CN107203875B - Capital clearing method, device and server - Google Patents
Capital clearing method, device and server Download PDFInfo
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- CN107203875B CN107203875B CN201710214724.XA CN201710214724A CN107203875B CN 107203875 B CN107203875 B CN 107203875B CN 201710214724 A CN201710214724 A CN 201710214724A CN 107203875 B CN107203875 B CN 107203875B
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Abstract
The invention provides a fund clearing method, a fund clearing device and a server, wherein the fund clearing method is applied to a fund clearing platform, and the fund clearing platform is respectively connected with each payment platform and each bank system; a method of fund clearance, comprising: acquiring a clearing instruction; acquiring data to be cleared according to the clearing instruction; clearing the data to be cleared, and determining clearing data corresponding to each bank; and respectively sending the clearing data corresponding to each bank system. Through the fund clearing platform connected with each payment platform and the bank system, clearing processing is carried out according to the clearing instruction, so that the processing burden of the payment platform and the bank system is reduced, the fund clearing efficiency is improved, and the settlement turnover rate of the fund is improved.
Description
Technical Field
The invention relates to the technical field of fund clearing, in particular to a fund clearing method, a fund clearing device and a fund clearing server.
Background
The current fund clearing mode requires that each payment platform is connected with a plurality of banks, and the banks also need to be connected with each other. Therefore, the bank system can carry out summary clearing on the transaction data of the previous transaction day at the fixed day tangential point every day.
In the fund clearing mode, the connection mode between the payment platform and the bank system is not only complex, but also the processing burden of the payment platform and the bank system is large, and the fund clearing efficiency is low.
Disclosure of Invention
The present invention is directed to solving, at least to some extent, one of the technical problems in the related art.
Therefore, the first purpose of the invention is to provide a fund clearing method, which is used for solving the problems of large processing burden and low efficiency of a payment system and a bank system in the existing fund clearing mode.
A second object of the invention is to propose a money clearing device.
A third object of the present invention is to provide a server.
A fourth object of the invention is to propose a computer-readable storage medium.
In order to achieve the above object, an embodiment of a first aspect of the present invention provides a fund clearing method applied to a fund clearing platform, where the fund clearing platform is connected to each payment platform and each bank system respectively, and the fund clearing method includes: acquiring a clearing instruction; acquiring data to be cleared according to the clearing instruction; clearing the data to be cleared, and determining clearing data corresponding to each bank; and respectively sending the clearing data corresponding to each bank system.
The fund clearing method comprises the steps of obtaining data to be cleared according to clearing instructions on the basis that a fund clearing platform is connected with each payment platform and each bank system respectively, clearing the obtained data to be cleared to determine the clearing data corresponding to each bank, and sending the clearing data corresponding to each bank system. Therefore, through the fund clearing platform connected with each payment platform and the bank system, clearing processing is carried out according to the clearing instruction, processing burden of the payment platform and the bank system is reduced, fund clearing efficiency is improved, and fund settlement turnover rate is improved.
In order to achieve the above object, a second embodiment of the present invention provides a fund clearing apparatus applied to a fund clearing platform, wherein the fund clearing platform is respectively connected to each payment platform and each bank system, and the fund clearing apparatus includes: the first acquisition module is used for acquiring a clearing instruction; the second acquisition module is used for acquiring the data to be cleared according to the clearing instruction; the first determining module is used for performing clearing processing on data to be cleared and determining clearing data corresponding to each bank; and the sending module is used for sending the clearing data corresponding to each bank system respectively.
The capital clearing device of the embodiment of the invention acquires the data to be cleared according to the clearing instruction on the basis that the capital clearing platform is respectively connected with each payment platform and each bank system, performs clearing processing on the acquired data to be cleared so as to determine the clearing data corresponding to each bank, and sends the clearing data corresponding to each bank system. Therefore, through the fund clearing platform connected with each payment platform and the bank system, clearing processing is carried out according to the clearing instruction, processing burden of the payment platform and the bank system is reduced, fund clearing efficiency is improved, and fund settlement turnover rate is improved.
To achieve the above object, a third embodiment of the present invention provides a server, including: a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor, when executing the program, implements the method of funds clearing described above.
