaction event is automatically formed in main system and examined again in subsystem is cashed
Veritifying is confirmed, the information of the transaction code therein automatically formed after main system checking and its correlation is descended into transaction and closed
Join in data module and keep in, be treated as cashing instruction through secondary verification post-processing after a point bill passes to.It is actually secondary
Verify.
Transaction terminal subsystem is the originating end merchandised every time, and the system architecture includes：
1）Program module, edlin and management, control and the letter for coordinating collection are entered to the settlement request information for inputting main frame
Breath is converted to digital code, relevant information is linked to the speed to form settlement request file and flow and uploads transaction request
Main frame；
2）Voucher acquisition module, management harvester enter drainage pattern, coordination buyer's payment voucher information and code
Acquisition order, send to terminating machine intermediate store；
3）Keyboard input module, the production of the code of selection transaction voucher and trade mode, object of merchandising is completed through the module
Product code and quantity；Relevant information collecting device is instructed to launch into typing state；Send transaction request；
4）The memory of log-on data module, the related log-on message of store transaction and code
5）Verify editor module, verify editor module, verify the relevance of transaction voucher, the information editing for extracting correlation into
Transaction request file；
6）Transaction display module, transaction flow monitoring, reception process, average information feedback, to the approval of reckoning stamped signature, simultaneously
It is directly fed back to cash subsystem；
7）Transaction document module, according to host process result, instruct printer output transaction document.
Each transaction terminal may take a kind of or even a variety of credential information drainage patterns, including magnetic strip voucher, sound
Card voucher, cursor voucher, Quick Response Code icon account, chip credit card.The equipment of collection information is also not quite similar.So for each
The management program module of the different terminals of kind voucher is also just otherwise varied.Log-on data module is mainly through registration in main system
The data assert after formality.
Data structure includes four sections in the log-on data module of transaction terminal subsystem, one section be this subsystem registration
Code, second segment be gather voucher recoil simulator code, the 3rd section be trade mode code, the 4th is clearing form generation
Code.
The voucher acquisition module structure of transaction terminal subsystem includes the management module of IC-card harvester, sound card audio
Management module, the management module of laser cursor harvester of information collecting device, the management mould of 2 D code information harvester
Block.The management module of magnet bar code harvester, with upper module, the selection to associated apparatus, typing information, analog to digital conversion are entered respectively
Row sequence management.
Authentication subsystem is the authentication unit based on Electronic Finance certificate system in the system, structure include transaction it is main,
Financial single-bit module is cashed in object authentication module, black list module, registering transaction terminal register module, registration.
Transaction is main, object authentication module includes direct comparing module：The module is tested according to the need submitted in request
Fixed information, from black list module, or registering transaction terminal register module, or registration cash financial single-bit module propose it is registered
The information of registration is checked, and " will be passed through " and the information back of "No" to host computer system.
It is fast that transaction is main, object authentication module includes upload verification mould：Assert that log-on message need to enter one in subsystem
Verification content uploading is arrived during step verification：Ministry of Public Security's identity card inquiry system or industrial and commercial registration information and code system or product
Quality and mark, the code management system of permission sale；The result is returned into host computer system.
Based on foregoing score-clearing system realize commodity off-line transaction, online i.e. time-division account method, there is implementation
Basis.This method is uniformly coordinated the execution sequential and speed of each step with score-clearing system host system management module, by transaction eventually
Terminal system initiates transaction request, the sequential processes through each construction module of score-clearing system and subsystem, in transaction terminal subsystem
System identification terminates, and specifically includes following steps：
1) by transaction terminal subsystem editing transaction demand file, host computer system is uploaded to；
2) Transaction Information is passed through under host management module coordination, is completed to transaction event progress pattern-recognition, verification, to handing over
Easy credential authentication, automatically generate transaction code and processing editing formation point bill；
3）Billing files will be divided to pass back to transaction terminal, through transaction agent sign a bill accreditation, upload main frame and be forwarded to and cash son
System；
4）Subsystem verification is cashed, assert to be converted into after information cashing instruction set in point bill and is sent to this transaction event and ties up
The system host of fixed finance payment mechanism simultaneously asks for the paid receipt of point account；
5）After cashing the verification of subsystem core, send and cash instruction, paid receipt is passed into transaction terminal, printing merchandise with
Card.
Reference picture 5 it will be clear that：Score-clearing system is initiated to ask by terminal subsystem, compiled to be processed into joggle
The petition, excited system host is delivered to, host computer system is handled by means of special module generates the code of this transaction and with this
For identity code generate ledger bill, pass back to terminal subsystem transaction party concerned sign a bill passback main frame, transfer cash subsystem
Send to cash and instruct and beam back paid information.