To achieve the above object, a fourth aspect of the present invention provides a computer-readable storage medium, on which a computer program is stored, which when executed by a processor, implements the fund clearing method as described above.
Additional aspects and advantages of the invention will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the invention.
Drawings
The foregoing and/or additional aspects and advantages of the present invention will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
FIG. 1 is a schematic flow chart of a method for clearing funds provided by an embodiment of the present invention;
FIG. 2 is a schematic flow chart of another method for clearing funds provided by an embodiment of the present invention;
FIG. 3 is a schematic view of a scenario of a fund clearing method according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a fund clearing device according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of another fund clearing device provided by the embodiment of the invention.
Detailed Description
Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are illustrative and intended to be illustrative of the invention and are not to be construed as limiting the invention.
The fund clearing method and apparatus according to the embodiment of the present invention will be described below with reference to the drawings.
The embodiment of the invention mainly aims at the problems that in the existing fund clearing mode, each payment platform needs to be connected with a plurality of banks in an access mode, the banks need to be connected with each other, and the transaction data of the previous transaction day is summarized and cleared at the tangential point of a fixed day every day, so that the connection mode is complex, the processing burden of a payment system and a bank system is large, and the fund clearing efficiency is low. The method is applied to the fund clearing platform which is respectively connected with each payment platform and each bank system, so that the transaction of each payment platform can be cleared, and the final clearing result is sent to the corresponding bank system, so that the connection relationship between the payment platform and each bank is simplified, the system maintenance and the fund clearing burden of the payment platform and the bank are simplified, and the fund clearing efficiency is improved.
Fig. 1 is a schematic flow chart of a fund clearing method according to an embodiment of the present invention.
The fund clearing method is applied to a fund clearing platform which is respectively connected with each payment platform, such as a Paibao platform, a WeChat payment platform and the like, and each bank system. Compared with the existing fund clearing mode, the method does not need direct connection between banks, and the payment platform only needs to be connected with the fund clearing platform, so that the connection complexity is reduced, and the system maintenance and fund clearing burden of the payment platform and a bank system are reduced.
In specific implementation, the fund clearing platform may include a corresponding relation table between the bank system and the payment platform. When a new payment platform is accessed, the corresponding relation between the bank system and the payment platform can be updated.
Specifically, when the payment platform accesses the fund clearing platform, an access request can be sent to the fund clearing platform, so that the fund clearing platform can receive the access request sent by the first payment platform. The access request comprises attribute information of the first payment platform and a first bank system corresponding to the first payment platform. The first bank system is a bank system with a reserve fund account opened on the first payment platform.
The fund clearing platform can judge whether the first payment platform meets the preset conditions for accessing the fund clearing platform, such as whether the payment license plate, the organization code certificate and the like are complete or not, according to the attribute information of the first payment platform, such as the payment license plate and the like. And if the access condition is met, updating the corresponding relation between the first bank system and the payment platform. For example, if a bank corresponding to a certain payment platform that has been accessed to a fund clearing platform is an industrial and commercial bank, and a bank corresponding to another newly accessed payment platform is also an industrial and commercial bank, the industrial and commercial banks correspond to the two payment platforms in the updated corresponding relationship between the bank system and the payment platform.
As shown in fig. 1, the fund clearing method includes the steps of:
s101, acquiring a clearing instruction.
In an embodiment of the present invention, a clearing instruction may be triggered to be generated at a preset clearing time, that is, at a preset clearing time, so as to perform clearing processing on data to be cleared according to the clearing instruction.
The preset clearing time point can be set according to the real-time transaction amount. For example, a plurality of clearing points may be set for a period of time when the transaction amount is large, and a clearing time may be set for a period of time when the transaction amount is relatively small, for example, 23 pm to 6 am. The clearing time point is flexibly set, the fund clearing efficiency can be improved, and the settlement turnover rate of the fund is improved.
Optionally, to enhance the personalized services of the funds clearing platform, the funds clearing platform may also receive clearing requests sent by the banking system. The generation of a clearing instruction may also be triggered when the funds clearing platform receives a clearing request sent by the banking system.
Optionally, in order to reduce the processing burden of the fund clearing platform, a first preset value of the data amount to be cleared may be preset, and when the data amount to be cleared in the current fund clearing platform is greater than the first preset value, the generation of the clearing instruction is triggered.
And S102, acquiring data to be cleared according to the clearing instruction.
And after the clearing instruction is acquired, acquiring the data to be cleared according to the clearing instruction. The data to be cleared includes the actions of debiting and crediting among the banks, and the corresponding amounts.
S103, clearing the data to be cleared, and determining clearing data corresponding to each bank.
And clearing the data to be cleared according to the acquired clearing data, and rolling and summarizing the debit amount, the credit amount and the like among the banks to determine the debit amount, the credit amount and the like corresponding to the banks.
And S104, respectively sending the clearing data corresponding to each bank system.
And respectively sending the clearing data corresponding to each bank after clearing treatment to each bank system so that each bank system completes payment or collection and the like according to the clearing data.
It should be noted that the fund clearing platform may be further connected to a large amount payment system of a chinese people bank, so that after the clearing data corresponding to each bank is determined, the clearing data corresponding to each bank is sent to the large amount payment system, and the large amount payment system controls each bank to complete payment or collection and other services according to the clearing data.
The fund clearing method provided by the embodiment of the invention has the advantages that the fund clearing platform is used for uniformly clearing the fund, the processing burden of each payment platform and each bank is reduced, and the fund clearing efficiency is improved.
The fund clearing method comprises the steps of obtaining data to be cleared according to clearing instructions on the basis that a fund clearing platform is connected with each payment platform and each bank system respectively, clearing the obtained data to be cleared to determine the clearing data corresponding to each bank, and sending the clearing data corresponding to each bank system. Therefore, through the fund clearing platform connected with each payment platform and the bank system, clearing processing is carried out according to the clearing instruction, processing burden of the payment platform and the bank system is reduced, fund clearing efficiency is improved, and fund settlement turnover rate is improved.
Through the analysis, the capital clearing platform can carry out clearing processing on the data to be cleared in real time according to the clearing instruction. Since the fund clearing platform needs to clear the transaction data of a plurality of payment platforms, in order to accelerate the clearing speed of the fund clearing platform, in the embodiment of the application, the transaction data can be intermittently cleared within the interval of two clearing operations of the fund clearing platform to obtain the clearing result, and then each clearing result can be directly cleared when clearing is performed, which is described in detail below with reference to fig. 2.
FIG. 2 sets forth another method of funds clearing for illustrating embodiments of the present invention.
As shown in fig. 2, the fund clearing method includes:
s201, receiving a batch switching instruction, wherein the batch switching instruction comprises a second batch number.
In an embodiment of the present invention, the generation of the batch switching instruction may be triggered at a preset time, such as a batch switching time.
It should be noted that the fund clearing platform may set a fixed batch switching time according to the real-time transaction amount. For example, when the transaction amount is large, the transaction data within one hour may be regarded as one batch. When the transaction amount is small, transactions within two hours can be treated as one batch. The fund clearing platform can reduce the processing burden of single clearing of the fund clearing platform by configuring the transaction batches arbitrarily.
Optionally, in order to enable the fund clearing platform to flexibly adjust the batch switching time according to the real-time transaction amount, for example, when the transaction data amount in the current fund clearing platform is greater than a second preset value, the generation of the batch switching instruction is triggered.
S202, acquiring all transaction data corresponding to the first batch number according to the batch switching instruction.
Wherein, the first batch number is a previous batch number of the second batch number. The first batch number and the second batch number may be arbitrarily set according to needs, for example, they are marked by numbers, the second batch number is 2, the first batch number is 1, and the like, and this embodiment does not limit this.
During specific implementation, the fund clearing platform can configure the batch numbers for the obtained transaction data, so that when a batch switching instruction is obtained, the transaction data corresponding to the previous batch numbers can be cleared and classified.
Namely, in the embodiment of the present application, the method further includes:
the fund clearing platform acquires transaction data sent by the payment platform, wherein the transaction data comprises second payment platform identification, transaction behaviors such as debit and credit and the like and corresponding numerical values;
and storing the transaction data by taking the batch number corresponding to the current moment as an index.