Based on system as described above, determine realize commodity off-line transaction, the method for online i.e. time-division account can implement,
And obtain good effect.
Wherein step 2）In be to transaction event carry out pattern-recognition, verification, to transaction voucher certification, the mistake of processing editing
Journey further refines statement, the processing method for the particular transactions event for comprising the following steps and being formed in main system：With reference to
Accompanying drawing 6 further illustrates
1. transaction request file is parsed, according to code reverse main body, object, third party, the financial machine of clearing in demand file
Structure, the relevant information of transaction event agreement, consumer in this settlement of transactions pattern and main body in requests transaction file is paid
Money voucher sends verification request to authentication subsystem；
2. verifying in request after being sent to authentication subsystem, verification is first carried out by the subsystem and is noted in the subsystem
Volume and interior information verification after by result pass back to host computer system, wherein not registered registration consumer's payment voucher generation
Code and prestige will start inspection request, to related official website, and the result after verification returns main frame and makes a copy for that to cash subsystem temporary
Deposit；
3. main frame is connected to after verification message according to point account pattern of billing agreements in this transaction event, text is asked into sorting
Part changes composition billing files；
4. will divide billing files by the encryption of encryption sending module, under reach and cash subsystem, and be transferred to process recording
Module stores.
The information registered in main system is stored in special information module respectively, can meet most of settlement requests
Verification requires.For producing what is queried after verification, it is necessary to examined online.Ensure it is really legal on the premise of could determine
Whether transaction can continue.
In the online i.e. method of time-division account key be by point bill it is legal, it is orderly, be converted into the step of instruction set, including：
1) cash the decrypted resume module formation data text of transaction point bill that subsystem receives and be transferred to buffer；
2）The data information for being related to settlement accounts to dividing in billing data file enters with cashing storage information in subsystem
Row compares one by one again, veritifies related data including the identification signed a bill of party of merchandising, with determine to divide account to instruct legitimacy,
Reasonability, accuracy, integrality；
3）Point account information for examining errorless is converged with being converted to and borrows, borrow director data string, composition director data collection, by sub-argument
Module coordination is separately sent to associated financial institution and handled.
Point bill is treated as to cash the step that instruction is most critical,
It is foregoing to realize commodity off-line transaction, the wherein method of online i.e. time-division account, step 4）In described borrow, borrow and refer to
Data string structure is made to include：Secret cipher key code, the side's of cashing account are cashed, cashes value data.
Three layers are comprised at least in the structure for cashing secret cipher key code above：Cash the agreement generation at center and command reception mechanism
Code, by the transaction event code of system host management module self-generating, what the both parties' stamped signature for dividing bill was approved returns for this
Hold code.
Claims (20)
1. the score-clearing system based on internet communication, structure includes the host computer system and sub-control by internet connection
Computer subsystem, it is characterised in that also include in the structure of the system：
1）Management module, to going out, entering the sequential of host information stream, processing, editor, storage and passing down are managed, including for
The specific identity of transaction terminal, each settlement request side's qualification proposed, transaction voucher classification, applicable trade mode and friendship
Easy content is identified, veritified, and coordinates subsystems operation order, speed, to data message related in process of exchange
Verified, calculated, passed down, being recorded, transaction event code is automatically generated to transaction request；
2）Sorting module, the trading formula that the transaction event code determined according to settlement request is extracted in billing agreements are transported
Calculate, complete the identification to transaction limit and a point account detail data is packed into a point bill；
3）Basic data library module, it is main body, object, third-party identity information and code data that transaction event is related to
Storehouse, including communications protocol and the agreement of sharing in the benefit of transaction event each side, the registered financial institution code for participating in cashing；
4）Registering modules, basic data library module is safeguarded, deleted or increased；
5）Communication module, according to the communications protocol pattern set, receive the digital information outside main frame, identifying information species will
Related information is transcribed into related memory cell；
6）Authentication subsystem, receive main frame and send request, to be related in transaction right as principal, the voucher true and false, cash financial machine
Structure authority and it is related to voucher authenticity, security, legitimacy and is authenticated and verifies；
7）Subsystem is cashed, receives to divide bill by the communication mode of encryption and agreement, after verifying and verifying, is converted to and converts
Pay instruction and descend into the financial institution that consumer is submitted, from the financial institution according to cash instruction transfer in time, turn convert and to
Main frame sends the short message that transaction is completed；
8）Transaction terminal subsystem：Transaction request is sent to main control computer, uploads transaction agent, transaction object, transaction content
Information, code, receive and perform transaction results；
9）Transaction event process recording module, each process of exchange average information in main frame is stored in main frame buffer, transaction
It is the archives region that the data indexed are stored in this module titled with date and transaction code after end.