For example, if the batch number currently recorded by the fund clearing platform is 6, after receiving the transaction data a newly sent by the payment platform, the data a may be stored in the database corresponding to the batch number 6.
As shown in fig. 3, after receiving the batch switching command, the batch is switched from the batch numbered 06 to the batch numbered 07, that is, the batch number corresponding to the current time is 07. After switching to the lot number 07, the transaction data corresponding to the lot number 06 can be acquired.
In order to ensure that the data corresponding to the same batch number can be cleared at the same time, the fund clearing platform can be provided with a plurality of processing centers, and each processing center is responsible for transaction data processing of different areas or different payment platforms. As shown in fig. 3, the fund clearing platform is provided with two processing centers a and B, so when acquiring the transaction data corresponding to the batch number 06, the transaction data corresponding to the same batch number 06 of the processing centers a and B, that is, all the transaction data corresponding to the batch number 06, needs to be acquired.
S203, performing clearing processing on all transaction data corresponding to the first batch number, and determining clearing data corresponding to the first batch number.
And after the transaction data corresponding to the batch number 06 is obtained, the transaction data is subjected to sorting processing. Specifically, as shown in fig. 3, processing center a first tallies the transaction data for each form to generate the debit and credit activity and amount for each bank. After the table is cleared, clearing is carried out by using the database, and then clearing data of the processing center A is summarized. Similarly, the processing center B also performs the same operation. And finally, the processing center A and the processing center B upload the liquidation data to a control center of the fund liquidation platform. After the control center receives the clearing data uploaded by the processing center A and the processing center B, the control center summarizes all clearing data corresponding to the batch number 06 to obtain the clearing data corresponding to the batch number 06.
It should be noted that, in order to satisfy the supervision of each banking system on transaction data, each processing center may send the obtained transaction data to the banking system after performing the clearing processing on the corresponding transaction data each time, thereby reducing the processing burden of the banking system.
In the specific implementation, the transaction data includes the identifier of the payment platform, and the payment platform and the bank system have a certain corresponding relationship. Thus, when the transaction data includes: a second payment platform identification, transaction behavior and value;
step 203 specifically includes:
or determining a corresponding second bank system according to a second payment platform identifier in the transaction data;
and updating clearing data corresponding to the second bank system according to the transaction behavior and the numerical value included in the transaction data.
For example, if the payment platform identifier included in certain transaction data is "XX", the fund clearing system determines that the bank system corresponding to the payment platform is a "tenderer bank" by querying the correspondence table between the payment platform and the bank system, and the transaction data includes the following transaction behaviors: and transferring 1000 yuan to a 'worker bank', after the transaction data is subjected to clearing processing, if the clearing data corresponding to the transaction data of the batch determined by the 'recruiter bank' at the moment is 'debit amount of 100', updating the clearing data of the 'recruiter bank' according to the clearing result, and then changing the clearing data of the 'recruiter bank' into 'credit amount of 900'.
And S204, acquiring a clearing instruction.
The method for generating the clearing instruction is the same as the above embodiment, and is not described herein again.
S205, error transaction data and data to be cleared are obtained.
The erroneous transaction data refers to transaction data generated by the fact that debiting or crediting is not actually successful due to some reason during the transaction. The data may be provided by the payment platform.
After the fund clearing platform obtains the clearing instruction, the error transaction data corresponding to the clearing and the to-be-cleared data corresponding to one or more batch numbers can be obtained, namely the error transaction data obtained by the fund clearing platform after the last clearing and the to-be-cleared data obtained by the clearing and sorting processing in the time period.
As shown in fig. 3, if the non-cleared data includes the clearing data corresponding to the batch numbers 01, 02, 03, 04, 05, and 06 before the clearing instruction, the clearing data corresponding to the batch numbers 01, 02, 03, 04, 05, and 06 and the non-cleared error transaction data can be obtained.
It should be noted that, in order to improve the efficiency of the fund clearance, the number of batches processed each time can be adjusted according to the real-time traffic of the transaction.
S206, processing the error transaction data and the data to be cleared, and determining clearing data corresponding to each bank.
After the error transaction data and the data to be cleared are obtained, the rolling difference is calculated to determine the clearing data corresponding to each bank, such as debit, credit and corresponding amount, and the corresponding data is sent to each bank respectively.