2. in the score-clearing system according to described in claim 1, it is characterised in that it is logical also to include encryption in the structure of the score-clearing system
Module is interrogated, the module will divide bill to return to the accreditation of requesting party's stamped signature derived from sorting module arithmetic, then be encrypted, and be sent to
Cash subsystem.
3. the score-clearing system according to described in claim 1, it is characterised in that basic database modular structure includes fraction below
According to storehouse：
1）Transaction code divided data storehouse, memory storage include the transaction code determined according to the criteria for classification of product, including transaction production
The name of an article claims, the transaction object data including commerce features, transaction form,
2）Communications protocol divided data storehouse, classification storage, which has, supports multiple communication modes and message encoding format converting data, supports
Much information encodes and transmission,
3）Billing agreements divided data storehouse, classification storage are set every to the code of the interpretative version of a variety of settlement modes of turnover
The code of kind scheme,
4）Financial institution code divided data storehouse is registered, storage participation is cashed and registered financial institution's title, including bank, branch
Fu Bao, the electronic accounting name on account of Yuebao, code.
4. the score-clearing system according to described in claim 3, it is characterised in that also include third party in basic database modular structure
Divided data storehouse, the producer relevant information of party intermediary or products transactions in database purchase transaction, including third party's identity
Code and its clearing financial institution code and clearing account.
5. the score-clearing system according to described in claim 4, it is characterised in that the code structure point in third party's divided data library module
For three layers：Initial layer structure starts for S, and S represents the party intermediary of transaction event association, followed by numeral is connected to transaction request for main system
This transaction event code automatically generated afterwards；Second Rotating fields start for Z, and representing transaction event has party intermediary to participate in sharing in the benefit, Z
The settlement accounts code that code for code is first followed by numeral is party intermediary clearing financial institution；Third layer structure starts for C, this
The manufacturer that secondary exchange hour has products transactions participates in, after rear digital for this transaction event code and the financial machine of production manufacturer
Clearing account in structure.
6. the score-clearing system according to described in claim 1, it is characterised in that set in host computer system and cash the close mould of data
Block, the module divide billing data encryption by what sorting module generated.
7. the score-clearing system according to described in claim 1, it is characterised in that transaction shelves are set in transaction event process recording module
Case index area, the information code architecture of index vector include three sections：One section is that transaction code and trade date shuffling are formed
Index segment, second segment are the main code that forms of product code and customer identification's code shuffling, the 3rd section be party intermediary code and point
Profit is than data shuffling entity code.
8. the score-clearing system according to described in claim 1, it is characterised in that authentication subsystem structure includes：
1）Audit management module, to main frame submit examination ＆ verification item classification, subitem check, including transaction agent qualification whether
Legal, voucher of clearing's true and false and immediately whether effective status, cash whether financial institution possesses authority and to cash mechanism order whole
Whether end IP address is correctly examined, is assert, result is forwarded into host computer system storage, the process, sequential to more than are carried out
Management；
2）Communication interface module：Using agreement communications protocol transmission and the exchange of information of main system, and responsible upload is needed into one
Step is verified your information；
3）Log-on data library module：The transaction agent identity code of module storage registration, registration finance cash terminating machine IP address
Code, the IP address code of trading terminal, the blacklist of financial institution's offer including the identification card number or business code for being related to people.
9. the score-clearing system according to described in claim 1, it is characterised in that cashing the structure of subsystem includes：
1）Sub-argument module：Divide bill information to handle in input main frame, control and coordinate decryption, veritification, computing, compile and convert
Pay instruction set and assign the flow and speed for cashing instruction to the financial institution of transaction binding；
2）Processing is decrypted in deciphering module, the encryption point bill sent to main frame, is deposited association is transferred to after decryption information verification
Store up module；
3）Instruct modular converter, a point bill is converted into cash instruction set, and be sent to associated financial institution interface module send to
Associated financial institution host IP address；
4）Financial institution's interface module, the IP address of system is cashed according to registration financial institution and communications protocol forms and connects instruction
Collection, instruction will be cashed and be separately sent to corresponding IP address, paid short message is returned into host communication mouth；
5）Registering transaction terminal database, the information and code of store transaction terminal, there is provided verify checking；
6）Trade mode and code module, store transaction pattern information and code, there is provided verification, the data of checking to instruction set
Transfer；
7）Logging modle is cashed, is cashed being inserted in point bill the time, and be stored in relational storage；
8）Transaction association data module：Intermediate store, storage get in touch with question and answer with main frame, terminal subsystem, authentication subsystem
Record.