According to the fund clearing method provided by the embodiment, the transaction data is firstly subjected to clearing processing according to different batches, then the clearing processing results of different batches are subjected to clearing processing according to different occasions, and the time division of clearing and clearing can be adjusted in real time according to actual conditions, so that the burden of single data processing of the fund clearing system is reduced, and the risk of the fund clearing system is reduced.
To achieve the above object, the present invention provides a fund clearing device.
Fig. 4 is a schematic structural diagram of a fund clearing device according to an embodiment of the present invention.
As shown in fig. 4, the fund clearing device is applied to a fund clearing platform, wherein the fund clearing platform is respectively connected with each payment platform and each bank system.
The device, comprising:
a first obtaining module 410, configured to obtain a clearing instruction;
a second obtaining module 420, configured to obtain data to be cleared according to the clearing instruction;
a first determining module 430, configured to perform clearing processing on the data to be cleared, and determine clearing data corresponding to each bank;
the sending module 440 is configured to send the clearing data corresponding to each bank system respectively.
Wherein the first obtaining module 410 includes:
the first generation unit is used for triggering and generating a clearing instruction at a preset clearing moment;
alternatively, the first and second electrodes may be,
triggering and generating a clearing instruction according to a received clearing request sent by a bank system;
alternatively, the first and second electrodes may be,
and when the data volume to be cleared in the current fund clearing platform is larger than a first preset value, triggering to generate a clearing instruction.
Specifically, the functions of the modules in the fund clearing device and the fund clearing process may refer to the detailed description of the first embodiment, and are not described herein again.
The capital clearing device of the embodiment of the invention acquires the data to be cleared according to the clearing instruction on the basis that the capital clearing platform is respectively connected with each payment platform and each bank system, performs clearing processing on the acquired data to be cleared so as to determine the clearing data corresponding to each bank, and sends the clearing data corresponding to each bank system. Therefore, through the fund clearing platform connected with each payment platform and the bank system, clearing processing is carried out according to the clearing instruction, processing burden of the payment platform and the bank system is reduced, fund clearing efficiency is improved, and fund settlement turnover rate is improved.
FIG. 5 is a schematic structural view of another money clearing apparatus provided in an embodiment of the present invention,
as shown in fig. 5, on the basis of the embodiment shown in fig. 4, the money clearing apparatus further includes:
a first receiving module 450, configured to receive a batch switching instruction, where the batch switching instruction includes a second batch number;
a third obtaining module 460, configured to obtain all transaction data corresponding to the first batch number according to the batch switching instruction, where the first batch number is a previous batch number of the second batch number;
the second determining module 470 is configured to perform a sorting process on all transaction data corresponding to the first lot number, and determine clearing data corresponding to the first lot number.
Specifically, the first receiving module 450 includes:
the second generation unit is used for triggering and generating a batch switching instruction at a preset moment; alternatively, the first and second electrodes may be,
and triggering and generating a batch switching instruction when the transaction data volume in the current fund clearing platform is larger than a second preset value.
Further, the fund clearing device may further include:
the fourth acquisition module is used for acquiring transaction data sent by the payment platform;
and the storage module is used for storing the transaction data by taking the batch number as an index according to the batch number corresponding to the current moment.
In one possible implementation form of the present application, the fund clearing platform includes a corresponding relationship table between a bank system and a payment platform;
the fund clearing device further comprises:
the second receiving module is used for receiving an access request sent by a first payment platform, wherein the access request comprises attribute information of the first payment platform and a first bank system corresponding to the first payment platform;
the judging module is used for judging whether the first payment platform meets a preset access condition or not according to the attribute information;
and the updating module is used for updating the corresponding relation between the first bank system and the payment platform when the access condition is met.
Further, the transaction data includes: a second payment platform identification, transaction behavior and value; the second determining module includes:
the determining unit is used for determining a corresponding second bank system according to the second payment platform identifier;
and the updating unit is used for updating the clearing data corresponding to the second bank system according to the transaction behaviors and the numerical values included in the transaction data.
In one possible implementation form of the present application, the fund clearing apparatus further includes:
the second acquisition module is also used for acquiring error transaction data to be cleared;
the determining module is further configured to process the data to be cleared and the error transaction data, and determine clearing data corresponding to each bank.