10. the score-clearing system according to described in claim 1, it is characterised in that the structure of transaction terminal subsystem includes：
1）Program module, edlin and management, control and the information turn for coordinating collection are entered to the settlement request information for inputting main frame
Digital code is changed to, relevant information is linked to the speed to form settlement request file and flow and transaction request is uploaded into main frame；
2）Voucher acquisition module, management harvester enter drainage pattern, coordinate the collection of buyer's payment voucher information and code
Sequentially, send to terminating machine intermediate store；
3）Keyboard input module, the product generation of the code of selection transaction voucher and trade mode, object of merchandising is completed through the module
Code and quantity；Relevant information collecting device is instructed to launch into typing state；Send transaction request；
4）The memory of log-on data module, the related log-on message of store transaction and code；
5）Editor module is verified, verifies the relevance of transaction voucher, extracts related information editing into transaction demand file；
6）Transaction display module, transaction flow monitoring, reception process, average information feedback, reckoning stamped signature is accepted, and directly
Feed back to and cash subsystem；
7）Transaction document module, according to host process result, instruct printer output transaction document.
11. the score-clearing system according to described in claim 10, it is characterised in that in the log-on data module of transaction terminal subsystem
Data structure includes four sections, one section be this subsystem registration code, second segment is the code for gathering voucher recoil simulator, the
Three sections be trade mode code, the 4th is clearing form code.
12. the score-clearing system according to described in claim 10, it is characterised in that the voucher acquisition module knot of transaction terminal subsystem
Structure includes the management module of IC-card harvester, the management module of sound card audio information acquisition device, laser cursor collection dress
Management module, the management module of 2 D code information harvester put；The management module of magnet bar code harvester, with upper module point
Other selection, typing information, analog to digital conversion to associated apparatus carries out sequence management.
13. the score-clearing system according to described in claim 1, it is characterised in that authentication subsystem is that Electronic Finance is based in the system
The authentication unit of certificate system, structure include transaction master, object authentication module, black list module, registering transaction terminal
Financial single-bit module is cashed in register module, registration.
14. the score-clearing system according to described in claim 13, it is characterised in that transaction is main, object authentication module is included directly
Connect comparing module：The information that the module is assaied according to the need submitted in request, from black list module or registering transaction terminal register
Module or registration cash financial single-bit module and propose that the information of registered registration is checked, and " will pass through " and the letter of "No"
Breath is back to host computer system.
15. the score-clearing system according to described in claim 14, it is characterised in that transaction is main, object authentication module includes
It is fast to pass verification mould：Verification content uploading is arrived when subsystem assert that log-on message need to be checked further：Ministry of Public Security's identity card is looked into
Inquiry system or industrial and commercial registration information and code system or product quality and mark, the code management system of permission sale；Will checking
As a result host computer system is returned.
16. based on the score-clearing system described in claim 1 realize commodity off-line transaction, online i.e. time-division account method, by sorting
System host system management module is uniformly coordinated the execution sequential and speed of each step, and initiating transaction by transaction terminal subsystem please
Ask, the sequential processes through each construction module of score-clearing system and subsystem, terminate in transaction terminal subsystem identification, its feature exists
In specifically including following steps：
1) by transaction terminal subsystem editing transaction demand file, host computer system is uploaded to；
2) Transaction Information pass through host management module coordination under, complete to transaction event carry out pattern-recognition, verification, to merchandise with
Identification card, processing editing, which are formed, divides bill；
3）Billing files will be divided to pass back to transaction terminal, be signed a bill accreditation through transaction agent, and uploaded main frame and be forwarded to and cashes subsystem；
4）It is converted into cashing the finance that instruction set is sent to the binding of this transaction event after information in subsystem verification, identification point bill
The system host for the mechanism that pays the bill, and ask for the paid receipt of point account；
5）After cashing the verification of subsystem core, transfer and cash, paid receipt is passed into transaction terminal, prints transaction voucher.
17. commodity off-line transaction, the method for online i.e. time-division account are realized according to described in claim 16, it is characterised in that step 2）
In pattern-recognition is carried out to transaction event, verification, the process to transaction voucher certification, processing editing comprise the following steps：
1) transaction request file is parsed, according to code reverse main body, object, third party, clearing financial institution, transaction thing in file
The relevant information of part agreement, to consumer's payment voucher in this settlement of transactions pattern and main body in requests transaction file to recognizing
Card subsystem sends verification request；
2) verify in request after being sent to authentication subsystem, be first carried out checking by the subsystem, and in the subsystem register and
And result is passed back into host computer system after interior information verification；The code of consumer's payment voucher of wherein not registered registration and
Prestige will start inspection request to related official website, the result return main frame after verification, and make a copy for and cash subsystem and keep in；
3) main frame is connected to after verification message according to point account pattern of billing agreements in this transaction event, and sorting demand file is turned
Change a point billing files into；
4) billing files will be divided by encryption sending module encryption, under reach and cash subsystem, and be transferred to process recording module
Storage.