Specifically, the functions of the modules in the fund clearing device and the fund clearing process may refer to the detailed description of the first embodiment, and are not described herein again.
The fund clearing device provided by the embodiment firstly carries out clearing processing on transaction data according to different batches, then carries out clearing processing on clearing processing results of different batches according to different occasions, and the time division of clearing and clearing can be adjusted in real time according to actual conditions, so that the burden of single data processing of the fund clearing system is reduced, and the risk of the fund clearing system is reduced.
Based on the foregoing embodiments, the present application further provides a server, including:
a memory, a processor and a computer program stored on the memory and executable on the processor, when executing the program, implementing the method of funds clearing as described in the embodiments above.
Based on the above embodiments, the present application also provides a computer-readable storage medium, on which a computer program is stored, which when executed by a processor, implements the fund clearing method according to the above embodiments.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), or the like.
In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.
Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present invention, "a plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logic function or process, and alternate implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.
It should be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. If implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present invention may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc. Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made to the above embodiments by those of ordinary skill in the art within the scope of the present invention.
Claims (16)
1. A fund clearing method is applied to a fund clearing platform and is characterized in that the fund clearing platform is respectively connected with each payment platform and each bank system;
the fund clearing method comprises the following steps:
acquiring a clearing instruction;
acquiring data to be cleared according to the clearing instruction;
clearing the data to be cleared, and determining clearing data corresponding to each bank;
sending the clearing data corresponding to each bank system respectively;
before the obtaining of the clearing instruction, the method further comprises:
receiving a batch switching instruction, wherein the batch switching instruction comprises a second batch number; the batch switching instruction is generated by triggering at a batch switching moment, and the batch switching moment is set according to the real-time transaction amount;
acquiring all transaction data corresponding to a first batch number according to the batch switching instruction, wherein the first batch number is a batch number before a second batch number;
and performing clearing processing on all transaction data corresponding to the first batch number, and determining to-be-cleared data corresponding to the first batch number.
2. The method of claim 1, wherein said obtaining clearing instructions comprises:
triggering to generate a clearing instruction at a preset clearing moment;
alternatively, the first and second electrodes may be,
triggering and generating a clearing instruction according to a received clearing request sent by a bank system;
alternatively, the first and second electrodes may be,
and when the data volume to be cleared in the current fund clearing platform is larger than a first preset value, triggering to generate a clearing instruction.
3. The method of claim 1, wherein receiving a batch switch instruction comprises:
triggering and generating a batch switching instruction at a preset moment;
alternatively, the first and second electrodes may be,
and triggering and generating a batch switching instruction when the transaction data volume in the current fund clearing platform is larger than a second preset value.
4.Such asThe method of claim 1 or 3The method is characterized by further comprising the following steps:
acquiring transaction data sent by a payment platform;
and storing the transaction data by taking the batch number as an index according to the batch number corresponding to the current moment.
5. The method according to claim 4, wherein the fund clearing platform comprises a corresponding relation table of a bank system and a payment platform;
the method further comprises the following steps:
receiving an access request sent by a first payment platform, wherein the access request comprises attribute information of the first payment platform and a first bank system corresponding to the first payment platform;
judging whether the first payment platform meets a preset access condition or not according to the attribute information;
and if so, updating the corresponding relation between the first bank system and the payment platform.
6. The method of claim 5, wherein the transaction data comprises: a second payment platform identification, transaction behavior and value;
the sorting processing of all the transaction data corresponding to the first batch number includes:
determining a corresponding second bank system according to the second payment platform identifier;
and updating clearing data corresponding to the second bank system according to the transaction behavior and the numerical value included in the transaction data.
7. A method as recited in any of claims 1-3, wherein said obtaining a clearing instruction is followed by further comprising:
acquiring error transaction data to be cleared;
the determining clearing data corresponding to each bank includes:
and processing the data to be cleared and the error transaction data, and determining clearing data corresponding to each bank.
8. A fund clearing device is applied to a fund clearing platform and is characterized in that the fund clearing platform is respectively connected with each payment platform and each bank system;
the funds clearing apparatus comprising:
the first acquisition module is used for acquiring a clearing instruction;
the second acquisition module is used for acquiring data to be cleared according to the clearing instruction;
the first determining module is used for performing clearing processing on the data to be cleared and determining clearing data corresponding to each bank;
the sending module is used for respectively sending the clearing data corresponding to each bank system;
the first receiving module is used for receiving a batch switching instruction, and the batch switching instruction comprises a second batch number; the batch switching instruction is generated by triggering at a batch switching moment, and the batch switching moment is set according to the real-time transaction amount;
the third obtaining module is used for obtaining all transaction data corresponding to the first batch number according to the batch switching instruction, wherein the first batch number is a previous batch number of the second batch number;
and the second determining module is used for performing clearing processing on all transaction data corresponding to the first batch number and determining to-be-cleared data corresponding to the first batch number.
9. The apparatus of claim 8, wherein the first obtaining module comprises:
the first generation unit is used for triggering and generating a clearing instruction at a preset clearing moment;
alternatively, the first and second electrodes may be,
triggering and generating a clearing instruction according to a received clearing request sent by a bank system;
alternatively, the first and second electrodes may be,
and when the data volume to be cleared in the current fund clearing platform is larger than a first preset value, triggering to generate a clearing instruction.
10. The apparatus of claim 8, wherein the first receiving module comprises:
the second generation unit is used for triggering and generating a batch switching instruction at a preset moment; alternatively, the first and second electrodes may be,
and triggering and generating a batch switching instruction when the transaction data volume in the current fund clearing platform is larger than a second preset value.
11. The apparatus of claim 8 or 10, further comprising:
the fourth acquisition module is used for acquiring transaction data sent by the payment platform;
and the storage module is used for storing the transaction data by taking the batch number as an index according to the batch number corresponding to the current moment.
12. The apparatus of claim 11, wherein the fund clearing platform comprises a corresponding relation table of a bank system and a payment platform;
the fund clearing device further comprises:
the second receiving module is used for receiving an access request sent by a first payment platform, wherein the access request comprises attribute information of the first payment platform and a first bank system corresponding to the first payment platform;
the judging module is used for judging whether the first payment platform meets a preset access condition or not according to the attribute information;
and the updating module is used for updating the corresponding relation between the first bank system and the payment platform when the access condition is met.
13. The apparatus of claim 12, wherein the transaction data comprises: a second payment platform identification, transaction behavior and value; the second determining module includes:
the determining unit is used for determining a corresponding second bank system according to the second payment platform identifier;
and the updating unit is used for updating the clearing data corresponding to the second bank system according to the transaction behaviors and the numerical values included in the transaction data.
14. The apparatus of any of claims 8-10, further comprising:
the second acquisition module is also used for acquiring error transaction data to be cleared;
the determining module is further configured to process the data to be cleared and the error transaction data, and determine clearing data corresponding to each bank.
15. A server, comprising:
memory, processor and computer program stored on the memory and executable on the processor, characterized in that the processor, when executing the program, carries out the method of funds clearing according to any of claims 1-7.
16. A computer-readable storage medium, on which a computer program is stored, which program, when being executed by a processor, carries out the method of fund clearance according to any one of claims 1-7.
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| CN201710214724.XA CN107203875B (en) | 2017-04-01 | 2017-04-01 | Capital clearing method, device and server |
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| CN107977867A (en) * | 2017-12-18 | 2018-05-01 | 深圳市快付通金融网络科技服务有限公司 | Billing model update method, data system for settling account and computer-readable recording medium |
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Effective date of registration: 20180622 Address after: 100032 Room 101, 3 building, 29 hospital, Middle Road, North Third Ring Road, Xicheng District, Beijing. Applicant after: Net liquidation limited company Address before: 100085 Haidian District information Road No. 28 C, Beijing Applicant before: Beijing wonder Technology Co., Ltd. |
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Address after: 100045 21 / F, building 7, yard 1, Yuetan South Street, Xicheng District, Beijing Patentee after: NETSUNION CLEARING Corp. Address before: 100032 Room 101, 3 building, 29 hospital, Middle Road, North Third Ring Road, Xicheng District, Beijing. Patentee before: NETSUNION CLEARING Corp. |