18. commodity off-line transaction, the method for online i.e. time-division account are realized according to described in claim 16, it is characterised in that step 4）
In will include point bill the step of being converted into instruction set：
1) cash the decrypted resume module formation data text of transaction point bill that subsystem receives and be transferred to buffer；
2）It is related to the data information of settlement accounts to dividing in billing data file and cashes to store information progress in subsystem again
It is secondary to compare one by one, related data, including the identification signed a bill of transaction party are veritified, with the legitimacy, rationally for determining to divide account to instruct
Property, accuracy, integrality；
3）Point account information for examining errorless is converged with being converted to and borrows, borrow director data string, director data collection is formed, by sub-argument module
Coordination is separately sent to associated financial institution and handled.
19. commodity off-line transaction, the method for online i.e. time-division account are realized according to described in claim 18, it is characterised in that step 3）
In described borrow, borrow director data string structure and include：Cash secret cipher key code, the side's of cashing account, cash value data.
20. commodity off-line transaction, the method for online i.e. time-division account are realized according to described in claim 19, it is characterised in that wherein institute
Three layers are comprised at least in the structure for cashing secret cipher key code said：Cash the agreed code at center and command reception mechanism, this by
The transaction event code of system host management module generation, the receipt code approved to the both parties' stamped signature for dividing bill.
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| CN104700263B (en) * | 2015-02-12 | 2018-01-12 | 深圳市淘淘谷信息技术有限公司 | A kind of means of communication of the on-line selling speedy clearance based on assignment loading |
| CN106022750A (en) * | 2016-06-01 | 2016-10-12 | 深圳市淘淘谷信息技术有限公司 | Instant profit sharing method based on various payments |
| CN106327191B (en) * | 2016-08-09 | 2020-06-19 | 联动优势科技有限公司 | Method and device for recording transaction information |
| CN106447426A (en) * | 2016-09-08 | 2017-02-22 | 北京小度信息科技有限公司 | Method and apparatus for settling earning distribution |
| CN111371836B (en) * | 2016-09-20 | 2023-10-24 | 徐蔚 | Verification method and device for secure payment and mobile terminal |
| CN106651668A (en) * | 2016-09-26 | 2017-05-10 | 武汉金康高科技有限公司 | Catering bill automatic real-time profit-sharing payment method |
| CN108230145A (en) * | 2016-12-13 | 2018-06-29 | 上海海万信息科技股份有限公司 | Sales counter and online self-service fund sale and management system and method under a kind of compatible line |
| CN107194796A (en) * | 2017-04-13 | 2017-09-22 | 浙江维融电子科技股份有限公司 | A kind of site score-clearing system and site classifying method for paper currency sorting |
| US10740733B2 (en) * | 2017-05-25 | 2020-08-11 | Oracle International Corporaton | Sharded permissioned distributed ledgers |
| CN108230147B (en) * | 2017-12-06 | 2021-02-26 | 深圳国泰安教育技术有限公司 | Transaction clearing method, system and device for quantified investment strategy |
| CN108446972A (en) * | 2018-02-07 | 2018-08-24 | 深圳市雁联计算系统有限公司 | Bank's Supervision of credit method, apparatus and fund position manage system |
| CN109729066A (en) * | 2018-06-01 | 2019-05-07 | 平安普惠企业管理有限公司 | System authentication method, unit and computer readable storage medium |
| CN110728574A (en) * | 2018-07-16 | 2020-01-24 | 深圳市于易点科技有限公司 | Method and system for realizing account transaction by using two-dimensional code |
| CN109325761A (en) * | 2018-10-08 | 2019-02-12 | 杭州飞弛网络科技有限公司 | A kind of distribution method of payment and system for stranger's social activity |
| CN109829801B (en) * | 2018-12-28 | 2023-05-30 | 易票联支付有限公司 | Account separating method, system and storage medium |
| CN112215705B (en) * | 2020-12-03 | 2021-04-13 | 北京江融信科技有限公司 | International credit card clearing platform |
| CN114239081A (en) * | 2022-02-25 | 2022-03-25 | 华中科技大学同济医学院附属协和医院 | Business certificate processing method, system and electronic equipment |
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